Date Received: 2021-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have sent a certified letter to Barclay Bank Delaware asking them to provide my documents bearing my signature of opening an account with them which they have not provided or responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: The Credit Card Statement ending on XXXX XX/XX/2021 is not totally correct. I sent 2 e-mails to the credit card company on or about XXXX XX/XX/2021. I received a generic response back for both e-mails. I then called the Office of the President of the company and waited 24 hours without a response before I filed this complaint. I also attempted to discuss this issue with the phone Customer Service Representatives on XXXX XX/XX/2021. One was no help and the second, who I think was from a call center in XXXX was attempting to help, but we were disconnected and I didnt receive a call back. A person cant pay off an Easy Pay Transaction early without undertaking draconian measures. Please answer these 3 questions separately. All are from the XXXX XX/XX/2021 statement. I paid the XXXX XX/XX/2021 statement balance in full on XXXX XX/XX/2021 which was the due date. 1. There is a Interest Charge of {$42.00}. This is located on pages 1, 3 and 5. Since the previous statement was paid in full, there should not be any interest charges. Please explain this charge. 2. The minimum payment due is incorrect. It should be between {$29.00} and {$39.00}, not {$450.00}. Which invalidates the complete Payment Information Block to include how long it will take to pay off the statement balance. The minimum payment due is between 11 and 12 % of the Statement Balance. Is it this high as retaliation for a previous CFPB complaint? 3. The statement balance on page 1 of {$3900.00} are the new charges since the previous statement. On page 5, Easy Pay Summary, the summary still identifies 3 transactions as having a remaining balance. Those balances should be XXXX. Instead the statement identifies a balance of {$2400.00}, which is not reflected in the XXXX XX/XX/2021 Statement Balance. Please explain why there is an outstanding balance since I paid the XX/XX/2021 statement in full. My last charge for this credit card is XXXX XX/XX/2021. The only two options I have determined for this credit card to get out from under Easy Pay is to either not use ( new charges which Im selecting now ) or cancel the card. There is no way to pay off the Easy Pay charges early. Barclay Card is right up there with pay day loan companies. I am also going to file a complaint with my Federal Senator to have the CFPB look into the procedures of this company. Included to XXXX XXXX will be a complaint concerning this issue to make them aware of their advertising choices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX - I went to a presentation for their timeshare program and declined to purchase. I did not sign up or purchase a membership ; however the company used my information and opened a Wyndham Rewards Earner Credit Card in my name. I asked them multiple times what they were doing with my information and was told they would only do an XXXX credit check. Instead they filled out a credit card application in my name without my consent, knowledge, or permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have previously reach out to Barclays Bank of Delaware on XX/XX/2021 and XX/XX/2021 regarding a fraudulently opened credit card account ending in XXXX. Recently, see letter dated XX/XX/2021, I had requested all records in their control pursuant to section 609 ( e ) of the Fair Credit Reporting Act. ( 15 U.S.C. 1681g ), California Financial Code sections 4002 and 22470, Civil Code section 1748.95 and Penal Code 530.8. Barclays Bank has not responded to any requests within reasonable and legal time limits. As a victim of Identity Theft and Fraud when reporting my victimization, I had repeatedly complied with the procedures as outlined by the Federal Trade Commission, the California Attorney General and the XXXX XXXX XXXX XXXX when requesting records. Barclays Bank needs to provide legal justification for their non-compliance with the aforementioned statutes. I have been notified that Barclays Bank has even refused to provide banking records regarding the account ending in XXXX to the XXXX XXXX XXXX XXXX ( XXXX ) assigned investigator. Therefore, Barclays Bank is accused of actively withholding records of interest in an active criminal investigation and thereby hampering criminal arrest, aiding and abetting the perpetrator and delaying prosecution. Barclays Bank will need to provide legal justification for continuing to withhold information from myself and law enforcement. In addition, the XXXX XXXX XXXX Attorney, XXXX XXXX criminal investigation unit is currently reviewing two forged credit card applications containing my name and private information. The credit card applications were provided by other more cooperative lenders. Please understand the seriousness of the situation as another complaint has been filed with the United States Federal Treasury, Department of Internal Revenue Service requesting a separate investigation into the suspected money laundering by the alleged perpetrator. Since Barclays Bank is unwilling to provide records to me or even to local law enforcement it is reasonable to assume they are not willing to provide banking records to Federal, State and County law enforcement agencies. Barclays Bank is alleged to have violated several federal and state laws by actively withholding records from the victim of the reported Identity Theft. Barclays Bank needs to explain what legal justification gives them the authority to ignore my and law enforcement requests for records. In addition, Barclays Bank needs to inform me of what is legally needed, other than a subpoena, for them to release the banking records to me for the account ending in XXXX. Pursuant to the aforementioned Federal and State laws no subpoena is required from me for such requests unless the laws have been changed. Therefore, pursuant to California Law, Penal Code 530.8 ( a ) ( 2 ) Barclays Bank of Delaware was to have provided me within ten ( 10 ) business days of receipt all records pertaining the alleged fraudulently open credit card account ending in XXXX including a copy of the credit card application and a copy of the government issued picture identity used when the fraudulent account was opened. In addition, Barclays Bank XXXX Delaware should have provided any application using my name or its likeness for subsequent cash advances or loans. The XXXX Case Report NumbeXXXX XXXX shall be referenced when releasing all records and Barclays Bank has not done so. Barclays Bank of Delaware is hereby given proper legal notice as for withholding records I will have no other recourse but to file legal action against you for non-compliance of the Fair Credit Reporting Act and California Penal Codes XXXX as I such time of filing legal action I will be seeking punitive damages and reasonable attorneys fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Barclay 's credit card ( XXXX XXXX ). My account is set up for auto payment. ON two occasions, the auto pay has taken out more than the balance due. This happens when a credit ( like a return ) is refunded to my account which thus lowers the balance on the account. Barclays still pulls the amount on my statement rather than the actual balance. In this case here, the statement balance was {$9600.00}. The actual balance was {$8400.00}. So instead of just withdrawing that amount, they withdrew {$9600.00} leaving me with a credit balance of - {$1200.00}. To resolve this problem, I have to call the company. They have to wait five days to make sure the payment clears. Then they are going to send me a physical check which I have to deposit. Essentially, this means they scam me out of my money for 20 + days ... ..of course they can make money on my money for free. As I said, this has happened once before. How many other people are they also doing this to? I have included the statement which shows all of this in detail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Some of these dates may be off by a few days because I didn't keep exact records. I've never had a credit card company not resolve a clear fraud charge. Around XX/XX/2021, I was alerted about a potential fraudulent charge on my card. I checked my account and saw that unknown charge, as well as a few others. I called Barclays to report the fraud. These were unknown charges to unknown merchants. I had not made them. I had no knowledge of them. Within these charges, there was one for {$920.00} made on XX/XX/2021 to XXXX XXXX. I reported all of the charges as fraudulent. Barclays issued me a new card and said they would investigate. Within a week or two, I received a letter saying the investigation was complete and all the charges had been removed. When I checked my account, all the charges except the one for {$920.00} were removed. I called Barclays to inquire and they stated the charge for {$920.00} was never flagged as fraudulent. I asked them to flag it again. A week or two after that, I checked my account and the charge was still not removed. I called Barclays again and the representative told me the charge for {$920.00} was not flagged as fraudulent. She directed me to the investigations team. I called the investigations team which said they would flag the charge as fraudulent and investigate it. Within a couple days, the charge was removed. On XX/XX/2021, I received a letter stating that the charge for {$920.00} was valid. The charge was added back to my account. It did not give any reasoning or evidence. I have currently been on hold for over an hour trying to talk to someone. In addition to this complaint, I am sending a certified letter to ask for investigation results and reporting Barclays to the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53202
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX I submitted a CFPB complaint against Barclay Bank. Barclay 's promised to refund/waive the {$29.00} fee. This fee incurred due to one of my monthly auto-payment being deleted without my knowledge. The bank credited my card however to date has failed to refund the {$29.00} back to the same bank account where the funds originally came from. I provided feedback back to the bank that the funds needed to go back to the bank. They were unresponsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44133
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hi. Good MORNING, sir! my name is XXXX XXXX. My social security last 4 digits XXXX and My card number is XXXX .my address is XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX. I am one of Barclay 's credit card customers. it's really very shameful that I am complaining but I don't have any other choice. first of all, every credit card company has a protection policy for their clients. if you don't receive an item or some fraudulent transaction happened the company will protect their clients. anyway, long story short. a few months ago I bought a watch from XXXX and I strongly requested them during package delivery, the sign is mandatory, and also the seller agreed with my request but a problem arises when XXXX without delivering the item they said they delivered and signed by XXXX. which completely false so I called XXXX and ask them to provide me a digital copy of my signature. the XXXX representative was saying that sorry, there is no significant image because the driver released the item by himself then I asked him why the driver lied on the proof of delivery paper that signed by XXXX ( me ). he has no right to leave my packets without signature where it was mandated. he said you can ask for a refund of your money from the seller and the seller should contact us for reimbursement also we will contact you later. ok. right away I sent an email to the seller that why didn't send my watch with a signature upon delivery but the seller responded that they didn't send the item without a signature. I was so upset. later I informed my credit card company that my item didn't deliver so hold this transaction. in the meantime, I informed the seller that XXXX told me to call them for reimbursement because without delivery of the item they said they did also falsely calm signed by me. I also said I already let them know ( credit card company ). after that, I uploaded proof of all documents for dispute transactions. everything was normal. the seller said they contacted XXXX and also wanted to know if I have any updates. I said no, and I said to them please don't waste your time apply for compensation. on XX/XX/2021 I have learned that Barclays card charged me XXXX dollars which were under investigation. I couldn't believe it so I called the service center at XXXX XXXX at XXXX and he said to me to dispute through the online. I did. I have attached every single correspondence here. a few days later I got a mail from my previous landlord, which was from Barclays. where it was mentioned that if you want to dispute this transaction, please respond within 10 days by fax or mail. I faxed before when I first contact customer service at midnight but I faxed again. after that I called to make sure that they got my fax but the representative said they didn't get it so I asked how it's possible I sent it on last night. she said no problem please check on Monday then I said the letter mentioned within 10 days and 8 days already passed. she said no problem. ok. I called them on Tuesday XX/XX/2021, the first one said one statement, and another one said another statement. if listen to 50 minutes recorded conversation then you would know what she said. I contact them again on XX/XX/2021, now she was saying a decision has been made on XXXX then I asked her, what? I didn't get any email or mail or secure message, she said no problem, I going to reopen this dispute again, and you will get a mail within 7 to 10 days also I asked if this happens like before again then what should I do. she said it won't be repeated. ok. again I called them yesterday ( XX/XX/2021 ) this time my case has been turned completely 180 degrees. she was saying the case is closed, I REPLIED wait a minute. I just spoke 2 days ago she opened the case and gave me the case number. cis XXXX now, what are you talking about? She said the case is closed and it can't be reopened again. I was thinking that perhaps this was my big mistake to be a Barclays cred card customer. why they are so much unorganized and unprofessional. no one knows what going on. this is really unbelievable that this sort of service is from a well-known company. My humble request to you please check my all documents. I hope this is enough evidence to prove that they never delivered my item and Barclays credit card company cant approve it. This is completely against the consumer rights policy. I would be most grateful if you would look into this matter as soon as possible. Thank you so much for your time. Have a wonderful day and weekend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I found a charge on my XX/XX/2020 statement for an unauthorized charge of {$270.00} posted XX/XX/2020 from XXXX. I did not make this purchase and promptly reported it to Barclays for my Carnival Master Card. I had them issue a new credit card. In mid XXXX they sent me a letter stating it was valid charge. I called to find out how they came to this determination. I was informed that XXXX said it was valid. I then called XXXX about the charge. They could not find any purchase on my account for that amount. I was then asked to link the Carnival Mastercard to my account in order to open a case with their fraud department. Several days later I received an email from XXXX indicating fraud and to report it the card issuer. I sent a written letter to Barclays asking to reopen the case and look into my findings. They received this letter on XX/XX/2020. I have never received any communication back from my letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A