Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10461
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is an issue with Barclays Credit Card and XXXX XXXX XXXX. My spouse opened a credit card in XXXX. He added myself as an authorized user. Later, he closed the account and settled the debt directly with Barclays. A few months later, this delinquency showed up on my credit report. Shortly after, he called Barclays to find out why it was on my card and they said the account was resolved and closed. A couple years later, XXXX XXXX XXXX started contacting me that they purchased my debt. I have tried multiple times with them as well as Barclays to find out why it continues to show up as a delinquency on my credit report. Through every dispute that I have made and every contact, they all say that it is my debt and I need to pay it. The bad part here is that : 1. It was my husband 's credit card, not miner. 2. He closed the account. 3. He resolved the debt. 4. After all this, it is still showing as a debt collection on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Signed up for Frontier Airlines credit card. Missed a payment due to lack of receiving a monthly statement or even notification that a payment was due until the day it was due. Received notice that account was past due the day the payment was due. Paid total balance on that day. Barclays erased all my points because of a {$29.00} past due which they did not notify me about until it was too late. The card offered XXXX points after 90 days and {$500.00} in spending. I met both of those requirements and received the XXXX points plus all the other points I accumulated. When the payment was due but not received they wiped out all my points. They never sent me a statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2020 I received an email for a Barclay - jetblue Plus credit card with an offer for XXXX bonus points by spending {$1000.00} and paying the annual fee both within ninety days. The offer was enticing and I immediately applied online. On XX/XX/XXXX I received a congratulations email welcoming my account. On XX/XX/XXXX the card was activated. I met their financial requirements and but did not receive the bonus points they offered despite more than meeting their requirements. I called Barclay in XXXX inquiring why the points were not applied. I was told they will look into it and on XX/XX/XXXX I received a letter from them stating only : " We're currently unable to assist you with your Rewards issue ''. No other reasons were included. The card is JetBlue Plus by Barclays last four digits XXXX telephone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX CC Doc 1 Email offering Doc 2 Congratulation welcoming Doc 3 Card is active Doc 4 letter from Barclay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11731
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
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: In XX/XX/2021, I opened a dispute with my credit card for a charge. In XXXX, I called back to check the status. They told me they needed more information. On XX/XX/XXXX, I faxed them all the information about the claim, including the Merchant policy that was not honored and evidence backing up the claim. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check the status of my dispute. Each time they told me that either I hadn't faxed them information yet XXXX which if false ), or that the claim was still being processed and I would receive an update within the next few weeks. It has now been almost 180 days since I opened the dispute, and 120 days since I called back to check on the status. Consumer protection law says that the credit card company must acknowledge the dispute within 30 days, and respond within 2 billing cycles ( ~60 days ). No matter how you write it, it is well past the allotted 90 day period and I have not received a single response or update. Additionally, my friends made the exact same purchase with the exact same merchant with different credit card companies, and they initiated disputes in XXXX and their disputes were solved XXXX in their favor ) in XXXX. So other credit card companies recognized this merchant as faulty back in XXXX, yet my credit card company has not even sent me a response and it is XXXX already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a credit card from Barclays on a Frontier Airline flight in XX/XX/XXXX. The card was approved and when I received the card in the mail, I noticed that my name was incorrect. When I contacted Frontier to inform them, they could not verify my information in the system. They stated that I needed to send in a number of documents to rectify the discrepancy. I immediately mailed in the required documents. In XX/XX/XXXX, I recieved the bill for the annual fee of {$79.00}. To my surprise, when I called to make the payment, I was informed that the account was locked and that I would need to submit the same documents that I submitted the prior year. I was frustrated, however I mailed the documents again. I was unable to make the payment because of the lock on the account. I wanted to use the card to purchase Frontier airline tickets, so I called just to make sure that the card was activated and was then informed that my card was closed and there were still discrepancies on my file. I submitted the documents every time Barclay 's requested for me to do so. What happened to them? There were very sensitive documents with my personal information on it. How come these discrepancies were never fixed? I provided them with everything they required. This will now affect my credit reputation, which I try very hard to maintain. Barclays is negligent. Had Barclays processed the documents when they were sent in XXXX, my account would still be opened. I would like this matter investigated ; I want to know what happened to my documents, why they never followed up, and I want my credit card reopened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11727
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/21 I was contacted through automated processes by Barclays XXXX Mastercard regarding potential fraud activity on my account. On XX/XX/21 at XXXX, I attempted to contact Barclays to resolve the fraud concern. After 5 minutes on hold the line went dead. On XX/XX/21 at XXXX, I again attempted to contact Barclays. This time I was connected to a customer service representative. During the discussion the customer service representative was unwilling to provide to me the actual card the fraud related to. I continued to ask if it was the primary or secondary accounts ( two cards are open under the account ). The representative refused to provide this information as well. I then asked to speak with a supervisor but was rebuffed. I continued to ask for a supervisor and after my fifth request I was placed on hold. The representative then returned after several minutes to tell me that no supervisor will speak with me. But that a supervisor will call me back in 24 to 48 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i called an closed the account they never did and charge monthly {$40.00} i didn't new account was open i called they told me my new amount is {$80.00} ( past due ) they said it was their mistake and credit that amount and close the account then my credit report told me i had 52 points less due to past due account / deliquent i called them, they send me to send a letter to their credit repair still the same
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Barclays Delaware account number XXXX is mine. " I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in face therefore exists. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Since XXXX I have been disputing the alleged account with Barclay Bank of Delaware, I have made several attempts for the furnisher to provide me with evidence of which I owe this alleged debt, the method of verification providing the name, address, and telephone number of the persons that verified this debt, the original signed contract bearing my signature, I even showed evidence via my credit reports that the furnisher was reporting inaccurately to XXXX, XXXX, XXXX, with inaccurate, incomplete, blank or missing information such as account numbers, high balance, credit balance, dates open, reported, last reported, account type. And the furnish still reported to the consumer reporting agencies as verified and accurate. It has been more than 5 years of inaccurate reporting, which is past the statute of limitations in CA, I have also asked if they are licensed to report and collect in my state and provide me with this evidence and have still failed to do so. On XX/XX/XXXX I was served a lawsuit by XXXX XXXX XXXX, that were unable to provide me with viable evidence of the original contract bearing my wet ink signature, who simultaneously was attempting to collect the same debt as Barclays Bank of Delaware. I contact both XXXX XXXX XXXX and Barclays requesting evidence, and neither XXXX XXXX XXXX and Barclays failed to provide evidence. Barclay continued to report inaccurately without providing evidence even after XXXX XXXX XXXX stopped reporting. As of XX/XX/XXXX XXXX and XXXX have stopped reporting as there were unable to provide evidence from this alleged account that beared my wet ink signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A