Date Received: 2021-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2021 i had a Hard inquiry on my credit report from Barclays Delaware i would like to have it removed an have the address of where the application was made or where the card was being mailed to so i can have a clue of who has my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
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 been trying to correct this problem since last year. They reported my credit report as being late two months in roll even after they called me and offered me an extension due to COVID-19 global pandemic that we were going through in 2020. I have advised them that I was covered by the Cares Act Section 4021 and no matter what I say they are still saying that they reported the account accurately. I asked them if anyone there knows that it was an executive order signed by the president that protected everyone if the accounts was up to date and if you look at my credit card account I was doing just fine. I have tried numerous to rectify this problem but to no avail they still wan to do what they want to do. They told me to write a dispute to FCRA - Credit Bureau XXXX XXXX. XXXX XXXX XXXX, DE ... this is a company inside of Barclay so they are not doing anything and trying to ruin not only my credit but so many others. This is a waste of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My Credit was ran with this company without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent XXXX certified validation letters to Barclays, XXXX XXXXXXXX XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. The following account numbers are what have been disputed with no response. Account # XXXX {$4500.00} Barclays XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account # XXXX {$4800.00} BarclaysXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX or # XXXX {$5300.00} XXXX/Barclays- XXXX XXXX XXXX Account XXXX XXXX {$5800.00} XXXX/Barclays- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My credit card account was closed several years ago and still has an outstanding balance. I've contacted the credit card company multiple times over the past few years in an attempt to pay the balance in full. The last time I called them, I was transferred more than 10 times and was on hold for a total of about 4 hours. Every time I've called I have been advised that they can not take my payment because the account has been charged off/sent to collections but they aren't sure if it has been sent to an outside collection agency and, if it has, they don't know who it was sent to. I am not disputing the amount that they are reporting on my credit report that I owe and I've been trying to pay this bill in full for several years but they continue to tell me that they can not process my payment. In the meantime, the account continues to report negatively on my credit report. I am willing to pay the balance in full but I believe the negative reporting to the credit bureaus should be removed since I have tried so many times to pay them and they will not/can not accept my payment. I am unable to provide an account number because there isn't an account number listed on my credit report. I have requested that they provide me with my account number every time I have contacted them and they say they can't give that information out over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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: REFERENCE : Barclays Credit Card Case ID : XXXX In XXXX XXXX, I was sent a replacement blouse after contacting the merchant XXXX XXXX XXXX ) and returning the first blouse due to an incorrect size being sent to me. The second blouse was sent to me DEFECTIVE. The package was ripped open and the blouse was badly damaged inside the package. I again reached out to XXXX XXXX Customer Service on XX/XX/2021 and they supplied a return label and told me return the item for a full refund as the item was now sold out. I did this. I used their provided label and returned it via XXXX, tracking number XXXXXXXXXXX This information will all be shown on the screenshot from their website, which is attached. The package was RECEIVED by the merchant on XX/XX/2021. I have been waiting for a credit ever since. I made several calls to the merchant looking for my credit. What I was told every time was that they could not find the package to process the refund, so that was why it was pending. They would also tell me they were backed up processing returns. I filed a dispute with Barclays. The merchant then claimed to Barclays that this item was a final sale -- which is a bogus argument. First and foremost, they took the first blouse back as they had made an error and that is noted on the order page they sent to Barclays which I can also provide. Secondly, the replacement blouse does NOT say final sale, and the merchant provided the return label for me to return it. Lastly the blouse was DEFECTIVE. By sending me a DEFECTIVE blouse, they violated an implied warranty. Specifically, the implied warranty of merchantability and the implied warranty of fitness. Lastly, the merchant still has this blouse. They have never returned it to me. Barclays denied my case. I appealed it. I received a letter today stating that my appeal was denied because " Insufficient proof that the merchant has violated the invoice/contract terms and conditions ''. I have NO ITEM! Prior to returning with MERCHANTS PERMISSION AND LABEL AND PROMISE OF A REFUND I had been sent a badly damaged item which is NOT what I ordered. How is this not a violation of all Invoice contract terms and conditions? Please help me with this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2021 a {$45.00} payment was to be taken out from the checking account associated with the the Barclays credit card. However, at this time Barclays did not withdraw the {$45.00}. Attached is an email confirmation from Barclays confirming that Barclay 's received payment. On XX/XX/2021 I was required to restrict the initial associated checking account due to fraudulent activity. On XX/XX/2021 I was charged a {$29.00} fee by Barclays for a returned payment. However, when I made the payment on XX/XX/2021 the account was open and the funds available, Barclays charged me the {$29.00} fee because Barclays did not withrdraw the funds on the day specified. I should not be charged for Barclays laziness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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 Company, Barclays XXXX XXXX Mastercard ( XXXX XXXX ) regarding an Item I had purchased from XXXX XXXX on XX/XX/2021 that had been sent to me in the wrong size and was returned to XXXXXXXX XXXX using the label they provided for this mistake on the same day of receipt ( XX/XX/XXXX ). XXXXXXXX XXXXXXXX did not have any of the item left and told me they would issue me a credit once item was received back. XXXXXXXX XXXX did not issue a credit and upon calling them several times, I was told they could not find the return package even though tracking clearly showed it was received at their dock many weeks before. Barclays took my dispute but NEVER issued me a provisional credit. By mid XXXX, the Merchant did issue me a credit for the item. On XX/XX/2021 I received a letter from Barclays ( dated XX/XX/XXXX ) stating that because the Merchant had credited me and that they HAD ALSO ISSUED ME A PROVISIONAL CREDIT, that they were going to reverse their provisional credit and recharge me {$55.00} for the item. The problem was Barclays NEVER issued me a provisional credit. I called upon receipt of this letter and spoke with XXXX in a NON US location. I asked for a US based supervisor and was told NO ONE was US based. There were roosters going off in the background and her English skills were quite poor. However, she confirmed that I was NEVER issued a Provisional Credit and she told me she would put in a " form '' to escalate the reversal of this bogus charge made by Barclays for {$55.00}. It is now 10 days later and no reversal has been made. I called again today, got someone named XXXX with even worse XXXX also Non US based, was told again NO ONE is in the US. I demanded a supervisor and was told that in 5 business days I MAY get a call. This is unacceptable! Barclays made an unauthorized charge to my card and will not correct it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A