Date Received: 2021-07-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: See attached legal paper. I swear that the following is true. 1. Defendant owes me {$100.00} for the claim in paragraph 2. plus the filing fee of {$60.00} plus OCAP document fee {$20.00} plus an estimated service fee of {$200.00} for a total of : {$380.00} plus prejudgment interest, if qualified for prejudgment interest. 2. The events happened on XX/XX/2021. My claim is based on the following facts. 1. The defendant operates a credit card named Upromise. 2. The plaintiff owns this card probably more than 10 years. 3. In XXXX, the defendant sent the plaintiff a promotion rate convenience check book. 4. The plaintiff wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. 5. Called the defendant on XX/XX/2021, was told the check only can be used to pay other credit card. 6. Checked the checks received, it says " You may also be able to transfer funds from your available credit directly into your checking account. '' XX/XX/2021 Small Claims Affidavit and Summons Page 1 7. Called the defendant several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center the plaintiff was able to leave a note in his account that the plaintiff called that day and seeking a solution. The operator is named XXXX. It was XX/XX/2021. 8. Late on the plaintiff was able to use the same convenience checks to make two balance transfers to the plaintiff 's checking account, indicating the check has no problem to be deposited into a checking account. The two transfers totaled more than {$6500.00}, indicating the plaintiff had enough credit to make the first transfer attempt on XX/XX/2021. It is not true that the defendant claimed that those checks are only good for balance transfer to other credit cards. 9. Then the defendant insisted my mailing address is wrong and changed my mailing address. The plaintiff changed the mailing address back on XX/XX/2021. There is nothing wrong in the mailing address. It is a technique the defendant used to avoid responsibility. 10. The plaintiff will seek a payment to offset a check bouncing fee charged by XXXX bank that is {$12.00} on XX/XX/2021 XXXX. The plaintiff will seek a {$88.00} for my time wasted on this issue. 12. The plaintiff will seek a {$80.00} filing fee for this case. 13. The plaintiff will seek a {$200.00} return of service fee for summon delivery. 14. The plaintiff seek a total damage of {$380.00}. 15. The plaintiff will seek possible more damages that come in the future. 3. The events happened within the jurisdiction of the court. 4. I am not suing a government entity. I am not suing a government employee for the employees on-the-job conduct. 5. I am not suing on a claim that has been assigned to me. I declare under criminal penalty under the law of Utah that everything stated in this document is true. Signed at : XXXX, Utah XX/XX/2021 Signature Date XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/XXXX I ( XXXX XXXX XXXX initially called Barclay to inquire about lowering the interest rate on my credit card ( ending in XXXX ) due to making consistent on-time payments and based on their periodic review of my account standing. Per my inquiry, the customer service representative indicated that they ( Barclay ) does perform periodic reviews of my account which includes a review of my credit score as well as a review of my general account standing over time. Further, I inquired as to the last time they pulled my credit report to ascertain my credit score and they indicated they did so quarterly. In accordance with the Fair Credit Reporting Act, I requested my credit report for the last quarterly review they performed and they declined sending me ( XXXX XXXX ) my report per their review ; after having admitted they pull the credit report in order to ascertain the credit score. After requesting a supervisor and repeating the same issue and inquiry results to them, they confirmed that they do, in fact, retrieve my credit report in order to receive the consumers credit score during their periodic review but I noted that I neither received a notice that my credit report was pulled nor was I contacted via letter with the results of said pull. Finally, I requested the results of their last periodic review with the intent of lowering the interest rate on the aforementioned card ( ending in XXXX ) and they noted that my account did not qualify for the lower interest rate or any promotional rates in accordance with their review parameters. On XX/XX/XXXX I spoke with Barclay again regarding the interest rate and the periodic reviews of the aforementioned card ( ending in XXXX ). Upon reviewing the signed consumer agreement ( which was signed in XXXX upon opening the account ) it noted that any reviews of consumer reports or credit scores associated with rendering services in accordance with the agreement will abide by the FCRA legislation and any and all associated regulations. After speaking with customer services representatives and supervisors regarding the same complaint for the second time, they noted that my account once again ( per their review ) did not meet the requirements to attain a lower interest rate or any promotional rates. I ( XXXX XXXX ) am writing the CFPB in the hopes of shedding light on Barclay 's practice of not sending consumers their credit reports in accordance with FCRA as well as not abiding by their own internal processes and procedures within their consumer lending practices. Additionally, failures in controls and control environments intended to gain assurance over the fact that their current processes and procedures are aligned with federal and local regulations can not be operating effectively. I am requesting intervention in obtaining the reports they pulled. If they can not furnish the reports I am requesting intervention on the basis of fraud, in the sense that they are baiting consumers into signing agreements and promising services they are simply not rendering. I request indemnification in part or in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 10. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I am writing in regard to a recent line of credit I established through the XXXX XXXX credit card offered by Barclays at the beginning of XXXX of this year. I applied for this card while booking a fare on the XXXX website and clicking on a banner in the sidebar of their webpage. This took me to a Barclays site where I was able to apply for, and receive, an approval for the card and an initial line of credit. As part of this offer, XXXX rewards points, and a statement credit of {$250.00} were offered after spending {$1000.00} on purchases and paying the {$99.00} annual fee within the first 90 days of having the card. However, a couple weeks later I was reading online about the same XXXX XXXX card, but this one offered XXXX rewards points instead of XXXX. I followed the link to a different section of XXXX website and found the same card and benefits, just with a higher reward offer. I next reached out to Barclays about the discrepancy and asked them if they could retroactively apply the offer with the higher point return, but the representative said he was unable to do so and that I should reach out to XXXX. Similarly on XXXX end, they seemed to just talk in circles without acknowledging the inconsistency of what they are presenting. What concerns me about this is the lack of responsibility XXXX is taking in maintaining two vastly different reward incentives on their own website for the exact same card. If you happen upon it through this web page, then lucky you, you get the XXXX points. If you only see the banner while booking a flight, then its only XXXX points in your case. I could see if I was on an outside site like XXXX or XXXX, that it might explain the difference in the offers. But to have two different offers on the same site, for the same card, feels like being in a store with the same merchandise and pricing it differently based on the way customers enter the business. After navigating to the XXXX website today, these two offers are still being presented in two different locations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hi There, I did an XXXX XXXX flight on XX/XX/XXXX and received a flyer with an offer to apply for a XXXX XXXX XXXX managed by Barclays offering {$0.00} annual fee for the first year plus XXXX miles. I did the application online on XX/XX/XXXX and used the code stated in the flyer ( XXXX ). They approved me but I noted few days later that I was charged an annual fee of {$99.00}. I called their customer service many times asking why did they make that. They said that the promo was valid only if I had done the application in flight and that as I have done it online, the code was not applied. I reinforced that the flyer does say on the back cover that I could be doing the application online ( Apply in flight today or visit XXXX ) and sent it by email ( XX/XX/XXXX ) so they could see and validate it. Over a month later they said that they would not revise it, that the promo was not valid online. I'm sad to learn that Barclay 's does not honor their advertisement and wish you could make them honor it. Tks in advance, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I've had a XXXX XXXX Mastercard from XXXX XXXX for many years. I have not taken money from the rewards program for over 5 years when I took out {$990.00} dollars and had over a thousand dollars left in the account. I've been trying for over a year to redeem the accumulated money, but have been unable to access even the amount. We see on the website that we have about {$8.00} but every credit card says that we are credited between {$40.00} and {$90.00} dollars, as I pay almost everything I can in order to accumulate rewards. One issue is that there's been lost cards, and fraudulent charges on our cards, and we've had new numbers issued to us. The method that I used to withdraw money in XXXX was all done on the phone. Recently, I have opened a formal complaint with XXXX XXXX XXXX XXXX because for the last year the calls were directed to an offshore call center, people barely spoke English and never actually helped me. My husband recently spoke to customer service in the US but although they promised to help us, and seemed for the first time to know how to do so, they have not. After more promises, and nothing done, not even noting previous conversations, finally I am contacting you in an attempt end the run around. My husband was promised resolution in first a week, then 24 hours and after no information today, the woman on the phone said 30 days, then changing it to 30 business days and everyone uses the pandemic as an excuse. The most recent reason this can not be resolved is that XXXX XXXX has been closed and hasn't reopened. The number we have been calling is XXXX XXXX XXXX XXXX for the US representatives, that are fluent in English. We've spoken to XXXX on XX/XX/XXXX. She said that resolution would take a week. The next person we spoke to after a week was XXXX, who said that it would be fixed in 24 hours. That was Monday XX/XX/XXXX. Yesterday we spoke to XXXX, who said that there was no information about the conversation with XXXX, other than she spoke with us. We were promised a return call today that never came, so we called again. Today we spoke to XXXX, she was unable to find any case number, from the case supposedly opened by XXXX. She said XXXX XXXX was called yesterday but there's no information, because XXXX XXXX hasn't responded to them, and to wait another XXXX business days. So apparently XXXX XXXX really isn't closed, it's that either people at the customer service department were not telling the truth, too unhelpful or lazy, or possibly not proficient with English to actually help. But my oldest son has gone to grad school, my youngest has gotten an XXXX XXXX and taken classes towards a BA and we're not able to get reimbursed, or access the accumulated rewards that should be well over {$5000.00}. I'm going to put my name and phone number in the text here so that I can be contacted, even though it might be in other places. I am not sure if I should put my credit card number in this account, ( and in the interest of caution, I won't ) because I have had past problems both with this credit card and our savings account ( which was annoying but resolution took only a few weeks to resolve. ) We have an excellent credit score, so that can not be the issue. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX ( XXXX ) XXXX landline ( XXXX ) XXXX my husband 's cell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts BRCLYSBANKDE XXXX {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: In XX/XX/XXXX, I accepted a transfer offer from Juniper ( Barclays ) to pay off my XXXX XXXX card and asked for {$1200.00} to be sent to XXXX / XXXX to pay against my balance. On XX/XX/XXXX I contacted Juniper as the transfer to XXXX had not been made. A web response from Juniper claimed the transfer of {$1200.00} was " completed. '' and that it could take 7-10 days to show up. I called Juniper numerous times, only to be put on hold for 20-30 minutes, and the phone cut off. In XX/XX/XXXX, the transfer still not made, I spoke to a representative who said the account number for the XXXX card was incorrect, so payment could not be made! Why did no one notify me? If the money was sent back due to a wrong account, why didn't Barclays correct this. They did NOTHING. I was told a " special team '' would investigate and get back with me, and Case ID XXXX was assigned. When no response was received, I called on XX/XX/XXXX, and with insistence, I was finally put through to a " specialist '' who then put me on hold for over 20 minutes, and the phone cut off. Note - each time I called, and was hung up on, no one ever called me back. I web messaged Juniper on XX/XX/XXXX, gave the above facts, and received a web reply saying the investigation could take up to 25 days. In a letter dated XX/XX/XXXX ( over one month since the transfer had be completed as Barclays told me ), Barclays now tells me the investigation can be up to 60 days, and maybe resolved in my " favor '' or not in my " favor. '' What does this mean? Where did the money go? I implored Juniper to pay off XXXX while they were investigating, but that request was ignored. So, as I explained to each representative I spoke with, I am paying now for TWO credit cards, incurring a fee from Barclay 's that never occurred, and paying interest on the XXXX card that should have been paid off by Barclays. I deserve to know why, when the transfer did not go through, did Juniper not take action to correct that and pay off XXXX? Where did the money go, and why wouldn't Juniper account for that. I want Juniper to refund my transfer fee and the interest I have incurred from paying XXXX balance fees during this time, and mainly I want them to immediately transfer the money to XXXX to have it paid off. I am a lawyer, and I want answers, something is wrong at Juniper, and I am entitled to know what they know. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29341
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent XXXX charges from XX/XX/XXXX, XX/XX/XXXXay 1 and May 2, 2021 appeared on my Jet Blue Mastercard. On XX/XX/XXXX when I first saw the pending charges from XX/XX/XXXX and XX/XX/XXXX, I called Mastercard and advised them not to authorize the payments. While the XX/XX/XXXX charges were not authorized, the XX/XX/XXXX ones were approved. On my XX/XX/XXXX statement there were other fraudulent Uber charges. In all, they amounted to over {$130.00}. I have called Mastercard several times. They have twice removed the charges and then placed them back on my account. When I received my most recent bill,, there were still {$120.00} in unauthorized, fraudulent Uber charges that were never made by me or my son who is an authorized user. What is most disturbing is that the Fraud Investigations agent who I contacted by phone on XX/XX/XXXX, by the name of XXXX, told me that her notes indicate that all Uber charges on my account, totaling over {$130.00} were not valid according to the notes from my previous 5 calls, and she couldn't explain why they were first taken off and then put back on my most recent statement. When I asked for a supervisor, she said none was available and it would take several days to contact one to reach out to me. I told Mastercard on several occasions the source of the fraudulent Uber charges. My son made a purchase from XXXX XXXX on XX/XX/XXXX for his XXXX XXXX XXXX graduation. He received a letter dated XX/XX/XXXX from XXXX stating that many students who purchased from XXXX XXXX had fraudulent charges on their credit cards. XXXX XXXX was hacked and also contacted my son to acknowledge this. Despite having this information that I provided both verbally and in writing to Jet Blue Mastercard, {$120.00} of fraudulent charges appear on my latest statement dated XX/XX/XXXX. I have no confidence in Mastercard 's ability to resolve this matter. I also mailed to Mastercard a copy of XXXX 's letter proving the fraud. Neither I nor my son made any Uber charges ever on my Jet Blue Mastercard. All should be permanently removed from my account and I should be reimbursed for at least one that I mistakenly paid with my XX/XX/XXXX statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10708
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47240
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A