Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to file a complaint against Barclays for providing misleading information and failing to take timely corrective action on errors in my credit reports associated with XXXX of my accounts, ending in XXXX and XXXX. These errors were not due to any fault of mine, but rather their autopayment system issue and incorrect information provided by their customer support. In XXXX, I was alerted to the issue when I received an email notifying me of a late payment on my accounts. After checking, I could not find any late payment information in their web XXXX, so, I immediately contacted Barclays ' customer service using their secure messaging system to confirm the details and source of this notice. During two interactions, I was assured that the late payment notifications were the result of their system errors and that my accounts were in good standing. However, despite these assurances, the delinquent marks still appear on my credit reports. Further attempts to engage with Barclay 's customer service have resulted in misleading information, leaving me without a clear resolution and causing significant distress due to the impact on my creditworthiness. The inaction and misguidance from Barclay Card Services have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own, but as a result of errors and poor customer service from the financial institution. Furthermore, their customer support does not take proactive actions to correct this issue from their end. I am contacting the CFPB for assistance in having the incorrect delinquent marks removed from my credit reports. In addition, I would like to address the issue of misleading customer service and the failure by Barclay Card Services to rectify these errors. It is their responsibility to acknowledge these concerns arising from their incorrect information provided in their written response and to actively take steps to resolve issues that originate from their end. They should not burden the customer with time-consuming actions This issue have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own but as a result of errors and poor customer service from the financial institution. Enclosed, please find the printed XXXX communications records with Barclay Card Services via Barclays 's Secure Messaging system. Both are their responded information were incorrect. I am prepared to provide additional documentation as necessary. I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have over $ XXXX in credit and agreed to take some of that credit to use for the new credit card and the application was denied because they are unfair to XXXX Americans.
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: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX and on XX/XX/XXXX, XXXX credit cards were opened under my name. I suspect my information was stolen at the dealership. I received the credit cards to my home on XX/XX/XXXX. I immediately reported these XXXX cards as fraudulent and reported it to the XXXX credit bureaus as well. XXXX acknowledged the credit card as fraudulent and closed the account. Barclays bank has insisted that the card was not opened fraudulently and has reopened the account 3 times since I have called to report as fraud and close the account. They increased the credit limit on that card from {$5000.00} to {$20000.00} after I had called them to close the account. Barclays asked me to submit a police report on the XXXX attempt to close the account so that it can be considered when they perform their investigation. On XX/XX/XXXX, shortly after I submitted all the paperwork they requested which was on XX/XX/XXXX, I received letters attached stating they were reviewing the case and the following day another letter was addressed that they again did not believe the account is opened fraudulently. I called again on XX/XX/XXXX to request the account be closed. I have called Barclays bank 3 times to request this fraudulent account be closed. They have continued to reopen the account and increase the spending limit a whopping 400 % at XXXX instant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize Barclays Bank Delaware ( BRCLYSBANKDE ) to run my credit
Company Response:
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am extremely upset and disheartened with the blatant mistake from your company. This all started when one of your representatives accidentally charged me for double my minimum payment. I immediately caught the mistake and I called in. The Barclays representative told me that I have to wait until it posts and then I have to ask my bank to return payment. She assured me many times that this is normal procedure and the only way to correct her mistake. I then did what she said and I had my bank return the payment. I then paid the minimum payment. This incident snowballed, and resulted in a chain of mishaps from Barclays representatives from there. Every time I would call them to fix it I would get a different answer. Every time I spoke with someone they said they were sorry and they would fix the problem and then didnt. The next thing I know I had a missed payment reported to the credit bureau. I have worked so hard in the last 15 years to keep my credit score up and to not miss a single payment. I have had a 100 % payment history for the last decade and now I have a missed payment and 99 % payment history. This is devastating to me and this is not something I deserve especially as a long-term client who has always made my payments on time. Since this incident, I have put my card back on repeat payments to make sure this does not happen again, but I believe it is owed to me to have this red mark on my credit removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Over the past two years, I continually receive blank bank checks in the mail related to my Barclay 's XXXX Mastercard account ( XXXX ). I have called Barclay 's numerous times asking the bank to STOP mailing me checks. The last time I notified Barclay 's to stop sending checks, they opened a Case ( XXXX XX/XX/2023 ) to address my issue. However, again on XX/XX/ I received blank checks in the mail! I do not want the blank checks mailed to me because scammers can steal written checks from my mailbox and scammers can use chemicals to erase and rewrite checks to themselves, sell my personal info or use it to create counterfeit checks. Even the outside of the Barclay 's envelope has written, " You XXXX Essential Rewards Mastercard ... '' that tells scammers the letter has Mastercard info enclosed. I want Barclay 's to stop mailing me blank checks!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 107XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I requested a copy of my original signed contract from Barclays financial and was sent a copy of a standard contract without my signature on it. I also requested that the company provide me with a replacement card because I lost my original card and do not have access to the online portal because of it and was denied. I also requested help to reset my online portal or to obtain my original card number in order to log into the online portal and was denied. Barclays financial is required per SEC filings to abide by certain rules pertaining to consumer credit protection. If this issue is not resolved I will file a complaint with the comptroller as well as with the FDIC related to the companies involvement in securities fraud. Under TILA I am entitled to the fore mentioned. I am requesting this issue be resolved within 30 days or I will take action by starting a federal law suit. Installment Loan with XXXX 's bank partner, Barclays XXXXartner Finance, a trading name of XXXX XXXX XXXX XXXXXXXX, a wholly owned subsidiary of Barclays Bank PLC, ( Bank ). I spoke with a representative on XX/XX/ XXXX at approximately XXXX XXXX EST.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My purse was stolen from my car outside of the barber shop and I was left with nothing I had no ID or any type of identification I called the police and made a report of the incident and notified the credit card company I provided a copy of the police report as well but they refuse to help me and investigate the issue thoroughly. Ive been suffering for years due to these accounts being reported derogatory on my report I even continued to pay but the fraudulent charges were never removed which resulted to my account being closed by the credit card company. Under FRCA law 15 USC 1644 I should be protected and this account should have been removed from my report years ago. I provided everything I was asked to I didn't have the report the same day but I took a photo of the case card and provided that until the report was ready
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I SET UP A XXXX PAYMETS OF XXXX XXXX {$1200.00} ( XXXX XXXX MORE ) XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} FOR BARCLYS BANK REF # XXXX BARCLYS IS NOT ACCEPTING THE SATTELMENT THEY COLLACTED THE XXXX PAYMENT NOW THEY SAY THAT XXXX PAYMET CAME BACK THEY TRY TO CALLING ME WITCH THEY NEVERD CALLED ME
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: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I received a correspondence from Barclays offering balance transfer checks My balance on that date was {$0.00}, that is, I owed nothing to Barclays and therefore had an available credit of {$6200.00}. I then used check number XXXX and filled out the amount of {$5000.00} to use to pay other cards. This check was written in the name of my husband, and deposited into his XXXX XXXX account on XX/XX/2023. On XX/XX/2023, my husband received a letter from XXXX XXXX, informing him that the check had returned due to insufficient funds. I called Barclays and explained what had happened and an attendant informed me that he wanted to check what was happening, as my balance was {$5200.00} : {$5000.00} balance transfer, {$250.00} fees and {$26.00} returned check fee. After a few more days, I received a statement from Barclays confirming these values. I contacted Barclays again and the attendants were unable to tell me what was happening. Several explanations were given and no solution was taken. I have already made more than 15 calls to Barclays, spending more than 15 hours in total with no solution. I have marked the name, time and date of several calls and also recorded the audios. On XX/XX/2023, I had to pay the minimum amount of {$52.00} from my account to avoid damaging my credit and so far I have not had a solution to the problem. In XXXX I payed another {$62.00} and XXXX I payed {$52.00} to maintain my account in good standing. I did not use the amount of {$5000.00} because the check was not paid due to insufficient funds and I have a debt of {$5200.00} with Barclays that does not exist. I ask for an urgent solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A