Date Received: 2021-06-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have/had a Visa account with Barclays Bank Delaware since 2009. I have met all of my obligations and have had paid their ridiculous interest rates without complaint. Last fall and this spring they notified me that my account was switching over to a MasterCard account. I did not, nor do I want that to happen. I have business accounts that only take Visa and this is the only Visa account that I have. I called Barclays customer service line and explained my issue to several different people. The last being a " manager '' named XXXX I asked to have my newly switched MasterCard account reverted back to Visa and they said they could not do that due to some cancellation of an agreement with XXXX, XXXX. Furthermore, if I wanted to pursue " opening '' a Visa account I would have to apply for it. My position is - I already have an account with them through Visa. Applying for a new one would affect my credit score. XXXX agreed with me saying it wasn't fair, but still couldn't do anything about it. How is a worldwide bank able to switch affiliations with creditors and require that their customers re-apply for credit even though they currently have an open account? They are compounding personal credit issues, which are already beyond comprehension in this country, because of some " agreement '' they have with certain creditors. Seems unfair that I, and I'm guessing several thousands of Americans, are being treated this way and all we can do is take our credit score down by " applying '' for something we already have. The only option that I had was to close the account .... XXXX Bless the American Dream! But only if you're an international bank who can XXXX on those dreams of everyday Americans!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 10977
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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: 11229
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
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: I recieved a new credit card in XX/XX/XXXX. Upon reading the information documents enclosed I decided not to activate the account. no communication was made to activate the account after receipt of the Account Summary Table and interest rate documentation. I received a bill in XXXX of XXXX, that showed billing for the {$99.00} annual fee. Sent the pay coupon back to Barclays annotated that the account was never authorized and the fee should be removed. Sent a letter to Barclays in XXXX requesting annual fee charges be removed, the response from Barclays in XX/XX/XXXX was Unable to complete the request. During my pursuit to refinance my house loan the credit report came back with a 90 day past due on this credit card reducing my credit rating thus requiring a higher loan rate than originally quoted. Barclays has, as of XX/XX/XXXX, set the fee owing to {$0.00} and closed the account however the XXXX0,60, and 90 past due records are still reported on my credit report as confirmed through a XXXX XXXX discrepancy filing XX/XX/XXXX. I believe that these charges should never have been assessed, I never paid the bill, Barclays rescinded the charge for the card that was never used nor authorized. They need to correct this reporting. The cost to my family is in excess of {$9000.00} due to the higher interest rate assessed on my refinance loan. This record needs to be amended on my credit report by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92663
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Earlier this year I attempted to log into my Barclays account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Barclays abruptly closed my account with balance I have XXXX worth of reward points they refuse to credit to my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
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: Hello, I recently applied for credit and was denied due to a delinquency and now collection against an old credit card of mine. The credit card is BARCLAYS BANK DELAWARE. I went on XXXX XXXX and it shows they are saying my account is delinquent {$360.00}. I disputed the amount on the phone with them last week XX/XX/XXXX and they told me there is nothing I can do because they've sold the debt to a secondary debt collector and this issue is getting out of control and effecting my ability to get access to credit. Below is the timeline of events against my account with Barclay. Last Payment Made : ( PAID IN FULL ) XX/XX/XXXX At this time I put the card in a secure location and NEVER USED IT AGAIN Unaware to me a FRAUDULENT charge was Made : XX/XX/XXXX in the amount of {$3.00}. Barclay would not say how than my account got to {$360.00} but I am assuming they were continually charging my account late fees and interest. I WAS NEVER ONCE CONTACT BY MAIL, PHONE OR EMAIL notifying me Barclay Bank Delaware Closed my account : XX/XX/XXXX Again I was never contacted notifying me of this action taken I finally relieved there was a problem XX/XX/XXXX and immediately contacted Barclay first to understand what happened and second to report fraud on my account. The first represented told me about the {$3.00} charger back on XX/XX/XXXX but would not tell me how the account got to {$360.00}, I was than transfer to an account specialist who told me they sold the debt and that they could not speak with me or resolve the debt, I than requested to be transferred to their Fraud department and I was hung up on TWICE. Barclay customer support would not tell me the name of the debt collector and I am at a loss on how to resolve this. Please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48423
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
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: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a previous balance with Barclays for {$15000.00} that I fell behind on due to working with a fraudulent credit restoration company. I contacted Barclays back in XXXX and XXXX of XXXX in order to reconcile the account and get a settlement amount. On XX/XX/XXXX, I received a letter thanking me " for the time you have taken to provide them us valuable feedback, '' after we had discussed a settlement amount. Verbally I was told that I would receive a letter that reiterated what was discussed over the phone in XXXX. Per their verbal instructions, the settlement agreement was for {$6000.00}. I was told I needed a money order in that amount and that I had to include the last four digits of the account number and the last four digits of my social security number. I was also given the address that I needed to mail the money order to. I was told that the payment was due by XX/XX/XXXX. I was then told that once I sent the payment, I would have a waiting period to validate funds, and then my account balance would be considered " settled-for an amount less than the full balance'- and an update was to be sent to the credit reporting agencies. On XX/XX/XXXX, I went to the bank and got a money order/cashier 's cheque ( because it was a large amount ), then went to the post office to mail off my payment. I sent the payment via USPS Certified mail and requested a signature and return receipt. According to the return receipt, the letter was signed for and I received it in the mail on XX/XX/XXXX. According to Barclays and my credit report, the payment was put in on XX/XX/XXXX, which is showing as the last payment on the account. Since making that payment, I have checked my credit report monthly, and as of today, XX/XX/XXXX, Barclays has failed to update my account balance to " {$0.00} '' and has failed to update the account status to " settled. '' The account shows closed, but still show a balance of {$9100.00}. I called Barclays on XX/XX/XXXX and inquired as to why my account had not yet been updated. I was told that the account is showing correctly and shows that I still have a balance, but they did record the payment that was sent. I was also told by the agent on the line that the letters are basically just sent out as information and that it's a generic letter. However, I was told in my verbal agreement to settle that my status and reports would be updated accordingly. They still have not made any moves to correct/update the correct status of the account with any credit bureaus, and this continues to affect my credit, as the account is not showing up properly. Since they have not upheld their end of the agreement, I would like to have this account updated and deleted from my credit reports with all major credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A