Date Received: 2021-06-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I tried to link my XXXX XXXX XXXX XXXX checking account as an external account to my Barclays online saving account in late XXXX. I initiated the linking at Barclays end. Instead of linking my accounts together so I can transfer funds, Barclays shut down all my access to my Barclays account without notifying me. I did not realize that until a few days later when I tried to log into my Barclays account but only found that I could not even with correct username and password. When I contacted customer care, the rep informed me that my access was cut for security purpose but again they would not notify their customers unless customer contact them. And the general customer care could not resolve the issue but the fraud/security team or so was not on duty on a weekday late afternoon. I had to wait until the next business day to call back. Even that the security team would not give a direct phone number or take customer phone call like all other banks usually do. Instead, Barclays security team will ask the front line representative in general customer care as the messenger to talk back and forth between the specialist at security team and me, the customer. They requested my other bank, XXXX, to provide a letter to confirm that I am the account holder, but they still refused to give my account access back even I requested one from XXXX. They decided they wanted a statement instead. The drama lasted for even more days before I finally regained the access to my OWN account. The whole week-long lockout was not resolved by Barclay 's assistance if there was any. I ended up agreeing to delete my external account to get my access to my own Barclays bank account back. The whole time, Barclays ' security team was very unprofessional and rude to not only me, the customer, but also those poor front line CSR. At this moment, no one from Barclays has contacted me once to notify the lockout or any progress. It is unbelievable that one of the largest multinational banks in the world carries out business this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In checking my credit cards accounts ( which i do regularly ) i noticed a charge on my Barclay card account ending in XXXX for XXXX on XX/XX/XXXX. I have not used my card in over six months. When i went to check where I keep my credit cards in my desk i could not locate the card. I should also add that i hired a professional moving company in XX/XX/XXXX when I moved residences and it is possible someone from the moving company could have taken the card from my desk.Since i couldn't find a number to call to report the card lost/stolen I checked the online transaction and it said I needed to fill out a written dispute and send it to their address in Delaware. I did so immediately. Today I received ( 2 ) different computer generated letters from Barclays. One letter said they can not assist me and to call the number on the back of my card to speak with an associate ( I don't have the card ). The second letter said they were beginning an investigation. I don't know which letter to believe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report. 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: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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: Barclays US issued a replacement card because they changed the rewards sponsor. the old XXXX XXXX Visa card was replaced by the XXXX Master Card with a different number. Upon activating the card on XX/XX/2021, all the online account information was replaced with the new card information only the old card balances remained. Being pressed for time, I placed a block on the card through the company 's online feature on XX/XX/2021, because I had a vendor that has a non-prorated refund cancellation policy, and also makes canceling a subscription through the website difficult. I was not able to access the old card account online as it had been merged with the new card upon activation. The vendor used the old card information to process the transaction for {$99.00} on XX/XX/2021. I contacted Barclays on XX/XX/2021, to inquire why the vendor was able to process a transaction with an old card that was replaced with a newly activated card of a locked card account. I also was concerned that since it was the same account, the old card should have been canceled upon the activation of the new card. They informed me that since the vendor had the old card information it would be possible to continue to charge the account until the old XXXX Visa Rewards card expired regardless of the replacement card being active. They informed me that my only recourse was to submit a dispute for the charge. I informed them that this would not be correct since the account control failure was Barclays. they said that's all they could do. Also, note the inability to block the old XXXX Visa Rewards card because the account was merged and only allowed me to control the newly activated XXXX Master Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33907
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclay : On XX/XX/2021 I submitted a cashiers check to Barclay. After speaking with them over multiple occasions over disputes I was arguing i decided to pay the full amount of XXXX. The cashiers check was cashed and they refuse to make the adjustment on my credit report. On my currently credit report they are showing I settled the account and I DID NOT SETTLE. The account was paid in FULL and was told the account would be deleted off my record for the charges that were made while I deployed while on XXXX XXXX. I agreed with the terms to pay in full as long as the account would be deleted. And my current problem is I sent them one amount and they are showing another amount. And another reason Im concerned over this matter is because initially they wanted me to settle the account. So requesting the account be deleted off my record since they are and have been reporting false information that Ive disputed for years and now finally paid them in full to get the account deleted or even marked or written up appropriately. Just tired of dealing with individuals that just dont care and all I was doing was what I thought was right. Please, look into my account and make the appropriate changes as I can give evidence of the account getting paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, I along with my family members began receiving calls from a company about a debt I owed. I reached out to the company to find out who they were and why they were calling my family. 15usc 1692c The debt collector was XXXX XXXX XXXX They stated they had acquired the debt from then Barclays Bank. 15usc1692b They informed me they would continue to contact me and anyone else until the debt was paid. They threatened that a representative would be showing up to my place of employment and my wages would be garnished. 15usc1692e So, I made arrangements to pay the debt on that day due to the humiliation and embarrassment the calls had caused. 15 usc 1692d I then post dated payments to them in the amount of {$530.00} on XX/XX/XXXX, {$350.00} XX/XX/XXXX, {$350.00} XXXX15 usc1692f. I ultimately made good on the arrangement with XXXX XXXX XXXX. About one month had gone by after complete repayment and I began receiving threatening calls from other collection agencies about the same debt! I explained to them I had paid the debt to Barclays Bank to a different collection agency but my credit report had not yet been updated. Each agency told me to present them with a payment in full letter and the calls would stop. So I reached out to XXXX XXXX XXXX for a payment in full letter and they told me they would send it via email. Each time I called, I was told the same thing and the letter never came. I ultimately ended up reaching out to Barclays Bank, now XXXX, about the debt. They explained they never received payment for the balance and I needed the pay the amount again in order to resolve the account. I paid Barclays BankXXXX for the balance on the account to settle it again in XX/XX/XXXX! A payment in the amount of {$650.00} on XX/XX/XXXX and a payment of {$650.00} on XX/XX/XXXX. Essentially, I paid the same account twice! I would like my money returned to me for payments and late fees and violations of my rights according to 15usc1692k which states : ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have been attempting to get this closed account removed from credit report since XXXX. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I demand they all be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Additionally, under 15 usc 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, have never provided written permission to any credit reporting agency to report any item on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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 tried to work on getting global entry ( I am supposed to get a credit on my statement for {$100.00} if I get it. I started the process and was disconnected, never got an email or a way to get in touch. Both the vendor and credit card company said I was not/would not be charged. It appeared on my statement. I was told would need to dispute. Still no way of verifying with vendor as they don't have me in their records and Barclays is saying it is a valid charge. No info provided how to contact them nor a way to dispute further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am requesting that Barclay Bank waive/refund the late fee of {$29.00} incurred in XX/XX/XXXX due to what I believe are several system errors through no fault of my own. Barclay customer service advised that they never received a payment in XX/XX/XXXX. But I never cancelled any of my {$86.00} payments! I have included all the documents which prove the payments and transactions and errors. XXXX approved for Barclaycard Financing Visa for an XXXX XXXX purchased XXXX on XXXX website for {$1500.00} and I set up automatic payments 7 days prior to the due date for {$86.00} for 18 months on the Barclay Bank website. XXXX I decide to increase the payments to {$130.00} to pay the loan off early. XXXX **** This is the 1st system error occurred as I discover that the monthly payment doubled : Your scheduled payments of {$260.00} pays the minimum amount due of {$29.00} by XXXX XXXX document is attached. I write to Barclay : I just revised my monthly payments to {$130.00} per month ... this is now showing up as {$260.00} double what I authorized! Please correct this. XXXX Barclays claims my payments are only {$130.00} : Upon review, we can confirm that your account is currently enrolled in recurring payments. Our records show that your payments are set up for {$130.00} to be applied monthly on the payment due date. XXXX Because of issues with the Barclay automatic payment system I change the monthly amount back to {$86.00} with auto payment scheduled 7 days prior to the due date with screen clearly showing XX/XX/XXXX as the next due date. I receive a confirmation. XXXX XXXX This the 2nd system error. I receive an email that the {$130.00} has been cancelled. However - I never received any notification that Barclay had cancelled the {$86.00} payment for XX/XX/XXXX! XXXX I anticipate paying off the loan in XXXX as calculated via my auto payments but discover that the Barclay website shows that I owe a balance of {$200.00} rather than {$86.00}. I spoke with XXXX in Barclay customer service that my balance shows {$200.00} instead of {$86.00}. She verifies that 18 month payments of {$86.00} would pay off {$1500.00} by the last due date in XX/XX/XXXX. She discovers that there was no payment in XX/XX/XXXX and that I incurred a late payment fee of {$29.00}. Not good since I never cancelled any of my {$86.00} payments! Note also that the payments resumed in XX/XX/XXXX without any further action from me. I have gone ahead and paid off the {$200.00} balance and cancelled the XXXX {$86.00} payment. I request that the {$29.00} be refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
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: XX/XX/2021 received alert from barclays credit card for 2 transactions, {$670.00}. & {$790.00}. total is {$1400.00}. i disputed this and wasnt given the opportunity to participate in the investigation. i have asked multiple times for proof of the charge, how was the charge made, when, is there an invoice, transactions signed, we have been denied of this information, we filed claims with the credit bureaus and one of them have removed the charge. XXXX XXXX XXXX mistreated us as customers and has refused to provide us proof of the charge that we only have a contact number on the fraud charge, is not working number. we have no knowledge and can not get a hold of the fraud merchant as no XXXX info comes up, we have no information to fight the merchant as barclays investigated but refused to give us the documents thats says we did thus fraud charge, so how did XXXX determined we are responsible if the merchant is non existence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
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 BRCLYSBANKDE Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX 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: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A