Date Received: 2021-06-07
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: On Saturday XX/XX/2021 I was notified via SMS message asking me to confirm a charge on my Barclay Credit Card. I immediately responded that I had not made the charge and then called the number provided. I went through many of the charges showing with the representative and luckily there were only 3 fraudulent ones. We identified the incorrect charges, confirmed they were fraudulent ( I had never shopped at or heard of the 2 merchants in question ) they asked me a series of other question such as " was the card in my possession ''. After our conversation the charges were reversed and a new card was sent to me. This past Friday, Barclay card re-added one of the charges that was previously identified as fraudulent. After 2 phone calls and the one rep said there was no written correspondence as of this past Saturday I learned they reapplied the charge because the merchant provided evidence. I asked what evidence and apparently they shared a XXXX tracking number showing they sent something to someone. The rep shared the tracking number, XXXX with me. I had to XXXX it to tell them the package went to XXXX WY when I was in Virginia where I reside, as confirmed by their systems when they sent me the original SMS message and identified the fraud. I also shared I had never been to WY and again never heard of the website nor purchased 149 of random things. They are asking the " investigator '' to reconsider. While I wait 7-10 business days, I am responsible for paying the charge as it has been added back to my credit card and my billing cycle ends this week. This is a clear and direct violation of the law, the intent of the law and statutory language. It is also apparent they never actually investigated anything to try and determine the accuracy of the merchants claim that I was the buyer. I am all but certain someone took my information and did order merchandise but the question Barclay has willfully ignored is whether I made the purchase. Any individual, trained or not would be able to look at my purchase history, payment history and consistent behavior coupled with Barclays own technology in flagging the charges to know and confirm this was fraudulent. Allowing Barclay Bank to put the onerous on the consumer to make multiple calls and have to literally do my own investigation ( I was asked what evidence I had of something I did not do?! ) is clearly a money grabbing business process that flies in the face of the intent of the law. Barclay needs to answer to its business practices and correct this asap, including providing interest for the overpayment I will make due to the billing cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
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: On and/or around XX/XX/XXXX, the Complainant discovered an erroneous charge on the Barclay account for the amount of {$71.00}, made on XX/XX/XXXX, from merchant. Therefore, Complainant opened a dispute claim through credit card Dispute Department ( Case # : XXXX ). Complainant contents that merchant erroneously charged Complainants Mastercard {$71.00}, for a service that was under a false account and under an address in error. In fact, according to merchants Customer Care/Services determined that the account was not established and was non-existent and should not have generated any charges for the non-existent account and against Complainant. During repeated phone conversations between the merchants various operators, merchant stated to refund Complainant {$71.00} immediately and/or by XX/XX/XXXX. Notwithstanding, merchant had failed to refund the Complainant for said {$71.00} and as promised by the merchant. Based upon a priori circumstances, merchant is a complex service and comprised of various sectors and levels when faced with customer service. According to merchant, there are more than one customer service representative and more than several sectors to each merchants client. Therefore, it is common for merchant to make a simple error as information is mixed up, through various channels in the business service sector. Merchant contents that once an error is identified through its quality control department, merchant will make all necessary adjustments to correct the error. In this case, the error was discovered by Complainant however, merchant failed to make proper correction/s for their own error and failed to refund Complainants Mastercard ( {$71.00} ). As Complainant presented this matter to the merchant, merchant stated that a refund would be provided within a week and/or up to a months time. Despite merchants statement/s, merchant NEVER refunded Complainant. Therefore, Complainant opened a dispute claim with Respondent Mastercard Dispute Services in an effort to rightfully reverse the erroneous charge/s back to merchant. Respondent credit card dispute investigated Complainants claim and during a phone conversation on XX/XX/XXXX, Respondent investigator requested any proof that service was not rendered on the account and that Complainant did not authorize any service on the account. Hence, on XX/XX/XXXX Complainant provided Respondents Dispute Department with the following to support Complainants claim/s thereof, EXHIBIT 1 - Renters contract Complainant resided in XXXX until XX/XX/XXXX and moved to XXXX at XXXX XXXX XXXX EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from XXXX XXXX on XX/XX/XXXX ). Therefore, evidence shows that Complainant NEVER resided at XXXX XXXX XXXX as merchant wrongfully claim/s, EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from address on XX/XX/XXXX ), EXHIBIT 3 - Text messages show that Complainant refused service at address in error, XXXX XXXX XXXX, EXHIBIT 3a - Recorded phone conversations between Complainant and Merchant Merchant admitted error and promised to reimburse charge for {$71.00}, EXHIBIT 4 On XX/XX/XXXX, Complainant provided Respondent with details proving that Merchant was in error and charged Complainants account based on frivolous claim/s, and, EXHIBIT 5 On XX/XX/XXXX, Complainant provided Respondent with additional information details proving that Merchant was in error and charged Complainants account based on frivolous claim/s. The documented evidence provided by the Complainant and delivered to Respondent Dispute Department, Respondent did take into consideration supporting documentation and failed to include the evidence that would disprove merchants claim/s and support Complainants position in the case overall. Evidence provided by the Complainant such as ; Complainants Renters Agreement, Utility Bills and Text Messages prove that Complainant did not authorize to service the address in question ( XXXX XXXX XXXX XXXX ). Text Messages, Recorded Phone call conversation/s between the merchant and the Complainant prove that Complainant did not authorize and/or refused any service at the address in question yet, the merchant proceeded to create and generate a bill as if service were rendered at the error address from XXXX of XXXX and through XX/XX/XXXX. During recorded statement/s between Complainant and/or merchants service operator/s, merchant admitted that merchant was responsible for the error and merchant would reimburse Complainant {$71.00} on and/or before XX/XX/XXXX. Furthermore, merchant admitted that merchant mistakenly billed the Complainant {$71.00} identified a wrong address of XXXX XXXX XXXX XXXX. According to the Respondents Dispute Department, by conjecture it appears that during Respondents investigation into the dispute claim, merchant purposely misled and provided false information to Respondents despite evidence gathered and collected by Complainant that would prove otherwise. At any regard, merchants tort feasance represent a level of depravity and prevarication in this case. Therefore, Complainant has followed through and opened a separate Consumer fraud case against merchant and currently seeking a third-party assistance into this separate case matter. Despite the overwhelming evidence to support Complainants claim, Barclays Dispute Department closed the dispute case based on merchants terms and conditions. Notwithstanding, the Respondent failed to take into consideration the preeminent factors and circumstances of the case. Instead, Respondent Dispute Department based their determination on a non sequitur in reference to merchants terms and conditions. Furthermore, on the basis of Respondent 's determination, the " merchant 's terms and conditions '' DO NOT SUPPORT MERCHANT 'S CLAIM WHATSOEVER! THE FACT STILL REMAINS THAT MERCHANT CREATED AND ENACTED UPON A FALSIFIED ACCOUNT AND/OR " ACCOUNT IN ERROR '' THAT WAS USED TO WRONGFULLY CHARGE AGAINST CLIENT AND ILLEGALLY TAKE CLIENT 'S MONIES UNDER FALSE PRETENSE/S. Hence, Respondent 's reference to merchant 's terms and conditions do not support nor satisfy any reasonable reasoning to disprove Complainant 's claim and/or " close '' Complainant 's dispute case thereof and/or hereof. Although Complainant provided the Respondents Dispute Department with viable evidence in support of Complainant, the Respondent failed to follow the basic standard of principles when evaluating, analyzing in determining a justifiable decision based upon preeminent factors and/or viable evidence to consider in parity. Complainant admonishes the fact that a decision that is based upon nonpareil terms and conditions only presents a level of quandary to the investigating party ( Respondents Dispute Department, et. al. ) and opens a grievance pertaining to ( but not limited to ) ethical and/or moral conduct under merchant fair business practices and standards, under Federal and State regulatory statutes thereof and/or hereof. With respect to investigating any and/or all fraudulent claim/s, careful attention must be given to the strict procedural requirements under Federal regulatory mandates that involve the investigative processes and/or procedural practices overall. Concomitant to Federal and State guidelines against fraudulent charges by the merchant, a decision that is proven to be nonpareil and/or based upon frivolous reasoning corollary may and/or may not impede upon the Consumers rights overall. ( Note : Merchant is engaging in illegal activity under falsified pretense by charging and taking monies from Client. ) Complainant asked merchant to disengage in illegal, fraudulent charges against complainants account and to lawfully return both credit/s of each at {$71.00} ( combined total of {$140.00} ) back to complainants Mastercard account and owed back to the complainant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am victim of Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
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: I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in an envelope sent to all three credit bureaus ( XXXX, XXXX, and XXXX ), this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. The account was also deleted from my XXXX and XXXX reports as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX credit reports, the account needs to be deleted from the XXXX credit report. The information for this account listed on my credit report is : CREDITOR : BARCLAYS BANK DELAWARE, BALANCE {$11000.00}, OPENED XX/XX/2017, ACCOUNT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputes XXXX XXXX account credit account which is over seven years on my credit reports and credit bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Barclays keep reporting inaccurate information on my account and they need to stop reporting this inaccurate information to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
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: On XXXX night I received a call from Barclays fraud detection line about suspicious transactions. They were indeed fraudulent, being described to me as in-person transactions in New Jersey at a place called XXXX, 3 transactions totaling {$450.00}. I filed the routine papers to indicate it was fraudulent. I later received a note saying Barclays had investigated and some of the XXXX items were fraud, but some were not. How they arrived at that decision was not explained. As monthly bills came in, there were late fees and interest charges, so I continued to call to protest the growing balance. I paid for any items which were legitimate charges, then discontinued use of the card. I wrote letters to their dispute resolution line, but never got any replies. Recently they sent me a letter stating they had received a notice of billing dispute from me regarding a charge from XXXX, a legitimate purchase I made, which I had paid for. I NEVER disputed that charge, as my payment for it would indicate. I have tried to call, but their fraud line is not open the hours as stated on their letters. I have sent back my destroyed card, via certified mail, but have not received the confirmation back from the USPS. I am fed up with their incompetence, and their effort to take my payments for legitimate charges to pay their fees and stiff the companies I purchased from. I have not included copies of documents because I dont want personal information published with this complaint. I do have documents, and will provide if requested by the federal office handling this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/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 Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft BRCLYSBANKDE Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX Date of inquiry : XX/XX/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: 10040
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I recently had a very frustrating and extremely damaging experience with Barclays Bank Credit Reporting affiliated with Miles and More Barclays Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX FICA points. On XX/XX/2021, I received an email notification from XXXX that my XXXXredit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found Barclays Delaware had reported that my Miles and More card was over 30 days past due. Given that I have this payment setup automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, Barclays did not notify me timely about the first missed payment in XXXX. Had Barclays notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. Moreover, Barclays can see that my payment record is flawless except for your unnecessary report. I called three different dispute numbers listed on the Barclays website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the Barclay Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60098
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
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 monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXThis is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine. 9. Identity Theft BRCLYSBANKDE Account Number : XXXX This is not mine. 10. Identity Theft 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: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
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: On XX/XX/XXXX I hired XXXX XXXX XXXX ( XXXX XXXX XXXX to fill in cracks and resurface my driveway. Mr. XXXX quoted me {$400.00} for completion of the services. When the work was completed for the day, Mr. XXXX informed me that the driveway required more work than what was anticipated and that he would have to return to apply another coat. We agreed that an addition {$200.00} for a total of {$600.00} would be a fair price, and that he would return XX/XX/XXXX to complete the job. In good faith, I paid Mr. XXXX the {$600.00} using my XXXX XXXX XXXX XXXX XXXX XXXX. After numerous attempts to get Mr. XXXX to return to complete the job, he ceased responding and was not heard from again. The job was left unfinished ( See photos ). It was at this point that I filed a claim with Barclays and was informed that they would investigate the claim. Initially, {$200.00} was credited to my account on XXXX XXXX. I was never notified about any additional information concerning the dispute. On XXXX XXXX, I was rebilled the amount of {$200.00}. Again, I was not notified about this. Upon examining my credit card statements in XXXX, I notice this rebilling and immediately called Barclays. I was informed that the case was closed and that I would have to write another letter to have this dispute reopened. It wasn't until after I had contacted Braclays until I received the notice of rejection in the mail. Upon examining the documents, the merchant supplied Barclays with an invoice that is not even related to my case. I sent notice to Barclays with additional information including photos of the unfinished work, the correct invoice indicating that he would return to complete the job on XX/XX/XXXX and that there was a two year warranty on the work, and XXXX pages indicating that the merchant has a track record of taking money from customers and not finishing work. The merchant never returned and will not answer calls. On XX/XX/XXXX, I received notice that the dispute was outside the permitted timeframes and that I should continue contacting the merchant directly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A