Date Received: 2021-05-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/2020, I enrolled in Covid relief and was approved. In XX/XX/2020, I was charged late fees. I started making minimum payments that I could make, which was approved through company but late fees were still assessed each month. I noticed late fees in XX/XX/2020. I asked why late fees when I had been making minimal payments, which were approved. I was told even though they accepted minimum payment, I still had past due which will incur a late fee each month. No waiving of late fees could be approved. I changed the payment amount to {$150.00} per month and still incurred late payment fees of {$40.00} a month. At this time, I have over {$400.00} in late fees even though I have made a payment each month. So frustrating! COVID hit my family hard. I tried to keep my card afloat to replace my score from dumping and this company screwed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-30
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I Call to Barclay 's and inform that I Lost my job, and the only I can paid is XXXX monthly. they never want to help me to lower my monthly payment. I been pay a monthly, at least 2 weeks before due date of {$100.00}. That's the only i can afford right now. I never stop pay, but I sent what i can afford. They never listen to me, they just harassments every month. I need help, I don't denied to pay, but I just need help to low my monthly due to {$100.00}, and stop harassment 's, and also stop give a negative report to my credit. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2021-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Delaware creditor have some fraudulent was of dealing with consumers when it comes to debt collection they always use third parties who then sure consumers but when I settled with their third party The Fraudulent Barclays Bank will not honor the agreement of their representative the third party. In my case The Fraudulent Barclays Bank referred me to their third party after I finish settling with their representative Barclays is still reducing to honor my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a dispute in regards to the incorrect items on my my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment XX/XX/XXXX to my report which is incorrect and I am asking this be deleted immediately. Barclays- late payment XX/XX/XXXX XXXX XXXX late payment XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77539
Submitted Via: Web
Date Sent: 2021-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
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: In late XXXX someone made four fraudulent charges on my credit card account. I reported them to Barclays customer service. The customer service agent said they would remove the charges from my account. They closed my card and issued me a new one immediately. Approximately a week and a half later I received a letter from Barclays fraud investigation. The letter said that they had concluded an investigation and found that I was in fact responsible for the charges and placed them back on my account. I called Barclays customer service to tell them that i did not make the charges and got transferred to fraud investigation and spent 6 1/2 hours on the phone trying to tell them that I did not make the for fraudulent charges. Most of the people that I spoke with in fraud investigation did not believe me. After six hours on the phone I finally got a hold of an agent who listened to me. She was the only person that would look further back in my account. She looked just three weeks back in my account and found that Barclays had accidentally sent someone else a second card linked to my account. She told me that this was evidence that I did not make the fraudulent charges and that they would be removed within 48 hours from my account. 48 hours past and the charges were not removed. I called customer service they told me to keep waiting. After six days the charges have not fallen off. I called fraud investigation again having to wait 45 minutes on hold to get anyone to pick up the phone. They told me that it was a mistake and that the charges would be removed in 48 hours. I went back into my account approximately 24 hours later and the charges had been removed. I thought the issue has been resolved. I was wrong. Approximately 36 hours after the charges had been removed Barclays put them back on my account. I had to call fraud investigation again. After speaking with them again they told me that it was a mistake and they didnt know how the charges got put back on my account and that they would remove them. Approximately 48 hours after this call I went back into my account and saw that it was a mess there were additions and subtractions and negatives and positives and it made absolutely no sense. This is terrifying and I called to close my account. When I closed my account I was informed that my account had an {$800.00} credit. This makes no sense if they removed fraudulent charges the balance should be XXXX there should not be a negative credit on my account. I feel like this is a set up. I feel like they are hoping that I cash the check and then they are going to go back and say that they completed some investigation and that I owe them the money and take me to collections. And in doing this they are attempting to ruin my credit. Barclays is a predatory financial institution. People should beware. If I was an elder or a single working parent I would not have had the capacity to try to resolve this. And even with my capacity, this issue may not be resolved. This is one of the most terrifying things that has ever happened to me as a consumer in my entire life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Continuation of complaint XXXX CFPB did not take appropriate acti on for Barclays to cease attempting to collect a fraudulent and invalid debt. Barclays was sent billings for 2 years regarding the time spent of many phone calls and letters. The right of offset was exercised and Barclays was notified many times of those terms. The amount has been paid in full. The continued fraudulent activity has resulted in additional fees. Barclays fraudulently turning the amount not owed to a collection agency without providing the detailed correspondence for two years has resulted in additional fraud fees. The CFPB must take action to prevent further fraud by Barclays. You are not a pass through organization. Your responsibility is to take action against these banks in conjunction with other Federal Agencies. I expect the CFPB to do so immediately. Barclays has continued perpetrated the frauds over many years. Someone must be charged, convicted and put in prison! We are a nation of laws. Without them marxism and lawlessness prevails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
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 am a customer of Barclaycard and have XXXX of their high-end XXXX XXXXXXXX XXXX products. I live in XXXX, Texas. On XX/XX/2020, someone charged nearly {$800.00} twice at a lumber supply company in upstate New York. We disputed the charge. Two months later, a letter arrived telling us that the merchant had provided information to demonstrate we were liable for the charges. I called the number on XX/XX/XXXX. They said they would send the information that the merchant had provided. Two weeks later, when nothing had arrived, I called. I waited on hold for 30 minutes. They person who answered said that he could tell that the information was mailed to me on XX/XX/XXXX, 6 days after my call. I have now waited another week. It's XX/XX/XXXX. Nothing has come yet. As I type this, I have been on hold another 30 minutes. This is not acceptable service. We were not in upstate New York buying lumber the day before XXXX XXXXXXXX XXXX XXXXXXXX. Someone clearly committed fraud with our card. This company is not taking care of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78703
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with BARCLAYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that BARCLAYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. BARCLAYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I found out that I was embezzled and identity stolen to commandeer several accounts in my name. Two personal credit cards originally opened legitimately, were supposed to be closed or inactive, one for Barclay Bank, and the other for XXXX XXXX ( see attached ). Unbeknownst to me, they were taken over by a former employee, XXXX XXXX, who charged over {$100000.00} on two credit cards by forging signatures. There were balances left on the cards, and eventually the companies charged off balances as bad debts, listing them as delinquencies, even though that was 100 % fraud. I found out through a telephone call from Barclay Bank about the first card which had a ~90 day past due balance. The XXXX XXXX account was discovered still open with a balance after checking my credit. I notified both banks and let them know this was fraud, however they would not believe me. However they said they would listen to law enforcement if the perpetrator was charged. Due to the complexity of the case, the perpetrator, XXXX XXXX, XXXX XXXX XXXX XXXX, was not charged until this year by the XXXX XXXX District Attorney 's office for these crimes. She was charged for two class XXXX XXXX, was XXXX and is now awaiting a XXXX or XXXX. I have disputed both accounts since I was aware of the fraud, however the two cards are still listed as delinquencies on my credit reports. These claims were investigated by XXXX Police detective XXXX ( XXXX ) XXXX or ( XXXX ) XXXX, as well as by XXXX XXXX, XXXX XXXX a former FBI XXXX XXXX crime investigator, ( XXXX ) XXXX, email : XXXX. The accounts were actually illegally paid by the same person who embezzled from them by intercepting the mail, and paying them through a corporate account illegally, so I was unaware the accounts were being embezzled for about four years starting XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: When I got the card, I was happy to use the card. After I used it outside the XXXX store my fees were up to 29 % and I decided to pay it in full, unfortunately I am not agreeing on having a late payment reporting in my credit history
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A