Date Received: 2021-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: It is mandatory that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of FCRA, 15 USC 1681 ( a ) ( 4 ). 3. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 4. Please block and remove this INACCURATE and UNFAIR data on my credit report. BRCLYSBANKDE Account Number : XXXX 5. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX XXXX XXXX Account Number : XXXX 2 fo 1 egaP knalb : tuoba XXXX XXXX XXXX 6. Please block and remove this INACCURATE and UNFAIR data on my credit report. XXXX Account XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My husband has a credit card attached to my account, I am the primary carholder. On XX/XX/XXXX - his credit card was charged, without authorization, XXXX {$9.00} - XXXX XXXX XXXX WY - the amount was small and we didn't notice the fraudulent charge. On XX/XX/XXXX - his credit card was charged XXXX {$9900.00}, without authorization - GET MEMBER ACCESS XXXX - XXXX. We tried to call the telephone listed which just takes us to an answering machine. We contact the credit card and filled a complain about the XXXX {$9900.00} unauthorized charged, they refund us but in the last month statement I notice that they charged us again the amount. I called the Credid Card company - Barclay - telling them that both charges are fraudulent but they don't want to refund us the money. I had to cancel both credit cards that I have since XXXX. I use that credit card a lot and always made full payment on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a Carnival MasterCard which I closed on XX/XX/2020. The balance was {$0.00}. A charge was applied against that card for {$9.00} on XXXX XXXX, XXXX after the card was closed. I do not understand how a charge could be made after I closed my account. Since the time that the account was closed I did not receive any monthly statements. I spoke with an account rep on XXXX XXXX who saw that the account was closed and that the balance was {$0.00}, and he said he would forward it for further investigation. I called again on XX/XX/XXXX since I hadnt received a response. I was told that charge was from XXXX XXXX for a back-ordered item from XX/XX/2020, and that the late charges and interest accrued a balance of {$120.00}. The representative I spoke with tried to explain that the charge was authorized but delayed because it was back-ordered. Nonetheless, a charge was made against my closed account. I called again today and was told a letter was mailed to me on XX/XX/XXXX, saying that the dispute is being investigated and may take 45 days. The balance now is {$16000.00}. Meanwhile this has affected my credit report as late payments for 3 months. I am willing to pay the {$9.00}. I have requested that they dismiss the additional charges. My complaint is that they allowed a charge against my closed account, they didn't send me any statements, and this is taking too long to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76034
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I've been with this company since 2017 and have never been late or had an issue. I was consolidating some credit card debt and went to pay it off and they denied the payment. In the meantime, I still had automatic payment set and had switched it to full balance because I thought the other payment went through which it didn't. So I had my bank stop the second payment After I tried to get them to stop it. So then my credit card had a credit on it of XXXX I believe. Then they charged me charge refunded payment fee. And ever since, every payment I've tried to make they've stopped the payment and charged a return payment fee. I've called five times and they just won't budge and reverse any of the charges so I close my card after I paid it off today. I thought I had paid it off a few weeks ago and then I looked at it today and there was {$190.00} again from these fees. I want my {$100.00} XXXX {$29.00} XXXX, {$40.00} XXXX XXXX, {$40.00} XXXX ) back and the interest I paid on these fraudulent fees. Even the final payment I made today shows it was returned and than processed like all the others and they better not charge me another fee. Again I have never had any issues until I paid the balance off. This is RCI Barclay credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX presented an offer for their credit card, issued by Barclays Bank, to all passengers on my XXXX XXXX flight from XXXX, Hawaii on XX/XX/XXXX. The flight attendant clearly explained several times to all passengers that this new and improved offer now includes XXXX bonus miles that are added to your XXXX account after your first purchase ''. The flight attendant repeatedly stated that you only need to buy a pack of gum and the XXXX bonus miles will be automatically added to your XXXX account. She also stated that this many miles is enough for two roundtrip tickets from the west coast of the continental US to Hawaii. She walked down the aisles passing out brochures and told me that I can apply when I get home. I asked for a brochure and saw that it is also stated in the brochure Earn XXXX Bonus Miles after making your first purchase. Based on this offer, I completed the application on the website that is listed in that brochure ( XXXX ) and it was approved. This website is owned by Barclays Bank. On the home page of this website it is also clearly stated in bold letters Earn XXXX Bonus Miles after making your first purchase. I received my credit card in the mail and I immediately made a few purchases on it to fulfill my obligation to earn these XXXX bonus HawaiianMiles. However, my online account now states that I need to make {$2000.00} in purchases within the first 90 days before I get any bonus miles. I have spent many hours contacting both Barclays Bank and XXXX XXXX multiple ways, including speaking to a supervisor, but both companies are refusing to do anything to fix this.
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: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We have an XXXX XXXXXXXX Credit Card which was issued through Barclays Bank. Unknown to us, Barclays sold the account to XXXXXXXX XXXX around XXXX. Despite that, our payments sent to Barclays was forwarded to XXXXXXXX XXXX for proper credit. In XX/XX/XXXX, we sent an electronic payment via our XXXX XXXX XXXXXXXX XXXX Pay to our usual address ( Barclays ). Without notice, Barclays now advises that they have stopped forwarding payment on " sold '' accounts. With the assistance of XXXX XXXX XXXXXXXX, we have tried for weeks to get Barclays to either forward the payment to XXXXXXXX XXXX or return the funds to us. They have done neither. Instead, with each phone call, they ask for the same information from XXXX XXXX XXXXXXXX XXXX has even sent a copy of the cleared checks to Barclays as proof they received the payment. Barclays refuses to resolve this and has said they can not locate the payment and can not do anything about it. We have escalated this within Barclays but each time, we are forced to speak to a different person who says they do not have the prior information and they will investigate this. They don't return phone calls and won't return the money. This is Theft by Conversion. A copy of the check showing that Barclays received the money is attached. I ask for your assistance to get the funds returned so I can pay my bill to XXXXXXXX XXXX without having to spend the money twice. The amount at issue is {$240.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
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 dropped off a XXXX ( XXXX XXXX rental car at the XXXX XXXX XXXX XXXX, XXXX Airport before catching a flight back to the United States. To my knowledge, the car was in excellent condition with no damages and the rental was paid in full. On XX/XX/XXXX, a charge from XXXX appeared on my card for {$200.00}. I contacted XXXX to dispute the charge that I did not recognize. On XXXX XXXX, XXXX sent me a form letter telling me that the dispute case was closed because the company was not provided with proof of paid by other means. At this point, I began my own investigation and determined that I was being charged for damages to the car. I filed a claim with Mastercard rental car insurance. I have copies of some of the many emails we have exchanged over the last several months. Long story short, XXXX ( operated by XXXX ) never provided photos of the damage or an appraisal or estimate of the damage and therefore my rental car insurance will not cover the alleged damage. I believe now as I did back in XX/XX/XXXX that there was no damage to the car, and the charge is FRAUDULENT. On XX/XX/XXXX, I spoke with a supervisor from XXXX who assured me that the charge would be refunded. Today - XX/XX/XXXX - I was told the case is closed and no refund will be issued to me. As a consumer, I am caught between a rock and a hard place. 1 ) XXXX will not provide evidence of the rental car damage 2 ) Mastercard rental car insurance will not pay the damage because there is no evidence 2 ) XXXX will not refund the charge. Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I AM SUBMITTING A COMPLAINT AGAINST BARCLAYS BANK DELAWARE. I CAME TO A SETTLEMENT AND PAID THE ACCOUNT IN FULL ON XX/XX/2021. I WAS TOLD VERBALLY FROM A REPRESENTATIVE AT " XXXX '' WHO COLLECTS ON BEHALF OF XXXX THAT THIS PAYMENT WOULD BE UPDATED WITHIN 30 DAYS. IT HAS NOW BEEN WELL OVER 30 DAYS AND BARCLAYS IS STILL REPORTING A BALANCE. PLEASE UPDATE THE BALANCE AS PAID IN FULL AT THE MINIMUM OR DELETE THE ACCOUNT IN ITS ENTIRETY. I HAVE ATTACHED PROOF OF MY SETTLEMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern : I formally request that the following inaccurate items be immediately. REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX BARCLAYS BANK DELAWARE # XXXX XXXX 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: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
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 my Barclay credit card from XXXX I had fraud. I tried to do the online dispute but it only let me do half of it. So I called in with the other half. Every time I call I try to tell them about ALL the charges but they didnt understand my XXXX and thought I was talking about one charge. This went on from XXXX till XXXX of this year. It was always we filed your dispute and it can take up to 90 days. So I would wait a few weeks and I see I still havent got professional credit. They say you are not responsible for these charges BUT you still get a bill each month which I did pay. Finally after going around and around I get ahold of someone a week or so ago and they didnt just hang up on me or put me on hold for a hour. They put the disputes in and I thought finally after months of this I got someone to actually get it right. Then shortly after I get a letter in the mailed they they denied my disputes based on I took to long. I never took to long! They just never could get it right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A