Date Received: 2023-12-06
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 purchased over XXXX of costume jewelry from XXXX using the Gap Barclay card. They had sent me an email initially to get me to shop w/them for XXXX off the order. The promo code did not work, I emailed them and they refunded the XXXX honoring the promo code so the total then was XXXX ... .then the jewelry came and half of it was not what the listings had shown ... ..I did not like it and they said no we will not provide a shipping label we dont do refunds, sorry about our listing, but no refund. Contacted Barclay to do a dispute, they put it in over the phone and yesterday they called and said well you got a XXXX refund from them ... .i explained what that was from which had nothing to do with the dispute and the Barclay Manager informed me that the dispute was starting from XX/XX/XXXX and it would be another 45 days and they are waiting on the XXXX to decide what will take place and that after all they had given me XXXX ... ..no matter what I reexplained over and over again she just kept making sound like it was up to the XXXX ( which has already made it clear that they were not refunding and dont want the jewelry back, which is why I even filed a dispute in the first place! ) to get back with them and it would be another 45 days. I filed the dispute on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41017
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached an agreement with Barclays Bank to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with XXXX and Barclays fraudulently claimed that the account was still delinquent and I owed them additional money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Barclays Old Navy reported a 30 day rating under XX/XX/ on my credit report. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. I should not be penalized for this company 's error. This is the only delinquency reported on my credit report and it has been detrimental to my future endeavors, including buying a home. I should not have to suffer from Barclays error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
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: A membership purchase was attempted and credit card company denied payment, I then used another card for payment. The denied payment then was posted to my statement. I spoke to the merchant on 5 different occasions and they advised no payment has been received from the denied card. I have spoken to the denied card company several times with no resolution. I asked to know where the disputed payment went with negative results. I have asked to speak to a supervisor and was disconnected. I have credit statements from both companies for the exact same charge. All the disputed company will say is that the charge was posted and it will take XXXX for them to look into the discrepancy. Any assistance will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Failure to respond correctly to Debt Validation notice XXXX XXXX De XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX RE : NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX I have asked you to validate the alleged debt that you claim that I owe Pursuant 12 CFR 1006.34C, and all you have provided me are statements and signatures to an account that you can not prove is mine. The Information and Reponses from office does not meet the required information and disclosures that company is to provide in response to a notice of validation of debts. Your company is in Violation of Regulation F, the FDCPA and FCRA. You have violated my consumer rights under 12 CFR 1006.34c & the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC Any reporting of this alleged debt to any consumer reporting agency will be taken as an attempt to collect on an alleged debt that not only is fraudulent, but you have no legal right to collet on! 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( 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}. Your Options are as follows : 1 ) Delete this account and cease and desist with all collection activities ; 2 ) Settlement ; or XXXX ) We go to court, and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received notication on XXXX that an account had been opened in my name ; however, I thought that was due to me opening a personal loan in XXXX. On XXXX, while checking my account balance on my Barclays credit card, I noticed a XXXXXXXX XXXX XXXX had been opened in my name. This credit card had approximately {$750.00} charged to it. I locked the card and immediately called Barclays, who reported it to their fraud department and removed it from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XX/XX/2023 I received a credit notification that my credit rating dropped by XXXX points due to a reported late payment on my Credit Card ending in the number XXXX. My account was not late. I confirmed this by calling your customer service department the same day. They reaffirmed that my account was not late was was never late on a payment. A late payment was submitted to my credit report unfairly. I kindly request you remove the late payment notification from my account and restore my credit score. I am a good and loyal customer and it is my hope that you will take care of this matter quickly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I was advertised on the flight, AA Barclays credits card and was told that if I apply the credit card on flight, I will get 50,000+25,000 miles which I can use in the year. But I was told to apply in the flight or I will not get the offer. Not only I found that there was no urgency as it was a standard offer that AA gives, they also did not give me any of the miles. Then I called XXXX XXXX who told me to call Barclays. It was a hard hit on my credit. I called Barclays and they said it was my fault. After long discussions, I told them it is a deceptive practice and to file the complaint, but they refused to do so. After pressing them, they only decided to file the complaint that it was air hostess fault - regardless that credit hit was done by Barclays and it was official venue of advertisement. This is a very predatory practice and complete violation of rules to stop such predatory behavior from lenders. But I feel that regulations are not being applied properly in Barclays case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized hard pull inquiry on my credit report. I have no knowledge nor did I consent to these hard inquiries on my updated credit 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: 10463
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
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 filed a dispute with Barclays in XXXX for a charge on XX/XX/2023 for {$2700.00} because the plumber failed to complete a project. Specifically, this is my original dispute message to Barclays : A tenant reported sewer smell in the building. XXXX the plumber went out, told me the issue and said he'd come back to fix them. He sent me the bill after a few days with pictures of the problematic parts, I thought everything was resolved. However, the tenant reported the issue persisted. I thought it's more of a warranty issue. My property manager and I have been contacted him for weeks but we couldn't get him out to finish the job and later were not able to get in touch with him. The tenants were threatening to escalate, so we have to get another plumber, turns out the toilet was not replaced, the pipe was not fixed, the bathtub fixture was not replaced. Those were all listed in the invoice and I need to pay another plumber to fix essentially most if not all of the items listed, and potentially escalated actions from tenants. After not receiving any updates for months, on XX/XX/2023, Barclays called and left a voicemail, asking me to reply within 2 business days or else the case will be closed. I called within a few hours, they wanted me to fax or mail the invoice of the original plumber, invoice ( s ) of the work to complete the project since the original plumbers departure, and a second opinion letter stating the original plumber did not finish the work, within 48 hours. At that time, I have requested Barclays to provide all supporting documents and correspondence provided by the merchant to me. Due to the tight deadline, I had immediately contacted all the contractors who have involved with the project to see whoever is able to provide the second opinion within the timeframe. Note that at that time, Barclays did not mention the second opinion letter had to be from a licensed plumber. Therefore, one of the contractors who witnessed the entire event was able to provide a letter attesting the original plumber did not finish the project, and we had to hire another plumber to complete the project. One day after XXXX request, on XX/XX/2023, I had faxed my supporting documentations. After that, I had not received any updates from Barclays for two weeks. I decided to follow up on XX/XX/2023 to confirm if the XXXX fax was received and the status of the case. I was told by Barclays that the fax was received and the case was still investigating as of XX/XX/2023. However, I noticed later that night a rebill amount {$2100.00} was charged on my account on XX/XX/2023. Worrying about the previous phone rep might not had enough permission to see the full status on the case, I decided to send a secure message immediately on XXXX online portal. I got a response shortly after that the secure message system was not able to handle dispute cases. Therefore, I called again on the next day on XX/XX/2023. Barclays had initially told me the case was still investigating with no update. After I have pushed for an explanation on the rebill amount of {$2100.00} on XX/XX/2023, they told me a letter was going to be sent out and they can not disclose the reasoning over the phone until I received the letter. Note that I had yet to receive any supporting documents and correspondence provided by the merchant to Barclays at that point, so I had requested such information again during the call. I have also requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told it can only be done after I received the letter. I had finally received the letter on XX/XX/2023, dating on XX/XX/2023, stating the following reasons : We were not provided with proof that the merchant agreed to refund the credit card account. We were not provided with a valid second opinion as previously requested. I was never told to provide the first piece of proof, and I had already provided a second opinion letter within a calendar day, and confirmed by Barclays that they had received it. The letter also mentioned that I had to contest the case within 10 days of receiving the letter. Therefore, I called immediately on XX/XX/2023 upon receiving the letter. At that time, I was told the second opinion letter had to be from a licensed plumber, which I was never told before, and I had to provide that within XXXX hours of this call. I mentioned it will be a challenge to get that letter from a licensed plumber, I was then allowed to provide such letter until next Friday ( XX/XX/2023 ). I was also assured that the case was still open, and since I had contacted Barclays, the case will not be closed until the deadline of XX/XX/2023. I had again requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told they will send in that request only after I have submitted the documents. Since I didnt have the direct number of the plumber, I had to contact the office of the plumbing company, and the master plumber was on vacation so it takes a few days to get permission from him. Nonetheless, I had stressed the importance to have this promptly, I was able to obtain the letter XXXX business days later on XX/XX/2023. I had immediately faxed it to Barclays and called after a few hours to confirm if the fax was received. I was told that faxes take XXXX hours to receive, but they had already closed my case on XX/XX/2023, 15 days after the XX/XX/2023. I believe the representative I talked to on XX/XX/2023 did not take any necessary steps to log our conversation and kept the case open. I was told during that call that the case could only be reopened upon receiving the fax. I have called again a day later on XX/XX/2023, I was told the XXXX fax was received. The case will now be reopened since documents were received. I had again requested to apply a provisional credit of {$2100.00} that was rebilled on XX/XX/2023 until the case is resolved, I was told only the investigation team could do this and she had submitted the request. After having no updates and no provisional credit for XXXX weeks, I followed up on XX/XX/2023. I was told the case was already closed. Meaning the representatives on XX/XX/2023, XX/XX/2023, and XX/XX/2023 did not take any steps to reopen the case at all. At that point, as a customer, I was not sure if they had able to add any notes to my seemingly closed case. I asked to escalate this case to a supervisor, and I was told I will receive a call within XXXX hours. I received a missed call from a Barclays supervisor on XX/XX/2023. However, the voicemail did not leave any direct call back number or a number that leads to the escalated department. In the voicemail, she said I may return the call at the standard XXXX number. Therefore, I had to call again and went thru the entire escalation process again to ask and for a supervisor call back. During this call, Barclays continued to change the goal post. The agent said they were unable to accept the latest second opinion letter because it was not in a formal business letter head which was not previously communicated by any of the XXXX previous agents. The supervisor called in the morning despite I requested for a call back at a different hour on XX/XX/2023. She acknowledged my point that the requirements were not specified regarding the second opinion letter on the original request ( it had to be a licensed plumber from the call on XX/XX/2023 ) and the follow-up request ( the letter had to be in a company letterhead from the call on XX/XX/2023 ). I went into great details on the exact specification on this second opinion letter in hope that Barclays doesnt change the goal post on me again. She was not able to confirm what information was needed in the letterhead ; she did not even answer the question of if company name, address, and phone numbers were required. She just said it just needs to be in a company letterhead, suggesting to me that theres no written standard for this requirement or if this was just a requirement made up by the previous agent on the fly and the subsequent agents had to follow thru with that. While inquiring in details on exactly what else were required from me to reopen this case, she said a statement was required on the fax requesting the case to reopen, which was never disclosed to me in the previous three calls. I had faxed the revised second opinion letter with company letterhead and a cover letter stating this is a formal request to reopen this dispute case on XX/XX/2023. I had also made clear again that if any part of my dispute was rejected, I would like to request for a detailed itemized breakdown of the {$2100.00} line ( multiple repairs ) provided in the merchants invoice on exactly which line item was completed and could be supported with proof and which line item was not completed nor finished. Since I didnt see any provisional credit applied to my account for another week, I called Barclays XXXX XX/XX/2023, I was told the XXXX fax was received. The rep, similar to the previous experience, did not have any updates nor had more information regarding to my request of applying the provisional credit of {$2100.00} until the case is resolved. Therefore, I have requested for a supervisor to call back. Similar to last time, I had requested a call back in the afternoon and was assured that a call back number will be provided in case I did not pick up the phone on time. I received the call back in the morning, different than the requested call back time similar to last time, on XX/XX/2023. Unfortunately, I was not able to pick up the call at that time, and the voicemail did not leave any direct call back number. Similar to the previous experience, I had to call the general number again and went thru the entire escalation process again. A Barclays supervisor was able to call me back on XX/XX/2023, ensured to me the case was reopened and informed me the new case number. I was told again that the provisional credit of {$2100.00} will be requested. I called Barclays to ask for an update on XX/XX/2023. The rep said theres no update at this point but she said interest rate will not be charged for the disputed amount of {$2100.00}. Since there were no indication online, in the statement, or a separate notification letter regarding this, I requested for something in writing. The rep was not able to provide anything in writing other than this verbal confirmation, without mentioning any an end date for this interest rate waiver. On XX/XX/2023, I received letter dated XX/XX/2023, saying my claim is declined again due to : Merchant has not violated the terms and conditions of the contract Insufficient proof of cancellation We were not provided with sufficient proof that the merchant has agreed to refund the account For the first point, since Barclays did not mention that the second opinion letter is insufficient, I expected Barclays has accepted this document. The second opinion letter has clearly stated that the merchant did not fully complete the project, clearly a violation of the terms and conditions of the invoice/contract. On the second point, given that the merchant did not respond to any of communications at all until this date, this was a cancellation on his part. With this, the cancellation proof of burden should not be on me as I always intended for the merchant to complete the project in a timely manner, and the project was halted for a significant amount of time, just to wait for him to respond and eventually get back to the site and finish the project. Lastly, I had repeatedly requesting Barclays to provide me with all supporting documentations provided by the merchant, which Barclays had failed to provide as of this date, unless the two-page invoice from XX/XX/2023 ( which I have also provided to Barclays ) XXXX the only time and everything the merchant provided ( as in, no additional correspondence nor letter was provided by the merchant ). If that was the case, it meant the merchant had failed to explained the fact that the project was not finished according to the second opinion letter, did not provide a detailed itemized breakdown of the {$2100.00} line ( multiple repairs ) provided in the merchants invoice, and did not provide proof on exactly which line item was completed. When the merchant did not respond or provide with an agreement to Barclays to refund the account, it should not mean the customer had to seek out directly to the merchant for such agreement as the core of this dispute was due to the Merchants lack of response both physically and over all communications method. Given that Barclays has promised that zero liability should be bear by the customer in these situations and this case has extremely strong evidence to show that the merchant did not finish the work. I think it is unfair for Barclays to decline this claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A