Date Received: 2021-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There was an Unauthorized inquiry from Barclays Bank furnished on my consumer report back in XXXX, XXXX. I informed both the consumer credit reporting agency and Barclays about the fact that my right to privacy as a consumer was being violated and that they were both in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my TransUnion consumer report from an Inquiry dated XXXX without my authorization or a permissible purpose. Barclays has sent me 2 letters stating that the inquiry would be removed within 30 days which has not happened the first letter dating back to XX/XX/XXXX and the latest XX/XX/XXXX. At this point Transunion is also in violation for willful noncompliance, in Fact, I have submitted multiple disputes via certified mail # XXXX and Transunion has failed on multiple occasions to remove the inaccurate information therefore they are in violation of 15 U.S. Code 1681n ( a ) any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of 1. ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not mor than {$1000.00} ;
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: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BRCLYSBANKDE XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX ; XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
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: Contacted Barclays XXXX for a billing dispute. Open the dispute on XX/XX/2021. Received response to the dispute via mail on XX/XX/2021 but CC company letter is dated XX/XX/2021. Replied to CC company via fax and mail on XX/XX/2021. CC company has NOT replied back and closed the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays collaborated with XXXX XXXX and issued me an Wyndham Rewards Visa Card to purchase " points '' that I did not want. XXXX used deceptive practice and fraudulent pressure to sell their product, and Barclay being the active party immediatey issued a $ XXXX credit card making it difficult to back out. Since XX/XX/2019 I have been paying back the loan. I never used the " points '' and will be not be using it in the future. I had exceed the 5 day grace period in XX/XX/2019 to back out of the application. ( Less than a month ) I called them but they provided no resolution. The card was technically never activated by me. Just to keep myself from being reported to the Credit Burea I continue to make a monthly payment. I am nealy XXXX and was very tired on the date of the purchase. The value of the Club package was $ XXXX which they kept being charging to this card. I currently pay over {$150.00} in monthly interest. I relaxed a moment only to become a victim to their scheme - a nightmare. An entanglement impossible to get out without spending even more money. Lost all my respect for Barclay a financial instituion I had admired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20877
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraud Claim on XXXX XXXX Visa Card from Barclays XX/XX/XXXX - Found 2 charges from XXXX XXXX XXXX of {$92.00} Totaling {$180.00} -Purchase was not authorized. Called Barclays to report this as fraud. I do not have a XXXX account and have never purchased anything from XXXX even as a guest user. Credit card with last 4 digits XXXX was closed and I was sent a new card. XX/XX/XXXX - Fraud investigation completion letter sent for credit card ending in XXXX. See file with copies of letters sent by Barclay. This one stated that if charges were put back on my account they will provide a written explanation along with any relevant documentation. XX/XX/XXXX - Received letter from Barclay dated XX/XX/XXXX that said that the credit was reversed. The {$180.00} charge was put back on my account as their investigation found that the activity was valid. I contacted Barclays fraud department and requested documentation of the transaction to be sent to me. Allegedly two ( 2 ) pairs of black shoes were mailed to our location. A USPS tracking number was used to prove the transaction was valid. As stated previously these two ( 2 ) pairs of black shoes were never ordered. Asked for the USPS tracking number from Barclays multiple times. Finally received it via relationship manager on XX/XX/XXXX. o Tracking number showed the actual package received was a small envelope weighing 1.8 ounces. Scanned and sent the USPS document as a file. o Envelope arrived on XX/XX/XXXX and when opened there was nothing in the envelope. o For the vendor who sent this envelope, proof of delivery was met. Need to realize two ( 2 ) pairs of shoes weigh more than 1.8 ounces. This proves that no shoes were sent. Barclays mentioned vendor documentation would be sent to us in 7-10 business days. No vendor documentation was ever received by mail. XXXX was contacted with no success of attaining any information pertinent to this shipment. o Since not having an active XXXX account, I was unable to attain any information from them for this shipment. o To this day I have not received any documentation in the mail from Barclays or XXXX regarding this shipment. I researched and found this info regarding the Vendor XXXX XXXX XXXX. More than thirty ( 30 ) entries on the topic erroneous credit card charge from XXXX XXXX XXXX dating from XX/XX/XXXX XX/XX/XXXX. One case was almost exactly what happened to me. If needed, more information can be provided. Several attempts to contact the merchant were made with no results. oPhone number and email was supplied by Barclays via phone. I again asked for documentation via mail to include the USPS tracking number. oFound out this phone number ( XXXX ) was no longer in service. o Their email ( XXXX XXXX ) came back with this message : Sorry, we were unable to deliver your message to the following address. XX/XX/XXXX Barclays fraud department was contacted again. Fraud charges were still our responsibility. Reason - USPS tracking number. XXXXdentity Force was purchased by my husband and I. Process with Barclays and XXXX started with them. The transaction ID from Barclays was needed. Barclays and XXXX were still unable to provide this documentation. As stated previously 7-10 business days passed still no documentation. Barclays fraud department was contacted again. XX/XX/XXXX Documentation for the shipment was never received. Barclays fraud department was again contacted. A supervisor was supposed to get back to XXXX no later than XX/XX/XXXX. XX/XX/XXXX Received a phone call from this number : XXXX. When I answered, it said that this conversation will be recorded and then the person hung up. This happened twice. Several attempts were made to contact this number received a canned message from Barclay. No success reaching a live person. XX/XX/XXXX Barclay fraud department was contacted again. At this time the USPS tracking number was given over the phone. I was able to track the package using the USPS tracking number. As stated earlier, the package weighed only 1.8 ounce and was mailed first class. According to the postal service employee, first class mail can only be 16 ounces or less. I have included a copy of the USPS tracking information which shows that the " package '' was sent first class and only weighed 1.8 ounces. Please let me know if you need more information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 228XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was recently a victim of credit card fraud in the amount of {$180000.00}. Of this total, {$42000.00} was not refunded to me. Unauthorized withdrawals were going from my bank account at XXXX XXXX XXXX XXXX, to my credit card company XXXX Barclays XXXX XXXX. When i realized the automatic withdrawals being taken out of my bank account were in excess of my credit card bills, and more frequently than my normal payment schedule, i spoke to my bank. They were able to research and figure out where the money was going to and why. However they only reversed a portion of the unauthorized transactions. They then told me to take the rest up with my credit card company. When i contacted my credit card company they told me they can not help me and i would have to take it up with my bank. So no one wants to help remedy this and I am at a lost of a significant amount of money, {$42000.00} Dates and amounts of transactions that were taken from my bank account without my authorization : XXXX {$13000.00} 2. XX/XX/XXXX {$9000.00} 3. XX/XX/XXXX {$4100.00} 4. XX/XX/XXXX {$11000.00} 5. XX/XX/XXXX {$12000.00} 6. XX/XX/XXXX {$6400.00} 7. XX/XX/XXXX {$5000.00} 8. XX/XX/XXXX {$8300.00} 9. XX/XX/XXXX {$9700.00} 10. XX/XX/XXXX {$12000.00} 11. XX/XX/XXXX {$7100.00} 12. XX/XX/XXXX {$2000.00} 13. XX/XX/XXXX {$4000.00} 14. XX/XX/XXXX {$6000.00} 15. XX/XX/XXXX {$7100.00} 16. XX/XX/XXXX {$7500.00} 17. XX/XX/XXXX {$6000.00} 18. XX/XX/XXXX {$11000.00} 19. XX/XX/XXXX {$7800.00} 20. XX/XX/XXXX {$5000.00} 21. XX/XX/XXXX {$8300.00} 22. XX/XX/XXXX {$9700.00} My bank reversed only some of the transactions listed above, however the following transactions were not reversed : 1. XX/XX/XXXX {$11000.00} 2. XX/XX/XXXX {$7800.00} 3. XX/XX/XXXX {$5000.00} 4. XX/XX/XXXX {$8300.00} 5. XX/XX/XXXX {$9700.00} I am reaching out to you because neither my bank, nor my credit card company will reverse these unauthorized transactions, resulting in a total of {$42000.00} stolen from my account. The bank and my credit card company have left me with no one to turn to, please help me get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11735
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: All my credit report with 2 of 3 credit bureaus said was it was with someplace in Deleware called BARCLAYS BANK DELAWARE Original Creditor Contact Info ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA My ex-husband is named XXXX, & my name is spelled XXXX with a middle initial as " XXXX ''. He was found guilty of opening dozens of accounts, even bank accounts, back in XXXX. He did the same to his own father because they have the exact SAME names. I have tried to explain that I have never had any type of credit card, in my name, in my entire life. But, after this BARCLAYS BANK wrote off the amount, which it stated he was given an {$800.00} credit limit, a collection agency purchased the debt and although I disputed it twice, they refuse to remove it from my XXXX or XXXX accounts. He opened 2 other creit cards practically at the very same time, and all this occurred back in XXXX is what I noticed, the 2 other credit card accounts were written off and do not show on any of my reports any longer. My ex-husband has over 16 accounts that are in collections, with 2 in the same name as this one the collection agency is blaming me for. I can not help that my name is spelled oddly, and it is not my fault that he feels entitle to ruin my FICO scores, but SOMEONE MUST follow the paper trail, and see that it is NOT MY CREDIT CARD and I don't apply for them ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My husband XXXX XXXX and I had a Barclay credit card. We closed the card in XX/XX/XXXX which terminated any online access. I have been trying to get the XXXX Annual Summary but Barclay has not provided it. Beginning in XX/XX/XXXX I have called the customer service number XXXX on 4 separate occasions. I do not know the card number because we destroyed the cards and because our online access is terminated. However the Barclay rep was able to locate the account by my providing the last 4 of the social security number. The rep would not provide me with even the last 4 digits of the account number. In each of my 4 phone calls the rep promised to mail a copy of the XXXX summary, which I need for my taxes. We have never received the summary. The rep refused to transfer me to a supervisor. The last rep, XXXX was actually rude when I explained it was my 4th call and I had not received the summary that I had been requesting since XXXX. My desired resolution is to receive a copy of my XXXX Annual Spending Report Summary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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 put a deposit for a front entry of {$5200.00} with XXXX XXXX XXXX in XXXX NJ. The merchant said the door will take approx 4 to 8 weeks to get installed. After numerous calls and discussions and delays the merchant said he can install door on approx XX/XX/XXXX. Merchant came to my home with supposedly my door but cracked the glass. Merchant stated it would take approx 2- 4 weeks to get new glass and the re install. After I called numerous times to see about status the owner could not not give me a date. After more calls and heated discussions for 2 months I decided that I needed to get a refund from credit card company Barclays Bank. I initiated dispute in writing on XXXX XXXX. The bank refunded my {$5200.00} on XX/XX/XXXX and the reinstated said charge on XXXX XXXX stating the owner / merchant proved his side of the case / How is that possible? I still have no door / the merchant never once contacted me about status of order or possibility of completing job! So, XXXX wants me to pay for a product in which I have NEVER received? If the owner / merchant refuses to communicate with customer how is this ever going to get resolved / But I'm out {$5200.00} dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
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: Barclays credit card had zero balance in XXXX. XXXX fraudulently charged my account in XXXX XXXX. I had never dealt with them. Barclays investigated and agreed to remove the charges and late payment fees. The account was also closed at that time. But after numerous calls, the charges were still there. The bank was calling me daily for payment of fraudulent balance. Each of three credit reports dropped about 150 points. Filed complaints with XXXX and XXXX, but not XXXX. XXXX complaint was settled with the the balance being maintained by Barclays. Waiting for XXXX result. All credit reports are still down XXXX points.This was after Barclays promised to take care of the problem on their end two weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A