Date Received: 2021-05-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed the debt numerous times and XXXX XXXX refuses to validate the debt. I need it removed from my credit reports as it is in federal violation of 15 U.S. Code 1692G. I need this removed from my credit reports immediately or they will be subject to a fine. They are reporting inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
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: On or around XX/XX/XXXX I purchased 2 free hair products from XXXX XXXX stating I only had to pay shipping and handling with no obligation. I was charged on XX/XX/XXXX {$3.00} and {$4.00} and put it on my XXXX Barclay Bank Mastercard. I paid my bill in full on XX/XX/XXXX. I received my free products and wasn't impressed so basically forgot about them. Unbeknownst to me XXXX had either hacked, sold or given my credit card information to other companies. On XX/XX/XXXX I was charged {$88.00} from XXXX and {$84.00} from XXXX on the same day. I had been paying my bills and didn't recognize the charges but I buy quite a few things online and decided I better go through my files to see what it was I purchased from those companies. I paid my bill in full for the amount of {$170.00} on XX/XX/XXXX. On XX/XX/XXXX I was charged {$94.00} from XXXX and on XX/XX/XXXX I was charge {$90.00} from XXXX. I had received 2 separate packages in the mail during XXXX with XXXX return label so I immediately sent them back from the post office Return to Sender unopened. On XX/XX/XXXX I was charged {$94.00} from XXXX. On XX/XX/XXXX I called the number to XXXX not sure what that first charge was for after looking through all my files to see what I had purchased thinking it might have to do with my insurance and found out after talking to a lady that it was for hair products. I hadn't ordered anything so I told her I had not purchased anything and I wanted to file a dispute to get the money credited back to my account because I though the credit card had been hacked. She said she was sorry and offered to send me a {$100.00} gift card all I had to pay was {$5.00} for a shipping charge. I told her no I just want the the charge to be credited back to my account. She got all my information and said she would make sure to take care of it. On XX/XX/XXXX I was charged {$94.00} by XXXX again. By this time I had figured out what was happening and had called Barclay Bank. I told the gentleman I spoke to that I had some fraudulant charges on my card and I needed to cancel it and get a new card. He told me not cancel my card that they would take care of it for me. He took all the information on all the merchants that I had been billed by and said he would file disputes. By this time I was paying close attention to my statements and started filing disputes on charges I didn't recognize. I didn't want to ruin my credit rating so I paid my account in full on XX/XX/XXXX in the amount of {$380.00}. I had a few charges on there for items I had purchased myself. Barclay Bank sent me letters on all the disputes that I had either discussed with one of their dispute representatives or had filed myself online stating that they were referring my transactions to dispute specialists. While they notified the companies of my disputes they issued provisional credits on my account for the amount of the disputed transactions which would appear on my next billing statements. But they said if the merchant was able to validate the transaction they may re-bill and could do it within 90 days and provide an explanation to me along with copies of relevant documentation. My XXXX bill cycle ended on XX/XX/XXXX and I was credited $ {$88.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX and also {$90.00} from the XX/XX/XXXX transaction from the same company. On XX/XX/XXXX I received a letter from Barclay stating that my dispute regarding the amount of {$84.00} with XXXX which posted to my account on XX/XX/XXXX they were unable to pursue because the chip on the card was read and validated during the authorization process or the card was present and the CVV confirmed. The card was not present and so the chip wasn't read and the CVV was given to XXXX to order my 2 free hair products. They suggested I contact the merchant directly to see if there were other options to resolve the claim. I called the number I got off my bank statement numerous times and would get put on hold then hung up on. This went on for a few weeks then finally I talked to a gentleman named XXXX. I told him the situation and he was able to pull up the information on his computer and the supposed date of purchase, the card number and my name. He told me he'd try to take care of it but for me to first try and call another number he gave me which was XXXX which handled the accounts. I tried calling them several times but with no response. I called XXXX back on XX/XX/XXXX and he told me all of their accounts had been given over to another company. He told me to call the number he had previously given me again so this time I did and was successful and getting connected. I talked to a gentleman who told me he didn't have XXXX as one of their accounts and he had no information that could help me. I called up Barclay and talked to XXXX one of the dispute specialists on XX/XX/XXXX and he told me to send a letter to the department about what had transpired and re-file my dispute which I did on XX/XX/XXXX. On XX/XX/XXXX I got a letter back from Barclay concerning the XXXX charge stating after further review they were not able to assist me with obtaining credit to my account because " we are outside of the permitted time frames to continue this claim through the dispute department. We encourage you to pursue credit by contacting the merchant directly. '' So that put that one to bed since no one even knows what or where or who XXXX is and I'm stuck with a {$84.00} charge. On one of the last disputes I filed with them at the beginning of XXXX I told them I wanted a new charge card since this one had been compromised. It was sent to me around the end of the month but I still have not activated it. I got my XX/XX/XXXX billing statement and had an {$89.00} charge from XXXX on XX/XX/XXXX which they immediately credited my account, another one from the same company for {$89.00}, On the XX/XX/XXXX they credited to my account and 2 more, one of XX/XX/XXXX from XXXX for the amount of {$89.00} and on XX/XX/XXXX XXXX for {$89.00}. I filed a dispute on both of these charges then called the bank since I had had a replacement charge card sent out and didn't receive it until the end of XXXX. The woman I talked to told me that the charge had gone through because the computer transferred the charge from my old card to my new one. I asked why it did that since this was the reason I got a new card to begin with to stop these fraudulent charges, she couldn't give me a good answer. I still haven't activated this card. On my XX/XX/XXXX statement, the XXXX charge of {$89.00} made on XX/XX/XXXX was credited back to my account the same day it was charged but not the last charge that was made by the computer error on XX/XX/XXXX XXXX for the amount of {$89.00}. I was sent two more packages from XXXX in XXXX that I sent right back from the post office unopened 'return to sender '.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
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: On XX/XX/XXXX I purchased an outdoor heater from XXXX which cost {$560.00}. The product arrived late XXXX and was assembled by someone that was contracted by XXXX. The technician tried to put the unit together and said that the product was faulty because the holes in the unit were too big for the screws which compromised the unit. I contacted XXXX who said that they would get the 3rd party vendor to credit me once they received the unit. An air bill was sent to me and on XX/XX/XXXX, the unit was shipped back to the vendor. When I received my credit card bill that month, the charge for the {$560.00} was on the bill. At that time, I had no other choice but to dispute the charge since I shipped the product back to the vendor. On XX/XX/XXXX I received a letter from Barclays. The case number is XXXX saying that they could not pursue credit for the transaction because they were not provided proof of return. On XXXX XXXX I faxed the XXXX tracking number which was XXXX. It showed that the merchandise was received and signed for by the vendor on XXXX XXXX. I was able to show that the product was returned in good faith. On XX/XX/XXXX a letter was sent to me by Barclays that they are closing the dispute and they were not able to assist me in obtaining credit to my card for the following reason : " Merchant has not violated the terms and conditions of the contract. '' Unfortunately, the merchant did violate the terms of the contract since I was promised a functional outdoor heater. I am not understanding this, but the only thing I can think of is that I told Barclays that after I pay my final bill, I want to cancel my account with them since this has been a huge hassle. I have excellent credit, and have other credit cards, but I do think that I should be credited for a product that was returned. We also received an email from the merchant admitting that they had received the return and that they had advised XXXX that we should be credited the full amount. In the meantime, I reached out to Barclay 's by telephone XX/XX/XXXX. I asked to speak to a manager at that time. I was told that a manager would call me back within XXXX business days. They never returned my phone call. I do not have any other recourse at this time as I have exhausted all my options. XXXX said that since I opened a dispute they can no longer help me, but they did approve the refund after they knew that the product was defective. I am having difficulty scanning in the documents that I have. If you have a fax number, I am very happy to fax all of the documents that I have that prove my case.Please help me resolve this. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: BARCLAYS ACT # XXXXX XXXX 30 DAY LATE TO CREDIT BUREAUS FOR XX/XX/2020 THAT WAS DUE TO COVID-19 PANDEMIC AND AGREED TO COMPLY WITH CARES ACT RULES AND REGULATIONS HOWEVER HAS FAILED TO REMOVE IT FOR A YEAR NOW .... SEE ATTACHED SUPPORTING DOCUMENTATION FOR MY CLAIM. I HAVE REQUESTED BARCLAYS ON NUMEROUS OCCASIONS FOR SEVERAL MONTHS NOW TO REMOVE 30 DAY LATE REPORTED THAT WAS NOT MY FAULT AND WAS DUE TO A MEDICAL CONDITION THAT WAS CAUSED BY A NATIONAL PANDEMIC. I PROVIDED MEDICAL DOCUMENTATION TO SUPPORT MY CLAIM AND RECEIVED MAIL FROM YOU OFFERING ASSISTANCE RELATED TO COVID-19. HOWEVER, YOU DENIED MY REQUEST TO REMOVE THE LATE IGNORING MY WRITTEN AND VERBAL REQUESTS, ONLY TO SPIT OUT COMPUTER-GENERATED RESPONSES TO EVERY LETTER I HAVE WRITTEN AND EVERY CALL I HAVE MADE GOT TRANSFERRED TO ANOTHER PERSON WHO TAKES MY COMPLAINT BUT ENDS UP DOING NOTHING ABOUT IT ... .. I HAVE NOW TAKEN THIS TO THE GOVERNMENT AUTHORITIES AND HOPE FOR JUSTICE TO BE SERVED ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing this due to non-complaince with the CRA XXXX XXXX XXXX XXXX XXXX They have failed to remove information that was affiliated with personal details that w ere chalenged in a past. I strongly beleve that they are in violotion of the FCRA and are outright refusing to uphold the law Futher more they continue to report late payments on closed and charge off account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I like to close my Barclays XXXX account. The bank refusing to close my account. This is related to my previous complaint on how the bank put restrictions on my account and locked me out - XXXX They are pretty much harassing their customers with extreme policies and enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Barclays and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by Barclay 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92124
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: When I opened my credit card account back in XXXX. I was promised XXXX miles. I only received XXXX miles. I just traveled to XXXX last month and I heard the flight attendants advertising the same promotion of XXXX miles for opening up the same credit card. So I took the same application I filled out in XXXX. I have it here in front of me. Sure enough in the fine print, it says I am to receive XXXX miles after a net purchase is made within the first 90 days of your card account open date. My husband and I both opened our own accounts and should have got XXXX miles total. Barclays just called him today and said they were giving him the extra XXXX miles they promised. See attached photos.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63385
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2021 according to my digital app I was charged {$290.00} by BLS*DR XXXX LECTURES XXXX I intentionally used my Barclay credit card as I do for all internet purchases to have protection from fraud. I am charged an annual fee and one of my advertised benefits is Zero fraud liability. I read all the information visible on the link for the advertised lifetime access to XXXX XXXX medical lectures ( which has some samples to view and the lectures themselves have merit ). The advertised price was {$5.00} USD with a big red slash mark through the {$290.00} value. I agreed to pay {$5.00}. I submitted my CC info and was taken directly to a page to set up my account. At no point was I issued an invoice, no confirmation number was given, and no screenshot opportunity was presented nor was an email ever sent to my email address that was used to set up the account, where I was informed that they were going to charge {$290.00} and not the advertised {$5.00}. After I set up my account I signed off as I didnt have much time at the moment of my {$5.00} purchase. I just wanted to take advantage of such a good deal for future use. At no point was I directed to a place that indicated a charge amount. It was not until my XXXX statement from Barclays that I discovered this company overcharged me. My complaint against Barclay is that when I finally was able to speak to an agent to address the problem ( many wait times before i could get through with the long wait ) and they directed me to make a claim about it they did not tell me that they had no intention of taking action. I have no invoice because it is a scam, since. I have no invoice to prove I was overcharged BArclay is refusing to do a chargeback. I have had them re-open my claim twice and provided 18 pages of fax showing evidence of others having the same problem I have. Barclay holds fast that they are not responsible to protect me as the consumer because I agreed to do business with the scammer. I agreed to pay {$5.00} - I was charged {$290.00}. I have no evidence because the scam knows what to do and intentionally did not show me what they were going go charge. The form on the page for the scammers to contact them directly is conveniently not working. I asked BArclay to help me at least make contact with XXXX XXXX by helping me get a phone number to call. BArclay claims that they do not have a contact number and they they would only investigate if I had an invoice showing proof of the overcharge. Barclay operator ID : XXXX named XXXX told me on XX/XX/XXXX ( I read her statement back to her to confirm ) that Barclays process is that if a customer does not have an invoice ( even if never provided ) that BArclay will close the case and does not investigate. Also Barclay refuses to help the customer connect with the vendor, even when the customer shares that they have not other way to contact the company. XXXX said yes that is BArclays process. In short they refuse to investigate. They never told me this an months have gone by where I am being charged interest on a fraudulent overcharge and according to my states AGs office this is not normal bank practice. My complaint against BArclay is because they advertise consumer protection zero liability and that is a false promise. It is also highly suspicious that I am never able to speak the department that is closing these cases. They call outside of the time I stated I can answer the phone, XXXX and when I return the call I am told I can not be transferred to them because no one is available. The last time they called at XXXX I called back within 5 minutes. My case # with Barclay that they keep closing is XXXX. There are thousands and thousands of people alll around the world who have reported this scam. When I first googled XXXX XXXX it doesnt come up. If you googled XXXX XXXX scam the information is easy to find. Everyone sharing stories from XXXX has the same $ amount in an overcharge. My name is XXXX XXXX from XXXX XXXX Maine and I am seeing a charge back of the amount over {$5.00} that I agreed to pay. Thank you. MY email address is XXXX phone XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 048XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I already reached out to the credit bureaus and to BARCLAYS BANK DELAWARE and notify them of their error posting of information on my report. I never missed any payment on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A