Date Received: 2021-05-04
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: This VISA card goes back to beyond 2011, when it was Originally a XXXX Visa Card, and was " Converted '' to BARCLAY. Back before that, I haven't records. -It was used as the XXXX XXXX XXXX to pay my XXXX XXXX after XXXX was gone. That was substantail because I was in Highest Senior Bracket. Along with others. " They put me on varying " Hardship Plans '' -- Each that would be fine for a number of months -- but XXXX. At XXXX they placed me on a different Hardship Plan. -- Which now I understand made the delayed portion now LATE. ( I think XXXX It accumulated Late Fees and a much Higher %. Since then, monthly I have been calling to find solutions -- looking for an Affordable Monthly Payment -- while making a Payment of Approximation. I WANT to pay this Bill. I ALWAYS pay Bills. But I can not do Hundreds of Dollars ... Yet they can only " Offer '' me Huge Pay Off amounts ... While I continue to make estimated payments. I am a XXXX on XXXX Soc. Sec. They want Payments well beyond my ability, all while adding Fees, and very High %. I call monthly for their " Help '' I can not pay " Settlement '' amounts. I want to do it Right. Please make them listen to me. Offer Reasonable Monthly, with Reasonable % and no Fees I have kept some records about these phone calls ( MONTHLY!! ) -- and the estimated minimum MONTHLY payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
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: On XXXX my wife and myself were going to re-new our passports with the US State Dept. through XXXX XXXX. On XXXX we decided to cancel this order as we are elderly and probably will not travel. I contacted XXXX XXXX via e-mail and informed them of our decision. XXXX XXXX ignored our communication and posted two charges of {$49.00} to our Barclay card onXX/XX/XXXX.I contacted Barclay Card and filed a billing dispute. Case number XXXX and XXXXOn XXXX Barclay sent me a letter that they ruled in favor of the Merchant. On XXXX I sent Barclay a letter that we never received the merchandise we paid for as we canceled the order. I am not required to pay for an item I never received 15 USC ss 1601.Barclay has since sent me a statement that I must pay {$98.00} plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 041XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
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 received a fraud allert on XXXX due to suspicious activity. At that time a new card was ordered and I reported XXXXwo charges to my account that I did not make. They were made on XXXX by XXXX XXXX XXXX XXXX for {$2.00} and {$3.00}. The cc company originally reversed those charges and then reinstated them on XX/XX/XXXX. I called the cc company on XX/XX/XXXX and asked for the charges to be removed since I did not make those purchases.They were made after my card information was stolen on XXXX. The cc company refused to remove them. There is alot of information online about that company XXXX XXXX XXXX XXXX XXXX XXXX.being used by skimmers to see if the card is usable. The card was not out of my possession on XXXX and I never made a credit card purchase at a vending machine. I want those charges removed asap. Thank you I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Had several late charges from Barclays credit card and was unsure as to how and why these were being applied. Discovered today that Barclays converts the paper check to an electronic check, submits it to my bank for electronic payment and after the check is paid they then credit the account with a payment, along with a late fee. Most recent payment was due Saturday, XX/XX/2021 and an electronic request for payment was submitted to my bank at XXXX XXXX., Monday, XX/XX/2021. Speaking with Barclays this morning ( XX/XX/XXXX ), while there is a payment pending to Barclays with my bank, they are indicating that they have not received a payment from me and have not credited my account with the payment. In order for Barclays to submit an electronic payment they would have had to had the check on XXXX ( no mail delivery on Sunday XX/XX/XXXX ). Barclays must credit the account with a payment the day received, not after turning it into an electronic check and having it cleared through my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
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 writing to you in regards to a fraudulent account that was opened in my name. I This account was marked as fraudulent, but the investigation was concluded based upon a single data point that I would like to clarify and contest. The account in question ends in the 4 digits XXXX. I would like to reinstate this investigation and re-review the evidence considered in this fraudulent investigation. Based on the information provided by Barclay representatives, the investigation on the fradulent account was concluded since there was a payment of {$200.00} on the statement balance associated with XX/XX/20 and was applied to the outstanding fraudulent amount as of XX/XX/20. This payment was made from my personal XXXX XXXX checking account, partially by mistake, and I believe this was the initial aim of the fraudulent offender, that being to open an account with my information, hoping that I would pay it. However, this was the only payment I made, but this should not invalidate the other evidence pointing to this being a fraudulent account. The current email on the account, which I have requested not be changed to my personal email in the interest of maintaining evidence, is likely to be XXXX, however this can not be confirmed with my Barclay representatives. This same email was also connected to a fraudulent account on a different credit card with a separate company, which ended up being closed as the result of a competent investigation. All of the purchases on this account are suspicious in regards to the locations associated with their purchases. On the statement period of XX/XX/20-XX/XX/20, there are several purchases that are abnormal, given that my address at this time of these purchases were quite far from their location of purchase. For example, there were purchases spaced 1 day apart, from XXXX XXXX, to XXXX, to XXXX, all cities seemingly adjacent in California, but far enough away from each to justify fraudulent behavior, but with minor-enough purchases to potentially bypass suspicious behavior as automatically recgonized. However, I can attest that I have not and do not live in, near or purchase items in any of the cities or from the vendors listed. In addition, the charges on the account clearly reflect fraudulent behavior. On the dates spanning XX/XX/2020, as reflected on the statement period for XX/XX/20-XX/XX/20, six separate purchases for XXXX XXXX Gift Card at {$50.00} each ( totalling {$300.00} ) reflects fraudulent behavior, as the sequential purchase of multiple, lower quantity gift cards is suspicious, however there were no suspicious alerts. In addition, I do not and have not possessed any XXXX devices, and therefore the purchase of XXXX gift cards is evidence of fradulent behavior. Given the evidence provided, I would request that the investigations for this fradulent account be re-opened, and that the evidence I have provided will be considered in favor of considering this account fraudulent, and in turn, closing the account so that no collections are paid. Interest and fees continue to acculmute, and I should not be responsible for any payments given the evidence presented. I have included the referenced statements as hard copies for confirmation, and I appreciate your time and efforts to evaluate and close this fraudulent account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I've always had a credit score of over 800 because I always tried to be very careful with credit cards. a few weeks ago I was in the process of getting a home loan for a house I really wanted to purchase. My loan had gotten denied and I found out it was because my credit had dropped over 200 points. I had discovered my ruined credit was a result of an automatic online annual XXXX dollar charge on an old Barclays card I had. This is a card that I had for over a decade, I used this card in the past for hundreds of transactions and have always paid my balance on time every month. I had stopped using this card during the pandemic because of my financial situation and saving for the home purchase. I do not receive paper statements for this card. Some website apparently signed me up for an ongoing annual subscription and charged XXXX dollars to this card. I never received any communication about this small charge not being paid by me. I had finally received a letter from Barclays saying they closed my account, after the fact that is. I immediately paid for the charge when I found out about it, but my credit was completely ruined by that point. I had done everything within my power to communicate with Barclays to at least get my account reinstated as I've had a long and good credit history with them and I've always paid them on time. They did not reinstate my account and weren't willing to remove any negative reporting to the credit bureaus and I lost the home I was trying to purchase. All of this was over a XXXX dollar charge after being a great customer of Barclays since XX/XX/2004. They haven't communicated with me about what was happening and they chose to lose me as a good client and ruin my credit and not even try to fix anything. Total disregard to a person financial well being ... a long time client who made them a lot of money. I would love for you to publish this so people can be warned of how Barclays will completely disregard someone's life. Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
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: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, The issue i have ran into with a few companies is i have some unauthorized/incorrect inquiries placed on my credit report. This has severely impacted my ability to obtain new credit or any other transactions regarding such. I would like to exercise my right under 15 U.S. Code 1681n & 1681o for the damages acquired, i am seeking compensation on {$1000.00} from each company I have sent my letters in to the following companies with a notarized affidavit of truth attached as well, after Composing the letter and sending them out on ( XXXX ). I have still heard nothing from any of the companies, Please help me receive the compensation i deserve XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX 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: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There is a inquiry on my report I do not recognize from Barclay 's with the pandemic and all why are some companies posting applications, please remove this inquiry from the XXXX report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79902
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX VA XXXX Has sending me collection notices in the amount of 2600.The collocation has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A