Date Received: 2021-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have interest charges, returned payment fees, and interest as well as 2 fraudulent charges I am attempting to dispute both from the company XXXX removed from my account. 1 that I was just recently made aware of was on XX/XX/20 for {$100.00} and the other is from XX/XX/20 for {$9800.00}. Both are Fraudulent charges that I am trying to get removed. I have sent you via USPS Mail XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Delivered Monday XX/XX/XXXX to your PO Box documents that have been marked up for these charges. This is NEW EVIDENCE and I have attached my letter that I sent along with these documents to this complaint. Additionally because you failed to put these charges on hold, my auto payment failed since I do not have sufficient funds to cover these fraudulent charges and I will not pay for them as is my right under the FCBA. Furthermore, if you attempt to report this non payment to ANY credit bureaus you will be in violation additionally of the FCRA. As a result I now have the fraudulent charges as well as a returned payment fee, late payment fee and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
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 have never used XXXX software, but in XXXX of this year, my credit card was used by someone else on the XXXX website. So I reported the problem to the credit card company. But credit card companies are unwilling to deal with this problem. They think its not a fraud. They only ask me to pay back the money as soon as possible. I am very dissatisfied with the way and attitude of the credit card company in handling this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
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: From XX/XX/2020 through XX/XX/2020 there were charges on my card that were not made by me or authorized by me. There was a XXXX account fraudulently made under my name and information and this card was used to purchase parking for those few months. I haven't used the card since XXXX and the charges accrued up to {$1000.00} worth of purchases not authorized. I filed the complaint with Barclay 's and they claimed I authorized the purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My husband and I both opened credit cards on the same date, to make a purchase from the same merchant on XX/XX/XXXX. The merchant is XXXX XXXX, which we now know is a subsidiary of, or at least directly connected to Barclay 's credit card. On XX/XX/XXXX we began the process of disputing the purchase and canceling the contract with XXXX XXXX. In XXXX of XXXX, my husband 's dispute was approved, his credit card statement showed a zero balance. My dispute, again for the same date, merchant and almost identical amounts, was denied. On XX/XX/XXXX, I was finally able to speak to a representative on the phone, XXXX, and was told to send a cancellation of the contract with XXXX XXXX. Canceling the contract was a very lengthy process, and in the mean time I made minimum monthly payments in good faith this would be resolved and so as not to affect my credit rating. I was very clear that this dispute was not closed. XX/XX/XXXX I obtained and sent a copy of the contract cancellation highlighting specifically " you will no longer have any further ownership rights and/or financial obligations pertaining to this contract. '' On XX/XX/XXXX I received yet another denial of this dispute, stating they " unable to obtain a credit for you from the merchant 's bank, and we must now consider this matter closed. '' I immediately responded that I do not consider this matter closed, and listed the reasons as I have below. There are several problems I have with this whole situation : 1 ) Why was my husband 's dispute approved and the balance erased, but mine was not? Everything was the same, exact copies of the dispute with different claim numbers and slightly different amounts, so why not both denied or both approved? The only differences were, possibly the employee who handled the disputes, and I am a woman. 2 ) I was given an explanation and told how to continue. I did exactly as I was instructed, but it was denied again. No way to appeal was explained or given either. I was told " continue attempting to resolve the matter on your own if you are still unsatisfied with the outcome. '' That is exactly what I am doing. 3 ) Is it a conflict of interest to arbitrate a dispute between a customer and your own bank? This whole situation is riddled with unfair business practices. I was told to continue to attempt to resolve this issue on my own. This is exactly what I am doing. If there are other steps that need to be taken, please send me the information. I have all email and letter correspondence, as well as notes taken from the phone conversation if required. Thank you for your consideration in this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
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 BANK DELAWA is reporting me late XXXX and XX/XX/XXXX and XX/XX/XXXX. I was never late ... I have a great history with them. They were unable to verify my inquiry when I asked for proof. I have asked multiple times. I have proof I paid on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a XXXX card in XXXX and had no problem receiving rewards in XXXX and XXXX. The credit card and rewards program is under control of a new bank, Barclays, I'm trying to obtain the recent rewards for a relative who will be attending college and the company initially said that I did not have an account. I gave the bank 's complaint line my current address, my previous addresses, the card number, etc. Then they responded that the account is in my husband 's name - which is not true. The bill comes to my name : XXXX XXXX XXXX. And when we pay the bill by telephone, we must use the last four digits of my social security number. This has been a demeaning experience, and we can only assume the company is balking at paying out more than {$2000.00} in rewards, gathered on our joint account ending in XXXX, as promised. We have an online XXXX account tied to the account ending in XXXX and the total rewards listed there is {$5.00} for the month of XX/XX/XXXX. As you can see from the two attachments, this does not include the {$2.00} provided in XX/XX/XXXX. My husband wrote a note requesting directions on how to access the account and there has been no response. Thank you for reviewing this frustrating and sexist situation. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and formerly at XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX same address! Recent correspondence : To : XXXX XXXX XXXX Dear XXXX , Thank you for checking on this. My name is XXXX XXXX XXXX and I'm married to XXXX XXXX XXXX who originally signed up for this XXXX account. We both live at XXXX XXXX XXXX in XXXX XXXX and used to live in XXXX, XXXX and XXXX XXXX. Our son, XXXX, is another name on this account. Please advise how we can gain online access to this account information, the profile and our rewards. Thank you again. XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Hello XXXX, The XXXX account is in your husband 's name. As such, we need for him to write in with any requests on the account. If you have any other questions please let us know. XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Hello XXXX, I apologize for the inconvenience. We are not able to locate an account with your name but using your address, we were able to locate an account under someone else 's name that was opened in XXXX. Is it possible the account is under your husband 's name? If you can confirm this please let me know. Thank you for your patience. I'll be on the lookout for your reply. XX/XX/XXXX, XXXX XXXX PDT This is my third note - and obviously the respondents are not reading my notes. I provided the original email address for my XXXX account : XXXX. As explained, I no longer work there. I provided the account number and my address is the same as when I redeemed rewards in XXXX. I've had this XXXX account since the year XXXX or so and I'm going to contact the XXXX XXXX XXXX with a complaint. You have my number and my address : XXXX XXXX XXXX in XXXX XXXX XXXX. When I began the account, I lived at XXXX XXXX XXXX , XXXX. It should not be this difficult to locate my account and awards. As I said below, the email address used initially was XXXX. Incidentally, all the emails went to the junk folder. Thank you, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, XXXX XXXX PDT Dear XXXX, Unfortunately, we were unable to locate a XXXX account with the information you have provided. To locate your account, please provide additional details such as your email address used to originally establish your account, or your mailing address, so that we may assist you. Thank you, XXXX Member Support XX/XX/XXXX, XXXX XXXX PDT This is the second time I'm writing. My previous email was XXXX, but I no longer work there. My upromise account is under my married name XXXX XXXX XXXX. The card number is XXXX XXXX XXXX. I'm trying to access these rewards for my niece who is graduating soon and will be attending college. Please let me know what I need to do to obtain these awards. I accrued the rewards in XXXX with none of these problems. I'm uncertain about the total but believe it's more than {$2000.00}. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48823
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank Delaware has been furnishing my account information to credit reporting agencies on an account that my father was the primary account holder and I was only an authorized user. My father passed away in XX/XX/XXXX and the account was closed in XX/XX/XXXX after I notified them that my father had passed while trying to have myself removed as an authorized user. Because the account became delinquent in the aftermath of my father 's passing, my credit report has been negatively affected since I am still listed as an authorized user despite the fact that I am not legally liable to pay the debt that my father accumulated. I have called Barclays several times to be removed as an authorized user and they tell me their Customer Service can't remove me from an account that is already closed. I sent a formal dispute to FCRA Credit Bureau Disputes, twice, and have received two letters from them, the most recent dated XX/XX/XXXX saying that the information they are reporting is accurate and that if I would like to be removed as an authorized user to call their Customer Service at ( XXXX ) XXXX. When I call this number Customer Service says they can't remove me from the account because it's closed, then they connect me to XX/XX/XXXX, who told me they also can't remove me from a closed account. I don't know what to do at this point, I keep getting the run around and just want to be removed as an authorized user on this now delinquent / closed account so it doesn't continue to negatively impact my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90732
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays rewards closed my credit card on late XXXX due to my balance on a competing XXXX XXXX high balance. When they closed it, it took months to get Barclay 's to send statements. They froze my ability to continue online paperless internet account access. Then I reported them to the OCC and I started to receive statements on and off during XXXX. They have continued to freeze online access on and off as well. Reporting my account late 29 percent of the time I want my history corrected due to their continued unethical collection actions. I have reached out to them several times, Paid the account off and they refuse to assist at all. I have 12 other credit card accounts with 7 plus year history and not 1 late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays credit card company reported a negative information to XXXX, XXXX, & XXXX without notifying me properly. Properly defines that they did not conduct a reasonable investigation regarding the reason for negative information which I clearly had a conversation with there representatives on Ref # XXXX which i warned that this needs to be fixed and 2nd time which happened again which damaged my credit report Ref # XXXX. On both Reference when they don't mail statements they assume people have received their statements. Then when they have an automated robot phone calling ( XXXX ), which after picking up phone theres no answer or live person to notify that this is a Barclays card services, people assume its spam and block the number. Then after all that they keep calling but now it goes to straight to voicemail which i have saved all voicemails total of 8 empty 4 to 130 seconds of BLANK messages ( Please listen to 2 of the attachment to file I have saved all voicemails on XX/XX/2021 to my computer in case i need it for proof. This voicemail was from XXXX on XX/XX/XXXX XXXX & XX/XX/XXXX at XXXX ). The only way this was solved is by me searching this phone number that kept harassing me by checking background reference through whitepages which then identified its connected to Barclays card services, and i had to call the number behind the card to speak to a live person and not silent robot calling services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank is reporting an erroneous late on my credit file. I have a couple accounts with Barclays and make sure to make all my payments on time. I have perfect credit and have never made a late payment. I called Barclays to make a payment on my accounts as i normally do and went on with life. When i checked my credit later i noticed i had a late remark for the month of XX/XX/21. When i called in to see why or where the late remark came from they advised that i made a payment late. I told them i didnt and to check because i called in to make the payment. When they reviewed they said the representative who helped me applied the payment to the wrong account and refunded the late fee. When i asked about the late reporting on my credit file they said there was nothing they can do. That is the most ridiculous thing i have ever heard of. How can they admit the wrong doing and missed applied payment but not remove it from my credit file? This late remark dropped my credit scores drastically. I have been denied financing due to Barclays mistake and it very frustrating to hear that the bank that ruined you credit can not help fix it. I need this late removed ASAP, it shouldn't be there and it still is and is affecting my financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A