Date Received: 2021-04-14
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The following personal information is incorrect Account Number : Former : XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of identity theft and I have included an FTC report. Please remove 6. Please validate. The late payment status is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 7. Please validate. The late payment status is incorrect XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. Please validate. The late payment status is incorrect XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 4 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10543
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer from Barclay Bank / XXXX XXXX Mastercard on XX/XX/2021 to upgrade my card to the XXXX Plus account. The morning I received it I clicked on the link and it would only take me to the homepage for the credit card. I called and spoke with a supervisor XXXX XXXX XXXX who asked me to forward her the offer ( which I did XXXX. She agreed it is a definite offer and their mistake ( that the link does not work ). And that it is not right to be offering me something and not delivering on that offer. She was going have a case opened and most of the time they honor it in the end. Well, that is not the case here. I called a couple times since then and was told " they are still reviewing. '' Finally I called this morning and was told, " That offer is no longer available so I am unable to receive it. '' I got really upset because that was a convenient response for them to not have to honor it. I did try the MORNING I received it to accept the offer and have been waiting OVER A MONTH for their response to my claim. This is NOT OK. I have everything in writing. I pay my monthly bill in full and a lot of times EARLY. I am a VERY good customer! They can't just do this to people and get away with it! FALSE ADVERTISING is against the law!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Credit Card Product : XXXX XXXX XXXX. First Issue : This card has a " Round Up '' Program where they will round up your purchases to the nearest dollar, add to your account balance, and send that extra " rounded up '' amount to your XXXX account. The terms explicitly state that there will be no interest charged on the rounded up amount. However, if I made {$500.00} of purchases, and had {$200.00} rounded up ( for a total balance of {$700.00} ), if I paid the {$500.00}, the credit card would still charge me interest! Second Issue : They previously had a program where you would get a 15 % bonus on all your rounded up amount. I made purchases on this card relying on this 15 % bonus. I got a notification at the end of XXXX that starting XX/XX/XXXX, they would be discontinuing the 15 % bonus. When I checked my latest statement ( ending XX/XX/XXXX XXXX, I did not receive the 15 % bonus for any of my purchases in XXXX. It was a change to the rewards program that was retroactive and without notice!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90027
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
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/2021, my husband and I stayed at the XXXX XXXX and XXXX in XXXX XXXX, XXXX for three nights. At check-out on XX/XX/XXXX, we paid cash XXXX XXXX XXXX for our stay. The desk clerk had already charged my credit card without previously informing us. When we realized the error ( at check-out ), we asked for a credit to my credit card which the hotel gave us along with a paper credit receipt with authorization code, etc. The credit did not appear on my credit card and I inquired with my credit card company as to when this credit would appear. They indicated that they had no record of a credit from the XXXX XXXX. I waited the required two weeks, I contacted the vendor ( XXXX XXXX in XXXX XXXX for additional documentation, and I filed an online dispute with my credit card company by uploading my credit documents. Over the past few weeks, I have spoken with several customer service reps at the credit card company -- they assured me that the matter was being handled. On XX/XX/XXXX, I received a letter from my credit card company stating I would not receive a credit because I had not provided any documents, and the case was closed. In my phone conversation with a service rep on XX/XX/XXXX, she stated that this was their error, bu there was nothing she could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess Barclay bank has made! 1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from Barclays again. The statement Being doctored many times by your agents it appears. 3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
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 duplicate charge was made on my account on XX/XX/XXXX by XXXX XXXX in the amount of {$44.00}. I contacted the local XXXX store and they informed me that because it was purchased online, I needed to contact my credit card company. I have contacted XXXX XXXX XXXX Mastercard on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told to submit dispute online, which I did. Then I was given a phone number for the Purchase Dispute Dept. which I called. I was also, told I would get an email, which I did not. I requested today ( XX/XX/XXXX ) to speak to a manager and was told by 2 different people that a manager would return my call in 24-48 hours and then I was told 7-10 business days. I am not receiving consistent information and the company is not making ANY progress to the resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
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 awoke at around XXXX to find 2 fraudulent pending charges ( total of {$290.00} ) on my account. I called one of the vendors that was attempting to charge initially to give them a heads up that this was fraudulent activity. They advised to me that " this is a valid charge in our system and the order will be processed '', which was very odd. I told them that I was going to call my bank and they said " your bank will side with us '' and hung up. This is when I knew that they were part of the scam. I called the bank ( barclayscardus ) and advised them of the fraudulent activity. They told me I was all set and would not be responsible for the charges. Fast forward a few weeks and I received a letter that stated the charges were found to be valid. I called and spoke with several people trying to get explanations, but they just kept saying that their fraud investigations team determined these to be valid. I asked for them to provide an IP address from where the orders were made, and they would not provide that. I asked for the evidence that made them determine these to be valid, and they just told me the vendors provided sufficient evidence. I also provided them with a timeline and a dark web scan showing my identity stolen. These charges were not authorized by me - and I will swear to that under oath. I was sleeping while the transactions were processed, which can be verified by my wife. I need help on how to resolve this as I feel strong armed by this company now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
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/2020 I placed an order for a furniture Set ( 6 ) pieces for {$2700.00} with Merchant XXXX using my Barclay 's Bank Master Card Account. In XXXX I received only a partial delivery of the furniture ( 4 ) pieces from the Merchant who notified me that the other pieces of the set were now backorded due to COVID impact on production. I filed a dispute with Barclay 's to delay payment of the set until we could verify that I could receive the entire set. Barclay 's removed the charge in XXXX while investigating, but then returned the charges in XXXX stating a refund could not be made by the Merchant. I contacted XXXX in early XXXX and we discussed the item was still in backorder so they should pick up the ( 4 ) items and cancel & refund the order. XXXX Agreed and I have attached the documentation. XXXX did pick up the ( 4 ) items and issued a refund on XX/XX/2020. Barclays was notified by me throughout this process and provided ALL documentation but never issued the credit. To date, this transaction was never completed, the order canceled & refunded by the Merchant - however Barclays is still billing me for {$2700.00} plus late fees and interest. I have faxed documentation to disputes on too many occasions to list. Emailed and called representatives. Mailed documentation to Barclay 's Home Office in Delaware to the complaints department and receive no response. The Account I hold with them remains in arrears due to their internal incompetence. See attached file which included refund and return confirmations from XXXX as well as written correspondence to Barclays. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Please see my previous correspondence for more information on this matter. Let me make this perfectly clear. My biggest concern here is not that I received or didnt receive your response. My concern is that there is still a close to $ XXXX fraudulent charge showing on my account even though I promptly reported the charge as fraud!!! I am requesting an immediate re-investigation and removal of the charge from my account under my rights under the FCRA. I am scheduled to make a payment on this card for over $ XXXX on XX/XX/XXXX and I do not have the funds in this account to cover a FRAUDULENT CHARGE OF THIS INSANE AMOUNT! I will provide any documents necessary that you require for the re-investigation of my whereabouts or what have you to prove to you people that this is fraud.This is really getting ridiculous.
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: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Hello. I have a hard inquiry at XX/XX/XXXX from XXXX. I see it today for the first time in my record. And Ill se that I have incorrect ssn number in report that was from this inquiry. But I receive my ssn number XX/XX/XXXX And now because of this error I have hard inquiry that I didnt do. Incorrect ssn number in system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A