Date Received: 2021-04-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a savings account with Barclay. Before they opened my account, they asked identity verification documents including state ID, SSN and bank statement for the account I used to open the account. After submitting the documents, they approved my account. I added two additional accounts of mine. Then they blocked my account and asking for further verification documents. I was waiting for trail deposit to arrive in my external accounts to verify them before they suspended my account. Now they say they can not verify ownership of those accounts, which is ridiculous. I already submitted enough documents to verify identity. They are unreasonably requesting further documents. I would be willing to comply if there were justifiable reasons for that, which I don't think there is. I think they are abusing the process and targeting me because I'm XXXX and because of my name.
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: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop. When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked. They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment. I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense. This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement. Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. Which brings us to XXXX, XXXX. We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes. I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a balance of {$15000.00} with Barclays Bank Delaware. This debt was transferred over to XXXX XXXX XXXX in XX/XX/XXXX. I made an agreement with them to settle the total balance for less. The settlement amount was for {$4600.00} in 3 installments of {$1500.00} as follows : due dates : XX/XX/XXXX {$1500.00}, XX/XX/XXXX {$1500.00}, XX/XX/XXXX $ XXXX these were to be AUTOMATICALLY deducted from the bank info I provided them. See attached agreement letter and first payment deducted from my bank. They deducted the first installment. Mid agreement they sent this debt back to Barclays Bank Delaware. For some unknown reason they refused to deduct the other 2 payments. I contacted Capital and they stated the account was no longer with them and I have to contact Barclays, when I contacted Barclays they gave me the runaround and told me the account was with XXXX XXXX. I had no other choice but to mail Barclays the 2 payments, with a letter of explanation ( see attached ) that they did not deduct, in the hopes that they will accept it. They ended up taking those 2 payments which should've then satisfied the balance as per agreement with XXXX XXXX, yet they still claimed I had an open balance minus the difference of the 3 payments made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Recently worked with XXXX XXXX XXXX in XXXX to resolve a debt with Barclays for 50 % of the balance. The payments were made timely and as agreed. Upon the final payment my credit file was to be updated. I recently received a notification in my credit report that Barclays updated on XXXX of the balance was paid in full and has not changed the current status to paid and balance as XXXX. I have filed a dispute before and this was the update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Barclays Bank Delaware constantly calls me late at night and demand I resolve this debt. This company is not licensed in the State of Indiana to collect debts or any collections. Please see the attached file describing the search and no data found for this company. This collection agency is violating State Licensing Requirements
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
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 me and other 500 clients were scammed by XXXX XXXX XXXX XXXX XXXX. They promised to render services as of the date the purchase and contract was made, they never did. The services were for them to open up my XXXX business, administer my business, and file any other paperwork on my behalf and they would also get paid 30 % from my earnings. My XXXX business was opened until XX/XX/XXXX and I did all the filing they never helped me with none of that. They only provided brief information on what I had to do to open my XXXX. Their service fee was XXXX plus XXXX to a " lender '' who told me I he would help me get approved by credit card companies. This lender by the name of XXXX XXXX and XXXX from XXXX worked with the XXXX to get people approved within 30 to 45 min. Later on I found out they were also charging these fees to get extra money from customers. I got approved for XXXX {$11000.00}, XXXX {$10000.00}, XXXX XXXX Bank {$5000.00}, and Barclays {$4000.00}. My XXXX business was only up from XX/XX/XXXX till XX/XX/XXXX I notified my cards after I saw that my business was put on vacation mode for far too long with no explanation. I later found out by another client that the 4 owner/managers of the dropshipperz were suing each other. XXXX who was in charge of managing all orders for each store had stolen our personal information as well as card information. Later on XXXX, one of the owners posted on a XXXX group what was going on between them. He only put out that all stores would be put on hold. Most of the clients and myself did the buy back provision before the deadline and never received our money back. I only got the response from XXXX saying he could not sign the document to give back my money because he didn't have anything, to speak to his lawyer. He later on explained that they were suing XXXX to get all customers paid for since he had been stealing all the funds. I provided all information that the credit cards needed from me and made a dispute and they told me they could not help me since it had been more than the 60 days. I understand its more than the 60 days but these people promised me and signed contract which they fail to fulfill. As to what I understand these four credit card companies were contacted by them so I could get approved. I do not have the funds to keep paying for a debt that I got scammed and never had full service rendered to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX RE : NOTICE AND DEMAND TO VERIFY ALLEGED DEBT To Whom It May Concern, This notice is in response to my recent request that Barclays Bank Delaware verify items on my consumer report that resulted from Identity Theft. Per the results of Barclays Bank Delaware investigation, I received correspondence via mail that the alleged debt was verified. However, per my request Barclays Bank Delaware has failed to provide me with any legal proof that I owe a debt. By law, I have a right to request legal proof of any alleged debt or claim of debt pursuant to the FCRA and the FDCPA. Per my initial request, pursuant to the Fair Credit and Charge Card Disclosure Act I have a right to request full disclosure of the terms and execution pertaining to this alleged debt through direct mail telephone, and other applications and solicitations to open-end credit and charge accounts and under other circumstances. This is a second request for Barclays Bank Delaware to provide such verification in order to substantiate their claim. Be advised that copies of statements do not constitute legal verification in which, the Black Law Dictionary 6th Edition defines, verification as a means to confirm and substantiate by way of an affidavit or oath sworn to under the penalty of perjury. Therefore, Im requesting that legal verification of this alleged debt be provided to me at the address provided. If verification of the alleged accounts XXXX affidavit or oath sworn to under the penalty of perjury ) is provided to me via mail, I will require 30 days to review and verify the documents ( original documents or certified copies only ) pursuant to U.S. Code 1692 ( g ) ( 4 ). In addition, until the requirements of the FDCPA have been met and your claim is verified, you have no authority to continue any collection activity and you will cease and desist from contacting me except via mail. Furthermore, please be advised that any reporting of accounts on my consumer credit report without legal proof of debt is a violation of the FDCPA and FTC and I will pursue all legal actions and remedies afforded to me under State and Federal law against Barclay Bank Delaware. This is my attempt to operate in good faith and with clean hands to clear up any confusion in this matter before taking any further action. Upon completion of your reinvestigation please provide any and all legal proof of any alleged debt or claims to a debt. If proof is not provided then these accounts must be removed from my consumer credit report. Thank you for your prompt consideration of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already reached out to the credit bureaus and to BRCLYSBANKDE for the account number XXXX and XXXX and notify them of their error posting for this account. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and 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 had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
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 purchased coins from XXXX XXXX in an online auction. When the coins came in, they were counterfeit. The terms and conditions state : All items are sold as is where is without warranty or guarantee. It is the bidders ' responsibility to verify the integrity, condition, and Authenticity of all goods before bidding. We do not test or verify any items sold in the auction. However, the seller user terms state : You represent and warrant that any Listed Item ( s ) placed by you : are owned by you, or you have the legal right and authority to sell such Listed Item ( s ) on behalf of the legal owner ; are free and clear of any and all registered and unregistered liens, security interests, tax or duty obligations or other encumbrances or contrary claims whatsoever, except as expressly disclosed by you within the applicable listing ( the " Encumbrances '' ) ; are in good operating condition, free of material defects, except as disclosed by you within the applicable listing ; have not been modified or tampered with in any manner that would be contrary to applicable legislation or misleading to a Bidder, including, but not limited to, tampering with emission control devices ; have not been fraudulently obtained, and are not stolen or counterfeit ; They are required to represent and warrant items are not counterfeit. This information is located in the auction information with XXXX XXXX logo and name on the document. Since they are required to represent and warrant the items are not counterfeit, they are not permitted to change that in the terms and conditions. The coins were purchased on XX/XX/2020 in the amount of XXXX XXXX Dollars. Barclay has so far agreed with the seller saying the terms and conditions override the fact they are required to represent and warrant items are not counterfeit. XXXX XXXX agreed to represent and warrant all items are not counterfeit and since they don't set the auction requirements, they can not make changes to the requirements in the terms and conditions.. I have communicated with XXXX XXXX and Barclay Credit Card about this issue and have requested a refund, but up to this time have been denied by both companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I was laid off from my job due to COVID in XXXX of XXXX and have only just gained employment to begin XX/XX/XXXX. I kept all my bills paid but was struggling. Barclays offered a program to delay payments for 3 months ; as long as you are current on payments a current status will continue to be reported. I made a payment and first applied in XX/XX/XXXX. One odd thing to note was they did not provide a confirmation you were enrolled. I remember feeling frustrated, but I was grateful for the relief. On XX/XX/XXXX I was checking my accounts and noticed I have a late fee for my XXXX payment. I contacted them and they said they don't have me in the program nor could they find a record of speaking with me. This was very frustrating. I was trying to do what I should to keep my credit in a positive standing and communicating with them openly. I was told I had to be current to be enrolled so I make my payment for XXXX, ask for the late fee to be removed ( couldn't be since it won't show up on the next statement? Seemed fishy ) I'm enrolled once more. I have to listen to the long script again. Again, no confirmation email. XX/XX/XXXX the exact same thing happened again. I submitted a complaint through their site demanding a manager reach out to me to resolve the matter. On XX/XX/XXXX I am once more enrolled in the program. I told them I had zero faith that it actually went through, but I found was still reporting current in XXXX, XXXX, and XXXX. I received an email on XX/XX/XXXX that my relief had ended and my payment was due on XX/XX/XXXX. Great, not a problem. XX/XX/XXXX I received another email to call about options and suggesting I use a tax return to get back on track. XX/XX/XXXX another email saying the same. Another email on XX/XX/XXXX repeating the information. Then they began calling around 4-5 times a day. Today, XX/XX/XXXX, I answered the call and the man on the other line from Barclays said my relief had ended on XX/XX/XXXX and I was past due and was trying to get a payment. I explained that I understood that based on the email and my payment wasn't due until the XXXX. I hadn't pulled up the email to confirm yet, but he insisted I needed to make a payment. Feeling very frustrated over being harassed, I retrieved the email to read word-for-word what it said and that in plain black and white he was indeed harassing me. I kept my records and knew that they were within the number of times they could call me. However, they should not do this until after the due date. He asked for payment and I told him would pay through the application prior to the XXXX. He asked how much I'd be paying. I told him I'd pay at least the minimum and would be paying it off as soon as possible. The balance only remains because I was laid off due to COVID. I requested they no longer contact me by phone in the future. Now in the past, I had excellent payment history and only had issues when they failed to enroll me in the program THEY advertised MULTIPLE times. Their treatment and handling of this situation is wrong and is harassment. Barclays has taken a situation that could have earned them accolades in their approach, but instead have made an incredibly stressful time in my life even more so. I've attached screenshots of the email and my account showing that I don't have a payment due until XX/XX/XXXX and my showing the balance is not at such a level that would warrant this aggressive approach. I would pay completely in full if that was an option, but obviously, my income was disrupted. I have had XXXX income during this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A