Date Received: 2021-04-06
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 found out that there was a fraudulent account opened in my name through Barclays Bank Delaware on XX/XX/2020 in the amount of {$8200.00}. This account was not opened by me and I did not make any of the purchases. My spouse opened several credit cards in my name amounting to debt of {$21000.00}. When I discovered these accounts I called each credit card company and also filed a police report. I have been trying to get this resolved with Barclays Bank since last XXXX and I keep getting the run around from this company. My credit score has dropped almost 200 points because this account is showing delinquent on my credit report. Once I filed for divorce XXXX XXXX stopped paying for the credit cards he opened without my knowledge. Barclays is not addressing the problem or investigating the problem and it is ruining my credit. I have given them the police report details and everything I know regarding the identity theft, I am not sure what else to do every time I call I am on hold for 30 mins to an hour and transferred to various departments, but never get a straight answer or any real help with the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I applied for a credit card with Barclays bank via XXXX XXXX. I was not aware that I was approved since I never received a card, activated anything, or make any purchases. I then was charged for maintaining the credit card that I never used, I disputed it with barclays bank, corrected it, and make the account up to date. I requested the late payment history be removed from the account since it was on an account that I was unaware was active until I noticed the detriments to my credit score but have not heard back from credit bureau. I'm requesting the negative history for this account by removed from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Called numerous times credit report agencies and the Barclay credit card company account ending XXXX, make disputes. On XX/XX/XXXX XXXX answer to my dispute that MISSED PAYMENTS WERE REMOVED FROM YOUR BARCLAY ACCOUNT. After a while this Barclay is reporting my account being XXXX used and i delinquency. Made again a dispute today with Equifax and their fraud department told me to make a complaint with CFPB. Also, I called credit card Barclay today XX/XX/XXXX told them they PROMISE ME MY NEGATIVE INFORMATION WILL BE DELETED ( CALLED ESCALATION DEPARTMENT ON XX/XX/XXXX IN XXXX after I waited more than XXXX hours to speak with a supervisor ) but, have to give them few days because my account was transferred to a third party company and is in PENDING STATUS AND SHE CAN'T DO ANYTHING WHILE IS PENDING.. THEY TOLD ME TO SEND THEM A LETTER ALSO because they have their own dispute department. The third party company name is XXXX XXXX. XXXX XXXX didn't reported any negative information to my credit report. ACTUALLY BARCLAY CREDIT CARD FRAUDULENTLY TRANSMITTED EVERY MONTH THIS NEGATIVE INFORMATION AFTER PROMISING ME THEY WILL DELETED more than year ago .... Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an account with Barclays through the XXXX XXXX Credit Card program in XX/XX/XXXX. Due to health issues, I fell behind on payments resulting in the account being closed and charged off in XX/XX/XXXX. Since then, Barclays has continued to update my account status on my credit report as a C/O, like clockwork on the XX/XX/XXXXof every month. In mid-XX/XX/XXXX ( around the XX/XX/XXXX), I paid off the balance in full with their in-house recovery company, XXXX XXXX XXXX. Both Barclays and XXXX confirmed that the account had a {$0.00} balance. In XXXX, Barclays is now refusing to update my credit report and now claiming that they can not find my account / claiming there's a name mismatch despite having ZERO issues reporting the delinquent account EVERY MONTH since XXXX. For the past week, since I've paid off my account, I've been given nothing but the runaround and zero answers from Barclays reps who claim my account no longer exists or is mine. I find this unacceptable and basically feel like Barclays is holding my credit score hostage by refusing to update my report in a timely fashion ( if they even intend on doing it at all ), and multiple representatives either providing me with blatantly false or incorrect information. My account number is one ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
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 disputed a fraudulent charge on my account in the amount of {$9800.00} posted to my account on XXXX XXXX from XXXX. I filed a fraud claim on XX/XX/2021 and it took a XXXX complaint for you guys to place a provisional credit on XX/XX/2021. A few weeks later I received a letter from your team saying the investigation was concluded and that the provisional credit would become a final credit on the account. A few weeks after that on XX/XX/2021 you guys re- posted this fraudulent charge to my account. I am asking you guys to please re-open this case on my account and remove this fraudulent charge from my account as soon as possible as I have a payment due date within the next few weeks and I do not have the funds available to pay this fraudulent charge. If you would review my account you would see I have never spent more than XXXX XXXX or so dollars on this account. I have tried to contact this company multiple times and have tried reaching their so-called fraud team and have gotten nothing but hours long holds and inevitably being hung up on. Feel free to contact me to discuss this further. I have also faxed a copy of this letter to your team with no response.
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: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
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 opened a Barclaycard Ring Mastercard in XX/XX/XXXX and transferred a balance from another card to it. I then paid off the card over a period of just over a year until the balance was paid off in XXXX of XXXX. I never made any purchases on the card and did not transfer the balance to another card. All I did was make a single balance transfer to the card in XXXX of XXXX and then pay the balance off over the period of XX/XX/XXXX to XX/XX/XXXX. However, I still received a fradulent charge on the account at a website called XXXX in the amount of {$19.00} on XX/XX/XXXX and then another for {$4.00} on XX/XX/XXXX. I did not make either of these charges, and since I made no purchases on this card nor did I transfer the balance to any other cards, the only other party that had this credit card number was Barclays. As such, it would appear that Barclays themselves had a data breach of some type that allowed the fraud on my card. I discovered the issue in XXXX of this year and Barclays did reverse the charge, but I do find it concerning that they would have a security lapse that would allow my credit card to be exposed to whomever committed the fraud. And if Barclays leaked my card number to malicious parties, how many other card numbers were exposed? It seems unlikely that only my account and card number was involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
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: I booked a group vacation with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was scheduled to travel to XXXX XXXX on XX/XX/XXXX. I made the following payment using my Barclays Bank Delaware credit card, ending XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX postponed my XXXX XXXX XXXX via an email on XX/XX/XXXX due to XXXX travel restrictions. They gave me a new trip date of XX/XX/XXXX. *Please see attached email postponing my trip and moving me to a XXXX date in XXXX *Please see the attached XXXX XXXX receipt of payment with the confirmed dates of trip XXXX XXXX went bankrupt on XX/XX/XXXX. It was at this stage I became aware that I would not receive the services that I paid for. *Please see the attached email sent to me by the insolvency practitioners, XXXX XXXX XX/XX/XXXX, informing me of the administration. Under the Fair Credit Billing Act it is my right to claim a refund when the service I paid for is not received due to a company 's bankruptcy. I attempted to open up a chargeback dispute with my XXXX credit card, using the goods or services not provided code - XXXX for XXXX XXXX has refused to open my claim on the basis that it was past the time to do a normal dispute My bank is wrong. The time limit for making a claim should start from the date you were expecting to receive the service/trip not from the purchase date, given you are buying something to be delivered in the future. In my case this date should be my new trip date of XX/XX/XXXX. Alternatively, they may use the date I found out that I would not receive the trip ( XXXX XX/XX/XXXX ). XXXX claims that on chargebacks there is normally a XXXX day limit, but this can be extended to XXXX days if the services were to be provided at a future date. So, for example, a vacation. I first tried to dispute the charge on XX/XX/XXXX via letter as XXXX said the only way was to mail information. I called XXXX on XX/XX/XXXX for a XXXX time and they said the original letter that I sent months ago can not be found. XXXX does not know what happened only that it must have been lost. So I am resending this information for a dispute of a charge last year. XXXX XXXX XXXX Department XXXX. XXXX XXXX XXXX Delaware XXXX I finally got a letter back from XXXX XXXX saying the dispute was too old. I sent a third letter on XX/XX/XXXX XXXX I am sending this back to you for the XXXX TIME. As I stated in my documentation prior, the company is more than willing to give this back to their customers. They have codes as you can see in this letter for XXXX, where they are based. They have instructed us as Americans to go through our financials institutes to take care of it. You are supposed to cover me. I want a refund for my membership and this card canceled if you are not willing to properly dispute this {$300.00} transaction that was charged so long ago because it was for a prepaid trip. I also stated in my previous letter to you, and there should be multiple documented calls, that I sent this dispute with no response months before. I was FINALLY told by XXXX after calling multiple times that it must have been lost, sorry please send it all again. I am attaching a direct letter from the company, they are requesting us to get these disputed and get our refunds. And no where in this letter from XXXX do I see where it says you can appeal this matter as stated by the fair credit reporting act. XXXX XXXX again has ignored my letter and I they also charged me a membership fee when I requested in writing to close this account a refund my membership fee as well. I have been informed by the insolvency practitioners XXXX that all credit card paying customers should go to their banks for a refund. The XXXX Government backed XXXX XXXX XXXX are advising me to do the same via this letter XXXX : XXXX I have been informed by XXXX XXXX and the administrators for the company, XXXX, that I am not financially protected in any other way. *Please see the attached XXXX XXXX XXXX relevant to my booking *I have attached a copy of the flowchart sent to me by XXXX - please see the red box in the bottom right corner clearly showing that US customers XXXX not protected by financial failure insurance. I would like XXXX to open my dispute and refund me, in accordance with the XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: This is a follow up notification per the conversation I had with a Barclays representative from the Security department on Wednesday, XX/XX/XXXX @ XXXX XXXX CST where we identified that there had been fraudulent transactions in multiple locations and most appear to be outside of the continental United States. I now have conclusive evidence that there were multiple blatant, erratic and appear simultaneous charges all around the country/world in most of XX/XX/XXXX & XX/XX/XXXX. I see that the fraudulent international charges on my credit card have been corrected/credited however there are still two charges that were part of this fraud that were added to my current balance. I brought this to the attention again with a Barclays Account security/protection rep on XX/XX/XXXX at approximately XXXX XXXX CST. These charges are appearing as foreign/international and appear to be in connection to the stolen Identity/Stolen U.S Passport crime that I reported swiftly to the United States Department of State with the DS. XXXX report. Please remove these charges from my balance as soon as possible in accordance with the FCBA since this blatant fraud was reported on XX/XX/XXXX. The evidence of the unusual transactions outside of my spending area is overwhelming. Please ensure that stricter policies are implemented to ensure this never happens. The two charges are as follows : 1. XXXX XXXX XXXX {$120.00} 2. XXXX XXXX XXXX XXXX {$330.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I already reached out to the credit bureaus and to XXXX for the account number XXXX and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus XXXX 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 first-hand 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: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
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: 1. I was not late with Barclays XXXX XX/XX/2020. 2. I was not late with XXXX XXXX XXXX XX/XX/2020. I send all three credit report agencies copies of my bank statement Showing paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A