Date Received: 2023-12-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company has not sent me a copy of the contract stating this account belongs to me. They have also added information to my credit file advising charge off being current since 2017. This has damaged my credit history and I need information to pursue the correct information legally. I have contacted them on many occasions and haven't got any information I need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone tried to open credit card in my name which affected my credit score. It was denied but still got applied to my credit score. How can I get ut reversed? XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99163
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email from XXXX XXXX that I was hit with a hard inquiry from Barclays Bank Delaware, and I dont recognize that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: BRCLYS BANK DE continues to report my financial account information without my consent. BRCLYS BANK DE and XXXX are financial institutions profiting off of the sale of my nonpublic financial information. Since this is my financial informatin being exploited I am entitled to see the accounting record between the two. Since both parties continue to report this information I am requesting yet AGAIN that this information be made availabe to see when was the last time this information was submitted and accurately verified. This account is not reporting with the other two credit bureaus which leads me to believe it is not validated or verified. 15 U.S. Code 1681e - Compliance procedures U.S. Code Notes prev | next ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes list ed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). ( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department. 15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I received a phone call from Barclays stating that my account is past due XXXX days. This account was past due XXXX days due to an annual fee that posted to my account. I received no notification whatsoever regarding late payment. Barclays ended up closing my account without me knowing. I paid all fees, penalties, and remaining balance. I requested paper statements and attempted to find out if my credit score was affected and whether my card could be reinstated. Representatives were unable to answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I enrolled in a debt repayment plan to responsibly pay my debt to Barclay 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. Barclay 's accepted my debt repayment plan on XX/XX/2023 ( see attached email from In Charge Debt Solutions ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/2023 ( see attached statement titled Barclay 's XXXX ), In Charge Debt Solutions paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because Barclay 's did not change my minimum payment due until XX/XX/2023 ( 4 months past the agreed upon new rate ). The monthly payment is now correct ( after I called Barclays several times ), and is paid directly by In Charge Debt Solutions. However, Barclay 's continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/2023, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on Barclay 's part by not correctly adjusting my monthly payment amount due in XXXX of 2023 ( after agreeing to the new payment amount in XX/XX/2023 ), causing my account to go past due in XX/XX/2023. This issue has destroyed my credit, which has always been around 700. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A purchase was made on the card, and the item was returned. Barclays did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX I have attached a photo of the latest letter and recording of my phone call. I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. contact XXXX and XXXX with communication. do NOT contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are 2hard inquiries on my account from barclays bank delaware on XX/XX/2023 and XX/XX/2023 institution info barclays bank delaware XXXX XXXX XXXX XXXXXXXX delaware XXXX ( XXXX ) XXXX ive never been to delaware or even heard of this bank ive filed police report of this as well when tried to call no answer left plenty o messages stil no reply
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: As an XXXX XXXX Barclays credit card holder, I scheduled automatic payments in the amount of the most recent statement to come out of my checking account monthly on the date the payment is due. This month, Barclays took out XXXX payments, in the amount of the statement balance of XXXX, at the exact same time on XX/XX/XXXX, the statement due date, instead of the one that they should have taken. I have screen shots of the transactions as well of how the payment was scheduled to have happened. I called them on XX/XX/XXXX and was great accused of making the double payment myself. When I explained that was not what happened, that I had a scheduled auto-payment through their online payment portal, I was then told by the first customer service with whom I spoke and her XXXX to whom my call was escalated, that I would have to wait XXXX billing cycles ( XXXX months ) for them to return the money they took without my authorization. When I told them that I would contact my bank to have the unauthorized ACH withdraw corrected, both the agent and the XXXX told me that if I did so I would be charged a return of payment fee. I called again on XX/XX/XXXX and spoke to another XXXX and was told the same thing. They verified that even though it was their error they could not return my money for XXXX business cycles. I asked for a higher level XXXX and was told I would have to wait XXXX hours for a call back. I was also told, again, that they would charge me a return payment fee if I went to my bank. I went to my bank today and they have reversed the charges for the second payment and the unauthorized payment of {XXXX} was returned to my account. XXXX filing this complaint because I believe that their refusal to immediately correct their error, their holding my money that they essentially stole from my account for XXXX months, and their insistence that they will charge me a return payment fee so that I can get MY money back in a timely manner is not acceptable and they should be held accountable for changing these practices that harm me, as the consumer, because of their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A