Date Received: 2021-03-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is specific to the reporting, this Data Furnisher is supplying and then, within the controls define in XXXX - and, in concert with FCRA and the FDCPA. Complains have been file with the CRA 's to no avail - so, we are here and in full concert with FCRA and the FDCPA. I am a bit of a techie - so I care about DATA and then its reporting, and in line with XXXX and its ruling Life - happens, but when it does - all I ask is that whoever can say - gets it correct. For all that that is worth - Barclays is governed by its report, its accuracy and as a DATA FURNISHER in and under FCRA and FDCPA. Your tradeline - is incomplete and inaccurate. I use the example of your kid coming home with a report card - where the name is incomplete - the scores are a bit washy, and then the semester details are not even present. This is across the CRA 's - the attachment is from XXXX, but - XXXX, XXXX and XXXX are in this scope - as is any entity that you as a DATA FURNISHER send your data - and about me. The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it. In any - ANY tech world - comments are never used to store/program/calculate - when there are intended fields to store and demonstrate its intended usage - the same is true for your testing and your methodology of validation and verification. Understanding that -- - here are your reporting issues, mind you - this account is actually closed/charged off 1. Account numbers are NULL ( BLANK ) 2. Description of the ACCOUNT - is " BARCLAYS BANK DELAWARE ( CLOSED ) '' 3. There is NO " CLOSED DATE '' - its NULL and as a result 4. AVAILABLE CREDIT is = Credit Limit 5. DEBT TO CREDIT RATIO - is calculated on your erroneous data 6. PAY/BAL/RAT - details are inaccurate and incomplete 7. XXXX is unnatural - and impossible 8. No TERMS exist with a CLOSED account 9. Your CHARGE off <> Amount Past DUE 10. DATE OF LAST ACTIVITY =? 11. DOFD/FCRA date doesn't and can not be validated and based on your reporting 12. Tech standards DO _ NOT use comments to calculate and as part of algorithms.. 13. Creditor Classification is UNKNOWN - even when you know what you are See the attachment - this complaint is across all CRA 's. The request is simplistic - please fix this tradeline so that it is inline with mandates - or, delete it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07901
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclay Visa with XXXX Rewards. They did not apply payments to my account. Also, they refuse to furnish statements or provide account information. Im blocked from my account online. I can not view a history such as balance, payment etc. Ive made XXXX calls but they refuse to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
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: Barclays Bank XXXX and XXXX XXXX collaborated against the facts, then destroyed my credit reputation which brought numerous consequences and scammed me {$120.00}. On XXXX we called XXXX to contain cockroaches in the kitchen. After we saw an advertisement with {$50.00} discount, guaranteed protection ( tXXXX promise ) and no-contract ( no commitment ) at all. Which means if our pest problem is not resolved on first service we have an entire 3 months with no extra charge to have our concerns addressed. Also each time we are due for a service we get to decide whether to withdraw or continue to with the service. XXXX There were 2 other members of family besides me listening our conversation with XXXX sales personnel. ) His exact words were NO CONTRACTS, QUIT ANYTIME and for the payment ; the sales personnel words were ; WE ONLY PLACE CHARGES AFTER YOU WISH TO CONTINUE THE SERVICE AND AFTER WE RENDER SERVICE. he also offered us a free exterior service and free termite inspection but None of the offers were rendered. On XXXX XXXX sprayed chemical to abolish cockroaches ( PRIMARY CONCERN ). After a week the cockroaches in the kitchen were twice as bad. we contacted XXXX they visited us on XX/XX/XXXX. But theyve done nothing instead they looked at the problem and tried to sale a different service not related to our concerns ( TERMITE ). We told them fix this first then well consider it. Until XXXX we kept waiting, XXXX was nowhere near. I was thinking about forgiving the {$120.00} and continue a happy life. But on XXXX XXXX XXXX placed a charge of {$110.00} without my authorization also 6 days prior to our due date. Before addressing my concerns. Before fulfilling their promise. I called customer service and told them I have not recognized this charges so refund my money immediately. But I was laughed at and treated like a fool. They told me to wait a call from the XXXX but that never happened. After waiting a week or so I contacted my credit card issuer BARCLAYS BANK XXXX and disputed all transactions from the merchant ( XXXX XXXX XXXX. Also replaced my credit card with a new credit card number. On XXXX BARCLAYS BANK XXXX closed the dispute in favor of the merchant ( XXXX XXXX XXXX after the bank received a copy of RECEIPT from the merchant. Which I have never received from the merchant or have no idea about. In XX/XX/XXXX I opened a credit account with BARCLAYS BANK XXXX and a {$0.00} liability protection against unauthorized transactions was included. I closed the account on XX/XX/XXXX because of BARCLAYS BANK XXXX failure to fulfill on their promise. Afterwards BARCLAYS BANK XXXX continued to report BALANCES, LATE PAYMENT ... etc for more than 7 months on a closed account which ruined my financial health in many ways. And also violating The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified the following to be the consequences of BARCLAYS BANK XXXX inaccurate reporting : - 1- increased auto loan rates 2-decreased fico score by more than XXXX points 3-credit card APR increase 4-credit card term amendment 5-auto insurance increase All of these have been documented ( attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
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: Up until XXXX I paid for a storage unit using my Barclays Mastercard. I had auto paid in XXXX, then toward the end of the month I went to the center and changed the auto pay. I decided to start using my Visa card instead. On XX/XX/XXXX I got a late notice from RCI via email. First of all, it was autopay. Secondly I always pay on time, on the XXXX of the month. I contacted them, explaining the situation to XXXX. At the time I thought I had been double billed which didn't make sense. He said that there was no scheduled payment for XXXX and wanted to know how I had processed the payment. I told him again that I was no longer using this credit card, that I now pay with a different card, and that I should not have been billed. he kept saying that I owed {$130.00}. I told him that I was disputing the charge, disputing the late fee and the interest. XXXX said he would waive the late fee and interest charges but I still owed {$100.00}. Told me to contact the merchant the next morning to issue a refund on my account. That it was on XXXX XXXX that I got charged. He stated that once Barclays received the credit it would reflect on my account and satisfy the current balance. Also said that I could contact the dispute department if I got no response from the merchant. XXXX. I went to XXXX XXXX and XXXX at XXXX XXXX XXXX assured me that they did not double bill - they only charged my Visa card for XXXX. I duly reported this to the Mastercard company on XX/XX/XXXX. I was told to call the dispute department, who doubted my veracity. By now it is XX/XX/XXXX and I keep getting robocalls at all hours stating that my card is overdue. I don't have timestamps on my home phone so I can't detail the times. I can state that sometimes it was as early as XXXX in the XXXX. I have XXXX, so every time the answering machine beeps, it wakes me. I changed my contact number to my cell but it didn't stop the robocalls. I finally started turning off my phone when going to sleep. Called again XX/XX/XXXX. No live person available. I returned to XXXX XXXX XXXX. The manager gave me copies of my past billing as well as a signed note stating that they did not bill Mastercard after XX/XX/XXXX, and provided the paper showing that I paid in XXXX with a Visa card. I sent all of this information via XXXX which arrived date stamped XX/XX/XXXX. I contacted Barclays again XX/XX/XXXX because the calls and emails would not stop. Spoke to XXXX # XXXX, asking to speak to a supervisor. After being on hold I was told no supervisor was available. I immediately called the billing dispute department - same thing. No live person with whom I could speak. The phone calls finally stopped but I still get daily emails stating that I am behind on payments, that I can use my tax refund to get back on track, or to explore ways to get my account up to date. As recently as yesterday. This is exhausting and I am tired of dealing with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
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: In XX/XX/2021 I looked in my XXXX statement and saw that I had a charge of {$430.00}. I called the credit card company as I know for certain this is fraud. The credit cards were not activated and they were only used once when I opened the card and I never used the card again. My statements can show that. I called the company and they ran the investigation. After about a month I received a letter in the mail that the charges are accurate. I was upset and called them again to see who I can speak to as this CAN NOT be accepted. They ran another investigation which I did not request and freeze my account which is fine because I dont use the account at all but they will not dive further to see that I did not make this charge. I called the merchant and the parent company confirmed it is fraudulent but I have to run the investigation with specific merchant and they sent the email for me to do. I submitted the information to that specific merchant in XXXX and they said that I should check my email addresses to confirm the charges. I DO NOT and have not authorized nor submitted this charge and I dont understand why they are not able to help in removing the fraudulent charge!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I currently have a credit card from " Barclaycard, Visa ''. On XX/XX/XXXX. 2021, I paid the account balance of {$1000.00}, which is what showed was due " on line '' and the automated system, that was confirmed with the representative. The amount was paid and posted on this same day. On XX/XX/2021 ; I found another charge of {$18.00}. I called the company and spoke to XXXX. I inquired about the charges and why the available balance had been dropped and continues to drop despite my high credit score? I am completely concerned about this company and their ethical business practices. I am a person who pays my bills on time or before they are due. Whenever I have paid the balance off, the next day or before the next bill is due on the XXXX of every month, I find this company has yet another charge on the account. When contacting the company to inquire why this continues to happen? I am given the excuses of it's the " Interest '' that was not paid. I asked them how can that be, if I paid off the account before the due date? I was given an excuse " because the interest is not added until after the billing cycle due date. I paid this bill in full the day before it was due, I inquired where Did they get the amount of money to charge yet another charge of {$18.00} on the next day, the day the payment was due? Then they will use the excuse that the Interest rate is based on the APR ( which I currently have a high score ). When I asked why my available balance had been dropped? I was told it was based on my APR and how much I currently owed before I paid them off. I have always paid my bill balance or requested payment by or on or before the due dates. I believe this is just another way for this company to STEAL from their customers. When I asked the Rep/XXXX, where the main office was, I was told it was in the UK. I asked about the address, I was told to look it up. Companies that continue to do business in this manner, I feel are allowed to RIP off their customers who work hard to pay their bills. At this point I am concerned as to how many more people are being ripped off? I am filing a complaint based on Unethical and Unlawful business practices '. I not only want them investigate but charged for the crimes, these companies are allow to continue to do to their customers who continue to pay their bills on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
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: The credit card has been closed since XX/XX/XXXX. The remaining balance has been paid. This closed account has remained on my account for almost 10 years. Its been paid in full since XXXX. Ive experienced several hardships from the time the account was open until the account was closed. Ive requested to have it removed as there no longer is a balance and it is hurting my report. During the time the account fell delinquent I was unemployed and also facing other hardships so I was unable to make payments to this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The Barclaycard US claims that it gives direct statement credits for travel related expenses, which they list to include hotels, air fair, car rentals etc. They used to actually give these rewards. Now they have stopped giving them with the excuse that the charges aren't 'coded ' properly. However they do not say what the correct code is, they can not tell me what the wrong code is and the the vendors I have talked to about this say that they have no idea what the card company is talking about because they aren't coding their charges any differently. I've had many examples of this happening, but to give just one : on XX/XX/2021 I stayed at the XXXX XXXX XXXX XXXXXXXX in XXXX MT. Clearly this is a hotel. Yet the charge wasn't credited for the rewards category. I called customer support and they gave me their now standard nonsense excuse about the coding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55407
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a request to have this card removed from my credit report as I do not hold this card. I was a authorized user and not the account holder. I have no financial obligation to the card and want it off my credit immediately per the Fair Credit Reporting Act guidelines ( FCRA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A