Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01720
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
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: On XX/XX/2020 two first class tickets were purchased with the Barclay Card XXXX rewards from the XXXX XXXX XXXX from XXXX for medical reasons. Because of COVID-19, we cancelled and rescheduled the flights knowing this was going to happen. The country started opening its borders again and I tried calling and tried to get in touch with XXXX being on hold for hours on end- then just two weeks before we were to take off they cancelled our flights meaning they bumped us out. Never mind that we purchased the tickets MONTHS IN ADVANCE. We then had to purchase the tickets from XXXX XXXX and we got to our destination. Prior to leaving we notified Barclay and they gave us credit back for both tickets. When we got back, we were refunded for one of the tickets. We are now being ignored to get the other one refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional offer for {$200.00} statement credit if I applied for Barclays MasterCard through Carnival cruise lines. I had trouble on website and called Barclays and Carnival on XX/XX/XXXX. They confirmed that they were having issues with connection. I completed transaction and woman told me shed Rush card at no charge. I received card on XX/XX/XXXX and contacted Carnival to switch balance as I was instructed by Barclays representative to receive statement credit. I made purchase within 90 days as explained to receive credit. I called Barclays back on XX/XX/XXXX to advise I didnt receive credit. Spoke with supervisor XXXX operator # XXXX which I think she lied. She refused to give statement credit as promised and also refused to play tapes back of my conversation when I asked. She flat out said theyre not going to play the call back. I told her then why record conversations for quality assurance. I told her that I was told Id receive the {$200.00} statement credit as long as I made purchase within 90 days even if purchase was a dollar. I was told Id receive points on XX/XX/XXXX when my statement closes. I explained that this is not what promotion was that its supposed to be statement credit. She again said about points and I ended my call. Dont trust Barclays!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
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 filed a dispute on some transactions. {$51.00} -- XXXX XX/XX/21 During the investigation process, I expected a temporary credit to show up. This did not occur. Instead, the transactions were kept on the statement and interest has showed up. This interest was never addressed. Instead, a rude customer service representative with a number of XXXX conducted instances of rude obstruction ( XX/XX/21 ). {$29.00} -- XXXX XXXX XXXX XXXX XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest. {$11.00} -- XXXX XXXX XXXXXXXX XXXX XXXX XXXXThis was never addressed even though I attempted to address this issue. The aforementioned rude customer service agent did not attempt to credit the interest that I shouldn't have received. It is within my rights to dispute transactions and not be charged interest on the transactions. They deliberately and fraudulently opened multiple disputes on the same transaction in order to close one of them without evidence and justify charging me interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I previously complained to the CFPB about this issue ( XXXX ) and the company has yet to contact me and they closed my complaint not researching or answering my questions. You commented on the additional XXXX but thats not the issue. The issue is that XXXX said the agreement was not honored as your company did not send over all the funds. Which is why I sent over a copy of the invoice that they gave me showing they only received {$50.00}. I did not end up taking this car due to the confusion with your company and theirs. Therefore I want the entire balance cleared on this card, {$190.00}. Which is the amount I paid ( supposedly paid your company ) for the car and the insurance which I didnt get or use because they said your Insurance was invalid, and the car was not paid for. Since you've taken so long to respond the bill is now due so I will pay the minimum to avoid credit issues, but this card was paid in full before this transaction, so I do expect a refund and all the interest removed as well. I will not stop complaining to the CFPB or any other agency until you make this right. I will no longer use this card or XXXX for this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: received emails stating my credit had been ran by XXXX XXXX XXXX and Barclays Bank but no further contact information was sent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2021, I sent a certified letter receipt requested to Barclays Bank Delaware due to their erroneous reporting on my closed credit card account. I paid for credit monitoring in XXXX, and was shocked at how haphazard and erratic their reporting was - multiple reporting of late payments on one CRA report while reporting I paid on-time on the other two. There is also a discrepancy regarding the date of last payment - each credit report has reflected a different date for years of reporting. I received the green card receipt that proves XXXX received my letter, and they brazenly reported the same errors in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX, 2018 my bill did not go through Barclays Bank Delaware - account with XXXX missed payment. I am kindly requesting Barclays Bank Delaware to remove this missed payment from my credit reports. Previously I received response from your company. 'Upon review, your XX/XX/2018 billing statement closed with a minimum payment of {$27.00} due by the XX/XX/2018, due date. As no payment of at least the minimum amount due was received by the due date, a late payment fee was assessed to your account in accordance with your Card member Agreement. We received your payment on XX/XX/2018. As the account did not go 30 days past the statement due date, no negative reporting took place. Additionally, we confirm that your account has no delinquencies reported as of the date of this letter. I have enclosed copies of the associated statements for your reference. ' I am asking about the late payment on XX/XX/2018. See attached screenshots.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A