Date Received: 2023-11-28
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: On review of this account is seems that they have created a whole new account number to the previous account that i had. I have lost access to online due the account being closed and no longer receive statements. I have called several times and get no where. Now i am being harassed with phone calls even after i have made payments the account. Only to be told im still past due for the other account that is connected to the current account. I was called for account ending XXXX at XXXXXXXX XXXX then at XXXX XXXX XXXX but being told that i only have one account but receiving collections for an account that does not exist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 446XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I filed the first of myriad complaints with you over Barclays. Today its my birthday. To this day, XX/XX/XXXX, Barclays has reported to the CFPB it has closed my account as requested and even said 1 ) it would no longer send me account notices and 2 ) even agreed ( as recorded publicly here ) to refund my full {$99.00} XXXX. This was quite some time ago. I believed they meant it and felt wed received resolution. Since they told you this, they have sent two more letters to my home telling me my account is slated to receive some sort of electronic correspondence. Obviously form letters. I actually replied to the first one. I mailed it back, told them to stop and to send me the check. Today ( my mail is sent to me on the road from my permanent address ) I received a rude birthday letter of the same spam. Three weeks ago this was sent and no other correspondence. Obviously Barclays had no intent of mailing a check. I am entitled to at the very least a prorated refund. They stated I would be sent a whole {$99.00} one. Im now leaving the country again in 2.5 weeks and still do not have that money. Im considering small claims action to make the point. Id rather them stop lying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XX/XX/2023, Im on the phone with Barclays ( XXXX ) XXXX I was asked on a recorded line by 20 different representatives about the same address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Im a victim of identity theft and my landlord XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX her address XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX her phone number ( XXXX ) XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are three hard inquires on my credit report of account that I have not requested to open. The requests are in my name, one has my home address and not my cell phone number and the second is on my home address or my cell phone number. I have a fraud alert on my credit file. XXXX. Barclays Bank Delaware- request on XX/XX/2023 XXXX. XXXX XXXX request on XX/XX/2023 XXXX. XXXX XXXX, XXXX request on XX/XX/2023 The amounts are unknown, as well as if there request has been accepted. I have called all three banks. All asked for my date of birth and SSN. There are no cards connected to this information. I received a credit report from all three credit bureaus. I have removed an unknown number and currently in the process of disputing/removing unknown names from my XXXX credit report. Lastly, I am in the process of reporting identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am a flight attendant living out of state in base. My husband has been doing the bills. This week we received a notice from the collection agency XXXX XXXX. Prior to this, we received no notification that our automatic payment is no longer attached to the new XXXX credit card. Therefore, we haven't been paying the bill since XXXX. The collection agency is the first notice we received. I called XXXX today, XXXX and spoke with XXXX. He said that someone attempted to call, yet we have no voicemail or notification to prove it. He then transferred me to XXXX who is in collections through XXXX. She said that there were XXXX letters sent. We said that we never received those notices even though the correct address was verified. I asked if she could email them to me. She said it would take a bit but she would do it. It is now XXXX as I have waited over XXXX hours and still nothing is in my inbox. I find it a bit suspicious that she said she had these documents yet they can not be forward in a timely manner making me think that they actually don't exist. Then my husband XXXX XXXX called XXXX today. He spoke to XXXX in account release. XXXX stated that XXXX doesn't have to notify us of missed payments and then lectured him about paying bills. If you check our XXXX XXXX, I was XXXX points away from a perfect score. We are not delinquints. We had an issue with XXXX with this new card. A payment of {$1600.00} was sent in XXXX but went to the old account and not the new one. I called every XXXX weeks to try and resolve this issue in which they could not find this payment. Not once did anyone say my account was disconnected. I finally resolved it last month using my bank. I am very dissapointed with XXXX to say the least. I do not mind paying what I owe and would pay it immediately since this is the first time I have been made aware. What I do mind is the {$360.00} fee charges when we didn't even know we were delinquent and given the chance to rectify. This is very poor business and seems like a scam to make money. I will be out of the country now for a while so I would be XXXX weeks delayed in any response. My husband XXXX XXXX is available. HIs phone number is listed. His email address is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: I originally purchased a XXXXXXXX XXXX XXXX design XXXX XXXX online from a company named XXXX on XX/XX/2023, for a total transaction price of {$85.00}. The actual XXXX XXXX website was sold out of this design shirt. The XXXX website states the products are 100 % authentic. The website also states that orders are processed and shipped with XXXX business days. After placing my order, the website stated I would receive an email confirmation of my order. My credit card was charged, though I never did receive an order confirmation. I then reached out to XXXX on XX/XX/2023 after not receiving any information regarding my order or a shipping confirmation. After not receiving any response, I reached out again on XX/XX/2023 for a status update on my order. After XXXX of no response and no product, on XX/XX/2023 I filed a payment dispute with Barclay Card for the purchase amount of {$85.00}. Surprisingly I then received a plain white plastic wrapped bag direct from XXXX with no labels, tags or paperwork included in the mail. The shirt that was delivered resembled the XXXX XXXX XXXX XXXX that I had ordered, though was an obvious poor imitation. I immediately emailed the customer service email at XXXX in order to initiate a return, though I never received a response. XXXX was able to provide the shipping information and delivery confirmation to Barclay Card and my non-delivery dispute was denied. Barclay Card mailed the denial letter along with the information provided by XXXX to me. The response from XXXX showing that I had received authentic merchandise was flawed for several reasons : XXXX. The tracking information shows the item came from XXXX, though XXXX XXXX XXXX is made in XXXX XXXX and shipped to the customer from the XXXX headquarters in XXXX, Virginia. XXXX is in no way involved. XXXX. XXXX included supposed email communication, though there is no communication from me in those messages? The XXXX email I have from XXXX following the dispute does not show my email address in any of the previous emails. I have all my emails stored in the cloud so even if they arrived in my spam box, I would be able to find them, which I could not. XXXX. XXXX included a picture of the shirt that was supposedly shipped, which shows images of the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt that I ordered. This again shows the information provided was not authentic to my purchase. I attempted to email XXXX again to initiate a return of the shirt I had received and received no reply. I also called the customer service number on the XXXX XXXX, though the phone had been disconnected. I called Barclay Card and explained the situation of the imitation merchandise and was told, they could not open a new claim number, but I could submit a dispute under the same claim number, along with the reason for the new dispute. On XX/XX/2023 I mailed XXXX XXXX a description of the overall situation along with XXXX side-by-side comparison pictures of the shirt I received compared to an authentic XXXX XXXX XXXX XXXX. I also included the actual listing page from the XXXX website, the Dinalala FAQ page stating they sell authentic merchandise and that purchases are shipped within XXXX business days. After submitting the XXXX dispute based on the imitation merchandise. XXXX XXXX mailed a response stating that they can not refund my payment because the merchant has not violated the terms and conditions of the contract. This is concerning for several reasons. XXXX. The first reason is that XXXX XXXX completely dismissed my submission without reading it. The Federal Trade Commission states that if a consumer is subject to online shopping fraud, their first line of defense is to reach out to their card issuer. Unfortunately, XXXX XXXX did not operate under these principles. XXXX. This would imply that the terms and conditions of the contract that Barclay Card is referring to does not address merchant fraud in any manner. 3. The terms and conditions of the contract that Barclay Card is referring to allows for fraud. 4. The final possibility is that the terms and conditions of the contract that Barclay Card is referring to promotes a Buyer Beware setting and allows for merchants to prey on unsuspecting consumers. None of these options are positive. I did attempt to reach out to XXXX again and by this time, the website had also been removed. I called Barclay Card again after receiving this decision letter in the mail, because it appeared the information I sent was not actually reviewed. When I called on XX/XX/2023 at XXXXXXXX XXXX the agent ( I cant find her name ) looked at the merchandise comparison pictures with me, and even in XXXX and XXXX, agreed very much that the item in question was not the same as the authentic XXXX shirt. Although she is not able to make the decision, she sent a note to the back-house investigative team to reopen my case and she instructed me to send the information again to the Billing Disputes department. I mailed the complete packet of supportive information again on XX/XX/2023. The packet was lost in the mail, per USPS Tracking, and I had to mail a third copy to Barclay Card on XX/XX/2023 which was signed for on XX/XX/2023. The XXXX response from the Barclay Card Dispute Office once again says that after a detailed review even though the letter is dated the same XX/XX/2023 day it was signed for through my Certified Mail submission. There could not have been a detailed review, only a quick dismissal and another denial letter. The review would not need to be nearly as detailed as they would leave one to believe they performed. A quick scan of the comparison pictures I sent along with the picture of the XXXX XXXX XXXX XXXX shows as the shirt delivered, which has nothing to do with my purchase and the tracking information from XXXX should allow for a reasonable conclusion that this was not the authentic product. I am submitting this complaint based on the fraudulent merchandise that was sold to me and the lack of cooperation from Barclay Card to review my complaint. With the size and impact of fraudulent XXXX activity it is concerning that Barclay Card is unwilling to get involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I havent used this card in months My minimum payment have been increasing Each month and never been late @ until now because They stated I paid less then what was required, but paid on time. This is insane, Im requesting this credit card company be investigated totally.
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: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: The company was Barclays. XXXX I made conctact with them on XXXX and filed a complaint after I kept receiving bills in a married name that I used over 25 years ago, and I have never had or applied for a credit card thru them. They advised me that on XX/XX/XXXX credit was applied for and a issued to XXXX XXXX, and it was for XXXX and they had all my information SSN and DOB and current address. When I asked what it was used for they advised that on XX/XX/2023 for 8 days in a row the card was used at XXXX in Florida for XXXX each day, and then at XXXX XXXX in California for the amount of XXXX and the phone number for them was XXXX. I asked what can I do about it, and they advised they would investigate. Then just a few days later I received a letter that all the information was correct and it was my debt. I'm a XXXX XXXX and I have a credit score of XXXX. I do not need bad credit on my report, especially one that I did not create. I made a police report. Approximately one year ago XXXX XXXX XXXX, in XXXX, texas sent out letters that their Computer systems had been compromised and everyone 's patient data had been obtained by someone on the web. I have had no problem til now. I just don't know what or where to go from here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 745XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: On XX/XX/2023 I visited a pumpkin patch with my XXXX XXXX. The merchant was to charge my card {$73.00} only once. The merchant stated their payment terminal was not working and ran my card 3 times. I opened a claim with Barclays for the 2 unauthorized transactions, however the case was closed as the merchant provided 2 signed receipts. I did not sign any receipts ( merchant forged signature ). Still, Barclays is denying claim. Barclays is not protecting the consumer as per Regulation E.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92173
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: On XX/XX/2023 I submitted a dispute against Wyndham XXXX XXXX for XXXX to my Barclays wyndham card. On XX/XX/2023 I received a letter saying the dispute was closed. Their reason : they never received documents from me. I never received any type of communication regarding them needing any further documents. Nor to date I still have no knowledge of what they were or are requesting. They have refused to reopen the case. They have refused to send me a letter letting me know what they need. I believe they have no intention on investigating my dispute with the company because they are both Wyndham.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A