Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Barclays Bank Delaware. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Barclays Bank Delaware Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. BARCLAYS BANK DELAWARE Inquired on XX/XX/2020. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is my second CFPB complaint against this company. See CFPB complaint # XXXXfiled in XXXX XXXX. Despite letters from credit bureau team and XXXX XXXX in Barclays ' Office of President, this item remains on my credit report. I have submitted the copy of the letter from Barclays instructing this should be deleted to the credit bureaus, but since the correspondence were not sent directly to the credit bureaus, they will not delete. So I submit disputes and call Barclays credit dispute to move and they claim they do not have a copy of the delete letter sent nor the XX/XX/XXXX letter from the office of president. Further I received a letter dated XX/XX/XXXX from Barclays stating that the information being reported is accurate and will not be deleted, completely contradicting the resolution sent to me and CFPB. I have been disputing this matter for two years. It is a clear violation of the fair credit act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account XXXX last payment was in XXXX this is 8 years ago. Please remove this old account and stop reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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 have been in correspondence with their general customer service department and they are not investigating the negative information properly. They are very scripted, and this negative reporting is causing me great stress. I have provided more than enough enough documentation to get this negative reporting removed but they are not looking at the correspondence I have sent. So, I am now escalating this to your corporate office. Please read the information below and update this account as soon as possible. I opened this account on XXXX in good faith that I would be treated fairly by your bank. I always pay this account in full and I am never late on any of my credit card accounts. I contacted Barclays Bank and told a representative I was setting up my payment through bill pay with my bank, XXXX XXXX XXXX. The representative told me that they would place my account on a temporary deferment as I was affected by the pandemic with work but if I wanted to proceed with the payment, I could. My Barclays accounts was set up through bill pay with my third-party bank, XXXX XXXX XXXXXXXX and it was scheduled to be taken out on XX/XX/XXXX. Unfortunately, I experienced compromised activity on my bank account with XXXX XXXX XXXX on XX/XX/XXXX. I was assured that while my accounts were being investigated with XXXX XXXX XXXX, my reoccurring charges would be made with Barclays. The missed payments were due to my banks error, as they failed to see that I had a payment for my Barclays credit card and flagged the payment " fraud '' and did not make it without my knowledge. I have attached a letter from XXXX XXXX XXXX showing that this was a bank error. To make matters worse, your company is reporting me 30 days past due when this was supposed to be on deferment anyways. AND this is over a {$13.00} charge!!!!!!!! {$13.00}!!!!!!!!! Your institute advised me this would not report back in XX/XX/XXXX but it is still reporting and now it is not being investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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: Barclay Card posted a {$9.00} XXXX Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX I called XXXX and I do not owe them money. BarclayCardUS is accumulating late fees on this closed card which are appearing on my credit. I need these people to go away and stop harassing me! Posted a transaction dispute with BarclaycardUS XX/XX/XXXX and they ignore it and charge me late fees. This is not the first time I am having fradulant charfes on this card. Card was closed XX/XX/XXXX. XXXX refunded me {$140.00} on XX/XX/XXXX which never was credited to my card. I had numerous fradulant XXXX magazine subscriptions charged to this card which I rectified myself. In XXXX someone stole my reward points and after complaining they magically reappeared without explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
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: 2021-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am enrolled in autopay for my Barclaycard US credit card. However, Barclay has consistently debited funds from my XXXX XXXX XXXX checking account in excess of what is due. On XX/XX/2021, Barclaycard debited {$5100.00} from my checking account to cover an account balance of {$570.00}. After the transaction posted, my credit card had a balance ( credit owing to me ) of {$4500.00}. In the past, Barclay offered me 12 months deferred interest on a computer transaction, but automatically debited the full amount of the purchase in the first month. I have repeatedly called Barclay about errors in the payments they are automatically withdrawing from my checking account, but nothing has been done to fix this problem. To fix this latest incident of overpayment XXXX {$5100.00} ) Barclay offered to send me a check, which could arrive between 10 and 15 days ( case ID XXXX ). However, their offer does not account for financial damages I will suffer for having insufficient funds available to cover other credit card payments and to meet minimum checking account balance requirements that are immediately due. The only solution available to me is to incur personal debt to cover Barclaycard 's mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hello, My name is XXXX XXXX, On XX/XX/2021 I have contacted my credit Card Company Barclays Elite MasterCard in regards of XXXX XXXX XXXX XXXX. The response was clearly stated that I do have this benefit ( the response from credit card enclosed ). So based on the response, I applied and used this card to pay for the XXXX XXXX applications. On XX/XX/XXXX I contacted bank to get an explanation why this benefit was not paid as promised. The service representative simply said that the initial response I got was a mistake, said sorry and hang up. I called several time on this day, spoken with the manager, however were no results. It seems they are practicing this scam to get customers to open the accounts but never committed the obligations. I believe this is a serious matter by misleading the customers to get the businesses, Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: XX/XX/2021, I as approved for a Wyndam Barclay charge card. I requested on a recorded line that the card be sent to me via XXXX XXXX XXXX for a charge of {$15.00}. This was not done. Instead the card is being mailed to me. This causes a problem. I have stayed on the phone for hours and hours and have not been able to get a account specialist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX BARCLAYS BANK DELAWARE - Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A