Date Received: 2023-11-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On Tuesday, XX/XX/23, I received an email from a credit monitoring service indicating that an inquiry had been detected on my credit report. Immediately thereafter I received a " Welcome '' email from JetBlue airlines. Suspecting fraud, I called Barclay, the company which issues Jetblue cards, and it confirmed that a credit card had just been opened in my name. The identity thieves used my real, current email address, date of birth, social security number, my former mailing address and my former phone number in the fraudulent application which was submitted through a link on the JetBlue flight booking site. I requested that the account be closed and the unauthorized inquiry be removed, however, Barclay refuses to remove the inquiry from my credit report per a XX/XX/23 letter. The XXXX police report associated with this incident is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am asking can Barclay 's remove adverse information off my three consumer credit reports ( XXXX, XXXX, and XXXX ) concerning a one time 30 day late payment in XX/XX/2021. I missed this payment because of then COVID-19 cutbacks on time and staff at my place of employment and its has been having a adverse effect on my three consumer credit reports ever since. This one time missed payment is lowering my credit score substantially. In an effort of goodwill I am asking can this adverse information be removed from my three consumer credit reports by Barclay 's. This is the only missed payment on my credit report and my Barclaycard account is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Subject : Credit Card Application Decline and Violation of Consumer Law MANAGER/CEO /COO I hope this letter finds you well. I am writing to express my disappointment and concern regarding the recent decline of my credit card application with your esteemed institution. I believe that my application was unjustly rejected, and I would like to bring to your attention a potential violation of consumer law. As a responsible individual, I have maintained a good credit history and have promptly met all my financial obligations. Therefore, I was surprised to receive a notification stating that my application for a credit card had been declined. I followed the necessary steps, provided all the required documentation, and fulfilled the eligibility criteria outlined by your bank. Upon reviewing the reasons for the credit card decline, I was dismayed to find that the decision was based on discriminatory grounds, which is in violation of consumer protection laws. The Equal Credit Opportunity Act ( ECOA ) prohibits creditors from denying credit to individuals based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. I firmly believe that my application was declined due to factors unrelated to my creditworthiness, but rather due to unlawful discrimination. I kindly request that you provide me with a detailed explanation for the denial of my credit card application, specifically addressing any potential violation of consumer protection laws. I also urge you to reconsider your decision and reassess my application based solely on my creditworthiness and financial history, as is required by law. If it is determined that my application was indeed declined in violation of consumer protection laws, I expect appropriate action to be taken to rectify the situation. This may include providing me with the opportunity to reapply for the credit card or offering suitable compensation for the inconvenience caused. I would like to remind you that as a consumer, I am aware of my rights and will not hesitate to seek legal recourse or report this matter to the relevant regulatory authorities if necessary. I trust that your esteemed institution values its reputation for fair and ethical practices and will take the appropriate steps to address this issue in a timely and satisfactory manner. I kindly request a prompt response within [ a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. You may reach me at the contact details provided above. I would appreciate your attention to this matter and a swift resolution. Thank you for your immediate attention to this serious concern. I look forward to your prompt response. Yours sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I took an " XXXX XXXX '' offer that Barckay 's Old Navy card was having, to pay purchases in monthly payments at lower interest rates. I tried using it on a purchase of {$170.00} that I made on XX/XX/2023 so I made a 6-month plan. My statement of XX/XX/2023 came with the purchase on it, but because they didn't have an adjusted balance and it was not clear how to adjust the balance myself ( the customer service told me to calculate but by the time the payment for the whole balance was processed ), I paid the entire balance on XX/XX/2023 including the original purchase {$170.00} that I set on the plan. According to their wording, the {$170.00} that I paid should have paid off the " XXXX XXXX '' plan and stopped the interest. Instead, I realized on the statement of XX/XX/2023 that they are still charging interest and it appeared as if the plan was not paid. When called, they told me that they were using the {$170.00} to pay the plan in 6 months and customer service told me that they were going to remove the interest. Today XX/XX/2023 I see that the new statement has one month paid and is charging me {$2.00} for interest, and didn't return me the previous {$2.00} of interest. I don't think I should be paying interest on a plan that I paid in advance, that should have been paid off when I paid the whole balance on XX/XX/2023 According to Barclays : " You can pay your XXXX XXXX XXXX early by paying the most recent Statement Balance plus any new transactions that post to your account before your payment is received. This will pay off your statement balance, any new transactions, and any additional XXXX XXXX enrollments. If you pay off XXXX XXXX XXXX early, you wont incur any future finance charges for these enrollments. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The credit card company charged me for a yearly subscription fee without my authorization or knowledge. Over time, they started reporting to the credit bureaus that the account was delinquent, increasing the past due days every 30 days. This situation has reduced my credit score by XXXX points, and it has been ongoing for over 6 months. Furthermore, I disputed the information with the credit bureaus, and the credit card company confirmed the erroneous information. Every time I call, the company assures me that it is corrected, but the information continues to be reported inaccurately, continuing to impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: It is a Barclays card, through XXXX XXXX. I never received a card or a bill before I just started getting emails that I was late on a payment. I called and spoke to them. Told them I never got a card. They waived all late fees, and I paid the account in full. Still no card or a bill, and now theyre emailing that I owe for over {$140.00} on an account originally for approximately that amount. When I called them and informed them I a paid it in full, they had no right to charge late fees, they said theyre charging interest and Late fees on the late fees. This is capitalizing interest and unlawfully charging late fees on an account I paid in full. I want the all fees and interest charged off and the account closed. The last XXXX on the account number are XXXX, this is all I ever got from them is an email. The link to pay goes to https : XXXX XXXXXXXX It is Barclays card services on behalf of XXXX XXXX. My email is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Was charged {$99.00} annual fee on Barclays Aviator Mastercard. Called and requested the fee be refunded and card closed since XXXX XXXX Credit card company has failed to follow through and delinquency has been reported onto credit bureaus. Despite calling for six months, Barclays has failed to submit the proper documentation to waive fee, close card, and remove delinquency from credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX I received a hard inquiry on XX/XX/23 for Barclays Bank in Delaware that I did not make.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07090
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have been a customer of Barclay since XXXX and have had more than XXXX payments, none late. In XXXX I noticed an email saying my account is seriously past due. I don't use this credit card very often and don't typically monitor my personal email. I was confused as I pay this account via a paper statement and don't recall seeing that. I tried calling on several occasions and had a tough time reaching a person to talk to. I was routed to collections apparently and treated like a deadbeat. I paid right away and learned later that somehow I missed a statement for a {$25.00} balance. This quickly escalated to {$97.00} with in late charges and interest. During this time, our region was in the midst of a devastating flood event for most of our XXXXXXXX XXXX region and I became a XXXX XXXX XXXX Barclay 's steps taken alone reduced my credit score by XXXX points to XXXX. Here is the request for assistance that I sent to VT XXXX XXXX : 11 days agoDetails Hello XXXX XXXX I'm writing to you hoping you can help a situation that Im challenged by. Here are details : RE : Barclay Advantage MasterCard XXXX My credit score is something I closely manage and have been aiming for an XXXXXXXX credit score. It had been XXXX most recently except for a recent issue with the referenced account that plunged my credit score XXXX points to XXXX. I'm not sure that my credit score had ever been this low. I don't use this credit card very often and was very surprised to see a personal email saying my account was seriously past due. I don't use my personal email very often. This credit card was supposed to be set to paper statements. I have had great difficulty trying to access this account online and finding someone to talk with when I call the help line. I spoke with someone there today who said I've had 18 late in payments since the account was opened with them. My reply was that I had had a credit score of almost XXXX, with a very strong payment history with everyone. I'm attaching the statement for period XXXX. I don't believe I received this account statement, so responded with full payment when I noticed the " You are seriously past due '' in an email. Each of the last two statements charge {$30.00} or {$40.00} + interest on very small balances. My credit history has been very adversely affected. I'm really hoping you can help. I have other credit card statements, but I'm concerned that other people are also receiving this bad treatment. Please let me know if I can tell you more. Thank you for any consideration. XXXX XXXX XXXX XXXX XXXX XXXX VT XXXX XXXX cell XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 051XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am writing to formally submit a complaint to the Consumer Financial Protection Bureau regarding a distressing situation involving Barclays Bank and their handling of an unauthorized Banana Republic Rewards Credit Card that was opened in my name. The details of the incident are as follows : On XX/XX/2023, I received an unexpected call from Barclays Bank concerning overdue payments on an existing Banana Republic Rewards Credit Card. To my shock, I had no prior knowledge of the existence of this credit card. It came to my attention that this credit card had been apparently opened in connection with an account at Barclays Bank shortly after I made a purchase at a Banana Republic store a few weeks earlier. I was deeply alarmed by this fraudulent situation, which involved the unauthorized use of my personal information. As an individual from another country, I am not familiar with the nuances of consumer credit information manipulation in the United States, particularly when it involves store employees collecting personal information under the guise of enrolling customers in rewards programs and subsequently using that information to surreptitiously open credit card accounts without explicit consent. Upon receiving the call from Barclays, I promptly informed their agent that I had not applied for any credit card, had never received XXXX, and had never applied for a bank account with Barclays. I requested that they immediately close any account associated with my name. On XX/XX/XXXX, I visited XXXXXXXX XXXX with my husband to open a joint account and was astounded to discover that I had two late payments negatively impacting my credit score. These late payments were linked to the unauthorized Banana Republic Rewards Credit Card account at Barclays, which was having significant repercussions on my creditworthiness. I immediately contacted Barclays once again to report this situation and reiterated that I had not authorized the credit card, that I had already requested the closure of the account and expressed my concerns about the impact on my credit score. Barclays informed me that they would initiate an investigation into the matter and assured me that I would receive a written response within 30 days regarding the status of the investigation. Regrettably, as of the time of this complaint, I have not received any such letter or communication from Barclays regarding the investigation. Furthermore, the investigation remains unresolved, and despite my weekly follow-up calls, Barclays continues to inform me that it may take up to 90 days to receive a response. This ongoing situation has caused me considerable distress and uncertainty about my financial well-being. I am deeply worried about the potential long-term consequences of this unauthorized credit card account on my credit score and overall financial stability. I kindly request the Consumer Financial Protection Bureau 's assistance in addressing this matter and ensuring that Barclays Bank takes immediate action to investigate and resolve this fraudulent activity. I am uncertain about the appropriate steps to take to safeguard my financial interests, and your intervention would be greatly appreciated. Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A