Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX Inquiry Date : XX/XX/XXXX Location : XXXX XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Action Taken : Social Security Number Unverified BARCLAYS BANK DELAWARE Inquiry Date : XX/XX/XXXX Location : XXXX XXXX XXXX XXXX, DE XXXX Phone : ( XXXX ) XXXX Action Taken : Called to access the information used and wasn't able to receive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
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: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Re ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX thru XXXX XXXX Acct : ending in XXXX for {$3400.00} XXXX XXXX File Number : XXXX Debt to XXXX XXXX discharged on XXXX. XXXX - debt collection call from XXXX XXXX at XXXX XXXX. XXXX - Response by Executor, XXXX XXXX, to XXXX XXXX uncured debt dismissed. under XXXX XXXX, Sec 727, of Title 11. XXXX - XXXX XXXX XXXX assumes debt collection after discharge. Monthly collection statements continue from XXXXXXXX to date. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Monthly collection statements continue from XXXX to date. XXXX XXXX passes away from XXXX XXXX. XXXX I received a collection call from XXXX. Monthly collection statements continue from XXXXXXXX to date. Cease and Desist Order sent by me as Executor of the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
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: 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 treated my family to a 4 night vacation in XXXX. We purchased 3 rooms from XXXX in XX/XX/2022. When we arrived to the hotel 6 month later on XX/XX/XXXX, we were told by the hotel that all 3 rooms were sold out. With no where to go or turn because we are now stranded at a hotel in XXXX, we were instead put in 3 single bed bedrooms for XXXX adults, including XXXX men, my brothers. Unsatisfied, we checked out early and spent double our vacation budget to move my family to another hotel in XXXX. I was instructed by XXXX to dispute the charge with my credit card provider BarClayUS because we ordered 3 queen bedrooms and were not given what we pre-booked 6 months before our vacation. When disputing the charge I provided the credit card company with the original receipt of the booking, the receipt of the second hotel we moved ( with assistance from XXXX ), photos of out early check-out forms, and photos of my brother sleeping on a cot. This was NOT the 4.5 star experience we paid for, and this was NOT what we ordered. However, my credit company will not budge. They are aware we did nothing wrong. They are aware we did not purchase the rooms we were put in. And they are aware that we checked out early. I have been fighting this case now going on 10 months this year. What are my rights?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77021
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023, I received an alert through XXXX XXXX and XXXX XXXX that an hard inquiry was reported to my credit file to XXXX XXXX. The inquiry was made through Barclays Bank Delaware on XX/XX/2023. I contacted Barclays Bank Delaware, and they told me that they did not show an application on file. I told them I did not apply for anything and that to please remove the inquiry. They responded and said that since they did not find an application on file, they couldnt remove it. I advised them that since it shows that they reported it, that they have to remove it. They advised they couldnt because they dont show an application submitted. This is a fraudulent inquiry account reported to my credit file. Please help to remove this. On XX/XX/2023, I received an email for a credit contract from XXXX XXXX XXXX. When I contacted them they advised that they did not receive or had an application on file relating to me. This as well is a fraudulent account reported to my credit file. Please help to remove this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
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: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays Bank of Delaware mistakenly claims that I requested online statements in lieu of paper statements. Lacking a paper statement, two payments were missed in XXXX and XXXX, XXXX. Barclays error has led to a massive reduction in my FICO score from XXXX to XXXX, which will impact my ability to borrow and the cost of any future borrowings. The account was opened in XXXX and until Barclays ' error, had years of a perfect payment history. I have pursued this matter directly through Barclays who is unwilling to accept my explanation. Despite this, Barclays has been unwilling or unable to support their claim that I personally requested online billing as opposed to paper. The most likely explanation is an internal error at Barclays led to coding my account as preferring to receive online as opposed to paper statements. I have also pursued this matter directly through XXXX, XXXX and XXXX. Their automated complaint system is not sophisticated enough to address my complaint properly and my complaint to each resulted in no change to my record. Barclays error has unfairly harmed me and my outstanding credit record. I would be grateful for any help you can provide. Thank you. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
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/XXXX 2 airline tkts were charged to this card. On XX/XX/XXXX the tkts were cancelled and supposedly refunded to the card in the amount of {$1200.00} X 2 = {$2400.00}. I have transaction # 's XXXX and XXXX given to me by XXXX XXXX XXXX for the refund. Barclays Bank keeps saying they havent received and will not do anything about locating the money. They even spoke to XXXX to obtain ALL the info including ticket # 's, refund transaction # 's etc verifying the refunds were issued from their end and Barclays refuses to acknowledge or locate my money and post it to my credit card account. I disputed the charges, spoken to managers and supervisors to no avail. THIS WAS AN electronic transaction... It has to be traceable and no one is helping me resolve, especially Barclays Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33434
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: As written above. I have a Jet Blue Plus credit card from BARCLAYS Bank. My account is tied to another Jet Blue account and my user name and password will not allow me to change it so I can Have my own account separate from this other account. IT is HORRIBLE> They have NEVER contacted me on over 6 months and they can't seem to fix this. I am just asking them to delete my current user name and password so I can create my own account. I can not get on line to see ANY transactions since day 1. They don't even send me paper statements on the mail which has been requested many times. I NEED IT TO FIX This problem immediately. The customer representatives say they can't contact IT ... there is no telephone number that they can call. MY Case # is XXXX PLEASE, PLEASE help me. I will appreciate anything you can do. Thank you. XXXX 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: 33434
Submitted Via: Web
Date Sent: 2023-11-21
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: The credit card was opened fraudulently by unknown parties who also opened fraudulent bank accounts and other credit card accounts using my personal information and redirected my mail to another address or stole the mail from my box which was a far distance from my house. XXXX XXXX refuses to accept these facts and continues to claim I owed them money and failed to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer to book a Carnival Cruise and receive XXXX rewards if I booked a cruise from XX/XX/2023 to XX/XX/2023. The credit card company states they did not see any purchase and is refusing to provide the promotion points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Old Navy Barclays credit institution reported late payment to credit bureaus causing perfect credit score to decrease by significant amount. Never had a delinquency with this company. Always paid full statement balance. XXXX Monthly/Scheduled Payment : {$30.00} XXXX Balance : {$180.00} 30 day delinquency reported on XX/XX/2023. This is devastating due to the fact that I'm in process of purchasing a new home and this will now affect my ability to obtain a mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A