Date Received: 2023-11-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Last 4 digits SS # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am writing to address a matter of utmost concern regarding my recent credit report. Upon reviewing my report The following accounts ( itemized below ) are reporting a current balance when it is my understanding and reason to believe that this debt was charged off by each lender. Because of that fact, this debt is cancelled and at least should not reflect the balance nor continue to actively report current updates that is currently showing on my consumer file. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Please delete these inaccuracies. Barclays Bank Delaware : Balance {$1400.00} Last Report date XX/XX/XXXX XXXX XXXX XXXX XXXX : Balance {$410.00} Last Report date XX/XX/XXXX XXXX Personal Loan : Balance {$790.00} Last Report date XX/XX/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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: XXXX XXXX XXXX XXXX XXXX agreed to refund XX/XX/2023 purchase, but then only provided store credit. Barclay 's then refused to investigate after the charge was disputed, and declined to return my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 138XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have try to find a common ground on a dispute with XXXX and also requested on reinvestigation with XXXX and got to the point where they don't respond and haven't since the last 60 days from 2 past disputes numerous disputes have been submitted for this account with no compliance with FCRA requirements. On XX/XX/2022 I sent Barclays a 1099C and they never responded as well. At this point I'm not getting any answers from XXXX nor BARCLAYS BANK DELAWARE. I have sent the attached supporting documents demanding to delete this account since they have not answered back at all with timely fashion correspondence. Please remove this account from my XXXX consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07055
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payme t on XX/XX/2023 to my Barclays account in the amount of {$15000.00}. Payment was added to the account and it was set-off to XXXX. Barclays then decided to take back that payment and are now not processing my payments, when they have already accepted the payment. I have asked for two months to send back the payment as proof that it wasnt cashed, and they havent sent anything. This is illegal and the account needs to be set-off back to XXXX within 7 business days, or litigation will ensue. Attached is proof of payment to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I filed a dispute for a charge, in which I was scammed for {$450.00} on a digital purchase. XXXX Barclays accepted doctored evidence from the merchant and closed the case. On XX/XX/2023. I faxed evidence that the merchant scammed me, and they provided doctored evidence, and the case was re-opened. While the case is now re-opened and investigated, I noticed they are charging me interest on the disputed balance. Also, if I do not pay the minimum they will charge a late fee, and report this to the credit bureau. I called their support on XX/XX/2023 and spoke to the general support, dispute specialist, and account specialist. They confirmed the dispute has been re-opened and the investigation is ongoing but the charge is still on my account and that I need to keep paying the minimum and incur the interest charges, and it will be removed if I win the current dispute. I explained to them pursuant to the CFPB I can not incur fees on a billing dispute I've given written notice for, and that is open and being investigated. They offered no help and said there is nothing they could do. I will incur fees, and if I do not pay at least the minimum I will be charged late fees as well as then report the missed payments. I have this call recorded and can supply it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Open a Jet Blue Barclay Master card with a XXXX credit limit. As of today got a letter that sates my credit is not only XXXX This is misleading due to the fact that inquiry was not done appropriately at the begin which the line of credit was open. This not now at practice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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: There were about 18 unauthorized transactions that occurred during the month of XXXX and XX/XX/2023 on my Barclaycard XXXX credit card ending in XXXX through XXXX payment system. These unauthorized transactions from XXXX payment system were not purchases and no sort goods or services were received but they were cash advances with fees and interest on XXXX system. It happened that out of these 18 disputed transaction, 12 of them has been resolved and XXXX refunding the amount, to my dismay 6 of the same set of transactions were not resolved, and these are the transactions not resolved : XX/XX/XXXX When I inquired why there was such inconsistency in how the claim was handled leaving out 6 of the same status of unauthorized transactions, they kept going back and forth from their dispute team to the fraud team. I had to refile these outstanding claims but have not received any letter from the financial institution to acknowledge that they are working on the resubmitted claim or received a temporary credit for the disputed amount while the investigation is on resulting in interest charges on the disputed amount. I am looking for answers hear, and why the silence and inconsistency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is my second letter requesting that your company correct your own mistakes. I have received no response from you and yet you continue to report to the credit bureaus, even verifying this account to them when I dispute it. I am well aware that is a violation of the Fair Credit Reporting Act to continue to report information on an account in dispute, especially when you have failed, per the FCRA and FCBA, to verify the account with documented proof. Therefore, I am humbly requesting, once again, that you either verify this account by providing the following information or delete it completely with any and all credit bureaus to which you are reporting. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt ; The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit fraud against me as required by the Patriot Act ( You do take these precautions correct? ) An itemized statement breaking down the balance you claim I owe ; and Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: While checking my credit report there was a card from Barclay Bank listed as opened XXXX. I did not apply for this card and all three credit bureaus have a freeze on my name, Spent 1.5 hours giving three people at Barclay my personal information. Name/address/phone/social security. These representatives refused to provide their full names. I asked for written confirmation that a fraud complaint was filed. REFUSED said I would hear something in XXXX days or more., Next day filed a XXXX complaint and received a call from someone supposedly represent the Presidents Office Barclay Banks XXXX No way to confirm identity. Wanted the same information that was already given to their fraud unit. Agreed to name only. Was told he could do nothing without all the personal information already provided. His computer could not just enter name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/14 I received a credit card from Barclay 's Bank Deleware for a Wyndham Rewards credit card that I did not apply for and was sent using my maiden name. Upon calling the company they were incredibly unhelpful. They would not provide me the information needed to provide to the police department to start a police investigation and a paper trail for the incident. When I was finally able to get through to the investigations department they were not helpful and did not take my complaint seriously. After almost an hour on the phone and talking with multiple people I was finally able to get a case ID number although they continued to ask why I needed this information. None of the employees I spoke to seemed to take this issue seriously. Additionally, when calling Wyndham Rewards to get additional information from the customer service representative about how a rewards account was opened in my name without my consent, they were equally unhelpful. They also seemed confused as to why I would want to close my account even after explaining multiple times that this was a fraudulent account. While the account was opened using my email address, I asked why I had not received an email with information upon opening my account, the customer service representative had no answer and continued to tell me that I would not receive any further emails- which was not the issue. I have yet to receive an email confirming that my account has been closed. This call, which should have been quick, took upwards of 30 minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A