Date Received: 2023-10-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 3.5 years ago my wallet was stolen and XXXX credit cards were used illegally. They are ; XXXX XXXX XXXX XXXX XXXXXXXX, Barclays Bank Delaware XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The XXXX other credit bureaus have expunged those XXXX accounts. Only XXXX continues to carry those XXXX bad charges. Causing a XXXX point disparity between those XXXX credit bureaus. Id like XXXX to also remove those delinquent accounts. It is adversely affecting my FICO score and causing me great XXXX XXXX despair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
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 started receiving calls from BARCLAYS BANK around XX/XX/2023. They will call me several times a day. When I would answer the calls they would hang up. I finally decided to call back and ask why they calling my cell phone and she stated she could not give me any information. This was on XX/XX/XXXX of 2023. I advised her XX/XX/XXXX of 2023 if she can not give me any information to do not call my cell phone any longer and put my phone number on the do not call list. They continued to call my phone time after time after I requested Do not Call. I do have several screenshots and a phone record. I finally answered one of the calls again, and again they hung up. So I called back And asked them who are they looking for? She took my phone number and stated my full name. I advised her that I am the person that you're looking for. I advised her again that I requested that they do not call me XX/XX/XXXX of 2023. However I have been getting calls ever since then. We went over the account, and she advised me that the account was past due because of check return. I advised her that the rebate was not applied in time and when I paid the payment, it told me I had a XXXX balance. She went to explain about the rebate and what the rebate covered. I advised her I would touch bases with my bank in reference to the payment returning. However, the rebate was the issue. A few days later I begin to get calls again from BARCLAYS BANK. Again when I would answer, they would hang up. I called back I believe XX/XX/XXXX and asked them why they still calling me when I asked to be put on the do not call list and Do not Call my cell phone phone. The young lady profusely, apologize and stated she would put my number as Do not Call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The following financial institution listed below is illegally disclosing, thru their affiliates, non affiliates, third part affiliates and non-third party affiliates, my personal information. Under Congress law 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent. In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer that : Part a : as a consumer, any financial institution wishes to disclose my information, I have to be notified, either via phone, electronically or by mail. AND IT MUST ALSO COINCIDE WITH Part B ; before a financial institution discloses my information, I have to say yes or no. And finally, it must also coincide with part c : if I say no, I am to be given all options in securing my rights to ensure that they dont report my information before such actions are taken by the financial institution. And lastly, under Congress law 15 U.S. Code 1681a, part ( 2 ) Exclusions. the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions ( late fees or charge offs ) or experiences between the consumer and the financial institution, unless authorized based on Congress law 15 U.S. Code 6802, parts A, B, & C. I did not authorized or agreed for these financial institution, or otherwise to disclose any of my transaction history with any third party of any kind, that includes consumer reporting agencies. Most importantly, I was never contacted by this financial institution and given the choices listed above ( 15 U.S. Code 6802, parts A, B, & C. ) My rights as a consumer, Under the Fair Credit Reporting Act ( FCRA ) a consumer report ( CR ) is any written, oral, or other communication of any information bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for : ( i ) credit or insurance to be used primarily for personal, family, or household purposes ; ( ii ) employment purposes ; or ( iii ) any other FCRA permissible purpose ( Section 1681b. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: In XX/XX/2023, I received a letter in the mail from Barclay 's ( dated XX/XX/2023 ) thanking me for my recent application for the Navyist Rewards Credit Card. They further determined that additional information was needed to process my application and requested that I send a copy of my DL, SS card and utility bill and bank statement. I did not send this information as I did not try to apply for the Navyist Rewards Credit Card. This was fraudulent activity. On XX/XX/2023, I was working with a recovery specialist and we called Barclay 's together. Barclay 's stated that someone tried to open this account using my information and that this was a credit card for Old Navy. They stated they would send the fraudulent activity notice to XXXX to have it removed from my credit report. It is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. Barclay 's again stated that they would send the fraudulent activity notice to XXXX to have it removed from my credit report. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. I never received the letter and it is still listed on my XXXX credit report that this is a valid inquiry : " Regular Inquiries are posted when someone accesses your credit information from XXXX ''. On XX/XX/2023, I was working with a recovery specialist and we again called Barclay 's together. After many transfers to different departments, phone numbers and people who could not find the application, it was finally found. We had been on the phone for over an hour at this point. This time they mentioned that they would send me a letter in the mail in 7-10 business days verifying that it had been removed from my credit report. As I did not receive a letter after my phone call in XXXX, I am not confident that I will receive a letter this time, therefore I am reporting this to the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Statement dated XX/XX/23 had a balance of {$5100.00} due on XX/XX/23. That statement covered the period XXXX. Before the due date, I made two additional purchases in amount of {$640.00}, which were also paid the same day. I paid off the card in full ( statement balance plus the {$640.00} additional purchases ) on XX/XX/23 and my account reflected a {$0.00}. I then locked my card. I had to make an emergency purchase today ( XX/XX/23 ) and was initially declined and realized I had my card locked, so when I logged on to unlock my card I see a balance of {$83.00} and was confused. I look and see that despite my card being paid in full within the grace period, Barclays was now assessing me interest charges. I have never been assessed charges if balance paid in full or if paid over the minimum balance due ( please refer to prior months statements I am attaching. Also according to their own policy in my statement about interest : " Accrual of Interest and How to Avoid Paying Interest on Purchases. Your due date is at least 23 days after the close of each billing cycle. On Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest if you pay your Purchases subject to interest ( excluding XXXX XXXX Offers ) plus any monthly XXXX XXXX Payment Amount in full by the Payment Due Date every month '' They specifically state you can avoid interest if you pay your Purchases in full by Payment Due date. Which I did. I am not disputing any month where I was assessed interest and carried a balance ( See XXXX I was assessed {$67.00}, but I also had carried a balance over so that is fine ). I am disputing as I paid in full before due date so was within grace period. And as you can see in prior months I was also not assessed interest even when carrying a balance over. I want the interest reversed as account balance was paid off well within the grace period. They are using deceptive practices and don't even follow a consistent pattern when interest could have been assessed legitimately. Consumers need to be aware of these shady practices by financial institutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08054
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: In early XXXX I contacted my credit card company, Barclays, to dispute a charge with XXXX XXXX regarding a downpayment for a barn that was cancelled and XXXX wasn't refunding my deposit for. On XX/XX/XXXX Barclays sent a letter stating that it was past the timeframe to assist. I later contacted XXXX and they provided documentation that Barclays contacted them on XX/XX/XXXX and the charge was reversed through the third party billing company XXXX. I have faxed documentation to Barclays showing the transaction number for the charge reversal and they continue to refuse to credit my account. Every time I call, all they will say is that the claim was denied on XX/XX/XXXX. I have a fax confirmation that they have received the documentation on the charge reversal on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran numerous times without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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 contacted my bank to report a transaction that I believed it was fraudulent from a scammer. I asked for the transaction to be voided or cancelled ( reversed ) and the bank confirmed they would. My card was cancelled, and they sent me a new one. However, the charged remained on my account for the following days. I followed up with the bank and requested status for several times, their response was always that I would see it on my following billing cycle. I submitted a dispute because the bank deemed the charge a legitimate transaction from the beginning. I submitted all the evidence I could and the response from my bank suggested that the other party had strong evidence since the charge was for a service that was provided. I came to the conclusion that the service that was provided was to pull money from my credit card and give it to the scammer. A phone call from a supervisor was requested and when finally received the call, they explained that there is nothing they can do. During the dispute process they allowed the merchant ( third party ) 45 days to provide evidence. At this point I didn't know who the merchant was since it was all part of the Scam. When I finally was able to contact the merchant ( third party ) they affirmed that they can not do anything since it was a transaction that happened over 30 days ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85641
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/23 I made a {$16.00} charge at a pharmacy in the airport at XXXX XXXX in the XXXX XXXX. The charge reflected on my credit card bill {$460.00} so I disputed the bill and Barclay Bank issued a provisional credit. Barclay Bank requested a copy of my charge receipt but I did not keep it due to the small amount so I requested they provide a copy from the merchant. They indicated they don't do that and reversed the provisional credit to my account. I contacted the merchant XXXX times who acknowledged the error and committed to correcting it but will not. I wrote another letter to Barclay Bank on XX/XX/23 disputing the charge and requesting they provide me proof that I actually made the charge as required under XXXX. XXXX # XXXX paragraph ( a ) ( XXXX ) ( vii ). They sent a letter noting the case is closed since I can't provide them with proof of the charge. I spoke with a Senior customer service representative on XX/XX/23 asking what may be done and she indicated XXXX 's will not contact the merchant for the proof AND they will not issue another provisional credit. Not sure why they will not follow XXXX XXXX but it seems pretty clear to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
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 filed a dispute with Barclays Bank on XX/XX/23 for over {$10000.00} for a vacation rental issue. At the time I had spoken with the merchant, who agreed with my complaint and said they would not contest the dispute. After a month, I received letters from Barclays saying they would not send the dispute to the merchant, first because I needed to try and return the " merchandise '' and second because services were provided. I requested multiple times to speak with a supervisor, and was told none were available. I finally filed a complaint with the XXXX XXXX XXXX which got a response from the " Office of the President ''. After speaking with this person, Barclays finally sent the dispute to the merchant on XX/XX/23. I am in possession of the response from the merchant, dated XX/XX/23, where they asserted that they accepted the dispute and would not contest it. I have called Barclays multiple times inquiring as to why the dispute has not been finalized in my favor, given the merchant 's response. Each time, Barclays says they are still investigating, and can not give me a timeframe as to when my dispute will be finished. Multiple times, I have requested to speak with a supervisor in the dispute department, to be told there are none available and that they will call me back within XXXX hours. I have received no callbacks at all. It is now almost 3 months since I filed the initial dispute, and 45 days since the merchant responded to Barclays accepting the dispute, and yet I still have no resolution. I have emailed and called the Office of the President, and have received no response. I have now filed a second XXXX complaint, since this seems to be the only way to get Barclays to do what they are supposed to do under the terms of the credit card agreement. They are essentially refusing to refund money that the merchant has agreed I am due. This is absolutely awful customer service, and really has me wondering what Barclays would do if I actually needed them to advocate on my behalf, as opposed to the open and shut case that I just need them to process correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A