Date Received: 2023-10-25
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 noticed a charge of {$96.00} from the vendor XXXX XXXX XXXX which posted near the end of XXXX on my Advantage Airline credit card managed by Barclays. I have never interacted with XXXX XXXX XXXX, and in fact didn't know the company existed until the fraudulent charge appeared. I called Mastercard number on the back of my card and the gentleman suggested they issue a new card, which happened. On the next bill, the charge remained, so I called the company again and followed up with a letter, attached. The charge remained, so I called again. This time they said they would review the dispute. The woman also said " the chip was present '' and that " since the other charges that day were not disputed '' that I must have made the charge. In fact, there are no other charges that day listed. I never had any dealings with the vendor. So, to me, this charge was just added to my account without justification or evidence that I made the charge. After this call, my account now showed a second XXXX XXXX XXXX charge for the same amount. I called again and was told the 2nd charge was just an accounting error, and would be removed ( it was ), but the original charge was NOT removed. I have not heard anything more from Barclay 's Mastercard and the charge remains. In summary, I called multiple times and sent the attached letter via surface mail. I also called after this letter and they again said they would review my case. In the meanwhile, I paid all but the disputed charge. However, the charge remains and I am now being asked to pay a minimum fee and interest has begun to accumulate. I have never received anything in writing. I appreciate your help. I have never had a credit card company refuse to remove a fraudulent charge before, so I am somewhat at a loss here. I don't know when the next charge will magically appear, so I have locked my card for the time being and paid all but the disputed charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I paid my bill in full ( {$63.00} ) on XX/XX/2023 and the payment was accepted and deposited by the company on that date. I have documentation to support this fact. The company has not credited my account with this payment and has been charging me late fees and interest instead. Several times, I have called the company, but they are " reviewing the case. '' In the meantime, they are sending me intimidating emails and demanding payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03801
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account was closed with Barkley Credit Card on XX/XX/XXXX. On XX/XX/XXXX they reported to the CRA that they charged off my account. On XX/XX/XXXX through the present month, they have reported to the CRA that have charged the account and can not furnish any documentation to prove the report. Therefore, this reported information is not correct because once an account is closed, it can only be charged off once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe resulted from identity theft, as well as a charge-off entry that inaccurately represents the current status of my account. I am seeking resolution in accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft, it is crucial that I take immediate action to protect my credit and personal information. I have identified certain information in my credit file that I believe is a result of this identity theft. Pursuant to 15 U.S. Code 1681c2, I request that you block the reporting of any information in my file that resulted from this identity theft. I kindly request that you promptly initiate the blocking process within four business days of receiving this dispute. The specific information that I believe resulted from the identity theft includes fraudulent accounts, unauthorized inquiries, and incorrect personal information. In addition to the identity theft dispute, I also dispute the charge-off entry related to the following account : Account Name : BARCLAYS BANK DELAWARE Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXXXXXX Status : Account charged off. {$5100.00} written off. {$6500.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXXXXXX Balance : {$6500.00} Balance Updated : XX/XX/XXXXXXXX Original Balance : {$3800.00} Highest Balance : {$6500.00}
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: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: It was brought to my attention the charges from XX/XX/XXXX ( XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) have been charged back to my account after your internal investigation. I have provided evidence that I was in fact home those two days and was NOT in XXXX, Georgia. Evidence includes XXXX XXXX camera still shots ( of me and my wife ), dated and timestamped, my stay history with XXXX and XXXX, text messages from XXXX who was onsite purchasing a vehicle from my family, and emails showing I was working with a contractor in my town regarding fieldwork. Finally, I personally called both hotels who verified the card was NOT physically used at the locations. Charges include the following : XX/XX/2023 {$190.00} @ XXXX XXXX XXXX GA XX/XX/2023 {$190.00} @ XXXX XXXX XXXX GA XX/XX/2023 {$320.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA XX/XX/2023 {$220.00} @ XXXX XXXX XXXX XXXX XXXX XXXX GA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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: XX/XX/23 My card was charged {$7.00} for XXXX XXXX. I assume ( based on familiarity with XXXX ) that this is an in-flight food or beverage purchase. I did not fly XXXX on that date, nor was I anywhere near traveling or an airplane. I reported the charge as fraud and requested a new credit card. It is obvious that someone has a fradulent physical copy of my card. Barclays did an investigation, and due to the chip being read and the card being used in person, they determined that the charge was valid. I called to dispute this again and asked how I could prove that I wasnt on an airplane since they refused to believe me. They entered more information and resubmitted. On XX/XX/23 they sent me the same letter upholding the charge. This is infuriating that they do not believe me that this is fraud. There are no other travel costs anywhere. I do not know how to 'prove ' that this charge was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Company in question is Barclays ( Aviator Red Mastercard ), and I have been a customer of them for just a few years. After going out on disability in XX/XX/XXXX and not being released until XX/XX/XXXX, I made payments to Barclays on time and as agreed. However, fast forward to today, XX/XX/XXXX, I have depleted my 401K, IRA, and my savings. Thus, my last payment to Barclays was on XX/XX/XXXX as I currently have no income coming in, and I need the little that I have left to cover my doctor visits and medication for health conditions covered under the Americans with Disabilities Act ( ADA ). I called them when I received my XXXX bill, letting them know that I could not afford to make payments for the reasons I mentioned in this complaint. I have attached what they told me, and please keep in mind that they would only give me an option to settle this once I defaulted, which I believe violates the Fair Credit Reporting Act. The reason is that they wanted me to wait ( and I quote ) until I was on default to make payment arrangements ( although I was being proactive and trying to find temporary help to avoid impact to my credit, which has been immaculate ). As a result, my credit report has been negatively impacted and decreased from having an " exceptional '' credit rating to a " fair '' credit rating, as a result of Barclays and their inability to work with me before default, which I believe is unfair, violates my rights under FCRA, and gives them a horrible reputation taking into account my current situation both financially and healthwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I tried to pay my credit card off in the beginning of XX/XX/2023. I had requested a new credit card and they told me they couldnt except my payment because they had closed my previous card and didnt have a new card number to apply the payment to. They gave me a payoff amount and when I received the new card I payed that amount and the same amount was listed on the website. I assumed this was taken care of. I then got a notice in XXXX on XXXX XXXX that I had a late payment reported. I called the credit card company and they said that there was {$8.00} outstanding ( I dont know what this charge was because I paid the card off and made no further purchases ) and late fees. In XXXX there was a dispute issued for the late fees and negative report to the credit bureau. I called numerous times for a follow up and still no resolution. On XX/XX/XXXX I called to find out the status of the dispute. I said can I just pay this to avoid further late charges and more concerning another negative report to the credit bureau. The customer service agent said I could not make a payment because it was in the dispute review. He assured me to just wait until the dispute was completed. I got notice on XXXX XXXX that my credit score was even lower and an additional late fee was added to the credit card. So, I was on the phone for another 1 1/2 hours trying to find out why this was reported again since they refused my payment the previous week and it is all being reviewed. ( My credit score has taken well over XXXX point hit because this. ) The customer service person said he is escalating the case again and I would hear back in 7 - 10 business days. I have heard this at least twice before and still have no resolution. I just want my credit score restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi. I had a Barclays Jet Blue credit card that I hardly ever used. At some point, I had a minimal balance but did not receive my statement that month so didn't realize it. I believe it was the annual fee. Once I did, I immediately paid it off. My credit score went from XXXX to XXXX. My household income is $ XXXX. Do they honestly think I couldn't pay off a small balance? I am asking for a one time courtesy to remove the item from my otherwise perfect 20+ year credit report. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was the victim of credit card fraud on XX/XX/XXXX. I noticed and reported this fraud on XX/XX/XXXX. The fraud was from SQ XXXX XXXX XXXX in the amount of {$2200.00}. I was told it would be taken care of. However, I noticed later that no actions were taken to resolve the fraud. I called back. A provisional credit was given in the amount of the fraud while an investigation took place. The week of XX/XX/XXXX I received a letter from Barclays on XX/XX/XXXX stating that they had completed the investigation and the transaction was found to be valid based on " your previous purchase history with the merchant ''. I called Barclays back on XX/XX/XXXX and spoke to XXXX in regards to this erroneous claim and stated that if there is previous purchase history with this merchant then there is additional fraud. XXXX confirmed that there was no previous purchase history with this merchant. XXXX also informed me that there was another letter from XX/XX/XXXX currently in route to me that stated that it was in fact found to be fraud and that I would not be responsible for the activity. As previously stated the amount of fraud was {$2200.00}. The amount refunded to me was only {$220.00}. The agent stated that someone seemingly left out the XXXX ', creating a significant accounting error. I was assured that another investigation had been opened and they would work to resolve the error within 30 days. The new case reassertion number was XXXX. I called back on XX/XX/XXXX and spoke to XXXX in regards to an update. She stated there were no updates at this time and I would receive a letter in the mail and she confirmed the 30 day resolution window. With only days until a payment is due on the fraudulent amount I called back on day XXXX of the 30 day window. This was XX/XX/XXXX and I spoke to XXXX. She informed me that the credit of {$220.00} came from the vendor, who admitted that it was a fraudulent charge. XXXX told me that she would put a note on my account stating that I would not be liable for interest charges, as it was found to be fraud. She advised me to make the minimum payment to avoid lated fees, XXXX XXXX reduction, etc. Per her advice I set up a minimum payment to go out on the due date of XX/XX/XXXX. She escalated my case since it was 1 day away from the end of the 30 day resolution window. She advised me to call back in XXXX business days for an update. On XX/XX/XXXX I missed a call from Barclays. I called them back on XX/XX/XXXX and spoke with XXXX. XXXX provided information from documentation from the merchant. XXXX informed me that a letter from Barclays created on XX/XX/XXXX stated that it was not found to be fraud. I have not received this letter. I asked why and XXXX stated because the letter was not mailed until XX/XX/XXXX. XXXX told me that the letter states that the charge was not found to be fraudulent because the merchant was able to provide my name, mailing address and phone number. The merchant was unable to provide my correct email address. The email address provided by the merchant was XXXX. This email is not associated with me in any way. The invoice number from the merchant was # XXXX, which XXXX and I agreed seems suspicious. XXXX confirmed that there are no previous purchases from me with this merchant. She provided the following information about the merchant : Name : XXXX XXXX Design Incorporation Address : XXXX Blue XXXX XXXX, XXXX XXXX Phone : XXXX XXXX created fraud investigation case stating the following : XXXX was unaware of the transaction -I have no previous business with the merchant -I did not receive goods or services from this merchant -My name/address/phone number are easily accessible online and not sound evidence to claim that it was not fraudulent -The email address provided by the merchant is not my email address -The invoice number of # XXXX is suspicious XXXX said she will also log a complaint about the XXXX of my case as it is has not been handled fairly or in a timely manner and she stated that they can do better. I called back on XX/XX/XXXX to confirm Barclay 's mailing address to send them a letter from XXXX. I spoke with XXXX who confirmed the Barclay 's mailing address is po box XXXX, XXXX, DE XXXX. XXXX stated that I will be charged interest until/if the charge is found to be fraud. I asked her to provide the case number created by XXXX this morning and she was unable to find a case number from XX/XX/XXXX. She was however able to find a case number from XX/XX/XXXX. I did not call or speak to anyone on XX/XX/XXXX, but did receive a voicemail asking me to call Barclays back ( which I did this morning when I spoke to XXXX ). The case number created on XX/XX/XXXX is XXXX. I am unsure what that case states as I did not create it. This has gone on since XX/XX/XXXX. I've lost sleep over this, I've spent hours on the phone seeking resolution. I feel unsupported by Barclays and I need help. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A