Date Received: 2023-10-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In fall of 2021 I paid off the balance of the account, attempted to close the account and they told me they would pause it. I only agreed if they guaranteed there would be no further charges made. In the ensuing months, the company decided that they would accept a charge from XXXX despite the fact that I told them I did not want any charges authorized. The account was frozen with no charges to be made. I complained about the charge, I told them I didn't want them to pay XXXX, and they reversed that charge. At that time I told them multiple times I wanted the account closed as they violated their promise and charged me without my consent. They continue asking for late fees on a charge I never authorized. I never wanted them to charge that amount, have called multiple times to tell them I will not be paying since they broke their verbal contract with me and that I wanted the account closed. They are continuing to send collection emails despite the fact that they are the ones who broke an agreement with their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 148XX
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: Barkley bank priceline. Be careful when authorization of payments on the computer. This bank only uses one window when you make a payment. Most have a confirmation window! If you answer their E mail about payment & happen to put a dollar amount in the payment box they will take as a confirmation! Then they do not change the next payment amount either. I even called one of their reps who had poor English to complain & got no results. All about money & not trying to work with the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95215
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance to credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also stated consumer reporting agency can not furnish an account without written instructions under 15 USC 1666 b a creditor maytreat a payment on a credit card account under and open and consumer credit path as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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 the company XXXX XXXX ( attorneys at law ) issued several refunds to me from previous payments I had made. The amounts : {$150.00}, {$75.00}, & {$220.00} all showed up on my statement for XX/XX/2023. However the largest amount of {$1300.00} did not. I contacted the law firm and was told that the {$1300.00} had been refunded to my card ending in XXXX XXXXXXXX. This was the account I had when the XXXX XXXX was with XXXX XXXX I contacted Barclays customer service on XX/XX/2023 to ask about the remaining amount of {$1300.00}. I spoke with XXXX who informed me that since it the refund was issued to my old XXXX XXXX account that I needed to contact them because they " still had my account information ''. I contacted XXXX Bank and let them know about the refund. I spoke with XXXX ( male ) who informed me that all of the account information had passed to Barclays and they did not have access to it anymore. He told me to contact Barclays and to file a dispute because the funds would have automatically transferred over within 30 days. I called Barclays back and spoke with XXXX ( female ) that I had spoken with XXXX XXXX and they did not have access to my old account and that I needed to file a dispute. She placed me on hold and asked the receiving department, then informed me that I needed to call XXXX XXXX back and ask for a supervisor because they did have access to my old account. The person they spoke to in receiving said they had access to old accounts that had been transferred. I was told that after I spoke with them ( not before ) I could call them back to file a dispute. I called XXXX XXXX back on XX/XX/2023 and was able to speak to the same XXXX who transferred me to his supervisor XXXX. She informed me that they definitely did not have any access to my old account and that I needed to file a dispute. All of the account information was deleted. So I called Barclays back and requested the Dispute department ( from call options ). I spoke with XXXX who gave me the fax # and information they needed. Attached you will see the letter the mailed me confirming their receipt of the information, and their letter saying they could not resolve it because it had been more than 2 billing cycles. I see no point in yelling at them. The law firm should not have been able to issue the refund to a closed account. If it is able to, then the bank should have been able to successfully transfer the {$1300.00} over to my new account ending in XXXX at Barclays without me having to babysit them. I was not informed of the refund to my credit card ( no one else has ever done this, especially after so long ). I found it accidentally when I went to pay my bill more than a month after the transfer. At that point I was travelling with my family during the summer. Once I returned home I had XXXX kids to get ready for school. The money transferred to Barclays Bank. They would not let me even speak with their dispute department, and gave inaccurate information to me multiple times about addressing this with XXXX XXXX. The only way there is a limit of 2 billing cycles is if they make one up. They have the money and unless they do not know how to do simple accounting, they can find it and give me the refund they were paid for. I have attached proof of the refund from the law firm showing successful. I have also attached my credit card statement showing the other successful refunds, and the fax cover that I sent them with this exact information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account name : Barclays Bank Delaware Request to have this account removed from all credit reporting agencies for the following reasons : 1 : Account Termination Removal Date is XX/XX/, yet its still on my report. 2 : in addition to that, all 3credit reporting agencies have completely different and inaccurate information listed which are last payment date, balance, account numbers and incomplete information all explained In my attached documents. 3 : Also on XXXX, their showing a balance in XXXX Withthe amount of {$2400.00}. O from 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: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was harmed by XXXX XXXX illegal debt collection practices, violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, and misrepresented that the company Barclay Credit card company had legally enforceable claims to debts outside of the applicable statutes of limitations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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 paid old XXXX XXXXXXXX XXXX XX/XX/XXXX {$69.00} dollars for hardship out my account ended up being admitted to hospital miss a 5 day payment they put I didn't pay them in 30 days on my credit report also made XXXX payment of {$180.00} pay early on XX/XX/XXXX instead of XX/XX/XXXX they also lie and say I paid 30 days late again on credit report my payments are on time and are not late. But on my credit report they have it inaccurate and has made my credit poor instead of being honest. I need this company to fix all 3 credit company with the right information because I have proof because there taking it out of auto pay every month and it shows on my bank receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received a credit alert from my credit monitoring service. It said that I had a new account open with Barclays Bank. I did not authorize or apply for a new card with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My saga with Barclays has been ongoing since XXXX of this year ( XXXX ). It is now XX/XX/. In XXXX, someone used my personal information to fraudulently apply for and open an Old Navyist Rewards Credit Card, and then proceeded to make 3 in-store purchases between XX/XX/XXXX and XX/XX/XXXX for an amount close to {$1000.00}. I called Barclays, who I guess services the Old Navcyist credit cards, to report the fraud. They gave me no information at that time about what information they needed from me in order to prove that this was fraud ; they simply told me they would investigate. They investigated, and determined it was indeed me who opened the account and made the charges. So I filed a police report, reported the fraud to the credit bureaus, and provided this information through the mail to Barclays. Barclays claimed never to have received the information I mailed to them. So, I faxed it to them. I also sent them copies of time- and location-stamped digital photos showing that I was not in the locations where the purchases were made on XX/XX/XXXX and XXXX. I did not have location services turned on on my phone at that time, so I'm not sure how else I can prove that it was not me. They have once again denied my fraud claim and are preparing to send my account to collections. This is ridiculous and an insulting waste of my time. My credit history prior to this fraud shows a near-perfect record. I have never opened a rewards credit card of any sort, and though I have made purchases from Old Navy in the past, I have never made a retail clothing purchase for anywhere near the {$700.00} of one of the fraudulent charges that were made to the account. My credit was excellent for my entire adult life until this fraud, and I am outraged. I'm not sure what else I can do to prove that I am not responsible for this account. Hopefully this complaint will help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61821
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had this credit card account for over XXXX years and have never missed a payment or had a return payment all these years. I recently started using a new bank account for payment and this banks has had a funny way of returning payment even when I have available funds to cover the payment. So a meager payment of {$220.00} that I had funds available was returned on first attempt but went through on second attempt, and I tried explaining to my credit card company the issue with my bank after the charged a returned payment fee of {$29.00}. I requested for a customer courtesy waiver for the returned payment fee been that it was the fault of the bank. To my surprise and disappointment, my request was turned down and even when I spoke with a supervisor, it was still not granted. I have never been denied a courtesy waiver of a fee when it is not what I do. I make full statement balance payment and have never missed a payment. This is what customers are rewarded for until my experience with this credit card company.
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: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A