Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Back in XXXX, XXXX, and XXXX of XXXX, I received a call from Barclay 's Bank asking me to make a payment on the account. I asked them what they meant by that? They said I hadn't made a payment, and I was two months past due. When I asked them why I was late since this card was on autopay for nearly two years and on top of that I would manually go in there on occasion and make an additional payment, they didn't know how to answer me. The representatives tried to turn it around on me and asked me if I had changed bank accounts. I told them I've had the same bank account for years, so that wasn't the issue. They asked if maybe I didn't have enough funds to cover the payment, but again, I told them that wasn't the issue. More so since the minimum payment on this card has always been low. Somewhere around {$30.00} to {$75.00} max. Again, they tried to make excuses, but they couldn't really answer me. While on the phone with them, I tried to get into my online account, but it wasn't letting me login. I tried numerous times, but I was unsuccessful in logging in. I asked them how I could log in because their online system was giving me problems. The representative said she would help me, then said she would come back as soon as she found out how, but she hung up on me after a long hold period. I didn't give up because I am a responsible person, so I called back immediately, and I explained to the next representative that I had just been on the line with someone trying to get assistance in logging in so I can make a payment. The same thing happened with the second representative. This second time was a bit more blatant, however. She didn't put me on hold, she just said she would help me but ended up hanging up on me as well. The third phone call finally had some success. The third representative listened to me and told me this was the easiest thing to help me with, so she isn't sure why I wasn't being helped or why they hung up on me. She manually reset the password from her end, and I was finally able to log in and make a payment. None of that explained why my autopay ceased to function, or why their online website just decided to stop working for me. After that happened, I went about my way as I thought the matter had been resolved, but lo and behold, nearly a year later I am getting turned down for a mortgage loan because I had a 30 and a 60 day late payment reporting on my credit report for the same time which coincided with this situation. After I was told by the lender that this is preventing me from buying a home, I called Barclays to find out why they are reporting me late. This was around XXXX of XXXX. Please keep in mind that I am now only speaking with foreigners and their English was rough. They told me what I already knew. They said in their broken English, " Oh the system must have been down. '' They also gave me numerous excuses, but in the end, none of them could help me. I then sent letters to Barclays as well as to the three credit bureaus on XX/XX/XXXX, informing them how their system was down and how I was mistreated by several Barclay 's employees while trying to address this issue. The only thing I got back from this is a letter dated XX/XX/XXXX saying the late payments are accurate, but they will place a dispute notice to the credit bureaus. I don't believe this is right, nor is it fair. Understandably, the credit bureaus are supposed to reflect accurate information so lenders can determine who is responsible and who is not. But just because something was " accurately '' 30 or 60 days late, that doesn't mean that it was 30 or 60 days late due to me not attempting to pay them on time. It doesn't show how an account being 30 or 60 days late could actually be a fault of the creditor itself. If a creditor 's auto billing is faulty, or their system is broken, how can the consumer be blamed for it? How about the fact that I wasn't actually notified about this until I was already 2 months late. Not by text, e-mail, mail, calls, nothing. I shouldn't be blamed for their auto billing system malfunctioning one day after it had been working fine for nearly two years by that point. And I definitely should not have to suffer credit damage for the next 7 years because of it. AND I absolutely should NOT be suffering credit denials due to this. Can you please talk to Barclays and have them fix this problem they helped cause? I'm losing out on opportunity after opportunity on homes because of this problem they helped cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is from the original case number XXXX. The bank offered me a payment plan of {$230.00} a month they said they did not get payment so they took me off the plan. They also told me not to pay for 2 months because of the Hawaii wild fire. See attached, and the payment plan will resume. I have made 2 payments in XXXX. I am asking this complaint for a second time be sent back again since this was never handled correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96793
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an email stating I have an hard inquiry with Barclays Bank Delaware. I never applied for that nor have I ever heard of them as well. It says the date was XX/XX/. This was done without my consent I had no knowledge until checking my email and credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was informed via e-mail in early XXXX that I had a payment due for a credit card that I never applied for. I contacted the company, Barclays, and reported the account as fraudulent. Their agent said it would be done. A month later, I received another statement. I contacted them again and was told that nothing had been done, but an investigation could be opened. I was then informed that their investigation determined the account to be legitimate, and they refused to close the account. I requested they re-open the investigation and submitted proof of a data breach from the XXXX XXXX XXXX website as the likely source of my stolen information to create the account, as well as my filing with the FTC for identity theft and a personal statement that the account was not opened by me. They continue to report the account as valid to XXXX, despite my request to have it disputed and removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
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 charged us over {$10000.00} for the creation of two online landing pages for our company. They set up the admin rights under waltoe and not our firm. When we cancelled the mo. subscription we detected the fraud that was committed and they refuse to relinquish property that is not theirs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: JetBlue Fraud Investigation XXXX On XX/XX/XXXX, I landed in XXXX, XXXX. I went to a furniture store, my car was broken into and my suitcase, bag, and the pouch with a wallet and credit cards were stolen. and cash, I had one XXXX card in my pocket that I thought I would pay for when I entered the store, the thieves shopped at XXXX with all credit cards, ( all credit cards returned all charges to me, including XXXX XXXX, ) the thieves shopped with credit card XXXX for {$950.00}, auto report immediately that evening to XXXX. And to the other credit companies, they also sent me an alert of the card theft, that evening I ordered a plane ticket home and the next morning I returned home to Florida because I don't have credit cards and cash, on XX/XX/XXXX I returned back to XXXX, I made a purchase at XXXX, ( at the same XXXX that the thieves bought. I didn't know the thieves shopped at this store ) I paid {$560.00} before that the cashier tried 7 times with the XXXX card without success I brought XXXX to the card it worked, today on XX/XX/XXXX the bank charged me {$950.00} after that they checked, when they claim that because I bought at XXXX then there is nothing to do. So I do business with them ... that's why they charge me, it's just unbelievable, all the other banks told me I have nothing to worry about and so far everything is in order, but because I bought from XXXX so it doesn't count ... I don't give up on them and they want to receive the the money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX I received a notification that my XXXX credit report had received a hard inquiry from Barclays Bank in Delaware. I immediately contacted XXXX and inform them that that was a fraudulent inquiry as I had not applied for any credit. They told me to contact the company which I did, and Barclays wanted me to give them my social security number which I refuse to do. I told them not to issue any credit to whoever was applying because it was not me and later received a letter from Barclay wanting me to provide my driver 's license which of course I did not. As far as I know Barclay did not provide the scammer with any credit however the hard inquiry is still all my credit report and it knocked XXXX points off of my credit report. I called the XXXX again today to tell them that they had not removed the and they told me I needed to come here to file a complaint so that they could remove it. I don't understand why they didn't tell me this when I called them XX/XX/XXXX when the fraudulent inquiry was made regardless I want this hard inquiry off of my record I have never applied and it should have never been on my record to begin with because I have always had a fraud alert on my account so I don't understand why a hard inquiry could even appear on an account that has a fraud alert on it to begin with. Thank you very much XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
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: Barclays has not resolved fraudulent use of tow credit cards
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: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Received XXXX percent offer, went online and accepted offer, after a week of not seeing the payment show up I logged on to XXXX 's and they flagged me for Fraud. I cleared the fraud process, and wait a week no payment. I call and they flagged me for fraud again. It has now been over two weeks no payments and my account is working properly. I paid the credit card out of savings and I am now deprived of earning a significant rate of return in my investments and there may be potential tax implications. I have also applied for a new credit card and have received several notices requesting the same information over and over again. XXXX 's needs to develop the appropriate internal controls immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60565
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A