Date Received: 2023-10-16
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 the fraudulent account on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these fraudulent account is still reflected on my credit reports. I was expecting that I can count on them to protect my information and to provide accurate credit reports. There are multiple inaccurate information on my credit report the balances, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have attached the FTC report together with my driver 's license and proof of address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-10-16
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My wallet was stolen from my office about XXXX XXXX on XX/XX/2023. A police officer came and made a report about XXXX minutes later. Once the police left, I immediately notified all of my credit cards. Upon talking to my Old Navy Credit Card, sponsored by Barclay 's, I was informed someone had just made a puchase for {$44.00} at a mall about 15 minutes away. I was told it would go into review and the charge would be removed from my account. On XX/XX/XXXX, I received a letter saying that because chip card technology was used it must have been in my possession and the charge was valid and being put back on my account. At that point I called the number on the letter and was given an ID number, case number, and an address to send by regular mail a letter and a copy of the police report. They did not give any option to submit electronically. So, I immediately put a letter with the police report in the mail as directed. I just received a letter dated XX/XX/XXXX stating that because I did not provide proof, they are reinstating the charge plus interest. I called today and was told their system wasn't working and they can't help me, I should call back some other time. I have to paperwork to prove the card was not in my possession at the time. It's very easy for them to state they didn't receive if my only option is snail mail. This is bad business to not respond to customers, and to not give us a way that proves we sent our proof. How is this legal? I would like my refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In early XX/XX/XXXX i reached out to speak about a XXXX $ fee for their AAdvantage card. I said i wont be traveling and needed a different type card because it didn't make sense to pay and not be able to use the card they suggested since i had an excellent payment record that i not close the account but pay the fee then ask a supervisor to help me navigate a more fitting card The supervisor never called with XXXX different messages left. Sometime layer they called to say i disputed my payment. This is another lie. She said well they flagged your account so i will need to authorize your checking account. I normally always used my debit card. Eventually with numerous calls and nearly XXXX hours of conversation with this company i realized they couldn't have used my trust account. The XXXX argued with me again today for almost XXXX hours about my account being closed and me having them try to take it out of a closed account. This never happened. Eventually, after countless hours and struggling with the foreign speaking XXXX, I called XXXX XXXX and they verified that XXXX XXXX was closed a year and a half earlier and they had not used that account and they made stupid mistakes. she finally realized they had attempted to use an old account. As XXXX XXXX was acquired by XXXX in XX/XX/XXXX. They were attempting to continue to use my closed account and bill me more and more. They ultimately continued to bill and bill and never found a replacement card or called me back. I need my credit company fixed and any and all fees reduced ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Receive a XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the mail on XX/XX/2023 and an email welcoming me " to your XXXX XXXX XXXX XXXX XXXX card account '' on XX/XX/2023. I NEVER APPLIED FOR THIS CREDIT CARD. VERY CONCERNING! I tried to contacting the bank that issued the card, my call was disconnected. BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75225
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: As I told you in my first complain, I had to make a payment of over {$2000.00}, which usually goes out automatically from my account this time I did not want it to go from the regular account so I gave them a different account number and the routing number, where to take the money out from They did not listen to me they tried to take it out from the regular account so the money was not there so it bounced. They charged me for bouncing it and now instead of fixing the promise they going to fix it they are charging me interest on top of it I dont think its right they know that they made a mistake And they should not charge me anything for it. I want my charges and interest returned to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/23 a transaction was posted on my card that the Company recognized as fraudulent and they informed me. I confirmed it to be fraudulent and had them close the card. Four days later, another {$1100.00} transaction was posted with an XX/XX/23 transaction date, a transaction that I did not initiate nor have any idea who filed it. When it posted, I reported it to the Fraud team who said they would investigate. Two billing cycles later, when it remained on my bill, I complained that they still hadn't removed it. They simply declared the transaction valid without any info related to the investigation nor how they determined it was valid. I had no participation in it. The company keeps adding interest. I have a 9 page document that illustrates all the exchanges with the company that I will attach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair creditor reporting act this creditor has violated my wrights. Under 15 USC 1681 section 602 it states that I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish a account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I am paying XXXX XXXX interest on this card and they keep on raising my limit ( without my permission ) in order to cover the additional finance charges. My debt is a bit over $ XXXX and I pay over $ XXXXmonth in order to try and pay off this card. I have been a good customer for many years and so I thought that I would surely qualify for a rate reduction. I called and asked and was told that their current policy is to not grant rate reductions. I asked where I could appeal this decision and was told that their current policy is to not allow appeals. I dont understand how a company can not allow an appeal to a decision make by somebody who works in a call center. Further, I can not continue to pay over $ XXXXmonth for very much longer. Im on a fixed income and with prices going up and my social security actually decreasing ( because of the increase in XXXX premiums ) Im terribly afraid that this card is going to max out soon based solely on the interest and I dont want to default. My question is, under the current laws, do I really have no recourse to appeal this decision?
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: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays has posted my account as delinquent, damaging my credit, while ignoring my repeated attempts to get them to acknowledge and correct their failure to enter correct information on my account showing I never owed a charge from a merchant which I contested and which the merchant withdrew after I filed a XXXX complaint against them. There were two improper charges of {$52.00} made by the merchant, and Barclay sent me notifications on XX/XX/2023 ( Case ending in XXXX ) that I had a provisional credit for the first {$52.00} dispute and another a notification that I had a provisional credit for the second disputed charge of {$52.00} on XX/XX/2023 ( Case ending in XXXX ). However, the second charge continued to appear on my subsequent monthly bills despite my telephonic requests and written requests ( my letters to Barclay XX/XX/XXXX and XX/XX/2023. This continued even after the merchant advised me in the XXXX complaint that the charges had been withdrawn. Telephone calls to Barclays were inconclusive since none of their representatives was able to speak XXXX without such a heavy accent as to make them unintelligible. Barclays has never responded to my letters or given me the results of the " investigation '' the supposedly conducted into the bogus charges of the merchant which were subsequently withdrawn by the merchant who made them. Instead, they have continued to seek payment for a charge they were reimbursed for as well as charging me interest and fees on a dispute which was resolved in my favor. I would be happy to provide copies of the referenced documents but the CFPB upload restrcts uploads to 10MB and they all exceed the limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: old navy, Barclays Mastercard is a very frustrating card. even though i paid by balance in full every month, i was still charged interest. this happened for several months and then i locked the account. even though the account is locked, i am still being charged and then they added late fees and interest. i tried talking to the company, but they wont fix this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A