Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a credit in the amount of {$5100.00} and the credit card company processed it as a cash advance. I am disputing the {$250.00} cash advance fee and interest charges. The merchant to my knowledge did not process this as a cash advance. The credit card company opened and then closed dispute case # XXXX since I was not disputing the XXXX just the fees without an explanation. They asked me to open another case and then refused to open another case,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
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: 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 my family arrived in XXXX XXXX XXXX XXXX XXXX the late afternoon at XXXX XXXX XXXX XXXX. We had private transportation arranged by the resort from the airport. We were taken to a large room that was being used as the check-in area. My credit card was taken from me to be added to our reservation for incidental charges. The card was out of my possession for an extended period of time while we waited to be checked in. When we returned from our vacation on XX/XX/2023, I immediately checked my credit card account online. I discovered an unauthorized charge of {$1800.00} from a merchant named XXXX made on the day of our check-in, XX/XX/2023. Upon researching this merchant, it is listed as a taxi service. We did not use this service as we had our own private transportation from the airport through the resort. Logistically, the charge doesn't even make sense as we were not in the country long enough to have a taxi charge of this amount from the airport. XXXX XXXX is only about XXXX minutes. Once we arrived at the resort and checked in, we never left the resort until we checked out on XX/XX/2023. I have made numerous phone calls over the past 6 months to XXXX. I have submitted documentation showing proof of our private transportation, proof of our arrival time into the XXXX XXXX, email addresses for our travel agent and staff at the resort to confirm all the information submitted. The credit card company stated that since this is a chip card, I approved the transaction. I did not approve it and the charge was made while the card was out of my possession at the resort. I have requested proof, that the transaction was approved, from the credit card company and it has not been provided. The credit card company said they were unable to contact the merchant and that I should do this. I tried several times using the information found online but there is never an answer to the phone number and no other contact information. This is a fraudulent charge from a fraudulent company. I was told, in writing, that I should not pay the disputed amount and that I would not be charged interest on the disputed amount but I have been charge interest for several months now. I have requested a supervisor/manager to call me to discuss the decision by the credit card company, to refuse to reverse the charge and interest. I have been promised 3 times that someone would call me in XXXX hours, then XXXX hours, then XXXX hours again. No one ever calls. I have had this case reopened 4 times now. I do not believe anyone is actually going to call me or listen to the facts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made two transactions one on XX/XX/XXXX for XXXX and one on XX/XX/XXXX for XXXX which should have been processed as a purchase but was processed as cash advance and I was charged XXXX and XXXX cash advance fees and interest as of todayXXXX at XXXX. If the merchant put it through as a cash advance it should have been declined since my limit on cash advance is much lower.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My old navy Barclays card. I made the payment online and their system was having technical issues and the payment did not come out of my account causing me to improperly get a 30 day late on my credit card. This was not my fault. I am humbly requesting for this 30 day to be removed or not reported to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : Request for Re-investigation of Fraudulent Transactions and Identity Theft Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request that my case of aggravated identity theft be reconsidered and re-investigated by the respective financial institutions : XXXX XXXX, Barclays, XXXX XXXX, XXXX, among others. I have previously disputed fraudulent activities in my accounts with these financial institutions. Unfortunately, I have not been fully reimbursed for the monetary losses incurred due to these fraudulent transactions despite presenting substantial proof to validate my claims. According to the United States Department of Justice, I have been a victim of aggravated identity theft, affirmed by several letters that they have issued to me as proof. This grave situation has not only caused me severe financial distress but has also impacted my credit history. Therefore, I am seeking the intervention of the Consumer Financial Protection Bureau. I kindly urge you to instruct these financial institutions to properly revisit my case and conduct thorough investigations again into these fraudulent activities and transactions. It is crucial for me to recover the money stolen from me and also to ensure that such an incident does not reoccur. To further substantiate my claim, I am ready to provide any necessary documentation or support that would be needed in the due process. I am keen to cooperate fully and provide any additional information as requisite to expedite the resolution of this matter. Your prompt attention and assistance in this matter would be greatly appreciated. Please advise on the necessary steps I should undertake to progress this issue favorably. I, hereby, also extend my sincere thanks for your service in advance. Thank you for considering my request. I look forward to a favorable resolution of this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: We were completely misinformed by their sales representatives when we went to the sales presentation. They lied to us about the availability, the ease of booking and the money we could earn by renting out the timeshare. We felt rushed and pressured into signing the contract and we were signed up for a credit card without our consent, we just thought they were running our credit for the timeshare purchase, not to open a line of credit! We cant find any place/time to book a vacation and their customer service is completely useless, as all we are told is to just book somewhere else. This is completely unacceptable and we no longer want to be associated with them or their timeshare program. We are requesting any necessary paperwork to cancel this contract and refund any money that is due to us. We will no longer be held prisoner by this scam of a product. Their sales representatives intentionally lied to us to get us to sign up for this program and we want to be released from any further liability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX I received an alert on XXXX XXXX that a hard inquiry was done to a company named BARCLAYS BANK DELAWARE. Which I never applied for. I contacted company due to another email that my application was under review. They informed me that there was no application but can be due application was not yet approved. Again I never reached out to company for request of credit service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93454
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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 coordinated a group trip and purchased ( XXXX rooms ) an all-inclusive vacation through XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a travel agency in the United States contracted to book as a representative of the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The dates of stay were XXXX XX/XX/23. My package included unlimited food & drink/ premium alcohol and numerous hotel amenities as a Delux Privilege guest, which I did not receive. XXXX XXXX XXXX stopped all communication on XX/XX/23. Therefore, I refuted the cost with my credit company and was denied credit without explaining the services rendered. My complaint is to have the charge versed for an upcharge of non-existent privilege amenities, sewerage back-up and smell, lack of a/c, no room service, and non-use of the room due to the weather conditions. Additionally, I was relocated after 5 days of complaining to another room, which flooded twice, had drain flies and an ant infestation. The agent language provided after I paid does not absolve the merchant from delivering a paid service and keeping funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02136
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX XXXX Barclays Bank are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX Barclays Bank, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX Barclays Bank never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years, Cal Code Civ Proc 337 Within four years : ( a ) An action upon any contract, obligation or liability founded upon an instrument in writing, except as provided in Section 336a ; provided, that the time within which any action for a money judgment for the balance due upon an obligation for the payment of which a deed of trust or mortgage with power of sale upon real property or any interest therein was given as security, following the exercise of the power of sale in such deed of trust or mortgage, may be brought shall not extend beyond three months after the time of sale under such deed of trust or mortgage. ( b ) An action to recover ( 1 ) upon a book account whether consisting of one or more entries ; ( 2 ) upon an account stated based upon an account in writing, but the acknowledgment of the account stated need not be in writing ; ( 3 ) a balance due upon a mutual, open and current account, the items of which are in writing ; provided, however, that if an account stated is based upon an account of one item, the time shall begin to run from the date of the item, and if an account stated is based upon an account of more than one item, the time shall begin to run from the date of the last item. ( c ) An action based upon the rescission of a contract in writing. The time begins to run from the date upon which the facts that entitle the aggrieved party to rescind occurred. Where the ground for rescission is fraud or mistake, the time shall not begin to run until the discovery by the aggrieved party of the facts constituting the fraud or mistake. Where the ground for rescission is misrepresentation under Section 359 of the Insurance Code, the time shall not begin to run until the representation becomes false. ( d ) When the period in which an action must be commenced under this section has run, a person shall not bring suit or initiate an arbitration or other legal proceeding to collect the debt. The period in which an action may be commenced under this section shall only be extended pursuant to Section 360. Californias Statute of Limitations on Debt The statute of limitations on debt in California is four years, as stated in the states Code of Civil Procedure 337, with the clock starting to tick as soon as you miss a payment. The limitations period begins to run as soon as the cause of action accrues ; that is, from the occurrence of the last element essential to the cause of action. ( Neel v. Magana, Olney, Levy, Cathcart & Gelfand ( 1971 ) 6 Cal.3d 176, 187. ) Reporting this misinformation is attacking my character as a natural person and is in direct violation of my rights as a consumer stated in : FCRA 15 USC section 602, 15 USC 6801, 15 USC 1681 section 604 a section 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ), 15 U.S. Code 1681s- 2, 15 U.S. Code 1681 e, 12 CFR 1016.7, and CAL CODE OF CIVIL PROCEDURE 337. Written obligation ; Four years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX of the preceding year, I received communication from Barclays Bank offering me a significant incentive of 80,000 frequent flyer miles contingent upon my application for a Barclays credit card. In my capacity as a conscientious and law-abiding consumer, I decided to submit an application for a second Barclays credit card, motivated by the aforementioned enticing offer. I did not need another credit card ; Im retired and I travel so XXXX miles would be amazing. Keep in mind, I already have another Barclays personal credit card. They were using my existing account to bait and switch with this offer. Regrettably, I have yet to see the fulfillment of the promised frequent flyer miles in my account. Furthermore, I have not received a refund for the {$95.00} annual fee that was levied, subsequent to my expenditure of {$2000.00} on the card. My primary concern pertains to the non-fulfillment of the promised miles, which I had been anticipating with eagerness. When I engaged with the customer support division in an attempt to address this issue, the response I received was notably disheartening. I received a brief, two-sentence letter that effectively communicated their unwillingness or inability to rectify the matter in an amicable manner. This response gave the impression of a lack of commitment towards resolving the matter in good faith. In light of this unsatisfactory experience, I have opted to terminate my credit card account with Barclays. Additionally, I am pursuing a formal complaint through your esteemed office due to concerns that deceptive practices may have been employed in soliciting funds from unsuspecting consumers. It is indeed disheartening to find myself embroiled in this predicament, and I earnestly implore your organization to take prompt corrective measures. Enclosed herewith, please find an invoice detailing the annual fee that was charged to me, for which I expect full restitution. I have documentation proving that they baited me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A