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: On XX/XX/2023, two charges were made on our credit card, using a " XXXX '' machine. Both charges were in identical amounts of XXXX XXXX ( or {$4200.00} total ) to two businesses located in XXXX. On this date we were traveling from XXXX to XXXX, using rail service. We learned of the fraud charges after returning to the US and receiving the credit card monthly statement. We immediately reported the fraud to Barclays. The company initially responded by reversing the charges on XX/XX/XXXX. We told the company that we still possessed the credit cards, and they issued new replacement cards. Following their investigation, they reinstated the charges on XX/XX/XXXX. On XX/XX/XXXX, we received two contradictory letters from Barclays, one saying we were not responsible for the charges, and the other saying we were responsible. On XX/XX/XXXX, we mailed a letter to Barclays sitting out our position of why the charges were fraud and how our credit card was out of our view on separate occasions on XX/XX/XXXX. On XX/XX/XXXX, we received another letter from Barclays, confirming their decision that the charges were valid and we had a responsibility to pay. We still dispute this decision. We note that a " XXXX '' device is hand held, some small enough to fit in a pocket, and easily used for fraud. We received no impression from Barclays that they actually investigated the two companies located in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I went to a XXXX by Wyndham timeshare presentation on XX/XX/XXXX. I attended the presentation with my fiance XXXX XXXX. The presentation was held in XXXX XXXX, California at the XXXX at the XXXX on XXXX XXXX. Our presentation was at XXXX pm, however we arrived early ( approximately XXXX pm ). The desk/check in agent was named XXXX. He said he would have us meet XXXX, who was finishing up the last presentation. XXXX said that we would just meet with XXXX, and XXXX informed us we would not be attending the group presentation, since we were there so early and he did not want us to wait too long. XXXX sat down with us some time between XXXX minuets after XXXX. He asked us several questions about how we travel and what our travel goals were. He explained the benefits and perks of the timeshare program. XXXX of which was a Wyndham Rewards Credit Card. Both XXXX and I stated that we were not interested in a credit card each time it was mentioned. XXXX then offered XXXX several point rates. We said we were not interested in those packages and they were out of the range that we could spend. He asked us to fill out a credit check application to see what other options we would have. This was completed on XXXX ' XXXX. He offered us a version with lower points and an mentioned the ability to finance a down payment. Following that conversation, XXXX said that our credit came back very good and he would be able to get us completely financed. He said that I needed to verify our eligibility for a loan. ( he always said loan while talking about this part, never credit card ). He sent a link to my phone number ( he had entered it wrong the first time ) and a text arrived at XXXX pm. The text read : " Hello, XXXX Thank you for considering Citizens Pay to finance you XXXX XXXX XXXX XXXX Please click the link below to check your eligibility for a XXXX XXXX XXXX of XXXX to finance your club XXXX XXXX XXXX *Website here* Thank you, XXXX XXXX " I clicked the link on my phone and filled out a form with similar information to the credit check. As I completed that form I got a verification code texted from XXXX XXXX and put that in the form. After completing the form a few moments went by while it verified eligibility. There was a note at the bottom of XXXX of the screens that said this check would not effect my credit history ( paraphrasing here as I can not recall the exact verbiage ). At no point did anyone mention that it would or could be be used for a credit card. The website stated that I was eligible. Then it showed a loan amount with a slider below it. Under the slider were numbers that showed interest rate ( 22 % ), monthly payment, total cost of loan, total cost in interest and other information provided when you sign up for a loan. There was a large continue button at the bottom. I did not press this button. I closed the website on my phone. XXXX and I decided that we did not want to pursue this option, mostly due to the interest rate and the total payments would have been around {$250.00} XXXX and we felt that was too high. XXXX had stepped away and when he returned we told him that we decided to decline. XXXX said not to worry, he would get the decline paperwork. He returned with at second person, whose name we can not recall. He had a dark beard and spikey dark hair he was approx. XXXX feet XXXX inches and slender. He brought another lower offer for around $ XXXX and very very rapidly talked about using a the XXXX credit card and the Vacation SideKick programs ( this was a discount program that was part of the perks of the timeshare ) to offset the costs of financing the XXXX program. He mentioned the credit card several times. Each time he brought it up, XXXX and I both said that we did not want a credit card. After he finished his very rapid pitch, I said that was far to complicated and we do not want anything to do with a credit card. He said ok and thanked us for his time and left. XXXX also thanked us for his time and said he was going to go. Another person was going to do an exit survey and then get us our vacation gift for attending the presentation. Another gentleman with reddish brown hair, who was about XXXX foot XXXX inches came to the table with a survey. We can not recall his name. He asked us a few questions. He then offered us a temporary membership that included XXXX points, Vacation SideKick that expired in XXXX years. This cost {$2000.00} and would lock in the rates for XXXX years. XXXX and I decided this was worth using this as a XXXX XXXX and traveling. We said yes and I paid with my credit card. He said that he was able to use the information in the system from when we input it into XXXX ' XXXX. He sent some documents to sign via XXXX, which arrived at my personal email at XXXX pm. They were sent by XXXX XXXX, who we did not meet. I read and completed the forms. I specifically made sure that I was not signing up for any loans, credit cards or anything with a recurring cost. The forms said that there was no interest rate and no further money required. I completed the forms at XXXX pm. I received an email from XXXX that they had been completed at XXXX pm. While I completed the forms, he got us the information for our gift vacation. We completed the conversation and he showed us to a window where XXXX was sitting at a desk. He asked us a few questions about the presentation and our plan. I am not sure what time we spoke with him, but I think that it was approximately XXXX pm. I think I got the email from XXXX at this time. At no point did I approve a credit card, was asked to apply for a credit card or was shown terms of service for a credit card. When XXXX and I got home a few hours later ( around XXXX pm ), I noticed that I had gotten an email at XXXX pm from XXXX XXXX XXXX XXXX that said : " Hi XXXX, Welcome to your new XXXX XXXX XXXX XXXX account. Your new card should arrive by mail in a plain white envelope in approximately 710 days. Along with your card, youll receive details about your new account and instructions for activating your card. With your card in hand, youll also be able to set up online access to manage your account at XXXX a convenient way to view your account activity, make payments and more. Look for more information from us about our services, plus additional tips to help you make the most of your new account. Thanks for choosing the XXXX XXXX XXXX XXXX. This email is intended for : XXXX XXXX and sent to XXXX for account ending in XXXX You have received this email because you have been approved by XXXX XXXX XXXX XXXX. Privacy Policy Please Do Not Reply to this Email This is a notification-only email that can not accept incoming replies. To send us an email, simply log in to XXXX and click contact us to send your message securely. XXXX XXXX and XXXX XXXX XXXX are a registered trademark used under license. The XXXX Rewards Earner Card is issued by Barclays Bank Delaware, pursuant to a license by XXXX XXXX XXXX Visa and Visa XXXX XXXX registered trademarks and used under license from XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX, XXXX FDIC. '' None of the documents that I signed included information about this card or anything from XXXX. On XX/XX/XXXX at XXXX am I called XXXX customer service line. I used the last XXXX of my social security number to access account information ( I also do not have a card yet, so I do not have the complete account number ), but had an issue because my phone number did not match any account. I was eventually able to proceed to the menu where the system stated that I had a {$2000.00} limit and no balance due. I finally talked to a representative. I had to explain the situation 4 times to the representative who kept asking what company charged my card. The representative had an XXXX accent and said her name was XXXX. I stated that I wanted to close the account and have it removed from my credit history because I did not authorize the account and I did not want it. She finally stated that she would close the account and remove it from my credit history. She verified my information and said that Accounts XXXX XXXX contact me in the future. XXXX acted well here, but the issue is that XXXX Wyndham used my information and applied for a credit card without my knowledge, consent or permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My issue is that in XXXX of this year I disputed a charge from XXXX XXXX and the investigation was found to be in my favor. I was told by a rep ( XXXX on XX/XX/XXXX ) at the card company that on XX/XX/XXXX the amount of {$230.00} and change was credited back to my account and then on XX/XX/XXXX it was refilled and then recredited on the same day and then again rebrilles on XX/XX/XXXX. It is not clear why, even to the representative. I had spoken to many representatives all telling me different things. 3 of them ( XXXX who I spoke to on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX on XX/XX/XXXX ) all promised me a refund that they have still not credited me. Im not only confused about how this charge keeps appearing, but also how a company could keep promising a refund and not delivering. Also how they keep recharging me and not even notifying me why!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 182XX
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: 2023-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After getting a full report of my credit I noticed there are a few inquiries I do not recognize, and I did not sign up or get an account with the following companies, BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX nor have I received proof of me with a contract/ service given from their companies. I also noticed that there are additional credit inquires for a company I do have accounts with XXXX XXXX XXXX I have 4 open accounts dated : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX this is only a total of 4 inquires that were made there is a total of 10 added inquiries I feel are duplets that were reported for one account twice on different dates the following dates I did not do the following inquires : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( reported twice for same date ) XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XX/XX/2023. As for these dates no accounts are open, All open accounts with company dates have inquires listed which are the four I only have knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: my identity was used under false pretense
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company continues to call me after I sent them a certified letter asking them to stop. They refuse to address the Illegal or unethical communication tactics. The Excessive phone calls must stop.They have continued to try and collect a debt I do not owed.All of these reason violates FDCPA. Furthermore, they refuse to address the issue of their violation and simply mark this as a duplicate complaint. Im going to refrain an attorney if they do not stop calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. I have an XXXX XXXX and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. All I am trying to do payoff my account but they will not communcate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Continued unlicensed debt collection and harassment. Barclays is bankrupt and I'm in the process of foreclosing on them. The debt is fraudulent because Barclays commited fraud which was exposed by the collapse of XXXX and now Barclays is bankrupt. They are currently in default. I complained to the DFPI about their unlicensed debt collection activity previously. Complaint-XXXX. XXXX of compliance sent me a letter acknowledging that they did not hold the required license and that I would receive no further communication from them. The XXXX said they closed the case as a result of that letter. I just received a letter from a separate debt collector who also did not have a license number. This is extreme harassment. I've had people break into my home twice as a result of the ongoing fraud that Barclays in involved in. Cease and desist. Stop contacting me. Pay me NOW! Stop making loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Barclays Bank has an account still opened that I never was associated with. I never gave my consent to anyone to use my information to open this fraudulent account. Only I can determine what is fraudulent under law and this is account has never been associated with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have had a XXXX XXXX XXXX XXXX account with funds accruing in it since at least XXXX. There is no way to communicate with XXXX other than email as they do not provide a phone number to call to talk to anyone. I have included a screenshot of the various email communications with XXXX over the years. Noteworthy, is an email in XX/XX/XXXX where they sent an email informing me that I needed to log into my account because I had been inactive for months and need to show activity on my account. I did so, and you will see there were a few emails from them after that through XXXX. I have not received email communication from them since XXXX. This month, I went to log into my account as my XXXX kids are now in college and want to transfer the college savings account to pay for college. Upon logging in, I received a message ( see one of the attached screenshots ) that my account was closed due to 30 months of inactivity and that if I clicked the button they would reactivate my account in the amount of {$2100.00}. Since there is no other way to communicate with them other than email, I immediately emailed them requesting assistance with my missing funds and remaining balance. They created a " ticket '' ( again see screenshots ) and informed me a few days later that they had rectified the problem and reopened my account but took all the funds and left me with a {$0.00} balance! In an absolute panic that they have now taken all my XXXX college fund money, I again emailed them and have not heard anything from them!! Please help me as I can not imagine that it is legal for them to take all my XXXX college savings account money like that- certainly not without informing me that some action was required on my part and also that they can simply seize the money that I have held in this account for all these years??!! I am in absolute panic here that this has occurred, and I am in need of assistance. Please let me know if you need any other supporting details or information and I will provide what you need. I thank you very much in advance for your time and attention to this very serious theft of funds. Thank you. Since it is a federally taxable XXXX XXXX account, I should have full reinstatement of all the funds that were in this account prior to them closing it without notification. There is no way for me to know the final balance at that time since they have subsequently erased it. The last balance I have is XX/XX/XXXX of {$2100.00} so I know it was more than that. Additionally, if they were willing to replace {$2100.00} when I initially tried to log back in this month, why would they be able to take that from me after I have requested their assistance for reinstatement?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A