Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a report from XXXX credit agency that a hard inquiries was reported on my credit report from Barclay Bank that i did not do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 537XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2024 I applied for a credit card in good faith with master card black card but was denied an extension of my own credit violating my consumer rights. According to 12 cfr 1002.7 ( a ) a creditor cant refuse to grant an account therefore I was discriminated against under the equal credit opportunity act as an applicant .This denial resulted in Several violations of my rights including but not limited to 15 usc 1602p Because company used my credit card SSN but no benefit was received by the card holder as defined in 15 usc 1602L. Im seeking compensation for unauthorized use without receiving a benefit because my credit was stolen but I was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I called in to Barclays to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to XXXX, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 3 weeks go by and I received notice that the account was past due. I called Barclays to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. I called to Barclays again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. Fast forward to this past weekend and I receive another notice of collections from Barclays for {$60.00} and now I received notice from XXXX XXXX and XXXX that my scores have dropped by over XXXX points. Barclays is reporting the account delinquent and my credit is adversely being effected. Barclays is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of Barclays ineptitude and unwillingness to correct their errors. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/year> I contact Barclays of Delaware and asked them to please look into why they pulled a hard inquiry on my credit report, and that I did not recognize this. They took my social and date of birth and states that they didnt have any information showing. They told me that I need to call XXXX and request an Acct ID number and call them back. I stated Why would i call you back with an Acct ID if you just ran my social and date of birth and nothing popped up? I ended the conversation and contacted XXXX customer service immediately. He told me that he didnt understand what Barclays meant by an account ID and said he was listing this as fraud. I was asked to complete this report, and once I received a copy, to mail it to XXXX so that it can be removed from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79065
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX, I received a credit alert about a hard inquiry from Barclay 's Bank. I immediately froze my credit through XXXX as they were the ones reporting the inquiry. On XXXX I called Barclay 's Bank and they said they do not see an application on their end and I should call XXXX. I immediately called XXXX and they saw an application submitted on XXXX. I have not applied for any credit. They gave me an old address that was used on the application and a phone number that I do not recognize. They told me to fill out the FTC.Gov forms to fix this and remove the fraudulent inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: Barlcays is making it very inconvenient for JetBlue XXXX XXXX holders to downgrade to the regular JetBlue Card. I called this morning to request a downgrade since I'm not fully leveraging the card benefits, and they said I can only downgrade if " an offer is available ''. Also, if you'd like to downgrade from the XXXX card to the no-fee card, you need to close out the XXXX XXXX and submit a new application for a new regular card. As you may know this affects the consumer 's credit score twice, because you reduce your available credit, and it also adds a new inquiry to your credit score profile. Is this practice legal? Do you know anything about this? It feels like they literally force you into having this card or otherwise get your credit score double penalized for not keeping a card which offers so little benefits. Please let me know if you have any questions or need any additional information, and I'll get back to you as soon as possible. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02115
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair 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 604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After having met the terms of our agreement the account is still showing across my bureaus incorrectly and consistent inconsistencies from one bureau to the next. Completed XX/XX/XXXX Late Payments Error This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? Reporting XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting. Sent XX/XX/XXXX I Previously Disputed This I have new accounts established since my disability which are and all have been in good standing and looking to scale my business ' however this account is obstructing my ability to obtain the business credit required to continue to build my business and wondering IF I can call on you to delete this from my record. I previously disputed this account stating : " This account is incorrectly reporting that I have 7 late payments. On my XXXX report there are 5 late payments being reported. XXXX Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX XXXX Balance Closed in XX/XX/XXXX why is this active? XXXX XXXX XXXX XXXX Status Current Showing 120 days late as well as current Acct showing current but also a discrepancy of a XXXX balance yet also showing 120 days delinquent. Both XXXX and XXXX show 7 lates while XXXX shows five. Closed account in XXXX should not be actively reporting ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84770
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I decided to do a balance transfer with Barclays US for a total amount of {$5300.00}. I called customer service XX/XX/XXXX to get additional information because I received emails saying the same balance transfer went through twice. Which also included the additional fee for the transaction. They couldnt provide me with information on how it went through twice considering my credit limit for Barclays is {$5700.00} and they did not increase my limit. They also did not reverse it even after I asked. They said to contact other credit card companies from where the balance transfer came from. My current total as of XX/XX/XXXX is XXXX and they have not reversed those charges or even made any changes to fees charged twice for the same balance transfer. Now my credit score has gone down in points because that card is over credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92344
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A