Date Received: 2023-10-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then. I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}. I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account. On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it. That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX. tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 I noticed that there was a past due payment on my Banana Republic credit card ( XXXX ). XXXX XXXX had just sold this account to Barclays Bank, and I was assured by Barclays that my " auto-pay '' would not be affected. Unfortunately, it was affected, and I received a late payment fee. I immediately called Barclays Bank on XX/XX/2022 and spoke to XXXX XXXX. He waived the late fee, instructed me to setup auto pay again, and verified that this was not my fault. He promised me that this would not go on my credit report. However, after applying for a loan at my bank, they informed me of the late payment history ( XXXX of XXXX ). This late payment, and negative credit reporting is the error of Barclays Bank. My auto-pay never should've been interrupted, and I was told that it would not impact my credit history. How is this even legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: My credit monitoring service XXXX XXXX Immediately notified me via an alert that someone was trying to obtain a Barclays Bank Delaware credit card in my name for {$4500.00}. I am requesting that this attempt be DELETED from my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: I have a credit card from Barclays ending XXXX. In XXXX of XXXX I have received a letter from Barclays offering a promotional balance transfer rate of 0 % and 3 convenience checks attached to it. Check numbers were XXXX, XXXX, XXXX. The letter stated that the checks must be posted prior to XXXX XXXX in order to get the promotional rate of 0 % APR until XX/XX/XXXX. The 1st check # XXXX was processed on XX/XX/XXXX to XXXX for {$9600.00}. That transaction was marked correctly on my statement and had 0 % APR. However, the 2nd check # XXXX was processed on XX/XX/XXXX to XXXX XXXX for {$14000.00} was marked in Barclays statement as check # XXXX instead of # XXXX. Because of that Barclay started charging me interest of 20.24 %. When I caught this issue I called Barclays to resolve the issue hoping to reverse all interest charges. The 1st call I made XX/XX/XXXX and spoke to XXXX with ID : XXXX XXXX created the case # XXXX to have the problem to resolved ASAP. On XX/XX/XXXX I called again and was told that the case is still pending. On XX/XX/XXXX I went online at my Barclays account and asked for support in the chatroom. The chatroom said that the letter with what needs to be done was mailed to me XX/XX/XXXX. The letter came in XX/XX/XXXX. The instructions were to call general number. I called again XX/XX/XXXX and spoke to XXXX. XXXX ID is XXXX. XXXX said that XXXX ( previous manager ) didnt create case file correctly, so it was ignored. XXXX created the new case # XXXX. On XX/XX/XXXX I have checked Information on-line. There were no changes to interest being charged and payment breakdown. On XX/XX/XXXX XXXX confirmed over the phone that the check received on XX/XX/XXXX {$14000.00} is check number # XXXX. Barclays insists that the check I signed was XXXX. This is false statement. I never had that check. Im attaching supporting documentation : 1. Promotional letter. 2. XXXX statement when payment was received. 3. Barclays statement with {$9600.00} check # XXXX cleared. 4.Barclays statement with {$14000.00} check # XXXX ( wrong number! ) cleared. 5. Current statement showing different interest Being applied to both transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02467
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The issue is that this debt collection company, XXXX XXXX XXXX XXXX XXXX, is attempting to collect a debt on a credit card that resulted from an identity theft. As shown on the credit report, the original creditor was stated as Barclays Bank Delaware. I contacted Barclays Bank Delaware and informed them the account or card is not mine because I've been an identity theft victim, and the report is not mine. They should close whatever budget is under my name, remove my information from their records, and delete the entire history because it's not mine. Barclays Bank Delaware representative asked for an FTC report, which I drafted and sent to them. They told me they would immediately close and remove the account from the credit bureau, and I don't have to worry about this account again. However, now it continuously reports, and I keep getting harassed by a collection agency attempting to collect a debt on a credit card that was opened through identity theft. I informed them that the account or credit card originating from Barclays Bank Delaware was not mine. They needed to stop attempting to collect a debt under a fraudulent account because it was against the law. However, they refuse to understand and continuously harass me by claiming that this account belongs to me. The report is not mine ; the debt collection is not mine. This fraudulent account was supposed to be removed from the records long ago because it resulted from identity theft, and they refused to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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 was contacted by XXXX XXXX text message XX/XX/XXXX ) saying there was suspicious activity on my account, and they had put a hold/nonpayment on that purchase. I was asked to call. I did. After much discussion the customer service rep found the charge they felt was suspicious plus several others. Same companies, same date, different amounts each charge. Barclays closed the account and sent me a new card/account number. Those charges were removed from the account within a day or two after they were investigated. A day or two later I saw that XXXX transactions had been missed in that fraud claim. ( the rep originally told me that may happen because there were several charges made by the same company/companies ' same date XX/XX/XXXX and to call back and add them to the claim if that happened. ) XXXX XXXX XXXX charged on XX/XX/XXXX and XXXX XXXX XXXX charged XX/XX/XXXX were the XXXX charges missed. I called the XXXX department ( approx. XX/XX/XXXX ) and was told by the representative that those charges would be added to the original fraud charges and removed from my account AND my account would not have to be closed or changed again. However, they were not removed from my account by the time this months statement came out. I have called the company XXXX more times since then. They do not seem to be investigating, removing these fraudulent charges nor responding. I have also hit the " dispute charge " button onthe statement page with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97333
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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: Explained that I did not make the purchase in the amount {$1600.00} and requested for them to prove that I did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BARCLAYS BANK DELAWARE XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/, I initiated a balance transfer offer with Barclays Card US to pay off the remainder of my personal vehicle loan with XXXX XXXX XXXX ( XXXX ). At the time I had a {$0.00} balance with Barclays on a revolving credit line of {$10000.00}. I requested {$5000.00} be transferred, as this was the projected payoff amount of my loan as of XXXX. I chose this date to ensure there would be enough time to process the transfer of funds. For this amount, I was assessed a balance transfer fee of {$200.00} ( 4 % ). The total amount I was to owe Barclays was {$5200.00}. The following week, I received a letter in the mail from Barclays stating that they " could not process '' my balance transfer request due to " insufficient funds. '' Upon reading further, the letter stated that a balance transfer of XXXX XXXX XXXX was attempted and rejected. This was obviously their error as all of my confirmations and documentation within the Barclays website reflected the correct request of {$5000.00}. On Tuesday, XXXX XXXX XXXX ( later due to the holiday ), I once again initiated a balance transfer to pay off my car loan at XXXX ; however, at this time, due to daily accrued interest my payoff had increased to {$5000.00}. This greater amount also triggered a higher balance transfer fee of {$200.00} for a total of {$5200.00}. This amount is {$8.00} more and I was financially penalized by Barclay 's error in processing my initial request. On XXXX XXXX I called into the Barclay 's Customer Service number at XXXX to inform them of this problem and request a courtesy credit in the amount of {$8.00}. I only wanted to be made " whole. '' While the initial representative acknowledged that there was an error, she claimed she could not make any adjustments to the account. Upon my request, I was transferred to a supervisor named " XXXX '' during this same call. When XXXX learned of the situation, she laughed at the absurd amount of the initial balance transfer and assured me she would apply a credit of {$8.00} to my account and I would see this reflect on my account in XXXX10 business days. I was satisfied and considered the matter settled. Unfortunately, the credit never appeared in my account. On XX/XX/XXXX, I contacted Barclays through their internal messaging on their website to inquire about the missing credit. They apparently misunderstood my question and replied with an unhelpful and unrelated answer. I tried again on XXXX XXXX and exchanged a series of messages with more unhelpful and unrelated canned replies and was advised that they didn't have a record of the {$8.00} credit and are " unable to further assist. '' This is unacceptable and I shouldn't have to work this hard to correct an error obviously made by Barclays in erroneously trying to process it for over a XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A