Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Wyndham XXXX XXXX representative at their XXXX XXXX destination accessed my credit report without my permission and on contesting he was not ready to listen and instead started abusing us. We were fraudulently asked to attend their sales presentation and they accessed our personal info as well without our permission. They in addition also duped us of {$40.00} from our credit card and refused to refund that to us I would like to strongly complaint against their behavior and would like to get {$40.00} which they deducted from credit card. In addition we would like to ask for a compensation of XXXX Wyndham points for which they did fraudulent claims, did hard Enquiry on my report without my consent and forced us to buy those points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There was a charge of {$240.00} to my Barclay 's card which I considered fraudulent. To my surprise Barclay wrote off the card, and even after I paid them the full amount, they refused to remove the derogatory mark from my credit report. After filing a dispute through XXXX, instead of removing the remark they suddenly changed the write-off amount to {$11.00} dollars, and now my credit report still suffers because of their poor book keeping and honestly, just general laziness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges that were made on my Barclays Frontier Credit Card on XX/XX/XXXXXXXX XXXX XXXX XXXX. Numerous times, I have spoken with customer service, the fraud department, and left messages with XXXX in the office of the president to no avail. If you look at all the information I've shared, there is absolutely no possible way my mom or I could have made any charges in New York after XXXX XXXX XXXX XXXXXX/XX/XXXX. My name is XXXX XXXX XXXX. My mom, who is my legal XXXX XXXX is XXXX XXXX. Due to my XXXX, I have very little XXXX XXXX. As my XXXX XXXX, a judge has given my mom the legal authority to act on my behalf and help me understand my rights, make phone calls for me, attend appointments with me and support me through the process of challenging any claims against me. Guardian Advocates are governed by section 393.12 of the Florida Statutes. All of the current charges that are left on my account are fraud. I filed complaints with CFPB and the XXXX because its clear that the evidence of fraud that I have provided is not being taken in account. Each time Ive provided NEW information and proof. Each Barclays response states there was no new information provided which is not true. I have received at least four different reasons from Barclays stating why the charges are NOT fraudulent ; however, there is no basis for any of them. I was home in XXXX XXXX. The only valid charge on XX/XX/XXXX was at XXXX XXXX. Please see attached documents that prove when my mom returned to XXXX and that I was in XXXX when the charges in questions were made. The first reason Barclays fraud team gave for saying the charges were not fraudulent was that I was notified of these when they were being made. That is NOT true. I was not notified that any charges were being made on my card in XXXX. I did not realize these XXXX charges were made and that my card was lost on XX/XX/XXXX until I received a payment late notice from Barclays. The second reason I was given the reason that the card was in my possession so the charges were not fraud. No my card was lost in New York. I ALWAYS pay my credit card balances off every month and have always had an excellent credit rating. I have not charged anything on this card since XX/XX/XXXX because I didnt have it. Please understand that I allowed my mother to use my card when she was in XXXX. Barclays third reason they said this was not fraud because I had authorized my mom to use my card. That makes absolutely no sense because she flew home from XXXX on XX/XX/XXXX. Each time I've appealed I'm given a different reason why the charges are not fraud. The documentation I've provided has NEVER been acknowledged. I can provide additional documentation if needed that proves we were in XXXX when the fraudulent charges were made. Barclays continues to charge interest & late fees on these fraudulent charges and ruin my credit score. This is truly a travesty. I have always had an excellent credit rating and paid all my credit card bills in full every month. I have a XXXX have done my best to explain the truth and provide proof but they have never responded to that actual proof that this is fraud. PLEASE UNDERSTAND. WE WERE IN XXXX NOT NEW YORK WHEN THE FRAUD WAS COMMITTED. I have a XXXX and this is causing extreme stress and suffering because Barclays is denying the documentation that proves there is no possibility, we could have made the charges in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I've been a Customer with Barclay 's since XX/XX/2018 and they sent me a letter stating that they won't renew my account? For the most part, I'm on time with my payments. I just completed a financially draining divorce which destroyed my XXXX XXXX and now after almost XXXX years they want to penalize me by abruptly closing my account? It seems arbitrary and capricious in nature. I have other credit card companies who have reviewed my accounts and kept them open because of my XXXX figured income. I like the card and I'm very disappointed with " Barclay 's ".
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear XXXX, I am writing to bring to your attention certain violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of my credit information by Barclays Bank Delaware on my credit reports from XXXX, XXXX, and XXXX. Each identified error corresponds to specific FCRA violations under Section 15 U.S.C. 1681s-2, including 15 U.S.C. 1681s-2 ( a ) ( 1 ) and 15 U.S.C. 1681s-2 ( a ) ( 8 ). These companies have failed in their duty to investigate disputed information. I have reached out to these reporting companies several times, yet they continue to report errors on my credit report, knowingly providing false information. The information on my credit report is outdated and inaccurate. I do not currently owe any money to Barclays Bank Delaware, nor do I have an active account with them. XXXX, XXXX, and XXXX are each reporting the following errors and violations : Error : Date of Last Activity : Discrepancy across all three credit reporting companies. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Correct the inconsistencies in the Date of Last Activity. Error : Payment Status reported as " Collection/Chargeoff '' despite being marked as Paid. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Requested Action : Clarify the payment status accurately. Per IRS a charge account is Ordinary Income and Ordinary Income should not be reported on a consumer report. An account can not both be a collections and a chargeoff at the same time. Error : XXXX consistently reports this account as a Chargeoff every month. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information A charge off only takes place one time this can not report every month as a charge off each month. This is hurting my credit. Error : Comments on account : " Account information disputed by consumer, meets FCRA requirements. '' This comment is misleading and false, as this account reporting does not meet FCRA requirements. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Investigate Disputed Information Error : Date of Last Payment and Last Reported Date discrepancies across all three companies. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information Error : High Credit amounts differ across all three companies. FCRA Violation : 15 U.S.C. 1681s-2 - Duty to Provide Accurate Information I kindly request that Barclays Bank Delaware undertake the following actions : Correct the inaccuracies on my credit reports with XXXX, XXXX, and XXXX to ensure that the information is accurate, complete, and verifiable. Provide written confirmation of the corrections made to my credit reports and delete the account due to multiple violations. I am seeking a remuneration of {$1000.00} per violation of the FCRA, totaling {$5000.00}, to address the harm caused by these inaccuracies. This payment should be mailed to the following address within 30 days or I will take further legal action. [ Your Name ] XXXX XXXX XXXX XXXX, GA XXXX These errors have significantly impacted my financial well-being, and I believe that a fair resolution should encompass both the correction of my credit reports and compensation for the violations. Your prompt attention to this matter and compliance with the FCRA is highly anticipated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my disappointment with the inaccurate credit reporting done by Barclays Bank. This reporting has severely damaged my financial situation. On XX/XX/2023, I noticed a new account on my credit report that I did not open. I immediately sent a notice to Barclays Bank in Delaware, requesting them to validate the debt and remove it from my credit report. I sent this notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX. Despite my notice, Barclays Bank has not responded or taken any action to remove the debt from my credit report. As a result, my credit score and report has been damaged, making it difficult for me to obtain credit, which I need to purchase a home. I am requesting that Barclays Bank of Delaware immediately remove the disputed debt from my credit report. I am also requesting that they provide me with a copy of the validation letter that they sent to the credit bureaus. If Barclays Bank does not take action to resolve this matter, I will be forced to take further action, including filing a lawsuit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I was hospitalized in XX/XX/2023 for having a XXXX, I submitted a XXXX letter to the company asking them to help me ( not to report a late payment ). I made a payment on my account immediately when I got access to a computer. I just need some patience due to my situation. I usually make my payment on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
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 i purchased an engine from XXXX XXXX owns a XXXX locating services. I gave XXXX credit card information to charge my card for {$7000.00} the {$7000.00} charge appeared on my app letting me know that the transaction was completed. XXXX informed me that the funds were not available to him on his side. I had a carrier there to pick up the engine but they would not release the engine because the funds were not available to him at that time. We agreed to cancel the original transaction by having him, reject it to make the funds immediately available back to me. I then called Barclays my credit card company on a three-way call with XXXX to make sure that when he rejected the original payment of XXXX that it came back to my credit card. Once XXXX assured me that the money was returned on XX/XX/XXXX, i then approved a {$3500.00} charge to XXXX and then I sent him {$3500.00} through cash app to complete the transaction of a purchase of a {$7000.00} engine. The XXXX {$3500.00} transactions appeared on XXXX systems and he then released the engine. A few days later, I noticed a an additional charge of {$7000.00} from XXXX XXXX locating services which is XXXX business. I called my credit card company to dispute the additional {$7000.00} charge that process went on for a few weeks, there was some confusion about what I was disputing. They refunded me {$3500.00}. I wasnt sure why I told them again that I was disputing the additional {$7000.00} charge because I sent XXXX XXXX locating services XXXX payments of XXXX which completed the purchase of a {$7000.00} engine. Barclays then took the XXXX credit back. I sent them proof of the XXXX transactions of {$3500.00}, XXXX on the credit card and the other on cash app. I was then informed that the time to dispute the transaction was outside of their terms of disputing transactions. I called back and stated that I disputed this transaction a few days after I noticed the additional charge. Barclay said that that dispute was closed because I already received a credit of {$7000.00} but that credit was because he rejected the original purchase not because of a result of a dispute. And because of all the back-and-forth now theyre telling me that its too late to dispute the same {$7000.00} additional charge that I was asking them to look into from the very beginning but now its too late to dispute. The original credit of the XXXX that I received was because the merchant and I agreed to reject that transaction because the funds were not showing to be available at that time not sure why maybe because of the time of the day had something to do with it because I think it was like XXXX. So we decided to break it up into two smaller transactions. There was no dispute there. We agreed on that with Barclay on a three-way call with the merchant because I wasnt going to authorize an additional {$3500.00} transaction until I felt comfortable with the original XXXX credit return to my cart. So buy them closing the my original dispute that was an error on their part not mines. Please help because Barclays is not playing fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15212
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclays Bank continues to submit inaccurate derogatory ratings to the 3 credit bureaus. They are stating that I am 30 days past due in XXXX. That information is inaccurate. I paid the monthly amount month over month until I paid the account in full in XX/XX/2023. I made good faith payments every month. Also, they were unwilling to work on other matters as well. I put in disputes with all the credit bureaus and as soon as its fixed, Barclays sends out another inaccurate rating and balance due again and my scores go back down. The account is closed. They need to stop sending credit updates ; its paid in full and its closed. I want them to stop doing this to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06810
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a consumer credit card with XXXX. I have had the card since XXXX. I received an invalid interest charge on XXXX XX/XX/XXXX in the amount of {$3.00}. According to the terms and conditions of the credit card agreement, there is no interest charge when the balance is paid in full by the due date. In this particular case, I paid more than the balance due, yet I was incorrectly charged interest. The company indicated that when paying more that the balance due, a technical error in their system improperly charges an interest fee. The bank reversed the charge, however, the bank did not provide a long-term solution to the problem. I have just now reviewed prior statements and determined that there are more charges that have not been refunded. I would like to report the company for failing to comply with their own terms and conditions related to interest charges. I do not think the burden of interest fee compliance should be on the consumer especially with a known technical issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A