Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was charged {$100.00} on XX/XX/2023 without my knowledge or permission from XXXX. When I called XXXX, they said they had no knowledge of that charge and that they did not receive any payment from me for that amount. I challenged the charge with my Barclay 's Bank Banana Republic Mastercard, and received a temporary credit while they investigated. They refused on multiple occasions to call XXXX, and said I would have to call them, receive a notice of some kind, and then fax it to them. They then sent me to another department, twice, and told me I could call XXXX with that department. Well the other department told me I needed to work exclusively with the fraud department, after two 30+ minute phone calls on two separate occasions. Barclay 's should have all of these phone calls recorded. I was recharged that {$100.00} on XX/XX/, with a letter from the credit card company informing me that, due to my continued history with the vendor, I was responsible for the amount. I was charged another {$86.00} from XXXX on XX/XX/, but like before, I did not approve of this purchase and I am the only person with access to my card. They had to replace my card for a second time, and it remains locked while I try to figure out how my card information was compromised on XXXX 's website. I was told by an agent at Barclay 's that they would not submit my request unless I provided proof from XXXX that I did not make the purchases. I faxed the appropriate paperwork, petition, and purchase receipts to Barclay 's. I received a letter yesterday, XX/XX/2023, that the investigation team found that I am not responsible for the {$86.00} purchase. I called today, XX/XX/2023, and the fraud investigation department told me that they just re-opened my request for the {$100.00} investigation on XX/XX/2023. They will not send me any confirmation information, or otherwise inform me of the investigation process until they approve or deny it. They keep denying this claim, despite the evidence and continued confirmation from XXXX that I did not make these purchases. I have been calling and having meaningless conversations with this department for over two months ; they will not refund me, process the proof I have submitted, or even submit my petition to the appropriate parties from what I have been told. I am convinced they are denying this claim continuously, and I have acted in good faith for over two months to try and fix this issue with the credit card company. When I asked who to send an advocate to speak to, the latest agent told me she didn't know what an advocate was, but that I would need to have my lawyer call them directly. I would appreciate this matter be settled, as I have spent many weeks calling both Barclay 's Mastercard and XXXX, with the former offering no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87505
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ive filed a complaint against Barclays due to the companys malpractice and mishandling of my personal information. The company responded to my first complaint saying that the integrity of the credit system relies upon the accuracy of information provided while showing lack of that itself. When I signed up with Barclays they never offer me in their agreement to OPT OUT from getting my personal information being shared with 3rd party entities as required by law. Therefore violating my right to privacy. In 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged both cash advance fees and interest on my monthly statement on my XXXX XXXX XXXX Credit Card from Barclays for XXXX transactions. I was never made aware that XXXX purchases were considered cash advances nor was I made aware that cash advances were charged interest even if the account was pain in full before the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I never received my statements, which is a Regulation Z violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60423
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had been same day in XXXX tagget, XXXX and some electronic store purchase changes which electronics store they mentioning to in my whole life I didnt gone to that store. I reported fraud and dispute but old XXXX company not resolved it after making couple times complaint. They are haraasing that customer will pay this because of credit score. But I never make any transaction and 15 years history never miss any bills. So please mark this as complaint and if need any details happy to provide those cards was lost stolen some one use and make fraud. Id identity theft also may be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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 or about XX/XX/XXXX a number of unauthorized/fraudulent charges were made to my Barclay 's Frontier Mastercard credit card. I was made aware of this via email notifications received from Barclays, which allowed the first three or four charges ( some TV or wifi service ) before realizing the continuing ( several more ) charges were fraudulent. I immediately froze the account, then canceled all together within the next few hours. I also requested of Barclays that it remove the fraudulent charges charged to my account and that a replacement/new credit card be sent to me at my new/retirement address in the XXXX. Barclays assured me these things would be done, yet two months later nothing has happened. Multiple international follow up phone calls have resulted in no progress for either removing the {$79.00} in fraudulent charges accepted by Barclays or regarding receipt of a replacement card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened up a savings account with Barclay on XX/XX/2023 ending in XXXX. I linked my accounts as requested and deposited two funds totaling in {$5500.00}. They did not state any problems with the first transaction but during the second on XX/XX/XXXX they suspended my account without any notice. I attempted for days to enter my account to access my funds without assistance. I called Barclay where they stated that I needed to send over my ssn, bank statement, drivers license. I provided all the information and then had to call back days later to find out they had closed my account without any prior notice. This was on XX/XX/2023. I was told that in 5-7 business day my funds would be returned to my original account. I waited till XX/XX/2023 to call again because I had not received anything. I called my original bank and they stated not getting any notice of a deposit from Barclay. I called back on XX/XX/XXXX where they stated " it was already cleared, it has been sent, it will be there by XX/XX/XXXX ''. On XX/XX/XXXX nothing had been cleared. I call back Barclay and I am first told it is being sent to my other account. Then I am asked to verify my information. Then finally I am told I need to contact my original back and request that they retrieve my money back. When I ask " why is it a different answer every single time, I just want my money back ''? They had no answer. It is now XX/XX/XXXX, its been 7 business days. I can not seem to retrieve my funds, get a clear answer of their transfer or placement, and the banking support at Barclay refuses to assist me. They have closed my account so I can not even request personally to have them transferred back. This is dishonest service. These are my savings. I have worked so hard for this money and they are treating it like it is nothing. This needs to be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: One of the advertised benefits of maintaining the account was that each person which was traveling on an itinerary for which the fare was paid using the AA Aviator XXXX XXXX card was to receive a free checked bag on XXXX XXXX. Expecting XXXX XXXX and your bank to be true to that representation, I purchased air fare from XXXX XXXX for a trip from DAY>LHR and returning CDG>DAY. Record Locator : XXXX. Upon arriving at the XXXX XXXX to depart on the trip I was advised that the terms of the credit card had been changed, for tickets purchased after XX/XX/2023 to provide that one free eligible checked bag was only available on domestic U. S. flights. Apparently, the definition of eligible bag was changed without notice. Consequently, XXXX XXXX and I were each charged {$75.00} each for our checked bags and XXXX each at XXXX for the return trip. The total of these surprise/shock charges of {$300.00} has been added to my AA Aviator XXXX balance. The addition of a {$300.00} charge to the account balance for something which was to have been free of charge clearly constitutes a significant change in account terms. Even if it did not strictly constitute a significant change in account terms, a change of this sort is nonetheless requires some reasonable notice pursuant to 12 CFR 226.9 ( c ) ( 2 ) ( iii ) ( A ) and ( B ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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 was charged {$82.00} by XXXX XXXX XXXX in XXXX, Oregon. Of that amount, {$27.00} was in unauthorized charges. I reached out the XXXX XXXX XXXX and they informed me that they would provide a refund in the amount of {$27.00} for the charge. That refund did not materialize, so I reached out to Barclay Card to dispute the additional {$27.00} in charges. I began this dispute in early XXXX of 2023 and I received a letter from Barclays dated XX/XX/2023 that a provisional credit would be issued in the amount of {$27.00} for the disputed transaction. I logged into my account and a credit was issued in the amount of {$27.00}, but was immediately rebilled by Barclays for the exact same amount. I contacted Barclays to determine why the rebill was applied and I have not been given a reason and I was informed that a letter explaining the reason would be provided. It is not XX/XX/XXXX and I have received no such letter from Barclays and I have called multiple times with no resolution and no explanation as to why I have been rebilled, after I was informed that a credit in the amount of {$27.00} was authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A