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/23 I generated an online XXXX account to purchase an item that I intended to pick up in XXXX XXXX in XXXX Wa XXXX I live in XXXX, Oregon. That XXXX is XXXX mins down XXXX XXXX from me. I paid using a Barclays credit card.-It was the only online order I placed. XXXX XX/XX/23 I received multiple emails from XXXX XXXX, advising the items I just ordered were ready for pick up in a XXXX XXXX FLORIDA XXXX I immediately called the XXXX number for XXXX to report the fraud. They locked my XXXX account. I told them the items had not yet been picked up ( That's what the emails were telling me, I rescued quite a few that day ) The XXXX associate advised not to worry, they would handle it. -As soon as I got off the phone I called my Barclays card. I reported the fraudulent transaction. They canceled my card. XXXX ( A little over a month later ) I received a letter from Barclays saying they had investigated the incident and they it was not fraud as XXXX provided evidence that the items were picked up. ( Not something I'm disputing, I just said it wasn't me and I never placed the order ) I rang Barclays and filed another complaint. They re-opened the investigation. XXXX I spent XXXX on the phone trying to contact anyone that would help me at XXXX. Three hours later I was able to speak to a lady who identified herself as XXXX. She listened to my entire complaint and advised she could see that I had called in and filed the report on the XXXX of XXXX, but could not see that anything was done about the complaint, or that it was even forwarded to the fraud department. She told me it would be forwarded to the fraud department and that someone would contact me. I asked her to email me some proof that I had spoken to her, since I had no proof of the original complaint. She sent me an email on the same day advising she received the complaint. I have the email. XXXX I received another letter from Barclays advising that the purchase was not fraud, as XXXX provided them with a document that the items were picked up and the purchase went through. I tried again to tell them I was/am in Oregon, and did not place the online order and that someone fraudulently charged my card and picked up the items IN FLORIDA even after I called XXXX immediately XXXX have them stop the pick-up. AND I called Barclays and immediately cancelled my card. Barclays representative said that unless I have proof that it was not me that made the order, they can not do anything. I am stumped. How can I provide that proof? It's as if they want me to find the perpetrator and drag them to their office and force them to confess to fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Barclays Bank for charging me illegal junk fees on my charged-off account. Account Details : Account Number : [ Account Number ] Account Type : Credit Card Account Status : Charged Off Past Due Balance : {$6500.00} Credit Limit : {$3800.00} Written Off Balance : {$5100.00} Total Junk Fees Charged : {$2700.00} Junk Fees : On XX/XX/2023, Barclays Bank charged me a TOTAL OF {$2700.00} IN fees on my charged-off account. This fee is excessive and unfair, and it constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and New Jersey consumer banking laws and codes. FCRA Violation : The FCRA prohibits credit reporting agencies from reporting inaccurate information on consumer credit reports. Barclays Bank 's reporting of this junk fee is inaccurate, as it does not reflect the true balance of my account. The fee is also excessive and unfair, and it is not a legitimate debt. New Jersey Consumer Banking Laws and Codes Violation : New Jersey consumer banking laws and codes prohibit banks from charging excessive and unfair fees. Barclays Bank 's reporting of this junk fee is a violation of these laws and codes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX XXXX this account is reporting inaccurately on my credit report in violation of Federal Law. Those payments were made on time. I am requesting that the inaccurate information be updated to reflect my accurate payment history. Under FCRA, you are required 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: 90278
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, my money was supposed to be transferred to XXXX XXXX XXXX from XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the partner bank of XXXX has been holding all the money for XXXX weeks. Because the XXXX XXXX and the beneficiary name/ account number don't match, Barclays is supposed recall the transaction and return all the money to my XXXX XXXX accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 915XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX I was charged over {$6000.00} for purchases I did not make. These charges were exponged by Barclays. They however continued charging my account for other items I did not make. They refuse to exponge these charges!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I open an emergency cc card with price line to travel to California for my XXXX 's funeral. |Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX the amount was XXXX and I received a credit of XXXX dollars bringing the total owe to XXXX dollars. I started making payments until XX/XX/XXXX were the final amount. on Account Ending XXXX | XXXX XXXX XX/XX/XXXX - XX/XX/XXXX was paid in full. Previous Balance as of XX/XX/XXXX {$100.00}, Payments - Thank You - {$100.00} ( was received, acknowledged and paid in full ) Then additional charges were added by XXXX car rental, of XXXX : I called and spoke with customer service and reported these charges, they open a fraud investigation and advise me these charges would be removed as unauthorize charges. I am now getting phone calls to my personal cell phone and work phone saying that I owe the XXXX, late fees and interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32539
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: Opened credit card account with Barclay Delaware Bank to use for a Carnival Cruise. Was approved and they stated they mailed a card to my address, however, after a few weeks I never received a card and received an email from them showing a balance on the account. I immediately called them and reported I had not received a card and reported this as fraud, they stated they would investigate and send a new card. I received a new card but chose not to activate it, I received another email with a increased balance on the card. Called them again, stated they were still investigating. I ask them to close the account because I decided I did not want to deal with them and all the issues with the card. They stated they would close the account. I received a letter in the mail stating that the charges were verified to be fraud and I was not responsible for the charges. I assumed the card was closed and all was good. However, they have now reported this to the credit bureaus as I am delinquent on the account. I have contacted them several times to get this resolved but all they tell me is to wait 30 days and they will have it fixed. It never gets fixed. I disputed the credit bureaus and received letters from Barclay then stating it was being reported correctly and would not be taken off my report. I did not make these charges ; I live in Tennessee and these charges are in Indiana. I was going to hire an attorney but was told to contact you first. Thank you for your help.
Company Response:
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an alert email From XXXX XXXX stating I have a hard inquiry from this company I have never heard of, i immediately called the company and was told that a credit card application was in fact applied, which I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: First Of All, I want it known that I've Never been Late With Any Payments To Any Of My Credit Cards. On XXXX, I Purchased 3 Money Orders in the amounts of {$500.00} + {$500.00} + {$290.00}, which= {$1200.00} Altogether in order to Pay Barclays Credit Card Company in Full , which was my Balance Owed, & was Due XXXX. I submitted all 3 Money Orders in the Barclays Envelope provided with their Address Showing. Approximately10 days after I mailed my payment I began calling Barclays to Check on my payment. On XXXX They said The Pymt Still hadn't registered. After I Spoke to Money Order Provider, XXXX XXXX, I Realized Barclays was giving me the Runaround, As They instructed Me To Do Many Tasks in which I Followed Every Instruction Carefully. The Excruciating Painful Mental Anguish that Barclays caused me to suffer when my pymt was Submitted Very Early. To add Insult To Injury, After I made the {$1200.00} payment in full a 2nd time Barclays began to falsely & negatively report on my Credit. This Caused my Credit Score To Plummet more than XXXX Points. My XXXX Credit Score was lost due to LIES REPORTED BY Barclays, & I'm Still Working To Rebuild My Credit Score Unfairly. I have attached Proof Of Injuries, Tasks, All Money Orders from XXXX pymt. & XXXX set of Money Orders Sent. It took up to 4 months For Them to Finally Get the Situation Resolved. It was A Long Nightmare & Im Still Suffering every time I Think about all of That. Im Still NEVER LATE PAYING MY CREDIT CARD BILLS!!! Im ALWAYS, ALWAYS EARLY PAYING EVERYTHING! Check my Credit Records!!! The
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Early XXXX, I began to look into my credit in order to boost my score. I have life changes occurring that I now realize how much credit matters over cash. XX/XX/XXXXXXXX I noticed MULTIPLE inquires not authorized or recognizable to me. Below are the inquires to reference to. After placing a call directly to the credit bureau involved I was told I needed to fill out a paper and they would mail it to me after I requested multiple times that he helped and did it for me. Because these are unauthorized and I tried getting them removed from my report my request was not honored I need a payout based on FCRA consumer laws etc. BRCLYSBANKDE XX/XX/XXXXXXXX via XXXX. BRCLYSBANKDE XX/XX/XXXXXXXX via XXXX. Pursuant to 15 USC 1681n I XXXX XXXX, the consumer is entitled to {$1000.00} PER violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A