Date Received: 2024-02-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Barclays Old Navy reported a 30 day rating under XX/XX/XXXX on my credit report under XXXX XXXX XXXX. This account is also still showing as closed under XXXX when it's still open. See attachments. Reached out about this numerous times, but this hasn't been corrected. This resulting in " OK '' ratings not being reported under XXXX & XX/XX/XXXX. This company had a system issue in regards to processing automatic payments, resulting in my credit card balance becoming past due. They previously notated that I set up automatic payments in XX/XX/XXXX, which is accurate. I set them up again after realizing my credit score dropped over XXXX points and the automatic payments set up prior were not going through. I definitely set up automatic payments prior to being hit with this delinquency, but Barclays did not register it. Unfortunately, this is the only delinquency reported on my credit report and it has been detrimental to my family 's future endeavors. We are closing on a home soon, and this late payment reported by Barclays is costing us tremendously. I never experienced something like this and it couldn't have happened at the worst time in our lives. I rarely utilize the card and I'm regretting ever using it. I'm asking Barclays to please consider removing this late payment from my XXXX XXXX XXXX credit reports. We are already facing high interest rates and high costs of homes. It's unbelievable that a 30 day late payment for a small balance, that I set up an automatic payment for, is affecting us like this. I hold XXXX accounts with this company and have always been up on my payments. Regardless of the automatic payment not working out, if they reached out to me about the payment not going through, I would have paid it immediately. Again, I'm asking Barclays to please " delete '' the 30 day rating reported under XX/XX/XXXX for XXXX and XXXX. And correct the account status from closed to open under XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
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: Other problem
Consumer Complaint: When I reviewed my Barclays credit card statement on XX/XX/2024 I noticed that my credit limit was lowered your credit limit lowered lowered from {$14000.00} to {$10000.00}. This created a situation where I now owed more money than my available credit limit. On XX/XX/2024 I received a letter dated XX/XX/XXXX staying my credit limit was with now {$10000.00} with no notice. I called the next day to ask why I wasnt provided with any notice because it changed my ratio of available credit the rep told me it was because I was a risk. I asked to speak with a supervisor because I wasnt provided notice. He said he was a supervisor. I asked to speak with his supervisor and he said he would have to have that person call me back. I waited a couple days no one called me so I called them back again and told them I would be reporting this to you, the CFPB, and they said they could no longer speak with me and hung hang up. Since receiving the letter, I have now paid {$1900.00} on my balance in order to avoid the fees associated with being over the new credit limit Barclays just imposed on me. Because of this, my other creditors are now lowering my available credit limits, because Barclays caused my credit score to go down. Today XX/XX/XXXX I received a letter from Barclays claiming theyve been trying to get in contact with me and trying to reach me by phone which is a lie, they have never called. I would like this to be investigated as the FCRA requires credit card companies provide 45 day notice of credit limit changes and interest-rate changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Date - XX/XX/24 XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, Wa Action by me - notified the company but did not get any clear resolutions. Complaint Summary : I was deceptively enrolled in a credit card program at an XXXX XXXX store. Despite being offered a rewards program, the store associate initiated a credit card application without my full understanding or consent. I was tired and became suspicious when asked for my social security number, but I feel misled into applying for a credit card I did not want as during the entire process not a single time the word " card '' was mentioned. Detailed Description : - I was approached by a store associate who offered me a rewards program to save money on my purchase. - The associate began an application process that I assumed was for the rewards program.The associate did not mention the word " card '' at any time during the entire encounter. - Without clear explanation, the process shifted to a credit card application. I became suspicious when asked for my social security number. - Feeling tired and pressured, I completed the application, believing I could sort it out later. - I have since discovered that I was enrolled in a credit card program I did not want and did not fully understand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98133
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: Credit inquiries on your report that you don't recognize
Consumer Complaint: BARCLAYS BANK DELAWARE XXXX XXXXXXXX XXXX XXXX, DE XXXX Dear XXXX, I am writing to dispute a hard inquiry that appears on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section XXXX, I am requesting an investigation into the validity of the inquiry and its compliance with FCRA regulations. BARCLAYS BANK DELAWARE ( Commercial Banks ) Date of inquiry XX/XX/year>. This is what I reviewed and I believe that this hard inquiry was made without permissible purpose or without my consent, which violates my rights under the FCRA. According to FCRA XXXX XXXX, inquiries into my credit report must have a permissible purpose and must be initiated with my consent. I have not authorized this inquiry, nor do I have any association with the company listed. Furthermore, FCRA Section XXXX requires that inaccurate or unverifiable information be promptly corrected or removed from my credit report. Since this inquiry was made without my consent and does not reflect any legitimate credit activity on my part, it is both inaccurate and unverifiable.I am hereby requesting that CFPB investigate this matter and provide documentation verifying the legitimacy of the hard inquiry. If no such documentation can be provided, I request that the inquiry be promptly removed from my credit report in accordance with FCRA regulations. Please provide written notification of the results of your investigation and any actions taken to address this dispute within the timeframe specified by FCRA XXXX XXXX you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In or around the year XXXX XXXX XXXX XXXX The Consumers Consumer Report began to reflect the hard inquiry from the Corporation at question that is XXXX XXXX XXXX XXXX and BARCLAYS BANK that does infringe on The Consumers right to privacy- On XX/XX/XXXX of the year two thousand- twenty four- The Consumer did opt out of any presumed or implied authorization for XXXX XXXX XXXX XXXX and BARCLAYS BANK to share or furnish any NONPUBLIC INFORMATION- and did give notice to XXXX XXXX XXXX XXXX and BARCLAYS BANK in regards to their willful noncompliance committed in regards to The Consumer 's rights and the violations thereof-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' If my initial request to verify these items, as outlined in my previous certified mail, is ignored, I'll escalate the issue by filing a complaint with the Federal Trade Commission. It's crucial for a reevaluation of the information to occur. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Without such evidence, the immediate removal of these disputed items from my credit report will be necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XXXX XXXX XXXX Complaints Planning and Reporting Barclay Executive Office XXXX XXXX XXXX XXXX, DE XXXX Subject : Bait and Switch Credit Card Application Dear XXXX XXXX : On XXXX XXXX Flight # XXXX XXXX XX/XX/XXXX, an attendant promoted application for the AAdvantage Aviator Mastercard and gave my partner and me each an application form which he said we could fill out on-line once we are home, which we both did. Logging on to MyAviatorCard.com we both opened the application website where it clearly stated in two places that the first year annual fee of {$99.00} is waived. No problem for my partner who received his card and statement without a fee. I, however, received my card and statement showing there was a {$99.00} annual fee, account ending in # XXXX. I immediately followed up on XX/XX/XXXX, talking with Tambla ( sp? ) and XXXX who both said they could not help me and that it could take up to XXXX billing cycles to clear this up. I stated the promotion ended XX/XX/2024, therefore this would not be acceptable. Case # XXXX was supposedly set up. On XX/XX/XXXX I spoke with XXXX ( ID XXXX ) who stated there was nothing they could do about removing the {$99.00} annual fee as that is how I applied. I pointed out, and asked him to even go on-line to the XXXX web site and see what comes up as I have done it numerous times and in each case the opening frame states in XXXX places that the {$99.00} annual fee is waived for the first year. ( I even did it again today. ) I pointed out I would never have applied for the card if I saw the fee was not waived for the first year as it states in the application received in flight, confirmed by the attendant, etc. The response was the web site offers can change and there is no way the fee can be waived. A written response received states in part .theres an annual fee billed to your account as the application channel like booking path have different introductory offer on the account Therefore, I am formally filing a Bait and Switch Complaint with the federal and state agencies that oversee financial institutions including Barclay Bank . I just dont understand how Barclay could not honor its promotional materials by saying offers change on the web site. I am not stupid and would never have applied if it showed the fee was not waived. Again, my partner, sitting next to me on his computer, logging in to the same web site from the brochure, got his fee waived. The {$99.00} fee now is not my major concern and it will be paid, but my major concern is bait and switch and the refusal to honor an honest application by saying offers change.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclay Bank Credit Card dispute Account Number : XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution under that title. 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( l ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. '' 15 U.S code 1681a ( 2 ) Exclusion ( A ) ( i ) report containing solely as to transactions or experience between consumer and the person making the report. Reporting transition history is illegal The IRS Clearly defines a charged off as Gross or Ordinary income, Income does not get reported the consumer credit report, which in fact makes reporting of this account inaccurate. I demand my account to be updated to paid as agreed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 and XX/XX/2023 I wrote letters to Barclay 's to opt out of their ability to share any items on my personal credit report. Per the FCRA as a federally protected consumer, I opted out of any and all authorization that I, the consumer, may have given them, written, unwritten, verbal and non-verbal per 15 USC 6802 and 16 CFR 313.7. This was to take effect immediately and indefinitely. I have attached a copy of the two letter that were sent and I did not receive a reply nor have the items been removed from my credit. I also contacted XXXX, XXXX and XXXX to have them removed and I was referred back to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I tried to pay this credit card as I do with all my credit cards before payment is due. Their system had been continuously down. And the only late charged were the one with auto pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A