Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Miss use of personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/23 I used a Barclays Priceline Visa to purchase round trip tickets to XXXX AL. En route was XXXX XXXX, return was XXXX. I paid and have the receipt. XXXX XXXX added independently ( XXXX has no record ) a charge of XXXX. I brought a fraud dispute with XXXX and Barclays, sent evidence, and they told me to call an XXXX XXXX XXXX # about a flight I did not take or book. I contacted XXXX Office of the President and Barclays Board members when staff did not investigate a charge I never made or authorized. I feel the Barclays credit card is letting fraudulent transactions stand to its benefit and the detriment of an average customer. It is still not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02474
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had a very old debt from 2013 that was bought from one debt collector to another. The second debt collector has threatened to sue me even though I have never made a payment to them. The debt is over the statute of limitations and not required to be paid after 3 years in NH and 4 years in MA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01826
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I was staying at the. XXXX XXXX XXXX in XXXX, ME at room XXXX. I was told to leave. right away. I later found out that there was a fire at the hotel. I left many items in the room. And I there were other items that I ordered which I had to leave due to the fire I am now being charged for these items. I explain this to XXXX and XXXX who I ordered it from. And they told me I would not be charged. I also explain this to AAdvantage So told me they would not charge me, yet they are charging me. I had a conversation on the phone with XXXX who threatened to lower my credit score, which I. do not believe is illegal. I also had a conversation on the phone with someone named XXXX who I explained the situation to and I told him that in this situation. they are supposed to have an investigation and remove and remove the charge until the investigation is done. Yet I see these charges as valid. It's not pending, which is not what they are supposed to do. I'm going to I will list the total charges below which I'm being charged for. My card number at the time was. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate this and get back to me when you can. I appreciate your assistance in this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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 purchased 2 XXXX XXXX XXXX XXXX from XXXX XXXX. Upon opening the seats were very cheaply made and i asked to return within policy of 30 days to request a return. The seats were returned within 30 days. XXXX tracking confirmed seats delivered back to XXXX and signed for. XXXX will not issue refund. I am being charged for goods i do jot have
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: My husband and I both have over 20 years of military service to our names. We have been put through the ringer with XXXX XXXX. XXXX has XXXX XXXX XXXX XXXX XXXX and I don't know how much time I'm going to have left with him nor should we be stressing about this criminal company. Please read the following : SUBJECT : XXXX XXXX We are writing in reference to two contracts that we hold with XXXX XXXX XXXX in XXXXXXXX XXXX We believe that XXXX has misinformed us into signing these contracts. I have a contract that has an exorbitant cost of purchase on it and did not realize until the first payment was charged to my credit card for loan and maintenance fee it was something I could not possibly pay. We were on a party weekend and were wined and dined and on the last day, breakfast was served and a new presentation was given. After the presentation you are always greeted by a sales person who tries to sell more points to you. This time the person who took us back to the room where they try to get you to buy more points ( using high pressure tactics ) introduced himself as a finance manager from cooperate and was assigned especially to us to help us get the most for our money. He told us that we needed to upgrade to a deeded contract as the maintenance fee on our current contract was going up to {$750.00} a month shortly and we were not getting the best deal for our money right now. He did a lot of math on a piece of paper ( wished I had it ) to show how we were in a position to upgrade to a deeded property at XXXX XXXX and we would own it. He said there was only possibly one unit left in the complex to purchase as they all had been sold, but there were clients there now who were thinking about upgrading to presidential status and theirs would be available for us. I guess they upgraded as about hour later XXXX XXXX comes back and states you are all set it is yours and now you have deeded property here and XXXX XXXX points. I will also give you 2 airline tickets to anywhere in the US with this purchase. Airline tickets next happened as they might have been free but it wasnt for XXXX proprieties and you needed to stay on the airline proprieties at XXXX XXXX a night. We were also told that we could rent this property to help offset maintenance fees, and use points to pay maintenance fees. Needless to say we signed another contract without totally looking at figures as he was continually talking while we were signing. XXXX said at end of signing any questions call me and I will be happy to help. Never heard or got a hold of him again. I called numerous times when I realized that this contract was something we couldnt possibly pay. You cant even get to that department by phone. When XXXX rolled around and I saw the loan payment was {$1200.00} and maintenance fee was {$560.00} that they put on auto pay to my credit card I immediately knew I could not pay this. At this point I called corporate and they said there was nothing they could do. No one would help and I was given XXXX XXXX XXXX to try and rent my points. I transferred XXXX points to their vacation plan through XXXX XXXX XXXX to rent these points and I would get 60 % and they would get 40 %. I had 14 days prior to date of rental to cancel ; I never heard from them so I cancelled all points and took them back. I tried getting XXXX, the salesperson, to call me with no success. I left messages with the business office to have anyone call me back about this contract with no response. After spending all of XX/XX/2020 on this we decided to book a few days there as we knew from past experience we would have to attend one of their presentations and we could get their attention that way. On XX/XX/2020 we meet with the assigned person to our account that day after the presentation. We had our contract and told him we needed to speak to someone about getting out of it as we couldnt make these payments. A XXXX XXXX and XXXX XXXX came and talked with us. At first they said nothing could be done and with this, I said I cant pay this in a room of other potential buyers. They said can you wait a minute we will be right back. Upon returning they said they needed to talk to some other people and go back to our room and they would contact us. We were to meet them the next day. Greeted by XXXX XXXX in the lobby the next day the solution was to take XXXX entirely off the current contract and give him his own contract for a short period based on his current health issues XXXX XXXX XXXX XXXX XXXX ) we could file for a hardship and get out of the contract through XXXX. In order to do this XXXX needed to be removed from the current contract and just have it in my name. Pay off my contract with money already paid on other contracts and the remainder owed would be put on a contract solely with XXXX as owner. They would also reduce my contract to XXXX points based on money already paid. This sounded feasible at the time but I ( XXXX XXXX was not allowed to go upstairs as they did not want me involved or seen with XXXX at this point. With this contract solely in his name he would be able to claim hardship based on medical condition and get out of contract. The new contract was written for {$51000.00} with {$45000.00} already paid from previous contracts. A charge of {$5000.00} was sent to XXXXXXXX XXXX for a loan with a 6 month interest free. XXXX XXXX credit cards were also charged for down payment {$5700.00}, and {$650.00}. An auto pay was set up for {$750.00} for remaining loan and {$110.00} for maintenance fee. My deed was retuned and a new contract was written on XX/XX/2020 with me as sole owner of property. When a three month period came and I called XXXX about starting XXXX process, he said nothing was being forgiven because of XXXX. I called again at six month period was told the same thing. On the one year mark I text XXXX XXXX and said I am through I cant pay this any longer and what was I suppose to do, XXXX was bankrupting me. He said call Finance and they would help me. Finance said there was nothing they could do, sell it. Next stop was XXXX which was supposed to be the hardship route. Called XXXX and a girl name XXXX said she was sorry to hear XXXX satiation and would call back in a few days. She gave us her phone number and we have never heard from her again. We have left messages with other employees for her to call, she was either on another line or away from her desk. I again reached out to XXXX and he said we could always walk away and not pay. I said I did not want to ruin my credit rating over XXXX and his reply was at your age what difference does it make. At this point we finally realized XXXX didnt care and it was time for us to take more drastic measures on our own. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. The late payment listed on this account is therefore in violation of the above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90049
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
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 paid for an event, XXXX XXXX XXXX, in XXXX XXXX and I used different payment methods to pay for the event, which was roughly {$5500.00}! The event was cancelled due to negligence on behalf of XXXX XXXX and we were informed the day before the event! XXXX XXXX gave us the option to either transfer our package that we paid for to a different event and they would credit us or receive a refund! They provided us with a form that allowed us to select our bank or their company to apply the refund to our accounts! I chose my banks that I used and I did receive credit from my XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX! My Barclays card gave me temporary credit for the charges, but came back later and reapplied the charges to my account! I tried numerous times and provided the evidence that these charges should have been reversed and the merchant gave permission to reverse these charges, but later came back and fraudulently sent information that wasnt signed by me saying I authorized a No refund policy! I never signed a No refund policy and I never received any credit from the merchant! Im requesting that the remaining {$2400.00} be refunded back to my Barclays card!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: When signing up for electronic statements on my XXXX XXXX card with Barclays I inadvertently made an error on my email address ( inputting XXXX XXXX XXXX instead of " XXXX XXXX' ). A charge of {$5.00} was then made to XXXX XXXX on the card which I forgotten was used as a default payment. As I did not receive email or written notification of the charge and subsequent delinquencies I was unaware of the balance. It was not brought to my attention until a credit reporting agency sent a notification of a decrease in my once excellent credit score, showing that Barclays reported a 30 day and 60 day delinquency. I immediately paid the {$5.00} and although Barclays waived the late fee and interest they refuse to remove the late payments from my credit report. I understand that Barclays is required to report late payments however, I am truly not a credit risk and under these circumstances ( the nominal {$5.00} amount and the typographical error ) I am hoping that they will make one time courtesy adjustment. I also hope that Barclays would do as some other banking institutions do and verify emails when they are input into their system and also send out written notifications of delinquencies, so as to avoid issues like this in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44240
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received a fraud alert from Barclays Credit Card services that 3 charges from XXXX had been posted to my account. I called Barclays customer service within 30 minutes of receiving the notice and explained all 3 charges were fraudulent. I was told they would remove all three charges. I asked if I need to destroy my credit card and be supplied a new card but was told that was not necessary. My XX/XX/XXXX statement showed the 3 charges were removed. I received my XX/XX/XXXX statement on XX/XX/XXXX and one of the 3 charges in the amount of {$110.00} was listed on the statement. I checked my XXXX Account and there was a charge in the amount of {$110.00}, but it was listed to a credit card with the last four digits XXXX, ( see attached statement ). My credit cards last four digits is XXXX, see attached statement. I called XXXX 's fraud investigation and spoke with XXXX, she informed me the vendor had provided documentation that was acceptable to XXXX 's so one of the 3 charges was reinstated on the statement. I explained this was a mistake and ask to speak with a supervisor ; I was denied. I requested and email address and was denied. XXXX XX/XX/XXXX at XXXX XXXX, I spoke with XXXX XXXX after I provided him my name and account number, I was told the computer system was down and I would need to call back. At that point, I filed a complaint with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23322
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A