Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have conntact barclays several times about the misincorrect information that barclays Delaware has under my name yet they have not been responding nor the president of barclays delaware has answer calls even after stating that he will get the situation settled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Barclays Bank Acct # XXXX the account has been paid and it is still reporting as a negative on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My Barclaycardus credit card ( XXXX XXXX ) informed me in XX/XX/XXXX that my minimum payment was {$29.00} on the XX/XX/XXXX statement. Because I was strapped for cash I ordered my bank to make monthly payments of {$29.00} to keep this credit card paid up until I could pay it off. Today I logged into my account to increase the payments to pay it off as I have the cash now. I see that each month they have added a {$40.00} late fee to my account even though I paid the minimum amount they informed me on my bill in XXXX by the due date each month since then. Today I called them and talked to manager XXXX. I asked for the {$40.00} late fees to be removed off my bills. She told me that the {$29.00} was not the correct minimum payment ( even though it appeared on my XXXX bill ) because it did not include additional fees. She also told me that the interest rate was 29 %. I want these fees refunded. I also question whether your agency is going its job to allow a 29 % interest rate on credit cards. Please respond to my complaint. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2019, I was invited to attend a presentation for a XXXX XXXX XXXX I was told the presentation would last 1.5 hours, my family was kept there for 4.5 hours. The representative for XXXX XXXX convinced us to join their organization. They promised my children a trip to XXXX, us a trip to XXXX, a gift card to a restaurant and we we would be under no obligation and could cancel at anytime. We told the floor supervisor that we would not qualify for this we had too much debt. The floor manger took both our licenses and told us she would try to get us approved for for financing and left us in the lobby. She came back and told us, that my husband was approved for {$10000.00} and I was approved for {$6000.00}. We never applied for the credit cards, it was all done by someone there. We were in another room and had no input. I was not informed of the credit terms and did not know they had applied for credit with XXXX and affiliate of XXXX XXXX XXXX. XXXX XXXX lines is one of the stakeholders being sold in the package they offered us. At the end of the presentation when they ushered us into a room to sign a stack of 55 pages. During this time the closing agent XXXX XXXX was talking up the company and talking a mile a minute distracting us. However both my husband and I repeatedly asked him if we could cancel at any time, and we were assured that yes we could. We were given this assurance by the sales agent XXXX, the floor supervisor, and the closing agent. I wanted time to review the documents. All these people lied to us. When I tried to cancel 2 weeks later I was told that I could cancel the contract but would be held liable for the credit card expense. When I spoke with the credit card company that told me that if we did not pay our credit would be ruined. We began making payments while trying to get the contract cancelled. We had an attorney send a letter out to XXXX XXXX and they did not respond to us. I called and wrote to the director and a gentleman by the name of XXXX XXXX with no clear response. When COVID -19 impacted the world the credit card company raised the monthly payments. We could no longer make the payments for a product we did not receive. In reading the documents later I found out if I miss a payment for renewal, they have the right to void the membership. Even though XXXX XXXX collected {$160000.00}. We are currently being sued for a debt we did not willing and lawfully apply for, we have not received any good or services to date, one of the gifts promised had ever been received. As a consumer I need to find a legal resolution to this issue. Please help me find resolution to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment on XX/XX/XXXX Barclay 's said it was stopped payment on XX/XX/XXXX I spoke to my bank, a payment never was requested by them, therefore there was not a stop payment made. We informed the manager, the bank was on the call with me, they refuse to refund the XXXX they charged even after showing proof, the payment was never requested by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To : Barclays Bank Delaware AND XXXX XXXX XXXX XXXX XXXX. I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Companys reported to my credit without permission thats fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I want you to know that I missed the payment on my account due to my being seriously sick and hospitalized. I have lost out on job opportunities because of these late payment remarks. This is ALL because of the COVID-19. I also could not close a home for my family due to this situation. I am really XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78109
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Barclay Old Navy Card opened XXXX and closed XXXX without my knowledge or consent. It's affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: UNAUTHORIZED AND UNVERIFIED INQUIRIES ON MY CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A