Date Received: 2023-08-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: on XXXX XX/XX/2023, Barclays called me, on a recorded line, to ask about 3 charges to XXXXXXXX XXXX XXXXXXXX for {$610.00} each. I told them they were not mine and it is fraud. They told me they would remove the charges and cancel the card and issue a new one. My XX/XX/XXXX statement showed these charges as mine. I spoke with them and was told it takes 3 months to remove the charges. XXXX, XXXX, XXXX, XXXX and XXXX statements continued to show the charges along with interest and fees. I did receive a letter from Barclays dated XXXX XXXX stating I am not responsible for the charges. I called after receiving the letter asking when the charges were being credited off. ( they recorded the call ) I was told another 2 months. I contacted Barclays again on XXXX XXXX, on their recorded line, to ask why the 3 fraud charges and interest and fees have not been removed. They said they would remove al the fraudulent charges and fees. They credited back the 3 fraud charges but not the interest and fees on XXXX XXXX. The interest and fees as of XXXX statement are {$250.00} I called 3 times today to get the interest and fees removed. No idea if they actually did it. I was not allowed to speak to a manager. The collections department has called me 4 times and hung up without speaking with me. Saturday XXXX XXXX XXXX XXXX Saturday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Monday XXXX XXXX XXXX XXXX Not only is the manner that Barclays handled unprofessional, I believe they are creating fraudulent numbers to make Mangers bonus ' better and the numbers look better for the stock holders. Keeping fraudulent transactions, charging fraudulent fees and interest on customers accounts is illegal. ( padding the books or cooking the books ) Over 5 months to take care of simple issues is not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My account with Barclays, XXXX XXXX XXXX XXXX was closed. I made a long term payment plan at $ XXXX monthly till it was paid off. I had been paying that for over a year when I went to make my payment in XX/XX/2023 they said my account was transferred to XXXX XXXX and could not take my payment. I called XXXX XXXX and they had no record of me so I called back Barclays and they said it takes time. In XXXX I got notification that my account was delinquent from Barclays and after calls on XX/XX/XXXX and XX/XX/XXXX they said they could take a payment for the card while it was still transitioning to XXXX XXXX to bring my account current. I was taken out of the long term payment program for missed payments when I was able to make those payments and they were reported as missed through no fault of my own. I contacted a lawyer who wrote a letter that I be reinstated into the payment program and have heard nothing. At this point in time I have made countless phone calls to Barclays and have not found one person who understands what has happened and there has been no effort to resolve this. I have confirmed with XXXX XXXX that they do not have my account and Barclays continues to send me emails as to payment reminders, sometimes Im able to make the payment easy albeit now a high interest charge and sometimes I still have to deal with Barclays saying they cant accept my payment. I am denied online access because my account is closed, however I have a balance that I am paying off. The email for payment just has the date and minimum payment due. This has been a frustrating situation that has affected my credit score and they should be able to see that my account was not transferred and allowed to make payments easily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: Letter below is what I sent to the merchant after waiting several months to this on going issue. I called countless times addressing this issue and was told to wait until the merger was final and I will see the credit on my acct. Barclays have done not tried to resolve this issue during any of my calls to address my concerns. They sent a letter on XX/XX/XXXX stating they received my docs for dispute and it would take 45days to investigate. Then I received another letter on XX/XX/XXXX as this case is closed due to 2 billing cycles has passed and nothing can be done about this issue. I have asked to speak with a manger many times only to be told we will have a manager call you in 48hrs. I never received this call. EVER. Letter below is what I sent to the merchant. Hello, I was told to fax this information because of a missing refund/credit dispute. I received a {$490.00} refund/credit to card ending # XXXX this card was when the acct was with Bank prior to the merger from XXXX XXXX XXXX The refund/credit was processed by XXXX on XX/XX/XXXX from the original purchase on XX/XX/XXXX through XXXX for XXXX XXXX purchase on cc # XXXX. I need to dispute this for credit asap due to the inconsistent information I have received from customer service during countless calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: Mastercard Assistance Center c/o Program Administrator at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the company. I put in a valid claim because XXXX XXXX canceled/delayed/interrupted/disrupted my return home causing my family and I miss a connecting flight. XXXX XXXX refuse to refund me, and this is their credit card ( AAdvantage Aviator ) that was used to make the original flight. Well, XXXX XXXX would not find me a flight home. Therefore, I had to purchase flights from XXXX. This situation that occurred is covered under the benefits of this credit card, and they refuse to pay the claim ( XXXX ). They made up some excuse about a pre existing sickness and all I stated was that my breathing was affected by rushing to catch the plane. This event that happened is definitely covered, and they thought I was going to let the decision be. Here is the benefit : Trip Interruption If a Covered Loss causes an Eligible Travelers Trip Interruption, we will reimburse you for the nonrefundable amount paid to a Travel Supplier with your Covered Card for the following : The forfeited, non-refundable, pre-paid land, air and sea transportation arrangements that were missed ; and Additional transportation expenses that the Eligible Traveler incurs less any available refunds, not to exceed the cost of an economy-class air ticket by the most direct route for the Eligible Traveler to rejoin his or her Common Carrier Covered Trip or to return to his or her place of origin. I want the amount I paid for the XXXX XXXX reimbursed in the amount of {$1100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account BRCLYSBANKDE XX/XX/XXXX No Respond I Have No Account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38834
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Subject : Dispute of Fraudulent Account Purchase and Violation of Consumer Data Protection Laws Dear, Barclays Bank I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply concerning matter that has greatly affected me and my trust in Barclays Bank on XX/XX/2023, I discovered that someone had fraudulently used my personal information for a purchase without my knowledge or consent. I write this letter to request your assistance and removal/deletion of personal information including my name XXXX XXXX XXXX and removal of late payments. In resolving this matter promptly and to bring to your attention the serious breach of consumer data protection laws. The incident came to my notice when I received an email notification about a purchase from Barclays Bank that I did not make. Upon further investigation, The fraudulent activity has caused significant distress and concern for my personal security and privacy. As a loyal customer of Barclays Bank placed my trust in the company to safeguard my personal information. It is disheartening to learn that my trust has been betrayed through a security breach that allowed unauthorized access to my personal data. According to consumer protection laws, I have certain rights as a victim of fraud, which include, but are not limited to : Right to Security : Barclays is obligated to maintain the highest standards of data protection and security to prevent unauthorized access to customer information. Right to Notification : In the event of a data breach or suspected fraudulent activity, customers must be promptly notified to take appropriate action to protect their interests. Right to Dispute : I have the right to dispute any unauthorized transactions made using my personal information and seek resolution from the responsible parties. Right to Confidentiality Barclays is bound by laws and regulations to keep my personal information confidential and not share it with third parties without my explicit consent. I kindly request a thorough investigation into this matter and a detailed explanation of how my personal information was compromised. In addition to avoiding the constant removal and addition of this Fraudulent account I went ahead and paid for the fraudulent account in full. Furthermore, I must express my concern regarding any potential sharing of my personal information with banks or other entities without my consent. Such actions would be a direct violation of privacy laws that are designed to safeguard individuals ' sensitive data. I sincerely hope that Barclays bank takes the necessary steps to resolve this. I kindly request a written acknowledgment of the receipt of this letter and a timeline for resolving this dispute. You can reach me at XXXX to discuss this matter further or provide any additional information that may be required. Thank you for your understanding and cooperation in this matter. I hope we can resolve this issue amicably and restore my faith in the integrity of Barclays Bank
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: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello! Barclays Bank Delaware has pulled my report without permission on XX/XX/XXXX. Ive called numerous times with absolutely no help on removing this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91945
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way that you can validate it. I'm sure you are aware of the provisions of the Fair Debt Collection Practices Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list of the required documentation : Complete payment history, the requirement of which has been established by XXXX v XXXX, XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Proof that this debt has not been written off as a tax liability. Any other intimate knowledge of the creation of the debt by you, the collection agency. I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until this debt is validated. You should be made aware that in XXXX v. XXXX XXXX, XXXX. Civ XXXX ( XXXX XXXX XXXX ), the court ruled that reporting a collection account is, indeed, considered collection activity. You should also note that this is not a request for Partial Validation but rather, its a request for EVERYTHING listed here in order to constitute full and sufficient validation of this debt. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Previously I sent a dispute to Barclays and XXXX to remove two ( 2 ) inquiries made by BARCLAYS BANK DELAWARE. Barclays sent me a letter in response stating they have completed their investigation and made the decision to remove the hard inquiries from my XXXX credit report and to allow up to 1 month for the change to reflect on the report, it's been almost 4 months and the inquiries still on the report. The inquiries are the followings : XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) XX/XX/2023 BRCLYSBANKDE ( BARCLAYS BANK DELAWARE ) I will be attaching a copy of the letter sent from Barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In my XXXX XXXX XXXX XXXX account app, it has a feature called XXXX credit journey which allows you to view your credit score and usage. When reviewing my account, there is a Barclays/Banana Republic credit card being used under my name. I do not have that card nor do I remember ever opening an account with Barclays and/or Banana Republic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A