Date Received: 2023-08-15
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 placed an advance online order with XXXX XXXX XXXX in XXXX XXXX CA. I provided my credit card for the estimated total of {$120.00}, and I requested pizza delivery on XX/XX/23. On XX/XX/23 at XXXXXXXX XXXX I received e-mail confirmation from XXXXXXXX XXXX XXXXXXXX for the amount of {$120.00}. At XXXX XXXX on the same day, a female pizza delivery handed my order, and provided a paper receipt with option for tip. I encircled the option for 15 % and wrote down {$19.00} on the paper receipt. On XX/XX/23, XXXXXXXX XXXX XXXX charged my credit card the amount of {$19000.00} I spoke to XXXX XXXX XXXXXXXX multiple times and visited the store in person with hopes that this can be resolved. I was promised that the transaction will be reversed/money returned but this has not happened, and it has been 2 weeks. I have filed an incident report with the XXXX XXXX Police Department. I spoke to Barclays multiple times asking to please correct this significant financial overcharge by the merchant but no correction was done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a Gap Visa Card for many years and never had a late payment. The card was managed by XXXX XXXX. I received notice that after XX/XX/2022, Barclays Bank would be managing the card. I received instructions to establish auto debiting with Barclays after a certain time. I attempted to establish the auto debit during the time period instructed, but was unable. I contacted Barclays, and they told me to wait another couple of weeks for the site to be available. I did that and was able to establish an automatic debit arrangement for a minimum balance of about $ XXXX/month. Barclays later notified me that my payments were late despite me paying $ XXXX/month. I called Barclays customer service, and they told me that the bill was now over $ XXXX/month due to fees accrued during the time of the changeover. I told them I was unable to pay that amount in one month and requested that they reduce the monthly payment to an amount that I would be able to pay over time, but they refused. I continued to pay $ XXXX-XXXX/month, and contacted them again, and they refused again. Shortly after, they closed the account, sent the case to collection, and began reporting late payments to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 Section 602 states that I have the right to privacy. 15USC1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Frontier Airlines World Mastercard account ending in XXXX Barclay 's has erred in its decision about fraudulent charges that were made in XX/XX/2022 in XXXX XXXX XXXX. Neither my mom or I made the XXXX purchases in the XX/XX/2022 that were previously noted. We have already paid for all the charges we did make in XXXX. Based on Barclay 's response, it seems that I was mistaken that my Mom had a card. This doesn't make sense because she is an authorized user on all of my other credit cards. The fact is that she must have used my card when she was in XXXX and lost it there. I have personally never used my Barclay 's card, but have allowed my mom to use it. I have not been in XXXX for the past 5 years and have two letters that prove I was not there in XX/XX/2022 One letter is from my employer and the other from my XXXX XXXX. Your fraud fax number does not work. I called the fraud department and they told me to send them via regular mail. They are now attached. IN ADDITION, Barclay said that my payments, late fees, and interest would be on hold while the fraud is investigated. Unfortunately, they continue to charge interest and late fees. I had a close to perfect credit score before these fraudulent charges were made in XX/XX/2022. This is very stressful and a travesty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a notification from my identity theft protection insurance company with a fraud account opened in my name. My identity was stolen and used to open a credit card at Barclays Bank. We called and notified them of the fraud credit cart. The credit card was created on XX/XX/XXXX and was canceled, however it has been under investigation with no outcome. Myself and my identity theft protection insurance has contacted them every 7 days, to 2 weeks with no results to remove the credit card from my credit report. It has been over 90 days when Barclays bank said they would complete the investigation. The desired outcome is that the Barclay 's Bank account AND the inquiry be completely removed from all of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I would like to have these unauthorized fraudulent inquiries removed from my credit report XXXX Inquiry : XXXX XXXX, XXXX + Department/Variety and Other Retail ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This has been a surprising trend I've now experienced with different credit providers. They place a hold on my payment after it has been received posted and cleared my bank account. I will get a generic response explaining why they can hold it. My problem is that it incorrectly reflects on my credit when it comes to credit percentage utility and and available credit. It artificially looks like im using the credit and leaves me unable to use credit or take advantage of current promotions like 4 % back on groceries. I've not had a payment returned and I simply asked Barclay to remove hold and what i can do to prevent this. They sent generic response and after stating I will contact CFBP to ensure my rights they want to schedule a call. I just want t be able to plan accordingly plan using my credit. I've become educated on reporting and how this causes negative points, and I'm exhausted of having to resort to CFBP to get assistance they should be offering. I would like these artificial holds to cease, specifically when money has cleared my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98119
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Calls and voicemails started in XX/XX/XXXX from " XXXX XXXX '', a mediation service who said they were trying to mediate payment on a debt from XXXX from a company I didn't recognize but apparently was also named Barclays, which I did have back in XXXX. First and foremost, I filed bankruptcy in XX/XX/XXXX and named Barclays and the most recent debt collector, XXXX XXXX XXXX on behalf of XXXX XXXX ( another debt collector ) as creditors and sent notification was sent. Also, the debt is beyond the statute of limitations on any company being able to take action such as filing suit against me. The last communication I received from XXXX XXXX XXXX, followed the law, and stated as much at the bottom of the letter. Those identifying themselves from XXXX XXXX call from different numbers, the latest being XXXX. This latest XXXX hung up on me when I told her it was illegal for anyone to take legal action as the debt was time barred and because the original creditor and the last name debt collector had been notified of bankruptcy. If documents are needed, I can provide the last letter received from XXXX XXXX and a case number from bankruptcy. Not sure how I could get the voicemails upload with the phone numbers from their calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
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/2023, I purchased an airfare ticket from a website known as XXXX XXXX XXXX XXXX XXXX using a credit card issued to me by Barclay Cards U.S. ( hereinafter Barclay ) account ending in XXXX. Immediately following the purchase, the website delivered an itinerary for a travel on XXXX XXXX XXXX out of a local Airport : XXXX XXXX ( XXXX ). See Exhibit A, page 4. That itinerary directs me to an airline called XXXX XXXX at XXXX, which would supposedly take me on XX/XX/2023 from XXXX to XXXX XXXX XXXX XXXX in XXXX XXXX ( XXXX ) after which another airline XXXX XXXXXXXX XXXX XXXX would take me from there to XXXX, XXXX for a final destination in XXXX, XXXX. Id. On XX/XX/2023, I went to XXXX but could not locate the airline that the itinerary referred me to. The airport security/information informed me that my itinerary was a hoax and no Airlines with that name exists. When I did further investigation, I discovered that the itinerary was indeed bogus as a XXXX XXXX has no presence in XXXX. That is, XXXX directed me to check in with a fictitious airline or an airline that does not exist. The fictitious flight was set to depart at XXXXXXXX XXXX XXXX time. I arrived there at XXXXXXXX XXXX I attempted to call XXXX but their customer service was not operating. XXXXorth mentioning that their customer service number shows a California area code, which would make it XXXXXXXX XXXX California time. I then attempted emails but XXXX did not respond until later in the day. See Exhibit A at 2. In response to my dispute, XXXX fabricated an itinerary that shows a different airline than the one they sent me. It shows XXXX XXXX instead of XXXX XXXX. See Exhibit C at 9. Their entire case rests on that fabricated itinerary, which would place me at fault for supposedly missing my flight. Their entire defense now is that I missed my flight on XXXX XXXX, which according to them would forfeit my entire purchase. However, later on that evening, XXXX sent me an email stating that the flight that would supposedly take me to XXXX ( XXXX XXXX ) was cancelled. Exhibit B. In any event, after a string of email exchange, XXXX finally agreed to refund me but failed to do so within the time they promised. See Exhibit A at 1. Following that, I contacted Barclay ( on or around XX/XX/2023 ) to request a reversal of charges. On that call, I furnished Barclay with the same information list in this complaint. I also informed them that I would be ready to support each one of my statements with supporting evidence. On XX/XX/2023 Barclay sided with XXXX, without even giving me a chance to respondstating that they were not provided with proof that the merchant agreed to refund the credit card account. [ and ] The merchant has not violated the terms and conditions of the sales agreement. Exhibit C at 1. In reaching that decision, XXXX relied on the fabricated itinerary that XXXX sent them, which they forwarded to me after blindly taking their side, substantiating their fabricated evidence, and denying mine. Exhibit C at 9. On XX/XX/2023, I responded with the refuting evidence shown here as Exhibit A to prove to Barclay that XXXX has agreed to refund me, which would address the reason they cited as grounds to deny my request. That information would also show that the information that XXXX provided to them was bogus and differ from the one they sent meat least the ticket and itinerary information. Still, Barclay refused to accept any of the evidence I provided. On XX/XX/2023 Barclay sent another statement citing different reasons other than the one they cited on XX/XX/2023. See Exhibit D. This time Barclay added a new reason not listed in their first response. Here, they indicate that needed to see a cancellation evidence. Id. Clearly, Barclay continue cite generic grounds find more excuses to deny customer requests. Barclay generic statements dont address issues or respond to consumers claims. For example, even though I informed Barclay that XXXX sent me a bogus itinerary, they sent me a generic response that made no sense. Clearly Barclays generic response was not tailored to my specific case. Barclay has a history of siding with fraudulent and predatory merchants. A glaring Example is their previous denial of a similar fraudulent transaction, which necessitated the intervention of a state court. Even then, Barclay, refused to honor the Court order. Clearly, Barclay, in particular, operates with a complete disregard to consumers rights and should be held responsible. should this agency require information on the previous fraudulent charge that had been resolved by a state court, I stand ready to provide the documentation. I respectfully request full investigation of Barclay Cards and applying the law to its fullest extent. I also respectfully request investigating XXXX fraud and holding them responsible for their fardauelent transaction. Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A