Date Received: 2023-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I write to you today regarding Barclays XXXX two reports of my past due payments to credit reporting agencies. I previously held a credit card associated with Barclays AAdvantage Mastercard ending XXXX. During this time, I paid off my credit card debt in full every month. In XX/XX/, my account experienced fraud ; fraud which I promptly reported to the bank. Charges during the period were refunded pending investigation. In XX/XX/, I paid the balance in full and closed the account. Months later, Barclays finished their fraud investigation and placed legitimate charges back onto the account, then closed the card again. I did not know that this occurred. Upon learning of the charges ( less than {$200.00} I believe ), I promptly paid the charges through a telephone customer service agent ( I was unable to access the account online due to the account being closed. My attempts to contact Barclays Customer Service failed on multiple occasions due to their lack of late-night phone customer service access-times during which I was awake as I work nights. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60406
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A fraudulent hard credit inquiry was made on my credit report on XXXX XXXX XXXX. I reported this to the company Barclay 's Bank of Delaware in XX/XX/. It is still on my credit report. I contacted them again, this month, and they are still not taking action to get this removed from my credit report even though it was found as fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I contacted Barclay 's credit card company on XXXX XXXX XXXX I informed them that I am on XXXX XXXX and no longer working full-time and have had a substantial decrease in monthly income. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX and unable to work. I requested a payment plan to reduce my monthly payments to {$100.00} until I can start working full-time again. I have never missed a payment with them. They denied my request and stated that I didn't qualify and sent me to credit counseling. I can't afford to pay them {$320.00} a month. I believe they are discriminating against me due to my age as I am XXXX and due to my race as a XXXX woman. I can't pay them what I don't have and I am not working full-time and can't work due to my injuries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80239
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: received my statement from barcleys upromise account and was charged over XXXX dollars from XXXX XXXX called company and customer said they would refund the amount and send me a new card aprox the first week of XXXX pulled up my new account and more charges were added to the new card so I called customer service again and was told the first person was wrong and they couldnt stop XXXX from charging me to get ahold of XXXX which I did and they said I didnt have an account with them called customer service back and explained to them I didnt have an account with them and they said there is nothing they could in the mean time XXXX charged my new account over XXXX dollars my only solution was cancel the card which I did
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) regarding my Barclays account XXXX Below is my original complaint : On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( # XXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance. On XX/XX/XXXX, I received a response from XXXX at Barclays ( letter attached ) stating that the reason for the lost check was because I did not have the full account number on the check. Therefore, it was reconciled but was not added to my account. To clarify any confusion, as I stated in my original complaint, I was not the person who mailed the check to Barclays. Since this payment was part of a debt consolidation loan, XXXX XXXX XXXX mailed the check directly to Barclays. It is their policy. When I received this response from Barclays, I immediately called XXXX XXXX XXXX to notify them of this response and attempt to fix the issue. I showed them the response from Barclays. The credit union stated that they did not write the account number on the check because they included a copy of the most recent statement that I had sent to them when I was applying for the loan. I also attached a signed letterhead from the loan processor indicating they included the statement in the envelope with the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27405
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiries on XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Brclysbankde XX/XX/XXXX XXXX XXXX XXXXXXXX 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: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My card gives points for various useages as gas purchases, dining, grocery stores, and other. It also gives points for XXXX maintenance fees and XXXX loan fees. Every month for the past six or seven months I have to call and ask for the points to be awarded for the loan fee. On XX/XX/XXXX XXXX Bank replied they could not help me at this time- they are the credit card bank. I called and get switched from one customer representative to another and am told someone will get back to me in 24 to 48 hours. I either get no call or someone that is looking into it. On XX/XX/XXXX they did not give me points for my loan payment ( XXXX points should have been awarded ) On XX/XX/XXXX again they did not give me my points for my loan payment ( XXXX points should have been awarded ). On XX/XX/XXXX shorted me XXXX points. I have battled them since XXXX on this same problem with no resolution. They shorted me on points in XXXX as well. I moved my loan payment to another credit card for a few months in hopes they would fix the problem after I was assured they would. But no resolution. There statements of how points are awarded as very clear that XXXX points per dollar for XXXX maintenance points and loan payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclays Arrival World Mastercard Promotional Balance Transfer 0 % until XXXX. I am not able to pay off the promotional balance transfer by XXXX because Barclays will only apply my payment to another promotional balance transfer with 2.99 % and a higher balance which will expire on XXXX. I explained that I want to pay off the balance transfer that expires on XXXX so that I don't have to pay interest. They will not make any effort to apply my payment to the one that is expiring in XX/XX/2023. When this balance transfer expires on XXXX I will be charged estimated interest of XXXX to XXXX and the interest rate will then be 29.99 %. I spoke to a manager and they have NO WAY of re-applying my payment to the expiring balance transfer. This is a bait and switch situation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have a store credit card through Barclays. back in XX/XX/2023 I contracted XXXX and missed a lot of work. I also misse y payment due to being so sick! I called Barclays at the end of XXXX and asked them to make a payment plan to catch up and was given dates and authorizations over the phone for several dates for my card payment to be directly taken from my account! To bring it up to date. They assessed one payment and the reported to the credit bureau that I was over 30 days late to XXXX. Which resulted in lowering my credit limit and my credit score and I was not notified even through letter that any of this was taking place. The person on the phone made it seem they were sympathetic that I was going through the after math of XXXX and they were enrolling me in a program to get caught up and all the whole they were plotting against me to decrease my credit limit ; increase my utilization, and lower my score! I have had this card for over 6-7 years and NEVER had a late payment on my credit report! However before last year the store card was through XXXX! I did not start having issues until my card was transferred to Barclays! When I called the company to dispute and try to rectify the problem the rep and their supervisor said they cant see the screen past a certain point. They said they could see that my card had a payment plan but did not see why they didnt go through. There were funds on my account to pay. And if it didnt have funds or for throughly they would had contacted me through phone or mail! Both the rep and the supervisor stated there was nothing they could do!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2023, I received a letter from XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. This letter contained information suggesting I owed a debt to Barclay 's Bank of DelawareXXXX XXXX XXXX XXXX XXXX. This is a judgment, interest, and the total amount attempting to collect is {$6600.00}. The case number is XXXX. I contacted the XXXX 's Office this morning, XXXX, and spoke with the individual handling this case. XXXX XXXX XXXX, Deputy- contact number is XXXX. XXXX XXXX gave me the telephone number to contact XXXX and XXXX. I immediately contacted her via telephone today at XXXX XXXX XXXX. I spoke with a lady named XXXX. I explained to XXXX XXXX that I do not owe this debt. I then requested their mailing address and proof of this debt. I was informed that they would mail out information to me within the next thirty days showing proof of this debt. My major concern is negatively affecting my credit bureau, as well as this hanging over my head.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A