Date Received: 2023-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Barclays collection firm, XXXX XXXX XXXX : Firm File No. XXXX issued a court summons witnout stating the date of my court appearance. I have NEVER EVER DONE business with Barclays and NEVER EVER OWNED a XXXX XXXX and CERTAINLY NEVER EVER REQUESTED a XXXX. I have NEVER EVEN RECEIVED a statement from Barclays. This notification from the collection agency, XXXX XXXX XXXX is the first I've heard about it. In XX/XX/2023, I returned XXXX XXXX XXXX 's form letter stating that the amount quoted {$1000.00} is not my debt. I also telephoned the firm on 5 occasions : XXXX. XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX -- 2 times ; Mon. XXXX. I have left numerous messages, which were never returned. I do not know whether this is a scam or not. I have been the victim of identity theft in the past, and this appears to be the same thing. Seniors like me are constant victims of scammers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: First, my credit score has always been above XXXX until recently. I opened a Barclays XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. On XX/XX/2023 I received a letter from Barlcays notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. Barclay 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. The credit card number ends in XXXX with Barlays XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. I also sent a letter to XXXX XXXX regarding the same on XX/XX/2023 and notifying them I have dispute Barclays Report..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
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: Barclays Bank Delaware was paid off.They said they would remove it from my credit reports after I paid it off but them and the credit agencies haven't done anything to delete it from my credit reports. XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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 was a victim of identity theft and numerous charges showed up on my Barclay 's Gap Good Rewards Mastercard and I filed a dispute with them for many transactions. The fraudulent charges were {$20000.00} and I have documentation showing that my credit limit was only XXXX XXXXXXXX. Barclay 's shouldn't have allowed anything over this $ XXXX credit limit. I never authorized an increase in my credit limit. I have contacted Barclays ' numerous times to resolve this, and they credited me one of the fraudulent amounts, but they were unable to resolve the other transactions that were identical in nature. Barclay 's never explained why my balance was allowed to extend {$10000.00} over my credit limit. I faxed them a dispute letter on XX/XX/XXXX discussing all the fraudulent transactions along with information showing the identity theft. I have reached out countless times to get an update on my dispute, but I have never gotten an answer as to why they allowed the credit limit to be exceeded so significantly. My hope was that Barclay 's would credit my account for all the fraudulent charges. It doesn't appear that is going to happen. I have repeatedly submitted disputes and they continue to say the charges are valid with no explanation. I don't feel like they reviewed any of my identity theft documentation. I filed a police report for my identity theft because many charges were made on different cards and other cards were opened in my name that I did not authorize. Barclay 's is the only company that has not resolved fraudulent charges on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a balance transfer 0 % interest expiring XX/XX/XXXX and in XXXX i took another one that is due XX/XX/XXXX at 1.9 % interest ( so i have XXXX months ) in XX/XX/XXXX i sent XXXX in payments that was suppose to go towards my XXXX promotion but the bank said there system poilcy sends it to the 1.9 % interest XXXX even though i have XXXX months to pay it off and the XXXX promotion i still have to pay XXXX this month or else its 29 % interest which is crazy the money should have been applied to my XX/XX/XXXX promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-06
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 used my Barclays Jet Blue Credit Card to pay for a flight from XXXX ( XXXX ) to XXXX XXXX ( XXXX ) on for a flight on XX/XX/XXXX at XXXX XXXX. I purchased XXXX tickets for my husband and two children on XX/XX/XXXX in the amount of {$680.00} times XXXX. On the date of travel our airplane was never even at the airport. We were delayed XXXX times and did not take off until around XXXX XXXX. We were not offered any food and kept being told different stories. Due to the significant delay, we had to cancel dinner plans as well as our baseball game. We lost additional money. According to the XXXX website, significant delays can signal a refund particularly if they do not rebook your flight which they told me they couldn't do. So I disputed the charge with the credit company Barclays. Barclays credit card customer service told me in three separate instances that Jet Blue only had XXXX days to respond to my complaint. If not it would be ruled in my favor as they have not responded. So I received XXXX provisional credits on my credit card. Jet Blue did not respond to them for about XXXX weeks and without notice I was once again charged for those XXXX tickets. Barclays has now said that due to their merchant agreement, services were rendered and merchant is due payment. However, I did not get the services that I paid for and feel that if I had used another credit card the company would look out on my behalf. I can not also believe that I was told by three separate employees that Jet Blue only had XXXX days to respond. I did contact Jet Blue before Barclays but they were only giving everyone a {$150.00} hour despite our flight taking off XXXX hours later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I paid off my personal loan to barclays in full on XX/XX/XXXX. I followed up with barclays to see where my overpayment check was on XX/XX/XXXX. They said they will mail the check to me for {$730.00} for overpayment of personal loan balance on XX/XX/XXXX. I called on XX/XX/XXXX to see where my overpayment check was for {$730.00}. They said the check was sent to an old address and they will look into creating a new check to be sent to my new home address. To this day I have not received my overpayment check of {$730.00}. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclays Personal Loan Team Manager XXXX at XXXX keeps telling me the same thing that they are researching/looking into cutting a new check to be mailed to my new address. Barclays has been researching a new check for me since XX/XX/XXXX. I need help getting my overpayment check for {$730.00}. I do not understand how it can take over 5 months to issue a new check for {$730.00}. Please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 16666B : A creditor may not treat a payment on a credit card account under any 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: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: I am currently experiencing financial hardship and unable to make my current monthly payments on my Barclays credit card. For weeks, I had been trying to enroll in Barclays longterm hardship program, for which I am qualified for, via their website. With this program, my XXXX would be reduced to 5.9 % and my monthly payments would decrease to {$180.00}. Unfortunately, I received error messages every time I tried to finalize the enrollment. I finally called their customer support to get assistance with enrolling on XX/XX/2023. During this phone call, the account manager informed me that I would need to go ahead and pay the {$180.00} at the time of enrollment in order for me to be successfully accepted into the program. Due to the financial hardship I am experiencing, I was unable to pay the {$180.00} on the phone at that moment. The customer service agent informed me that I would be able to go through their website ( as I had been trying to do before ) to enroll once I had the money. She emphasized that I would just need to go ahead and pay the first payment of {$180.00} upfront. Later that night, I was able to scrap together the {$180.00} that I was told I needed. I went through the steps on their website to enroll and submitted a payment for {$180.00} specifically for the hardship program ( I did NOT authorize money to be taken from my bank account for a regular payment ). The next day, XX/XX/2023, I saw that the money had been taken out of my account, but there was no proof of enrollment in the hardship program. Upon calling the Barclays customer service line, I was informed that I had not been enrolled in the program and I would need to now pay {$170.00} to enroll. I asked if the {$180.00} I had already paid could be refunded and they refused. The pressed me to pay the additional {$170.00} to enroll via phone. I gave in and scheduled a payment for the {$170.00} payment over the phone. When I asked for proof of enrollment, they were unwilling to give me anything that confirmed I had been enrolled. Instead, they advised that I would receive a letter at an unspecified time. Because I was unable to get any confirmation, nor had I gotten a refund for the {$180.00} I had already paid, I canceled all scheduled payments. I am now working with my bank to dispute the {$180.00} that I did not authorize for payment outside of the hardship program. I am unsure what to do next as I am now still not enrolled in the hardship program. The longer I am without the program, the closer my account gets to being considered delinquent. I am trying my best to avoid this but Barclays is refusing to work with me, despite me being qualified for the program. I am needing assistance getting enrolled in their hardship program and being refunded the {$180.00} I paid under false pretenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays charged me two {$10.00} cash advance fees, one on XX/XX/XXXX and one on XX/XX/XXXX, but I did not get ( or ask for ) a cash advance, and one is not listed anywhere on my statement. I disputed the charges and Barclays sent a letter stating " We are currently unable to complete your request. '' However, they also charged me for that -- INTEREST CHARGE-CHECKS, OT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A