Date Received: 2023-08-05
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: XXXX a charge was made on my carnival Barclay card from XXXX XXXX for {$1100.00}. This was for XXXX XXXX luggage. I received a box and didnt open the box because from what I was supposed to get was luggage double the size of the box. I emailed the company XXXX asking for an address to return the package. Im the email I got it was missing a zip code. I emailed for months trying to get this information and no one would reply to I just returned the package to shipper then notified the guy. I then got a response but it was too late. I called XXXX to find out if they still had the package so I could change the address since the return to shipper address was different but XXXX said since I refused the package I could no longer receive the package back or make any changes since I was not the shipper. I emailed XXXX letting him know & I forwarded the email I received from XXXX. He still said I needed to retrieve the package even after the email said since I refused the package the shipper would have to notify XXXX. I then disputed the charge with Barclay which was my credit card company. I said I am not paying for something I didnt receive. Barclay said they would investigate. I then got a letter XXXX stating I am responsible to pay the charge since the return happened outside of the return date. Which was not my fault that the shipper didnt get back in touch with me with his zip code. I then stopped paying my credit card. XXXX they tried getting in touch with me through email to make a payment plan. I replied as long as they will removed that charge I will pay & I want in writing that they will remove that charge & remove I was delinquent in my payments. They said they couldnt do that so I said Im not paying since either way it will affect my credit. Now I am trying to get a government job and they ran my financial background and I didnt get the job because of this. I tried working with Barclay but they didnt want to do anything for me. How can I pay them if I cant work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32312
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: 2023-08-03
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 XXXX Purchases were made for the amount of XXXX with my Gap credit Card in Texas, while I was physically in XXXX NY. It all started with a sim swap for a XXXX account where my identity was stolen. Later used fraudulently for a credit line. I did file a police report as soon as I realized that I was a victim of identity theft. I filed the police report on XXXX XXXX contacted Barclays the company for the Gap card too many times since XXXX when I found out I was being over charged with items I never purchased. The Account was closed on XXXXXXXX XXXX XXXX for further investigation. After the investigation they said the activity is valid because the card was identified as being in my possession and chip card technology was used. I'm being accused for something that I'm a victim for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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 reached out to XXXX because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the barclays. I had reached out to Barclays because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from XXXX that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to Barclays on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take XXXX cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a payment agreement on two cards with Barclay 's Bank. In XXXX, I changed my bank account to another bank, and in my error, forgot to update that with Barclay 's. However, I was never notified from Barclay 's that this payment was no longer active and the accounts are now reporting as negative / past due. In fact, I'm receiving confirmations of the payment being due / scheduled each month still via email. Additionally, the charging privileges on these cards were to be restored after one year of successful payments, yet, three years later, I'm still waiting for those privileges to be restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT BRCLYSBANKDE XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card Flexible spending credit card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$590.00} {$590.00} {$590.00} Date Opened : XXXX XXXX XXXX Balance : {$15000.00} {$15000.00} {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$16000.00} {$16000.00} {$0.00} Credit Limit : {$16000.00} {$16000.00} {$16000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XXXX XXXX XXXX Comments : - - Amount in H/C column is credit limit Flexible spending credit card Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Barclays Bank Old Navy XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose. You can not report transactions on a credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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/XXXX using my Priceline credit card I made a one-week reservation to stay at a XXXX XXXX XXXX hotel in XXXX, S.C. from Tuesday XX/XX/XXXX to Tuesday XX/XX/XXXX. We arrived at the XXXX XXXX XXXX hotel around XXXX on XX/XX/XXXX due to a long flight delay. However, there was a NO VACANCY sign at the front desk and the person that came to the window didn't even ask if I had a reservation, didn't even offer an apology, she just gestured with her hand pointing to the NO VACANCY sign. So, we had to leave the XXXX XXXX XXXX and find another hotel, fortunately for us we found a XXXX XXXX hotel that had vacancies, by now it was early morning Wednesday XX/XX/XXXX. So, after having been rejected by the XXXX XXXX XXXX, I decided to stay for the whole week at the XXXX XXXX. I called XXXX to let them know what had happened when we went to XXXX XXXX XXXX to check in and left a voice message, but they alleged they didn't receive it. Fast forward to present, I have tried in vain to resolve this matter with Barclay 's the bank that issued the Priceline credit card. They asked me to provide them with a letter from the merchant XXXX XXXX XXXX stating that they had cancelled my reservation, I called XXXX XXXX XXXX and spoke with a manager who emailed me such letter and I forwarded it to Barclay as proof that the charges for the one-week stay are plain wrong. I also included a copy of the receipt XXXX XXXX gave me when I checked out on Tuesday XX/XX/XXXX as additional proof I'm being wrongly charged. Barclay 's replied that the documents I provided are weak that they needed a letter from XXXX XXXX XXXX stating that the reason for cancelling my reservation was due to no vacancies for the night of XX/XX/XXXX. I called XXXX XXXX XXXX again and spoke to a manager assistant who told me that she couldn't provide such a letter because she wasn't the manager on duty that night. By now I have spoken to several customer service people from Barclay 's who told me they were going to escalate my issue with their billing disputes department, but nothing has happened, I was finally able to speak with XXXX different account managers who even though were polite and respectful couldn't really help me. I have reminded them that I'm a long-time customer of Priceline and of Barclay 's . Having always paid all of my bills amounting to thousands of dollars in full, but they just don't care about that, they are just trying to make me responsible for a debt I didn't incur and for which I'm not responsible. it was XXXX XXXX XXXX who cancelled my reservation not me. For me this isn't about the money, it's about the principle, to do what is right, I have been doing the right thing by being a loyal customer and always paying the debts that I have incurred and are legitimate. These XXXX characters, Priceline and Barclay 's are not really interested in doing the right thing because they continue to harass me demanding payment from me and had sent a negative report to XXXX that is damaging my good name and credit. Last month my XXXX XXXX was considered excellent XXXX but now is only a fair XXXX. I hope that you can clearly see who is in the wrong in this dispute and help me restore my good reputation and credit. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80915
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
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 have been a XXXX plus year XXXX card holder. In late XXXX the XXXX XXXX XXXX XXXX card service provider was switched from XXXX to Barclays Bark. I believe as part of the switch Barclays created a new account number for my relationship without subsequently terminating my prior account number ( my prior XXXX account number was XXXX ). For the the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays reported account late XXXX, XXXX, 120 days late before reporting closure of the account in default. During this time payments were made timely to the new account they established. When contacted for resolution Barclays has indicated they have no record of account XXXX although it is clear they're reporting the account to the credit bureau 's in error. The unfortunate credit reporting error and subsequent inability to resolve has created a hardship and inability to have additional credit extended by other lenders. Your assistance is appreciated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
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/XXXX we disputed the following XXXX charges : XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$320.00} XX/XX/23 XXXX XXXX {$300.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$280.00} XX/XX/23 XXXX XXXX {$210.00} XX/XX/23 XXXX XXXX {$110.00} XX/XX/23 XXXX XXXX {$130.00} Credit Card company investigated and determined the charges were valid. on XX/XX/XXXX and XXXX we disputed the charges again. Credit card company investigated and determined the charges were valid. We disputed again and were denied again. We contacted our local police department and filed a report. We faxed the police report to credit card company on XX/XX/XXXX. we conducted our own investigation and received receipts from the hotels and the name of the passenger. we forwarded those receipts to the detective assigned to our case. in addition, we faxed the receipts to the credit card company. The detective assigned to our case called the hotels and found out who checked in. I am attaching everything we received from our own investigation and what the detective discovered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A