Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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 contacted my bank Barclays about a refund with XXXX for {$57.00}, I never received. I returned the item in store on XX/XX/2023 at XXXX ( XXXX security camera can confirm ) and even took a picture of the item being in store before leaving because the lady did not give a receipt since it was originally ordered online ( picture I provided Barclay thats shows I dropped off the item, even shows XXXX items and Customer Service Desk in the background ). After a month went past, I reached out to XXXX, who told me to open a dispute with my bank. I did and after opening one, over two weeks go by & I dont hear anything from Barclays about it even though I forsure provided proof. I contact Barclays & speak to a manager who tells me they reached out to XXXX & confirmed it was returned and I would see a credit in a few days. A few days go by & I dont see a credit, I receive a letter in the mail after asking the manager that day to re-send the letter that he said was apparently sent out to me about a credit. When I received the letter, the letter stated the opposite and stated Barclays investigated and XXXX refunded me on XX/XX/2023 for {$17.00} and my dispute is considered closed but in my favor. I was completely confused from this letter because 1. I NEVER received a credit for {$17.00}, 2. There is no activity on my account at all on XX/XX/XXXX, XXXX. How is it considered closed when I paid {$57.00} for the item and not {$17.00}, so even if they refunded me {$17.00} in which they didnt, that still doesnt equal to {$57.00} how can you even give less than half a refund when I returned the whole thing which was one item and that one item was a mattress topper. Barclays claim to have investigated the issue with XXXX but it seems as though they didnt. I receive a letter dated XX/XX/2023 about how they were going to investigate and then on XX/XX/2023 it was all completed within such a short period of time. I called on XX/XX/2023 about this letter because not only does it state the complete opposite of what I was told, its filled with lies. Barclays did NOT investigate this transaction at all, and most likely thought I would just accept the letter and move on, or completely forget. I never received a refund from XXXX for that amount on that day, I researched my account looking for it and there is NOTHING of the sorts, I double checked bank statements and transaction history. On XX/XX/XXXX, after calling Barclay multiple times about this letter and to explain to me why they did not actually investigate this and why the XXXX would they say I was refunded on this certain day and I actually wasnt. I asked the representative to find the transaction on my account to confirm with the letter I received and she couldnt and stated she was confused on why I received the letter as well. I asked this dispute representative to put me in touch with a Manager to get to the bottom of this and also re-open my dispute and actually investigate it because as of XX/XX/2023 I still dont have the refund of {$57.00} not even a partial refund from it and I dont have the product. The merchant CAN NOT keep the product and keep my money as well. Every representative refused to allow me to speak to a manager and stated one wasnt available, even though they were unable to figure this out. I asked for them to set up a call back with a manager because this letter is inaccurate. The representative who refused a manager then told me on the phone that a entirely different charge for a completely different purchase from XXXX which amounted in {$16.00} on XX/XX/2023 and a different one for {$0.00} was the refund that I was owed from the dispute of {$57.00} and refused to listen when I stated multiple times its not, that was an entirely different purchase and XXXX still owes me {$57.00}. I also asked for proof of this information and if that is what XXXX is claiming and not just the representative herself, to provide ME that documentation that shows what she is claiming is coming from XXXX themselves because at this point its all he/she said. Barclay Mastercard is basically speaking on behalf of XXXX without showing ME the customer any proof of communications with XXXX. I would like all proof and the receipts XXXX have apparently provided to Barclay that shows the {$16.00} & {$0.00} are directly related to the original charge of {$57.00} because if an investigation was actually done & Barclays reached out to XXXX they would give me the supporting documents that were used to verify I was refunded but BARCLAY CAN NOT DO THAT BECAUSE THEY DID NOT ACTUALLY INVESTIGATE. I am making this complaint to have the company that closely monitors Banks contact Barclays so they are AWARE of what Barclays is doing, have Barclays re-open my dispute, and also provide me all the documentation that the merchant provided to support the {$17.00} that was apparently refunded to me. Once again I have NOT received a refund from XXXX, I bought a mattress topper for a total of {$57.00}, I RETURNED the mattress topper that cost {$57.00} but have yet to receive that refund to my Barclays account. I also have yet to receive a call back from Barclays as of XX/XX/2023 even though I was told someone would call me back after being refused a manager multiple times on XX/XX/2023. I called at least six times on XX/XX/2023 trying to get this resolved and at this point XXXX is refusing. As of XX/XX/2023 I tried reaching out to Barclays again about the issue. I reached out to their billing disputes department and regular department by calling XXXX which is the number listed on the letter and called XXXX which is listed on the back of my card. Ok today XX/XX/2023 the associate I first spoke too acted clueless on what I was talking about, so I once again asked for a manager where I was put on hold for a long time & then I get told either the manager isnt available or the associate tried to relay a message of what the manager apparently said, even though I have asked multiple times to speak to one MYSELF, as the regular associates employee, XXXX who works in the disputes department, I spoke to on XX/XX/2023 could not get manager on the phone after asked for one more than two times and stated it takes 48-72hrs for a call back. When I called multiple last week and more than 72hrs have passed. I am also attaching pictures of the original letter I received, and also the same letter I received again after asking the associate to mail it out to me again, the day I asked this was on XX/XX/2023 as the first one hadnt showed up yet. The reprint of my statement is not actually my statement it was the letter about the {$57.00} being in dispute. Please also note, I am attaching pictures of my call log, of me speaking to Barclay on XX/XX/2023 where I was told the {$57.00} would be credited to my account within a few days. The same number I called, is the same number on the back of my card. Please also note the dates of the letters I received of Barclay closing my case & saying I was issued {$17.00}, it is dated XX/XX/2023 a day before I spoke to an associate who never once on XX/XX/XXXX mention anything about what the letter said nor did he ever state I was already apparently credited, I wasnt told the dispute was closed either on this day even though on his end he could see this letter as he was the one that told me a letter was sent out & I simply requested it to be sent again because I did not know. This employee willing withheld this information from me while I kept asking when did Barclay speak to XXXX, when will I receive something stating Im being credited the {$57.00}, I can see now all the questions I asked this associate he just lied because why not mention & say whoever investigated the issue apparently said I was credited already. I would advise ALL Barclay card holders when filing a dispute with this XXXX disgusting company to get ALL documentation & communication that went into investigating the dispute as it is our right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have contacted Barclays ban/gap card several times regarding an unpaid debt : I was dealing with XXXX XXXXXXXX and my credit and finances were used without my consent. Barclays contacted me several times but I was unable to pay. I have been contacting Barclays since XXXX of last year 2022 to settle the debt. I have been told on several occasions that the account was sold to another creditor and that I would have to wait until I am contacted. I have never been contacted and this is causing a hardship on me because I am trying to rebuild my own life as well as my children. I cant do that because this debt is holding me back. I cant pay it because for an entire year Barclays Bank cant even tell me who has the account. Ive been told by Barclays representative to call back constantly because they may get the account back. Every single time that I fall Barclays Bank has no information for me. However they wont remove the debt. I dont know what else to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS BANK DELAWARE XX/XX/2023 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on BARCLAYS BANK DELAWARE and I noticed that this unauthorized inquiry had been made : { dispute_item_and_explanation } I contacted BARCLAYS BANK DELAWARE, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your help and assistance. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90045
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
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: AS OF XXXX XXXX XXXX XXXX XXXX after speaking to not only XXXX customer service, billing department and disputes department XXXX, XXXX, and XXXX myself and the XXXX of the XXXX, IL XXXX XXXX and XXXX I can confirm Barclays in fact did not reach out to XXXX in regards to my dispute I raised of {$57.00} by XXXX for not receiving my refund and being owed money. XXXX has advised me to dispute this through my bank in which I did. No wonder Barclays can not provide any information on the investigation and just say they talked to them over the phone. XXXX closed my dispute and has refused to reopen it even though they state they confirmed with XXXX it was returned and XXXX would credit me within a few days but then XXXX is stating they never even spoke to them. Re-open my dispute with XXXX for {$57.00} and credit me the amount I am owed from this merchant which is {$57.00} as its been months and they have yet to refund me and XXXX had stated they confirmed with XXXX it was returned but not credited. Also to NEVER send me a letter filled with XXXX lies again, double check your XXXX employees work, because they pulled {$17.00} on XX/XX/2023 out of their XXXX and did not do their job. ALSO MAIL ME A XXXX LETTER I contacted my bank Barclays about a refund with XXXX for {$57.00}, I never received. I returned the item in store on XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX camera can confirm ) and even took a picture of the item being in store before leaving because the lady did not give a receipt since it was originally ordered online ( picture I provided XXXX XXXX shows I dropped off the item, even shows XXXX XXXX and Customer Service Desk in the background ). After a month went past, I reached out to XXXX, who told me to open a dispute with my bank. I did and after opening one, over two weeks go by & I dont hear anything from Barclays about it even though I forsure provided proof. I contact Barclays & speak to a manager who tells me they reached out to XXXX & confirmed it was returned and I would see a credit in a few days. A few days go by & I dont see a credit, I receive a letter in the mail after asking the manager that day to re-send the letter that he said was apparently sent out to me about a credit. When I received the letter, the letter stated the opposite and stated Barclays investigated and XXXX refunded me on XX/XX/ for {$17.00} and my dispute is considered closed but in my favor. I was completely confused from this letter because 1. I NEVER received a credit for {$17.00}, XXXX. There is no activity on my account at all on XX/XX/XXXX, XXXX. How is it considered closed when I paid {$57.00} for the item and not {$17.00}, so even if they refunded me {$17.00} in which they didnt, that still doesnt equal to {$57.00} how can you even give less than half a refund when I returned the whole thing which was one item and that one item was a mattress topper. Barclays claim to have investigated the issue with XXXX but it seems as though they didnt. I receive a letter dated XX/XX/ about how they were going to investigate and then on XX/XX/ it was all completed within such a short period of time. I called on XX/XX/ about this letter because not only does it state the complete opposite of what I was told, its filled with lies. Barclays did NOT investigate this transaction at all, and most likely thought I would just accept the letter and move on, or completely forget. I never received a refund from XXXX for that amount on that day, I researched my account looking for it and there is NOTHING of the sorts, I double checked bank statements and transaction history. On XX/XX/XXXX, after calling XXXX multiple times about this letter and to explain to me why they did not actually investigate this and why the XXXX would they say I was refunded on this certain day and I actually wasnt. I asked the representative to find the transaction on my account to confirm with the letter I received and she couldnt and stated she was confused on why I received the letter as well. I asked this dispute representative to put me in touch with a Manager to get to the bottom of this and also re-open my dispute and actually investigate it because as of XX/XX/ I still dont have the refund of {$57.00} not even a partial refund from it and I dont have the product. The merchant CAN NOT keep the product and keep my money as well. Every representative refused to allow me to speak to a manager and stated one wasnt available, even though they were unable to figure this out. I asked for them to set up a call back with a manager because this letter is inaccurate. The representative who refused a manager then told me on the phone that a entirely different charge for a completely different purchase from XXXX which amounted in {$16.00} on XX/XX/2023 and a different one for {$0.00} was the refund that I was owed from the dispute of {$57.00} and refused to listen when I stated multiple times its not, that was an entirely different purchase and XXXX still owes me {$57.00}. I also asked for proof of this information and if that is what XXXX is claiming and not just the representative herself, to provide XXXX that documentation that shows what she is claiming is coming from XXXX themselves because at this point its all he/she said. XXXX XXXX is basically speaking on behalf of XXXX without showing XXXX the customer any proof of communications with XXXX. I would like all proof and the receipts XXXX have apparently provided to XXXX that shows the {$16.00} & {$0.00} are directly related to the original charge of {$57.00} because if an investigation was actually done & Barclays reached out to XXXX they would give me the supporting documents that were used to verify I was refunded but XXXX CAN NOT DO THAT BECAUSE THEY DID NOT ACTUALLY INVESTIGATE. I am making this complaint to have the company that closely monitors Banks contact Barclays so they are AWARE of what Barclays is doing, have Barclays re-open my dispute, and also provide me all the documentation that the merchant provided to support the {$17.00} that was apparently refunded to me. Once again I have NOT received a refund from XXXX, I bought a mattress topper for a total of {$57.00}, I RETURNED the mattress topper that cost {$57.00} but have yet to receive that refund to my Barclays account. I also have yet to receive a call back from Barclays as of XX/XX/ even though I was told someone would call me back after being refused a manager multiple times on XX/XX/2023. I called at least XXXX times on XX/XX/2023trying to get this resolved and at this point XXXX is refusing. As of XX/XX/2023I tried reaching out to Barclays again about the issue. I reached out to their billing disputes department and regular department by calling XXXX which is the number listed on the letter and called XXXX which is listed on the back of my card. Ok today XX/XX/2023 the associate I first spoke too acted clueless on what I was talking about, so I once again asked for a manager where I was put on hold for a long time & then I get told either the manager isnt available or the associate tried to relay a message of what the manager apparently said, even though I have asked multiple times to speak to one MYSELF, as the regular associates employee, XXXX who works in the disputes department, I spoke to on XX/XX/2023 could not get manager on the phone after asked for one more than two times and stated it takes XXXX for a call back. When I called multiple last week and more than XXXX have passed. I am also attaching pictures of the original letter I received, and also the same letter I received again after asking the associate to mail it out to me again, the day I asked this was on XX/XX/ as the first XXXX hadnt showed up yet. The reprint of my statement is not actually my statement it was the letter about the {$57.00} being in dispute. Please also note, I am attaching pictures of my call log, of me speaking to XXXX on XX/XX/2023 where I was told the {$57.00} would be credited to my account within a few days. The same number I called, is the same number on the back of my card. Please also note the dates of the letters I received of XXXX closing my case & saying I was issued {$17.00}, it is dated XX/XX/ a day before I spoke to an associate who never once on XX/XX/XXXX mention anything about what the letter said nor did he ever state I was already apparently credited, I wasnt told the dispute was closed either on this day even though on his end he could see this letter as he was the one that told me a letter was sent out & I simply requested it to be sent again because I did not know. This employee willing withheld this information from me while I kept asking when did XXXX speak to XXXX, when will I receive something stating Im being credited the {$57.00}, I can see now all the questions I asked this associate he just lied because why not mention & say whoever investigated the issue apparently said I was credited already. I would advise ALL XXXX XXXX holders when filing a dispute with this XXXX disgusting company to get ALL documentation & communication that went into investigating the dispute as it is our right. I had to reach out to XXXX once again after speaking to XXXX multiple times on XX/XX/ about my refund and how I just got off the phone with my bank who was saying they reached out to them and also connected the calls together so XXXX can hear the XXXX come from my banks mouths. And then after that XXXX manually processed a refund because my bank was claiming they raised a dispute. At the end of the day Barclays lied and proved they dont investigate some claims made by customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61801
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: ORIGINAL COMPLAINT XXXX Company acknowledged receipt of copies of both money orders shown as cashed by Barclays. Comany response is completely insufficient. Not only have I not yet received a credit for the original {$1000.00} theft from my account, the company failed to acknowledge the interest acrrued on said account ( ~ {$350.00} ). The company also provided a very weak apology and did not account for what happened as well as how they will avoid this problem with others in the future. Barclays flat out lied to me on several occaassions regarding this theft. I expect to be compensated for the time I spend dealing with this issue, the original {$1000.00} theft and all interest accrued to my account. I also expect a detailed explanation as to why I was continuously lied to and how they will prevent this from happening in the future. If I didn't have the means and technology ( as well as locating receipts, which was no small matter ) to continue pursuit of this XXXX job in retreiving my money, they would have gotten away with literally stealing from me. Are you able to find others who have been harmed in this way? I would like to press charges against this company. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX XXXX and natural person, was denied credit by BARCLAYS LUXURY CARD when I applied, who is in possession/control of a legal person ( XXXX XXXX ) of whom I am the Executor of the Estate/Trust of ( XXXX XXXX ) through a SS-4 form from the Treasury with a EIN with credits/funds exceeding $ XXXX in which credits are taken from every time my social is used. I am co-signing/the co-signer for the legal person ( XXXX XXXX ) when Im entering into any consumer credit transaction/consumer transaction.. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act ( Regulation B ) which is codified in 15 U.S.C 1691 ( a ) ( c ) and is pursuant to civil liability under 15 U.S.C 1692k. Also they willingly and knowingly provided false and misleading information to me to make that decision 15 U.S.C 1611 denying me extension of my own credit. They also told me that I had to make a down payment when its a consumer credit transaction and thats breaking the law 15 U.S.C 1605, 15 U.S.C 1611. A creditor shall not refuse to grant a individual account to a credit worthy applicant for ANY prohibited basis 12 CFR 1002.7 ( a ). You are subject to criminal liability for violating 15 U.S.C 1691 and 15 U.S.C 1611 as I have proof that I was discriminated against by BARCLAYS LUXURY CARD due to the response I received. BARCLAYS LUXURY CARD is in violation of 15 U.S.C1642, U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer, made a application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) 15 U.S.C 1602 ( l ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of BARCLAYS LUXURY CARD15 U.S.C 1602 ( p ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Applied through specific link for specific Bonus offer. Received a letter in the mail that they could approve me so as long as I call their phone number and reconfirm some personal information the app. I was told I would be approved shortly. I made sure with the rep on the phone that I will receive the precise offer I had applied for through the specific link I originally applied through. The rep confirmed that if approved, I would get whatever offer I had originally applied through online. I received a credit card in the mail 10 days later. There was no information about my bonus offer I specifically applied for. I called the bank and asked them to confirm my offer. I was completely shocked as the rep read a completely different offer. I explained what I had applied for. The rep promised to " fix '' the offer to the one I had applied for. Even for extra convenience I emailed the rep an actual screenshot of my exact offer and the website address link I applied through that goes right to it. I never got a phone call back from the rep even though they promised to call me back as soon as the offer was corrected. Instead, I called in and got a different manager and had to try and re-explain everything only to feel that this manager didn't seem to empathize nor care about my situation. They just said they would send a message to the back office and " ask '' about it. She then then called me back a few days later and happily told me that the got a response and that the offer is not being changed.???? I told her that this is totally unacceptable and makes NO SENSE. It was never a debate or plea. I provided exacting proof of what I applied for and told them they can also track their phone calls as I promised I would still get what I initially applied for even though I did have to call in to reconfirm info on my app. They also can use their IT department to see the precise link I had used to apply. ( If they didn't believe me ) She then tried to claim there is nothing she can do. I demanded a call back from the highest level executive, because I did not feel comfortable with this rep and also knowing that if my situation had been precisely communicated to the right person, they could easily find where they had mistakenly given me a different offer. The OFFER I applied for and rightfully deserve as promised is : " EARN XXXX bonus miles after spending {$2000.00} on purchases in the first 90 days, AND earn XXXX bonus miles after a purchase is made on an employee card '' NOTE : I have already MET and SURPASSED this within weeks of using my credit card. ALL I ask is that I be promptly credited with the XXXX XXXX ( XXXX AA Miles ) Please help. This is so wrong and unjust. It is more insulting when " managers '' who told me they totally understood and that the back office will fix the error, to then get the call I recently got rejecting me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
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 enrolled my Barclays Bank credit card account in a debt consolidation program with a credit counseling agency, XXXX, to manage my outstanding debt. This was a mutual agreement between Barclays and XXXX. Through this program, XXXX began making regular payments to Barclays to reduce my debt. Despite these regular payments, Barclays continued to report delinquencies on my account to XXXX. This has led to significant errors on my credit report, negatively impacting my credit score. I have attempted to resolve this issue directly with Barclays on several occasions since noticing the discrepancies. I have spoken with customer service representatives and sent written communication, to no avail. The alleged delinquencies are still being reported despite my account 's enrollment in the debt consolidation program. The agreement with XXXX was made under the understanding that the regular payments would be recognized as satisfying my debt obligations and thus no delinquencies would be reported. The continued reporting of failures by Barclays contradicts this understanding and the nature of the debt consolidation program. I am seeking immediate rectification of this situation, including ceasing reporting delinquencies on my account and removing these inaccuracies from my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Gap credit card through Barclay, and I have been charged two interest fees every month for as far back as Barclay took over the account -- XXXX of 2022. I have only ever used the card for purchases and never cash advances. I contacted customer service but have not been able to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A