Date Received: 2023-07-22
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Upon receiving credit card ( AAdvantage Aviator Master Card ), I did not agree with the terms and conditions outlined in the information provided with the card. I decided NOT to activate the account by phone nor online. The account was never used and the credit card company subsequently placed a charge on the account that I never activated. I spoke with customer service who agreed the charges were erroneous against an inactive account and that they were removing charges and fees and ensured me the account was not active and would be closed completely with a XXXX balance on XX/XX/XXXX. I subsequently received several emails that this fraudulently active account was past due on XX/XX/XXXX, XXXX, and XXXX, XXXX. I called customer service back on XX/XX/XXXX regarding supposed inactive account and they indicated a mistake had been made and they would rectify it within XXXX to XXXX business days but would not email me verification of XXXX balance and closure of the account that I never activated. I'd like to make sure this fraudulently activated account is closed with no negative impacts to my excellent credit and that other consumers are aware of their dishonest business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
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: A fraudulent charge on my credit card in the amount of {$5200.00} that occurred back on XX/XX/2023. The credit card is a JetBlue Plus World Elite Mastercard and the Bank is Barclays Bank. I have had nine ( 9 ) different communications with Barclays since filing an initial complaint back in XXXX. Their initial position was that the charge wasn't fraud, it was a dispute. The fraudulent company represented themselves as " XXXX XXXX XXXX '' and the credit card showed a phone # of XXXX XXXX XXXX. If Barclays Bank merely called the phone # on their statement, they would have confirmed that the charge was from a travel agent in Texas. XXXX XXXX has confirmed to us that the charge wasn't XXXX and the charge was fraud. Despite our efforts to resolve this matter, Barclays has advised in writing and phone conversations on seven different occasions between XXXX that the claim was still under investigation. The Barclays Fraud case # is XXXX XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
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 XXXX XXXX XXXX Disputes. XXXX XXXX XXXX XXXX, XXXX Florida Service Dates : XX/XX/2023 through XX/XX/2023 Case Number ( XXXX ) : XXXX Amount : {$4000.00} XXXX Amount : {$210.00} On XX/XX/2023, I file a dispute with Barclays regarding the above transaction. The merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the services I was charged for. Barclays Dispute Department was sent a XXXX page document, including photos, supporting this dispute. The documents were sent on XX/XX/2023 via United States Postal Service, Priority Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and delivered to Barclays on XX/XX/2023. On XX/XX/2023, Barclays issued a letter stating " Unfortunately, we were unable to obtain credit on your behalf because the services were rendered for the transaction and the merchant is due payment. '' Barclays position as stated to me is, since my wife and I stayed at the resort, services were rendered. Barclays findings that The services were rendered for the transaction and the merchant is due payment is flawed. The services of a hotel or resort are not rendered solely based on an individuals stay. Barclays decision not to properly investigate my dispute violates federal laws which protects a consumer who receives " bad services ''. Federal laws also affords a consumer the right to dispute charges for transactions that they were " dissatisfied with. '' The Fair Credit Billing Act protects the rights of a consumer to dispute " bad service '' IF THE CONSUMER DIDN'T RECEIVE THE SERVICE THEY PAID FOR, OR IF THE SERVICE PROVIDER DIDN'T MEET THE CONSUMERS EXPECTATION. The Federal Trade Commission ( FTC ) also provides a consumer rights and protections with regards to disputing a charge for bad service. As a consumer, I have a reasonable expectation that a merchant, in this case, the XXXX XXXX XXXX XXXX would provide the services I was paying for, a clean, sanitary, well maintained, functional, and safe villa. XXXX XXXX XXXX XXXX failed to do so, thus invalidating any claim that services were provided and payment was due. Barclays failed to take into account the merits of the dispute as documented in the XXXX letter sent to their office on XX/XX/2023. That letter clearly shows the substandard and unsanitary conditions which existed at the XXXX XXXX XXXX XXXX. The written and photographic evidence provided to Barclays not only substantiate the merits of the dispute, it justifies a chargeback. I believe Barclays Bank violated federal laws and regulations regarding the processing of this dispute when it failed contact the merchant, present my complaint to the merchant, request a written response from the merchant, or request a chargeback from the merchant. Barclays Disputes Department later claimed I selected the wrong type of dispute from their limited list of options. A subsequent letter was send to Barclays on XX/XX/2023 via United States Postal Service, Priority Mail No. XXXX XXXX XXXX XXXX XXXX XXXX and delivered to Barclays on XX/XX/2023, demanding Barclays reopen this dispute a adjudicate it properly in accordance with the laws and regulations regarding the handling of a consumer credit dispute. Barclays refused to reopen the claim and properly investigate it in violation of federal laws and regulations regarding the handling of credit card disputes. A Barclays dispute manager told me during a phone conversation, Barclays does not have to comply with federal laws or regulations. They only need to abide by Barclays policies. I have asked Barclays bank for a written denial letter, XXXX refused my request.
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: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Here are all the documents Barclays has asked for. This is getting exhausted that Im being told Im responsible for fraudulent charges that are not mine. There are charges on the account that have been charged over 3 times as well. This whole investigation is a mess. I have police reports and statements showing the marked fraudulent charges. Im giving Barclays 1 more chance to correct this. I have contacted an attorney and they over looked all this and have stated I have a strong case. A representative marked some charges as fraudulent which theyre not and is making this whole case a confusion. And Ive stated that before. Barclays thinks because of that 1 charge that I should be held responsible for the other 30+ charges which is FALSE! I have attached the statements for each account and putting a CHECK MARK on which charges are fraud. Please re credit all the charges Ive marked on the attached documents or we will peruse with an attorney instead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
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 15 USC1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666 B a credit 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: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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: Banana Republic Credit Card/Barclays Bank Delaware did not send me a bill for the charged amount if {$170.00} in XX/XX/2023. Therefore in XX/XX/2023 the amount became delinquent and went on my credit report causing my score to drop approximately XXXX points. The minute I found this out I immediately paid the account off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26101
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: See attached FTC Report, notary and dispute letters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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: XX/XX/XXXX ; 2023 Spoke to representatives named XXXX, XXXX, XXXX and a few other reps who constantly transferred me, failing to help me dispute a cash advance fee placed on my credit card by XXXX. I did not get a cash advance from that merchant. I made that clear to Barclays XXXX. They refused to remove the charge and did not allow me to dispute it. They continued to place me in this vicious cycle of transferring me from one person to another. Then they removed the dispute charge link from my access to block my ability to dispute this charge. I am so traumatized by this business shenanigans. The fee is erroneous and I made that clear. Their associates refused to allow me to dispute it which is my right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A