Date Received: 2023-07-17
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: XXXX continues to report inaccurate information on my credit report that is harmful without providing legal proof of the debt. I have disputed 2 credit cards multiple times on my report that I am not legally responsible for. I have asked XXXX repeatedly for the documentation they received to confirm these accounts are mine. I have also asked both the companies and XXXX to provided me with a copy of the legal contract for each credit card and neither have done so. These accounts should be removed immediately as they are harmful and the companies can not provide a legal binding contract that I signed confirming the accounts are mine. The accounts are : XXXX XXXX Barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Credit Line was decreased without notice and APR was increased without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a Barclays credit card account for a Frontier Airlines card. I checked my credit score on XXXX XXXX about a month ago ( XX/XX/2023 ), and saw that my score went down as there was a new line of credit opened. As I investigated further, I saw that there was {$970.00} in charges to this newly opened Barclays Banana Republic credit card account. I was very confused as I know I only have one Barclays account and I have never shopped at Banana Republic. I immediately called Barclays ( XX/XX/2023 ), reported it as fraud, had an investigation opened and the account closed. I also made an account on IdentityTheft.gov and went through their " Recovery Plan '' which suggested I place a credit freeze and fraud alert on my credit reports as well as an extended fraud alert, which I did. Today ( XX/XX/2023 ) I checked my credit score again and the {$970.00} in charges were back on my report and the remark on my account now stated " Account previously in dispute - Now resolved by data furnisher ''. Again, I immediately called the Barclays fraud department. They said that their investigation determined it couldn't be fraud as you have to present an ID to get the Banana Republic card. I demanded my account be re-investigated for fraud and told them I will be sending a letter of explanation as well as submitting a complaint to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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/2023, I filed a complaint with the Consumer Financial Protection Bureau against Barclays for their failure to comply with XXXX guidelines in investigating my quality of goods and service dispute for a purchase with XXXX XXXX. On XX/XX/2023, Barclays responded to my complaint and acknowledged that I provided the necessary documentation for the dispute and initiated a chargeback. While Barclays acknowledged my timely submission and the appropriate documentation on XX/XX/2023, they sent conflicting correspondences dated XX/XX/2023. One letter falsely claimed that I withdrew my dispute, while the other letter stated that the merchant did not violate the terms and conditions of the sale agreement and that their cancellation/refund policy was not followed. I want to emphasize that the core of my dispute lies in the fact that the roller shades I received from XXXX XXXX were severely damaged, defective, incorrect, and completely nonfunctional. It is only reasonable to expect that I would not be expected to keep items that exhibit such serious flaws. Despite providing all the necessary information to support my claim, Barclays failed to conduct a comprehensive review and neglected their obligation to credit my account in accordance with the guidelines set by XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Frontier Member # : XXXX This complaint is regarding frontier promotion with Barclays credit card. My offer was to get XXXX points with XXXX XXXX yearly fee after {$500.00} purchase. Link below I have applied for card XX/XX/14 and finished purchases by end of XXXX and XXXX point was rewarded in second week of XXXX. XXXX XXXX XXXX XXXX As per document at the time of complaint.. elite statusXXXX was supposed to be with XXXX points. XXXX XXXX XXXX XXXX As per offer on credit card page there is no difference mentioned about normal point for elite status vs bonus point for this offer and its giving the impression by earning XXXX points.. you will get elite status, however when contacted agent mentioend these are different points and you have to make that much purchase to get elite status and these XXXX points doesn't count for elite status. No where on credit card page its mentioned about this point not considered for elite and details are given on page about elite status give impression about earning that only. Its clear case of false and misleading advertisement and fooling the customer. There customer service is not able to provide any documentation on difference between points stated in offer page. its a scam to get ppl apply to credit card Given screen shot of offer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I made a payment through my bill pay for {$87.00} and it was not applied to the card or returned back to the bill pay. On XX/XX/XXXX I made a payment for {$120.00} through my bill pay and it was not applied to the credit card or returned. They have been charging me interest and late fee even though the card is paid and even when we send over the wire trace details the Barclays Team is not applying the payment. The customer service people do not have access to the payment application team and my payments seem lost. I have called numerous times and a provisional credit gets applied then unapplied. They are also not returning the payments back to the bill pay service so they are taking the funds and I am not sure what is going on there. My payments are lost and you can not talk to anyone who can actually rectify the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66213
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Date account was opened- XXXX / Date debt was reported XXXX Date account was closed XXXX amount due : {$2000.00}. Barclays bank has reported this information on my credit report as an unpaid balance but I am only listed as an authorized user- when calling and asking to be removed they informed me that they only was to be removed to write a letter and mail it to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
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 charge appeared on my CC ( American Airlines Advantage ) that was made on XX/XX/XXXX at a restaurant that I did not go to. I disputed the charge and they removed it. I then received a letter telling me that they were reversing the charge because " I had to use it because of the chip technology ''. I asked them to show me the receipt with my signature and have not received a reply. I have been trying to dispute this since XXXX. I sent another email yesterday to Raising Concerns @ Barclays : I've been trying to dispute a charge on my CC since I received my payment in XXXX. I have received another letter telling me that " I had to have possession of my card due to chip technology ''. I don't know how many times I need to say this ; I DID NOT USE MY CARD!!! I have repeatedly asked for evidence of my signature on this charge and have yet to receive this. If someone would bother to look at my payment history, you would see that I do not report issues unless I've been scammed!!! This is getting ridiculous. This is the second time that I have received a letter like this. There is no point talking to the Fraud Department or Customer Service as they either do understand English very well or are just incompetent. There is no investigation because he one is responding to my concerns. Again, where is my signature on this bill from XXXX XXXX. I have been in contact with the XXXX and will now follow a complaint with FCC and Consumer Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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/2023 a payment deducted from my bank account for {$860.00}, which was the f balance owed on my Barclays Old Navyist card. I called to have the payment returned to my account as I was only trying to pay {$86.00}, the minimum payment. My bank declined the first transaction and Barclays assured me they had returned the payment. The payment was returned however in the course the {$860.00} being returned, a day later Barclays made a second attempt and still ended up collecting the {$860.00} from my bank account. I went back and forth with the company to try and explain the amount was not in my bank and sent them verification from my bank. After not getting anywhere with XXXX 's I submitted a dispute with my bank and the amount of was returned. However, in the course of this, Barclays is now showing my account balance of {$1800.00}. Of which I have not spend. My original credit limit was for {$900.00} and was dropped to {$250.00}. I have not spent this amount on the card. I called Barclay 's again in XX/XX/2023 to dispute this and they have yet to resolve the issue. It appears they have charged my account for the returned payment and stated it was purchases, which is not true. It has now begun to affect my credit. The statements attached in XXXX show no purchases. The XXXX statement shows a purchase for {$860.00} with the caption of unknown authorized user. No purchases and no explanation has been given by them nor are they willing to look into my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I contacted Barclays Bank at XXXX on XX/XX/2023 as a follow-up regarding a charge dispute. I received a response from staff member XXXX on XX/XX/2023 which was unclear. I called several times to Barclays and emailed them on XX/XX/2023, XX/XX/2023, and XX/XX/2023 with no response.
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: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A