Date Received: 2023-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed a drop in my credit score on XXXX. After investigation, I found that there was report of a credit card from Barclay 's Bank for which I owed XXXX dollars. I have no knowledge of this credit card or the XXXX dollar purchase. I disputed this with XXXX and they reported that the card and charge was verified. How could this be verified if I have never owned a Barclay 's Bank credit card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I am currently working with legal group to settle my debt. The credit company was continuously calling me and bring aggressive/threatening. I asked the credit company to only communicate with me through written means. They refused to communicate this way and continued to call very frequently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50322
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/XXXX. 2023, I received a letter from Barclays stating that my application for a Barclays Mastercard Black Card was denied because its " review of my prior interactions with Barclays allegedly evidenced cardmember behavior toward Barclays ' representatives which allegedly did not comply with its expectations. '' Please state the date, the time, the name of Barclays ' representative that the interactions was allegedly made, and describe in full detail the specific " prior interactions with Barclay that allegedly evidenced cardmember behavior toward Barclays ' representatives which you contend did not comply with your expectations. '' In addition, please attach a copy of any documentation that you contend supports your response to the above specific questions. Please also attach any Bank policy that you contend that did not comply with your expectations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone try to open a Barclays Bank credit card on XX/XX/XXXX on under name I need that credit inquiry removed from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My previous complaint # XXXX. I'm still not able to make a payment to this company. Still racking up late fees and interest. I will NEVER do business with this company again. I've talked to my bank ( TVFCU ) and Barclay 's. No results... is there no one that can help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: 1 ) Barclays took over a branded XX/XX/XXXX card from XXXX in XX/XX/XXXX 2 ) For 3 years I used XX/XX/XXXX, and paid XX/XX/XXXX with 0 late pays or problems. In fact, I've had a credit history since XXXX, and never had a Late Pay on any card, loan, or obligation, and have an unblemished credit report in terms of never being late for > 35 years as a consumer. 3 ) Barclays did a horrible job in conversion in verifying correct email address, apparently. 4 ) I have talked to 6 Barclays Reps since XX/XX/XXXX to try to resolve this issue. 5 ) From all these conversations- this appears to be the facts : - Account conversions from XXXX to Barclays for XXXX cardholders took place XXXX, XXXX. - I was receiving emails from XXXX and Barclays in advance of conversion at XXXX. - Barclays did very little in terms of email validation. For instance, in setting up this CFPB comparing there is an email verification that takes place. Barclays did not do any email validation when I was asked to setup an account with Barclays. - It appears Barclays, even though they had my correct email initially from XXXX, allowed for a typo to result in account setup, or Barclays set up my email wrong. Email was set up as XXXX -- according to my phone conversation with a Barclays rep. - I use the card very little, so initially had a pay problem in fall, but rectified it before credit report was hit. Barclays did not ask for email verification at that time either. - My wife used card in XXXX, XXXX - unknowingly to me. The bills were not coming to me, as the Email address was wrong. - In XXXX, XXXX I was alerted by XXXX XXXX of a 30 day late pay notice. I've never had one of these in 35 years of credit usage. - I immediately called Barclays, on XX/XX/XXXX - and paid the bill in full. I had not received the Any Bills from Barclays --- they said the email address was with the wrong two " ee 's '' in my name was valid, so they won't change the late pay notice on my credit report. My credit report dropped XXXX points with on bureau. - Everyone at Barclays agrees I had wrong email, it is corrected now. But, no one will go back and make a " technology error '' adjustment and remove the Late pay. They say I have to have it on my report for the next 7 years. - Now, I'm getting emotional because of writing this. After XX/XX/XXXX hours of conversations with 6 representatives, still no one will repair / correct this issue. - Barclays is taking now responsibility for poor conversion practices, that didn't validate emails, and not taking an consumer friendly approach to fixing a mistake. - The late pay was only {$400.00} by the way, and it was paid within one hour of me realizing there was an outstanding balance. My wife 's use of the card ( and me not knowing ), and her thinking it was on " auto pay '' are the additional details that explain the mistake. - I remain Shocked that no one at Barclays will be more reasonable to this, given the whole problem arose from an Account conversion without adequate controls in place to avoid an accidental typo that occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Hello my name is XXXX XXXX. I am writing with great concern and disappointment regarding an issue I am currently experiencing with my credit card company. I have been a loyal customer of Barclays credit card for several years now, ensuring all my payments are made in a timely fashion, even in the face of difficult circumstances. Recently, however, I found myself in a situation that necessitated a request for some temporary assistance from their company due to financial hardship. As you may be aware, the economic situation has been challenging for many families, including mine. I recently lost my job and my household income has reduced significantly. Despite this setback, I have strived to continue making payments on my account to maintain my good credit standing. I know CFBP has been a strong consumer advocate and often direct consumers to contact their credit card in a time of need. In view of this, On XX/XX/202 I completed an online request for a repayment plan, on XX/XX/XXXX, I received an email advising that I was denied. On XX/XX/2023 I reached out to their customer service, seeking help. My request was to see if my interest rate could be lowered or to facilitate a credit repayment plan that would allow me to continue making payments, albeit at a lower amount. To my surprise and disappointment, I was advised that in order to access any form of assistance, my account would first need to be delinquent or default. On XX/XX/2023, I wrote letter to XXXX XXXX the CEO explaining to him my concern. On XXXX XXXX someone from XXXX executive team called and left me voice message advising that they did received my email and would follow up with me shortly. On XX/XX/2023, XXXX from the XXXXxecutive team called to advise me they had no program available for me and that I would have be in default to take advantage of any repayment program. This is not only counterintuitive but also contradicts the general advice of CFPB advising consumers to contact credit companies at the first sign of financial distress. Also because my careers is in the financial industry, being in default my be detrimental on my career. This policy seems to penalize customers who are proactive in their financial management and are trying to avoid default. This condition leaves me in a precarious position as I try to do the right thing by maintaining my commitment to their company, while also caring for the wellbeing of my family. I am reaching out to CFPB in hopes of some form of assistance. I look forward to hearing from you and positive resolution that does not entail damaging my creditworthiness. My credit card acct ending in XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
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 have an credit account with Barclay and there have been a couple of ongoing issues. The one that has presented problems and has affected my credit with an unauthorized charge by XXXX XXXX XXXX on XX/XX/XXXX for {$200.00}. I called and spoke a customer service rep XXXX and explained that XXXX XXXX XXXX had been taken off the auto-pay as of XX/XX/XXXX, over a year prior to this charge. Therefore the charge on XX/XX/XXXX was not authorized due to litigation with XXXX. I received a letter dated XX/XX/XXXX stating the company 's investigation had been conducted and found that I benefited from these charges. I call and sent a letter dated XX/XX/XXXX repeating the prior that XXXX XXXX XXXX had been canceled on XX/XX/XXXX and the charge on XX/XX/XXXX was not authorized and there was no benefit gained by me. I enclosed another copy of the letter confirming the account does not have enrollment in the auto-pay. On XX/XX/XXXX I called and spoke with XXXX and charge was still be reviewed, under investigation. No updates available yet. On XX/XX/XXXX I called and spoke with XXXX and he stated the charge was still under investigation and I should receive a letter shortly. XX/XX/XXXX I spoke with XXXX and no action had been taken as it appears to be stuck in the system. XXXX will send it to upper management for review again. Should get response in XXXX business days. On XX/XX/XXXX spoke with XXXX and he attempted to connect me to dispute manager and the connection was not complete. I did receive a call from XXXX on XX/XX/XXXX and by this time my credit has been affected for late payments that should not exists. As a side note the card has always been paid in full within the same pay period and had not been late until this disputed charge. I was referred to the credit dispute department. She asked for me to fax a copy of the letter in which the auto-pay has been canceled. This had been attempted to be faxed to XXXX and the fax would not go through. Spoke with XXXX and she gave me another number to fax to XXXX, the fax would not go through on this number either. On XX/XX/XXXX I was told I would have to mail it it. This was done on the same day. By this time XXXX XXXX XXXX had attempted to charge my card and the charges had been rejected. The charge from XX/XX/XXXX still is on my card. I was given a case ID XXXX and a received a letter on XX/XX/XXXX to let me know they are investigating the charge and the incorrect reports against my credit. Next I receive a letter dated XX/XX/XXXX that it had been too long since the charge was made and a dispute made. I called and spoke with XXXX on XX/XX/XXXX and he stated there is nothing he can do as the case has been closed since it had been too long for a dispute to be made. XXXX was transferring me to a supervisor and the call was never connected. I called back and had to leave my information for a supervisor to call me back within 24 hours. Received a letter dated XX/XX/XXXX ; with no information on the letter and stated if we disagree I could call them. There was no phone number nor name on the letter. On XX/XX/XXXX I called back and spoke with XXXX. he placed me on hold for 20+ minutes. He stated his supervisor will call back that day or the next. As of XX/XX/XXXX we still have not received a call back and the charge is still on my card. XXXX has since attempted to charge against this card and the charges have been rejected as they are not authorized to charge. Please help me get this charge reversed and my credit report corrected. I appreciate any help or direction you can give me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I requested to close my credit card with XXXX XXXX through the secure messaging portal on my online account. I received an automated reply stating that account closures could not be handled online and that I would have to call a respresentative. I called later that evening and spoke with XXXX different employees to have my account closed. I was told that the account was closed and I shredded the physical credit card. However, on XX/XX/XXXX, I received an alert on my credit report that the card had been charged the annual fee. I was able to log in to my online account and realized that the card had never been closed as was promised to me over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I applied and was approved for a airline rewards credit card. The card arrived and I did not immediately activate it. I was too busy to do so. About a week after I received it, I got notification that there was possible some unauthorized activity on my new credit card account and they asked me to call a number. I called the number as soon as I could and was told they needed to verify my identity to activate the card. I asked them about the message regarding unauthorized transactions, but they wouldn't address that concern ; they didn't believe I was who I said I was and insisted on doing an identity verification, using questions that appear on my consumer credit report -- going as far as to ask me about a restaurant that is located off of one of the main streets near my home. Apparently my accent was too thick for them to be convinced that I was who I said I was and so the asked me to send them a copy of my state-issued driver 's license. At this point I was so aggravated by the poor customer service and then I was being tasked with mailing them a copy of my ID. I told them to forget it and to cancel my account. I truly felt they were discriminating against me because of my name and my accent. I don't think people with XXXX XXXX and perfect XXXX accents have to go through this. To this day my account is still open. To add insult to injury, the are insisting I pay an annual fee for a card I can not use. As they can not " verify '' me, I can not call them for assistance. I have never had this problem with any other bank in my life... ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A