Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have called me 47 times in the last 24 days. Most calls are 2 times a day and including weekends. We are currently working with a debt relief program and the program has already been in contact with Barclays to resolve our account yet they continue to call twice a day or more everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened up a card with Old Navy because it was a reputable company and I needed to increase my credit in a small way. Sure to ask when the payment date was due and 5 days before I went online to do so. I was only given an option to enter my account and routing information for my bank and I refused. I looked further into it and there was not another option online so I began calling Old Navy customer service. I was then told by several different Representatives as well as supervisors that my only other option was to give the information for my banking account and routing number over the phone. As I stated to them I would never put myself in a position to be giving out information over the phone or online that could be used to take all the money that I have. I have never been asked by any other organization or payment that I make including my credit card for banking and routing information. I tried to rectify the situation with Old Navy and they were very clear that there are no other options it is now the XXXX of XXXX and my payment is due by the XXXX. I asked each person very respectfully how I was expected to make a payment to them if they only will allow you to do so by giving out your personal information in an unsecure way and I was told basically that was it too bad. I reported his to the XXXX XXXX XXXX over the phone and was given a number for headquarters of Old Navy. When I called I was transferred right back to the customer service solution center where I got nowhere. I also was told I was going to receive the ability to file a complaint with the XXXX XXXX XXXX through paperwork from an email that I never received. I called the XXXX XXXX XXXX back so let them know I had not received the email and that the number they had given was for customer service just so they were informed. I was told they had never heard of anything like this it seemed very sketchy so to speak and to report it now to this organization. Let it be known that I'm just trying to make the payment and at this point I would cancel the account because I do not agree with this business practice at all. Having signed up for the account in the first place to try to build my credit is actually going to have the opposite effect because I have no choice but to close the account not being able to make the payment in a way that feels safe. I have now spoke to two unidentified people that I've told me that they had been drawn into the same what seems like scam with Old Navy and that there was no way for them to get out of it either other than to wait until their account was in default and try to call and speak to somebody to close that account but then still ended up with the bill that they weren't able to pay and less giving banking information, and that it went against their credit. This is the most ridiculous thing I have ever seen. I also was not able to locate any place on the website to file a complaint other than links that took me to the same phone numbers that lead to customer service. Not being able to file a complaint and itself is a sketchy practice let alone putting yourself in a situation as a customer where you could have your total bank account wiped out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have Banana Republisc credit card. This card was with XXXX XXXX and in year XXXX they moved to BARCLAYS BANK. Due to this my auto payment set up failed for payments. I raised multiple requests to customer care to fix my account. It took 2-3 months to fix my account ( XX/XX/XXXX to XX/XX/XXXX ). They removed all the corresponding penalty fee related to late payment charges on my account but did nto remove late payment removed from the credit report. I requested through mail/ phone call but they are not able help me on this. The late payments on my account was due to their system problem but not my ability to pay the payments ( It was a {$30.00} charge total {$60.00} ). I request you to look into this and help me to remove the late payment in my account history. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
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 presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as 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 significant financial and emotional distress 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: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identification was stolen and someone used it without my permission. The bank sent the updated XXXX to an unfamiliar person with a different address and phone number. At first, I was unaware that my credit card had been stolen and only realized it when I noticed a drop in my credit score and called the bank. However, the bank 's phone line would disconnect automatically all the time, and everyone kept transferring me to different departments. I spent four hours being transferred from customer service to the security department to the fraud department and so on. Finally, the bank gave me an investigation number and said someone would call me back, but no one did. Months later, the bank 's collection department called me for payment. I explained the situation to them, but they referred me back to the customer service department, who said my account had been closed and they could not help me. A month later, the collection department called again, asking why I had not made a payment. I had to repeat what had happened, and they said they would send me a statement and asked me to highlight which transactions were not mine and mail it back to them. They said I would receive the statement in XXXX business days, but I waited for XXXX days and did not receive it. The following month, the bank called me again for payment, and I had to explain the situation again. Having my credit card stolen was already frustrating, and the fact that the bank was not helpful made it worse. I thought my account activities were recorded in their system, and the previous conversations with the bank were also recorded, but every time their phone line disconnected or they transferred me to different departments, it made me feel that they were not professional. Another couple months later, I received a letter from the investigation team regarding they have completed their investigation and have determined the activity is valid. But I received the phone call from collection agency regarding my balance, they said they received the letter from you guys on XX/XX/2023, and my balance is {$2000.00}, which means Barclays did not credit back my credit to my account. I called the bank, but investigation team has no record about this letter in their system, and it is so unprofessional. From XXXX to XXXX, I had already wasted so many months being investigated by this bank, and I got so many phone calls from the collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a credit card from Juniper Bank ( Barclays ) for over 10 years - account ending in XXXX. I was cut off from being able to make payments on line. I called repeatedly to get that function reimplemented so I could pay my bill and was told it could not be done. This caused me to fall behind ( it took them two months for them to determine it was not an IT issue but rather company policy ). Additionally, I received a letter in XXXX of XXXX stating that my account was sold to another bank. In XXXX, I was informed that Juniper still held the balance to my account and I was reported late paying as a result. I was than introduced to the possibility of settling. I called multiple times to arrange a settlement and arrived on an agreement which both sides agreeing. I received written confirmation from the credit card in the form of a letter dated XX/XX/XXXX which stated that I had until XX/XX/XXXX to pay the settlement amount of {$2200.00}. Two weeks prior to the deadline ( 2 weeks after the receipt of the letter ), I called the XXXX number to pay the settled account but was referred to a collection agency. I have a letter in writing offereing the agreement- an agreement I am on record accepting, yet immediately after, I am forwarded to a collection agency with them not honoring our written agreement. I would like my account removed from collections and our agreed upon settlement amount honored. I have no desire to use the card ( it was closed ) but I would like the derogotory comments removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. The inquiries in question are the following : XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) BRCLYBANKDE ( XX/XX/XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Last summer I bought pants at old navy. The cashier signed me up for the old navy credit card because their card systems were down, and she said that was the only way I could pay for my pants at the time. I called Barclays ( the Mastercard service ) to make my payment a month later. I paid in full, and I havent used the old navy credit card since. Every month since then I have received a statement in the mail, and countless calls saying that I am late on my payments. Every time Ive called- the original payment is in their system, the late fees are cancelled, and my account closed. But then I keep getting messages that my account is not paid and I have late fees. I am so frustrated and I feel like I am getting scammed. Not only that, but the last several times Ive called I explain my problem, and then the line goes silent. Its like they wont even give me a chance to figure it out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Other transaction problem
Subissue:
Consumer Complaint: I made a payment from my XXXX XXXX account to my Barclay 's NFL Card for {$780.00} electronically on XX/XX/2022. The payment should of went to the new company that Barclay 's sold the XXXX card to XXXX XXXX. My bank XXXX sent me the information showing that my electronic payment cleared through Barclay 's but Barclay 's never sent the payment over to XXXXXXXX XXXX or sent the payment back to me. When a bank or financial institution bulk transfers accounts from one custodian to another it should have the ability to sweep to the new account for a time period of at least 90 days. Barclay just held the money for my payment of {$780.00} or transferred my payment to the wrong institution. I have been trying to locate my electronic payment over a year now. I am both confused and concerned how nobody has an audit trail for an electronic payment getting paid into a financial institution that is required to maintain all of this pertinent data. This information being maintained is required by ( REGULATION E ) Governed by the CFPB I am attaching all the information from XXXX XXXX showing I made this payment and also a copy of my bank statement showing the electronic payment went to Barclay 's and cleared at Barclay 's.
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: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A