Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Frontier airlines denied our claim after we canceled a flight and had trip insurance. We are entitled a refund {$770.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
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 was charged {$480.00} for a Dinner Cruise while on vacation in XXXX, SC. The dinner cruise was suppose to take place on XX/XX/XXXX. This was booked through XXXX XXXX XXXX, and the vendor was XXXX XXXX Cruises. Due to high winds the vendor canceled the cruise. Despite repeated requests a refund has not been issued. On XX/XX/XXXX I contacted my credit card company, in response to a letter dated XX/XX/XXXX they sent to me, and stated the service was never provided. They requested proof, which I provided consisting of a letter dated XX/XX/XXXX and a copy of the email from XXXX XXXX XXXX cancelling the cruise. I also called the credit card company verbally informing them of these facts. On XX/XX/XXXX I received another letter from the credit card company stating they again wanted what I had already sent them, and also stating the merchant had refused the request for a refund and it would be put back on my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclays has tried twice to fraudulently open account in my name. Without my permission or knowledge, I believe the Barclays is intentionally trying to open accounts in peoples names without their knowledge to expand their business just like XXXX XXXX did. Secondly, XXXX XXXX sent me a letter dated XX/XX/2022 stating that they would delete or suppress information regarding a credit pull in my name, and they still have not taken the credit pull off of my credit report even after numerous phone calls to Barclays they still have not done anything to remove the credit pull from my report. They only have 30 days to remove the credit pull and its been over a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it. I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end. I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error. This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Regarding my BARCLAYS JET BLUE CREDIT CARD ENDING in XXXX. I requested closing this account on line and told them specifically not to charge me an annual fee. They recently sent me a letter stating that my account was delinquent for the sum of {$40.00} which was the annual fee. They then sent me a letter stating that my credit score was lowered to XXXX points for this delinquent amount. My credit score was previously in the upper XXXX. I contacted the credit card company and they said that I could only close the account by speaking to them and therefore the account was still open. Therefore I was delinquent by {$40.00}. This is unfair in that they never contacted my regarding this policy. I went on line and personally demanded that they close the account. Now they have tarnished my credit score and that I need to appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I suffered a total loss on my primary residence due to XXXX XXXX. As a result, I spent all of my savings, took out retirement, and maxed out my credit cards because my insurance company went bankrupt. The banks are refusing to give me a forbearance or any sort of deferment and have reported to the agencies that I do not pay my bills. They have charged off my debt and have significantly destroyed my credit. They are unwilling to work with me. This is not my fault. I have always paid my bills on time and now have to file bankruptcy as a result of a hurricane and the lack of regulation of insurance companies in the state of Florida. I am paying a mortgage on a home that is condemned in addition to a mortgage on a rental property and rent for myself if I can afford it.I have been living in hotels. I have been living in a car XXXX I have a salary of {$11000.00} a year and I'm currently homeless because I make too much money to benefit from federal or state programs. My house is condemned and unsafe and I have been unable to see my child since XXXX. I do not need additional financial hardship as a result of an act of XXXX and the lack of regulation by the government.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: in XXXX XXXX XXXX, we made a {$500.00} payment on our Old Navy credit card. During the processing time Old Navy got bought out by Barclay. Barclay claimed that we never made the payment. During the very long process of trying to get this straightened out, we kept making our payments so our credit didn't get messed up. Eventually we got a credit consolidation loan and it paid off all credit debits. Barclay would never agree to the previous {$500.00} payment and essentially we we double paid. We have tried repeatedly to resolve this with Barclay but they will not budge. Even with bank statements and multiple phone calls proving the payment was made, Barclay refused to acknowledge the transaction. Barclay owes us {$500.00} and a groveling phone call apoligizing for being such XXXX XXXX about this situation. At this point it's not even a matter of the money, it's a matter of principal. I will take this all the way to a small claims court if they do not do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
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 approximately XX/XX/XXXX and XXXX I called Barclays/US airways Mastercard to dispute 68 transactions made by my child to XXXX that were not authorized by me. The 68 transactions totaled {$1900.00} and were made between XXXX XXXX XX/XX/XXXX with the bulk of transactions taking place between a 3 week period, and generally hundreds of dollars charged within minutes. I regularly spent {$0.00} per month on XXXX storage. I did try to dispute this with XXXX as requested by Barclays, to no avail. I was given an address ( by barclays ) to send a letter outlining the disputes in writing. I sent the letter via certified mail on XX/XX/2023 and the letter was accepted by Barclays on XX/XX/XXXX. To date, XX/XX/XXXX, I have been passed around between departments at barclays/us airways , always initiated by my phone calls, and no resolution has been made. I have repeatedly explained I am concerned about missing the time limits to dispute these charges but am not able to get help from anyone. I have not received anything in writing even acknowledging my letter, or a case being created. Per the Fair credit billing act, I am responsible for the first {$50.00} of the charges that were made by someone not authorized to use my card. I am disputing charges that were made by a minor unauthorized to make these purchases, and without my knowledge or consent. I am attaching the original letter which I wrote and mailed to US Airways mastercard/barclays
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Payment in full was sent to Barclays in a negotiable instrument. I have emailed then spoke to customer service and recently with their management team. They have refused to take the payment which is legal and lawful tender. They have now said my account can only be paid with check or money order. Which no where in the account guidelines did it state that negotiable Instruments were not allowed. They have Chosen to Dishonor by Non-Performance. Barclays has dis-enfranchised me, causing me loss due to their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A