Date Received: 2023-06-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had problems making payments to Barclay 's for ~4 months. I've tried to make payments and they claim they are returned. So I incurred late fees and extra interest. Barclays even went so far as to mar my credit when they had no legal right to do if they refused to take my payment! I tried to pay them off at least twice... I have written them a paper check to pay them in full and still haven't heard anything about that CHECK? My bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, informs me they have not received any thing from Barclay 's. It appears they do not want to take my payment to settle my account. WHEN I get this straightened out. I will NEVER do any business with Barclays again!
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: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: creditor is in VIOLATION OF MY PRIVACY RIGHTS 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an account without my written instructions.15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got the below alert from XXXX XXXX that someone tried to open below credit card. ALERT TYPE- Inquiry ALERT SUB TYPE New Inquiry SOURCE XXXX ALERT DATE XX/XX/2023 INQUIRY DATE NAME BARCLAYS BANK DELAWARE PHONE ( XXXX ) XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
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: Purchased time share XXXX XXXX XXXX XX/XX/XXXX {$15000.00} down payment on two charge cards for a $ XXXX bill. I was told with a program they had, I would get all my money back in 20 years. I went to cancel it the next day and was told I was locked in due to authorizing them to take my other 2 timeshares. So instead, they lowered the points and cost to {$38000.00} but retained my large downpayment and would not refund. Upon returning home I found out they lied, and I was able to cancel and that no one owned my other timeshares except me, as they had NOT been transferred to them as stated. They only offered three days to cancel. I have been fighting since to get out of this contract and get my money back. I disputed the charges split between RCI Barclays Rewards MC {$6700.00} and XXXX XXXX {$9000.00} around XX/XX/XXXX. Both put a hold on the charges. I eventually sent paperwork and information on what transpired with this purchase. Within a month or so XXXX released me from any financial obligations. I received a notice about dispute ID : XXXX XXXX from Barclay XX/XX/XXXX that I had provided insufficient proof. I had made several calls prior to ask what they needed and received no input. I collected all the info I could and sent it to them, opening a new dispute ID : DBO XXXX shortly after the prior letter was received. During all of this I had been in contact multiple times with XXXX XXXX XXXX. Finally, after much push they released me from the contract because they knew their agent had lied to me. But they had me sign a paper on XX/XX/XXXX, that stated something about my having to deal with my financial obligations to the other entities that I had paid. I sent this release letter to Barclays. XX/XX/XXXX I received a letter stating I had provided insufficient proof again to Barclay. I called and spoke with an agent at Barclays MC who said they could not help me any further. I was beyond devastated. This means I am free from the contract with XXXX XXXX but still owe {$6700.00} for NOTHING. I recently sent everything to the corporate offices of Barclay Bank with a letter addressing this signed XX/XX/XXXX. They have not received it yet. XXXX did the honorable thing. I am turning XXXX in a month. I can't afford to lose that money. I have a Developmental Delayed adult daughter I support who was coerced into also signing this contract with XXXX XXXX saying it was the only way she could go with her other sister if I became incapacitated or died. This has been one horrible event in our lives that has caused me illness due to stress. I hope you can help me and my daughter.
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: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Your corporation has been requiring and demanding the unlawful use of Federal Reserve Notes also known as Floating Rate Notes ( debt notes ) as payment, when in fact, the submitted application used to open the account, with access and use of my personal and private financial information ( SSN, social security card, which is an open-ended credit card pursuant to 15 U.S.C. 1602 ( l ) along with my signature ) served as a financial asset, promissory note and security which in fact satisfies each monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well the application being self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. Pursuant to 18 U.S.C. 8, all coupons, bills, certificates of indebtness, both public and private used for personal, family and household use are the obligation of the United States. This will also serve as Notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced creditor/bailor/beneficiary via mail within Fifteen ( 15 ) business days or accepted for its intended purpose within Fifteen ( 15 ) business days of the receipt of this notice, an SEC complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement for breach of securities and securities fraud. Pursuant to U.C.C. 9-210, I am requesting a full audit of the account. Additionally, pursuant to Article 1 Section 10 Clause 1 of the United States Constitution, only gold and silver, being the only lawful money of the United States of America, can lawfully discharge a debt. The use of Federal Reserve Note is unlawful and can not. Furthermore, I have noticed that you have been redeeming the remittance coupons/instrument as a non-cash item ( 12 CFR 210.2 ( k ) / ( 12 CFR 229.2 ( u ) ( 4 ). Pursuant to 15 U.S Code 1691 ( C ) and you assume civil liability pursuant to 15 U.S Code 1691 ( K ). By use of coercion and fraud, your corporation knowingly and willingly violated my federally protected rights. Pursuant to the aforementioned codes, I demand all credits be returned on all remittances/coupons at the inception of the accounts. Balance will be zeroed out on a monthly basis via special deposit of the interest-bearing coupons associated on the itemization statement. This is your opportunity to cure as well as your notice of default for the servicing of my account. You meaning XXXX XXXX XXXX XXXX. and any of its other agents, affiliates, subsidiaries, assignees, etc. may NOT contact me by any means other than written correspondence. Failure to comply will result in legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX my credit card got compromised, I got a text message approving the transaction which I did not approve, and we called Barclay, they promised me that the charge fraud will be resolved, on XX/XX/XXXX they charged me for the fraudulent transaction
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had reached out to Barclays back in XXXX about enrolling into the service member civil relief act. I had reached back out multiple times submitting a rebuttal but have yet to receive a response back. It has been over 30 days and I was told over the phone that by law Barclays is required to respond. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and I am currently reside in XXXX of the XXXX key provisional states that extends these benefits even after a service member has joined the service. I understand that Barclays follows the federal law to the letter, but other federal owned banks that I had loans in have honored the Louisiana legislation without a snarky response over the phone. https : //legis.la.gov/legis/Law.aspx? XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Barclay 's who manages the Carnival Mastercard sent promotional offers starting XX/XX/XXXX offering 0 % APR for any new purchases till XX/XX/XXXX. They then continued to send offers including reminders until XX/XX/XXXX which offered 0 % until XX/XX/XXXX. I received a total of 10 e-mails during this period regarding these offers and I activated it. I had purchases on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I discovered that on XXXX statement the promotional APR was only applying to prior purchase and a balance that did not correspond to any outstanding balance showed the standard APR of 24 %. I called and spoke with a representative who opened a ticket because they showed that I activated the offer on XX/XX/XXXX but I had already activated an offer in XXXX and thus that should have applied to the XX/XX/XXXX charge as well. She indicated that our in fact have 0 % APR on this purchase till XX/XX/XXXX ( which still is short the offer of XXXX ). I received my next statement and the typical APR of 24 % applied to entire purchase of XX/XX/XXXX. I called and the representative indicated that " investigation '' found it did not apply because the promotional 0 % only applies when you first open a card which was not the offer in question. The representative then confirmed that they have no way of knowing what offers are sent to individuals and was able to offer no further assistance on the matter. I was told I could submit proof of the offers by mail or fax ( not by e-mail or electronic form ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: Barclays Bank of Delaware XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, XXXX ) . The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A