Date Received: 2021-07-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received my BARCLAYS credit card bill to find out that I had charges on it that I never made, never signed for, never authorized and didn't know about. I wrote a letter to my credit card company and requested that these charges be removed and explained the situation with them. I called the credit card company as well, they told me not a problem, they will remove the charges and issue me a new card. They did exactly that and everything was fine. I then receive a notice in the mail that they contacted the merchant and was told the charges were valid. I did file a police report with the City Police Department as a crime has happened to me. I then asked them to provide me with proof of me making these charges. They declined and told me that they completed their investigation and the charges stand and I owe it. They are also charging me some crazy cash advance fees as well, in which doesn't belond on my account. I need help with this as I am not getting any help or assistance regarding this account. BARCLAYS will not work with me and have dug their feet in the ground, they will not provide me with information and/or any reasoning. I feel as though BARCLAYS isn't be accountable and personally harming me by their actions. The CFPB is suppose to be here to help consumers and protect us against things like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have called Barclays twice to cancel my XXXX card. Each time I brought up cancellation, the agent disconnected the call. Barclays will not cancel my card and is now reporting it past due with credit bureaus, negatively impacting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2021, I called XXXX XXXX XXXX ( XXXX ) as I had received communication stating that my account with BARCLAYS BANK DELAWARE was purchased by them on XX/XX/2021. While speaking with the XXXX rep, I stated that I wanted to settle the debt with a pay to delete off of my credit report with Barclays. I asked them to send an email confirmation in addition to mailing a letter for the agreement in which they did ( sent by XXXX XXXX of XXXX ). Before ending the call, I asked the rep if this could be removed off of my credit file and she stated that it will be removed after successfully receiving the full agreed upon amount of {$960.00}. I made a payment of {$480.00} on XX/XX/2021 and another payment of {$480.00} on XX/XX/2021. I received a letter dated on XX/XX/2021 from XXXX stating that the current balance on the account was {$0.00} and the letter serves as proof that the account was settled. On XXXX, I did not notice any changes to my credit regarding the removal of this delinquent account. I called XXXX informing them that the file was not deleted from my credit report. They stated that they will send another letter to the credit bureaus and to give it another 30 days before reflecting on my account. On XXXX, I decided to call BARCLAYS BANK and inform them of what was going on with the account. They only told me that it was under investigation being that I disputed with one of the credit bureaus even after they validated the debt with the credit bureau. I havent heard anything since and still no change to my credit report. I reached back out to XXXX today, XX/XX/2021 and they told me to call back on Monday to talk with the dispute team as they forgot to send the letter so the manager, XXXX XXXX, has submitted a complaint. They also stated that they cant contact the original creditor after an account has been purchased. So now I have a delinquent account on my credit file, reporting a {$0.00} balance, but hasnt been removed because of the run around Ive been receiving with all agencies involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXXXXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to Barclays in regards to the above refenced account. FACTUAL BACKGROUND TO THE MATTERS. 1. Barclays neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 2. Barclays has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 3. Barclays has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 4. Barclays exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management. 5. Barclays exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process. 6. Barclays further exhibited lack of professional and respectful account management manners. 7. Barclays negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 8. Barclays inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 9. Barclays ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 10. Barclays displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further Barclays actions impairing XXXX XXXX 's professional and personal status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Two year ago my Carnival XXXX XXXX Mastercard was closed by Barclays Bank. On my final payment I overpaid by {$440.00}. I was supposed to receive my overpayment mailed back to me ; They never mailed my overpayment back to me. Just recently, I started receiving phone calls and emails from Barclays Bank just for payment. After talking to people at Barclay Bank it turns out they changed my credit to a debt. As it stands now Barclay Bank even added additional late fees and other charges to the account. I'm in the process of refining my properties ; however, I not able to with such a low credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Since they reported the transactions to me, I've tried contacting Barclays Financing Mastercard multiple times, both online and via their phone number. I've waited on hold twice for over an hour, and both times they dropped the call without talking to me. Their online " help '' keeps telling me to call their number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a billing statement from JetBlue Rewards XXXX. I do not have a XXXX, nor have I ever applied for one. The statement I received is clearly labeled " Statement '', it is not a marketing brochure. There is an account number on the statement and it was sent to my name with correct mailing address. There was a {$59.00} charge from the previous billing cycle, which was also credited back. There is no balance on the account. I called XXXX immediately as I thought someone had fraudulently opened an account in my name. They asked for the last four digits on my account. It apparently is/was an open credit card. They ( XXXX ) also had the last four digits of my social security on file. The first person I spoke with at XXXX told me they would transfer me to their security division. I was on hold for an hour and a half. I contacted the main number for XXXX again and explained my problem. They told me there was no one available that I could talk to. They also told me that my account was closed last month. I asked them who opened the account and who closed it, as I did neither. She could not tell me. It seems to me that XXXX fraudulently opened this account or that this " statement '' that was mailed to me as a marketing gimmick. Isn't this the same thing that XXXX XXXX did? I am furious. I do not have a XXXX, did not apply for one, yet an account was opened and a statement sent to me even though no card has ever been sent to me. When I asked XXXX if the account was closed by their security team because someone fraudulently opened it, they could not give me an answer. I asked them if I have never reported that I thought the card was opened fraudulently, who closed the account and why? There was no activity on the card ( and I have never been sent a card ) so it is illogical that their security team would have closed the account without talking to me or verifying this. I am a woman in her late XXXX and I am pretty sharp. What angers me most about this is I know my elderly mother receives similarly misleading marketing material and it is confusing and deceptive. This has to be regulated. This particular scheme seems completely illegal. Is XXXX allowed to open an account in my name without my permission an then send me a statement?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90291
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: The Payment of {$500.00} was sent directly from my bank checking account on line to Barclays Wyndham Visa credit card on XXXX to receipt on XXXXwhich their bank XXXX XXXX cashed. Barclays 's is denying receipt of such payment. Now after several months of calls and sending proof of the payment by fax and regular mail, they are still charging me the same {$500.00} and now they have including penalty fees and are threatening my credit. I'm worried they are trying to damaged my. credit and they are robbing. Please help me. I have tried and tried to solve this impossible stressful issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 130 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A