Date Received: 2021-03-25
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have had Barclay credit card for almost 5 years. I paid my credit card off and then a payment hit from XXXX. It went two months without being paid and never received a phone call. If it was way more I wouldve received a phone call. Well it hit my credit report for a delinquency over {$4.00}. Ive never missed a payment since I have owned the card. It killed my credit score. I just want it removed or a note added to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 449XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any results from my investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a phone call on XX/XX/XXXX from someone named Miss XXXX. She said she was calling from XXXXXX/XX/XXXXXXXX with regards to an urgent financial issue. She said that I had an unpaid debt with Barclays Bank and that they were filing a civil suit against me to claim the total amount owned ( {$11000.00} XXXX. She asked me to confirm my date of birth and last four of my social security number. She also asked me to confirm my name, but she only had my maiden name, and my address, which was my parents address not my current XXXX. I explained to her that this was already settled and paid through a debt consolidation company back in XXXX and wondered why a 10+ year old debt was coming up when I have heard nothing from the company I worked with, Barclays or the former collection agency. She responded saying its explained in the letter XXXX which it wasnt ). She said she had the letter with more information. She asked me for my email so she could send it to me. When I asked why this was not sent via mail she said for the past year they havent sent anything via mail due to COVID. I gave her my email address and she sent me the letter. After hanging up, I received the letter and researched the company XXXX XXXX XX/XX/XXXXXXXX XXXX. On the first page of the site the company looks legit but it isnt. The blog page doesnt have any content and the website maker is a make your own website and has a copyright of XXXX XXXX XXXXXX/XX/XXXX( which seems weird ). I also looked at the email with the letter and the email address was XXXX ( which I believe is an international website ). The letter also had some mistypes and the logo of the firm didnt match anything on the site XXXX which if it was a real firm then their corporate logo and stationary would match XXXX. I also tried to call the number on their letter ( XXXX ) and it goes to a general voicemail box with no mention of the company name. When Miss XXXX called, she used a different number ( XXXX ). She left a voicemail saying I could call this number back and could use extension XXXX, but when I called back it went directly to her, which again is odd. I dont believe she would pick up without an extension. When I XX/XX/XXXX the first number online I saw that others have listed this as a scam, saying that they were told similar things ( I.e. a civil suit was being filed ) and that they were calling themselves XXXX XXXX. It appears these calls were happening between XX/XX/XXXX and now. I called Barclays Bank to confirm if they were aware of this and they said my account was in collections back on XXXX ( hence why I was working with a debt company XXXX so they dont have any details on this. They also werent very helpful and didnt consider this might be a scam. I havent heard back from them since Monday XXXX XX/XX/XXXX XXXX, but I am concerned they got the information they needed from me and potentially will be able to hack into different sites using my information. Im monitoring everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01923
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fallen victim of identity theft as a result of the 2017 XXXX breach. This has taken a toll on my mental health and has affected the quality of my life. Please remove fraudulent accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have on my credit report that this account is negatively impacting me. I paid this off in full with the debt collection agency they used to follow me years back already. I need them to remove this off of my report because it was paid in full already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This credit card shows as closed on my XXXX report when it is an open account. The account does not appear on either of my XXXX and XXXX reports. This is not an accurate representation of my credit report as they are reporting the account incorrectly on my XXXX report and not reporting it at all on either my XXXX or XXXX reports. I have called the company and always talk to someone foreign who put me on hold and never address this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
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/2020 a fraudulent charge of {$4000.00} was made with a convenience check on my Barclays credit card account. There was also a {$160.00} balance transfer fee that was charged to the account when the fraudulent check was used. Barclays has investigated the matter and credited me the {$4000.00} back HOWEVER they have not credited back the {$160.00} fee for the {$4000.00} check and it has now ballooned into {$230.00}. They continue harassing me with collection phone calls and yet when I call them I can not get through to the proper person who can do something about it. Its been over a month and Ive made dozens of phone calls. This is an abusive practice and I believe they deliberately make their phone system borderline impenetrable in order to avoid customers. It is unfair that this charge could go into collections and negatively affect my credit report. They need to resolve this matter of the fraudulent fee. I spent over 3 hours on the phone today and the lady I was speaking to kept apologizing but said she simply didnt know who to contact. These are abusive and unfair practices toward the customer and I hope youll work to resolve this with Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97306
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: THEY REFUSED TO EBILL ME CLOSED ACCOUNT AT XXXX/XXXX XXXX XXXX CC XXXX XXXX, XXXX XXXX XXXX, CA XXXX. THEY SAY ITS COMPANY PLOICY NOT TO PROVIDE EBILL FOR CLOSED ACCOUNTS! ACCOUNT HOLDER XXXX XXXX LAST 4 DIGIT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried to dispute this debt as it is not mine as I have no knowledge of it nor did I authorize it and it was opened without my consent and fraudulently. I have requested it be removed 3-5 times to no avail and have also frozen my credit so nothing else like this would happen to me again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Barclay 's Aviator Mastercard. I have always paid on time until the last 4 months when on 2 occasions my checks were delayed in the mail for 1 month either by the Post Office or on Barclay 's end. I have documentation from my bank that I have paid in full ( minus Barclay 's late penalties and fees ) for everything from XXXX until the present. In XXXX I made a wire transfer from my bank to Barclays on XX/XX/2020 because I received a call from Barclays that they had not received my check in the mail. At the same time I stopped payment on the check which had not arrived by XX/XX/2020. I have documentation from my bank and online at my Barclays credit card account that the wire transfer was received and the check was cancelled on the same day. Later on XX/XX/XXXX the lost check arrived at Barclays and they applied it to my account ... because the check had a stop payment on it, the check was returned and Barclays reversed the payment. BUT, Barclays never credited me for the wire transfer of over {$4000.00}. I have tried 4 times to contact the company, once a representative hung up on me. Barclays has my money, I have proof, and they will not give me credit. I have paid on time for several years until this trouble with the mail over the past few months.If you make a list of what my balances are since XX/XX/2020 and my payments, you will see that I have paid in full but still retain a balance for the wire transfer and late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A