Date Received: 2021-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My name is XXXX XXXX XXXX My ss # is XXXX XXXX XXXX My DOB is XX/XX/XXXX I have 2 accounts with XXXX, both credit cards with XXXX balances. In XXXX of XXXX I used the XXXX rewards card to purchase internet access for {$7.00} on An XXXX XXXX Flight to New Mexico. I never used the cards since and am also in very good standing with Barclaycard. My bank to make repeat payments was closed that I was expecting to make on the {$7.00} balance, I did this to simplify my finances. At the time I was traveling in XXXX XXXX, NM, ( From XXXX to the end of XX/XX/XXXX ) - and was not receiving any mail that would be sent to my XXXX XXXX, and never received any correspondence from Barclaycard, not did I received any email correspondence also. Earlier last week I saw that the {$7.00} charge was posted to my credit report, yes .... the {$7.00}. Given my good standing and the fact that this was so petty, I called Barclay Card 's customer service - went through the phone tree and was repeatedly told that I made a mistake by not paying the {$7.00}. I was escalated to a manager and was agreed to be contacted back with a resolution and NO ONE from Barclaycard has contacted me. They mentioned this would be over email and I also confirmed my email. Today, a week later XXXX, I call Barclaycard 's customer service and am escalated again to a manager, and he told me they under no circumstances would they be willing to remove this from my credit report. I let them know that I was expecting written contact from the Barclaycard customer service team and no body responded back to me I feel completely lost in this circumstance, no one is willing to help me. It's not about the {$7.00} its about the fact that we are in the Pandemic and one of the most turbulent economic environments in history and an institution that large is not willing to help, but rather tell the little guy to XXXX XXXX. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 90 days past due which dropped my credit scores 100 points.
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: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-XXXX VISA Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, BARCLAYS BANK DELAWARE Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
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: This complaint is regarding a charge-back dispute dated XX/XX/XXXX. The dispute is over the purchase of plane tickets valued at XXXX dollars dated XX/XX/XXXX. The dispute record number for this claim with my creditor is XXXX. I have included in this complaint : a record of my first email exchange with XXXX customer service, my second email exchange with XXXX customer service. My email exchange with the U. S. Department of Transportation, my second claim letter to my creditor, and the U.S. Department of Transportations original mandate that justifies my claim to a full refund. As I argued in my original claim, XXXX canceled my flight due to COVID-19 complications. They initially tried to offer a voucher as a form of reimbursement. After I replied that I was due a full refund and that this refund is mandatory per the Department of Transportations enforcement notice, they requested my account information to transfer my refund. They then promptly cut off all communication with me and did not reply to my emails. After originally opening my dispute, both XXXX and my creditor argued that the refund terms were fulfilled and that I was not owed a refund. They claimed that the merchant has a no refund cancelation policy therefore I am not owed anything. This completely ignores the DOT enforcement that I included in my dispute claim. XXXX has also failed to respond to my DOT complaint within the required window of time, indicating they have no intention of interacting with me in good faith as a merchant. Furthermore, my creditor is obligated to credit this amount as it is considered a billing error under USC Title 15, Chapter 41, Subchapter 1 Part D Section 1666 ( b ) ( 3 ). XXXX has announced bankruptcy on XXXX XXXX, XXXX and cancelled their flights for the year XXXX ; they are unable to fulfill their obligations. I made this argument to my creditor, but they have not provided any counter argument to my claim and have simply rejected my dispute a second time with no justifiable grounds beyond the simply cancelation policy that XXXX originally provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My BarclaysUS credit card account XXXX payment in the amount of {$3100.00} was mailed XX/XX/XXXX. The check cleared my credit union on XX/XX/XXXX but on XX/XX/XXXX I noticed that the credit card account balance still didnt reflect my recent cleared payment. The statement cycled XX/XX/XXXX so I was charged another month 's interest for the error and my credit report does not reflect the accurate account balance because of the error. I contacted Barclay on XXXX and they insisted that the 7 day check payment processing delay to review the missing payment didnt take effect until XXXX and that I should call back later. I called back on XX/XX/XXXX and opened a case # XXXX for the lost payment with employee XXXX XXXX XXXX. She informed me that the payment research team has 1 to 2 billing cycles to respond to my inquiry. A 67 delay to find a lost payment is unacceptable. I ask the CFPB to hold BARCLAYS US accountable to its customers in a reasonable amount of time and provide timely corrections with interest refunds, retroactive credit bureau corrections and punitive fines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
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 have had a XXXX balance and XXXX use on my card for the last 3 weeks or so and I've been seeing a {$29.00} minimum due for the XXXX. of XXXX ( this month ) which I had no purchases or a balance. On the XX/XX/2021 I've made a purchase/transaction for {$26.00} and it appeared on the statement XX/XX/2021 the date which would of been a payment due date if I've had made the purchase during those 3 weeks, so I payed that {$26.00} and some change off on XX/XX/2021 and now today ( XXXX ) I see on my account that there is a note saying I need to pay Barclays more money or they will put my account in past due status. How is my account in past due status when I owe them nothing? My account is paid off and a XXXX balance ( I took a screenshot if you need it ) I owe nothing and they want to report me, and possibly others. I think Barclays is running a scam with the credit bureaus to ruin peoples credit during these delicate times so people credit reports can be ruin, because I see no other way how since this pandemic that I've been contacting you and other agencies to report them of their unfair practices against me and I've never really had a major problem with them until this pandemic so I have no other way of thinking why I am target against their payment schemes. And now, every time I call them their phone line goes dead on me because they have my number stored so their system recognize my number and I'm guessing ( no other reason ) the system is blocking my calls from getting patched over to speak with anybody.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Account XXXX ... XXXX XXXX XXXX XXXX. I have been a long time credit card customer of XXXX. They don't care one bit about the fees they charge. I contacted them because I paid off my credit card all but apprx XXXX. I paid them {$4500.00} on XX/XX/XXXX. On XX/XX/XXXX, they want to charge me {$68.00} in interest? This what they said " Any time your statement balance is not paid in full by the due date, youre assessed interest on the average daily balance. Your previous statement balance was {$4600.00} and we received payments totaling {$4500.00}, thus causing interest to bill to the account. '' Okay, I understand that interest would be charged on the balance, but {$68.00}??? This is pure robbery and their way of making BIG time $ $ off of consumers. On XX/XX/XXXX, where the balance was {$4500.00}, they charged me {$79.00} in interest which is understandable, but I make a large payment BEFORE the interest is posted and they still want to charge me {$68.00}? I would like to have this interest fee either removed or reduced drastically. This is the problem with credit cards ; they don't even allow you to pay off any debt, because they double your monthly payments all because of the interest they charge. It's strictly a game and what's even worse, I have a credit score of XXXX. Your assistance on this would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
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 Monday XX/XX/XXXX I ordered a XXXX XXXX XXXX processor from XXXX for {$130.00}. On XX/XX/XXXX I received an email from XXXX stating the processor had been delivered however, there was no package to be found. I thought the package was delivered to a neighbor by mistake as this has happened before so I waited until the next day to see if it showed up, at approximately XXXX on XX/XX/XXXX I called XXXX XXXX inquire about the package.XXXX told me it was delivered in my name to XXXX , FL XXXX but the street address did not match mine.I asked what address the package was sent to and was told that they could not give me that information for security reasons. I then contacted the seller through XXXX and asked why the processor was sent to a different address than what was listed on the XXXX confirmation email, after waiting a week, they never responded.I then contacted XXXX and asked them to step in.On XX/XX/XXXX I received an email from XXXX stating that they had proof it was mailed to my address and left at my front door and they closed the case. On XX/XX/XXXX I contacted XXXX ( I attached my credit card to my XXXX account and this is how I payed for processor ), and opened a dispute with them thinking that they would check with XXXX as XXXX wouldn't, but I was wrong, they came back with the same answer as XXXX and wouldn't call XXXX either. I then called my Credit card company opened a dispute and explained what had happened and asked them to call XXXX to verify the information.On XX/XX/XXXX I received the response they had proof the merchant sent the merchandise, I called them ask them if they had called XXXX to verify and they told that they won't call XXXX. I asked them how they could say they were investigating if they don't ask questions? I then called XXXX again and explained the situation I was having with XXXX, XXXX and my credit card company. XXXX then emailed me with the information I was looking for, the actual address where the package was delivered to. I faxed this to my credit card company on XX/XX/XXXX and called to comfirm that they had received the information, which they did. On XX/XX/XXXX I received a letter with so called " proof '' from my credit card company stating the merchant has not violated the terms and conditions of the contract, I called them to ask why and they again said that they have " proof '', I asked about the proof I sent them and they said they were disreguarding that proof. I am sending you a copy of their XXXX deliver confirmation they sent as " proof '', if you notice on their XXXX form it says the package was left at the front door however it does not have my name on it or even a street address listed, this is their proof? I pointed this out to them but they didn't seem to care. I have also attached a copy of the email and attachment I obtained from XXXX. I don't expect you to just take my word so please call XXXX ( XXXX ) and give them the tracking number and ask them if it was sent to my address, both can be found on my XXXX order confirmation which is also included in the files I sent. Thank you for all your help in this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have three credit cards with Barclays : An XXXX XXXX, XXXX XXXX XXXX, and a XXXX XXXX. I Purchased an XXXX using my Barclay 's XXXX credit card in XX/XX/XXXX. They offered a 0 % financing option if it was paid off within a certain time frame ( 18 months, if I recall correctly ). Later, in XXXX, I purchased an XXXX XXXX using that same card. I made regular payments on the XXXX credit card. Since the promotional balance from XXXX is expiring soon ( XX/XX/XXXX ) I made a large lump sum payment in XXXX to satisfy that debt in its entirety. I phoned Barclays to ensure that it was paid in full. I was told by the Barclays representative that it was not. The rep informed me that payments are applied to more recent charges first before being applied to older charges. I asked her if she could apply my recent large lump sum payments to the next billing cycle. She told me that it was not possible, but she could reverse the large payments and suggested that I just pay that amount the following month. I asked if there were any fees or consequences from doing so, she assured me that there weren't. I would have paid these accounts down much sooner, but my business shut down due to Covid in XX/XX/XXXX. I was fortunate enough to find well paying work in XXXX of XXXX and have been doing my best to catch up -- I have made significant payments since XXXX to these cards. If I recall correctly, I think I paid about {$12000.00} on the XXXX XXXX XXXX in recent months. So, I'd assumed all was well. Yesterday, I received two letters, dated XX/XX/XXXX from Barclays indicating that the credit limit on my XXXX XXXX XXXX was being reduced from ~ {$30000.00} to {$4500.00} and my XXXX XXXX card was being reduced from ~ {$4000.00} to {$3600.00}. Barclays provided two reasons for this reduction : First : Recent returned check activity Second : Balances too high on revolving accounts Admittedly, I carry a balance on multiple cards, but my income is more than enough such that I'm able to make regular large payments exceeding my minimum balances on those cards. I have NO derogatory remarks on my credit reports and I have NO missed payments -- ever. However, there are also NO returned checks. I phoned Barclays, specifically inquiring about the " Recent returned check activity '' I was told by multiple people that it was a result of their reversal of my payments. I explained the situation and was told that there is nothing they can do. I explained that the rep I'd spoken with before had assured me that there would be no problems due to the payment reversals. Barclays has refused to budge on their decision. They repeatedly cited multiple reasons for the credit line reductions. I told them that I'm comfortable with the " Balances too high ... '' issue, but I wanted an explanation for their decision to punish me because of a suggestion that their own employee made and the suggestion that I'd sent them bad checks. If they want to reduce my credit because of balances on other cards, that's fine. Send me a letter stating that that is the sole reason for doing so. I want this 'Returned check activity ' removed from my Barclays account and from any credit reporting services. A successful resolution to this problem will be : *A written statement from Barclays that this 'Returned check activity ' is removed from my records at Barclays *Updated letters stating that the reason for any credit line reduction excluding 'Returned check activity ' *A written statement from Barclays explicitly statingthat this 'Returned check activity ' will be removed from my credit reports with XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
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 XX/XX/2020, I purchased a XXXX product from XXXX and then the funds were not added to the prepaid product. I paid XXXX for this transaction. The next day on XX/XX/2020 I called XXXX at XXXX and was told they would send a check for the balance on the card since that balance was not loaded. However at this time they were having " technical issues '' and was denied a refund of XXXX. I then called again at XXXX XXXX EST on XX/XX/2020 and spoke to XXXX - who told me I should seek that refund from XXXX and that is what the system is showing. XXXX refused me a refund in the morning since they were specifically told by XXXX that XXXX would provide the refund. I am out XXXX with no recourse at this time. Both XXXX and XXXX are denying a refund for a card I purchased. I was with XXXX on the phone as I filled this complaint. After further research the card is showing " refunded to store '' at XXXX at XXXX XXXX on the same day of purchase on XX/XX/2020. I DID NOT do this - this was clearly fraud. XXXX has no record of this transaction. I called back XXXX and tried to file a fruad complaint and was not able to open a billing dispute despite clearly stating in their terms and condition that this was a possibility. They stated that XXXX had my money. I attempted to file the complaint via the Barclays bank dispute process. I attached the response from the US Federal Reserve Bank of XXXX XXXX which stated in effect that XXXX was in possession of my money. Barclays stated they reviewed the letter but a letter from the US Federal Reserve was inadequate to reverse a decision in this matter. I am very frustrated with Barclays since this is clearly a fraudulent transaction and if a letter from the Fed is insufficient what level of evidence would be sufficient? I spoke to a manager at Barclays named XXXX, who stated that since this was a face to face transaction there was nothing they could - again despite a letter from US Fed ; I am having trouble understanding what gives Barclays the right to ignore the Federal Reserve. In the Federal Reserve Complaint it is stated, " XXXX XXXX concluded its investigation and determined that the gift card balance had already been refunded to XXXX Store # XXXX on XX/XX/2020. We confirmed that the funds have been reversed back to XXXX Store # XXXX, and that you will need to contact the store for resolution. '' In effect XXXX sold me a card, just reversed the funds on the card, kept the money and refused to provide me the refund. Someone or something forced this refund : If this isnt fraud I am not sure what is!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A