Date Received: 2021-01-28
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 I was charged {$2500.00} by XXXX, a company I used to do business with. I was a tenant for less than two years and charged my rent on occasion. I moved out in XXXX. I was a tenant at will and never had a lease or contract. I did not authorize the merchant to file my card, I did not have a contract, I did not receive any goods or services for this charge. I asked the merchant to refund the money, they kept coming up with reasons as to why not to that didn't make any sense, and that were not based in facts. I was paying for " storage '', " damages '' etc. None of which are true or were agreed to, and they certainly were not authorized to charge my credit card without my permission regardless. I contacted XXXX XXXX Mastercard and filed a complaint with their Fraud department, then I was forwarded to Disputes. Over the course of communicating I have been given the wrong address once, and the wrong fax number once as well. I have been communicating with them since late XXXX via fax, phone and mail. The merchant reversed the charge only to re post it in XXXX. XXXX XXXX Mastercard supposedly sent me a letter about this in XXXX. I noticed it on my XXXX statement and wrote them to an address they provided me over the phone. When I followed up in XXXX via phone, they told me the case had been closed due to lack of response by me, that they didn't receive the letter, and that they sent me a letter about it. I never received that letter and have been in regular monthly correspondence with the company about this matter since I noticed the charge back in XXXX. They did receive the letter after I faxed it to them twice, the first time they gave me the wrong fax number. The merchant is refusing to refund the amount, I could press larceny charges and did already file a police report in XXXX. I don't want to escalate this matter to that level. I also don't want to wait for a small claims court date and settlement but will do so if necessary. Since I didn't receive any goods, or services, nor did I have an agreement with this merchant, nor did I authorize them to file my credit card, this should have been a simple charge reversal in my minds eye. The most recent communication from the credit card company states that they " are unable to override the merchant 's no refund cancellation policy that was agreed to when making the purchase. '' This is unacceptable as there was no purchase made, nor did i have a contract with, or receive any goods from said merchant. This is crystal clear in the documentation that I provided to the credit card company during the dispute process. I'd like for the credit card company to reverse the charge as soon as possible, and if the merchant has any valid claims to that money, which I know they do not, they can pursue it with me personally. The fact that they allowed someone that " filed my card without permission '' to charge it {$2500.00}, and dismiss the case due to an invalid reason is why I'm writing filing a complaint against this credit card company, I'm also contacting the local XX/XX/XXXX and filing a complaint against the merchant. I thought credit card companies had an obligation to protect their consumers against these kinds of actions from merchants?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received a late fee on my card and as soon as I realized it was late I paid the balance in full and called to try to request a fee waiver. I explained to the agent that due to COVID I can not afford a {$40.00} late fee and because we suffered a loss of income recently. The agent said there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: There was a complaint before but you sent the complaint to the wrong company. I filed a new complaint by phone in XXXX of last year but the complaint has been lost. The is a Bond Instrument from my former employer XXXX XXXX and Barclays PLC was the issuer. XXXX XXXX XXXX is the broker. Barclays has hired outside counsel and has admitted the bond is mine but they can not act for me. Financial Ombudsman has stated that this Bond was recorded incorrectly and looks like it is being held at a company XXXX XXXX which may be a fake company to hide the funds. The SEC, OCC, FTC< resolver, and Financial Ombudsman are involved with this matter. I am asking for this complaint to be sent to the correct company at Barclays PLC and their attorney. I have additional information I need to provide to you.
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: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I thought I was paying off my last payment off my Barclay credit card. I only used this credit card to pay off my phone. I paid off the last of around XXXX dollars and assumed my credit card was paid off. Unaware I was still being charged and in three months the credit card had apparently accumulated over XXXX dollars in charges, yet I did not know of this until I received a letter in the mail stating that I was past due on my bill after 90 days of not paying. That was the only communication regarding this account that I received and did not receive a letter after 30 days nor a letter after 60 days. I called the Barclay around XX/XX/XXXX to try and resolve this problem and spoke to the representative after receiving the letter to figure out why I was being charged and if someone might have been using my credit card. The representative removed the charges, but I had to pay for the late fees which I took care of right then and there and asked if this misunderstanding would be sent to the credit bureau which he stated it would have not and that my credit will be fine. My credit score stated that I had a serious delinquency stating I missed multiple payments after 90 days. I called Barclay multiple times around XXXX XXXX XX/XX/XXXX after I found out this stayed on my credit report but would be hung up on multiple times, multiple representatives stating they are not sure how to help me or circling around my questions and when finally talking to a supervisor regarding my situation seeing that I closed my account along with the misunderstanding regarding the situation, I was told not to contact the credit bureau as well as told to send a letter regarding the situation. I was confused at this point because I explained the situation to the supervisor and she not only see the account was taking care of but could have gone back into my account and look back on payments made and how things went wrong but instead told me to write a letter for them to report to the credit bureau. I contacted the credit bureau myself specifically XXXX since XX/XX/XXXX and they were very helpful and tried to do everything in their power to help me in whatever way they could. Looking at my credit report I have always paid everything on time along with having a good credit history and so why would all of the sudden I would miss three months worth of payments? All I want is for this to be resolved I am planning on going to graduate school to become a physician assistant along with planning to one day have a family so I would like to not run into problems in the future because of this misunderstanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I PAID THIS COLLECTION AGENCY ON BEHALF OF BARCLAY BANK. BARCLAY BANK ASSIGNED THIS CASE TO 2 DIFFERENT COLLECTION AGENCIES. EITHER THIS COMPANY DID NOT REPORT I PAID THEM TO BARCLAYS BANK BECAUSE BARCLAY SAYS I STILL OWE THEM THE MONEY AND THE XXXX XXXX XXXX IS STILL TRYING TO COLLECT. ALSO ITS REFLECTING ON MY XXXX AND XXXX REPORTS AS NEGATIVE AND STILL HAS A BALANCE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX XXXX entered into a consumer credit transaction with BARCLAYS BANK DELAWARE in 2015. The consumer credit transaction included a finance charge, pursuant to 15 usc 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. I, am the consumer and I refuse to pay this alleged debt pursuant to 15 USC 1692c ( c ). BARCLAYS BANK DELAWARE has used abusive and profane language under 15 USC 1692d ( 2 ). I, the consumer XXXX XXXX XXXX is not obligated to pay any debt pursuant to 15 USC 1692a ( 5 ). BARCLAYS BANK DELAWARE are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts. Pursuant to 15 USC 6802 BARCLAYS BANK DELAWARE never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681b. I deny this debt pursuant to 15 USC 1692g, BARCLAYS BANK DELAWARE never validated any debt. BARCLAYS BANK DELAWARE have contacted an attorney ( Law office of XXXX XXXX XXXX ) who is an uninterested third party in direct violation of 15 USC 1692e ( 3 ), this is false and misleading and misrepresentation or implication that any individual is an attorney or that any communication is from an attorney. I, consumer XXXX XXXX XXXX extended them credit pursuant to 15 USC 1602 ( g ). Pursuant to 15 USC 1602 ( p ) this is unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Bank Delaware is reporting an account under my name that is derogatory on my credit file. I have sent numerous certified mailings to show ID theft ( FTC fraud report, police report ) and they have yet to remove the account. I have asked several times for them to provide me with my signature showing that it is mine- they can't do that because it's not mine, yet they will not remove it from my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02184
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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 contacted Barclays on XX/XX/XXXX to report that my card was stolen and three transactions were identified as fraudulent, the three transaction amounts are : {$230.00} on XX/XX/XXXX, {$86.00} on XX/XX/XXXX and {$440.00} on XX/XX/XXXX. My old account ending in XXXX was closed and a new card ending in XXXX was issued. The {$440.00} transaction was removed and did not post to my account statement that ended on XX/XX/XXXX but the remaining two transactions of {$230.00} and {$86.00} posted to my new account ending in XXXX even though these are identified as fraudulent transactions. I contacted the bank three times to have these two transactions removed or credited temporarily due to it being fraud. The bank unfortunately has not been able to investigate these transactions after almost 30 days has passed nor have they posted a temporarily credit while they investigate the transactions. I want to pay my statement balance in full but it is irregular to pay the amounts that includes the two fraud transactions that does not belong to me. The bank says they are experiencing heavy fraud claim volume as the result for the delay but I can not wait any longer since Interest charges will accrue if I pay the amount minus the fraudulent amounts. I hope the bank can fix this issue as quickly as possible. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today Barclays locked me out of my personal savings account that I have had with them for five years. Last week I opened a new checking account with XXXX ( XXXX ) and linked my new XXXX account to my Barclays savings account. Today, Barclays locked me out of my savings account. I can no longer log in or access my funds. Barclays said they did this for my security because my XXXX account is new and they can not verify that I am the person who opened it. But I am the person who opened it and losing access to my savings account does not feel secure at all, especially right now. Barclays asked me for a bank statement and a verification letter from my new bank. Barclays said it would take at least two days and possibly a week before they would restore my access to my savings account. I don't know who to go to for help about this. Barclays said it was their security department who mandated that I be locked out of my account since they can not verify my new XXXX account. This does not seem right to me. My mortgage payment is to be withdrawn from my Barclays account in a few days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Several fraudulent charges were made to my credit card. The credit card company reversed most of the charges, but I have discovered another fraudulent charge on my statement. I have pointed it out to the company, but now I am getting the run-around : i.e. interminable times on hold on phone calls, calls ended by " our systems are down ... etc., transferring calls to the " fraud department '' that never get answered. They are not responsive, giving me the strong impression they are just trying to irritate me enough that I will give up. I am not the " give-up '' type.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A