Date Received: 2021-01-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried reaching Barclays Card for weeks to settle on a charged off credit card. I went through hundreds of thousands in financial losses over the past three years, but I am taking responsibility and reaching out to the charged off accounts. Accordingly, since the Barclays phone lines do not answer, I am making a settlement of {$2000.00} payable in three payments, {$700.00}, {$700.00} and {$600.00} respectively. I can make my first payment immediately. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12205
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit reports there is a closed account with huge amount of missed payments. BARCLAYS BANK DELAWA Opened XX/XX/2016 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BARCLAYS BANK DELAWA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
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 2 sets of LED lights through an advertiser on XXXX XXXX XXXX XXXX XXXX XXXX. Product was paid through XXXX. The advertised product used images and name of " XXXX '' which is the intellectual property of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have some of XXXX products and since their name and images were being used on the sales page, thought this was their product. Upon receipt of the product, it is not theirs. Attached are pictures of communication with XXXX XXXX, their refusal to provide refund etc. Their XXXX page shows a XXXX address, the product was shipped from Illinois and they want return to XXXX. The product is not as advertised. Seller is misrepresenting product as " XXXX '' a registered intellectual property of XXXX XXXX in their advertising and marketing ( see original dispute form and submitted files ). The product shipped from a fulfillment center at XXXX XXXX XXXX, XXXX, IL USA USA and they now want returned to XXXX at purchaser 's expense. Definitely a way to discourage/eliminate return and refund of product. The use of the " XXXX '' trademarked intellectual property in the product listing leads consumer to believe they are purchasing the product of said intellectual property holder. After filing dispute with XXXX, they heard from seller with option to return to XXXX for consideration and refund. XXXX is not considering the fraudulent use of someone else 's intellectual property or standing up for me as a consumer with a fraudulent product. The product was shipped from an address in the US, I believe you should be able to return to the US address. The cost to return 11 oz to XXXX is {$36.00} USD This is to discourage from returning product and stalling or eliminating refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66213
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a ding on my credit report stating my score went down. I checked the report and it stated payment was delinquent on a Barclay credit card. I logged into my Barclay account and checked the account which stated past due. I immediately made a payment and called customer service. I asked why I NEVER received a statement nor email regarding my due account. I am NEVER late. My credit is perfect. The customer service rep credited my late fee but never resolved the late reporting. After this my credit went down 50-75 points. I was not late if I did not know a payment was due. I want this reversed immediately with the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have been unemployed due to the Pandemic for roughly 10 months. I also have a disability which precludes me from securing certain types of work. Most credit card companies have been supportive during this time, but a couple were not. Late fees, reports to credit agencies etc. I told one in particular that I was waiting for Unemployment assistance and that the threats needed to stop. They didnt. Eventually, they sent the debt to a collection company which has contacted several members of my family, including some I havent spoken to in some time.
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: 2021-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Cancelled flight with XXXX XXXX in XX/XX/2020 due to Covid. It was on Barclay Credit Master Card through XXXX XXXX. Took 3 months to settle with XXXX. Credit card was cancelled by us and a refund for flight was issued from the Credit card company ( Barclay Master Card ). Started receiving bills from Barclay in XX/XX/2020. The latest bill we received in XX/XX/2020 is now charging us late fees. I have written three times to both XXXX and Barclay and have sent all documents to each one explaining the situation. I am now getting calls from Barclay on a daily basis from their collection department. This credit card was closed in XXXX. I sent Barclay a copy of the check THEY REFUNDED me in XXXX. I can not get this resolved by anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
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/XXXX I cancelled a purchase I made with XXXX XXXX. I have a document from the title company that says the contract was cancelled. In the contract, XXXX XXXX started a XXXX credit card and put {$9000.00} on it and when the contract was cancelled they claimed they could still charge me {$1000.00} promotional fee even though I didn't receive anything. When I found this out I started a dispute with XXXX in XXXX after I got a bill. My dispute is I cancelled the contract, so XXXX cant still charge me for the contract. I received a letter dated XX/XX/XXXX that acknowledged I had started a dispute. On documents dated XX/XX/XXXX and XX/XX/XXXX I received documents that stated they were investigating my dispute and would contact me if they needed additional information. On a document dated XX/XX/XXXX, XXXX said I didn't give them enough information and where rejecting my complaint. I called XXXX in the first week of XXXX, XXXX, to ask about what information they needed and that they hadn't asked for any information and hadn't given me any time to submit the information they needed. In the phone call they said a manager would call me within 48 hours to talk about the situation, but no one has ever called me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received a promotional email from The XXXX XXXX XXXX Mastercard by Barclays Bank Delaware on XX/XX/XXXX. In the email, it says I would receive a {$20.00} statement credit after placing 3 orders with XXXX XXXX, XXXX, XXXX, XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX, using my card. The term says the statement credit will be issued 6-8 weeks after the end of the promotion. By XX/XX/XXXX, I made 4 orders with XXXX XXXX and XXXX. However, until now, XX/XX/XXXX, the statement credit was still not issued. I contacted the company multiple times since XX/XX/XXXX. The agents only mentioned that they are investigating/escalating the issue. In the most recent contact with the company, the agent offered no estimated time to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Upon taking a trip on Frontier Airlines in XX/XX/2019, they advertised a credit card where I could get free miles -- enough for 3 round trip tickets. I have cards with both XXXX and XXXX so thought it would be a good way to save for travel w Frontier as well. I went about my life and didn't realize that I never received the Airlines card until I got the past due billing statement from Barclay 's for {$79.00} ( annual fee ). I immediately called and told them that I never got the actual credit card. They offered to send me another but told me that because the 60 days had passed without me putting $ $ on the card, they would no longer be able to offer me the points to get me 3 round trip tickets. I told them if there were no points, I didn't want an extra card, and they insisted that I needed to have the card. They said they would send me another card but I never got it. FRAUD! ARGH. They continued to send me a couple more past due statements for the annual fee and every time I called and said I didn't want the card and that I wasn't going to pay a fee for a credit card I never got! I also said they had BETTER NOT BE REPORTING ME TO CREDIT BUREAU, but apparently they did! Please get rid of this FRAUDULENT charge for a credit card I never received. It was reported to ALL three agencies -- XXXX XXXX and XXXX. The late dates they reported me were for XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/201XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: During the month XXXX, 2020, I contacted XXXX XXXX XXXX Mastercard to inform Consumer Service Dept. that I was beginning Active XXXX XXXX in response to the pandemic. An initial letter with my first XXXX XXXX orders were mailed around XX/XX/2020. Upon my return, I received a letter that the company could not verify my XXXX XXXX status and orders must be included. The company was contacted by telephone and I spoke with a representative asking for my issue to be elevated to the next level since my order was submitted. A second letter, with my orders and a request for all rights under SCRA be afforded to me was mailed in XXXX, 2020. The response of the company was that my orders were not received and the interest rate reduction and fees were not waivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A