Date Received: 2021-01-12
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: My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding Barclays Bank and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with Barclays Bank or XXXX XXXX XXXX in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require Barclays Bank nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76105
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
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 submitted a complaint on XXXX and they sent a letter that it would be fixed in 30 days and its still reporting as a late payment when they said it was removed per the letter they submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Someone used my Barclays credit card to make a lot of fraud charges for total about {$7500.00} around XX/XX/2020. When i see these charges in the statement I immediately call Barclays and report it, customer service said they will close the account and start the investigation. I have filed police report. About one week later I the credit for all charges on my account. But just a month later I received a letter in the mail said that they have completed the investigation and that i'm responsible for all the charges. I call the phone number in the letter asking why and the customer service said that fraud claim denied because investigator said transaction was made by a chip credit card, and it is very hard to duplicate the chip card. and also that online purchase was shipped to my billing address. So I ask customer service what address item was shipped to she just said it is shipped to my billing address. I ask her can you read out the shipping address but she said she couldn't. I then ask customer service to send me all the documents of the investigation, she said I will get it within 10 business days, I still have not received it. I also request for supervisor call back and it have been more than 10 business days still nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79424
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have noticed that account ( Barclays Bank Delaware ) is reporting on my report. This is not my account. Im not the primary account holder. I was added as an authorized user fraudulently. The primary account holder and the credit card company wont remove me without the primary account holders permission. The account is not my account. InXXXX 2020, I contacted the company to ask that I be removed but was told I needed the last four of the primary account holders SSN, which I didnt have because it was unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I dispute and request investigation with late payment reported by Barclays. I have had this issue with this company numerous times in the past. I set up the automatic payment method through their application made possible through the android store. Payments would go through automatically as planned but every few months the payment would not be automatically deducted and would occur late fees, I would call and they apologize and credit the late fees, I again set up the app and continue making automatic payments. The app went through and update and my payment was late again for for the month of XXXX unfortunately I did not catch it in time to call before the 30 days were up. I am not asking for any type of credit but during this Covid 19 pandemic I should not have to worry about a giant companies app not properly working and causing a negative reporting on my credit, while we try to not loose our homes and jobs due to current situations. I ask that they remove the negative reporting to my credit. If you have any questions I can be reached at XXXX to answer any questions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
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 received an e-mail from Barclay Card that there was an attempted fraudulent transaction on my card. I logged into my online Barclay Card account, which revealed an attempted fraudulent purchase of over {$3300.00} at XXXX XXXX on XX/XX/XXXX. Fortunately, this fraudulent transaction was prevented. However, there were 3 other fraudulent charges that posted from the same day : {$2.00} at XXXX XXXX ; {$27.00} at XXXX-XXXX and another {$240.00} charge at XXXX-XXXX. None of these purchases were made by me. Barclay Card claims that the purchases were all made with the chip on my card, which is impossible because I have had my card the entire time. It seems rather obvious that the fraudulent criminals somehow obtained my credit card number and first did a small transaction to see if it would work followed by ever-increasing charges. I filed a police report, which I provided to Barclay Card. Nevertheless, Barclay Card has called me a fraud and insisted the charges are legitimate. Despite repeated requests, Barclay Card has refused to provide me any information about these charges. To wit, Barclay Card has refused to tell me where these charges and attempted charges were made. They refused to provide their evidence that the chip was actually used. They have failed to provide evidence that a chip can't be replicated. They have failed to provide any receipts showing signatures or fingerprints on the receipts.. They have no security footage showing who made the charges. Barclay Card never sought to obtain any of this information. Instead, they outrageously told me on the initial call I made to report these fraudulent posted transactions that the charges were legitimate and I can do my OWN investigation like pulling security footage from these stores when I don't even know their addresses or the time of the charge. Barclay did no investigation, other than to insist the charges were legitimate because the charges were allegedly made with the chip. They have failed to explain how their own fraud alert from the same day factors into their analysis. I have been a Barclay customer for 8+ years. I have NEVER disputed a charge as fraudulent with Barclay. My Barclay card is a travel/restaurant card. I spent tens of thousands of dollars with Barclay in the past year and exactly none of it was at retail stores. I have other cards I use for those type of purchases. I have a credit score over 800. I am an attorney who defends large corporations in deceptive and unfair trade practices disputes. Luckily, all of the lawsuits and claims I have defended have been frivolous. However, Barclay is clearly acting in bad faith and committing deceptive and unfair trade practices. As noted above, Barclay insisted in my initial call with them that the charges were legitimate because the chip was used. XXXX XXXX in the Barclay Office of the President issued a letter in bad faith where she claimed the charges were also legitimate because my card was never lost and I admittedly made legitimate restaurant charges after the fraudulent charges. If XXXX XXXX were being objective instead of a Barclay shill she would have realized that the legitimate restaurant charges posted after the fraudulent charges instead exemplify that Barclay 's findings that the chip was used and/or a chip can't be replicated are wrong. She would have further noted that Barclay 's longtime customer was being honest in saying the card was still in my possession rather than lost. She would have factored in Barclay 's own fraud alert from the same day as the posted fraudulent charges. She would have realized that an attorney in good standing with several state and federal bars is not going to waste his time trying to defraud a credit card over {$270.00} and file a false police report, which is a crime that would endanger my professional livelihood. I am shocked that Barclay Card has opted to behave in this manner. It speaks to their unfair and deceptive trade practices across the board, not just in regard to these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX at XXXX pacific time, I contacted Barclay Bank by phone to alert them I was having difficulty making my payment this month, and needed to cancel automatic payments. I was assured there were no automatic payments on this account during a call I recorded. On the XX/XX/XXXX, I logged in online, and made a one time payment to keep the account from going 30 days late. I entered in my checking account number and routing number for this one time payment, and it was difficult to get those funds together. Two days later, on XX/XX/XXXX, another payment was processed by the bank in the same amount. I immediately contacted the bank, and was told collections withdrew the funds from my account, but that they would attempt to reverse the payment and get it back to me within two billing cycles. I don't have the luxury of two billing cycles. These were funds that were not theirs to take, that I did not give permission for them to take, and now feel stupid for trusting this sleezy institution with my checking account information. I ask that the consumer financial protection bureau takes swift action on this while I explore all options available for me to recoup the losses from this theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The company said I had 2 late payments in which I never had any late payments. Barclay specifically gives you late fees when you have late payments. I asked the credit card company for them to prove and provide the late fees so they could see I never was late and both the credit bureau did not ask or Barclay did not provide but they continue to keep these two late payments on my closed account which is damaging my credit. I spoke to two people at Barclay who told me how to ask for the late payment to prove it was not late but they did not have the authority to remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
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 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: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon pulling my credit for a purchase in the near future, I notice an inquiry that I never authorized. I have made several attempts to try to rectify this issue with this company. They have not addressed this issue. This inquiry has effected my my credit score. I take great pride in my stellar credit, which I have toiled relentlessly to get to this point. Please remove this unauthorized inquiry from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A