Date Received: 2020-12-17
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: My wife and I have been XXXX XXXX members for over 30 years and in XX/XX/XXXX we were on our annual vacation at a XXXX XXXX timeshare XXXX XXXX location. During our visit we attended a NO obligation tour to get for additional points. XXXX XXXX provided false information about the additional points and pressured us to buy XXXX additional points. At this time I was XXXX years old. Mr. XXXX told us, we have 7 days to change our mind with no penalty. The very next day we went to the office to cancel the additional XXXX points. We were told XXXX was not available and he was the only person who could help us. We left the resort, returned home and immediately called, sent an email and a certified letter including the two Barclays cards stating we did not want the additional points ( please see attached ). The cards had NEVER been used and we never received a bill, nor phone call from Barclays. On XX/XX/XXXX we received a letter form a collection agency. After several attempts to resolve this matter we were forced to hire an attorney. On XX/XX/XXXX we agreed to surrender and XXXX XXXX agreed to take back our XXXX points. In addition to the XXXX they took back all of the points and weekly rentals we had accumulated over 30 years!! XXXX XXXX is reporting this account with a XXXX balance, however Barclay 's is reporting we have a balance of over XXXX and it is in a charge off status. I am now XXXX years old, I have lost all of my vacation time, and have lost thousands of dollars in attorney 's fee 's and now an in jeopardy of loosing my home to foreclosure effective XX/XX/XXXX. For three weeks I have been trying to resolve this with Barclays. I have sent documentation to both Barclays and XXXX XXXX and have had no success. I don't not want loose my home. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I entered into a DMP with XXXX XXXX in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now Barclays XXXX last 4 numbers reported me late without notifying me. I got reported late for under XXXX dollars. I paid XXXX XXXX which then turns around and pays Barclays. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after Barclays excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX. I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I'm a desperate consumer. I don't know what else to do to get a response from Barclays. I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. I thought the account was closed, as I couldnt login to account. The card he had was expired, I thought I was getting a replacement card. Then an {$89.00} annual fee came on and I ended up being over 90 days late. I wasnt even aware of this fee. This company has been reporting wrong information. Barclays has been negligent. They have committed the following actions, which are considered busines ' violations.Unfair business practices, Failure to provide adequate customer service, Breach of contract, Negligence, Violation of Cares Act. Account : # XXXX, Date Opened XX/XX/2000, Balance {$390.00}, Credit Limit {$40000.00}. I WANT THE LATE PAYMENT CORRECTED AS A COMPENSATION FOR ALL THE DAMAGES THAT I HAD TO GO THROUGH. Please sed the attached documentation to this company. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96786
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
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 was notified by XX/XX/XXXX barclays that a strange charge had been made on my card # XXXX on XX/XX/2020 from XXXX 's XXXX in XXXX NV I informed them that the card was in my possession and had not been used by me. I reported the fradulent charge on XXXX XXXX, 2020 officially. at that time they cancelled the old card and insisted on issuing me a new card ending in # XXXX, although i did not want it. I never activated that card. on XX/XX/2020 i received a letter confirming that their fraud department had determined that i was not responsible for the reported fraudulent activity. I then began receiving bills for the old fraudelent charge on the new card that i had never activated. I have recieved bills for the same fraudelent charge on the new, unactivated card every month since XX/XX/2020. I have called barclays every month since XXXX and have spoken to numerous people who have assured me that they will rectify this. I just recieved a bill for the month of XXXX. my FICA score has been affected, and my credit was just under XXXX before this. they keep sending me bills, destroying my credit and will not fix this no matter how many times i call or who i speak to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32952
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Okay I logged into my credit reports and noticed an account name Barclays it has a balance of {$XXXX} it is under credit card accounts. Ive never had a credit card with this company and I havent opened any accounts in 2019 as it states it was opened XX/XX/2019 which is the year my identity was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX, on XX/XX/2019, XXXX XXXX XXXX XXXX and on XX/XX/2019, BARCLAYS BANK DELAWARE add a hard inquiries on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33040
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, BARCLAYS BANK DELAWARE and on XX/XX/2019, XXXX XXXX add a hard inquiries on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
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: Starting XX/XX/XXXX, I purchased a rental car for an upcoming trip. Upon the charge being processed, I then used my reward points against the purchase. Due to the ongoing problems pandemic our trip had been postponed. There was a bit of a mix up with the rental car company and they did not push our reservation out to next year. I asked for my money back and they said they could only give me half of the {$470.00} back or they can rebook our reservation for the following year. Not wanting to lose money on a reservation that had already been paid in full I agreed to the new reservation. For whatever reason the rental car company could not apply the money I had already paid for the original reservation on their end. What they were able to do was to refund me for the original reservation and then charge me for a the new reservation right after so that the refund and new charge would cancel each other out. On XX/XX/XXXX I was issued the refund for {$470.00} followed by the new purchase of {$470.00} on XX/XX/XXXX. Ergo the refund and purchased cancelled each other out and I only had to come out of pocket with {$1.00} ) Initially I had agreed to this until I was told that the prior daily rate I had already paid for would not be honored and it had gone up in price. Thus my new reservation was more expensive than the original. I tried to reason with the rental car company about this but they wouldn't budge. I then disputed the charge on my credit card to get my money back. Initially Barclay provided me a loaner credit of {$470.00} while they looked into the dispute. While this is happening, the refund for the initial reservation had gone through and so did the purchase for the new one ( just to reiterate, On XX/XX/XXXX I was issued the refund for {$470.00} followed by the new purchase of {$470.00} on XX/XX/XXXX. Ergo the refund and purchased cancelled each other out and I only had to come out of pocket with {$1.00} ) Naturally on Barclay 's end it looked like I had gotten my money back due to the rental car company 's inability to apply my credit from the previous purchase to the new one their end. That being said the rental car company still has my money and I did not actually get my money back. Upon what looked like a refund barclay 's then charged me {$470.00} to cover the loaner credit that had issued me. The problem with that is, 1. I never got any money back. 2. I did/do not owe barclay 's any money seeing as how I didn't get any of my rewards points back either. I then called customer service about this charge that barclay 's had applied and was told to file a dispute yet again and just keep that charge on my card until it is settled. The problem with that logic is in what way is it smart or fair to expect someone to keep almost {$500.00} in credit tied up and let it accrue interest? So I paid off that deposit not expecting this ordeal to take over two months to be resolved. I have messaged barclay through the website multiple times and have called customer service multiple times ( call log upon request ) only to be given the run around. Finally someone from the office of the president called me on XX/XX/XXXX, I saw the missed call and called back 20 minutes later and left a voicemail. Additionally I have left multiple voicemails on the following dates ; Monday XX/XX/XXXX I left a voicemail at XXXX, Tuesday XXXX left a voicemail at XXXX, Thursday XXXX left a voicemail at XXXX, Thursday XX/XX/XXXX left a voicemail at XXXX XXXX. After not getting any of my calls returned I called customer service yet again at XXXX to let them know I am still waiting on a follow up call. I was told my case is still open and that they would make a note on my file that I called. I called again XX/XX/XXXX at XXXX and again at XXXX I asked to speak the compliance officer and was told they didn't know, I asked again to speak with the compliance department and was told by the customer service rep that she doesn't have a number for that department. I would like it to be known that I was given a case ID number and I would call every few weeks to see how things were progressing only to then be told I had no case/ the case did not exist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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, someone used my credit card to purchase {$1000.00} from XXXX. They used my billing address, phone number, and shipping address to place the order. After the order was placed, they had the shipper redirect the order to a new person and location. I reported the credit card as stolen, and the credit card company gave me the credit and sent me a letter acknowledging the dispute. Several days ago, the credit card company put the charge back on the card because the merchant said I ordered the merchandise. I contacted the credit card company about the charge, and they are taking the side of the merchant. They will not let me reopen the dispute and are keeping this charge on my account, accumulating interest. I contacted the merchant again this weekend who sent me an email today confirming that this order was rerouted from the merchant, but the credit card company has offered no method to escalate this. This is right before XXXX, but I can't purchase anything now because of this huge ( to me ) charge on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A