Date Received: 2020-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was made aware in XXXX of 2020 that my credit score of XXXX had suddenly dropped between XXXX and XXXX to XXXX. Checking my outstanding balances on the three credit cards I carry showed that I owed negligible amounts on my Visa and XXXX XXXX cards as I pay my balances monthly and that the balance on my XXXX XXXX MasterCard ( Barclays ) card was XXXX as I hadn't used it in months. Checking with the XXXX webpage revealed that I had no outstanding bills or collections levied against me. However, I recently received a letter from Barclays informing me that my MasterCard was terminated due to 90 days of delinquency. Upon checking my Barclays app I was able to confirm that not only was my balance at the time of termination {$0.00}, but that the card had not been used for over 8 months. The date which they issued a 30 day delinquency directly correlated with the dates in which my credit score began to decline. I received no written letter, email, or phone message to inform me of this. Since I had not been using the card and knew that the account had been paid in full I did not have reason to suspect that they were the source of my credit decimation. Upon contacting Barclays this morning ( XX/XX/XXXX ) I was informed that it was not there problem to fix. My score is now XXXX. I was also advised to write letters to the 3 major credit monitoring companies, advisement which directly contradicts the Federal guidance provided by this website. They not only deny any responsibility, which I have full documentation of, but are advising me to pursue a line of dispute that seems to be of even further detriment to my score. Never once was I advised to seek Federal credit advice to rectify the matter. Not only are they grossly negligent in this matter but seem to be actively directing me away from a course of action that would help me resolve it and restore the credit that it has taken me years of responsible financial planning and payment to achieve. I believe, especially due to the documentation I have and the sheer negative effect this has had on my credit, that this qualifies as matter worth pursuing in civil court if they are insistent on refusing to rectify the problem that they are clearly responsible for creating. The Barclays associate with who I spoke is named XXXX, employee number XXXX. Again, I was told my only recourse is to send a written letter via conventional mail to Credit Bureau Dispute FCRA XXXX. XXXX XXXX XXXX, Delaware XXXX and physical letters to all 3 credit agencies and that they will take no steps to restore my credit otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
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: THIS IS THE THIRD CASE I'M OPENING. - ALL I WANT BARCLAY BANK TO DO IS REMOVE THE 30 DAY LATE PAYMENT OFF OF MY CREDITREPORT. I HAVE PROVIDED ALL DOCUMENTATION I COULD POSSIBLY PROVIDE.I AM AN XXXXXX/XX/XXXX XXXX XXXX XXXX MEMBER I WOULD NEVER IMAGINE THIS MUCH STRESS FOR RESOLVING THIS ISSUE. - THIS HAS IMPACT MY CREDIT MIGHTLY AND COST DENIAL OF MORTGAGE LOAN AND NEGATIVELY AFFECTED MY CREDIT SCORE. I WAS XXXX/XXXX WHEN THE ACCIDENT OCCURED. I PROVIDED DOCUMENTATION OF MY TRAVEL ORDERS, BANK STATEMENTS, AND THE PREVIOUS COMPLAINTS. - I ALSO MAILED THE DOCUMENTS MR. XXXX ASKED FOR AND ATTACHED THIS COMPLAINT ALSO. I HAD PROVIDED THESE DOCUMENT IN THE TWO PREVIOUS COMPALINTS AND ALSO MAILED THESE DOCUMENTS TO BARCLAYS FCRA FOUR TIMES VIA MAIL. ONE IN XXXX, TWO IN XXXX, AND ONNCE IN XXXX THEY HAVE BEEN MAILED TO FCRA. - I STILL HAVEN'T HAD MY ISSUE RESOLVED. I'm XXXX XXXX XXXX XXXX. I wentXX/XX/XXXX on training out of the country on XX/XX/2020. On XX/XX/2020 a payment didnt go through and after contacting my mom as a emergency contact she paid the payment on my behalf. Once I return in XXXX, Ive noticed a 30 day late payment charge on my credit report. Ive been a customer with no missed payments for over 4 years. Ive called and send them documentation showing my orders in XXXX and XXXX and early XXXX and I was told it cant be removed. - The company keeps asking me for documents I already gave them. For me to be military I've never think I have this much fight to remove this late 30 day payment on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have a re-occuring issue with Barclay 's Bank of Delaware. I have 3 cards with them : 1 ) a Barclays Credit Card 2 ) a XXXX XXXX Credit Card 3 ) a Wyndham Rewards Card I have had them for some time. I have always paid more the minimum due each month and have been attempting to pay down on all of the cards. What is irritating is Multiple times after I pay my bills, sometime with a significant amount, they will reduce my upper credit limit. My main concern is that the FICO score is based on the percentage of utilization of available credit. So when I pay down to try to reduce my utilization, Barclay 's will zap my credit limit down, with has the effect of lowering my FICO score.. Although I do have a high ratio on credit limit to balances, my debt is only about 25 % compared to my total income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To Whom It May Concern : I logged onto my credit card company 's website ( Barclay Arrival Card ) to make my regular payment on XX/XX/2020. It read that I did not have a payment due. I thought it was odd so I took a screenshot ( see attached ). I received an email just now ( XX/XX/2020 ) saying the payment was late. I logged on just now and the company assessed a {$37.00} late fee on XX/XX/2020, the same day I went on to pay it but did not even have the option to pay because it read that " A Payment was not due '' ( also see attached screenshot for today with a late fee added ). I actually was planning to make a payment anyway since I was on there and am working to pay it down. I did not even have the option to make a payment. And then seven days later they assessed a late fee. This is unacceptable and shady business practice ; one for which I can not be the only victim, I'm guessing. I have also attached the emails that I sent myself immediately with the two screenshots attached, one from XX/XX/2020 when it said a payment wasn't due and one from today, 7 days later, after notification came into my inbox saying payment was late and I learned the fee had been added. Please refer to the two attachments with the email date and time signature - that is, the PDF versions in landscape as the portrait PDFs did not capture the date and time I sent myself the emails with the screenshot attachments as evidence. Your remove attachment buttons are not working so I could not remove the other email attachments that do not capture the date and time signature for when I sent myself the emails. I'll be paying the full balance and terminating the credit card but I am sure I am not the only one to whom this has happed. Please address. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I am writing this after I left work in distress. I informed my boss that I was about to have a nervous breakdown and that I need to go to XXXX XXXX Courthouse to see if anything is true. At XXXX XX/XX/XXXX, I received a phone from a number in XXXX XXXX MO XXXX XXXX XXXX. I answered and a robo call asked if my name was XXXX XXXX. I answered it. This number been calling me on a regular basis. Normally I ignore robocalls because there is a high likelihood of being scammed. The lady answered the phone and I said someone called me from this number I think? I was put on hold and then the women began speaking to me. She told me that she was calling in regards of a debt from XXXX. And that a judgment had been made against me. My wages were going to be garnished. I left my desk chair ( at work ) to go to a room more private. Then I asked the lady about what this was about? I was confused at what she was talking about. She repeated the same thing but this time telling me I declared bankruptcy in XXXX and that I was trying to repair my credit and then had no intention of paying off this credit card I was still confused and asked have I been mailed any of this. Because I can't remember that time. Then she informed me " Barclay 's sold off the debt in XXXX to a collector who was ignored by me and that they had already obtained a judgment against and will be garnishing my wages if I didn't pay right now '' She said my current debt owed was XXXX and that isn't the real amount from original debt. That amount was for the debt and court and attorneys fees from the judgment. But they would be willing to offer to settle for XXXX. I asked her when was this judgment filed. Was not provided the information. We both raised our voices and she accused me of getting loud with her and that she was going to hang up the phone. I said I'm not getting loud, I'm trying to understand what you are talking about. I told her that if this happened I would have been notified of this and I had not. I have had court cases filed on me and that I would know about it. I said and there is a statue of limitations on debts. And she said yes there is and its 7 years. Which I told her that is incorrect, the state of Missouri that statue of limitations is 5. Then I asked for the court case number and her company name which had not been provided yet. It was not giving to me. I know that collectors have to provide this information. I ask her to please send me the information of the court date and case number. She told me, that she did not need to provide that information and I could go down to the XXXX XXXX court house and see there is a judgment there. I informed that I have gone down to the Courthouse within the last few years to check if I had any judgments or court cases in other instances. SO I would know if had cases pending. She then told me again how she was going to say I refused to pay and that she is going to garnish my wages since they already had this judgement. I asked again for the court case and was told they can't provide that and the only thing they can provide is the settlement offer in the mail or it would be refusal of payment. I told her I still am trying to figure out what THIS is. And then she said she since you are refusing to pay we will be garnishing your wages. I then broke down at work. Asked my boss if I could leave as I was about to have a nervous breakdown. And left work. Then I checked to see if there were any court cases or judgments against me from any company since I didn't even know the name of the company that called me. The last judgment or court cases was in XXXX that dealt with my condo fees being delinquent and settling those. In addition, I was never given a way to dispute this claim they had. I don't appreciate not being told WHO the collector is, What case number, which there wasn't one so this was a blatant lie, and then being harrassed and accused of being a fraud after my bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
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 charged for an XXXX bookstore purchase that I did not make on my Barclay 's visa. I only originally got the card to finance an XXXX product and once paid off I actually emailed thr company and requested the account be closed. They did not close it and I noticed months later on my credit report that there was a late payment on this account in reference. I have no missed payments and I do not recognize the charge and I also have never made a bookstore purchasethroughXXXX to my knowledge. I already have an XXXX visa for all my XXXX purchases so I am pretty certain I would not have charged one thing to the Barclay 's card. I actually destroyed the card once I asked that it be closed. I contacted the company and received a letter stating I won the dispute but only for 1 dollar. I was very confused by this and continued to contact them and got an email stating that it could take 30 days to investigate. But its been several months of going back and forth and my credit score has decline 100 puts since. They also closed the account on me due to lack.of payment and now with all the late fees and interest it is hundreds of dollars owed. I have even called and spoken to a manager and dispute specialist to which that has been no resolution. And I have been denied the ability to finance some necessary services for my home due to this particular remark on my credit report that previously was in the 750s and had no missed payments. Still nothing back from Barclay 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 948XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never had such an experience in my life. I never had a timeshare I was threatened to pay or my credit would be ruined. I dont own a timeshare. Can someone just ruin your life and make you pay for it? Please delete now. Barclay. I have no idea where this came come I was told it would be deleted. Its still on my report. Its not mines XXXX XXXX XXXX, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine I never had a time share this is illegal. Please delete this now. I dont understand how this happened. Is it because I am XXXX? BARCLAYS BANK DELAWARE, Date : XX/XX/XXXX, Account # : XXXX, Amount : {$0.00}, Payment : {$0.00}, Issue : This account is not mine i never had this card I was told it was a authorized user. You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was contacted by a company called XXXX XXXX XXXX XXXX of XXXX VA that they had purchased my credit card account from Barclays Card Services on XX/XX/XXXX ; while I was under Chapter XXXX Bankruptcy. Barclay Credit Card Services never bothered to notify me of their reported sale of my credit card account ( XXXX XXXX XXXX XXXX ). I have written three letters to Barclay Card Services asking for verification of their reported sale, To date, Barclay Card Services has not responded to my two previous letters ; dated XXXX and XXXX. I have now written a third letter to Barclays Credit Card Services, dated XXXX, Once again asking for verification of this sale, the date of the sale, the account balance at the time of the sale, and a payment and billing history for XXXX and XXXX.
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: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
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: Greetings, I bought a plane ticket through the travel agency, XXXX XXXX from XXXX XXXX using my XXXX XXXX XXXX XXXX XXXX Master Card credit card account ending in # XXXX with a post date of XXXX XX/XX/2020 in the amount of {$330.00}. On XXXX XX/XX/2020 I received an email from the travel agency stating : " '' Dear XXXX XXXX XXXX Thank you for choosing XXXX for your travel reservations. Your reservation with booking # XXXX made on Saturday, XX/XX/2020 has been cancelled on XX/XX/2020. Any authorizations made to your credit or bank card will be released within 7 14 business days. Please visit our web site at XXXX or call our Customer Service Department using our toll free number XXXX for all your future travel needs. Thank you, XXXX Billing Department '' '' I never received any release and the charge stayed on my account. I then disputed the charge with Barclays credit card and they stated : " '' Merchant supplied itemized copy of documents that this charge is valid. Merchant supplied documents such as the transaction details. Service was provided. '' '' In fact, the service was NOT provided as proven by the above email from the travel agency. This is a false claim by the XXXX XXXX. Now the Barclays is telling me that they can not assist me with a credit because I did not provide them with a print out of the email within 10 days. So they accept the XXXX XXXX false statement and they reject mine. They sent a written request for information to home. I was not home at that time. Once I did arrive at my home, I called them and discussed the fact that I had no printer, and the public library was closed due to the virus. I had no way of sending them this email since they did not receive emails but only mail by post. XXXX XXXX continues to tell me that they are contacting and re-contacting XXXX XXXX to get the refund but XXXX XXXX is telling them they can not issue a refund because I have disputed the charge with Barclays Bank. I have provided copies of the documents from Barclays Bank showing the dispute is closed and no refund was issued. THIS IS THE MOST IMPORTANT INFORMATION ( an email from XXXX ) ===================================== From : Collections XXXX XXXX Sent : Friday, XX/XX/2020 XXXX XXXX To : XXXX XXXX Subject : " Reply urgently '' Charge-back Received On The Booking Ref : XXXX Kind Attention : XXXX XXXX XXXX, XXXX Booking Ref : XXXX Travel Cities : XXXX, XXXX XXXX XXXX XXXX XXXX to XXXX, XXXX XXXX XXXX XXXX Travel Date/s : Sun XXXX Traveler/s : XXXX XXXX Total Booking Amount : {$330.00} Charge Back Amount : {$330.00} Dear Mr.XXXX, This is with reference to the above reservation you made through XXXX on XX/XX/2020 XXXX XXXX. We received a communication from the Airline informing us that you had disputed the charge of {$330.00} paid towards purchase of the above tickets. As a result your bank reversed the transaction and the Money was taken back from the airlines account. Please be advised that, as you have file a charge back, Airline does not allow us to process refund as that could lead to double credit. So, we have informed Airline that you are looking for full refund. Airline might have accepted the charge back so that you could get the permanent credit of the disputed amount of $ XXXXPlease check with your card company XXXX whether you have received permanent credit of the mentioned amount ). For any queries, please respond to this email. We are temporarily unable to take calls during this time and apologize for the inconvenience. We are available from Monday through Friday between XXXX XXXX and XXXX XXXX EST IMPORTANT CONTACT INFORMATION : Please note that our customer care centers are temporarily closed to protect our employees from the COVID-19 pandemic. Because of this, our phone lines are disconnected. However, you can still reach us by replying this email. Well be happy to help you with all your questions about chargeback, or any related issue you might have experienced due to the COVID 19 pandemic. Regards, XXXX XXXX / Charge Back Department XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, NY XXXX Ph : XXXX Ext : XXXX Fax : XXXX ====================================================== Every month Barclays Bank adds interest charges and late fees and my credit score goes down down down. Please Help! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A