Date Received: 2020-11-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Dear Sirs : My credit card company is charge me every month doubled the payments We are in pandemic situation I pay every month but this people are brutal very unfair Businesses practices, I call several times to dispute the charges but not one can not help me, ask them for a replacement of my card but nothing yet, I dispute a charge was clone card and they never help me. How you can help me.? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
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 tried to resolve this credit issue with Barclays Bank Delaware but to no avail.Unauthorized Administration of XXXX XXXX, Estate [ XXXX ]. KNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX am an Original XXXX XXXX XXXX XXXX from XXXX a Walking, Talking, Independent XXXX LIVING on the land of Republic America with righteous acknowledgment, Reclaiming in Glorious and Proper Capacity his Esteemed Honorable place as occupant of the EXECUTOR Office of XXXX XXXX XXXX Estate. Pursuant to section 609 ( a ) of the FAIR CREDIT REPORTING ACT ( FCRA ) I, The Executrix Office is respectfully demand and/or or request that I be furnished with a copy of any and all applications, contracts, documentation and/or information within XXXX XXXX credit file used to determine verification of each account being reported and that pursuant to 609 ( c ) ( 1 ) ( A ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) a summary of rights to be included with your disclosure for inspection and examination of the above referenced account. Please note : that Consumer is in compliance with 610 ( a ) ( 1 ) of the FAIR CREDIT REPORTING ACT ( FCRA ). XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX, Estate [ XXXX ]. These unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the Original Account-Level Documentation means : a ) Any documentation that a Creditor, or that Creditors agent ( such as a servicer ) provide to a Consumer about a Debt ; or b ) A complete transactional history of a Debt created by a Creditor, or that Creditors agent ( such as a servicer ) ; or c ) A copy of a judgment, awarded to a Creditor The Credit Bureaus must ensure and validate that the Creditors documentation on file is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? According to the Fair Credit Reporting Act 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, by and through, the physical verification of the genuine original wet ink signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof, in the form of a certified copy of my genuine original Consumer Contract with my Signature on same ( see Uniform Commercial Code 3-308. PROOF OF SIGNATURES ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, perhaps rising to misfeasance, which is defined in pertinent part as, The performance of a duty or act which one ought or has a right to do, but in a manner such as to infringe upon the rights of others, and/or malfeasance. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a certified, true, correct, complete and not meant to mislead copy of verifiable proof, you must remove the accounts listed below. Even though the law requires the credit reporting agencies to verify every account on consumer credit report before reporting on consumers credit file. In fact the lender never, ever, ever, sends the credit applications, signed contracts or any documents whatsoever before they report the items on consumer credit report to All credit bureaus. The CRA accept any and all credit items that a creditor sends to them electronically. They accept these credit items as true and correct and belonging to the consumer. The CRA simply place the information on consumer credit file with NO VERIFICATION. Provide proof of verification!! Please include the Original Account-level documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
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: First off I a not disputing the fact that I made the charge because I did. My issue is that when I asked XXXX XXXX XXXX where my credit was, they're making out like they sent the credit through Barclay 's and that Barclay 's isn't issuing me a refund. I wrote Barclay 's and the only real address is for disputes and I let them know that I ' not disputing the transaction but they still processed my request like a dispute declining it saying that I am out of time for my dispute and put the {$440.00} back on my credit card. Me the consumer is the one suffering due to XXXX XXXX XXXX ripping me off and then to have Barclay 's not have my back and help me to get the credit that I am entitled to per their cancellation policy. Please help me get my {$440.00} back. Below is the actual email that I sent to the company and to Barclay 's credit card and the response I received : I would like some help from someone at your company. I work for XXXX XXXX and learned about your company via XXXX in the travel section. I promise that I will be reporting this to our HR/Benefits team so they remove your company from XXXX depending on how this turns out. I made the reservation XXXX via your website for a room in XXXX KY for XX/XX/XXXX, for the XXXX XXXX XXXX. Unfortunately, COVID 19 canceled the show so I in turn canceled the reservations I had for the hotel, airline tickets, rental car and zoo tickets shortly after I received the notice on XX/XX/2020. I received a refund from all of the companies except yours. So on XX/XX/2020, I disputed the charge and they removed the {$440.00} from my charge card as you can see by their credit on XXXX ; however, as you can see in my list of un-statemented transactions, Barclays re-billed my account for the XXXX charge of $ XXXX.I have included copies of my reservation, credit card charges/credits, an email proving the cancellation of the XXXX XXXX XXXX and an email from XXXX for a refund confirmation. As all the information shows, XXXX XXXX did not issue a refund to my credit card or it would have posted like all of the other reservations I booked for our trip. I have copied the Attorney General of XXXX, IL and the Mayor of XXXX as a way of filing a complaint about your company not refunding the {$440.00} that you owe me per your cancellation policy that is a full refund if canceled prior to XX/XX/2020. I can not afford to lose {$440.00} due to we've already been affected by the virus and my husband losing numerous properties that we provide lawn services for. Please refund my {$440.00} to my account ending in XXXX, you have the full account number but if you need it again, please contact me. XXXX XXXX XXXX XX/XX/2020, XXXX XXXX ( 12 days ago ) to XXXX Dear XXXX XXXX XXXX please see the email below that I received in response to my email last night. Thank you so much for your help in getting this resolved and my refund given to me. I am feeling a little less desperate now that I know someone is listening to me and wants to help. Sincerely, XXXX XXXX Long time card holder and Loyal to the end Email received from XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : Member Services XXXX XXXX Date : Wed, XX/XX/2020, XXXX XXXX Subject : Reservation Refund # XXXX To : XXXX XXXX XXXX Cc : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Hello Ms. XXXX, We have confirmed that we issued your refund on XX/XX/XXXX the PNREF number is XXXX. We are not sure why your credit card issuer is refusing to credit your account as this is refundable reservation that was canceled prior to the cancellation deadline. Did your credit card issuer advise as to why they have reversed the refund? Please contact your credit card issuer to identify if they need written authorization from our Accounting Department confirming the authorized refund in the amount of {$440.00}. If so, please let us know and our Accounting Department will forward a refund authorization letter to you. Best Regards, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Text : XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. This was situation that I could not control. Account number : XXXX Credit limit : {$2500.00} Opened : XXXX XXXX, XXXX ( 13 yrs, 9 mos ) My request is based on many damages that I have suffered based on a third party error. I WOULD LIKE A FAIR SOLUTION : THIS LATE REMARK IN XX/XX/XXXX REMOVED FROM MY CREDIT REPORT ASAP. Please contact me if you need further information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Barclay Card US I opened a dispute regarding a purchase in XXXX and the process to file the dispute was very long and complicated. I was told to upload documents and explain what had happened. A month later and the credit card company closed the dispute without informing me and when I called them they said that I would have to write in a letter to re-open the case. They can not accept emails or calls to re-open the case. I was told that I needed to provide purchase receipts, statements and emails all of which I had already provided when I opened the dispute. I asked to speak to a manager and logged 2 complaints. The first complaint was not recorded and the second complaint I was promised a call back from a manager within 7 days. 10 days later and I still have not been contacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
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 opened this Barclays credit card, used it and paid it in full with a XXXX balance owed. When I moved overseas in 2015, there were fraudulent charges made on this account that caused the account to go into collection and report adversely on my credit report. The FTC Identity theft report, police report and letters were forwarded to the fraud department and the executive president 's office. Additionally this account was sold to XXXX XXXX who also received the fraud information ; they investigated and deleted their reporting but explained that they did not have the authority to delete Barclay 's erroneous reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
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 used my Barclay carnival mastercard ( big mistake XXXX to pay for a speing break vacation in XXXX florida at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX booking hotel website. for dates XXXX XXXX XXXX amount of XXXX. The hotel closed before my arrival dates due to XXXX closing reference COVID-19. the hotel was not open on my said dates and I had to cancel. I called XXXX who advised me to have hotel maingate call them to verify closing of hotel which I did but hotel said they never call companies ever the company can call them so I called company back and now they told me to submit a written request on chat which I did and all my requests were deleted I didn't get refund I called Barclay to file complaint after found a website claiming XXXX is a fraud and a scam-there is now articles all over news about them scamming people for money. Barclay will not help ie mailed the resident of Barclay who also stopped responding to ym emails- they did say they would investigate but came back and said XXXX disputed so wouldn't refund money than I got an email after that from president of XXXX saying yes I am due a refund of total amount back to my card I submitted that back to Barclay along with an email rfom hotel probing there were no charges for me on my folio since I didn't go and everytime I call Barclay to follow up they don't give m e info they say they still investigating they wont tell em anything or help me and presiden wont email me backj I have received no letter and its been past 45 days I want my refund back for XXXX other people in the scammed XXXX groupo are getting there money abck from their banks seems Barclay is the only credit card giving their customer issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Bank US reported an unauthorized inquiry on my credit report on XX/XX/2020. I did not authorize this inquiry from this company, but the inquiry shows up on my XXXX Credit Report. I have contacted this company regarding this issue and they told me to contact the bureau and create a dispute with the credit bureau. Once I have done that, nothing happened, and the inquiry was not removed from my credit report. Furthermore, I have contacted XXXX and they told me that there was not a formal dispute process for disputing inquiries off of credit files. They have further told me that their process was that they send out a notification to the creditors to have them remove it. XXXX have done that three different times, and nothing happened, and the unauthorized inquiries still remains on my XXXX report. I am very disgruntled regarding this matter and my next steps is to file a small claims lawsuit with the courts if this matter is not resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Since XX/XX/2020, I have been attempting in vain to arrange for a payment plan on my account since I was adversely affected by Covid-19. I was laid off from work and could not pay my bill. I received a notice from XXXX XXXX XXXX that my account was in collections. I was informed that I would have to call back to arrange for a payment plan since a supervisor was not available. Since that time, I have called both XXXX and Barclay 's approximately 7 times to try to get this matter resolved. On XX/XX/2020, I was informed by XXXX XXXX of XXXX that Barclay 's had reclaimed the account as of XX/XX/2020 and that I would have to call back since he could not accept a payment from me. I also called Barclay 's on XX/XX/2020 and spoke with XXXX ( # XXXX ) and account manager XXXX, both of whom told me they could not accept a payment from me since it was being " charged off. '' On XX/XX/2020, I called and spoke with the Collections Department who also told me to " check back '' because my account had not yet been assigned to another collection agency. On XX/XX/2020, I called and spoke with XXXX XXXX who told me the same thing. There was a TV blaring in the background. On XX/XX/2020, I spoke with XXXX of the " Back Line Department '' and he told me the same thing. During this entire time, late fees are accruing, interest is accruing, and I am being negatively reported to the credit bureau. All I want to do is get on a payment plan and get back on track since I am now working again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07450
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2020 - {$200.00} XX/XX/2020 - {$250.00} Barclay credit card company accepts via telephone, payments using only a checking account number and bank routing number. They do not ask the payer to verify the name on the checking account nor do they validate whether the name on the credit card and the checking account are the same. Due to this blatantly insecure policy of theirs, my checking account was debited twice within 5 months without my authorization. I had to file a dispute each and every time which is a long and arduous process. This policy is an open door for fraud and theft. Stricter requirements must be in place when someone is using a checking account to make a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A