Date Received: 2020-10-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fraudulent charges were made on my XXXX Barclays Mastercard to the amount of {$9300.00}. I promptly reported the charges, and the card company told me that the investigation would take 30 days before it would be removed from my credit report in a letter dated XX/XX/XXXX. This was mid XXXX. I made a police report XX/XX/XXXX with the XXXX, Maryland Police Department, because that was the town I last used the card. I reported the fraud to one of the credit bureaus. They have only refunded {$700.00} of the over {$9000.00} of charges. They have not removed the charges from the card or marks from my credit report and have not contacted me or provided me with any supplemental information despite me contacting them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for the Barclays Arrival+ credit card specifically for its advertised travel cancellation and interruption insurance. I submitted a claim earlier this year, # XXXX to Barclays through the CFPB website. They misunderstood the complaint and immediately denied it. My trip was cancelled because of COVID ; this is clearly an acceptable reason pertaining to " travel cancellation and interruption insurance ''. The trip never started because of the pandemic. I provided Barclays Mastercard insurance with all the required documentation. Barclays response noted they don't reimburse due to an airline filing bankruptcy. The airline only filed bankruptcy for their own financial matters ; the airline has NEVER stopped flying. The primary cause of the trip cancellation was COVID ; not the bankruptcy. I was penalized a {$300.00} per ticket charge ; and I am seeking {$600.00} reimbursement for the penalty fare imposed by the airline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85022
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified FCRA mail disputes they continue to ignore my requests. This account information does not belong to me and they have failed to show me how they officially validated this false debt. BARCLAYS BANK DELAWARE Amount : {$1900.00} Date opened : XX/XX/2014
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77062
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was supposedly opened in my name XXXX, and charged off in XXXX. I have tried repeatedly to contact the creditor for verification of this account to be mine, Ive also disputed this account numerous times for inaccuracies. This account meanwhile is till open, even though it reports Closed/Charged off. Barclays Bank Delaware
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
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: There was an account listed on my Credit Report from XXXX 's that was shown as Charged Off and closed in XXXX. I disputed this with all three Credit Reporting Bureaus ( XXXX, XXXX and XXXX ) stating that I was no longer liable for this account, as it was dismissed in District Court after XXXX 's had sued me in XXXX. The response each time, presumably by XXXX 's, has made matters worse. Each time I have re-disputed this account, by my adding more information, such as uploading the Dismissal in District Court, XXXX 's has added more false information, for example stating that it is in Collections ( it is not, it has never been in Collections on my credit report ) and updating the last payment date to XXXX, on an account that was closed by XXXX 's in XXXX, evidently in a false attempt by XXXX 's to restart the Statute of Limitations, which had already passed, as far as their taking any future action against me. A Judge ruled that they had insufficient evidence that I was liable for this account and dismissed the case in Court and that should have been the end of it, they should not continue to report an account that I am not liable for. I am XXXX years old, my only source of income is Social Security XXXX for XXXX XXXX and other Health Issues as well and this is exacerbating my XXXX and is harassment. Please have XXXX 's remove their reporting of this account to the Credit Bureaus, or have the three Credit Reporting Bureaus properly remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Bayclays Gold Card MasterCard and was approved in XXXX. With this card and terms at which I joined, Barclays offered to waive the {$990.00} fee under the XXXX, along with having the card be at 0 % APR while on XXXX XXXX service. Shortly after in XXXX, Barclays changed their SCRA benefits and would no longer waive the {$990.00} annual fee. At this time, I was XXXX overseas on a ship and communication to solve this problem was not easy. I had communication with an XXXX XXXX, Office of the President at Barclays to try and resolve the new terms while I was XXXX, but was unsuccessful. I then had to cancel my account so I would not be charged the annual fee. Since then, I have spoken to multiple service members who have been grandfathered into their original terms for the duration of their time on XXXX XXXX service. I would like to reopen my account with the terms originally stated, as this is only fair to have it be the same across the board for all members.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Back in XX/XX/2018 & XX/XX/2018 I was having financial hardships and unable to pay my bills due to being out of work ; therefore, causing my late payments. The job I was working at the time was seasonal. My card was activated in XXXX of 2018, and since that time I have had 28 on-time payments. I've also maintained a more permeant job position.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Around XX/XX/XXXX I received a bill from XXXX. On XX/XX/XXXX I used my Barclaycard Rewards Mastercard and my XXXX XXXX card to pay the bill from XXXX. XXXX XXXX is a service that allows you to generate a random, temporary card number before you make a payment to increase your security. Because I was going to pay citi over the phone, I wanted to be as secure as possible. Although I was not receiving any cash from this transaction, The charge was for {$4500.00} while my Barclay card has a cash advance limit of a mere {$1800.00} so it did not occur to me that it was even possible for this to be classified as a cash advance. Nevertheless, when I logged into my Barclay account on XX/XX/XXXX there was a cash advance fee of {$220.00}. I called and was told that the customer service rep can not waive this fee and can not transfer me to a manager but that I would be called back within 2 days and I was given case number XXXX. On XX/XX/XXXX I received a voicemail from a manager the next day and called her back within the hour but was connected to a frontline rep who couldn't transfer the call or resolve the issue and was again told I would get a callback. Fearing that this would stretch into eternity, I went ahead and paid off my balance in full for fear of the insane interest rates they must surely be charging me. Finally on XX/XX/XXXX I spoke with a manager on the phone. I sent the manager copies of the relevant statements showing that I did not receive any cash but in fact had paid a bill. The manager said she can not waive the fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
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: XX/XX/2020, XXXX XXXX a charge for {$1700.00} and {$49.00}. Notification was sent to rescind the contract on XX/XX/2020. The charges are still on my account. The representative at Barclay would not allow me to dispute these two amounts. The person would not allow me to speak with the supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, My name is XXXX XXXX. I am writing this complaint regarding Barclays Bank Delaware. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions. The following are dates that I have tried to communicate and I will be attaching the letters sent : XX/XX/2020 XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A