Date Received: 2020-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, My name is XXXX XXXX. I received a letter from XXXX XXXX regarding my Frontier Airlines World Mastercard account ending in XXXX, and the XXXX XXXX account ending in XXXX. XXXX stated that the way the frontier airlines card was reported was going to be fixed due to the fact that the account was under the covid relief program that was offered by your bank. Secondly, The letter I received stated that the XXXX XXXX card was going to be removed due to the likelihood that it was opened due to fraud. The letter also stated that the frontier airline card would remain. I am disputing the validity of the frontier airline account. I would like to see the information that was used to determine that I infact is responsible for said card. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I am also filing a complaint with the CFPB and the FTC regarding this particular account. I have attached the letter that was received from your office regarding the account. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called Barclaycard in XX/XX/2019 to update my address. Unfortunately it was not updated and I was over 30 days late on my Payment in XX/XX/2019. I contacted Barclaycard l, they apologized for the inconvenience and credited me the late fee of {$39.00}. They also said they would remove the 30 days late off my credit reports. I recently looked at a copy of my credit report and its still on there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94596
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
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: Company A - XXXX XXXX XXXX - reported when a fraudulent purchase put an unknown balance on my card and it became past due because the company failed to notify me. Company B - XXXX - put me over the limit with their own fees and never called me or emailed me to reduce the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: in XXXX of XXXX, we applied for and received special 0 % financing on a brand new XXXX XXXX of exactly {$2800.00} that was purchased thru the online XXXX XXXX. the special promotional financing was for 18 months on a Barclays XXXX credit card. between XX/XX/XXXX and XX/XX/XXXX ( the 18month term ) i made {$6300.00} total of payments, which i assumed that they would apply my payments to the promotional financing but on XX/XX/XXXX Barclays charged me {$600.00} of interest. this is the full interest charge of 13.99 % because they said i did not pay of my special financing, i have made {$6300.00} worth of payments and they claim that i did not pay my special financing i have been going back and forth with the company and am highly upset. i lost my income due to the pandemic, and to have this fraudulent interest charge to me is a slap in the face i have 18 pdf statements as proof, and have a pdf of all my payments. i am hoping to receive some assistance on this matter before this unscrupulous company destroys my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
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: XX/XX/XXXX - A purchase was made to an online seller for custom digital art in the amount of XXXX XX/XX/XXXX - An internal dispute was opened with XXXX for a transaction that has not been filled for an extended amount of time for the amount of XXXX XX/XX/XXXX - XXXX closed the dispute in the seller 's favor without notice of why. XX/XX/XXXX - A dispute was opened with Barclays, the institution where the funds originated from. XX/XX/XXXX - Barcalys closed the dispute in XXXX 's favor without reasoning why. XX/XX/XXXX - Supplemental documentation and evidence to the fraudulent nature of the transaction were sent to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
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: BARCLAY CARD WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call. XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser. This is FRAUD and I want justice. Please please please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
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: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX XXXX : XXXX To whom it may concern : On XXXX XXXX, I sent a certified letter to Barclay 's about this account.This certified letter was signed for on XXXX XXXX. This letter advised them that the account was discharged in bankruptcy and that they had illegally sold this account to a collection agency. I called Barclays on XX/XX/2020. Barclays responded by telephone that this account had been sold to a company call Unifund. I contacted XXXX, and was advised by them, that they do not own the the stated account. I have also disputed this account through XXXX and XXXX, and it comes back as verified and correctly reporting. Who owns this account?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have an Uber Visa credit card that earns cash rewards. On XX/XX/XXXX, i was notified via email that i redeemed my cash into my XXXX XXXX. I did not initiate this rewards transfer and when i called Uber on XX/XX/XXXX, they mentioned it was two policy changes : 1 ) cash rewards can not be applied as a statement credit and only a credit to the XXXX XXXX, 2 ) rewards will be auto redeemed over {$50.00}. I do not recall being notified of both of these changes. I have this credit card solely for the purpose of cash redemption against my statement charges ( not for the XXXX XXXX ). I feel tricked into this change, as i would've immediately applied the cash balance to statement credit if i had known of these changes were happening and then would've closed the credit card. On XX/XX/XXXX, i spoke with representative XXXX and she mentioned these policy changes took effect in XX/XX/2021. I did not receive any of these notifications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX trying to pay off a supposed debt on my credit report. They told me the account was charged off to XXXX XXXX XXXX, however, when I call them they tell me the account was recalled by Barclays last year at or around XX/XX/XXXX. When I call I call Barclays they dont seem to find my account. Ive been put through processes where Ive had to wait for 7-10 business days to find my account. I called the second time and they said no one had updated the previous request and that she would put in a second request for their back office find my account, and now I have to wait another 7-10 business days. I call back today, the account manager manages to send me to the correct department, I felt like I finally had gotten somewhere - that Barclays wasnt a scam-type of company. I tried to take the settlement offer their collection department tried to draft for me. I asked for pay and delete and for a lower amount, and was denied the request after she stated the settlement offer was generated automatically based on the amount owed, and that she couldnt make any exceptions. I was okay with this as is expected with a lot of creditors. Then the funny business started. She asked me if I wanted to spread the amount over a few months, to which I replied no that I was going to make the payment in full over the phone. She sounded disappointed and told me she would not take my payment over the phone, that I had to mail it in? I tried telling her that was not possible for me. She said that because my account was charged-off that she couldnt take a payment on it. I dont understand whats going on here, I dont like it, payments can get lost in the mail and it also delays the time in which the collection is reported pay in full ( extra days for mail delivery, extra days to post the payment, then process the actual change on the account ). She stated this was the ONLY way that I could make a payment, and asked me how I wanted to proceed? Excuse me? Im trying to pay you a debt that you received a tax break on a few years back, and now you dont want to take my money? Are they trying to divert funds into other accounts on the back end? I dont get it, she refused to help me or provide me a resolution, told me she would update the account with my comments, and hung up. I can not believe that in XXXX a CREDITOR BEING BARCLAYS US CARD COMPANY can not take a payment from me via a credit card. Even Collection Agencies take credit card payments. Extremely frustrating as a young person trying to get a mortgage. I understand the ramifications of not paying a debt, but companies should give customers a break, especially during THE COVID-19 pandemic, and to someone who was laid off and still trying to meet their financial obligations,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A