Date Received: 2020-08-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclay 's Uber Visa Credit Card Benefit in dispute : Cellular phone protection claim denied On XX/XX/2020, my XXXX XXXX cellular phone and backpack was stolen from me at the XXXX XXXX XXXX parking lot. Attached is a police report from XXXX County. A benefit with Barclay 's Uber Visa credit card is cellular phone protection in the event of theft, worth up to {$600.00} with a {$50.00} deductible. My claim was denied because Barclays said that because I put my backpack down, I " voluntarily parting '' with my device. I dispute this reason. Someone ran by and stole my backpack and XXXX XXXX. This should be easily covered by the benefits claim. I uploaded to Barclays all necessary documents : theft police report, Barclays credit card statement with the cellular phone bill on it, XXXX XXXX phone bill with matching charged amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted BARCLAYS BANK DELAWARE customer service to report that there was a hard inquiry made on my credit report, and that it was not made by me. I advised them that my personal information ( expired driver 's license, social security card, payroll stubs and multiple credit cards ) had been stolen and that the person that stole my information was likely trying to open up fraudulent accounts with their institution. Asked them not to open any accounts under my name, as it is a case of fraud and identity theft. Provided them my name and cell # if they needed to contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
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: Purchased a few items on XXXX with Barclays credit card, returned said items within a span of a week to the local XXXX XXXX location, and handed off the returns. 2 months and numerous phone calls later, XXXX XXXX customer service team tells me they can't find the order numbers and refused to give a refund without " proper documentation '' which I already gave them. Called Barclays to resolve this issue within my own bank. Submitted three separate claims for the said items from XXXX. A few weeks later Barclays resolved the issue as my fault and adjusted the balance. Now I have a balance of {$1300.00} and no product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
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: I purchased a pair of " XXXX '' brand denim shorts from a reselling site, XXXX, on XX/XX/2020 in the amount of {$120.00}. The item was delivered on XX/XX/XXXX, and the item was completely different from the description, and was by the brand " XXXX '', which is considerably cheaper than the brand I ordered. I contacted XXXX first to ask for a return, but after a few messages, I received no reply and after a few days, the case was marked as closed. I then sent the details to my Barclays account ( I used my Uber Visa credit card ), and then they sent me a letter stating that my card was verified for the purchase. This was completely different from the issue I filed it under, which was that I received false/inauthentic goods. I asked for the issue to be reopened, and I received a letter stating the exact same thing, resolving my case. I contacted customer service asking why my dispute was resolved under a different issue that it was filed under, and the only response they could give me was to file another dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My Barclays Bank credit card was canceled in XX/XX/XXXX and was inactive since XX/XX/XXXX. Upon cancellation I was reissued another credit card that was never activated. In XX/XX/XXXX I was charged a {$95.00} annual fee for the new credit card ( that was never activated ) and was unaware a fee was outstanding ( because I didnt have the credit card and was inactive ). Barclays Bank submitted the {$95.00} fee to the credit agencies in XX/XX/XXXX, which in turn significantly impacted my credit score, in the middle of a home purchase. Barclays removed their annual fee and acknowledged it was incorrectly charged. However, the damage to my credit score has already been impacted, Barclays refuses to provide any communication of the good standing balance and have cost me a significant amount of money and time. We lost the purchase of our home due to their submission. My credit score was impacted a 150 points in a matter of a month because of this sole submission by Barclays Bank, which was an incorrect charge and was a charge from Barclays ( not a 3rd party vendor ). I have made numerous calls to Barclays and have been told they can not provide me with a letter. This is specific to the XXXX XXXX Credit Card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
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: I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: since your credit bureau has not been able to work directly with the creditor to solve this issue, I am now requesting that you personally verify this account that you are reporting. Section 609 of the FCRA requires that you, upon request, verify any accounts that you are reporting. And I am talking physical verification. I want a copy of the original signed contract. You can not legally report an account that you can not verify. I am asking that you send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below and if you can not I expect these accounts to be removed from my file immediately. I want to see the original contract with MY signature on it. I do not want a computer printout. If it does not have my signature, its not valid. Your failure to properly verify these accounts has put me in a bind and stopped me from obtain a line of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my information to apply for a Barclays credit card. I called Barclays and gave them my info and they told me no record was found. But according to my XXXX credit report there was an hard inquiry placed XX/XX/XXXX from Barclays Bank. I for fact did not apply for any type of credit around or before or after especially from Barclays company. Then a week or so later I get a piece of mail stating that there was a hard inquiry placed but no further proof showing I applied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call Barclays and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call Barclays and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. Barclays can not pick and chose who and how they report when this is a case of adverse reporting. I would like to file a complaint as to the business practices in respect to the fair reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90808
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
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: Submitted a charge-back [ In XX/XX/2020 ] for a purchase [ made in XX/XX/2020 ]. XXXX Barclay ( Mastercard ) has denied the charge-back multiple times now, each time with a different excuse. The purchase was a countertop with a specific design, the vendor ( XXXX ) came with the wrong design. I contacted the vendor and they claimed they don't issue refunds, and if I'd like I can go to their warehouse and pick up the wrong item. I contacted XXXX Barclay ( Mastercard ) and submitted a claim. They closed the claim multiple times for different reasons. Culminating in a final notice stating that there is nothing else they can do, but if I'd like, they can call the vendor ( XXXX ) for me to try and get a refund, but they will not be approving the chargeback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A