Date Received: 2020-07-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and BRCLYSBANKDE with no successful resolution. XXXX only reporting me late. 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: NY
Zip: 11217
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
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 BRCLYSBANKDE and BRAND BK/GS. 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 both XXXX and XXXX and BRCLYSBANKDE and BRAND BK/GS 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: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back in XXXX of 2020, I received my credit card bill for my Barclays credit card. I noticed there were two charges made on XX/XX/XXXX that were not mine. One purchase was made at the XXXX, GA XXXX XXXX store with the total being {$810.00}. The other purchase was made at an undisclosed jewelry and repairs store in XXXX, GA with the total being {$1900.00}. Neither of these purchases were made my me and no one other than myself has access to this card. I disputed the charges to Barclays. A few days later, I received a letter from the company saying the charges were being investigated and had been taken off my account for now. A few more days passed before I received another letter stating that the charges were mine and I would have to pay both of them. The charges were then reapplied to my XXXX credit card bill. After calling the company to investigate, I decided to file a police report for identity theft as well as file a claim in the Federal Trade Commissions ( FTC ) 's Identity Theft website. I filled out the documents and faxed all of them to Barclays once more as instructed on the FTC 's website. After calling Barclays, I was told to wait for them to investigate. Today is XX/XX/2020 and I was just told that those charges are mine and I would have to pay for them. I am not sure what more evidence to provide that these charges are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Credit Reporting Agency ( XXXX, XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding inquiries that are listed on my consumer credit report : XXXX XXXX XXXX, Barclays Bank, and XXXX XXXX. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
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: They refuse to honor fraud protection. There was an unauthorized charge on my credit card by a scam merchant. The merchant stole my email address, card number and billing address, yet Barclays still put the entire charges back on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91733
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and XXXX and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX I set a prepayment with XXXX XXXX CC and I received a confirmation of the autopayment. XXXX payment schedule confirmation emails do include the amount of the payment. XX/XX/XXXX I received an email confirming payment has been received. XX/XX/XXXX, my bank informs me there were two attempted transactions that exceed the balance of my checking account, remit on XX/XX/XXXX and XX/XX/XXXX. I determine that XXXX was processing a payment for the entire balance of the card. It was never my intention of paying the full amount. I log into XXXX website on XX/XX/XXXX and submit a one-time payment to above the minimum payment due. I note there is no autopayment set for any amount. XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment on a XXXX payment attempt and that there will be a second attempt on XX/XX/XXXX XX/XX/XXXX I receive written notice from XXXX via USPS that there was a insufficient payment attempt on XXXX and I will be assessed a {$50.00} insufficient fund fee. XX/XX/XXXX I receive written notice from XXXX via USPS my credit limit has been reduced due to insufficient payment and my credit line has been reduced XX/XX/XXXX I called XXXX customer service explain I never intended to pay the entire balance on XXXX, and I would have adjusted the payment amount had their email confirmation alerted me to a payment problem instead of communicating the a successful payment. Customer service declined to respond to concern of misleading communication and explained they could not remove the fee nor remove the adverse impact on my credit report. Customer service explained I could only resolve the adverser credit reporting and reverse they fees through written dispute directed to FCRA. I replied this response was insufficient as this conflict would have been resolved had electronic communication been not been misleading and I had been setup to fail by a lack of transparency. I requested assistance in paying the full amount over the phone and closing my account. Customer Service acknowledged my ask and assisted me in setting up an one-time payment for the full balance of the card and closing the account. I noted in the final one-time balance, the dollar amount was clearly listed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to COVID closures I was furloughed and my boyfriend was laid off for a month and we are still not full time. I had to pay rent and other priority bills at that time and prior to missing a payment I had made multiple attempts to reach out to the credit card company to make arrangements where I was complaint and in good standing. So that a hit would not be applied to my credit. Im currently making double payments since the missed month and I would like the credit company to reconsider their recording of a missed payment since they were non responsive and didnt allow me the opportunity to be up to date with my account. XXXX has made no attempt to respond to my calls or my letter than I had sent in XXXX. When I call I keep getting a recording and no one will answer. How can I be a compliant card holder with a company that is non responsive. Requesting to remove missed payment from credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: XXXX closed my 2 credit cards without letting me know and they would not provide me any additional information except a generic statement. I tried calling them and talking to a manager to find out but they were no help. I have over {$600.00} in rewards points on my Barclay Arrival+ credit card and they would not let me have my points. I would like to kindly request that Barclay provides my money back to me or I will have to take this to court and fight this battle. According to their terms, all points earned on cashback are mine and they should not take my money from me that I earned and paid my bill on time for over a year. This is a terrible way for them to treat their long standing customer. I will make sure to share my experience everywhere possible because there are several other issuers that people can bank with. Not someone who steals money from their customers. They should be ashamed of themselves for stealing {$600.00} fro m their customer especially during COVID-19 when all of us need extra money possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
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: On XX/XX/XXXX, we used our XXXX XXXX XXXX Mastercard ( Barclays Bank ) and paid {$1300.00} for two flights ( XXXX XXXX XXXX XXXX XXXX ) - record locator FNJDEA, for a trip we were to take to XXXX, XXXX in XX/XX/XXXX. Due to Covid-19, on XX/XX/XXXX, our resort reservations and our flight reservations were both canceled by our travel company when travel was restricted by the US State Department. We were supposed to be refunded for both our resort costs and our flights. The credit card we used to pay for the resort costs refunded us immediately, while XXXX XXXX XXXX Mastercard did not. I filed a claim with XXXX XXXX XXXXXXXX card/Barclays Bank and a refund was not issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A