Date Received: 2020-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I simply asked for a credit increase but first I wanted to pay off some debt and the ran my credit to soon
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Credit Reporting Agency : I am an XXXX XXXX XXXX. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. XXXX XXXX XXXX DATE OPEN : XX/XX/XXXXBARCLAYS BANK DELAWARE DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX DATE OPEN : XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Barclaycard closed the credit card account due to inactivity without any warning or prior notice. I called them and was told that a notice was sent Friday, XX/XX/2020 informing me the account was closed. Today is Monday, XX/XX/2020 and I am yet to receive the notice. The account was closed the same day! Usually credit card companies will warn you that due to inactivity your credit card account will be closed if not used within 30 or 60 days. No such warning from Barclaycard. I have wr itten a letter requesting the credit card account be reinstated and I cc 'd The XXXX XXXX XXXX and The Federal Trade Commission. These practices have to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Barclayscard Arrival + Mastercard. I use this card for one exclusive purpose ; it provides travel cancellation and interruption insurance. Barclays advertised this point as a marketing tool to get consumers to sign up for the card. The insurance benefit is {$5000.00} for a trip. Based on Barclays prior reputation, I trusted them to honor and to have this benefit for piece of mind. When I went to file a travel claim based on XXXX XXXX filing bankruptcy and getting stuck with {$600.00} of cancellation fees that were not reimbursed to my Barclays card, I submitted a claim only to have it declined. I have since appealed and I have not heard back from anyone acknowledging the appeal or the fact that I disagree with the decision. I find the insurance benefit to be very deceptive, unfair and misleading. I provided a valid explanation along with extensive support documentation for this claim.
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: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They are trying to collect a debt of {$2800.00} that was put on a chapter XXXX bankruptcy in 2016. Im a widow on XXXX. This was on that bankruptcy, Im being harrassed nonstop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 147XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of XXXX I opened an Uber Visa credit card through Barclaycard US due to their great 4 % rewards program on fast food and restaurants. Over the course of about 2 years I have collected {$250.00} in rewards. In XXXX of this year ( XXXX ) with only a few months notice they changed their terms so that their rewards are only able to be cashed out into " Uber Cash '' which is only accessible in their Uber ride hailing app. This is massive change and is not at all what I signed up for with this account. I received only two notices, that were both flagged as spam and subsequently never read, on XX/XX/XXXX and XX/XX/XXXX. These unseen notices touted the benefits of Uber Cash while wholly downplaying the fact your earned rewards is now entirely stuck in their system. I never received any mail or postage alerting me to this change. I am now out over {$250.00} I earned for using their card because of this bait and switch tactic that was done without proper notice. After failing to redeem my rewards on XX/XX/XXXX I called customer support for assistance only to be alerted to this change for the first time. I was still under the impression nothing had changed with the card and had most recently used it for a food purchase ( given the former 4 % rewards ) on XX/XX/XXXX. I never signed an agreement agreeing to these changes. The only agreement I ever signed or affirmed was my initial contract for this credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I dispute and request investigation with late payment reported by Barclay. On the billing cyle for XX/XX/2020, I called Barclay on XX/XX/2020 and requested a payment deferment due to the Covid19 pandemic. Barclay agreed to defer my monthly payment with no late fees or late payment reporting. In the process of home, refinancing my lender notified me of the late payment reporting. I request from Barclay. I want Barclay to honor their payment deferment, and to remove from my credit report the late payment reporting. I can be reached at XXXX. Please feel free to call me with any questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
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: Please note I have closed my credit card XXXX XXXX XXXX MASTER CARD back on XX/XX/2020 by calling customer service then called again on XX/XX/2020 and also sent an online contact us feedback form to have it closed. There was an annual fee of {$99.00} charged on XX/XX/2020. You are given 60 days within the fee being accessed to close the card and have the fee refunded. When I called they confirmed account closure as well as fee of {$99.00} reimbursement. To this day i still havent received my refund as promissed and the amount got deducted feom my bank account. The comoany committed a fraud. Please help me resolve this issue with the XXXX XXXX XXXX Master Card. Thank you very much, XXXX XXXX XXXX. XXXX XXXX XXXX, ME XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
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 would like assistance with disputing a charge on my account for {$16000.00}. It was paid to XXXX XXXX XXXX XXXX on XX/XX/18 and XX/XX/18. In total they charged me {$16000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79424
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclays has been charging excessive late fees to consumers. I had a payment of {$29.00} due on XX/XX/2020, however, a late fee of {$29.00} was charged on XX/XX/2020. Even though, the previous month I had overpaid my credit card bill in the amount of {$100.00}, which theoretically should've covered me for 3 months. This has inflated my balance and caused negative reports on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A