Date Received: 2020-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: on XX/XX/XXXX I recieved a report of my Credit. There it showed that my Barclay card had been closed. Today XX/XX/XXXX I spoke with a woman by the name of XXXX on customer service hotline. She stated that there was nothing that could be done for the card to be open. She reported that it had been closed in part by reporting of XXXX and XXXX suggesting that it be closed due to delinquent accounts. The accounts that were being referred to were unknownt to me and I do believe they were unpaid in error. I currently have a dispute to resolve on the accounts. I have no late payments to Barclays. I have paid very high APR and carried a high balance, and was just about to pay down the account when I realized that the account had closed on me. Customer service stated that there was a letter sent and there was nothing that could be done. As stated before, I have been in good standing with Barclay. I am now in hard and trying times as I am a sole creditor and rely soley on my credit to be able to even rent a place. I find it very unjust that my account be closed based on Transition, and another credit issue whih I am trying to resolve. I would like to continue business with Barclay and make things right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2020-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This is to dispute a credit hit regarding a late charge on my account. This account balance was paid off completely early last year. As my wife does our accounting and we had not charged anything to our account we were not aware that there was a yearly fee that went against this account in XXXX. The statements that were sent via email were sent to a generally spam email that I have and not an email that I regularly monitor. There was no attempt to make me aware of this past due payment via standard mail or via phone call which Barclay has available on my account. I only became aware of this past due statement when I saw when trying to refinance my home that I had 1 past due payment which we are always on top of as a family. This has severely negatively effected my credit score and I would ask based on the reasons above that it be removed from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
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: XXXX charged {$97.00} for a car rental to card on XXXX XX/XX/XXXX, but car rental not used. Contacted XXXX via email and 'phone with no resolution ; put me on hold and then disconnected. Identified this spurious charge to my credit card to Barclays in XX/XX/XXXX. Barclay 's initially removed the charge, but later re-entered the charge because XXXX said the charge was valid. For over a year I have sent multiple FAX 's to Barclays and several letters all with the same message - if tBarclays is determined that the charge remain on my account then refund the last annual fee and close the account. In Barclays last letter to me, XXXX XX/XX/XXXX they indicated I have to call to resolve this matter. I called on XXXX XX/XX/XXXX and an automated answer indicated no agents are available and then hung up. Incidentally, the account balance is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by Barclay. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a credit card with Barclays Bank, it was opened in XXXX of XXXX. The account has been delinquent since XXXX. I had attempted to call multiple times within the past couple of years in an attempt to settle this account. During the times I was able to get in touch with a representative, I was either told I would be given a call back about a settlement ( which I never did ), or they said that they no longer had my account ( this is what I was told when I called in XXXX of XXXX, which was also not true ). In XXXX of XXXX, I contacted Barclays again in an attempt to reach a settlement, once again, because my boyfriend and I were pre-approved for a mortgage loan, and our lender said that I needed to settle the account in order to be fully approved for the mortgage loan. Barclays agreed that, out of the total that I owed them ( {$2200.00} ), I could settle with them by paying {$990.00}. I was to make three payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I had to send payment in form of a check to an address they gave me. All three payments were sent in, and all three checks were processed by their bank. On XX/XX/XXXX, I noticed that I hadn't received any letter stating that the account was officially settled, nor did I see an update on my credit report. I called Barclays that same day, and a customer service representative told me that they never received my XXXX payment, and so my account is still charged off. I told this representative that this is not accurate, that the check was cashed and endorsed by Barclays. The representative asked if I was okay with him calling my bank ( XXXX XXXX XXXX ) on 3-way so they could confirm that I did, in fact, submit payment. A customer service agent with XXXX XXXX XXXX confirmed that all three checks were processed, cleared, and endorsed by Barclays Bank. After this was confirmed, the customer service representative was still saying that they could not confirm that I had made this payment. He then transferred me to a supervisor who tried to search for the payment and could not find it. At this point, she said they would open a case in an attempt to locate the payment. She said it would take 25 days to complete this request. Then, when I called back a few weeks later, I was then told it would take 45 days to investigate. I am supposed to have my credit ran again by my lender in XXXX in order to get full approval for my mortgage and to close on my home. I can not understand how all of the checks cleared on my end, and were endorsed and made payable to Barclays Bank, and they received my first two payments, but somehow did not receive the third payment. I have also sent them copies of the checks that were mailed to them, including their endorsement on the back side of each check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
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: Barclays customer service is NOT receiving any calls, however, I faxed to them my complaint regarding unauthorized charges on my account on XX/XX/2020. On XX/XX/2020 I received a letter stating that in order to protect my account I must call them otherwise, certain restrictions may be placed on my account. I called them today, XX/XX/XXXX, and they are still not accepting any phone calls. Between XX/XX/XXXX through XX/XX/XXXX there are numerous UNAUTHORIZED charges on my card from XXXX or XXXX XXXX. I do not use XXXX XXXX nor I authorized any of the transactions listed on my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have repeatedly complained to Barclay Bank and via the XXXX XXXX XXXX : I am a XXXX in the XXXX and my husband is a XXXX XXXX XXXX. We moved to XXXX in mid-2019 and have been experiencing financial hardship. I have demanded that Barclay Bank close my account, lower the interest rate, and place me on a financial hardship repayment plan : they have refused to do this, except for deciding to close my account and do none of the other actions. I did not give them permission to simply close my account : the closure was only authorized in conjunction with the other actions. My husband and I are attempting to get ahold of our financial situation and, during this pandemic, Barclay has repeatedly disrespected us by refusing to follow instructions, refusing to permit reasonable requests, creating bad faith arguments, and refusing to allow us to do what literally every credit card issuer of myself and my husband has permitted. I should not be subject to the arrogance and indifference of this bank, with respect to the XXXX XXXX salaries that both my husband and I have. I made a reasonable request of the bank -- to pay in full, but with lower interest rates -- and they have unreasonably refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10030
Submitted Via: Web
Date Sent: 2020-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I have been reported deceased by my own credit card company Barclay. My husband and I wanted to take advantage of the low interest rates and refinance, saving thousands of dollars and two years of mortgage payments. Sadly, we are not able to, because I have NO CREDIT SCORES with XXXX and XXXX as I am deceased according to their records. Through several phone calls and conversations, this is what I have been able to put together. Sometime in XXXX XXXX, a phone call was made to Barclay reporting me deceased. Barclay will not release the name of the individual or whom they are associated with ( a subpoena is needed ). It was shared to me, after extensive questioning, that policy was not followed, and more than one identifier was needed to be confirmed before they report an individual deceased. XXXX XXXX I received a written document, reporting that Barclay was sad to hear of my passing and asked for the information about an executer to my estate. I quickly phoned the company and told them I was very much alive and thought that was the end of it. In XXXX, my husband and I saw mortgage rates trending downwards and started the refinance process with a very reoputable bank and an individual that has done thousands of loans. While visiting with her, she was able to put together, after closer examionantion of my Manager XXXX from Barclay told me on XX/XX/XXXX after a 1.5 hour wait on hold, that I was reported dead in XXXX and on XX/XX/XXXX, they reversed the report, reported it all credit reporting agencies. On XX/XX/XXXX, I spoke with XXXX XXXX operator ID XXXX XXXX XXXX and she reported that everything was fine with my account. I exclaimed to her it was not and that one card XXXX was fine, which was the one she had pulled up, but I also have another account with Barclay XXXX XXXX and that is the account that has be reported deceased and a {$0.00} account balance according to XXXX.which is not accurate. After she did some further looking, she did see where it was reported as me being deceased and told me it happens all the time. ( I have XXXX sisters in the banking industry and they never take a call at face valuethey put the account on hold and NEVER do they report an individual deceased to credit agencies until they have a death certificate in hand. ). She was also able to see where I self reported myself alive. XXXX was also able to see that even though Barclay remediated my file, they failed to report any more credit information from that card since XXXX. I have filed disputes with both XXXX and XXXX. XXXX has a documents stating I am not deceased, but I still remain without a credit score! I am saddened on how much time and effort I have had to put into this situation and even more sad that we were not able to capitalize on the lower rates. This was something I had no control over and reported things immediately once I received the notice and that there was false information. I find it upsetting that I have to prove to an institution that should be protecting ME, that I am not deceased and it is my creditors that are causing me harm even though I have faithfully continued to pay on time, my monthly payments. Of note, charges have been made to my accounts since my supposed death. I reached out to my state 's attorney general and this is the place I was advised to report to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 523XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
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: A charge of nearly {$3000.00} appeared on my Barclaycard statement, which I received in XXXX but did not immediately review, as I have a XXXX balance with no purchases on this account. In mid XXXX, 2020 I wrote to Barclaycard, at the address provided on my statement, to dispute the listed transaction. To date, the company has not responded, other than to report very negative remarks on my credit report for three successive months, thus causing me to lose more than {$10000.00} in existing credit from a merchant with whom I have had an impeccable A+ relationship for many years. I called the company, at the number listed on the my statement, in mid XXXX to inquire about the dispute and negative credit reporting. The customer support person began by explaining that with the recent public health concern they did not have time to investigate disputes. I told this person that the bank still had time to perform all of it's other functions, like reporting false account information to the reporting agencies, and that investigating a dispute was not an activity at risk. I also informed this person that his attempt to hide incompetent or illegal bank activity behind a public health crisis was offensive to me.The customer support person then hung up. I therefore received no useful information based on my phone conversation with the bank 's representative. The bank is clearly operating illegally as I timely and correctly delivered my dispute to the appropriate address, made an attempt to follow-up and to date have yet to have the transaction treated as " in dispute ''. All of my existing credit has been taken away due to the false reports that Barclaycard is making on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76208
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I XXXX XXXX. XXXX have no other recourse but to file a complaint with the Consumer Financial Protection Bureau, because Barclays Bank refuses to protect my rights under the Fair and Accurate Credit Transactions Act. I was a victim of identity theft by my ex-wife during divorce proceedings, and Barclays Bank as well as their respective lawyers trying to collect this debt are aware of all of the facts. If Barclays Bank ever decided to take legal action on this indebtedness, they will find the case thrown out of court with prejudice. Accordingly, the only thing that Barclay Bank can do is damage my personal credit rating to partake in this fraud. I believe that any continuance on collections must cease and desist immediately, and that any reference to this account on each credit bureau should be deleted permanently. Identity theft has been proved and the attached documentation shows my position to be honest, along with a final divorce decree by the judge in said case docketed as XXXX, XXXX Division, Commonwealth of Massachusetts, Probate and Family Court Department. Barclays Bank continuing with a negative reporting of the XXXX XXXX credit card on all respective bureaus is a violation of their subscriber agreement whereas honesty and integrity must be maintained and consumers rights under the Fair Credit Reporting Act, the Fair and Accurate Credit Transactions Act and the Fair Debt Collection Practices Act must be strictly adhered to. My complaint is solid and based upon a true definition of identity theft. My name must be cleared across the board on this matter. XXXX XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01040
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A