Date Received: 2020-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used credit card checks that were in my name for a credit card I paid off and closed XX/XX/XXXX by signing my name and cashing checks according to credit card company. I explained to card card company this was fraudulent & that I didnt signed or authorized anyone to use checks. Once I became aware I reported to the credit card company and my local police in XX/XX/XXXX Nonetheless, credit card company continue to pursue to collect and finally took me to Court in XX/XX/XXXX and case was dismissed by Judge in XX/XX/XXXX Credit card Company will not report the correct updated information. Company continue to report to Credit Bureau account as charge off account since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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 was shocked when I reviewed my credit report and found late payment on the dates below : BRCLYSBANKDE XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclays Bank has withheld or erased the points I have accumulated using their Uber Visa Card. There was an apparent change in the terms of the card, which led to a conversion of the points to Uber Cash, in the amount of {$1400.00}. I do not have an Uber account, nor was I ever asked to create one when I first signed-up for the card. On XX/XX/2020, an agent at Barclay 's Office of the President claimed that there was nothing they would do to help me restore the points or access the Uber Cash, and warned me that contacting the CFPB would lead to the same outcome. But I currently have no other recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I applied for a credit card on an XXXX XXXX flight in XXXX. After checking status, I was told I was verified in Early XXXX, I've called twice since, each time telling me that the card has been sent. It's mid-XXXX and I still haven't gotten the card but they did not have a problem sending me a bill for the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
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: To whom it may concern- Im writing to dispute a charge made to my Barclay credit card after the card was canceled. On XX/XX/XXXX, I called and canceled my Barclaycard, which held a {$0.00} balance. On XX/XX/XXXX, a XXXX charge of {$2.00} was processed on my card. I was completely unaware of this charge until XXXX/XX/XX/XXXX, when a lending agency pulled our credit report, which showed late payments and my account had been sent to collections. I had not received one billing statement between XXXX and XXXX, notifying me of an outstanding balance or late fees. As my credit card history shows, I paid my credit card off monthly and had been in good standing with Barclaycard. After learning of the overdue balance, I paid my balance of {$3.00} in XX/XX/XXXX, and Barclaycard waived the late fees because Braclay agreed that the error was theirs and they waived all fees and penalties. They also agreed at that time to fix it with the credit bureaus. However, the delinquency charges remain on my credit report. I found this out when I was refinancing my home and had to pay over a thousand dollars in points to get the rate I should have received because of my now bad credit. We spoke with the Barclay credit department, billing disputes department, and even resolution managers from Barclaycard. On XX/XX/XXXX, we spoke with a resolutions manager who agreed to remove the delinquency charges from the account since the charge was processed after the card had been closed. She said this information would be reported to the credit bureau on the evening of XX/XX/XXXX and that we would receive a letter in 7-10 business days notifying us of the changes. On XX/XX/XXXX, we called Barclaycard to follow up. After speaking with several customer service representatives, we were transferred to XXXX, a Resolutions Manager in Nevada, who then told us that the delinquency charges would remained on the account and that a letter had not been sent and they would not be helping us fix this because they had not made a mistake. We were informed that we should write a letter but that they would likely not do anything different and the fault was ours for not checking on the account. An account that had been closed with a {$0.00} balance. Im asking you to remove the delinquency charges from my account and report this information to the credit bureau for three reasons : 1 ) The charge was made after the account had been closed. 2 ) We did not receive a billing statement or email notifying us of these charges. 3 ) A Barclaycard manager already agreed to make these changes and then failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2020-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Good morning. The reason for this letter is to seek some help with three financial institutions with which I have been a client for years and so far I believe that they have treated my case unfairly. In XXXX, I became a father of XXXX but unfortunately they were born in XXXX XXXX California at only XXXX XXXX XXXX, because they were XXXX XXXX we went through a lot of difficulties, even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in XXXX XXXX for almost 6 months while my XXXX XXXX girls were recovering so I had to move to XXXX XXXX so I could be with them in the hospital every day and make sure everything would be okay with them. As you can imagine what it means to leave your home, to find a place to stay in XXXX XXXX, to eat, etc., unfortunately the job I had couldn't keep my position and I had to quit within a month of asking for permission to be with my girls. From that moment on, my financial difficulties began, between medical expenses, rent, food, and credit card payments which I was able to make by taking money from my savings. And that is where I want to explain in detail why I feel it is unfair what has happened to me with three financial institutions. The first dispute I want to talk about is with XXXX XXXX, I have 2 cards with them and I have never been late on any payments, on the contrary, I was even paying off the debt in full. When I explained to them the situation I was going through and gave them all the information of why I was late in payments the only option they gave me was that I had to pay {$560.00} a month not to close the account, which I told them seemed like a lot of money at that time because I was coming back from XXXX XXXX and I explained my whole situation even sent letters from the hospital, but they didn't help me in any way. I made the greatest effort possible and paid {$560.00} for about three months, but I could not continue to pay that amount of money, I called again and asked to lower my monthly payment but there was no payment arrangement for more than I asked, I called several times and they did not give me any kind of help and closed the account which I am still paying, now {$220.00} per month because after they closed it was that they told me I could pay {$220.00}. This whole situation does not seem fair to me at all. I did everything possible to pay, I called to negotiate lower payments and they never helped me avoid closing my account. The second company with which I have to explain my dispute is Barclays, I had with them an XXXX XXXX, which I used very rarely and paid in full, but with them something very peculiar happened, as in my previous case I called to explain the situation that was happening, I made payments until I could from my savings to avoid late payments etc. I always made the payments through the application and never noticed anything out of place. After a few months, in XX/XX/XXXX, I realized that the account had been closed without any notice, even when I called repeatedly to explain the situation. The only way I realized that the account was closed was by logging into the desktop version since the application does not give any kind of notification or anything like that. I have called many times and asked to speak with a manager. They opened a case for me and still nobody wants to be responsible for the account being closed without any kind of notification, they did not even send me letters or statements informing me of the situation, not even a phone call. Three weeks ago I was able to talk to a manager and finally he was the only person who understood my case, he listened to me and he could see that in his system they had never sent me notifications that my account was closed, it was not until a few weeks ago that I received about 6 letters from Barclays informing me that the account was closed, do you think this is fair or valid for a client? That a person after having called countless times trying to solve this problem nobody listens to you or gives you an answer or takes your case seriously? I don't know what else I could do to get this account reopened because as I mentioned I was never notified that it was closed, I still make the payments on a monthly basis. The third company is XXXX XXXX, maybe I had a card with this company for years which I never used alone to settle some accounts but unfortunately they closed it and as in the other cases I exposed my case and still did not have any help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On my flight from North Carolina to Minnesota, the flight attendants were soliciting credit card applications for their XXXX mastercard. As a one time opportunity, they were offering XXXX miles and with no annual fee. The fee would be waived. I applied since the outrageous annual fee was being waved. I was approved, I got my card and made a couple charges. When I got my first statement, the outragious {$99.00} annual fee was added to my account. I called customer support and they informed me they they will not waive the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a XXXX card with Barclay 's Bank. The customer hotline is XXXX. They have a promotion in which if {$1000.00} is spent within the first ninety ( 90 ) days of " opening '' an account, the customer is awarded XXXX " XXXX XXXX. '' My card was " issued '' in or about XXXX. I did not use the card for sometime, and first " activated '' the card by using the directions on the sticker of the front of the card in XXXX, XXXX. The sticker instructs the consumer to go to XXXX to activate the card. I interpreted the activation of the card as fulfilling the requirements of " opening '' the card, within the meaning of the terms and conditions of the XXXX points program. Having spent in excess of {$1000.00} in the first 90 days of opening the card, but not receiving the XXXX points, I called the hotline number referenced above. Barclay 's Bank has taken the position that the " opening '' of the card is the point at which the card is issued in response to the application. They have rejected the idea that the card is not " opened '' until it is " activated. '' I have reviewed the terms and conditions of the XXXX points program, and can confirm that nowhere in the terms and conditions of the program is the term " account opening '' defined. Despite making the point to Barclays representatives that the term " opening '' as applied to my situation is ambiguous and misleading, Barclays has refused to credit my account with the XXXX points that I have earned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
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 previously disputed this account yet delinquencies still reflecting on the account. This account is enrolled in autopay so there should be no reason for reported delinquencies. I attached the screenshot of my payment that is enrolled in autopay and confirmation email that the payment was received. The reported late payment should be removed from my report immediately. I am requesting that the error be investigated and corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10037
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I would like to have the paid charge offs removed from my report, the companies said they can not do that.
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: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A