Date Received: 2020-02-17
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: On, XX/XX/2019, I noticed that there was an account that was reporting to my credit that I had not opened or authorized anyone to open in my name. I contacted Barclays via mail with no response from them initial. It took SEVERAL attempts and SEVERAL phone conversations to have someone in their fraud department look into this account. I received Barclays response, dated XX/XX/2019 a few months later, stated that I was not responsible for the fraudulent account. I noticed that Barclays still had the inquire on m credit report from when the fraudulent account was open. Im not responsible for the account, so I'm not responsible for the inquiry one would think. I sent a SECOND request to Barclays asking for the removal of the inquiry to be removed attaching the letter they sent absolving me of the account. Barclays response was very auto generated since they would've seen the account notes, Im assuming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: " New Issue '' Barclay sent me statements I have reviewed the statements and highlighted areas of unauthorized charges on the cards that were taken used without my permission or consent. I informed the police department when all this occurred and the fact my life was threatened during this time and for safety reason stopped residing in my own home for the last 18 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XX/XX/2020, my account balance was {$0.00}. I responded to an ad for a balance transfer with 0 % interest and 3 % balance transfer fee. I transfered {$5000.00}. When my recent statement came ( XX/XX/20 ), I was charged a {$150.00} balance transfer fee AND {$73.00} interest ( see attached image ). I phoned the credit card company and they agreed that there was a problem. Somehow, even though I responded to a 0 % interest balance transfer fee offer and used the balance transfer mechanism on their website, I'm nonetheless being wrongfully charged interest and the balance transfer is not registered as a balance transfer on my account. A case was opened on XX/XX/20 and I was told it would be resolved in 1-2 business days during the regular business week. However, today it's XX/XX/20 and there is no activity ad progress on my case. Meanwhile, the account is accruing DAILY INTEREST! I've been on hold for more than 60 minutes with the bank and no one is coming on the line to resolve this issue. The case # is : XXXX. The representative who opeend the case was XXXX XXXX. I want the daily interest to be refunded IMMEDIATELY and the proper deal applied to my account. I have a screenshot of the deal that I will send or upload on request. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid off the balance on my credit card on XX/XX/XXXX, it was posted to my account on XX/XX/XXXX. Barclay/Upromise then charged me a late fee on XX/XX/XXXX. But there wasn't a payment due that was late since the balance had been paid in XXXX. They charged another late fee on XX/XX/XXXX & XX/XX/XXXX. In XXXX, I received notification from XXXX that I had a negative mark on my credit. At this point, I realized Barclay 's error. I contacted them in XXXX and they assured me they would credit my account for the incorrect late fees. During these months, the credit card had not been used. I received a letter on XX/XX/XXXX from Barclay informing me the account had been closed due to non-payment. My credit limit with them was {$17000.00} and they closed the account for {$80.00} of erroneous late fees. On the XXXX statement, you can see where {$120.00} was credited to the account ; however, I did not make a payment. It seems they were reversing some of the late fees. From XXXX to XXXX, I did not receive a single phone call informing me of late fees or the threat of a closed account. When I spoke to the representative today, they mentioned there were no notes on my account showing attempts were made to reach me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In a previous complaint : XXXX XXXX XXXX XXXX XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB. Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 - These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in an attempt to Defraud the Defendant of {$4100.00}. 6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie. 8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. ( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer, is XXXX XXXX. The CEO of XXXX XXXX XXXX. 10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam. 11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX Please Investigate the criminal acts. Committed towards your own Agency. Thank You XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84720
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
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 have been disputing 5 charges of {$100.00} each. These charges were unauthorized by me. I disputed these charges with Barclays MasterCard. After nearly 5 months and multiple paperwork submissions, I was required to escalate to " The Office Of The President '', located in XXXX, DE. I provided a copy of the exact program that I had enrolled in with their merchant. That document solicits a " Free Membership ''. No ambiguity whatsoever. That is what I signed up for. In response to my dispute of these charges, the merchant provided Barclays a one-page portion of their " Terms and Conditions ''. This incomplete document had multiple handwritten notes, hand-drawn boxes, underlines and asteriks. This document did not reference my name, credit card information, service, product, or cost of product. I received nearly a dozen written response statements from Barclays stating that my dispute and rebuttals were being denied based solely on this document ( partial, redacted, handwritten, one-page portion of merchant 's " Terms and Conditions '' ). Additionally, the merchant provided Barclays with three ( 3 ) different examples of the cost of their " services '' in dispute. None of the three service costs were representative of the unauthorized charges to my Barclays MasterCard. My unauthorized charges were a fourth ( 4th ) and different amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020 there was a {$27.00} charge in the card. First off I dont know what card this even is I just pulled my report and have no recollection of getting a credit card from a bank in Delaware. On XX/XX/2020 it added another {$27.00} Im also unsure what this was for or why this happened. There was no attempt to reach out to me via phone or email. Which leads me to believe this card was opened illegally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31558
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: My name is XXXX XXXX XXXX from XXXX, VA and I received calls from my mother, XXXX XXXX, advising that she received numerous calls from XXXX, a Collection Agency advising that if she did not provide information regarding me, that they would put her in jail. She has messages and logs of the calls over the last month. They also called my ex wife and ad I advised my Mother to give them my information - I have been at the same address and phone number since XXXX. There is no reason why a company can not contact me or find my number. I received a message from XXXX with a non-toll free number ( XXXX ). When I called XXXX on XX/XX/XXXX at XXXX, they advised me of a credit card from Juniper, to which I had a card and paid it off in the XXXX 's. Although they advised that it was paid in XXXX ( which is impossible ), I advised that I wanted to dispute and was told " good luck with that '' and hung up on. When I called back to dispute on the same day at XXXX, I was put on hold for over 8 minutes and then hung up on. I have not received any letters or information about this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: ( My card was lost at 24/7 store on XX/XX/XXXX and returned back to me on XX/XX/XXXX, three fraudulent transactions were made during that period, which are- XX/XX/XXXX - XXXX XXXX XXXX - {$150.00}, XX/XX/XXXX - XXXX XXXX- {$7.00}, XX/XX/XXXX - XXXX XXXX XXXX XXXX- {$27.00} ( Police report attached with claim ) Already faxed the claim form to barclays on XX/XX/XXXX, also filed a police report on XX/XX/XXXX. ( see attached ) Haven't heard from barclays since, barclays is not trying to resolve the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Barclays violated the Privacy Act and divulged my personal, private and confidential information to an unauthorized individual. On Friday XX/XX/XXXX I received an email from Barclays Bank stating the information I requested was attached. Since I did not request any information I called Barclays. I was told that XXXX XXXX requested statements from XX/XX/XXXX and Barclays sent them to XXXX. I told them that was illegal because he is not on the account. The account is mine name only. I was told he provided my social security number and my date of birth. They acknowledged they should not have released the statements to him. This account was closed on XX/XX/XXXX and paid in full by me on XX/XX/XXXX. I informed them I would be writing a letter and holding them responsible. I than called Barclays again on Sunday XX/XX/XXXX to lodge a complaint with the fraud Dept. and the Fraud Dept was closed and I was told they only handle fraudulent charges. I spoke to XXXX id # XXXX and requested a copy of phone conversation with XXXX they could not pull up the call and told me they would not be able to give it to me even if they had it. I was transferred to manager XXXX id # XXXX I was told she also could not pull up call but it is in file that XXXX XXXX requested all XX/XX/XXXX statements and they were sent to XXXX. I request either an email or letter stating that they were sent to him but was told they could not do that. I told them that I have an injunction against him and that they were putting my safety at risk. That he could be tracking me and that the statements are my private business. Barclays knows they are wrong and I told them I am holding them accountable for this violation of my privacy rights. I was told a senior supervisor would call me within 24 hours to discuss what will be done and have yet to hear from Barclays. I spoke with XXXX ID # XXXX and she confirmed that XXXX XXXX contacted them 3 times in XXXX to get information : XX/XX/XXXX XXXX XXXX was told he needed power of attorney XX/XX/XXXX XXXX XXXX inquired about the balance and was told by Barclay employee it was paid off XX/XX/XXXX Barclay sent all of my XXXX statements to XXXX XXXX via email On XX/XX/XXXX I spoke to XXXX ID # XXXX and requested copy of the phone conversations and was told I could not have it. Manager XXXX ID # XXXX spoke to me and informed my it was in the Barclay file that XXXX XXXX requested statements and it was emailed to the email address he gave them. On XX/XX/XXXX spoke to XXXX ID # XXXX and requested to speak to a senior supervisor and was told she would call me within 24 hours Case # XXXX. On XX/XX/XXXX I spoke to XXXX ID # XXXX and listened to the recordings ( actually heard Barclay employees violating the Privacy Act ) and was told she could do nothing and I should report it to the police. On XX/XX/XXXX I contacted Barclays and spoke to XXXX ID # XXXX and he gave me the complaint # XXXX and said a senior supervisor would call by XX/XX/XXXX and as of today XX/XX/XXXX I have yet to receive a call. Barclays have not only violate my personal, private and confidential information, they have put my personal safety at risk!!!!
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: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A