Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Barclay 's Card US did not tell me they were checking my credit ( hard pull ) before taking my application for a credit line increase. Many card companies do soft pulls and they notify you if they have to do a hard pull. Barclay 's did not give me any information about a hard pull. I would not have submitted my application had I known that my request would result in a hard pull to my credit. I'd like Barclay 's Card Services US to remove this hard pull from my account because I didn't consent to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was in great standing, bills paid on time. I had a disputed charge on my account from a company called ( XXXX XXXX ) which was billed to my Barclays Visa card ( 1 ) First the company did not send me all the goods I paid for. ( 2 ) Second I sent back what was received The company ( XXXX XXXX ) was advised the good would be returned. Barclays refuse to credit my account for the charges even though the XXXX receipt were sent to them where the company received and accepted the merchandise I refuse to pay that part of my bill and asked Barclays not to charge me interest on the disputed amount. Barclays continues to charge me interest AND have now Reported my account to all the Credit Bureau as being late, which have made my Credit Score dropped significantly. I need them to remove the false statements from my credit report and credit my account for the merchandise that was returned and accepted by ORIGINAL SIN Company. Thank you Mrs XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was contacted by phone by Barclay Rewards Matercard on XX/XX/2020 about a payment that was due XX/XX/2020 and was not shown as received on my account. I immediately contacted the bank through which it was paid, XXXX. They provided me written confirmation that my payment was received and cashed by Barclays within 20 minutes. I was forced to argue with Barclays for nearly a week until they would provide me with a fax number to send the voided check. That was faxed on XX/XX/2020. In the interim I have been forced to pay an increased payment to cover the money they lost due on XX/XX/2020. They have indicated that their policies allow them up to 25 business days to even investigate the missing money, then another 7-10 business days to process. I have been calling daily to request written confirmation that my money has been located and correctly applied to my account, the interest corrected and fees corrected. It is now more than 30 days since my money was lost and 5 days after I have been required to pay penalties because the bank lost money delivered and cashed ahead of the XXXX due day and I still have no written confirmation that my money has been located. I have been in contact with them on a daily basis. Every day begins with them denying that my money was lost, verbally telling me it has in fact been found and refusing to send me anything in writing indicating that the mistake has been corrected. I must insist on something in writing as I am now routed to collections every time I call Barclays which makes me doubt that they have located my payment yet despite having the confirmation number of the transaction and a copy of the check I cashed. I am attempting to resolve this as I am completing this complaint form. I am now being advised that my money hasn't actually been found despite them having a voided check since XX/XX/2020. I would like to request the CFPB listen to my telephone conversations recorded by Barclays. They have repeatedly verbally advised my payment had been found and applied and it has not in fact been. I feel as though an attempt has been made to entrap me into a second payment issue. Thankfully I no longer have any trust in this bank and have not only made the large XXXX payment that resulted from the payment Barclays lost but also begun transferring this balance to a bank I have some level of trust in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XX/XX/XXXX, charged off amount for {$790.00}. Wrote the XXXX, emailed the President of the Company. Barclays Bank Delaware has violated the federal law under the Fair Credit Reporting Act section 608 and 611 by reporting after my husband went off XXXX XXXX in XXXX due to combat related injuries. Servicemembers Civil Relief Act was also violated. They have multiple accounts on my husband 's credit report that payments were stopped and balances were adjusted to reflect the Servicemember Civil Relief Act. I submitted documentation showing he was on XXXX XXXX because they had violated the law. This company saw my husband was on XXXX XXXX and documentation was submitted to them via fax. Never reported any late payments until he was released from XXXX XXXX and is completely XXXX. They are also violating the Fair Debt Collection Practice Act by reporting to the credit bureau after my husband went off XXXX XXXX. I have disputed this multiple times with the credit bureau and Barclays Bank is now put the debt as a charge off/collection when in fact they are breaking numerous laws. Barclays Bank needs to be penalized for not abiding by the federal laws that are in place for the consumers. This company continues to violate laws.This company is not veteran friendly. The federal government need to get involved and make sure they are not taking advantage of the consumer especially a veteran who has served his country. They are up on statue of limitations in the state of Virginia as well. The list just goes on and on. They never reported on his credit report when they approved my husband for the Servicemembers Civil Relief Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
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: Good morning, I have a fraud charges I reported on my XXXX rewards visa card ending on XXXX. I have charges internationally from XXXX XXXX and one for an airfare they were saying that may email and passport confirmed the air ticket for my family members but even my family members did not go out of the country those dates. My email and passport and compromise. I have sent XXXX fraud department a copy of police report, my attendace sheet at work, and other supporting documents but still they are still not giving me a fair decision. The fraud claim amount is around $ 700.xx. Can you please help me with this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My Husband & I sat through a Wyndam Vacation club presentation in the XXXX XXXX, SC area on XX/XX/2020, We declined the purchase, but said we may consider it in the future. We were asked for my Husband 's SS # and signatures for their files. We were told that they needed this for informational purposes only and they required it to give us our gift of XXXX free points for sitting through the presentation. We were told they would not check our credit or do anything with the information. We started getting alerts from XXXX the next day. We also were notified that we were both approved for a Wyndam VISA credit card in each of our names - with a credit limit of {$30000.00} each. When we arrived home after our vacation ( XX/XX/2020 ), we called and canceled both cards. We are still receiving correspondence as if the cards were still active and haven't received written notification that the accounts were closed. We did not give anyone permission to check our credit and/or apply for a credit card. It's my understanding that this may have a negative effect on our credit rating and would like to have it removed from our credit report. I can provide more info. and dates from our XXXX alerts if needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 169XX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have been a loyal customer with a prompt payment history with Barclay's/Juniper Mastercard. Back in XX/XX/2019, I noticed a pending charge on my Barclay 's Mastercard. I called the bank immediately and advised them this was not my charge. This charge was dated was XX/XX/XXXX, amount was for XXXX from XXXX ( I never even heard of this company ). They removed the charge from my account. I received a confirmation letter on dated XX/XX/XXXX advising an investigation would be made pending the outcome, I would not be held responsible.XXXX XXXX I received a second letter determining I am not responsible, pending the merchants response. On around XX/XX/XXXX, I received a call from an XXXX number, at first I didn't want to answer, it was Barclays saying they considered the transaction valid, claiming the package was delivered to my address. I closed the account immediately. Several days later, I received a letter saying the transaction was valid and the charge would be placed back on my account. As a result of these findings, I did reach XXXX and XXXX. The XXXX tracking information shows a package sent, and per the customer it was pulled off the truck and signed fraudulently at a XXXX facility. I also received a copy of the fraudulent signature. I reached out to XXXX, it seems to purchase was made online with a fake email address and a SECOND attempt was made but failed validity the following day on XX/XX/XXXX. I followed up with XXXX with a case number advising them of the fraud transaction. I gathered all the information along a police report and all attached documents from XXXX scanned and faxed to Barclay 's requesting an appeal. Since this incident, I did speak to a manager named XXXX at Barclay 's. I faxed and sent the information certified backing my claim and it was denied a second time. All the letters are enclosed. When I tried speak with someone who actually investigates these cases, I got absolutely no response. Now the case has been reopened in Merchant Dispute at Barclay 's and I feel like my issue is falling on deaf ears. I also spoke to a Customer Service Manager at XXXX, his email is attached. All my documentation is attached. Even when I spoke to several people on Barclays end they confirmed they received my information I submitted based on findings but can not explain why the transaction wasn't reversed. It is very frustrating and I do not want my credit rating jeopardized by this outcome.My initial appeal letter is also attached. I have already spoken with a lawyer but wanted to try to resolve this initially with Barclays first. All documentation will be attached and scanned. A copy of my initial appeals letter is attached. Also attached are 6 letters received by Barclays. Two of the letters are conflicting, one saying they agree it was fraud ( dated XX/XX/XXXX ) the other dated XX/XX/XXXX upheld they're decision. A police report is attached, the detective agreed when he saw the tracking information that it was suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
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, I entered into an agreement with XXXXXXXX to rebuild our business website. The first payment Invoice # XXXX was made in the amount of {$510.00} for the XXXX XXXX XXXX as advertised. They did not start to work on the site for several weeks. When the work proceeded there were troubling signs which I wasn't aware of at first. As changes were requested, for example, the spelling of our business name, was never corrected. Our business name is XXXX XXXX. This is outlined in the correspondence dated XX/XX/2019 in my rebuttal to Barclays Bank dispute. The evidence submitted by the above clearly shows this was never changed. Please refer to our chat conversation dated on XX/XX/2019 and actual pictures sent. They even went as far as to totally change our business brand and our logo without our consent. The above site designer sent fraudulent paperwork to the bank that the website was delivered. I provided the bank with proof that no website was delivered or existed by following this address XXXX XXXX XXXX. This is only a test site server. The actual web page was never delivered as they claimed. The bank failed to research my dispute nor did they address my concerns appropriately. The current website is XXXX. The information supplied by XXXX only shows delivery of logo 's. This isn't what the dispute is about. They can not document the fraudulent activity as this is electronic information and allows them the ability to avoid this evidence. The only intrinsic evidence is the logo 's that they clam was delivered. Unfortunately, I never approved this charge or authorized this purchase of logos or letterheads business cards. The billing receipts are inaccurate and distorted and fraudulent. They have not supplied evidence or addressed these receipts in an honest ethical business practice. The second charge occurred on XX/XX/2019 Invoice # XXXX in the amount of {$590.00} for Design-Registration. This is a fictitious charge applied. This payment as indicated by above was to secure my logo design from fraud by copyright protection. They said they had a legal department that would file the paperwork on my behalf. Barclay 's Bank failed to exam the authenticity of this payment with respect of copyright of my logo design. They ( XXXX ) failed to provide evidence that there was information sent to the copyright office or a serial number filing nor did they provide paperwork to substantiate this charge. Barclay 's Bank never researched this charge or observed that there was no supporting documentation as disputed in this matter. The final charge on XX/XX/2019 in the amount of {$450.00} Invoice # XXXX for Website-Hosting for ( five years ). There is no hosting as there is no website or website administrative rights given by the above fraudulent builder. The site is still in their control on the test server. There is no supplied documentation to prove otherwise. This is another bogus charge which Barclay 's Bank failed to investigate on my behalf. It became evident that during one of my online chats with the above, I asked for a physical address on their website company. After several minutes, the chat was turned off, and it was at this point the realization hit this is a fraudulent operation which bilked over {$1500.00} in credit card charges to my account. I subsequently suspended any further communication. I didn't want to be further harmed financially by this scheme. The paperwork sent to the bank by the above shows a third party called XXXX which I've learned is an online payment processing company. It is evident that these fraudulent individuals are biking the system by hiding behind this company located in XXXX XXXX California. They are manipulating their format by processing payments through their portal. As of this time, XXXX is looking into this matter as this could cause some major consequences for them on a federal level as I suspect. I recently learned the above web designer is actually operating approximately 17 different internet sites and potentially more. They are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX There are offices located in XXXX XXXX, XXXX XXXX and Delaware, New York as I've researched. They actually have an office in your area. The name of the firm is XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, Delaware, XXXX. All of the above websites are mirrored images in how they operate. The language is similar along with layouts and advertising pop ups which appear when visiting these sites. If you check the XXXX XXXX XXXX on any of these sites listed you will find poor reviews and the same bilking techniques as was applied to my credit card charges while reading through the complaints. There are two apparent issues here from my experience. Barclay 's Bank did not research my complaint to the fullest. They neglected to protect me as the consumer. They took it with face value agreeing with these fraudulent individuals. I supplied for them accurate information pertaining to my dispute. Barclay 's Bank should be chided for this poor handling of my case by your office. These charges should reversed immediately on my credit card. It also appears that this above matter may require law enforcement due to the nature of the many sites and bilking of money by of unsuspecting individuals and the many complaints found on different sites. I would appreciate your strictest of confidence with this information and appreciate any help your office may provide. Thank you for your attention regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Beginning the end of XX/XX/2019 I have been checking with the company to find out the status of my receiving as primary beneficiary approximately {$72000.00} from my deceased spouse 's CD account. There have been many different reasons provided always by a third party as to why it is being delayed. Thus far no one has ever contacted me except a CSR with an invalid comment 3 weeks ago.
Company Response:
State: CA
Zip: 95370
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Barclay card I submitted a complaint via the CFPB website on XXXX XXXX with your company and a lady by the name of XXXX responded back and she gave me information about tow companies who I could contact about two charged off barclaycard accounts I spoke with both companies and they state that they do not have these account in their Possession.your company should have enter the name of these companies when you closed this account I took the the FTC website and it clearly state that you must enter this information on the consumer report I have reports from all 3 credit reports from XX/XX/2019 that I will be more than glad to submit you. Showing that you never entering the req information by law. I asked you to please remove XXXX and XXXX as you have hurt my my ability to obtain employment or anything in my name to to your companys negligence please remove these accounts today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A