Date Received: 2020-01-21
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: Credit card company Barclay Card US : I charged a coat with XXXX on XX/XX/XXXX ( order # XXXX ). My daughter mailed the coat back as defective in XXXX XXXX. They mistakenly mis-calculated that it was " over a year old '' transaction and said she would get a merchandise credit. However, on XX/XX/XXXX, XXXX gave a credit back of {$240.00} on my OLD credit card ( which had been closed because the number was stolen ). The vendor and credit card company both have confirmed that there was a credit invoice sent and received by my credit card company ; credit invoice # XXXX. It was supposed to be " automatically '' charged back to my new account number by the credit card company. I have had to be on the phone with my credit card company twice now ( not to mention numerous emails and phone calls with XXXX as well ) to get my money properly credited back to me. Each time the credit card company started with a person being completely incompetent and not knowing at all what to do and then finally getting a person supposedly skilled and able to do this and yet each time, despite promises of the money being credited " within 24-36 hours '', NO MONEY. I am furious and they have now had my money for almost 3 months and I do not have it!!!! I am so tired of this incompetence and practically theft. I want my money back and I don't want to have to call and beg them for it and they should pay me interest on this money that they have kept from me. My last call was on XX/XX/XXXX at XXXX XXXX. I spoke with employee ID XXXX " XXXX ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX putt my account in collection status as of XX/XX/XXXX. I did not open an account with XXXX XXXX and nor do they have my consent to report anything on my credit or any public record. I had an account with Barclays, which I had to abandon because I had to leave the country to take care of my sick father. I tried to call from XXXX and make payments but my call was rerouted to different departments, with no one being able to collect my payment which was coming from a different country in a different currency. So the account was charged off. After returning back to USA after two years I was contacted by XXXX stating you can start paying and paying Barclays account, without explaining that Barclay has already reported this account as charged off in XXXX and no matter what i do XXXX can not remove that derogatory remark from my credit. When I got accustomed to credit reports and what it means and figured out that I am making payment to a company which is not even affiliated with Barclays, I explained the whole situation again to then and asked them for my original contract with Barclays to see where does it say that they can not accept payment from me unless I am in US. To that they said that they can not provide original contract to me. So I refused to make any further payments, as I never opened an account with XXXX and the Barclays account has already been reported as Charge off, so what am I paying for at this point? Based on this conversation they reported my account as collections. How can one account be reported negatively twice on the credit report. I do not acknowledge XXXX as the creditor, as I did not open or sell my account to them. I want the amount ( Approximately {$2000.00} ) I have paid till date back from them, as they cheated me with a false information and promise. Moreover they did more harm to my report by never reporting any payments I made till date, but instead reporting my account which has been previously charged off, in collections. How can a charge off account be in collections?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was contacted by XXXX and XXXX XXXX ( XXXX ) acct # XXXX from XXXX NC as a debt collector for Barclays BankCard Services. I entered into an agreement of the threat of a judgment if I did not pay the debt. They agreed and me to hold judgment if I started making payments on the debt which I paid in full. Barclay hired the company to collect the debt. I paid the amount agreed to and received a payoff letter and the debt was closed. I am attaching everything. I was told it was my responsibility to notify credit bureaus of the debt payoff which I did do. I was told to dispute the debt and attach all payment information and the paid debt letter which I did that as well. Barclays Bank through the dispute process is refusing to show the debt as paid. They will not speak with me telling me to contact the attorneys, which I have to no solution. The most recent dispute, Barclay told the credit bureau they had charged off the debt. However, that is not true as I paid the debt. Barclay is also stating I still owed {$200.00} which is also not true. I paid the total debt through the debt collector that Barclay turned the case over to. O told all parties involved I would gladly pay the {$200.00}, but The debt collector states I can pay what is not owed. I am no longer able to dispute the item without new evidence and I have no new evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28532
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Wyndham time share charged my Wyndham rewards credit card twice after being told to stop ( XX/XX/19, XX/XX/19 ). One charge was immediatedly reversed. The other took 5 months to reverse ( XX/XX/19 ). The credit card company eventually removed my late fees/interest, which put me at a {$0.00} balance as of XX/XX/19. I am being told that the credit card company is now having my late payments being removed from my credit as of XXXX XXXX. During this time period my card was closed due to non-payment of this unauthorized charge, which was in dispute with the creditor and credit card company. I have made numerous calls to have my card re-opened. 1st 2 calls, Credit card company said they were submitting request to try to get re-opened. These request were undocumented by card company. 3rd call said they don't have the authority to reopen a closed card. My card was at a {$0.00} balance before/during this dispute process. My payments were on time and my card was open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays bank Delaware has Violeted the law by refusing to verify the tradeline the reporting to the 3 bureaus.i sent out some letters beginning XXXX of XXXX and the never responded. So XX/XX/XXXX I decided to call them so I can get to the bottom of this.they told me they couldn't verify the tradeline because they didn't have it on file yet they reporting it. according to the law it's my right to ask for debt verification but Barclays Bank refuse to follow the law
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original debt was with a timeshare we signed up with and then backed out of. We paid the amount of {$5300.00} with our Barclays Card in a down payment and we subsequently paid it immediately with our XXXX XXXX checking account for a product that would not work so we CANCELLED as called for in our agreement We called our bank to refuse the charges our bank refunded the balance ... ..When the charge then showed up on our credit card we spoke with Barclays and disputed the amount with the card as fraudulent because the product didnt work as promised. The travel company. Cant remember the name ... .refused to reverse the charges and BarClay then refused to credit the amount to our account and started collection procedures. The travel agent actually lives in XXXX so we cant reach him and we shouldnt have to.contact him This account got confused with amother travel account with the same name PRIVILEGES which we paid for and used all the rewards from it. Because of the confusion of one working and one not working Barclays was under the impression we owed for the XXXX transaction as well. We refused again to pay so they again started collections. Please help us get this DELETED from our credit report. Im XXXX yrs old and dont NEED credit but am a XXXX and dont want this on my record cause its a debt I do not own or owe.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Last XXXX ( 2019 ) I flew from XXXX to Texas on Frontier. The stewardess made an announcement regarding the Frontier credit card. She promised a certain amount of bonus miles as well as promising that the annual fee of {$79.00} would be credited back to the account if a certain amount were charged to the card within ( I think ) the first 30 days. She passed out the applications, I verified with her the promotional agreement re bonus miles and fee. I received the card and used it immediately, satisfying the terms she stipulated. When I received my first statement, my charges AND the annual fee were pending. I called Barclays who claimed to know NOTHING about such a deal. The representative I spoke with suggested I wait until the next statement to see if the annual fee were credited back to me then. It wasnt. So I called again only to be told they couldn't do anything for me, that it was Frontier 's responsibility. At one point I was told that if I had only called within 60 days, they could have closed the account and refunded the annual fee. My original call was within 60 days. I paid off my charges and the interest on said charges, contacted Barclay again to close my account and notify them that I was disputing the annual fee only to receive a statement the following month with a late fee. Once a dispute is made to an account, it is standard procedure to freeze the balance there and send a report to the credit-reporting agency of delinquency. So I contacted them again. Their plan is to continue to add a late fee each month. I also called Frontier customer who referred the situation back to Barclays because they were the bank. They intimated/stated that I had misunderstood the stewardess. I am neither unintelligent nor hard of hearing. Besides, I verified that specific information with the stewardess before disembarking. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Acct. # XXXX XXXX XXXX XXXX SS # ending in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 691XX
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Barclay US Credit Card division places a 26 % APR on credit cards ... ..these are predatory percentage rates similar to a " pay day loan '' rate. Also, whenever, you request a credit line increase from this company, they place a " hard credit inquiry '' on your credit report. I have 37 credit cards. All are at a XXXX balance. I have an XXXX credit score. Every " hard pull '' credit inquiry hurts my credit and stays on my inquiry with the bureaus for 2 years. This punishes a customer for asking for a credit line increase. Every other credit card company uses a " soft pull '' for credit line increases or history with the account for the purpose of credit line increases. I do not accept these " hard inquiries '' being placed on my credit file. I have a PERFECT record with Barclays on all 3 accounts with their company. However, I have 6 " hard pulls '' on my credit file for asking for credit line increases which have always been approved. But, I don't want or accept the " hard pulls ''. This action must stop. It hurts the consumer 's credit rating by doing a hard pull and stays on their file for 2 years. I've contacted Barclay but they state this is their SOP and it will remain this way ... .PERIOD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This account is paid in full. Note letter dated and signed showing this account is no longer in collection status but PAID IN FULL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX we closed on a refi with our title company. With the closing of the refi, we were paying off the balance of {$9400.00}. The title company overpaid by {$1700.00} so the check total was for {$11000.00}. Barclay received the check, cashed and cleared by XX/XX/XXXX. I called Barclay and was told it can take 7-10 business days for the payment to be applied to our account. It never got applied to my account. I was then informed it would take another 7-10 business days to find out IF Barclay actually received the payment. In the mean time I was advised to SEND ANOTHER PAYMENT so I won't get hit with a late fee!!! So not only do they have my money, they have the overpayment of {$1700.00} AND they want me to send them another {$230.00}. I feel like I have been taken for a ride and I have been stolen from. All I want is my money back, to pay them off and get them out of my life and spare anyone else the headache and time spent trying to get them to just do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A