Date Received: 2020-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently checked my credit report and saw that there are two fraudulent accounts on my credit report. One is from Barclay 's and the other is from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Signed agreement with Wyndham XXXX XXXX , XXXX ( XXXX ) on XX/XX/XXXX with Section stating You may cancel your Agreement without any penalty or obligation within ten ( 10 ) calendar days after the date you sign your Agreement or the date on which you receive the last of all documents required to be provided to you, pursuant to Section 721.07 ( 6 ) Florida Statues, whichever is later. Upon research, there is no Section 721.07 ( 6 ) of FL Statues thus entirely misleading. We did cancel sending by notarized & registered letter on XX/XX/XXXX within 10-day requirement of receiving official copy of agreement. However, Wyndham nor Wyndham Plus would not recognize ( along with Barclays & XXXX XXXX XXXX ) issued at contract signing with Wyndham XXXX. Further problems followed ( even though canceled contract, each bank started charging interest & late fees even though we were officially not members as per cancelled contract not eligible for any services nor using any. What Wyndham does is wrongly state in contract require 120 days to consider cancellation, finally issuing cancellation officially accepted. Meanwhile, Credit Cards only allow 60 days then charge interest & late fees from day one of contract. Thus, reported to credit rating agencies lowering credit score every month until settled. In fact, subsequent letters to Credit Cards by notarized & registered mail are not even acknowledged or answered! Credit Agencies were notified but answered Credit Cards indicate valid charges so do nothing! This disconnect in contract times to respond is a crooked scheme ruining credit scores for consumer as well no refund of interest & fees paid. Wyndham finally sent letter accepting rescinding contract on XX/XX/XXXX with repayment of principal paid a week later. Meanwhile, Credit Cards continued to charge interest & fees on interest & fees overdue ( double illegal charges ) which we finally paid off on XX/XX/XXXX. Barclays charged in XX/XX/XXXX total fees {$240.00} & total interest {$240.00} while XXXX charged total fees {$140.00} & total interest XXXX - all illegally! While credit rating agencies will not accept our request for redress of false reduction in credit score. PS ; We have all documentation if required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
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: on XX/XX/18 my XXXX guest XXXX XXXX, claiming to be a XXXX/XXXX XXXX from XXXX, stole my credit cards and made a cash withdrawal advance. XXXX XXXX Mastercard is refusing to take it off my bill. I do not know how he guessed the pin number. XXXX police refuse to investigate. No answer from Secret Service or FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
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: Back on XX/XX/19 Barclays XXXX Business Credit Card, was transferred two payment of {$2000.00} and {$4000.00} dollars. This wire transfer was from our credit union. This payment was sent in error and a stop payment was placed by us at the Credit Union involved. We paid our credit card balance off online from our checking account and sent to credit card company. Our balance was now {$0.00}. On XX/XX/19 Barclays added the {$2000.00} return stop charge back to our account. To date, after speaking to several Customer Service Employees, Supervisors and Managers, nothing has been corrected. They added a {$2000.00} amount in error to our credit card bill, with no explanation why and will not remove it. Customer Service Reps will not give us their names or Supervisor/Corporate names or phone numbers. They disconnect us and or transfer us back to Customer Service Dept., just to start entire complaint process again. These monies were transferred to them then a stop return was issued. Barclays statement shows stopped funds, but yet they added {$2000.00} to our balance, out of nowhere, with no explanation. They told us to give them time and has been 10 weeks, When we call them, they ask to give them more time to clear this problem up. Nobody has called us back or attempted to radify error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'm a XXXX year old XXXX Veteran. Sometimes I forget things. I forgot to pay my Barclay 's of Delaware credit card on the due date. I paid well over the minimum due however it was three days late. I called them and they removed the {$39.00} late fee. A few day later I got an email from XXXX indicating that my FICO score had dropped 90 points. It seems Barclays, reported my payment 30 days late twice. I always pay my debts on time except for this lapse. I contacted their customer service department twice through email with no response. I spoke with one of their agents who told me I would be required to send letters to all credit reporting agencies. This is ridiculous, it is their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-02
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: Date of Transaction XX/XX/XXXX Amount of Transaction {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, address XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXX Bank/Credit Card - Barclays Bank Delaware XXXX I booked the reservation through XXXX. I arrived that the hotel at XXXX local time. I had an issue with the quoted rate, I was annoyed with this, but let it go and checked in. Once in the room for 5 minutes I was able to see the TV was not working and neither was the air conditioner. Here I was done. I went to the front desk to ask to cancel my stay and get a refund. The front desk clerk told me since I booked through XXXX, I had to cancel through there. So, I called them and did so, I have the phone logs to prove these calls. I got a cancellation email showing nothing to be charged at XXXX, I then left. The charge still came through on my statement so I filed a dispute, with my credit card, Barclays. Dispute ID XXXX. This was opened in XXXX, I asked them at the time I filed it did they want all of my documentation, they said no not now. I got a letter from them saying they could not issue the credit, because I signed off on a cancellation policy. I got this letter on XX/XX/XXXX, it was dated XX/XX/XXXX. I looked over the details of what I signed, and nothing in there mentioned any cancellation policies, I have no clue where this came from, and shows me they read nothing as far as the documents I signed upon check-in. I have copies of all of these. After getting this letter, I sent over all of the documents I offered to them at the beginning of this. As well as contacting XXXX to show reservation was cancelled, and I contacted XXXX XXXX customer service hotline ( XXXX ). I was given Ref. ID of XXXX for my issue. I have since called this number 4 times, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Over all of the calls the customer service representative talked to 2 different individuals at the hotel multiple times, a front desk clerk named XXXX, and the XXXX XXXX XXXX named XXXX. very single time they have stated they have removed the hold off the funds and they or their bank does not have my money. This was stated again when I called the hotel directly on XX/XX/XXXX and spoke to XXXX, she also informed me she was faxing over the details to my bank, as far as they reversed this charge. Over the life of the dispute with my credit card company I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice on XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was told my case was closed with out them reviewing my submitted info, so it was reopened. On XX/XX/XXXX I spoke to XXXX who told me the hotel was lying to me and to not talk to them. After calling on XX/XX/XXXX, and XX/XX/XXXX, I was told a supervisor would be calling me with in 48 hours. I still to this day have not gotten a call back from a supervisor. I was again told on XX/XX/XXXX by XXXX that they hotel was lying to me. I asked her who did they deal with at the hotel, and an they contact them directly to get my credit issued properly, she said we don't do that we only work with their bank. This has been awful being told different things and no one is trying to help me resolve this. The merchant is flat out telling me, yes we agree you should be credited back and we have done it, and my bank/credit card company is saying no they did not do that they are lying to you. The dispute department at Barclays has been awful from telling me different things, to simply not reading documents sent to them. I have 3 questions 1 ) Where is my money? 2 ) Can I please have it back? 3 ) Who has been lying to me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays is reporting a credit card that I never applied for. It was opened XX/XX/2014 and has a balance of {$2500.00} with a credit limit of {$1700.00} The account is also registered to some address in XXXX XXXX XXXX XXXX in XXXX, Ok and I have never lived there. In fact, a quick search of the address shows that it is a commercial property anyway. So there is no way this could be my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: For the past two days, a business that I believe to be known as 'Juniper ( Credit Cards and Plans ) ' has been calling me around XXXX XXXX. They repeatedly call me throughout the day. For the time being, I blocked their number, but they have now woken me up out of a dead sleep two mornings in a row. They call from the number XXXX XXXX. Below are the call times : Monday, XX/XX/2019 XXXX XXXX XXXX XXXX Tuesday, XX/XX/2019 XXXX XXXX ( thus far. More expected )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft, someone fraudulently opened the following account in my name : BARCLAY 'S BANK DELAWARE # XXXX OPENED : XX/XX/2015 AMOUNT. {$750000.00} I HAVE ENCLOSED MY POLICE REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Barclays Whyndham Credit Card. The company refuses to talk to me on the phone about the charges to my account. I have asked them on several occasions to stop allowing the charges they refuse. My Credit Card is max out due to the charges. I have a legal complaint the company who set of the account who is billing my credit card, I dont have any records. We have been defrauded by the company billing my card. I don't have any records of allowing them to charge my card they charges. All these charges are unauthorized. I am seeking legal action based on the out come of this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98226
Submitted Via: Web
Date Sent: 2019-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A