Date Received: 2019-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Credit Bureau was made aware that I was a victim of identity theft of which the listed item reported may be a result. I have no knowledge of this account as it is listed with redacted account number xxxxxxxx XXXX. I have never done business with Barclays Bank Delaware resulting in redacted account number xxxxxxxx XXXX. I have also requested proof of permissible purpose resulting in redacted account number xxxxxxxx XXXX of which I have not received to compare to my records. Desired Resolution : Delete & Block item immediately pursuant to FCRA law section 609.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
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: The date of last payment is missing and the date of last active is not consistent. Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay 's XXXX XXXX credit card is charging interest in excess to those disclosed. Instead of charging interest on my remaining balance each month, they are charging interest on the value of my remaining balance PLUS the balance of all purchases made during the next month. For example, my credit card bill in XX/XX/2019 was $ XXXX and I paid off {$4400.00} ( I am rounding number here to make my example easier ). My remaining balance was {$600.00}. In XXXX, I charged $ XXXX on my card. The interest charged on my XXXX bill was on {$9600.00} instead of XXXX! I reviewed the disclosure on my bill. I have a XXXX degree and I don't understand it. I can't imagine what others think when they read it. My friend worked for the CFPB as an examiner and told me to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96789
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/19, I receive a voice mail from Juniper World Mastercard XXXX. The message stated that there was a review of my account and they placed a credit on my account due to an error they discovered in said review. They told me to call XXXX if I had any questions. I looked at my account and it posted a credit of - {$5200.00} on XX/XX/19 called " Finance Charge Credit ''. I called XXXX on XX/XX/19 to ask questions about this and the only things they could/would tell me is that the credit was due to an APR finance charge error on my account that happened been going on for " years ''. They wouldn't tell me how long it was going on. This is a huge credit, which is nice, but it seems like they are trying to do this under the radar because I received no email or written letter explaining any of this and I don't know if this credit is accurate at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2019-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX Credit Card from Barclay have changed all there benefits after people signed up. These changes are not a simple tweak but seem more like a tactic to issue cards with wonderful benefits then change all the best benefits shortly after they have enough people signed up. Is it legal to offer 4 % cash back on meals, then with 30 days notice change it? Can you offer {$50.00} annual bonus to people then decide not to offer it anymore? And many many more changes. If this is the way were being offered services then change a few months ( a few weeks for some people ) after we sign up, then we need to change the law. XXXX/Barclays Credit card changes : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX realizes that the debt collection process is complicated. In 2017 the U.S. Supreme Court decided in Henson v. Santander Consumer Financial USA, whereas third-party ownership voids my rights under the Fair Debt Collection Practices Act. Several of my old charges were never transferred to new ownership with written verification or validation, just a one page letter claiming that the original debt was sold. I am willing to settle on my old accounts that are still legitimately within the 6-year charge off timeline to enforce collections. However, I request a copy of the actual transfer rights of ownership. This is mandatory in any state or federal court jurisdiction where applicable. I also request the actual purchase price on transfer, which is only fair on any negotiated settlement. Accordingly, I request full disclosure from all debt ownerships, and if possible a reasonable settlement offer on the basis from the charged off date. I am entertaining a Chapter XXXX bankruptcy petition in the meantime, and will pull that trigger if there is no other alternative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2019-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Used XXXX XXXX XXXX XXXX online bill payment service to issue payments to my credit card company. Unfortunately, I selected an old payee from the dropdown list and made two payments to the former card issuing bank, XXXX XXXX XXXX Payment Date : XX/XX/19 Payment Amount : {$220.00} Payment Date : XX/XX/19 Payment Amount : {$94.00} The XXXX card portfolio was subsequently sold to Barclays and is where I intended the payment to go. I've been in contact with XXXX XXXX XXXX ( multiple times before XX/XX/19, XXXX XXXX ' online banking provider - XXXX ( XX/XX/19 XXXX XXXX ), XXXX XXXX XXXX XXXX XX/XX/19 @ XXXX Hawaii Time, XXXX XXXX ), and Barclays ( XX/XX/19 XXXX Case # XXXX ; XX/XX/19 XXXX XXXX and his manager, XXXX XXXX XX/XX/19 CSR? And her manager XXXX ; XX/XX/19 CSR XXXX ). XXXX XXXX XXXX sent payment tracer information to Barclays on XX/XX/19 and XX/XX/19. Barclays sent a letter dated XX/XX/19 to say that on XX/XX/19 they issued provisional credit in the amount of {$220.00}. That is incorrect. The credit was posted on XX/XX/19, as shown on my XX/XX/19 statement. I have not received word about the status of that case. I received a credit balance refund check on XX/XX/19, that included the provisional credit. I received a vague letter from Barclays dated XX/XX/19 saying they received my recent paymnent inquiry and are unable to complete my request at this time. I assumed it was regarding the {$94.00} payment, so I called. The CSR told me they can't find that payment so they can't help me. She said they found the {$220.00} payment and that's why they issued me a check. After I used the term " provisional credit '' and questioned whether they were in violation of Reg E, she recanted and also committed to escalating my compalint to a manager who would call me back within 24 to 48 hours. I am unable to attach documents at this time but can do so in the future if you provide an email address or a portal where I can upload them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2019, I was served with a citation on a lawsuit from Barclays Bank Delaware with XXXX XXXX XXXX listed as the attorney for the plaintiff. After much research, I discovered that Barclays had actually referred the account ( they still own the debt ) to XXXX XXXX, a collection agency, per Barclays. XXXX XXXX claims that they are not a collection agency and that they referred the account to XXXX XXXX XXXX, a collection agency law firm. I never received any type of communication from XXXX XXXX XXXX prior to being served with a citation. I sent XXXX XXXX XXXX a request for debt validation. The only thing they sent me was a few of the bills from Barclays and where I had applied for a credit card with Barclays on the Internet. That in no way validated that they had the authority to collect the debt. I hired an attorney to represent me. I could never verify with the court whether or not he responded to the suit, since I said I had an attorney, and could also never get the attorney to call me back. I have filed a complaint with the State Bar Association of Texas due to the attorney 's negligence. Today, XX/XX/2019, I received a letter from the court stating that a default judgment was decreed since there had been no response to the summons. I will be filing a separate complaint with the FTC against the attorney. My complaint against XXXX XXXX XXXX is their violations of the Fair Debt Collections Act, by not sending me any communications of my right to dispute the debt nor validating the debt. I have not signed any contract with XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Barclay Card Shut my Credit card down Without prior notice At the time they shut my credit card down I had over XXXX travelers points They can be redeemed for over {$1600.00} towards travel. after my account was shut down My rewards balance went down to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A