Date Received: 2019-10-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-26
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 had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX of dollars of FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-26
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BARCLAYS BANK DELAWA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Hi, On XX/XX/XXXX, I was approved for the Barclay 's XXXX XXXX card and received a sign up offer of XXXX miles for {$5000.00} spend in the first 3 months. Due to inconsistent messages from Barclay 's agents and an unfortunately timing of a chargeback, Barclay 's has denied me this sign up bonus. [ Referencing Message Confirmation Image ] On XX/XX/22, I asked if I had reached the spend for the bonus ( Barclay 's didn't offer an exact tracker for the bonus- the closest thing was the spend analyzer. I wasn't sure if it was updated quickly/accurate for purposes of checking on my bonus so that's why I msg 'd to double check ). The agent 's reply was yes " providing that the transactions are not later rescinded or returned '' ( 2nd paragraph ). [ Referencing Initiating Case Image ] I replied to the agent asking about a chargeback situation. Basically, over the summer, a bartender wrote an extra {$20.00} tip ( in addition to the automatic gratuity ) and I immediately contested a chargeback. Barclay 's only accepts fax or mail so I mailed in the receipts/evidence. This process took incredibly long to fix on Barclay 's side and eventually they send in a letter [ Referencing XXXX XXXX Image ] saying that they'll provide a credit for XXXX XXXX-the amount disputed. However, Barclay 's ended up refunding the entire transaction of {$170.00}. And this reversal was processed 2 days before the deadline for my 3month sign up bonus. Seeing that, I worried that Barclay 's would count this against me. I called a representative a few days later and she confirmed that I indeed will not receive the bonus due to this chargeback. Because she couldn't do anything about it, I wanted to escalate this to someone else who could help me resolve this and so the agent opened a case for me. [ Referencing Final Resolution Image ] and [ Statement with XXXX Image ] After not hearing back for weeks, I reached out for an update. The message said that I didn't qualify for the bonus due to 2 returns : the chargeback and another one for {$160.00}. I remember this XXXX return but I want to note that this was done back in XXXX - XXXX. The statement for this came out on XX/XX/XXXX or XXXX. When I doubled check on the bonus, it was on XX/XX/XXXX. I should've been informed that no, I didn't hit the minimum spend required then. ( I had assumed that I spend enough to cover the XXXX refund and the chargeback for XXXX was the only issue preventing me from getting the bonus. ) Plus, they did nothing to address the issue with the chargeback. I don't think it's fair that 1 ) Barclay 's send a physical letter saying a credit for {$20.00} when they didn't do that and 2 ) taking a long time for processing the chargeback and putting it on my account 2 days before the min. spend deadline. -- In summary, the communication by Barclay 's were essentially false statements that mislead me into believing that I had completed all tasks to qualify for the signup when I did not. In addition, the manner they've handled a chargeback impeded my ability to qualify for the sign up bonus. Thanks for taking your time to read this, K
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27514
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Barclays Bank offers the XXXX XXXX credit card. As a US citizen living on a single ethnicity territory like Puerto Rico, I can not apply to it. The only reason why the application was denied was because the credit card is not offer to US citizens living in a US territory like PR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 009XX
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX XXXX {$1100.00} XX/XX/XXXX Barclays Bank {$2800.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$3300.00} XX/XX/XXXX Remove from all 3 credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63137
Submitted Via: Web
Date Sent: 2019-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-24
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: In XX/XX/XXXX, I closed my XXXX XXXX XXXX due to lousy customer service. At the time, the credit card company misapplied payments I had established and refused to correct the problem Since then I've been paying faithfully on my remaining balance, cutting it almost in half. Also since then, I've had limited access to my account online so that I could establish and, if needed, modify online payments. I also use the card 's free credit score service. On today 's date, Thursday, XX/XX/XXXX, I tried to access my account on another computer and entered an incorrect password. I was immediately locked out of my account. The only way to access the account and remove the lock is to provide the full 16-digit credit card number and three-digit code on the back, which creates a paradox since the account has been closed for years. Also on today 's date, I contacted customer service and spoke to two representatives who refused to help me. The first person said online access ends after six months of closing a card, which doesn't make sense because I've had access to my account online for nearly four years. A second representative said the only way to access my account is with the 16-digit account number, which he said is on the statement. However, I was at work, didn't have the statement with me, and most credit companies have a variety of ways to verify one 's identity. The lousy customer service I received today is of the same level of poor service I received previously. All I want is the ability to access my account to modify payments as needed. It's a closed account so there's no identify theft risk. I will never do business with XXXX XXXX or XXXX XXXX as a result of this fiasco, and encourage everyone else not to give them business either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2019-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I entered into an agreement with XXXX XXXX XXXX to settle my debt with three credit companies, XXXX XXXX, XXXX XXXX and Barclays. XXXX XXXX and XXXX XXXX were taken care of, Barclays was set on a schedule to pay my debt through the attorney firm of XXXX XXXX XXXX, see attached agreement. I made all the payments up to XX/XX/XXXX to XXXX XXXX XXXX. On XX/XX/XXXX I found out my debt had been sold to XXXX, XXXX XXXX XXXX. I was still making payments to XXXX XXXX XXXX to go into my account for paying off my debt. I had to inform XXXX my debt had been sold to XXXX XXXX XXXX and they should contact the new law firm, to make sure they were going to honor my written agreement I had with XXXX XXXX XXXX. They told me that they had contacted them and arranged to start making payments to XXXX, XXXX and XXXX. All the payments were made on schedule, the last payment made on XX/XX/XXXX. My debt was paid, now I needed to pay XXXX their fee for settling my debt. I did so and was debt free by XXXX of XXXX. I noticed there was over {$3000.00} still in my account. I called XXXX to ask why, they said it was residual from my payments and I could have it returned when they graduated my account to paid in full. I was overjoyed, not only did I pay my debt, but I had money left over. On XX/XX/XXXX I found out that not only was my debt not paid, but that the new law firm XXXX XXXX XXXX XXXX XXXX are refusing to honor the written agreement I had with XXXX XXXX XXXX. XXXX XXXX XXXX is refusing to take responsibility for their mistake in not following up and they have already collected their fee. By their contract, they are only able to collect their fee once the debt is paid. I still have over {$3000.00} in my account to pay the debt, They are taking service fees out on a monthly basis. XXXX. My credit report should reflect that this debt was paid off in XXXX of XXXX. It is now XXXX, almost XXXX of XXXX and this has still not been resolved. On XX/XX/XXXX, I began consulting about buying a house. I assumed my debt had been paid off. In XXXX of XXXX, I found out my debt had not been paid off and I contacted XXXX XXXX XXXX to find out why it had not been paid as previously thought, they told me they would be contacting XXXX, XXXX & XXXX. After several months of calling XXXX and not getting any kind of answer, I received an email with a new settlement amount from XXXX. Since then, to my utter frustration, I have been contacted several times to agree to the new amount. They even offered to help me finance the new amount. I have spoken to XXXX, a supervisor, who said she was looking to the problem. I have tried to have XXXX call me back several times to see if she straightened out the problem. She has yet to return my calls. I feel harassed because people keep calling from XXXX, trying to get me to agree to the settlement from XXXX XXXX XXXX. Each time I tell them I will only speak to a supervisor and there is never one available. I have not asked for a cease and desist, because I only wanted to speak to someone who can actually help with the account, without me having to repeat the problem.Do to the inaccurate recording of my debt, I was informed by my financial advisor at my bank, that I would not qualify to buy a house. She encouraged me to return when my credit was cleared of this debt. I would like to pursue the maximum allowable damages, due to the incorrect reporting of my debt to the three reporting agencies. I also want my credit repaired immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-23
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/XXXX I checked my wife and I 's XXXX Visa card account through online banking. It stated that there were suspected fraudulent transactions on our account and advised us to call in. I called the number provided and spoke to a Barclays representative. She identified several charges that were believed to be fraudulent. I advised that neither I nor my wife had made those charges and she stated they would remove the charges and close my card and send a replacement. She asked about some additional charges, but I stated that I couldn't be sure which ones were legitimate versus which ones were fraudulent because my wife and I were both using our cards at the time and my wife was traveling so not immediately available to review with. She said that would be no problem and advised me to simply call back with a full list of the fraudulent charges. On Monday XX/XX/XXXX I called back and provided the full list of fraudulent charges listed below. I was advised that they would be investigated. I did not think there would be any issues getting the charges removed since Barclays had contacted us and knew there was fraud on the account. Fraudulent Charges : XX/XX/XXXX XXXX - XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX 'S XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT XXXX I learned later that week that I was the victim of widespread identity theft, with multiple accounts opened in my name and multiple other applications submitted that I was able to catch before they were opened. However, I am not sure if this is related to the fraudulent charges. On Tuesday XX/XX/XXXX I received a call from a Barclays representative. They asked me if I had been in possession of the card when the fraud occurred. I responded that I had been. As far as I know the card was never out of my possession. Based on that response the representative advised that the majority of the charges would be denied and we would be fully responsible. The representative advised that because these were 'chip ' transactions they could not be fraudulent. We subsequently received a letter dated XX/XX/XXXX from Barclay stating : " This will confirm our discussion that your fraud claim has been denied on your XXXX account. As a result, you remain responsible for payment of the disputed amount as well as any applicable associated fees and finance charges, in accordance with the terms of the Cardmember Agreement ... '' Below are links to multiple articles stating that fraud is still possible with chip cards and chip transactions specifically. I do not believe the fact that the fraudulent chip transactions were made while the card was in my possession is sufficient evidence to deny outright and feel that this policy is unjust and predatory. I do not know exactly how these transactions occurred, I am not a fraud expert, I only know that they were not made by either my wife, myself, or anyone known to us, and as such we should not be responsible. I also note that there are at least 20 other CFPB complaints outlining the same issue, so apparently we are not the only victims of this type of fraud. Articles stating that fraud is still possible with chip transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After this conversation my wife and I filed a police report ( a copy of the report is attached ). At the time the officer advised they would likely not be able to catch the perpetrator of the fraud. On XX/XX/XXXX, on advice of a Barclay representative, we contacted the vendor of one of the fraudulent charges - XXXX. Over the phone the representative XXXX XXXX ( called XX/XX/XXXX @ XXXX ) advised that the transaction was completed by a XXXX XXXX. This person is not known to either my wife or myself. This is further evidence that either - the assertion that it is impossible for chip transactions to be fraudulent if the card was in my possession is false OR Barclays system is incorrectly showing transactions as chip transactions that were not chip transactions. In either case I believe I have provided sufficient evidence from what is available to me for the identified fraudulent charges to be refunded based on the laws limiting consumer liability for fraudulent credit card purchases. Based on this evidence I ask that the all of the transactions listed ( total {$770.00} ) be removed from our account as the fraudulent charges they are. In the past calendar year my wife and I have spent $ 68,000+ dollars on this account. The suggestion that we would attempt to fraud Barclays out of {$770.00} defies logic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2019-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hi, I contacted Barclays Bank to make them aware of charge that was not mine and had been assessed late charges on, they assured me that no interest and penalties would be assessed further to my account. They continued to call me and tell me my account was overdue and when I told them the account was in dispute they would tell me that it was a call in error and once their investigation was completed they would send me their results of their investigation. I was never notified of the results of that investigation and the late fees and penalties kept increasing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2019-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A