Date Received: 2019-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-03
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time. The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust. We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card. Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt. We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not. We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2019-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-02
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Last XX/XX/2019 I was fully paid my balances included interest charged.On this XXXX statement I have XXXX balance but they still charged me worth of {$36.00} for this statement.I called the company and I spoke the manager her name is XXXX to requested to waived this interest charged because I have XXXX balance for this XXXX statement .But, she denied my request.Im complaining this company because This not fair to charged me additional interest with XXXX balance in my account..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The issue I'm currently experiencing with my Visa, Wyndam Rewards card. Around the end of XXXX early XX/XX/2019, I called my CC 's 800 number to simply check my balance. When I called in I was not offered an option to hear my account balance via the automated system I was sent to a Customer Service Rep. I verified myself and explained to the CSR that I was in a hurry, I just need to get my account balance but was unable to retrieve it through the automated system. To which the agent stated that she would first need to clear up the fraudulent transaction 'flag ' she was getting ; as we started this process she wanted to mail me a new a card, I declined. There was an obvious language barrier ; she stated that she could not complete the action w/out requesting a new card. I let her know I didn't have time to do this, I just wanted my account balance to just leave the charge for now and that I'd call back and deal w/ it later. She would not give me my balance information, to which I became very upset and asked what would happen to my account balance if I were to just cancel the account. She answered my question. She then asked me if I wished to close my account ; I told her no, I believe I was cursing because I was so upset I still didn't have my account balance after all this and disconnected the line. I called back on XX/XX/2019 to inquire about my account balance ( as I pay my bills at the end of the month ). Again, I was not offered the automated system and was given to an agent. The first thing I brought up was taking care of the fraud charge and stated that if it was necessary to go ahead and send me a replacement card. The agent was very helpful in getting my account balance but was confused as to why I kept mentioning the mailing the of a new card. After a lot of back and forth and a clear language barrier, the CSR disclosed that my account was closed. To which I informed her that I had never requested for my account to be closed. I requested a Supervisor ; I was put on hold for over 30min. only to be told no Supervisor was available and that it would be taken care of by her supervisor w/in the next 24-48 hours and that they would listen to phone call to confirm. Today, XX/XX/2019 I received a letter from Barclays that they apologize but are unable to reopen my account. I then tried calling back and requested to speak to a supervisor about my problem and was left on hold for over and hour and a half ; at which time my cell phone dropped the call. I am not only upset that this agency has fraudulently closed my account without my request or permission. Then lie to me and tell me that it will be taken care of as it was their mistake. And then like a coward send me a letter in the mail stating that it's against their procedures to re-open accounts .... Well where in their procedures does it give a CSR the right to just close an account without the cardholders request or approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2019-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-01
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: Dear CFPB, I am writing to you dispute information that Barclays Bank has reported to the credit bureaus regarding a late payment. In the month of XXXX, 2019, Barclays Bank reported to XXXX, XXXX & XXXX that my payment was 30 days late. I would like you to please review this case. In XXXX of 2019 I was enrolled into XXXX XXXX XXXX account which would close my Barclays Bank account and XXXX would make payments to this account moving forward. XXXX advised me to make the first 2 months payment on my own as it may take up to 8 weeks for them to begin making payments. In XXXX of 2019 I noticed XXXX had not made a payment yet and I knew it was approaching the due date. I called XXXX and they said that payment would be made on time. I called Barclays Bank to inform them that I did not want any late payment to be reflected on my account or on my credit report if the XXXX payment did not go through on time. I would prevent that by making payments on my own from my own checking account. On XX/XX/XXXX I had a 45 minute phone call with Barclays Bank representative named XXXX. I specifically discussed with XXXX, that since I am enrolled in this program, if XXXX fails to make payment on time, I would make my own payment to prevent any late payment from being reporting to the credit bureau. XXXX put me on hold to consult with his supervisor and then came back from hold and stated since you are enrolled in the debt relief management program we will not report late payments to the credit bureau. This was the last 30 seconds of the 45 minute phone call on XX/XX/2019, which I have recorded on my XXXX XXXX XXXX XXXX account, and was also recorded by Barclays Bank. In this statement I was specifically advised by the creditor that if the payment that is to be made by XXXX is not made on time, it would not reflect on my credit report. Since I was advised of this by XXXX I did not make any payment on my own and waited for XXXX to process payment to Barclays Bank. Weeks later, I was notified that the XXXX payment had not been processed on time and Barclays Bank did report a late payment to the credit bureaus, resulting in my first-time-ever late payment and significantly dropping my credit scores. I had immediately called Barclays Bank bank several times and discussed this entire situation, asking Barclays Bank representatives to look into this and remove the late payment reporting and honor what their colleague from Barclays Bank told me. I placed 7 phone calls to Barclays Bank. One representative did look into the recorded phone calls and confirmed with me that she located and listened to this conversation with XXXX on XX/XX/XXXX, where XXXX stated that this would not be reported to the credit bureaus, and she said she would submit this to a manager who would call me back. I never received a call back, and nobody from Barclays Bank has been able to help me rectify this. I filed a complaint with the creditor, and filed this information to XXXX, XXXX and XXXX, and still they are showing 30 days late on this account in XX/XX/2019. It has been over 45 days since I reported all of this. I am asking you to please honor what I was told, and please help remove that late payment reporting from XXXX of 2019 as I am an honest individual who has ALWAYS made every payment due on time for every account I have ever had throughout the history of my entire life. It should not be reflected on my account if I was misinformed by the creditor. I did exactly what I was told to do, and could have prevented this if the creditor had given me accurate information. Please understand that I was led to believe that a late payment by XXXX would not be reported on my credit account, otherwise I would have made the payment myself. I am perfectly capable of making payments myself on time. Moving forward I will not take any chances waiting for XXXX to make payments, and I will post payments myself. I am asking you to please understand my situation and please see my credit payment history, Barclays Bank acceptance letter of enrollment into XXXX XXXX XXXX account, as well as the above referenced phone call. I can provide any further information necessary and I can be reached by email or phone call : XXXX XXXX XXXX ( XXXX ) XXXX Thank you for taking the time to help me rectify the reporting on my credit account. Appreciatively Yours, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2019-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-30
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I sent a {$24000.00} that I received from the closing lawyer after my home closing to pay off Barclays, my credit card company based in Delaware. This {$24000.00} check cleared XX/XX/XXXX. XXXX deposited this into someone else 's account ( they wrote an account number on the check that isn't mine ). I spoke with XXXX at Barclays on XX/XX/XXXX and she assured me that seeing as I had all the documentation from the lawyer showing the check clearing that it would be rectified in 30 days at the most. I then received a letter from Barclay the first week of XX/XX/XXXX stating they needed a hard copy of the cleared check and the letter stated this would be rectified in 10 business days. This was nearly a month ago. I spoke to a manager XXXX XX/XX/XXXX and she assured me she was personally escalating this and she would personally see this was resolved by today ( XX/XX/XXXX at the latest ). I received a letter Friday ( XX/XX/XXXX ) stating Barclays is reviewing my account dispute and needs 45 days. I called Barclays today ( XX/XX/XXXX ) and spoke with another manager, XXXX who assured me she was personally escalating this and she would personally see this was resolved. I have been working diligently attempting without success to get MY money. I have spoken with customer service as well as managers. I have provided all the proof they required ( I had to contact the title company and the lawyers office to even be able to access a copy of the cleared check ). This company has made me spend hours and hours of my time without giving me any help to get me my money. My funds are still applied to someone else 's account.. i.e. FRAUD!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX not only contacted associates that had nothing to do with my account, they disclosed information to the third party in regards to the debt. It was embarrassing, deceptive, intimidating. I asked XXXX XXXX to cease all calls, and I also informed them I want only written communication. They still call me! Even after I informed no more calls. This company should not be in business disclosing an individuals personal business matters to third parties and repeated calls after DNC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for the XXXX credit card with Barclays. I have an amazing relationship with Barclays - have never been late, have never gone over my limit, etc. Further, I have amazing credit. By Barclays own FICO tool, I have a credit score of XXXX. That said, Barclays refused to issue me the card because they said I had opened other credit cards, or even dared to apply, with other banks. Yes, because I had sought credit with other banks. The agent I spoke with told me that they need to see " time away from seeking credit '' with those other banks. Barclays absolutely should not be allowed to deny credit cards as retaliation for using other banks for your credit needs. Our credit system shouldn't be as such that a bank can monopolize all your credit and retaliate against you if you do not agree to stay only with them. They should only be looking at risk and with a XXXX credit score there is clearly no risk. It saddens me that Barclays has done this because it means that millions of Americans who are not loyal to Barclays are going to be locked out of credit. I even offered to move credit from one card I have with them to another. This would create 0.0 % increased risk because they are not issuing any new credit, only moving what they have already agreed to extend me. It is clear retaliation and it must stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2019-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A