Date Received: 2019-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to request your help. I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : ACC # # XXXX, Opened Date XX/XX/XXXX ; Limit {$7000.00}. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have called several times plus faxed in a copy of my cashed check for {$2800.00} that they cashed on XX/XX/XXXX. They still claim on XX/XX/XXXX that I have not made a payment. Barclays XXXX XXXX Credit Card has shut off my account for new charges. I never missed a payment in full ever since I have had this card. I talked to a customer service person named XXXX who couldn't get a manager on the line after waiting 57 minutes on the line.I sent in a check for {$5700.00} on XX/XX/XXXX overnighted with the Post Office because it was going to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. I have documentation of this being delivered on XX/XX/XXXX. It cost me {$25.00} to do so and they never posted the payment. My credit score has gone down because of these bad practices of accounting. Also they been charging my account with late fees and interest while holding my money for almost a month. Please note there are two attachments supporting this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Dear bureau worker, I am requesting for your help because I am disagree with my Barclays bank reporting for the late payments on XX/XX/XXXX. On my last payment of {$31.00} on XX/XX/XXXX I had a left balance of {$1200.00} and set up an automated payments which had to start from the next payment cycle. I did not receive any emails or phone calls that I have problems with payment. On the XX/XX/XXXX I called to the bank to find out my outstanding balance, and found out that non of my automated payments went through and I was reported as a late payments. I was trying to resolve that issue and they just keep telling me to contact via letter to the FCRA and I did that once, never got the answer and now hoping for your help. Please, help me to remove this late payment from my credit report. It makes my life much harder and I am really working toward my credit history. If you can check the other credit cars and auto loan that I have, I do not have any late payment. Please, help me. Thank you for your time! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2019-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've had the Barclays Visa Credit since XX/XX/XXXX with a excellent pay history until I was diagnosed with XXXX XXXX. My salary was cut in half which made difficult so contacted my creditors. Every creditor I had made reasonable arrangement with and sent a letter with the terms of the agreement. I successfully completed the payment plan without any derogatory information nor did they cancel the card. I contacted Barclays for assistance to help with me making my payment without them reporting past due information. In XXXX, Barclays Credit Card/Bank agreed to place my account on a payment plan. My understanding with the information provided was for lower payments, credit card would be closed, no late fee without interest and report payments history from payment plan. They did lower the payments in the payment plan but interest was added and representative provided incorrect information. The incorrect information caused issues with the payment plan where Barclays canceled the plan without notifying me. Therefore, I continued to make payment plan amount each month then I received an credit monitoring alert notifying me of a derogatory information on my credit report. I called Barclays and was told the payment agreement wasn't completed as agreed so they canceled the plan. I disputed the item my credit report, filed a complaint with XXXX to remove the past due information. They stated something entirely different from what I initially agreed to and I tried to tell them what I was told. I requested the payment plan in writing but I got the round-around with vague answer and transferred from department to another. In XXXX, I borrowed the money from a relative to pay Barclays off because they were adding interest with {$10.00} going toward the principal. Therefore, it would have been XXXX before I completed a payment plan for {$1200.00} balance. Although assured me it would not affect my credit report because of the payment plan. Barclays did not tell the truth about payment plan especially the interest without derogatory information on my credit report. On XX/XX/XXXX, I was denied credit because of the Barclays 60 days past due item that shouldn't be there. When I disputed the 60 days past due, it came back saying it was 60 days past due. I was in a payment plan with the assurance only the payment plan history would be reported to credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Barclay Bank, To Whom It May Concern, My credit report indicates a hard inquiry by " BrclysBankDE ''. It is my understanding this is Barclay Bank and affilated companies. For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my XXXX credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On a recent CFPB complaint XXXX Barclays agreed to compensate XXXX XXXX miles to my account. They did not follow through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2919 I sent a check ( XXXX XXXX ) for {$5000.00} in full payment of my bill to XXXX XXXX MasterCard ( Barclays Bank ). I was credited with a payment of {$50.00}, Interest on the unpaid balance was waived when I complained. However, they refused to provide a copy of my check, saying it had been destroyed and no copy was retained. On XX/XX/XXXX, I sent another check ( this time for {$14000.00} ) to them and this time was credited with a payment of {$1400.00}. Again, interest was waived and their account manager told me neither the actual check or a copy existed. That I refuse to believe! My bank told me that they receive only notification of an electronic cash transmittal and no paper confirmation. No human being takes part in the process! Checks are read by computers and payments are processed entirely by computers. I have written over 10,000 checks during the past seventy years and these are the only two instances in which the amounts were misread.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A