Date Received: 2019-08-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, on XX/XX/2019 BARCLAYS BANK DELAWARE has left an unauthorized hard inquiry on my credit with XXXX, I didn't apply for any credit so i called XXXX and placed Freeze on my credit and they said contact creditor to send us a letter to remove this unauthorized hard inquiry on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
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: I made a purchase on XX/XX/2019 on a Barclay 's Wyndham Rewards Visa Signature Card for {$190.00} at a website using XXXX with the credit card as the payment method through XXXX. The charge was reflected on my credit card account as of XX/XX/XXXX. On XX/XX/XXXX, after being unable to contact the seller and having not received the item ordered, I reported the fraudulent seller to XXXX. XXXX 's practice is to contact the seller and ask the seller for proof the item was delivered. The seller provided XXXX with a XXXX tracking number showing that something was delivered to a location located in my town. XXXX 's policy is to deny a fraud claim if a seller provides a valid tracking number. XXXX denied my claim on XX/XX/XXXX. As I never received the item and was still unable to contact the seller, I disputed the transaction with my credit card company on XX/XX/XXXX. On XX/XX/2019, I received in the mail a letter from Barclays denying my fraud dispute claim based on the information given to them by XXXX. The letter stated that if I disagreed with the result, I could reassert the dispute within 10 days. I reasserted the dispute via Fax letter to Barclays on XX/XX/2019, which was within the required 10-day period. In the reassertion that I submitted to XXXX, I included documentation provided by XXXX to show that the tracking number was not valid. I then received a letter dated XX/XX/2019 from Barclays acknowledging that I provided information about the fraudulent XXXX tracking number ; however, Barclays stated that they could not resolve my dispute because it was " past time per Visa ruling. '' Upon subsequent calls to Barclays, I was verbally advised that the Visa ruling time is 60 days. I provided the proof of fraud within the prescribed periods required by Barclays and within the apparent " 60-day Visa rule. '' It was only due to Barclays delay in responding to the dispute that it was beyond this alleged 60-day required time period. I have since made numerous calls to the Barclays fraud department to discuss this issue. Some representative have been outright rude. Others have promised follow-up and call backs from management. However, I have yet to receive any such follow-up or call back. In fact, when repeatedly requesting to speak to a manager or supervisor, I am told that no one is available and that my only recourse is to wait for a call back that never occurs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07410
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I attempted to dispute a charge with my credit card company ( Barclays ), where services were not rendered as expected. I was denied dispute rights. Summary : On XX/XX/2019, I made a purchase using my Barclays Arrival credit card. It was for {$320.00}, with a merchant called XXXX. XXXX is a global hotel booking service, owned by the publicly traded XXXX ( XXXX ). Documents A, B, and C are the receipts for this transaction. My {$320.00} were to pay for a private suite in a XXXX hotel called XXXX XXXX. This suite was the hotel 's most expensive property. Upon arrival at the hotel on XX/XX/2019, I learned the hotel received only 60 % of my payment. The merchant, XXXX, which contracted to book a private XXXX for {$320.00}, booked the hotel 's cheapest property instead, a bunk-bed in an 8-person dorm room. Documents D and E were given to me by the XXXX XXXX hotel. They show the hotel received only 60 % of my {$320.00} ( XXXX Euros ) and attempted to get the remainder from merchant XXXX, to no avail. I contacted the customer service department of merchant XXXX, attempting a good faith resolution. I requested a full refund of the transaction amount. The merchant refused, making smaller and unsatisfactory offers. Documents F and G are emails from the merchant XXXX admitting clear culpability, claiming a " booking error '' on their end. They never explained why they refused to give the hotel the balance of my money. That remaining balance is still missing to this day. Document H is my official charge dispute letter to BARCLAYS. I included all the above documentation in this initial complaint, and a follow-up one. Document I is Barclays official refusal to decline this charge, or pursue action against XXXX. This, despite my providing them with evidence of services not rendered as expected, and two culpability admissions by the merchant XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24073
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX report. It has been over 30 days and I have yet to hear back from Barclay. If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I submitted a dispute letter directly to the Barclays Bank regarding a hard inquiry submitted in XX/XX/XXXX that is reflecting on my XXXX and XXXX credit reports that is unknown to me. I received a response letter from this creditor dated XX/XX/XXXX stating that the credit inquiry was the result of an application received via web for the XXXX card issued by Barclays Bank Delaware. I do not nor have I ever applied for a line of credit online with this Bank or any other institution nor have I ever had an account or credit card issued to me from this creditor. Nevertheless, it is still reflecting on my credit reports with XXXX and XXXX inaccurately. The final outcomes of the letter states " As a result, the inquiry is accurately reporting to the consumer reporting agencies '' which is false. I contacted the number listed on the letter regarding fraudulent activity on XX/XX/XXXX and spoke with a representative who was unable to locate a file on me. I would like for this matter to be looked into further and this inaccurate inquiry removed immediately. Thanking you in advance,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score. Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am submitting a new complaint in reference to the closed complaint # XXXX. Please refer to the above listed complaint number that has been closed for all of the information. I submitted feedback regarding this complaint and explained how this issue is not resolved as far as I'm concerned. I received a letter from XXXX XXXX ( Quality Manager ) on XX/XX/2019 ( Mr. XXXX CC 'd Consumer Financial Protection Bureau ) stating that the Barclays Consumer Lending Account ending in XXXX was established fraudulently. Barclays submitted a request to the lending agencies to have this loan removed from my account. I have verified that the loan has been removed from my credit report. The issue I have is Barclays will not give the XXXX Police Sergeant assigned to this case any information even after receiving the court ordered subpoenas that Barclays said they " needed ''. I was told multiple times by Mr. XXXX, a manager by the name of XXXX in the Fraud Investigation Dept and XXXX in the Barclay Security Dept. that in order to receive any information regarding the origination of this loan they would need a subpoena. Subpoenas were sent on XXXX. The Police Sergeant received a copy of the Consumer Loan Application Data ( this is the application information Mr. XXXX speaks about in his letter dated XX/XX/2019, cc 'd to the cfpb ) the exact same Application Data I received without a subpoena. Please note, had Barclays bothered to verify my Mothers Maiden Name, a HUGE RED FLAG would have been raised as the maiden name listed is not even close to her Maiden Name. I called and spoke with Mr. XXXX multiple times and he stated that Barclays has no other information to give. " Barclays has given all the information required by law ''. He claims Barclay did not keep images of the IP Address. I have spoken to my own personal loan manager at XXXX XXXX Bank and he said that every IP address, every keystroke is recorded and it never goes away. So, why will Barclays not comply with the subpoena? In my last conversation with Mr. XXXX he stated, " This loan has been removed from your credit report, we took care of you, what else do you want us to do '' I told Mr. XXXX, I want to pursue this identity thief and prosecute to the full extent of the law. Mr. XXXX stated in his XX/XX/XXXX letter that Barclays " customer service is very important to us. Though our servicing expectations were met, I regret that your expectations were not met ''. What Mr. XXXX fails to realize and others at Barclays bank is I'm not their customer, I'm their victim. My expectations have not been met. I have complied and I have done everything I was told to do and I still don't have a lead as to who stole my identity and received a XXXX $ loan in my name. I have a strong intuition that maybe a Barclays employee had their hand in this fraudulent loan and there is possibly a cover up? The person I suspect of stealing my identity is not a stranger to fraudulent card fraud, he has 10 XXXX Counts against him for Financial Card Fraud and is known for enlisting help within institutions to conduct his criminal activities. I have a right to any and all information regarding the origination of this loan. I want to know who stole my identity whether it's the person I suspect or someone else. It is unnerving to know that this was done to me and XXXX $ was given out so easily and freely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27614
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received a solicitation online from Wyndham when setting up a hotel reservation. Said you'll get {$50.00} off the hotel room and a VISA card with Rewards issued by Barclays Bank.. So I got one and used it on a trip. They gave me a {$50.00} statement credit and I racked up nearly XXXX points on charges exceeding {$2500.00}. When I tried to redeem the points I went to the redemption site but it claimed I did not enter the correct info, my Wyndham Rewards Membership No., my email address and my ZIP. ( All of which were exactly as on my statement ). On XX/XX/XXXX I tried calling Barclays but they refer you to the ( outsourced ) Redemption outfit whose phone system said waits exceed one hour! The card looks like a scam. The Bank is responsible for its agent 's failure to perform under principal - agency law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48708
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A