Date Received: 2019-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX XXXX XXXX a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by Barclay 's Bank ) Both XXXX XXXX and Barclay 's Bank failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney XXXX XXXX sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what XXXX XXXX and the numerous law firms and Attorney 's assigned to this case had been doing to me. After I was I made aware of this law suit ( by the court ) I immediately contacted XXXX XXXX and Barclay 's Bank in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. XXXX XXXX told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for XXXX XXXX to eventually disconnect my calls. I called Barclay 's Bank and they also told me my account was no longer in their system and they had no information with respect to what happened to my account. Taking a step back, XXXX XXXX filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. XXXX XXXX claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from XXXX XXXX. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from XXXX XXXX regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe XXXX XXXX has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed XXXX XXXX ( and the court ) I completely disagreed with this debt and the amount of money XXXX XXXX claimed I owed them since Barclay 's Bank had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, XXXX XXXX is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by Barclay 's Bank. I do not know or understand how XXXX XXXX came to own this account as I was making timely payments to Barclay 's Bank as recently as XXXX. I was sued by XXXX XXXX in XXXX. I never once heard from Barclay 's Bank or XXXX XXXX via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of Barclay 's Bank and XXXX XXXX. XXXX XXXX claims they own the account and Barclay 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, Barclay 's Bank and XXXX XXXX never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's XXXX XXXX has handed this case off to has been impossible. XXXX XXXX and Barclay 's Bank have stone-walled me. I have been informed XXXX XXXX is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02038
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
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: This is an extension of Complaint XXXX. After Barclays failed to adequately address my concerns, I discussed with Barclays representatives that i would return the merchandise that was purchased. I was told by XXXX XXXX and two other employees of Barclays that i would receive a full refund of the exact amount I was charged without any exchange rate issue. These people were XXXX id # XXXX, XXXX XXXX id # XXXX and XXXX XXXX. In reliance of these three representatives, I returned the merchandise and was issued two receipts equal to the purchased amount in Euros. No restocking fee at all. However, Barclays, did not give me a full refund. The difference is nearly {$40.00} off from what was charged on my account. I want the full refund of my two charges as represented by these people. I am attaching receipts and screen shots of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88220
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-01
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In XXXX - XXXX of XXXX Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84104
Submitted Via: Web
Date Sent: 2019-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40214
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Problem with customer service
Subissue:
Consumer Complaint: I had a credit card with Barclay. Barclay sold my credit card services to XXXX XXXX.I placed a 0 % balance transfer of {$1600.00}, on XX/XX/2019 wanting it to go to my balance on my XXXX card. The amount {$1600.00} went to Barclay instead of XXXX. On XX/XX/2019 Barclay cashed the check. They will not give me the money to pay my XXXX card. I do not get any help when calling Barclay customer service. They either hang up or transfered around with no help. Please Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-31
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2019-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A