Date Received: 2019-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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 : BARCLAYS ACC # XXXX. Date Opened XXXX. 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: 94122
Submitted Via: Web
Date Sent: 2019-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I missed a payment on this card and they turned it off. In XXXX I called to find out what the pay off balance was on the card. I made that payment. Got a notification that i still owed money the next month. I made that payment as well. Somehow they are still saying I owe {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60098
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
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 was charged {$390.00} on my barclays card on XXXX XXXX XXXX. I have multiple conversations with barclays and XXXX. The conversations with XXXX state that I didn't want their service anymore. This dates back to XXXX. XXXX would reply with a nonsense answer stating that the business had to be closed. The business filed for dissovlment in XXXX and XXXX. It was dissolved before XXXX. I communicated all of this to barclays and provided the documents attached to prove so. Barclays is now saying that I owe over {$480.00} because of late fees and interest all because of the fraudulent charge from XXXX. When I started the process with barclays to show that the charge was fraudulent, they stated that no fees or interest would be accrued while a charge is in dispute. I have sent multiple messages to XXXX with no responses in the regard of discontinuing services with them. I have sent barclays multiple messages now about how I should have to pay for a fraudulent charge, interest accrued and late fees accrued because of the fraudulent charge. They just reply with contacting someone else in another department or saying they need more documentation. The documentation that they want XXXX won't provide because they reply to many messages. Thank you for your time, and please let me know if anything else is need to file a formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16803
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Good Morning, They Give a false name, Always stating they have a subpoena to serve at my work or home and I need to show them two pieces of legal ID. or they try to ask me my financial status and which forms of payment I need to use. Not a company name but a person name. ( XXXX, XXXX, XXXX, XXXX ) I ask them to remove my number and to stop calling and they just hang up. I block the number calling, then the next call is same harassment just different number. I can List all the numbers if needed there are about 40 with-in a 30 day span. All area codes XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Two or Three times a day. It has got to the point where I shut off my work phones mail box for messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I have 2 hard inquiry hits on the same date from the same company. Company showing as : XXXX XXXX XXXX SD XXXX XXXX There showed only be one on that date and not 2. So this is impacting me and I never knew this whole time. Also, for : Company : Brclysbankde XXXX DE XXXX XXXX There is a hard hit on two dates : XX/XX/XXXXXXXX XXXX XXXX XXXX I was wondering how I can get these dropped off or at least one in good will and a good faith courtesy by chance? And also there is 2 for XXXX XXXX on : XXXX XXXX XXXX XXXX, CO XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Both 1 day apart for some reason. And is there anyway that one of these can be dropped as there's 2 for some reason within 24 hours apart that is also impacting me. I am trying to better my credit and I didn't ever look at my hard inquires. Everything on my credit is correct. But I don't find it fair to have this XXXX to have done 2 hard credit checks on the same day XX/XX/XXXX. And for some reason XXXX XXXX has 2 one day apart from each other. I am requesting this to be taken into consideration along with the Barclay if they can do anything in good faith and in good intentions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-29
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I contacted Barclays today to get a copy of the original card agreement that I signed. They told me that they do not have it and refused to provide it because it was sold to a collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applied for a credit card ; somewhere during the process they change my last name to the city I reside in and issued credit using my SSN information under a name that is in no way tied tied to my SSN # ; this is concerning that anyone could have opened Credit in any name Using my SSN # ; They refuse to look at the process and make any corrections. Without me now sending Legal Documentation of Who I am ; I have no problem doing this, but they Company needs to be held responsible in issue Credit in Fake name. Also Concerning they are unable or unwilling to check their computer data base to see who or why the change was made by their own Employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2019-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I noticed I had a balance of XXXX. I didn't want a balance showing on my credit report so I went online to pay off the balance. The site showed I could make a same day payment up until XXXX XXXX. I tried to make a payment at XXXX XXXX but the payment site kept showing the payment would have a posting date of XX/XX/XXXX ( next day ) I called Barclays at XXXX XXXX and spoke to XXXX ( on a recorded line ) and was able to make the payment over the phone. XXXX repeated the amount and verified the account I wanted the payment to come out of. I had to verbally give him permission to make the payment. He stated the payment was made as of the XXXX but I wouldn't see the available balance until two days. A payment of only {$27.00} was made and it posted on the XXXX, the day after statement posting. I have attached the screen print of my attempt to pay on line, first line shows same day payment up to XXXX XXXX, the lower right corner shows the time of XXXX XXXX when I attempted to make the payment online after talking to XXXX so I could see that it payed and be sure it was going to post for that day. The second attachment shows my statement summary of the account with a statement balance of XXXX and a payment of only {$27.00}. I called back on XX/XX/26 when I noticed the balance, I spoke with XXXX around XXXX XXXX and the resolution was they would notate my account for the issue and open a case.s
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Dear Sir or Madam, This complaint is regarding the absolutely AWFUL treatment & service that I received from Barclays. I take my credit very seriously and responsibly. Whether it be for personal or business use. Furthermore, I currently only use about 17 % of my available credit according to FICO. As in some cases, I was treated with no respect from this institution. With two lines of roughly {$8000.00}, I was only using about {$1700.00} of available credit related funds. {$600.00} on a line of {$5000.00} and {$1200.00} on a line of {$3000.00}. I have ALWAYS made payments on time and often carried a XXXX or very minimal balance. My health insurance was automatically billed via the XXXX card, this was the line of {$3000.00}. Again, NEVER an issue at all with payments, usage, or charges. That is until, without telling me, or warning me at all, this despicable institution ( Barclays ) lowered my credit line significantly, with ZERO fair justification, or reasoning. My {$3000.00} line went down to {$1300.00} over night. Causing my automatic payment on my health insurance to be declined. Needless, to say this was a big issue for me. Not to mention embarrassing. Again, I have ALWAYS been a very good client. NEVER doing anything but pay the bills on time and use funds very responsibly. By any possible normal standard of decency, fairness, risk management, and compliance, theyre was ABSOLUTELY NO WAY that I should have had that happen to me. Why would any business upset a good, in my case great, customer. What was the problem? When I tried to contact them, I got treated like a piece of XXXX, and given the runaround completely. None of their metrics make any sense or logic at all. Its like saying that Im guilty before ever actually committing any crime. I have a XXXX XXXX in XXXX from a major XXXX university and find it ludicrous that I have to explain myself in regards to the extremely responsible use of my finances. I have no mortgage, very little debt ( If Any ), in fact much less than a year ago, no student loans, have never missed a payment, and excellent payment history. Lastly, I tried to explain that although it had nothing to do with any financial reason, my wife had been almost killed in a car crash at the start of the year, and rather than be so UNJUST and HARSH with me, they should have had some compassion. I even offered to pay the ENTIRE balance off at the time, in an act of good faith, should they do the right thing, and restore my credit line. I feel that this was a completely ridiculous lack of cooperation on their part, not taking that offer. Particularly, with no payment even due yet! Things happen in life to all of us and even with this, I NEVER missed a payment. I want the entire world to know how lousy of a financial institution they are. In fact, per my recollection, they almost went under during the financial crisis in 2008, THEMSELVES. I would please ask that you follow up very sternly with them and note this case on file. I am completely disgusted with how I was treated for no reason AT ALL. I not only should have my credit limit restored, but increased, including a letter of apology for the inconvenience. This would be by any common sense standard business practice, the right way to treat an excellent client. Not to mention a person. I thank you in advance for your help in investigating and resolving this matter. Kind Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against Barclays Bank account # # XXXX, date openXX/XX/2018, status open. I open an account with the mentioned company on XX/XX/2018 for some XXXX items and the card has a credit limit of {$2500.00}. On XX/XX/XXXX I had a balance of {$1700.00} on XX/XX/XXXX I had a balance of {$1700.00}, on XX/XX/XXXX I made a payment of {$1000.00} leaving a balance of {$790.00}, on XX/XX/XXXX a had a balance of {$820.00}, on XX/XX/XXXX I made a payment of {$820.00} leaving account in {$0.00} balance, not even imagining that Barclays Bank was going to report to credit bureaus a late payment for the amount of {$27.00} on XX/XX/XXXX of 2018. There was also no notice that I'd be reported to credit bureau or anything, just what seemed like 3 silent months of late fees racked on while I sat around thinking balance was {$0.00} the whole time. Just the fact that I was not notice of late payment insertion to credit bureaus is a violation to the California Reporting Act. Any reasonable business would not report a late payment of {$27.00} ( which I had no idea they even existed ) knowing that I have a {$2500.00} limit credit card in {$0.00} balance. Do you really think that I wouldnt have paid those {$27.00} knowing that I had to? This is business/tort and unfair business practice and I want my financial freedom back and Im not planning to be tied up because of a banks mistake. I do not have any other complaint against Barclays Bank and would like to continue making business with them, all I want is to remove that late payment which should not be there in the first place. Im attaching a copy of my account in my XX/XX/XXXX report so Barclays bank can see their mistake and fix it as soon as possible. I have a {$300000.00} home loan pending for this mistake so please lets avoid legal actions here. I would also like to be provided with a deletion letter from Barclayss bank through CFPB portal. Im also attaching an unfiled SC-100 that I will file in the event that negative mark remains in my reports. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2019-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A