Date Received: 2019-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX! I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC! Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account in XXXX!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2019-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against Barclays Bank Delaware Account # XXXX, open : XX/XX/2014, status Paid and closed with {$0.00} balance and XXXX credit bureau. Back on XX/XX/XXXX I sent a letters to the mentioned companies letting them know that Im a victim of fraud and account has to be removed, as required by the California Reporting Act, due to the fact its fraud related. The fraudulent account was removed from the other 2 credit bureaus only XXXX has not done so, making a violation to the FCRA. Im attaching the letters a sent to the mentioned companies on XXXX, with a Federal Trade Commission report that was also sent to the mentioned companies. This account has to be removed from my XXXX credit report or else I will take legal action in the event that this account remains in my report. I have a {$400000.00} mortgage loan pending due to this error of this mentioned companies. This is my last source Im using to fix this error and if it is not fix it will be resolved in court. I would also want to request a deletion letter from Barclays Bank through CFPB portal as soon as possible to provide to mortgage company. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94123
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Barclays Bank Delaware # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I am a victim of Identity Theft. There is a Barclays credit card Account Number : XXXX appearing on my credit report that I have never applied for. I am not receiving responses from Barclays and they are reporting to the bureaus that the account is accurately reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95834
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Card was opened in XX/XX/2019. Card would not work. Contacted Barclays and CSR informed me to fax a copy of my drivers license and social security card to verify account. Fax was sent XX/XX/XXXX. Waited and called back in early XXXX. CSR informed me that fax was ineligible and requested me to fax it again. Faxed copy on XX/XX/XXXX. Nothing changed. Contacted Barclays on XX/XX/XXXX and they said they hadn't received fax ( I have proof that fax was transmitted correctly ). Re-faxed documents on XX/XX/XXXX. Contacted Barclays on XX/XX/XXXX and CSR says that they still need a copy of the utility bill. This was a new request that had never been told to me before. CSR would not let me speak to a supervisor or escalate this. Now receiving a collections calls due to late payment. The card has a {$95.00} annual fee and a late payment charge of $ XXXX dollars but I can not access this account or pay anything due to the account being locked. I inquired about closing the account and the CSR told me I can not close this account until I pay the {$95.00} annual fee and the late fee EVEN THOUGH BARCLAYS IS NOT LETTING ME ACTIVATE OR USE THE CARD THEY ARE CLAIMING I OWE THEM MONEY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2019-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company XXXX XXXX, ( Barclay ). They gave me limit of XXXX on XX/XX/XXXX then decreased amount on XX/XX/XXXX to XXXX. I already had XXXX on the card. Then they hit my credit report and hit me with fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80831
Submitted Via: Web
Date Sent: 2019-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received a text message from XXXX on sunday XX/XX/XXXX stating : Free Msg Fraud Dept : For your protection, a hold has been placed on your Barcklys-credit card. Please call XXXX. when i called the number sounded legit.Then they ask for full credit card number. I did not enter it because i dont know where i placed the card. I called Barclay 's directly and spoke to someone and they told me, there was no such thing of my card being placed on hold, and no note from their security team. Scam/Phishing Alert!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2019 I receive Ofer from credit card company Wyndham rewards visa for 0 % Apr for 12 months I applied and got Approved I call them to do balance transfer from from my wife credit cards discover of the amount of {$2900.00} After 1 month I got the Statement from XXXX card and I sew that the balance Didnt go through so I called Wyndham rewards and start to get a lot of lies from them its all ready Past 7 months and they didnt respond back to me in the mean time I paid both credit cards for Wyndham ( yes they charge me {$2900.00} ) and the XXXX card that I paid high interest rates ( 24 % ) in the last 7 months I called the company every week and still didnt get respond they just give me different case number the last one I got was XXXX XXXX Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Consumer Financial Protection Bureau Someone had fraudulently created a credit card account with Barclays Bank and charged over {$5200.00} under my name and this amount has been over due for several months now. I do not bank with Barclays Bank. I have always paid my credit card charges on time and there has not been any arrears in payment unitil this incident. My credit score had always been high but because of the fraud, my credit reporting has plummeted to a very low level. I have contacted XXXX, XXXX and XXXX about this but nothing is being done. I have spoken to the fraud department at Barclays Bank and after investigation they have concluded I have been fraudulently charged. However to this date, nothing has been done to clear my name nor my credit report/score. I have recently found out that there was data breach by XXXX and they are being sued for data breach of confidential customer information. I strongly believe that I am one of the victims from this data breach. Please include me in your class action lawsuit against XXXX. I deserve some compensation because my credit and name had been tarnished. I have put in great deal of time and effort in trying to solve this fraud. Yours truly, XXXX XXXX XXXX, CA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2019-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A