Date Received: 2019-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A Certified/Return Mail was sent to this creditor, Barclays Bank - Delaware requesting that the account # XXXX since XX/XX/2012 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job and the consistent lack of credit extension to me by potential creditors. Barclays Bank - Delaware must delete this erroneous information from my credit reports with all the Credit Bureaus with immediate effect. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2019-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX, XXXX XXXX, BARCLAYS, XXXX, I sent a LEGAL Notarized affidavit disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), to Provide physical verification of the original signed consumer contract. I demanded to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I APPLIED ONLINE FOR THE " XXXX XXXX XXXX '' CREDIT CARD, WITH A $ {$99.00} ANNUAL FEE. I HAD A FOLLOW UP PHONE CALL WITH BARCLAYS BANK WHEN THE FEMALE CUSTOMER SERVICE AGENT RAN MY CREDIT REPORT WHILE I WAS ON THE PHONE, RESULT WAS XXXX, SHE IMMEDIATELY APPROVED ME FOR A CARD, {$25000.00} CREDIT LIMIT. I ASKED IF WE CAN LOWER THAT TO {$5000.00}, SINCE I AM GETTING THE CARD FOR THE XXXX XXXX XXXX BENEFITS, SHE AGREED AND LOWERED IT. I RECEIVED IN THE MAIL A " XXXX XXXX '' CARD, NOT THE " PLUS '' CARD, WHICH DOES NOT HAVE MANY JET BLUE AIRLINE BENEFITS ASSOCIATED WITH IT. I HAVE MADE NUMEROUS ATTEMPTS WITH BARLCAYS BANK TO RECTIFY THIS ISSUE, THEY CLAIM I APPLIED FOR THE JET BLUE CARD, AND NOT THE JET BLUE PLUS CARD, WHICH IS NOT TRUE AT ALL. I AM TOLD I WOULD HAVE TO REAPPLY, AND HAVE MY CREDIT RAN ONCE AGAIN, WHICH IN TURN WILL LOWER MY IMPECCABLE CREDIT SCORE. SO, NOW I HAVE A CREDIT CARD THAT I NEVER APPLIED FOR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: It has recently come to my attention that your company has placed an inquiry on my credit report. I would like to exercise my right under section 809 of the 1972 FCRA. It is my right to request that YOU send me proof that I authorized your company to check my credit on XX/XX/XXXX. Please provide me a copy of a signed credit application and documents showing I specifically gave your company the authorization to review my credit. If you can not provide me the requested proof within 10 days I request that you immediately DELETE this item from my credit report. Please note any templates, or off subject information letters will be taken as an avoidance tactic by your company. Please attach a document on your company letterhead stating your findings and result of deletion of this inquiry along with Confirmation Deletion Request Number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
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: The following charges were reported as never being authorized to the credit card company multiple times starting XX/XX/XXXX and were not made by me or my wife. Despite multiple correspondence and phone calls, and with multiple instructions to stop allowing the charges, the company never stopped the charges and never took the fraudulent charges off of my account. Transaction Date Description Category Amount XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
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: A XXXX Transaction is made on my Barclays credit card in XX/XX/XXXX. The charge was authorized and is supposed to be charged only one. But in my billing statement, the charge from the same merchant, XXXX is shown twice for an amount of $ XXXX. I opened a dispute with Barclays and they asked me to contact the merchant. So I contacted XXXX and they emailed me back on XX/XX/XXXX, that they made the charge only once and its the credit card company 's mistake. I provided the email proof from XXXX to Barclays. I did not receive any status update. So I called Barclays back again and they said the dispute was closed. So I opened the dispute again and provided all the proofs. This repeated multiple times till now, XX/XX/XXXX and now the last time I opened the dispute with the highest authority at Barclays, I got a callback and they told me it was too late to do anything now. That the transaction has happened a long time ago and there is nothing they can do about it. On asking why my dispute was closed so many times, they say its the merchant who is responsible and for charging me twice and it's not Barclay 's responsibility to take care of it. Now I can not contact the XXXX either because they will not keep all records from two years since its a big airline company and they have too many records to keep. Now both the parties are not taking responsibility and I as a customer have to end up paying such a big amount for nothing I used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Hello Dear CFPB I have XXXX Reward with Barclays Company since XX/XX/2013 and with limit XXXX and wanted to have credit limit increase but was turned down which is very unfair in my opinion because i have great credit almost no debt base on XXXX XXXX and XXXX XXXX. I do not want to put charges on my card because i will max out my card. I spoke with manager. XXXX Employee Id number XXXX and also was truned down. I want to use card and earn rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
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: In XXXX of 2019, I received a XXXX XXXX notification that my credit score took a turn for the worse due to a missed payment Barclay claims was my fault. Even though this was reflected on my account, I have no records of owing Barclay the amount reflected on my account. Due to this, I was taken back when I saw the amount I owed Barclay. When I received notification from Barclay that I missed a payment I promptly paid the full amount plus interest. I contacted Barclay over the phone on XXXX of 2019 to dispute the missed payment. They told me it was not possible even though I have never missed a payment for being a loyal customer with them for two years. I included the letter in this request that I sent to Barclay and asking for your assistance in making sure this is fair to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: BARCLAYS BANK CREDIT CARD SHOWS ON MY CREDIT REPORT WITH XXXX, WHICH IS NOT MINE!! PLEASE HELP ... I HAVE FILED WITH THE FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX XXXX card that is handled by Barclay 's Bank. According to my XXXX website I have a XXXX credit score. I pay all credit card balances each month. Barkclay 's denied my application for the credit card. I called the XXXX telephone number and was told that I would receive an explanation letter. That letter never arrive. A second call and I was told by a representative who was reading from a script that I could not be given information over the telephone. In the meantime, I had removed the freeze from my three credit reports and they were about to be frozen again. Without an explanation, I am led to believe that Barclay 's Bank is engaging in Age Discrimination. I am XXXX years old and retired. I have adequate retirement assets to pay off any credit card balance. There is no mortgage or any other form of debt. I believe Barclay 's bank should be censured and fined for its illegal practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A