Date Received: 2019-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I would like to report a scam debt collector named " XXXX XXXX '', who claims to be representing XXXX XXXX at XXXX. I have received repeated phone calls and voicemails concerning credit card debt that is not mine. When I asked for a written validation notice specifying the amount, and the name of the original creditor I was threatened and dismissed. I have checked my credit card report for good measure before filing this report and there is no listed debt. These are the phone numbers that have been used : ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
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 have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX ; and XXXX ) -and have placed my account in transaction. At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To Whom it May Concern, I am writing in regard to my original complaint, XX/XX/XXXX. In my original complaint, I communicated that I was told my transfer did not occur. I asked for the recording to be reviewed, because I was told time and again the transfer showed it did not happen, and that all of the fees should be returned to me. I waited for this to be corrected. I was assured by the management team on the phone that they were working to achieve this. So I waited. As interest accrued on my account, I was concerned ; which I communicated on every call. Now, because I was told this was going to be corrected, {$3800.00} worth of fees, and interest were assigned to my account I asked that the calls be pulled, and listened to, in an effort to have the facts confirmed, as this was a conversation in each call. In the letter dated XX/XX/XXXX from the office of the president, it states my call could not be substantiated. Moreover you will find a letter for a bank transfer we completed on XX/XX/XXXX for a completely separate 0 % transfer, from Barclays. I never received a letter like this for the transfer I am disputing. I had to go through the action of closing my account, just so I could capture confirmation that every call is recorded. You will read ( and hear ) in the call I recorded that there are notes stating I was told this was an error. Not only is Barclays withholding the interest in the amount of {$3800.00} ; they held a {$34000.00} over payment from my company for 7 weeks. They would not allow me to utilize the credit, nor did they return the finds in a timely manner. I had to call every week for seven weeks to receive my money back. During each call, I was told a different story. This is scribed, and included in the audio I am attaching. I have scribed the conversations supporting my claim, along with the recorded conversation. In fact, there was a supervisor I named in my original report, XXXX who confirmed on XX/XX/XXXX I would receive my money back. You will hear XXXX on the recorded audio stating every single call is recorded. This would include hers on XX/XX/XXXX. I continued using my Barclays business credit card, and as I charged, I would pay the balance I charge in full. The interest accrued is all from the transfer that I was told should not have happened. There have been several news stories, where banking facilities have taken advantage of consumers. I would like to have my interest back. I should never have had to pay it. The bank should have, after listening to all of my calls ; simply refunded this. I own a small business, and am completely shocked that a large banking facility would work so hard to undermine a consumer by misleading them, so they can capture interest. Respectfully, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 Barclays Bank Delaware submitted a hard inquiry to retrieve my credit information. Upon notice of this inquiry around XX/XX/XXXX I contacted Barclay Banks via telephone to their " fraud '' department. I explained the issue and I was told they would cease any processing and submit a request to have the hard inquiry removed off of my credit report. On XX/XX/XXXX I received a Barclays Bank credit card in the mail at my home address. The card was issued on XX/XX/XXXX and contained a cash line of {$1600.00} and a total credit line of {$4000.00}. At no point in the past 24 months have I given permission to have a hard pull on on my credit reports nor I have inquired or applied for any additional lines of credit therefore the hard pull occurred without my consent. Furthermore, I had a credit card issued to me that I never applied or approved up that was issued after I had already contacted the banks fraud department. After being assured that Barclay would take care of the issue, they failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 498XX
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am a XXXX XXXX in the country of XXXX who presently has permanent residence in New Jersey. I used my Barclays XXXX XXXX credit card to purchase my return airline ticket and for some reason my XXXXXXXX XXXX did not pay the charge automatically as set up. Barclays refuses to make a 1 time exception to remove the delinquency from my CBR as it has affected my score adversely. As you are aware credit score is imperative in society and being a XXXX preparing to become a XXXX my score is critical. Additionally, I paid the same second I received an email and a letter at home stating my delinquency. I would question why they would wait 3 months to notify me of delinquency and not sooner.Perhaps the late fee of {$37.00} a month is a common practice to destroy ones credit and increase income for the bank. My intention was not to be delinquent as I have never been and would have paid this immediately if I knew.I can only imagine how many customers this has happened to in the past. Please help as I need credit and only doing the right thing in today 's world.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Company involved : Barclays I use a priceline Barclays card and have noticed recently that I am not able to make a payment more than the current balance shown in the app. Basically, if my statement closing date is XXXX day of every month and I use the Barclays credit card to make a payment on XXXX or XXXX, and if the balance is not posted on same day, I wont be able to make a payment towards that amount until it is posted. If it is posted on 6th, its highly likely that my statement generated on XXXXh will have that balance and as a consumer, I would be denied the opportunity to have a XXXX balance at the end of cycle. Basically, Barclays is stopping me ( customer ) to make a higher payment than current balance and denying me the option to have XXXX balance on my credit report. Im sure multiple customers are impacted by this and Barclays is denying their customers the opportunity to have a XXXX balance at the end of statement cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12304
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX, family member contacted by a company called XXXX XXXX. XXXX XXXX XXXX regarding a credit card from XXXX. Account has been written off a long time ago. She gave an amount and said she was calling in behalf of Bank of Barclays. sHe did give me a supposed balance due and a settlement amount figure. As I asked more about this debt, she became very rude. Then she said I had a choice to settle or go to court. I was being served if I didn't handle debt today. I was hung up on as I asked more details on who the debtor originally was with and can i have a contact number. I called back to speak with the person and she proceeded to tell me she was not up for discussion. All information was verified and they were going to serve me. Believing this is a collection company trying to strong arm me into paying them something because they bought the bad debt. i agreed to pay a settlement amount and set up payments. a form was sent via XXXX and i signed it thinking everything was legit and money would be drafted. today i received a called from unknown that says : This is XXXX with XXXX XXXX contacting me on a complaint case. She said i had discussed with them on arrangements of XXXX. ( I intentionally scheduled payments on paydays to make sure funds was in the account. ) She stated the case is now active again because the installment was declined. if i don't contact them by XXXX to settle, i will need to appear in court. they left a number of XXXX ext XXXX. This number does not even work. I have called multiple times from different phones. Now I think, I have been set up and this is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My Barclaycard Bank of Delaware MasterCard credit card account is lost/stolen and has over {$5000.00} in fraudulent charges/transactions listed on the account.
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: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: To whom it may concern, I am very distressed having to write this letter but I see no other way to resolve this issue. On XX/XX/XXXX I decided to get a loan to pay off my credit cards. My Barclay card was to be paid off at XXXX dollars. The bank distributed the checks to the various creditors ; I provide the statement payment stubs with the corresponding envelopes. Somehow the Barclay payment never made it were it was going. All payments were made with official bank checks. When I received my XX/XX/XXXX bill from Barclay I noticed the {$3100.00} payment was not there. I just figured it had not posted yet. When I got my XX/XX/XXXX bill and it still hadn't posted I contacted my bank they retrieved the canceled check and called Barclay. The bank has faxed and emailed the canceled check to Barclay several times. Barclay finally came up with the answer that the check had gone to the wrong bank, were some of their accounts had been sold too. The bank and I have been calling Barclay Almost every week to no avail. I was told in XX/XX/XXXX when the investigation started I would not be charged late fees or interest until the matter was solved. I on XX/XX/XXXX and XX/XX/XXXXBarclay called 5 to 6 times I returned their called assuming they were going to tell me the problem was solved, they informed me I owed them a XXXX past due payment .I informed them as far as I was concerned they were paid off I have a canceled check made out to Barclay . We have been dealing with this since XX/XX/XXXX every time you call them you get someone different to speak too, the last supervisor I spoke to tried to get a specialist to speak to me, he was told none were available. I really need help resolving this matter ; it is putting a strain on my mental health and my marriage Thank you for your time, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A