Date Received: 2019-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving 6+ collection calls a day from Barclays . I did make a payment earlier this month and it stopped for a short time but a few days ago they started up again. Calls are happening anywhere from XXXX XXXX to XXXX XXXX 7 days a week. From mid XX/XX/XXXX until early XX/XX/XXXXI logged almost 200 phone calls from them. No voicemails are left just repeated calls all day long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
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: On XX/XX/2019, I was a victim of the XXXX/XXXX Card Phishing Fraud Scam. I was scammed into purchasing these cards as a help to XXXX. I immediately called the Barkclays/XXXX XXXX Master Card ( within hours of realizing I was a victim of this Fraud ) and told them to take the charges for these Cards off my credit card, as I was a fraud victim, and they now refuse to do so. On the afternoon of XX/XX/XXXX, I was called by XXXX, XXXX. The number calling ( see attachment 1 ) had XXXX logo and its telephone number. I was particularly comfortable answering this call ( as I rarely do an unknown call ) because I have been working with XXXX for a business I have started. This was a very sophisticated impersonation of XXXX as they had a calling center in the background with XXXX representatives answering questions. The woman from XXXX proceeded to tell me my XXXX Devices had been hacked and the worst thing she told me was there was XXXX XXXX on my devices which she of course told me was illegal. This so terrified me because I am a recently divorced single mother who has just opened my own business in order to support myself and my XXXX children and I couldnt imagine the ramifications of having this on my devices to myself and the business even if it was through hackers. The woman then asked about my XXXX computer, and again through an elaborate ruse of trying to have me correct the problem got herself onto my computer by asking to remotely join me on my computer. She convinced me, after letting me watch her actions on my computer, that there was only one way for XXXX to combat these codes that had been put on my computer. That was for XXXX to buy, through me, these cards which had codes on them. She assured me XXXX would reimburse me for any purchase I made for these cards but that these cards with codes on the back had to come from me. I then purchased them from various places using my Barkley credit card. ( see attachment 2 ) After every purchase I received a copy of XXXX reimbursements ( see attachment 3. ) I do not have every copy of the reimbursements because the Sheriff has some. Of course I was not buying anything in my mind-just helping XXXX. I then hung up due to my obligations with my children. After talking to my ex-husband he told me I was a victim of fraud and to call XXXX and my credit card which I did. XXXX confirmed this fraud/scam as they have known about it. In addition they told me that the information I received from the XXXX woman like telephone #, home page, XXXX Corporate Address, etc. was stolen from them. ( see attachment 4 ). On XXXX advice I called the Sheriff of my county and they came to my house ( See attachment 5 ) and later rendered their report stating I was a victim of fraud. They confirmed I should call my XXXX Card telling them not to honor those purchases because I was a victim of fraud. I told them I had already called the credit card company and done just that. Now my Barkclays/XXXX Master Card refuses to take {$9000.00} of charges off my card because they say I was not frauded and was a willing participant as well as that they had text messaged me once at XXXX XXXX on XX/XX/XXXX ( see attachment 6 ). In that text they asked me if the charge was valid and I replied it was because I was helping XXXX and was being reimbursed. That text didnt tell me I could be a victim of the XXXX/XXXX Card scam although they well knew about it. This was a card I never used so the buying of that many XXXX Cards should have alerted them to the Card scam in and of itself. They also never asked why I was making such purchases and I believe had they done so, I would have told them about my dealings with XXXX. Also attached ( see attachment 7 ) are copies of the correspondence my attorney ( who is luckily for me my father ) sent Master Card. He had to correspond with them twice because they would not talk to him without my Power of Attorney, and claimed after he sent his first Fax that he was not a real attorney as evidenced by the Power of Attorney I signed being allegedly inadequate. Finally, my father determined that while they had received the two faxes they had never read either. This was confirmed more than once to him including when he last contacted them. On that occasion, which was yesterday, XX/XX/XXXX, they claimed I had no recourse based on the false assertion provided above, and owed them {$9000.00} in card charges. Yesterday I closed my account with them, and I filed with the 3 credit agencies my dispute of these charges. I want Master Card to remove these fraudulent charges from my prior account with them. They have a duty to do so because I was a victim of fraud and they should have protected me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My complaint is against Barclays bank. What happen here is that Barclays bank is reporting a 30-day late payment this happen in XXXX 2019. The 30-day late payment is for annual fee which I was not aware I had to pay. On XXXX statement it said that I have a past due of {$40.00} because of an annual fee. First Barclays bank was supposed to be making auto payments regarding my account ( XXXX ). Second, I have a {$30000.00} credit limit with Barclays which I dont even use so that means it was not a money issue but a bank error. Third it is an annual fee which I was not even aware I was paying. I was aware of this incident because I was informed by my mortgage company telling me that I was no longer approved for a $ XXXX home loan, which is to close next week. Otherwise I will lose my {$15000.00} deposit for the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: BarclayCard cancelled my XXXX account without any warning. I have used the account recently, did not have any delinquencies and also had a rewards balance. BarclayCard will not let me view my account as this time, but I do know that I had over XXXX rewards miles that were not used as of 2018. I suspect this number is much higher now. Since BarclayCard did not notify me that they were going to cancel my account, I can only speculate that it happened because of erroneous negative information that had recently appeared on my credit report ( that has since been disputed ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Barclays reported I was 30days late and I had a balance due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92234
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX Hard Inquires XXXX XXXX XXXX , XXXX XXXX Fraud No action has been taken request removal I did not Authorize Brclysbankde Hard Inquires XXXX XXXX , XXXX XXXX XXXX Fraud No action has been taken request removal I did not Authorize XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX Fraud No action has been taken request removal I did not Authorize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received in the US Mail a credit card from Barclays VISA with XXXX Rewards that I never requested. I never filled out an application or made any purchases that included a request for a credit card. I did not activate the card. I destroyed the card. Since then I have been getting monthly statements from Barclays with {$0.00} balance due. I called Barclays to request that they close the account on XX/XX/XXXX. They refused to close the account. They said I opened the account in XX/XX/XXXX, but I have no record of any such transaction. They said my wife had initiated the account which was in my name, but then refused to accept either her or my request to close the account. I contacted credit reporting agencies, and I do see the Barclays account listed, and I also see a hard inquiry on the XXXX report from XXXX XXXX on XX/XX/XXXX which is the same date shows as the opening date for the Barclays account. I simply want Barclays to close the account, but they refused to do so and kept asking me for more and more personal information ( such as my email address, birth date and last 4 digits of my social security number ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98002
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have the inquires on my credit reports : XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX XXXX XXXX -- Inquiry from XX/XX/XXXX XXXX XXXX XXXX -- inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX -- -inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX- inquiry from XX/XX/XXXXXX/XX/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX I opened the Barclay XXXX Visa card which made my first statement balance due by XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX I signed up for automatic payments - there is no confirmation timestamp of this ; however no changes have been made since automatic payments were initially set up. Barclay 's app and website indicate " ENROLLED IN REPEAT PAYMENTS ''. The problem is, Barclay doesn't let you know the first automatic payment does not work. This lead to me incurring a late fee on XX/XX/XXXX. Upon notification of the late fee, I immediately called Barclay to make a payment and ask for the late fee to be removed and reimbursed so this would not impact my credit. On XX/XX/XXXX I received an interest charge fee associated with the previous late payment - which I was told I would not incur. The customer service rep was happy to reverse this charge and today I receive reimbursement for the full amount. Barclay 's handling of automatic payments is predatory and misleading. While customer service was quickly able to reverse the fees, I should not have to spend hours of my time on hold and speaking to them about these charges which should not occur.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
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: I would like to file a formal complaint against Barclay US and their business practices. I had two credit cards with Barclay through XXXX XXXX. On XX/XX/XXXX, I called to pay off the balance on the credit cards with Barclay then subsequently close the accounts. The Barclay representative took my payment information, transacted the payment ( {$2400.00} and {$3200.00} ), and then told me that both accounts were closed. Evidently, one of the accounts was closed but the other was left open. In XX/XX/XXXX, a charge of {$49.00} ( credit card annual fee ) was placed on the open account. I had paperless billing so received an email that a statement was available but my online access had been terminated so there was no way to access the account to see the transaction or the balance. I did not pay much attention to it since I believed the accounts had closed. I had no way of knowing that a charge was on one of the accounts. In XX/XX/XXXX, I received an email indicating that my account was seriously delinquent. I called the number on the email and found out from the Barclay representative about the XX/XX/XXXX charge AND that I had been subsequently charged {$30.00} late fees for the past six months. I explained that I did not know about the charge nor the late fees and that I did not have online access to even review the transactions. I was assured by the Barclay representative that the late fees would be adjusted. In XX/XX/XXXX, I found on my credit report that a balance ( {$310.00} ) was still outstanding and that I had delinquent notations with the Credit Bureaus for the past 8 months. I called Barclay and was told by the representative the fees that I had been told were adjusted in XX/XX/XXXX were replaced by a debit for the same amount. The Barclay representative could not explain the debit and said they could not help me any further. I requested to speak to the manager ( XXXXXXXX ) who told me that not only could he not explain the account but that the account has been referred to a collection agency and that I would have to wait a week before I could call back and pay the balance. I am furious. As a consumer, I feel that I have no power except to simply pay their ridiculous fees. Barclay failed to close the account. Barclay failed to provide adequate means of notice. Barclay told me they adjusted the fees but then subsequently put them right back on without notice or explanation. Barclay is now unable or unwilling to resolve the account. Barclay holds the health of my credit hostage and we, as consumers, have no power to affect the outcome except to simply comply with their business practices. I could hire an attorney and try to affect some change but have little confidence that it would have any affect with this giant, XXXX dollar corporation. I appeal to your agency to hold large organizations like Barclay accountable or at least keep consumers informed of others experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A