Date Received: 2019-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89509
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ). As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm. Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP. I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information. Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice. When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's. I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back. Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX. Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards. Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Recently my husband and I attempted to refinance our current mortgage to take advantage of more attractive loan terms. During the mortgage application process, I was shocked to learn that I have a balance of {$50.00} reported as bad debt from Barclaycard, a credit card account that we have kept open for emergencies but used very infrequently and not in many months. As a result of the actions of Barclaycard described in detail below, my FICO credit score has been significantly degraded to [ 630? ] and am no longer eligible for favorable lending terms, in addition to damaging my credit for years to come, causing me and my family significant financial harm. Barclaycard US has engaged in unfair and deceptive activity regarding their paperless online enrollment and statement delivery, by : ( 1 ) enrolling me in paperless statements without my consent, ( 2 ) failing to deliver a required monthly billing statement or email notification to me, and ( 3 ) failing to alert me that I owed a small balance and allowing it to be written off as bad debt without any notice whatsoever. When I discovered the adverse credit report on XX/XX/XXXX, I immediately called Barclaycard. My call was escalated up to Tier 3 manager. During this phone call I was told that my account had been a paperless account so no statement reflecting this small balance was ever sent, nor could I access it online. I was also told that the bank had reported this derogatory information to all major credit reporting agencies without any notice to me of the amount owed. Both of these facts were shocking and a complete surprise to me. It is important to note : 1. I received no statement or email. While delinquent, I received NO account statement by mail or email. Barclaycard claims thats because I was paperless. They also claim they are unable to verify that I did or did not access my online account to retrieve monthly statements ( which I did not ). 2. I did not consent to paperless statements. I prefer to receive all of my bills by mail. Any change to suppress statements was done without my consent and my knowledge. I also did not share my online account password so it is not possible that this election could have been made by anyone other than the bank. 3. No collections or notice. While delinquent I received no collections letters, nor any phone calls advising me of the existence of this small balance owed. Had I known about it, I would have promptly paid it. I am a mother of 2 and high school teacher on a limited budget, try to instill in my students and my daughters a sense of pride with handling credit appropriately, as my account record will reflect ( up until now, that is ). My FICO score hit as a result of these unfair practices by the bank may not see m significant to the banking execs at Barclaycard, but I can not imagine the financial harm that it will cause me and my family. As I have paid the debt when I became aware of it last week, I request that the bank immediately correct my credit score reporting through a customer service account reage, or remove my account from credit reporting altogether. Additionally, there should be an investigation into the manner in which Barclaycard enrolls its customers into paperless statements without consent, and then does nothing to follow-up to verify if statements have actually been received and opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/XXXX ( my due date ) at XXXX, I made a payment of {$80.00} on my card. I was still charged a late charge and when I called the credit card company, I was told that their cutoff time for payments received was XXXX and that therefore, I would incur a late fee of {$37.00}. I wrote to the credit card company to have them waive this fee and was told that because they had already waived a late fee back in XX/XX/2018, they would be unable to waive the fee. I told them that the usual cutoff fee is XXXX of the payment due date, not XXXX. I work late hours and am struggling to make payments so I think the least they could do, being that I have been a customer for years, is to waive the late fee as I did make the payment on the due date, but after XXXX. Also, I called them today ( XX/XX/XXXX ) and spoke with both a representative and a manager to try and extend the due date ( courtesy extension ) of 1 more day until tomorrow since I get paid on Fridays and they would not extend the due date at all. All they want are the late fees assessed. This is very unfair practice of them. This is a XXXX XXXX issued by BarclaycardUS.com. On their website, they have the following disclosure : " Pending payments can be modified or cancelled up to XXXX XXXX ET on the scheduled payment date. Same day payments made between XXXX XXXX ET and XXXX XXXX ET can be modified or cancelled up to XXXX XXXX ET that same day. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize BARCLAYS BANK DELAWARE to review my credit report. I have a extend fraud alert on my credit reports. BARCLAYS BANK DELAWARE did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
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 have found this consumer protection website while researching the internet fraud and I wanted to raise an issue to the attention of this agency. Last year I had a depressing year after finding many many transactions not authorized by myself or my authorized user all across a 3 month period on my statements once I began to see a significant increase in my monthly statements due. sorry, I dont meticulously watch every transaction each month and I spend a lot some months and less other so it went under my radar. I am just simply shocked and frustrated that Barclay has not called me back after I disputed these transactions months ago! I spoke to 3 agents while on the phone for hours and had my authorized users card closed and mine replaced for security. I went thru 2 fraud departments between my two credit cards with Barclay one by one listing the fraudulent charges, mostly foreign ones. After nearly 2 hours on the phone documenting everything with multiple agents I made sure the investigation was initiated and I was told it was and I was told I would receive mail regarding this and confirming the dispute and also phone calls with further questions and eventually a phone call to discuss the outcome and how my accounts would be credited and yet I have NEVER received a single piece of letter in the mail or a single phone call from anyone at Barclay regarding either my rewards card or my XXXX card. I love my Barclay cards and these are the ONLY cards I use and I am so disappointed and I feel like they have abandoned me, my issue and are simply hoping I don't say anything so that the insane amount of fraudulent transactions and foreign transaction fees stay as they were as opposed to rightly refunded to me. I am in XXXX XXXX and I have so much anxiety because I have had no resolution, refund or communication from Barclays. I called a few times with no luck getting in touch with the departments responsible. Once I was told the department was closed because it was a weekend and another time I called and was transferred to the fraud/dispute department and had to hang up after being on hold for over 47 minutes! I truly feel scared that my money is not going to be refunded to me and I am still paying astronomical interest on these fraudulent transactions and it has been so hard! The worst part is that my credit is extremely damaged by this because it is over {$11000.00} in charges, fees and added interest. My debt is so high because of this that it tanked my credit score and the balances are so high that my FICO shows I am at extremely high usage which also hurt my score. I just dont understand how and why they have not followed up me or have not cleared the 8 transactions I went over with them. I was told that two were accidentally certified somehow and even though I am sad that I cant include those I understand. But, I would like for those to be included as well because authorized users cards and information was compromised and we are not sure how these transactions became verified and can not confirm by whom. I was told by the XXXX side of things that since the cards were closed it would be tricky to reverse the transactions on the cards because they no longer exists but I cant imagine what the hold up is because I am still a customer, I continue to make payments and the balances are still there on the new cards. Why not reverse them there? I am reluctant to pay large payments because it is not my responsibility to pay for these fraudulent charges and yet here I am paying them each month. Please, can someone help me!? I once received a call and I felt like I was on 3 way with a man and a woman. A man called me but before I said Hello I heard a woman speaking to him. I dont understand why but I feel as though this was a set up and I felt cornered and I had no clue what this person was talking about. This person spoke my name and talked about knowing me and me having an account with his company. I asked that man where he got my number and he he had no answer. I asked how he knew my name and still nothing. I asked him to leave me alone and never call me back. Did someone at Barclay give this person my information and ask them to call me and question me? How did this person know me? What was his business and what are all of these bogus electronics store and car part transactions form over sees? My concern is that these transactions are fraud, fake business and unusual transactions codes. I googled each and every one of them and all ways pointed to frauds and scams. Obviously these are not accurate and fake and I would expect Barclays to have NO issue getting their money back from these scam terminals in XXXX, so why am I suffering!? Why am I being ignored and my rights to dispute and an investigation ignored? literally it has been over 9 months already and NOTHING! As if nothing was ever disputed! Please PLEASEEEE reverse these fraudulent charges! Please I want the CFPB to have access to my phone calls where I spoke for hours with your fraud departments and listed and discussed each and every charge. I am so worried
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Again today my payment of {$1000.00} is being held. I call number and always get voicemail and no one returns my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A