Date Received: 2018-12-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a credit card for approx. 2 years. I asked if they had a short term plan with a lower interest because I wasn't sure how our income was going to be over the next few months, because of retirement. The customer service rep in order to qualify for the plan, you have to be in arrears. I told her it wouldn't work, because I've never missed a payment.She gave me more information along with my account would be close, but after the end of 12 months it would automatically be opened up & they would lower the interest over the 12 months also. I asked her to confirm that it would definitely reopen at the end of 12 months. She said " Yes ''. I told her again that " but I didn't have any late charges. She decided that if I wanted to get on the plan, she would basically see if the company would still put me on the plan. She told me she could put me on it! I was excited, but still continued to question about my great credit!! She just basically put me on it anyway. At the time, there was nothing said about why she was able to put me on the plan, except for it would still be reopen in 12 months. We were recorded, which is what I wanted anyway..plus, my husband also heard everything, because I had the rep on speaker phone, and I told her that he was sitting right by me & could hear everything that was said! I called the company in XXXX to find out my exact date in XXXX that my acct would be reopened, because I still made all my payments on time! That's when I found out that my account was not going to reopen & the rep that put me on the plan had made it look as if I missed a payment. Thank the XXXX that I have proof from my bank draft & paper work that shows & proves that I never missed a payment. I called several times, & found out they even put my account in COLLECTIONS!!!!!!!! Then, they sent me a letter stating they were raising my interest rate even more than the original interest rate & showed that my payment would be {$100.00} ... which would be approx. {$32.00} toward principal & almost {$70.00} per month of interest & on this {$100.00} would take me 8 years to pay it off. I still can't believe they did this!! This is the employee ID for this rep ( XXXX ) No one would give me her name, or no one at the company would even discuss why this was done, but the agreed that it was the wrong thing to do with my account!! This was recorded on XX/XX/2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64155
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
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 made several attempt in the past couple months to address this matter with Barclay and have gotten frustrated either with long delays or reaching a person that did not have a strong enough command of the English language to effectively address, nor remedy these charges. On XX/XX/18 I was billed {$410.00} ... I did not make this purchase. On XX/XX/18 I was billed {$490.00} ... I did not make this purchase. On XX/XX/18 I was billed {$430.00} ... I did not make this purchase. I need this {$1300.00} returned to my bank acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I applied for a Barclays Arrival Plus card earlier this year. I was not immediately approved. In fact, it took SO LONG for Barclays to approve me, that I was back from the vacation in which I'd planned to use the card before I even received it ( 10 day vacation -- not a weekend trip ). When I was approved for the card, the value of the welcome bonus was XXXX points more than it was when I applied. Again, when I was actually approved, the welcome bonus was higher. I contacted Barclays and asked, as a ( very ) basic courtesy, if they could match the new bonus given how long it took them to actually approve me. Customer service provided zero actual service ( zero service at all on the part of one manager, 'XXXX ' ). All I'm asking is for them to honor the bonus that was available when I was FINALLY approved -- and the reason approval took so long was entirely on their end, not mine. If they'd approved me immediately this wouldn't even be a question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was closed over a year ago. However, company continues to report debt to credit bureaus as current which is negatively affecting my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2018-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I tried closing my XXXX XXXX card with Barclaycard several months ago via chat, but was unable to. I tried again today, and was informed that I won't be able to close the account and get a refund or prorated refund of my annual fee. I was informed that I would need to wait until XX/XX/2019. I was also informed that XXXX months have passed since I paid the fee, which is completely false. The fee was assessed XX/XX/XXXX. My bill was not paid until XX/XX/XXXX. It's the beginning of XX/XX/XXXX. My fee has only covered benefits of the card for XXXX months. I haven't used this card, and I receive better benefits by flying XXXX XXXX several times per month. I do not plan to use this card, and want to close it. Barclaycard will not close my account, and will not give me back at least a prorated amount of the fee or reallocate it to a different card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06840
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2018 Barclays Bank Delaware, Dear Barclays Bank, XXXX Credit Card XXXX I am member since XX/XX/2018 and I had a credit line {$3500.00} .I am maintain account good standing and I am paying bills on time. Your bank Credit line reduce up to new line of {$1000.00}. I am really disappointed and not happy done this. Please reconsider my request and granted my credit line back to {$3500.00} Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
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: My problem is with a company called Barclaycard. Their mailing address is : Barclaycard US XXXX XXXX XXXX XXXX, DE XXXX My account was hacked at least 4 times over a 2 or 3 year period. Several times the charges were from a travel agency of some sort. This information was on my statements. Every time this happened I would call them and inform them about the fraudulent charges and they would remove them from my account. Every time this happened they would cancel the card and send me a new one with a new account number. I would in turn have to notify every merchant/vendor that I used this card for payments and give them the new card number. I became weary of this process. On one occasion they removed the charge but then put it back on the same day. Once I discovered this I called and they removed the charge again. This charge was for {$1400.00}. This all occurred in XX/XX/2018. That is when they removed the charge and put it back on and removed it again. Now they say I owe {$1400.00} because the account was credited twice, which it was because they removed the charge, added it back and then removed it again. On another occasion I had some reward points to cash in but found out that the account had once again been compromised and they sent a check to someone in New Jersey. I finally got tired of the problems and obtained another credit card from another provider ( XXXX XXXX ) and I called Barclaycard to find out my final balance so I could pay it but was informed that I had a credit for around {$200.00} for which they mailed me a check. Once the check arrived I closed the account. I don't have any documents to support my claim. I closed the account in XX/XX/2018 and in XX/XX/2018 they sent me a letter saying that I still owed them {$1400.00}. I called them and the representative told me the charge was from a travel agency. I was left with the impression that this would be corrected. Now the charges all say " Barclay Rewards ''. There is no record of charges from a travel agency. When I received another letter trying to collect {$1400.00} I called them again. I have spent many, many hours on the phone trying to resolve this issue. Now they say they can't find any record of a charge from a travel agency. Now they say the charges are from " Barclay Rewards ''. I asked them to send me some statements which would have covered the period in question and there is no mention of a charge from a travel agency. The charges all say " Barclay Rewards ''. It is as if they have gone and removed all traces of the charge from a travel agency. On my last call I was transferred to a supervisor and then to a higher level supervisor who said she removed the charge and that I had a XXXX balance. I think she lied to me just to get me off the phone because she was tired of listening to me. A week or so later I received a letter saying that I still owe this money. I don't know what else to do ; If I don't pay the bill it will affect my credit report but I don't want to be bullied into paying something that I don't owe. There is something seriously wrong with this company. I have never had a credit card hacked before or since my experience with Barclaycard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: My account is blocked and I asked to close the account, they refused to close the account, asking me to send information to them ... I dont want to send them anything, I just want to close the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11542
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for an XXXX XXXX XXXX MasterCard issued through Barclays Bank on, or about, XX/XX/2018. I received a letter dated XX/XX/2018 from Barclays Bank requesting additional information ( Copies of Social Security Card, Driver 's License, and a Utility Bill in my name ) which I sent to them on XX/XX/2018. The letter from Barclays did not include any phone number that I could use to contact them. I heard nothing from them until about 2 0r 3 weeks ago, when they sent an identical letter to the first one requesting the same information I had already sent. The letter still did not contain any phone numbers for contact purposes. To date I have heard nothing more from Barclays. Today ( XX/XX/2018 ) i have tried to call Barclays from a phone I got from the Barclays internet site. They transferred me three times and no-one could help me. I have tried the phone numbers they gave me and they specifically state they have no information on application status 's of any account. My Application number is XXXX and I would like to know why they have not issued a card and why they have not contacted me if they intend not to issue a card. I think failure to notify me of why they denied credit is a violation of law ( if they have denied me ). My FICO score is over 800.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90638
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A