Date Received: 2018-11-24
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Subject : Dispute fraudulent charge on a card closed for over 2 years and fix credit report ASAP Case details : a ) Card Issuer : BARCLAYS BANK DELAWARE b ) Account id : XXXX c ) Last 4 of card number : XXXX d ) Type of Card : XXXX XXXXr MasterCard e ) Card Closed on XXXX XX/XX/XXXX f ) Unauthorized charge details $ Amount : {$100.00} + late fees Merchant : XXXX XXXX date : XX/XX/XXXX ( after 2 years of closing the card ) g ) Reported to Barclays agent : XXXX. Barclays refused to give me a case number I need help urgently. I closed my Barclays card on XXXX XX/XX/XXXX. My account was in good standing and I have paid on time as you can see from my past record. As I was applying for home loan, I was told that there is late charge on my credit history and my credit score is down by XXXX points. Now I am not getting Home loan. I am surprised that a card that was closed in XX/XX/XXXX can be charged in XX/XX/XXXX two year later by a merchant for a new transaction. This is a clear breach of trust and miss on Barclays fraud system. This was reported to card bureau as overdue by 30 59 days without giving me sufficient notice to dispute this charge. I also got repeated calls ( at inconvenient times ) from XXXX XXXX XXXX claiming to be calling for Barclays. This has negatively impacted me and my family and created mental and emotional stress. I request you to a ) Please help close my Barclays Account and all cards associated with it I thought I already did this. Please ensure no merchant can charge my CLOSED card. b ) I request you to please get my record corrected with the Card Bureau ASAP I need my score back and have to cancel my home buying plans c ) I would also request compensation for the stress and challenges it has created for me. d ) I would also like you to fix the Bank system, which I am sure has impacted other customers and will continue to impact more in future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95132
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Between XX/XX/2018 and XX/XX/2018, my identity was stolen and this person ( s ) attempted to open several new store credit cards as well as use my existing credit cards to make approximately {$20000.00} in unauthorized purchases at retailers including XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXt and the XXXX XXXX. I have worked with all the retailers to remove the unauthorized purchases, however, Barclay 's bank has dismissed my fraud claim and insists the account opened for an XXXX XXXX purchase in the amount of {$3400.00} is valid. When I became aware of the fraudulent activity, I immediately contacted Barclay 's bank, which was around midnight of XX/XX/2018. Instead of reporting the account as fraud, the Barclay 's representative closed out the account with NO ACTION. Several weeks later, I received a call from Barclay 's due to a " late fee '' on this account. I spoke to a Barclay 's representative and explained the account was fraud, and they informed me they would conduct an investigation. Several weeks later, I received notification that " the investigation '' concluded that I was liable for the account. I asked for the proof and explanation as to how they came to this conclusion. I reiterated that I am a victim of identity theft. The other unauthorized purchases were made in the XXXX XXXX area as well. They refused to provide the information and insisted I file a police report. I informed the representative that I was unable to do so because the police wanted to know the location of the crime, date, person, etc. which I do not have the information for. I reached out to XXXX XXXX on XX/XX/2018, at Barclay 's bank, who referred me to the Office of the President. I was assured my claim would be investigated. Several weeks later, on XX/XX/2018, the representative from the Office of the President, XXXX XXXX informed me that the account is valid and I am liable for it. I again asked for the proof, including the date of the purchase, but she was unable to provide. The " proof '' is that the XXXX XXXX is within 40 miles of my home so it is feasible that I made the purchase. She discounted the fact that there are several other XXXX XXXX much closer to me, including one that is less than 10 miles from my house and that I had my identity stolen. She was unable to provide me with a date or anything substantial from the investigation so that I have an opportunity to dispute. The representative from the Office of the President, XXXX told me she would call me back with the date of purchase, but that was on XX/XX/2018, and I have not heard from anyone since. I reached back out to XXXX XXXX, Head of Corporate Communications, at Barclay 's on XX/XX/2018, and he informed me he would forward the request to Customer Service. Not surprisingly, I have not heard from anyone at Barclay 's. Meanwhile, Barclay 's is reporting this account as a delinquency on my credit report, dropping my score hundreds of points as each month goes by. I am reporting the unethical behavior by Barclay 's in ignoring my fraud claim and not properly investigating it. I initially reported the fraud early XXXX, and instead of initiating a timely and thorough investigation, Barclay 's closed the account. It has been 3 months and Barclay 's has not properly investigated this fraud claim. I have spent countless hours providing them with the documentation and had several discussions to verify my fraud claim which they have chosen to ignore. Barclay 's egregious and unethical behavior must be made known to consumers. They should not be allowed to bully me and harass me into paying for an account that I did not authorize or open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11222
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 608XX
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-17
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2018-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A