Date Received: 2018-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Hi, i have been checking my credit report recently and i went to the section where the hard inquires are and i have no idea what this one is. it is " Brclysbankde '' Inquiry from XX/XX/2018 Nor do i remember doing anything around that date with said merchant. My family and i have been involved with someone getting into our credit account and i think that maybe what had happened here. I have no recollection of this And i am in the process of repairing my credit and i wouldnt just " apply '' to anything, especially with a score so low. I know derogatory remarks can stay on the report for a while and i dont want this one thing that i didnt do hold me back for apply for an apartment in the summer time. I tried to contact XXXX XXXX, havent heard back. so i escalated this situation with you guys. I only ask if you can please remove the derogatory mark from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80205
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX, I opened a XXXX XXXX XXXX account with XXXX XXXX XXXX that offered a fixed rate of about 4.5-5 %. I used and held this card until the present day. I still have the card but it is no longer with XXXX XXXX XXXX, no longer a fixed rate, and currently a variable rate at 8.24 %. The credit card account is now held by Barclaycard, is an XXXX XXXX MasterCard, and is a variable rate based on the Prime. I am uncertain when the fixed rate became a variable rate and have not been provided any details as to who made this change, when it happened, or why. Although I still hold the card, I have not used this card in years. The balance is based on purchases made when it was set at a fixed rate, however, I am charged higher fees on money that was originally borrowed on a fixed rate. I have never defaulted on any payments, have always paid my balance on time, and have always paid the minimum rate or more. At some point, Barclay Bank took over my account. I called Barclay Bank in XX/XX/XXXX to ask when my terms and conditions changed with regards to my fixed rate and became a variable APR card as I noticed a significant increase in my percentage rate, and it was continuing to rise. The rate was 6.24 % on XX/XX/XXXX, then in XX/XX/XXXX became 7.24 %. The XXXX phone call notes state that a request was sent for the information of my terms and conditions that would help explain this change, but I do not recall receiving the information. I called again on XX/XX/XXXX to see about lowering my APR as it was continuing to slowly increase and to try to question again why and when the original fixed rate had changed. I also question how the bank could charge me a higher APR on money that was previously borrowed on a fixed rate. I was not given an acceptable answer. I called on XX/XX/XXXX and finally on XX/XX/XXXX. The following information includes details of this most recent phone call with both Barclaycard and XXXX XXXX XXXX banks. My first phone call was to Barclay Bank on XX/XX/XXXX. I called XXXX. Barclay claims that my card had a change in terms and conditions in XXXX. Barclay claims this took place while XXXX XXXX XXXX was still holding my account. I requested a copy of the letter that explains why my terms and conditions changed, and I was unsuccessful with this request. Barclay claims they are unable to find any information regarding terms and conditions prior to XXXX and they do not have any information regarding the previous account from XXXX XXXX XXXX. According to Barclay, it is due to this change from XXXX XXXX XXXX in my terms and conditions that my fixed rate changed to a variable rate in XX/XX/XXXX. When I asked Barclay to provide me the information as to why this change took place, who made this change, and when was I notified about it, they were not able to provide me an answer. Instead, they stated that since the terms and conditions most likely changed with XXXX XXXX XXXX, I should contact them and ask them for this information. Next, I called XXXX XXXX XXXX at XXXX and spoke with someone in the Security and Fraud department. It was communicated to me that all of my past credit card information was sent onto Barclay Bank when they took over the account and that the information I am requesting should be in the archives. She also stated that XXXX XXXX XXXX would not have changed the terms of a fixed rate card. My husband still has a credit card account from XXXX XXXX XXXX and it still holds a fixed rate of 4.5 % so I have no reason believe her statement is not true. Since XXXX XXXX XXXX does not have any information on my account any longer, the woman I was speaking with offered to contact Barclay on my behalf to explain where they should go to look for this information. I accepted this offer, she made contact, and explained to Barclay what to do. After she got off the phone, the gentleman I was speaking to from Barclay explained there was no information in archives or anything with previous account information and then made a comment that there were no terms and conditions on file what-so-ever for this card. I questioned this comment stating I currently have a card with this bank and I am looking at my most recent terms and conditions paperwork as we speak. Then he explained he has no information on my account previous to XXXX. I spent 49 minutes on this phone call alone. Based on this information, I feel like I'm getting the run around, I question if Barclay is providing false information, and I still don't understand why I am getting charged more money on money borrowed when it was purchased on a fixed rate. My husband contacted CFPB on my behalf to begin this process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 670XX
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the following point denominations spread across three versions of the Barclays XXXX Rewards Visa : XXXX XXXX XXXX Together, I should be able to redeem XXXX out of these XXXX points for an XXXX gift card. However, Barclays offers no way to combine these points. XXXXXXXX XXXX 0 % financing is only good for the first 30 days after account opening, so you are incentivized to open a new card every time you purchase an XXXX product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
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 been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10567
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 1. XXXX/XXXX - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10032
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A