Date Received: 2018-10-31
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: DISPUTED ACCOUNTS : Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-31
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33809
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
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 purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on flight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 665XX
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I opened an account with XXXX XXXX XXXX in XXXX. I was charged a {$95.00} annual fee for the card in XX/XX/XXXX for the following program year to XX/XX/XXXX. Barclay 's advertised as one of the key selling points of the card that spending to a certain threshold would yield an equivalent {$3000.00} credit with their co-brand partner, XXXX XXXX. In good faith, I paid the annual fee to Barclays in XX/XX/XXXX and began charging spend to the card to reach my goal by year-end. Less than 3 months later, they have removed this benefit with no consideration for the year I have paid a fee. Barclay 's refuses to refund any portion of my annual fee while I am attempting to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I realized I had a {$40.00} balance charged into my account as an annual fee. At this time, Barclays had not notified me of any pending balance in my account. I have not received statements on email, mail, mobile app, or text message as a notification of a balance due. On XX/XX/XXXX, I talked to Collections agent at Barclays # XXXX whom I asked about my email and she said that it was incorrect. Barclays has an XXXX email that I have not used since XX/XX/XXXX. This person was very rude to me as she interrupted me and would not let me explain correctly that this balance was an annual fee and not revolving credit. I had paid off this account before an annual charge of {$40.00} was put on my account. On this date of XX/XX/XXXX, I had to hang up the phone because I was driving and this balance had not been reported to the credit bureaus yet. I also paid the {$40.00} annual fee on this date. On the next day, credit-reporting agencies had notified me of a negative mark saying I missed payment. I believe that Agent XXXX submitted a request to an internal department at Barclays to report me as delinquent. At this point Barclays had not given me, nor this agent, the chance to pay off the annual fee of {$40.00} without reporting a negative mark to the credit bureaus. I am complaining against this agent and to Barclays for not notifying me or giving me the chance to pay this annual fee on time. Agent XXXX was rude to me, interrupted me during our conversation, and talked back as if I was nothing. Barclays customer service practice is detrimental to clients and average people like myself. I believe this agent, in retaliation, submitted a request to report a negative mark to my credit report without explaining the policies or providing me information so that I could understand the process not receiving statements or notifications via web, email, mobile app, text message, or phone call. This practice is one that most banks are good at except that Barclays do not seem to care about clients and customer service agents like XXXX are allowed to be verbally and mentally abusive. I called today XX/XX/XXXX and spoke to XXXX, agent # XXXX, and she stated that I could send this letter by fax or email. After she reviewed my account she stated on a recorded line that Barclays does not have a fax number to receive an FCRA Dispute Letter. That it can only be received by mail. Again, it feels like I am being misdirected to disputing this as a way to slowdown the process or prevent a person with XXXX from being able to do this on a timely fashion. It is also costing money and time to send a mailing letter. I am concerned that for immediate disputed there is no fax number. I have been on work XXXX since XX/XX/XXXX due to several acute conditions arising from XXXX XXXX XXXX surgeries that I can provide documentation for. I have been under the care of XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX at the XXXX XXXX XXXX XXXX for these condition since XX/XX/XXXX. I have strict limitations from going online and looking at a computer monitor since I am highly susceptible to XXXX XXXX and might triggered XXXX XXXX I am still on XXXX and was on XXXX on the dates of this incident. At this time, I am requesting to remove all negative marks from missed payment reported on XX/XX/XXXX. I had paid off this balance on XX/XX/XXXX. Please remove all negative at all major credit bureaus including but not limited to XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2018-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A