Date Received: 2018-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello, How are you? I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a hard inquiry from Barclays bank on XX/XX/2018 but I haven't applied for any credit cards or loans with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2018-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). I have more than 700 credit score and I have other multiple credits cards with XXXX XXXX XXXX and XXXX. However, Barclays is repeatedly denying my application. After talking to them, they said I do not have a cell phone, so they can not accept my application. I have provided them my SSN, my full credit check and my address. They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I am not disputing money owed on the account. XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. I did not consent to enroll in paperless statements. Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. Never sent me a paper statement to address on file. Hit my credit report with a miss payment. Credit card company acted on its own behalf and did not send a bill. The paperless statement did not go to a e-mail address either. I had no ability to receive a bill. Credit card sent a credit card to my wife. My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. Late fee of XXXX is being removed. {$79.00} Annual enrollment fee is being removed and causes closure to the account,. Reference number XXXX. They were unable to remove me from paperless statement or send me a confirmation at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53213
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on ( XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My credit card company, Barclays, has repeatedly pulled my credit without my consent or authorization. Every time I ask them a question about my account, they pull my credit. They have done three hard pulls to my credit without my authorization this year. I would not ask them any questions, if I knew their intention was to do a hard pull on my credit. I want all of these hard pulls to my credit removed immediately. BarclayBank Hard Pulls XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60516
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Decreased credit limit on account that has always been current ( recently paid off ) due to unpaid student loans that have no correlation to this credit card account. Im trying to rebuild credit and I think this is an incredibly unfair practice that further punishes people who are struggling to begin with. The decrease in credit limit will negatively effect my score even though account was always current. They sent letter day before decrease so no proper notice was given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66208
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XX/XX/XXXX. My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays. I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm. This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A