Date Received: 2018-10-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays reported a late payment which is negatively affecting my credit score. This was one a rarely used credit card with electronic billing and was used in error. Once informed of the late payment, it was paid within 6 hours. With over 25 years of credit history, my report has always been at the highest level and covers $ 100s of thousands of issued credit. The charge was for {$270.00}. I asked the bank to re-consider the credit reporting as the lengthy impact to my credit is not commensurate with the level of infraction. My request is that the late payment is pulled from the credit agencies. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. As well two other inquiries from XXXX on XX/XX/2018 they number is XXXX. Brclysbankde on XX/XX/2018 did an inquiry without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter on XX/XX/2018 that Barclays bank closed my 2 person cards due to " your history of account usage '' Multiple calls to the bank has yielded no explanation as to what I had done wrong, and why exactly my accounts were closed. I have been a loyal upstanding customer with no missed payments, and have been wrongfully shut down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: When looking over my credit report I was shocked to see a late payment on XX/XX/2015. Being that I always make my payments to you when I receive my statements, I don't even know how this happened. My only thought is that it got lost in the mail somehow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: XX/XX/18 I applied to a web page that pop up on XXXX that if I applied for this credit card I would get {$100.00} of a flight that I was booking. I applied and was approved with a credit limit of {$6800.00}. than the screen went black. I called the company and asked how will I know that the XXXX went through the representative said it will show up on your first bill. A few days later I call the company again Barclay and was asking about the charge for the tickets and about the {$100.00} credit. The rep said there wasnt any charges on this account. I said well I received confirmation of the flight how did I get the tickets if it isnt on the charge. Rep said he didnt know. I hung up and was trying to figured out what happened and thought maybe they charged my XXXX XXXX Card. Sure enough when I called the charge was put on my XXXX XXXX Card. When I called Barclay about the XXXX that I was suppose to get on the tickets he said I need to make a purchase again and they would apply the XXXX. I told him the whole purpose of me applying for the card was to get the {$100.00} off the tickets that I purchased on XX/XX/18. He said there wasnt anything he could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48911
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
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 paid for merchandise in XX/XX/2018 that was never recieceived. My credit card company originally credited my account, but in XX/XX/XXXX took that credit back. I tried to close my account but they refuse to close it, so late fees and interest continue to pile up on top of the fraudulent charge previously mentioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90068
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: CFPB : receive monthly social security check and pay bills monthly, however never received bill from barclay card for XX/XX/XXXX but I have received several this week saying credit account is delinquent, The state will be forward to you via US mail. we are concern because you recent ruled with a matter with XXXX XXXX where I was the beneficiary of wife 's account and your tried to rule in favor of no custodial party which we have seen quite often with the ruling authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Based on a credit card agreement with Barclays XXXX XXXX credit card I should have received 2 companion tickets for XXXX XXXX for spending more than {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. I emailed Barclays on XX/XX/XXXX inquiring as to when I would receive them. To my knowledge they didn't respond until I received a letter from Barclays dated XX/XX/XXXX stating they couldn't help me. On XX/XX/XXXX I called and reported the issue again and they provided me with an incident number XXXXXXXX stating there was an issue with the website and that it would be corrected. I received another letter dated XX/XX/XXXX stating yet again that they couldn't help me. On XX/XX/XXXX I called and was provided a case number XXXX and was told they were trying to resolve the issue. On XX/XX/XXXX I called and still nothing had changed. On XX/XX/XXXX they called me to say they were working on it. I then receive a 3rd letter dated XX/XX/XXXX they couldn't help me. On XX/XX/XXXX I called them and told them I was going to discontinue using the card ( even though I was well on my way to supposedly receiving 2 more companion tickets ) because I was paying them for a benefit that they were not honoring. I told them on XX/XX/XXXX I would file a complaint with CFPB. On XX/XX/XXXX and on XX/XX/XXXX they called to say they were working on it. Today is XX/XX/XXXX and I have heard nothing else from them. I'm certain if I didn't honor my end of the agreement to pay them for my charges on the card that I would be turned over to a collection agency and my credit destroyed. Thus, you're my only hope at making them honor the original agreement. Happy to answer any additional questions. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27030
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my account and yet this company is send me statements saying I am late in paying my annual fee on a closed account. This account was closed last year but they failed to close and I had to call again. They stated they would reverse the charge that it now affecting my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A