Date Received: 2018-10-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently applied for a Barclays Visa card for XXXX Rewards. The main purpose for opening this application is because I wanted to buy a XXXX on 12 month finance. Shortly after my application I got an mail from Barclays asking me to call them and verify my information listed on my application. I called on XX/XX/2018 at XXXX to verify my information. They asked me for a copy of my proof of address, ID, and social security. I asked them if I gave them a copy of my passport and visa would it be okay or not, since I am here in the US on XXXX XXXX doing my XXXX at XXXX State and they said no and further said that it has to be a US passport. I am really surprised by this because this feels like discrimination against my national origin and it violates the Federal Equal Credit Opportunity Act. Please help me resolve this issue thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Barclays Bank XXXX XXXX has reported me as late in XXXX. This occurred, after multiple calls on recorded lines. I called them in XXXX to report a hardship. They set me up with an agreed upon payment plan which I met the terms to. Then they reported me as being late. When I called twice, I was told that I was reported late because I didnt make the regular psyment. Even though I paid what we agreed to they told me I should have know I would be reported late. At no time, again on a recorded line did they ever mention they would report me late. They just wanted my payment and had no intention of living up to what we agreed to as the assisted me during a hard time. After my second time on the phone trying to have the late payment removed I was told there was nothing they could do so I closed a 14 year account. Simply said, they operate in a unethical way. On other calls I had after XXXX they told me if I made a large payment I would be caught up. I did just that paying {$400.00} in a XXXX to once again be lied to as I still wasnt caught up. Thats when I canceled. I did everything they asked and each time they never stated I would be reported late until they did so. I would like the calls to be listened to from XXXX on which will prove all I say. Simply they are again very unethical as thats not how you do businsss when a 14 year customer asks for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: received letter from Barclays XXXX XXXX XXXX XXXX DE XXXX on XX/XX/2018 letter dated XX/XX/2018 letter states that they have pulled a credit report from XXXX consumer reporting agency and that the reporting agency with report they have lowered my credit limit and the reasons they give have nothing to do with being late nor information that they listed on the report. nothing has changed since i applied for credit card and also have had the credit card for years all ways paid on time no lates paid card off several times to XXXX 1.balance and they even showed the following : which i find isn't correct 2.deragatory public record or collection filed= which i have none 3.proportion of loan balances to loan amounts to high - which this card balance is higher now due to getting a cash advance to purchase home in florida 4.proportion of balances to credit limits too high on revolving accounts- this is very untrue 5.length of time accounts have been established- same amount of time on accounts with some new accounts and paid off items. in addition they lowered and pulled credit report which made score go down and they state its because of that as well. I am very concerned as to why this was done especially when i have never been late nor misused this credit card, ( my husband had barclay card as well and they sold off his account to XXXX ) so this is just really difficult to understand why after all these years and charging the card up and paying off and no lates they are lowering my credit line? and adversely affected my credit score by their decision when i haven't done anything to deserve the way they have handled this for " What Cause '' I find this is fraudulent and unfair as to their practices and card holders are ones that suffer the consequences of having a card with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I applied for a Barclay Business Aviator Credit card in XX/XX/XXXX. Over the course of a few weeks I was told more information was needed and was sent two conflicts letters on the same day asking for different types of information. I sent in information and called to confirm that it was received. I was told the card was approved, but then I was sent a letter of declination. I then called and they confirmed that it was an error by a representative and verbally approved again, and follows up with a letter and e-mail on XX/XX/XXXX. I was told I would get a card in 7-10 days. I did not. On XX/XX/XXXX I called to complain that I did not receive a card, and see if another incompetent barlcaycard representative had made a mistake. I was told a new card was received on XX/XX/XXXX. I stated that I did not receive a card and explained that all my mail is scanned by USPS and no such envelope reached XXXX, OR. After about 9 telephone calls and numerous hangups and over 4 hours on the phone I still have not had the issue resolved. Every call I am told I need to speak to someone else, and put on hold. The representatives tell me conflicting information and keep making me run in circles without resolving the issue. I was told that my card was used for cash advances in Georgia, where I am not, and where I have never used a cash advance. I was also told that they could not help me because the phone number they have on file is different, and they could not check my original number in my application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I have 2 accounts with Barclays Bank, A Juniper MasterCard which has been opened since XXXX or so and a XXXX Mastercard which has been opened since XXXX or so. My credit limit for Barclays was {$6700.00} whereas XXXX credit limit was {$8200.00}. Barclays solicits me to borrow money whether through balance transfer or convenience check with an interest free period of 12-15 months because of my credit. In the case of each of these cards, the moment I take advantage of either of these offers, my credit lines are reduced to the balance plus approximately {$200.00} of available credit, which negatively impacts my credit score because of the credit line utilization. For the XXXX Card, I utilized a balance transfer offer of {$3000.00} on XX/XX/XXXX and {$2300.00} on XX/XX/XXXX ( Exhibit 1 and Exhibit 2 ). My credit line was {$8200.00}. I received a notice dated XX/XX/XXXX stating my credit limit was being reduced to {$5400.00} based on serious delinquency, which was a 30 day rating from XXXX that was on my credit report when Barclays extended me credit and length of time accounts established ( Exhibit 3 ). Key note, my credit line was increased to {$8200.00} due to my outstanding credit history with Barclays. I contacted Barclays notifying them of the error in their decision and they did nothing in XX/XX/XXXX. I received a subsequent credit line reduction letter XX/XX/XXXX ( Exhibit 4 ) that my credit line was reduced to {$4400.00} AFTER i was I was continually solicited for balance transfer offers. The Barclays Juniper MasterCard shows a pattern of deceptive and predatory lending. In XXXX or XX/XX/XXXX, I filed a complaint with the CFPB regarding Barclays practice of reducing credit lines after a customer borrows money interest free ( Exhibit 5 ). Barclays addressed this complaint by correcting my credit limit. My credit limit was decreased to {$5000.00} then taken back to the the credit limit of {$6500.00} after the complaint. Barclays Juniper MasterCard has been soliciting me to take advantage of balance transfer offers through XX/XX/XXXX ( Exhibit 6 ). I took advantage of the balance transfer offer XX/XX/XXXX borrowing {$6000.00} interest free against my credit line of {$6700.00} ( increase in credit line due to my outstanding credit history - see Exhibit 5 ). I received a notice dated XX/XX/XXXX indicating my credit line was cut to {$6200.00}, {$200.00} above balance ( Exhibit 7 ). I contacted Barclays on both accounts XX/XX/XXXX. XXXX, an escalations manager from Barclays with no direct line, contacted me @ XXXX on XX/XX/XXXX to inform me Barclays performs the review systemically and with human eyes and refused to acknowledge the deceptive practices of soliciting consumers to utilize interest free balance transfers then cutting the consumers credit line to balance + {$200.00} as well as the contributions to a negative credit reporting for credit limit utilization. Barclays rewards me with credit line increases, interest free balance transfers then penalizes me for taking advantage of the offers. I have revolving credit lines totaling approxmately {$150000.00} with a 17 % credit line usage and my credit lines have been cut because of Barclays scoring, model errors and human eyes which are not consistent with other lenders. In fact, Barclays avoided issues in XXXX by correcting the scoring error when i notified the CFPB regarding the rationale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a lot of hard inquiries that I didn't give permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX I received a {$920.00} check from Barclays Bank Delaware, Credit Card. The check was not cashed. I have had a balance on this account for the past XXXX XXXX years. I never received a letter of the credit balance or an offer to add it to my account to reduce the outstanding balance. I paid the account off XX/XX/XXXX, when I received my statement in XXXX, it said I have a credit balance of {$220.00}. Afterwards I received an overpayment issue letter for uncashed check number XXXX from XXXX XXXX, ( XXXX ) XXXX dated XX/XX/XXXX for the {$920.00}. I requested for the {$920.00} credit to be added to the {$220.00} and receive one check. I was denied the {$920.00} balance and was given the {$220.00}. My problem is, I do not appreciate the card company holding my credit balance since XXXX. The company waited until my account was paid in full to inform me about the {$920.00} credit. After receiving the {$220.00} on XX/XX/XXXX, I called to check my balance, I began to hear I have a credit balance of {$920.00}. I spoke with a representative on XX/XX/XXXX, and was told a check had not been released. As of XX/XX/XXXX, I have not received the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
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 disputed a charge of {$520.00} from a vendor that rented me an apartment for a vacation rental. Barclays has never addressed the points of my dispute. Instead that just keep saying they can't override the vendor terms and conditions that I agreed to. But, they have never provided proof that I agreed to the terms and conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In the year 2013 my identity was stolen, unbeknownst to me, someone used my government issued social security number to obtain goods and services using my personal information. this theft begin to take place while I resided at XXXX XXXX XXXX XXXX. I have sent notification of the invalidity of these debts to this company along with my tax return showing where I was residing when the account was opened ( copies attached ) via certified mail as advised by my council A COPY OF THESE REQUEST AND FILES HAVE ALSO BEEN SUBMITTED TO EACH CREDIT BUREAU VIA CERTIFIED MAIL AND SECURED FAX, I have sought council and gathered all the information, reports and followed the law in order to take the necessary steps to restore my good name, HOWEVER THIS COMPANY continues to report this invalid fraudulent account. I have attached the ID THEFT packet again with my police report, proof of address when account was opened and my proof of identity account # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60540
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Specific credit criteria for the cards range of offered interest rates was never provided in violation of federal laws. The highest rate was applied. The letters sent too late and only after a cfpb complaint # XXXX were addressed to another person. The barclays website 1. showed a higher FICO at the time of the account opening and also 2. a fake fico and fake credit report reasons was sent along with the erroneously addressed document from barclays responding to the original cfpb complaint. Theres no possible way any of those reasons belonged to me NOR would they result in a score as high as XXXX. My score was nearly 760 at the time of my application. No legal action or penalties have been levied against barclays for this rate scam and subsequent violation of federal laws. See also XXXX See attached screencaps of docs sent and score from barclays website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A