Date Received: 2018-08-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist. On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls. On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018. On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
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: Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. Thank you so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was changed an annual fee in XX/XX/XXXX ( approx. {$490.00} ) and Barclays closed my card in XX/XX/XXXX. I requested my annual fee be prorated since I am no longer eligible to use the benefits associated with membership but was denied. I spoke with XXXX ( XXXX ) who was a manager who refused to prorate the membership fee. I was told this was described in the terms and conditions but have been unable to locate the passage. I feel this is an unethical practice by Barclays, is very misleading, and may break consumer laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I opened a barclays credit card a few years ago through XXXX XXXX and my account was closed at my request I think two years ago. Since then Barclayscard will not permit me to pay my bill online. I am required to mail or phone in a payment method. I have had issues paying my overall credit debt so I have obtained services from XXXX XXXX XXXX. When they reached out to Barclays I was denied to be put on the program. I had to call BarclaysCard 10 times until they would give me a straight answer and kept trying to get me to use their approved list of credit counseling programs. They also told me my account will need to be at least 3 months behind to get offers and to be on credit counseling -- this is not good!! They want me to go behind and hurt my credit scores. The collection department stated I couldn't be on a program because I missed payments. I was asked for the 10th time to enroll in their own program paying $ XXXX/month. This is such an unfair business practice to have. They do this on purpose so you miss payments and have to pay extra fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
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 received a call from " XXXX '' XXXX ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A