Date Received: 2018-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX Brclysbank de apply Pulled my credit report I didnt apply for this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear CFPB, This complaint concerns Barclaycard 's refusal to satisfactorily resolve fraudulent charges that were made to my credit card account in XXXX and XX/XX/2017. I have attached the letter that I sent to Barclaycard to describe the issue and to request resolution. Instead, Barclaycard has hounded me for the past year, plus.. When I refused to pay the fraudulent charges, Barclaycard reported me to the credit reporting agencies as having a delinquent account. This was after I had closed the account. It has lowered my credit score from over 750 to under 680, which has cost me addiitonal financing costs due to the lower credit score. Still unsatisfied, Barclaycard has now threatened to file a lawsuit against me. Please make them stop! Here is what happened : I logged on to the Barclaycard web site in late XX/XX/2017 to make my regularly scheduled payment on my promotional balance. I had opened the Barclaycard as a promotional card to purchase two XXXX computers. For that, I was promised special financing in doing so. There were no other authorized charges on the Account. Thus, I was shocked and horrified to find thousands of dollars of charges over XXXX charges to XXXX XXXX. I immediately called Barclaycard and reported the charges as fraudulent. I recall the Barclaycard representative accessing the Account, reviewing the charges, and agreeing that they looked fraudulent based on my usage history. That same day, I went to the Barclaycard web site, filed a written report to the same effect, and paid the remaining authorized balance. Shortly thereafter, Barclaycard closed the Account and I lost access to the all of the charges. I received a letter from Barclaycard dated XX/XX/2017 and assumed Barclaycard had attended to investigating and resolving the matter. Sometime later, in XX/XX/2017, I began to receive robo calls from Barclaycard. I spoke with XXXX of Barclaycards Fraud Investigation team on XX/XX/2017. I reported the fraudulent charges to XXXX, and he assured me that he would get the matter concluded. Then I received another letter from Barclaycard dated XX/XX/2017, concerned some account ending in XXXX ( the Unauthorized Account ). I have never applied for the Unauthorized Account nor do I have any knowledge of how it came to be or how there has come to be a balance of XXXX. Since I received the XX/XX/2017 letter, however, I began to receive a daily barrage of robo calls notifying me of a balance due. Each time that I returned the calls, the customer service representative would tell me they were authorized to do one and only one thing take payments. They refused to discuss the charges, reported that they lack access to information in Barclays computer systems about them, and were unable to transfer the call to anyone who can. Again, all the representatives of Barclaycard said they could do was to take payments. I would like barclaycard to stop collection activity, close my account, and send a report to the credit reporting agencies that restores my credit rating to what it was before Barclaycard damaged it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Synopsis : Barclays has negatively impacted my credit score by reporting I have missed payments twice in a row. However, these missed payments were due to their auto-pay system and customer service agent error. Timeline of events : > XX/XX/2018 * Setup Auto-Pay & received email verification. Nowhere did it state that auto-pay takes one full billing cycle to take effect. > XX/XX/2018 * 1st missed payment due to crooked Barclays misleading auto-pay system > XX/XX/2018 * When I realized the auto-pay didn't work, I called crooked Barclays to dispute 1st missed payment which brought my credit score down almost 100 points. * Barclay customer support agent credited late fee back, cancelled auto payment and posted payment of {$60.00}. * She assured that my auto payment for XX/XX/XXXX would come out automatically. > XX/XX/2018 * Payment of {$60.00} posted. > XX/XX/2018 * Auto-pay for XX/XX/XXXX should have come out but did not due to being cancelled by Barclays customer support agent on XX/XX/XXXX. > XX/XX/2018 * Called crooked Barclays to dispute 2nd missed payment * Spoke with a supervisor from crooked Barclays. She told me that the late fee would be credited on my next statement and that she would file a formal complaint so that my credit score would not be affected adversely again and also so this would not happen again since it was an agent error. * She said the auto payment of {$50.00} was setup now to come out on XX/XX/2018. Conclusion : I do not trust Barclays nor do I feel anyone should after what I've been through. I appreciate the supervisors assistance, however, I do not want to sit by and this happen again. I'd rather have this documented and also allow others to be aware of this crooked credit card company. I intend to pay this iPad off very soon and be done with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37323
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: During my flight on XX/XX/2018, XXXX XXXX was offering XXXX XXXX Barclay credit card and I signed up them because it appeared to be a great offer. When I received the card I completed the steps to activate the credit card and I thought that the mileages will be issued automatically. Soon after in one of the promotion emails they sort of offered to reward about 20,000-30,000 miles just for making a {$20.00} purchase at a restaurant and they provided a list of restaurants. I don't eat out a lot, so I just overlooked the offer as a spam and went on with my life. At that time what was not clearly indicated was that the credit card as {$95.00} fee accrued upon activation and requires additional activation i.e. eating at a restaurant within a specific period to obtain the total reward of approximately 60,000 miles offered initially during the fight. This was in my view a very deceptive promotion, because they just made it look like the mileages were being offered just for signing up for the card with no strings attached. The only time that I knew that there was an issue is when my credit monitoring service indicated that there was an activity in my account. I immediately made the payment of {$95.00} to close the issue on XX/XX/2018. Then when planning my next trip in XX/XX/2018, I realized that I couldn't use my mileage because XXXX miles were not granted to me because I did not eat at a restaurant ( make a purchase ) to activate. Furthermore, the credit card was not activated ( as they say ) due to security issue. Then I learned that by that they meant I did not set a 4-digit security code and the credit card was suspended because of that soon after I received the card. I talked to them at length in XX/XX/2018 ( multiple lengthy calls ) explaining what had happened as outlined above, but they keep transferring me from on department to the other to explain the issue all over again. I have talked to XXXX XXXX, XXXX, and Barclay at length. Finally, I learned that the issue was with Barclay. Even after asking them to close the credit card because I did not appreciate their misleading promotion, they promised that they'll have someone review the case and see if they can grant me the XXXX miles because of the security hold on their part, which I was not aware of in addition to {$95.00} fee and requirement to purchase to activate card. I just received a letter from Barclay stating they are unable to assist with the reward issues. In addition to their misleading promotion, they were quick to put damage on my credit score but slow to report resolution. My credit score went from about 850 to XXXX just because of the {$95.00} fee. When I last checked my credit score it also shows that the dept is still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2018-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a settlement for an account with a creditor in XX/XX/2018 and made one payment in XX/XX/XXXX and the next 2 payments were due on XX/XX/XXXX and XX/XX/XXXX. I called to make XX/XX/XXXX 's payment and was told the account was written off by error. I was told it would be reinstated within 48 hours and to call back. When I called back on XX/XX/XXXX I was advised that I had to mail the payments in. I received a letter in the mail XX/XX/2018 from a collection agency trying to collect on this account that has been charged off. I also noticed on XX/XX/XXXX that the charge off was on my credit report. I am confused concerning what my rights are in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2018-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-11
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 have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2018-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: At the end of last year ( XX/XX/2017 ) I noticed that there were a lot of incorrect notations and fraudulent accounts I never authorized. I attempted to pay a credit repair agency {$500.00} to help clear the errors but they have been unsuccessful thus far. They sent out a round of letters to the bureaus but the return response was inconclusive to my knowledge. My score is still terrible and I'm out of {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
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 have been a cuistomer here a good one for years 2 accounts. no problems til now on XXXX i treated family and a friend to outback in XXXX XXXX out of XXXX got sick from XXXX XXXX. i did call restaurant although i was travelling and busy. no response. this bank has the audacity to tell me i consumed the food and thus have no recourse. how riidiculous is this. how would i know it would be bad? i have never heard such an excuse before and i have been victim of XXXX XXXX before. i want my money back i did call restaurant and email the company no response. i expect 40 out of 53 refunded asap how dare you. this is my jet blue card. in their answers they tell me dispute is closed. any other bank would have fought it and or refunded me. I will not let this go and know its wrong. I am being punished for us getting sick and i wont allow it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2017 XXXX reported unrecognized hard inquiry on my XXXX credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Barclays bank sent me notification that I am to appear in court about a debt they allege that I owe. I was contacted on XX/XX/XXXX from XXXX XXXX XXXX states the debt had been sold to them & they were to collect this debt. I contacted CFPB about this company and the letter that they sent, the company responded saying they did not send the letter but I have a copy attached. In the prior complaint Unifund then stated that they have this debt in their possession & I am now owing them the debt from Barclay 's Bank. I contacted Barclay 's @ XXXX on XXXX I spoke with XXXX agent XXXX states that there is no acount there for me, XXXX agent XXXX states there is no account for me & no manager for me to speak with, XXXX XXXX XXXX she states no manager available n disconnected the call, XXXX XXXX states that they have no account for me at Barclay 's & dont have a direct number to customer service states that the debt was sold to XXXX XXXX XXXX. Barclay 's sent me a summons on XX/XX/XXXX to appear in court for a debt that they have SOLD. Please refer to CFPB complaint XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A