Date Received: 2018-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX 's client XXXX XXXX is an identity theft victim. Someone used his information without his consent to apply for an account with Barclay Bank ; while the application was stopped and no account was established the inquiry was left on the client XXXX credit report XX/XX/XXXX. A formal dispute was sent to Barclay Bank fraud department, however a letter dated XX/XX/XXXX is denying the dispute stating the application was valid even though the police report named Barclay Bank in the narrative. This issue is now a violation of my clients consumer rights and violation of FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14624
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-01
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This is in reference to a Barclays Credit Card, XXXX XXXX XXXX XXXX. I closed my credit card account on XX/XX/2018 after paying all outstanding charges. On XX/XX/XXXX I recieved an email that I was past due on this closed credit card. After contacting the company on XX/XX/XXXX, I was informed that on XX/XX/XXXX, a company called XXXX XXXX submitted a charge which they claimed was made XX/XX/2018. I tried to contact their fraud department but they did not pick up the phone after 20 minutes on hold. I do not have the credit card number since I cancelled the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 910XX
Submitted Via: Web
Date Sent: 2018-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
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: PLEASE BE ADVISE THAT I AND MY ATTORNEY WERE IN DISPUTES WITH XXXX XXXX XXXX XXXX OVER CREDIT THAT WAS AWARDED AND THEN THEY WANTED TO TAKE BACK, DUE TO A ERROR MADE BY XXXX AND THE CONSUMER/ XXXX RXXXX XXXX FROM XXXX XXXX XXXX. ME AND BY ATTORNEY WERE ON A DISPUTES DECISION ON MY XX/XX/2015 XXXX BILLING STATEMENT. XXXX THEN DID NOT NOTIFIED ME OR MY ATTORNEY OF THEIR DECISION OF CURRENT DISPUTES ON XXXX XXXX CREDIT CARD STARTED CHARGING MY CREDIT CARD, WITH NO NOTIFICATION OR BILLING STATEMENT.. TO ME OR THE ATTORNEY OFFICE OF XXXX & XXXX.WITH NO KNOWLEDGE OF THEM CHARGING ME, I AM NOW 90 LATE ON MY XXXX CREDIT CARD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2018 I instructed verbally and in writing Attorney XXXX NOT to use my CREDIT CARD. He used it anyway. I request a REFUND on my XXXX card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: RE : Barclays Bank of Delaware Acct : XXXX Erroneous Closed Account and Improper Credit Reporting XX/XX/XXXX, Barclays closed my credit card account without any notice and shut down access to my online account preventing me to obtain any statements, etc. I had not been using this credit card account as I was traveling out of the country and left this particular card at home ( not to incurr foreign transaction charges and for safety ). All my credit cards are also setup for auto pay. Upon return from my travels, I tried to utilize the card to book travel and was declined which alerted me to an issue. I then found I was not able to log into Barclays website to see what was going on in my account. Called the company after several transfers was told by the representative who barely spoke English that the account was closed by Barclays due to our " XXXX BK filing ''. I explained that we were forced to go Bankrupt in XX/XX/XXXX and had never missed a payment since and certainly not to Barclays or any other company. Further note no such bankruptcy appeared on my wife 's credit and she has Barclay cards. He refused to talk to me. We lost our significant points with Barclays but more importantly our credit was damaged. We ordered our credit and found the XXXX report included this account as having been closed due to a false XX/XX/XXXX Bankruptcy. We sent in correction request to XXXX which has gone without response from Barclays or XXXX. We have been denied other credit cards and this negative has affected my credit score which affects all my credit lines. I am now in the process of a home purchase and again found this erroneous entry on my report. I don't know who caused the error Barclays or XXXX sending wrong data to Barclays. Either way neither company corresponded with us before closing the account or since in response to our request for correction. I had thought the issue being clearly a mistake was working its way thru experians system and would be corrected and honestly forgot about it until I applied for a home loan last week.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Barclay Rewards Master Card ( ending in XXXX ) has been chargeoff on XX/XX/XXXX. I was contacted by the collection Agency for Barclays Card XXXX for a settlement of 42 % of the debt balance being {$3600.00}. I made payments of the settlement amount totaling XXXX, XX/XX/XXXX being the last payment amount. The account has been settled in full with XXXX and was told that Barclay Bank Delaware would update the settled status. However looking at my Transunion report the account just shows the recent payment of XXXX and the account is listed as charge off, It should have a balance of XXXX dollars and be settled, and no longer delinquent. Barclay Bank is not reporting accurately even after making my settlement amount. XXXX has collected the whole settled amount for Barclay Bank but Barclay Bank is not reporting the correct status even after payment reception.The account settled in full and no longer delinquent and I am no. longer obligated to any debt with Barclay Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My CC payment is due on the XXXX of each month. The cut off for the statement is the XXXX of each month. I sent out the payment for XX/XX/XXXX on the XX/XX/XXXX and it posted on the XX/XX/XXXX, the same day as the statement cut off, thereby posting to the XX/XX/XXXX statement. I contacted the Barclays CC and asked to have the payment corrected to post towards the XX/XX/XXXX payment due as intended and they refused. I have maintained my account as agreed with them. I have never asked for any accommodations. I would like this one time mistake to be corrected and the payment be posted as I intended.
Company Response:
State: CA
Zip: 93619
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There are a few problems Late Fees - I attempted to get a waiver on a late fee via customer service back on XX/XX/2018. I missed my payment by a day and apologized. This was my first time ever being late and asked for the fee to be removed. I was told no. Generally with most cards they will waive a late fee. Charges - There was a recurring charge that I notified them on in XXXX that should not have been approved. This charge caused my account to go over the limit. I notified them in XXXX via email to not approve any charges while my account was over the limit they continued to do so
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76134
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A