Date Received: 2018-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/18 I received an email from my XXXX XXXX credit card company alerting me of possible fraud on the card that I allow my daughter to use. I called the credit card company to find out what charges they were questioning. I then contacted my daughter to ask if she had that credit card in her possession and she said that she did. Based on my discussion with my daughter and a review of my online credit card statement I found that my daughter made three purchases with the credit card on XX/XX/18 at XXXX XXXX for {$29.00}, XXXX for {$31.00} and XXXX for {$10.00}. All other charges that appeared on the statement were not made by her. These charges included two purchases on XX/XX/18 -- XXXX XXXX XXXX XXXX for {$150.00} and XXXX XXXX for {$40.00}. Nine other fraudulent purchases occurred on XX/XX/18 at : XXXX XXXX XXXX for {$130.00}, at XXXX XXXX for {$160.00}, at XXXX for {$36.00}, at XXXX for {$120.00} and {$130.00}, at XXXX for {$260.00} and {$20.00}, and at XXXX XXXX XXXX for {$100.00} and {$230.00}. The Bank ( Barclay Bank ) that issued the card required us to fill out a Statement of Fraud indicating the charges were not made by my daughter, which we promptly submitted. I told representatives at the bank that my daughter was still in possession of the card. Thus, according to bank officials since the credit card is still in my daughter 's possession and the purchases were chip transactions I will have to cover the cost of these unauthorized transactions. After speaking with my daughter she informed me that she was performing XXXX XXXX ( for her XXXX XXXX curriculum ) at XXXX XXXX XXXX on XX/XX/XXXX -- the first date of the unauthorized transactions. She said that she left her pocketbook, which contained her wallet with the credit card in the conference room, as required by the XXXX. The only possible explanation I could think of is that another student took her credit card from her bag, made the unauthorized purchased and placed the card back in her pocketbook the following day. Of course I can't prove this theory but I do know that my daughter did not make any of these purchases. Of course if the purchases were in line with our usual spending habits the bank never would have questioned them in the first place. I am very upset that I know am being required to pay for over {$1400.00} in charges for items we didn't purchase. Please let me know what can be done about this. Can I file a police report and get video footage from the vendors of the transactions to prove that my daughter did not make these charges. I thought that there were rules that govern credit card companies that protect consumers in these situations. Any assistance you can provide would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XX/XX/XXXX : Received monthly statement and learned the credit card company reduced my limit to be very close to amount owed. Two weeks after the limit reduction I received a letter dated XX/XX/XXXX Advising the action taken with a general reason. This impacted my credit score with a 40+ point reduction. XX/XX/XXXX : Once again this credit card company reduced my limit down to the amount I owed with no prior notification of pending adverse action. The letter was dated XX/XX/XXXX and advised the action was taken due to number of inquiries on my credit. I have 2 cards issued by this bank. This is the only one they deem to be a risk. The company continues to impact my credit score in a negative way for no reason. I have a 100 % payment history with all of my cards including the ones issued by Barclay Card. After the limit decrease on XX/XX/XXXX I sent payment in full for the account. My cycle date had been the XXXX of the month since opening the card a few years ago. I check all my accounts regularly and I expected this account to cycle on the XXXX of the month to report to the agencies and to give me my final interest. I check the account on XX/XX/XXXX and it had not cycled. I called the company to determine what the issue was and they advised that my cycle date had been changed by a web user to the XXXX. I did not change it. In fact it would have caused ( and did XXXX more issues to change the statement date. When I called to have them correct this they told me they couldn't. I am a small business owner and have many cards with substantial limits. My credit will have more than the usual inquiries due to this fact. If this company would have followed standard guidelines and informed me of the upcoming limit decrease I would have had the opportunity to pay the account before it adversely affected my credit. When I called to express my concerns they advised that it was the risk program they had in place and the decision would stand. Not only have they hurt my credit score multiple times for undue cause they are unwilling to correct the issue. This 96 % usage of a single card will remain on my report until XX/XX/XXXX at the earliest causing an undue score drop for an extended period for the second time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX initiated funds transfer upon account closure ( acct # XXXX ) to XXXX saving account # XXXX on XX/XX/XXXX. However, this account was closed on XX/XX/XXXX. Hence, as per Barclays, the incoming funds were rejected and sent back to XXXX on XX/XX/XXXX using tracing # XXXX. XXXX says that they did not receive the rejected funds from Barclays and the tracking number provided is no good. Contacted Barclays many times but no one was of any help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2018-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: A debt collector called my in-laws looking for me and my wife. I don't know what debt they might be talking about as we are currently making payments on several accounts that went past due. The debt collector told my in-laws to have me or my wife call a number. They gave my in-laws the number. When you call the number a recorded voice clearly identifies the number as a debt collection agency location service. The number they gave my in-laws is XXXX. My in-laws called the number and now know we are battling a financial problem and trying to get our debt straightened out. We called the company and fixed the problem with our account. We also asked them why they called. They claimed they just called numbers listed on the account. We told them that regardless of the number on the account they shouldn't have provided my in-laws with phone number to a debt collection agency. For example, my kids could answer my cell phone. That doesn't give them freedom to tell my child a debt collector is looking for me. They completely disregarded our concern and demanded payment on the account. They removed all 3rd party contact information from our account but before they did we confirmed that they had a hole slew of numbers that our not mine or my wife 's. For example, they had my wife 's ex-husbands number and his mother 's number as contact numbers for us. My wife divorced him over 10 years ago and neither he or his mother are people we associate with positively. In fact, we are in a custody battle with him because I am trying to adopt my step children for which he is the biological father. The last thing we need is them knowing we are also having financial issues. The company would not confirm whether or not they had called any of the numbers we had them remove from the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-18
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 had a Credit Card with XXXX XXXX Barclay 's Bank that was subject to unauthorized transacxtions because of identity fraud. The Company is still reporting to XXXX a balance including the unauthorized charges effecting my credit standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: After going paperless I did not get a statement letting me know that a payment was due and 5 days after the due date I got a reminder that a payment was late and was charge twice a late fee XXXX each time this is a was for then to XXXX us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened an account with Barclays on XX/XX/2015. I paid account on time for exactly 12 months. Then closed out my account at XXXX balance. I was unable to resolve this with the company. They were unable to find and records related to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48066
Submitted Via: Web
Date Sent: 2018-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt was cancelled by Barclays Bank last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. Baraclay should be aware of this tactic and get rid of this debt since this issue has been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2018-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-16
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I purchased an XXXX laptop at the XXXX store using my XXXX credit card. I was informed at the time of purchase that the promotion was 18 months with no interest. They only gave me 12 months with no interest and them charged me the interested owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-15
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: On XX/XX/XXXX, in response to a prior complaint, I was given a credit in the amount of {$410.00}, for unauthorized charges on a credit card account. However, the charges appeared on my account in XX/XX/XXXX and in XX/XX/XXXX. The charges accrued interest throughout the time the account was open. The XX/XX/XXXX charge would have accrued approximately {$120.00} in interest, and the XX/XX/XXXX charge would have accrued {$120.00} in interest throughout the life of the account. Furthermore, in the response I received, the past due balance on the account is {$1600.00}, however, in the statements that I was furnished by the representative, the final balance on the account was {$1500.00}. When the final statement balance of {$1500.00} is credited the {$410.00} and the approximate interest of XXXX, the balance would be {$860.00}. Also, due to the amount in dispute, and the interest charged, had it been applied to the account, would have been enough to cover monthly payments for the final 9 months that the account was open ( and prevent the subsequent 9 late fees ), I would also dispute the {$300.00} in late fees added to the account beginning in XX/XX/XXXX. Which would leave a balance on the account of {$550.00}, that I do not dispute, and would be willing to repay immediately. But I require the corrections made to my credit report to show the fact that this account is paid as agreed. Currently, the balance reported to XXXX is {$1600.00} as of XX/XX/XXXX which your own statements prove is inaccurate. The balance being reported to XXXX is {$1200.00} as of XX/XX/XXXX.
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: 2018-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A