Date Received: 2018-05-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11423
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Struggling to pay your bill
Subissue: Filed for bankruptcy
Consumer Complaint: I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. I did not receive it. May I have a copy of my online application filled out online to get this credit card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
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. I had sent the executives of Barclaycard a letter requesting a goodwill adjustment of late payments reflecting on my credit reports for the months of XX/XX/XXXX through XX/XX/XXXX.I had explained that it was an exceptionally difficult and chaotic time in my life as I was balancing the birth of my XXXX child onXX/XX/XXXX and dealing with recovering from Hurricane Irmas devastation to our home in XX/XX/XXXX all while managing a family of XXXX on a single ( XXXX XXXX XXXX ) paycheck. My husband was out of work and due to me being on XXXX XXXX my reduced paycheck was the only source of income providing for my family. It was extremely challenging to provide the basic necessities day in and out. I thought once I was able to return to work fulltime from XXXX XXXX my finances would turnaround but then we were hit with Hurricane Irma in XX/XX/XXXX. The Hurricane knocked out our power, damaged our house and roof. We had to temporarily move out of our home and take up residence in a hotel. We were stuck with making very difficult decisions weighing our financial obligations with basic living necessities. That was a very dark time for my family, but thankfully we survived this setback. Now that I have found a prosperous balance in my life and gone back to work full time, I honestly can not associate with the person that let this payment obligation go unattended to. I fully respect my obligations with Barclay and have worked diligently to amend my relationship with you by regaining your trust. I am working on my credit and trying to provide a better life for my XXXX children. I m not proud of this black mark on my record, but I was making payments with as much money I could scrape together during that rough period. A brief look at my account will reveal I have successfully made 5 full on time payments since my unfortunate lapse of judgment. I realize I made a mistake in falling behind, but up until that point my payment history with you had been spotless. When I was able to fully work again, I quickly resumed paying my credit card balance, making it a top priority. I included proof of my being out on XXXX XXXX in XXXX and that I was impacted by Hurricane Irma. Shortly after sending the letter to the office of the president and other executives, I received a call from XXXX a representative from the office of the President. She stated she will look into my case and get back to me. XXXX got back to me a few weeks later to inform me that although they can not remove all 6 late payments from my credit file they were able to remove the XX/XX/XXXX, XX/XX/XXXX, and XXXX late reportings from all of my credit reports due to the Hurricane. She stated it will be updated with the XX/XX/XXXX reporting of my payments. I had asked her if she could send me that in writing for my records. She agreed and stated that she will mail out a letter shortly. The XXXX adjustments were made and all 3 major credit bureaus were reflecting late payments for only XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although it was not all of the late payments I was content the removal of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX stating that Barclay is no longer going to honor the agreement of removing the 3 months late notification and will be adding them back onto my credit report. I asked for Barclay not to do that and to honor their agreement and that this would be more damaging than if they were not to remove the late payments in the first place. XXXX stated unfortunately, they had already submitted the request to walk-back those 3 months. She further explained that the reason this was happening is due to my request for a letter documenting what they had promised ( remove XX/XX/XXXX thru XX/XX/XXXX late payment reportings ). Baclay is acting unreasonable and is not honoring their agreement. My credit scores have now dropped further below the score prior to having the late payments removed. Barclay 's actions were damaging and in direct violation of my rights as it pertains to the FCRA. Barclay should honor commitments and they should be more member centric. This is no way to conduct business. I attached proof of the adjustments made to my credit reports and the goodwill letter to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My life has been turned upside down. Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
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 XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2018-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
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 my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my signature. I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Barclays Bank Account opened XX/XX/2013 per credit report is reporting a balance on a charged off account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.
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: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A