Date Received: 2018-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've made numerous attempts requesting proper validation of the debt I have requested in writing to the collection company and to the credit bureau 's to provide me with a detailed breakdown/ contract with a signature of what I allegedly owe. I have yet to receive any proper documentation it's been well over 90 days. Disclosure verification of debt : not given enough information to verify debt. The account was removed from my XXXX report some time in XX/XX/2017 due to non validation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Dear Officer, I'm writing to report problems experienced with XXXX XXXX. I found that they are giving inadequate notice for balance due, which led to unnecessary late payments ; also their rewards program is unfair to the consumers. In XX/XX/2017, I tried to pay off my entire balance using reward points. However it appears that some pending charges were not showing at the moment, therefore {$65.00} was left unnoticed. There were no alerts sent to me regarding the charges. When I found out two months later myself online, I immediately called and paid off the balance. The late fees were removed immediately, however the incident led to an impact on my credit score by 50 points.I found it appalling, because they have my cell phone number and email on file, yet they failed to send me any notice before treating it as late payment. Another thing that bothers me is that Barclays keep renaming and changing its program ( from XXXX XXXX to XXXX, and to XXXX XXXX ), and the reward terms are getting worse. It appears that they have increased the redemption threshold to XXXX points, which forces the customers to keep using their card, even though the card features were no longer competitive. Please advise, really appreciate your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2018-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86442
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX XXXX XXXX XXXX tells XXXX XXXX service members that the annual fee will be waived when asked during the application process. When the SCRA benefites are brought up after the account is opened the consumer is told that that was a mistake and they will not honor what was said during the application process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been alerted by XXXX Credit Bureau that my XX/XX/XXXX payment to XXXX XXXX XXXX ( Number XXXX ) is showing 30 days late. I have thoroughly reviewed my accounts payment history and confirmed it with XXXX XXXX customer service representatives and it has never gone over 30 days late. I sent two letters to the company communicating that they are knowingly reporting incorrect information to the Credit Agencies. Below is my payment history since XX/XX/XXXX. Please note that I was going through a personal financial matter at the time causing some of my payments to be returned by my bank, however, I made absolutely certain that all my payments are made on time and this is the only negative information on my credit report. 1. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay. 2. XX/XX/XXXX payment of {$280.00} cleared my bank on XX/XX/XXXX. There was no delay. 3. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX. 4. XX/XX/XXXX payment of {$280.00} was re-submitted and paid by my bank on XX/XX/XXXX.This is a 5 days delay from XX/XX/XXXX payment due date. 5. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX. 6. XX/XX/XXXX payment of {$280.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 21 days delay from XX/XX/XXXX payment due date. 7. XX/XX/XXXX payment of {$280.00} was returned unpaid by my bank on XX/XX/XXXX. 8. XX/XX/XXXX payment of {$300.00} was made via phone and paid by my bank on XX/XX/XXXX. This is a 14 days delay from XX/XX/XXXX payment due date. Thank you for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-12
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'll start from last year. I left the country ( USA ) for XXXX in XXXX and did recovery after that in XXXX. I made a payment to the company via phone because I lost my card and couldn't access my account. I pleaded with the company to make my bank already linked to my ACCT on autopay as I won't be in the USA long enough to receive a new card to access my account. The company has many notes regarding issue. I left XX/XX/XXXX After returning XX/XX/XXXX I had letters from Barclays regarding the account, when I looked at the balance I noticed it was substantially higher then it should be. So I contacted them and discovered to purchases where made on the account when I only made a single purchase so I set up my fraud claim. Most of the times because I travel a lot m, y fiance handles the billing issue. But I never used my Barc card more than once so I would always lose it, fiance would forget the password and a new card would be needed so I never really took notice to the account amount. Once I noticed the account was used again per agent knowledge I set up a claim. Barclays denied my claim because they said the card was used in the same location. But when I was notified of the date I thought back and knew immediately there was an issue as I propose to my fiance in XXXX during the time of the transaction and wasn't even in the state. - When I set up case initially I was told not to make any payments on the account but continued to receive missed payments on a credit report and also received missed payment when I called and advised Barclays to put my account on autopay.
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: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am writing a complaint about Barclays XXXX Rewards Card ending in XXXX. OnXX/XX/XXXX I set up a repeat payment with Barclays Card for the amount of {$200.00} 3 days prior to the payment due date. ( Please attachment ) On XX/XX/XXXX I noticed the the payment had not been deducted from my account. I called and spoke with XXXX. He informed me that it would take 30 or more days for the repeat payment system to process and start. I asked him to take the money out so that I am not delinquent. He processed a {$200.00} payment on that day which was deducted from my bank account on XX/XX/XXXX. He also returned the late fee. ( See attachment ) On XX/XX/XXXXI noticed that {$440.00} was deducted from bank account for Barclay Cards. I called and spoke to XXXX who saw that the payment was set up for {$200.00} but could not explain why it deducted more. Then put me on hold and told me that they minimum payment was increased because the {$200.00} payment on XXXX XXXX was not calculated. I asked to speak with a supervisor and got XXXX. She said that I selected minimum payment due instead of other amount, therefore, it deducted the what was due because the {$200.00} was not calculated. I told her that I have the print out that shows that I set up for other amount and specified only {$200.00}. XXXX arrogantly tells me that the company can take out the amount they chose if there is a balance. I explained that I only gave them permission to remove {$200.00} and feel that anything above that is not agreed upon and therefore, should not be at their discretion since it is my bank account and my money. Also, the {$200.00} paid on XX/XX/XXXX was paid and late fee was removed in enough time to be deducted from the balance due but if it didn't deduct it, I only gave permission to remove {$200.00} from my account. XXXX continued to argue the point that they have a right, therefore, I hung up. I feel that the website fraudulently leads customers into thinking they are on a secure website and that the agreement made with the company is valid. However, they are now using my electronic permissions for a specific amount to freely decide what to deduct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
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/2018 there were two fraudulent charges. One from XXXX and one from XXXX. XXXX reversed the one from XXXX. But refuses to reverse the XXXX payment. They claim it takes time to investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A