Date Received: 2018-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12603
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Barclay Bank of Delaware is reporting a debt of {$2200.00} on my XXXX Credit report. In my past CFPB dispute I was advised by Barclay that this was a valid debt and in speaking with the office of the president staff member XXXX XXXX, he was able to hear on a phone call where the Barclay staff member had formally told be incorrectly that the a XXXX had been issued and the debt was cancelled, which is what I have always been told. Two days ago XXXX XXXX told be to contact XXXX XXXX XXXX to settle the account as they were now the one 's handling it. The phone number he provided no longer worked so I called him back to let me know. Today he said Barclay was actually recalling the debt and I could work with them, no explanation was provided for the recall. He provided the phone number XXXX ext XXXX to address the balance. After finally reaching someone at this phone number ( XXXX -Employee ID XXXX ) she stated that she can see that XXXX had the account and Barclay issued a recall but stated there is no way at all for her to collect payment on this account. How can I be responsible for all their errors, in addition to the fact that they are reporting a balance but won't accept payment!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: For the last year I have been getting calls, emails, text messages, and also have had fraud occur where someone has opened two credit cards within 2 days of each other in XX/XX/XXXX? They charged over {$3000.00} on each of these cards, they have been remotely hacking all of my devices despite the fact that I have every security feature on them, have had to change all of them 3 times this past year, and had to change my phone number 3 times as well. In XX/XX/XXXX on the XXXX I recieved a text alert telling me that someone had gone into a XXXX store and charge {$150.00} on my card through the app on my phone, in XX/XX/XXXXthey used a bank card of mine at an XXXX XXXX XXXX XXXX in XXXX ( Neither of these places to I reside or have visited ). Then I began receiving text messages from them, next started the phone calls from someone claiming to go by the name of XXXX trying to con me into the XXXX card scam, they would call from a XXXX number and a XXXX XXXX number every time I blocked the number they would call from another despite being told several times that my number at the time was on the do not call list and I asked them to stop calling me yet they continued to, and then they started calling me using profanities, I then started receiving emails from XXXX XXXX XXXX saying I owed them money for a loan which I have never had with them, every email they sent stated a different amount that i supposedly owed them and telling me that if I did not send x amount of money by such a time that day via a XXXX XXXX that they would put a warrant out for my arrest and contact my employer ( I have kept all emails they have sent me ). Then just recently I received a letter from an old bank account stating that this same company XXXX XXXX XXXX had filed a complaint with the courts and that they had put a freeze on that account in order to garnish money for this supposed loan I have never had. I recently put a credit fraud report on my credit report because someone keeps trying to get loans in my name, I was even notified by paypal that these people somehow had been able to obtain my paypal account info and was trying to take out money via an atm, we changed my password and had a new card sent out however this is the third time in the last year this has occurred. Now they keep contacting me threw a local phone number and again I block it and they continue to call me from another number up to 20 times a day, today I recieved a call from a local number and they were trying to tell me my credit card apr was now approved to be lowered to ( x % ) and then they started telling me you have more then {$2500.00} in credit card debt right and I said no what are you talking about, long story short when the man on the phone could not get the info he wanted out of me and I told him to not contact me again his response was take your credit cards and XXXX XXXX XXXX XXXX XXXX ) he then hung up. Last week I recieved constant calls from a number that was showing it was from XXXX XXXX and then after they would call the number would change and stated it was from another country. I answered several times and each time told them to not contact me and blocked the number yet they continued to call me all day using different numbers and when I answered their last call I told them that I was reporting this to my local police and blocking their numbers their response was go ahead were going to just keep calling you! And as if that is not enough I am constantly on a daily basis receiving these robot calls, text messages about pre-qualifying for a loan, and I even recently had to change my number because someone ( and I have the persons complete information along with the saved text messages ) they had bought a XXXX pre-paid phone and somehow they were using my number to text their friends who would respond back all through my phone when I tried to block them it wouldnt allow me to so I confronted them and told them I would be handing this over to local authorities to which they replied well just block our number and when I said that whatever they were doing they had it so I could not do that and I was giving them one hour to change that before I went to authorities, amazingly all of a sudden I was able to block the number. So i kept all texts as proof and went to XXXX XXXX XXXX showed them and had my number changed. I also have confirmed that I was one of the people whos information was compromised by the whole XXXX thing, and over the last 5 years I have had to have bank cards changed multiple times because I received notice from the bank ( XXXX XXXX ) who I was banking with at the time that twice my information had been compromised by a company I used my bank card at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
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 WAS CHARGES FOR SOMETHING I DID NOT AUTHORIZE. ON XX/XX/17 XXXX XXXX XXXX CHARGED MY ACCOUNT {$6700.00} ON MASTER CARD BARCLAY # XXXX I CALLED IN AND REPORTED FRAUD REP FILED FRAUD COMPLAINT I DID RECIEVE THE CREDIT ON MY NEW CARD THEY SENT ME BUT THEN A FEW MONTHS LATER THE CREDIT CARD SENT ME A LETTER STATING THEY WERE TAKING THE CREDIT BACK .... I NEVER DID BUSINESS WITH THIS SAID COMPANY AND I HAVE NO IDEA WHO THEY ARE. PLEASE HELP ME GET MY MONEY BACK ... WHY WOULD THEY CREDIT MY ACCOUNT AND THEN TAKE IT BACK. THIS IS NOT RIGHT THAT MASTER CARD BARCLAY ARE NOT BACKING THERE CLIENTS. THIS IS SENIOR CITIZEN ABUSE.. I NEED MY MONEY BACK. THIS IS ALOT OF MONEY ... I LIVE ON A FIXED INCOME AND THIS COMPANY STOLE FROM MY ACCOUNT. PLEASE HELP ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I noticed an unauthorized inquiries without my permission from anyone on XX/XX/2017 and XX/XX/2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Barclay 's Bank 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: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: After BarclaycardUS.com rejected one of our XXXX XXXX account checks [ with one of our vendors ] accompanying with the offer of 0 % promotional APR through at least XX/XX/XXXX, on XX/XX/XXXX. We called around XX/XX/XXXX to find out what was the problem when we were notified by mail. It is now after to the XX/XX/XXXX deadline for the offer to remain valid. Meanwhile, another 0 % APR offer arrived with a deadline of XX/XX/XXXX. The representative now asks us to file out the application online for the balance transfer to be honored. We asked if XX/XX/XXXX, the new 0 % offer could be applied to this application since we will not get a decision on this online application until after the XX/XX/XXXX deadline. The representative stated this new offer was good to apply to our online application and she would make a note of it in our account. After paying {$250.00} in fees for this approved balance transfer, we were shocked to learn on our first statement no promotional date was applied and we were being charged another 16.24 % interest for the vendor balance transfer due XX/XX/XXXX. We called again asked them why the new offer with a promotional date of XX/XX/XXXX, was not being applied and they stated that offer was not applied to the loan transfer and standard rates applied. I told them that someone lied to us then and we would not have made the transfer only to take our business elsewhere & pay another balance transfer fee. Our balance has been at XXXX for years and it would have remained at XXXX if what we were told by them while filing the online application was not true. Their response : They would not admit they lied to us and did not care if we found another 0 % offer with our over 800 credit scores. BarclaycardUS.com provided misleading facts during our application process and lacked in its fiduciary duty to lending to the public. They never came out and stated this application will not qualify for the new offer. We thought we had an agreement that included the new offer with a promotional date of XX/XX/XXXX, and 0 % until that date was reached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
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: I have lodged disputes with XXXX XXXX, XXXX, Barclays and XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
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: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was a victim of ID theft. My name is XXXX XXXX, SS # XXXX, DOB XX/XX/XXXX This account was open on XX/XX/XXXX. My address is a general mail address in the City of XXXX. We have no mail at our physical address is the City of XXXX. I have disputed this account numerous times and the creditor says its mine. I have filed a police report # XXXX. This has caused me great harm to me and my family. XXXX and XXXX have removed it but XXXX will not! They keep saying creditor confirms its mine. Please Help! Here is the Creditors info : Barclays card Account # XXXX Date opened XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 939XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A