Date Received: 2018-04-04
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: An unauthorized charge was made by XXXX on my account with my wife 's card. Despite calling my credit card company, and notifying them the charges were disputed, they refused to mark the charge as unauthorized, despite the fact they were notified onXX/XX/XXXX. XXXX XXXX Account ... XXXX {$100.00} XXXX XXXX PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday,XX/XX/XXXX POST DATE Thursday, XX/XX/ MERCHANT LOCATION* XXXX WA XXXX MERCHANT CATEGORY CONTINUITY/SUBSCRIPTION MERCHANTS Questions about this purchase? Visit our Help page *The merchant location may not match the physical address where you made your purchase. It is common for merchants to use the address of a central branch, headquarters, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2018-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Opened XXXX XXXX XXXX account with Barclays Bank Delaware transfer balance in XX/XX/XXXX. XX/XX/XXXX : Minimum payment {$180.00}, I paid $ XXXX $ XXXX monthly but the balance was going up not down ( even during months no purchases were made ). XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX Fees charges ( not purchases ) put card over the limit although higher payments made monthly. contacted Barclays to discuss the option of lowering interest rate, question fees that brought card close to limit, refused to work with customer in good standing, never missed a payment, and always paid more than the minimum. Balance was {$6800.00}. XX/XX/XXXX : representative said the company would only work out a payment agreement with customers who were late on payments. XX/XX/XXXX : contacted XXXX XXXX XXXX to work on settlement or payment agreement. They refused to lower interest or settle account. They suggested continue to call, they would be more inclined to agree to settle before it went to collections. I closed the account and disputed charges for over the limit fees which caused additional fees. I received a letter stating account was closed amount owed {$7200.00}, no further charges would be added while dispute was pending. XX/XX/XXXX-XX/XX/XXXX : Continued to contact company monthly, they continued to add fees and subsequent over the limit charges, and additional fees. XX/XX/XXXX-XX/XX/XXXX : Continued to speak with Barclays, again offered to settle original amount owed, minus fees. XX/XX/XXXX : They have sold the account and report monthly to credit bureau. Barclays Bank Delaware does not have record of our conversations and are unwilling to work with me to resolve the issue. XXXX XXXX XXXX is in charge of collections, but will not report to bureaus. XXXX will accept settlement, but will not remove it from the report. I tried repeatedly to resolve and come to good standing with Barclays card. Never had a late payment until XX/XX/XXXX when trying to work with them to remove the over-limit fees. They continued to charge fees past the time account was closed and involved in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2018-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Greetings, I have an account open with Barclay which I opened in XX/XX/XXXX, I just noticed there is another credit inquiry for another loan with them inXX/XX/XXXX which I never applied to. I would like to report this as a fraudulent request as neither my family nor myself have made any applications with this bank since the one that was submitted and approved in XX/XX/XXXX at an XXXX Store. Please let me know if you need any additional information from my end. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2018-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with case I.D . XXXX XXXX, with XXXX XXXX XXXX that is being reported with incorrect/missing info. My balance is XXXX and XXXX XXXX have been reporting wrongly and destroying my credit report with it. All effort to get them to comply has been fruitless. The account was disputed because of an unauthorized transaction, yet XXXX XXXX kept reporting it as verified without providing any evidence to who verified it or traced it and with what method. This account demand investigation on the unauthorized transaction on XXXX of XX/XX/XXXX, and XX/XX/XXXX. If the account can not be correct, I request XXXX XXXX to delete all negative entry. I request a full credit for this unauthorized transaction. More specifically, I am referencing the fact that you are reporting an incorrect high balance which was as a result of the unauthorized transaction. Your improper procedures are highly damaging to my credit score. Please immediately delete this item and correct it. I request a full investigation and if unsatisfied that a new credit card account be processed immediately and sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX had fees before XX/XX/XXXX. -Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. -These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. -A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. -On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I used XXXX XXXX XXXX Card in XX/XX/XXXX-XX/XX/XXXX and is supposed to receive XXXX points to my XXXX XXXX reward account. However, until now I still haven't received any points. I have sent messages and called to customer service of XXXX and XXXX to resolve this matter multiple times. We even have a conference call between XXXX, XXXX, and me. However, this problem still is not fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2018-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
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: On or about XX/XX/XXXX I observed a charge to my card that was not made by me. I did not recognize the amount posted to my statement. It was a small amount, however, so I paid it. On or about XX/XX/XXXX I notice another charge on my card and this time I called Barclay 's to inform them that my card had been stolen and used and that I wanted a new card. I also told them that I had paid the XX/XX/XXXX charge but that I would not be paying any other charges. I was assured everything would be ok and was issued a new card. To this date, I have not called to turn the card on. I was assured everything was going to be fine. In XX/XX/XXXX and for the last two months I have been getting charged with late fees and 'minimum ' charge amounts by Barclays . I have discussed this and also have trails of electronic messages to and from Barclays and have had no resolution. I have since observed on my Credit Report that they have reported late payments on this account, which has hurt my score. Since XX/XX/XXXX I have received ZERO help from these people and they have decided to not only disregard my requests but also not to remove the charges and then charge interest and fees on fraudulent charges. I have read that everything the company has done so far may violate many of the regulations they are supposed to follow. Please, help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2018-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Received credit alerts regarding BARCLAYS BANK DELAWARE Requested On : XX/XX/2018 Identifying information they provided : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number not available Contacted Barclay and they have no record of my SSN. So wondering 1, how or why its on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2018-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2018-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-30
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: I applied for a credit card and received mailed notice from Barclays Bank stating they needed additional information. They requested copies of my current drivers license, copy of utility bill, and copy of my social security number. Although I had reservations about providing my SSN, I did send them the first two items and a copy of my Medicare Card which clearly shows my name and social security number. After a few weeks had past, I called to find out the reason for the delay in issuing my card. They insisted that they must have the copy of my social security card in order to process the application. Since the information they requested was to verify my identity, I offered to send them a copy of my birth certificate or any other information they needed to prove my identity and citizenship as an alternative to the social security card. My Medicare Card is should be as valid as my social security card for providing my social security number. As far as I know, there is no XXXX requirement that states that a financial institution MUST require its customer to provide a social security card as valid documentation in order to do business. I feel that their insistence on requiring that singular piece of identification, and one the Social Security Administration itself suggests against providing, represents an unfair trade practice by the bank. This situation could be easily avoided if Barclays would accept other primary types of identification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A