Date Received: 2018-03-30
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Hello I reached out to this merchant regarding a fraud credit card that was opened on this account the merchant informed me that they couldn't verify that I didn't benefit from the credit card so they cant help me remove this negative item that does not belong to me from my credit I asked to the creditor to send me identyinfg documents to verify who opened the account up and they could not they also don't have anything that associates me with this credit card except for my ssn no other documentation they have on file belongs to me this account was opened via the internet per the representative so they are assuming this is my account and it does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.
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: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2018-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers. I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: 1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX ( attachment 1 ). 2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it. 3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan. b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement. c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement. d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX does not speak or write XXXX. iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10573
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A