Date Received: 2018-03-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity was stolen to use to open Barclays XXXX card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
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: InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again. I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}. The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds. It is YOUR job to enforce the laws. DO IT! Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits. But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2018 I paid the amount of {$3200.00} to XXXX from a " Balance Transfer Convenience Check '' from my XXXX credit card account. The check was in fact cashed by XXXX on XX/XX/2018 and XXXX provided me with a copy of this cashed check with XXXX XXXX XXXX account number stamped on the back AND so there is no doubt that they RECEIVED and CASHED this " Balance Transfer Convenience Check. '' However, they refuse to post it to my account. To aid in the process I faxed them # 1 Their cashed check # 2 The proof that it had also posted as a balance to my XXXX account However, they just keep saying : " That they did not receive the fax ( even though I faxed it 3 times ) and that they still have no idea where their cashed check is. I am now paying interest on the {$3200.00} but it remains not credited/posted to my XXXX and I can not seem to find a resolution with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2016 I revcieve and Inquires that I did not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
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: I used convenience checks on my Barclay MasterCard for home improvements I did in XX/XX/XXXX. One was for the amount of XXXX. On the following statement charge appeared twice. See attached XXXX statement. Contacted recipient who confirmed he received only the XXXX amount so the problem was with Barclay. Spoke with XXXX ( no last name ) in XX/XX/XXXX and given case number XXXX. Then on XX/XX/XXXX spoke with XXXX who confirmed it was an erroneous duplicate charge and assured me it would be resolved. The charge was then reversed on my XX/XX/XXXX statement but then was RECHARGED on my XX/XX/XXXX statement, inexplicably. I have since contacted them twice, on XX/XX/XXXX and spoke with XXXX XXXX identified as XXXX ) who verbally acknowledged this additional error and assured me it would be reversed, this did not happen. Called again on XX/XX/XXXX and spoke with XXXX ( XXXX ) with no action taken. In each instance I have called I have been mailed a letter saying we are unable to help you at this time. I hope you can help me. This has caused me severe emotional distress and I feel I am being intentionally ignored and feel completely defrauded and victimized by this horrible bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX show up on my credit history ( XXXX, XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit. XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX ( XXXX XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry Brclysbank de ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX/XXXX ( XXXX XXXX, XXXX XXXX ) do not have any knowledge of this inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The addresses shown on my credit report are not mine. I've lived in the same address for over 12 years and I've never lived in XXXX Connecticut. I've always lived in XXXX Connecticut. Is this affecting my credit report and is someone else using my identity?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a notice in XXXX from XXXX XXXX raising my credit limit ( letter dated XX/XX/2018 XXXX on their cc along with receiving a bill from them. I also received cc denial letters from XXXX ( letter dated XXXX XXXX ) and XXXX XXXX ( letter dated XX/XX/2018 ) which I never applied for either ( I applied for NO new credit cards ). I immediately called all of the cc companies that I received letters from and the only cc that I had a balance on was the XXXX. I talked to XXXX and told them that I never opened a cc with them and they said they would look into it. I received a letter from them dated XX/XX/2018 stating that the investigation has been completed and that their research shows the account is valid and that I am responsible for {$2700.00}. After receiving this letter I immediately went to the police department and filed a police report. The XXXX learned that a cc was obtained online in my name and XXXX products were purchased XX/XX/2018 online and picked up at an XXXX store XX/XX/2018 with someone using a fake ID with my name on it. Apparently since someone picked up the products in the store XXXX is assuming it was me, which it was not. I have also written letters to the 3 credit reporting agencies ( sent on XX/XX/2018 XXXX along with notifying the FTC. What I have learned from talking to different people at XXXX is that the maiden name used to open the card is not my mothers maiden name and that the phone number used to obtain the card is an old land line/house phone that I had approximately 15 years ago. I have made an apportionment to talk to a lawyer tomorrow regarding everything barbecue I can't seem to get anywhere any other way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A