Date Received: 2018-02-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? I am being punished for nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67501
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted XXXX and spoke to a supervisor name XXXX XXXX. I explained that I contacted Barclay bank and wrote letter several times disputing the numerous inquires on my XXXX credit report. Barclay did not respond as I think someone was trying to defraud me. I put a freeze on my XXXX to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34990
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/18, XXXX XXXX ACH debited my personal checking account for {$3800.00}. I have never had a XXXX. My wife is the only other signer on my checking account and she has never had a XXXX. And we certainly did not authorize our checking account to be ACH'ed. The transaction description on my checking account is as follows : Pending ACH Debit ORIG CO NAME : XXXX XXXX CO ENTRY DESCR : CREDITCARD SEC : WEB XXXX XXXX XXXX XXXX Link to more information in a new browser window. {$3800.00} My bank stated the phone number they showed for the transaction was XXXX. When I call this number, it says 'Settlement Department ' and refers you to leave a voicemail which I did. I tried calling all the customer service or complaint numbers that I could find for XXXX XXXX. They all go to the same place. I was told that there is nothing they could do because I don't have an account with them. I tried to get them to refer me to a different number where they could help me, but they said there wasn't one. I only want to understand how XXXX XXXX has my checking account info and why they attempted to ACH it. I'm worried my identity has been stolen or bank account info compromised. Or that Barclays simply made an error and someone fat-fingered an account number. I didn't want to file a complaint here, but there doesn't seem to be any way to contact someone in the company that can tell me what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89134
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my personal info was used to open credit card with Barclays bank, they changed my address and no statement was coming to me. When I found out the problem I called and reported it to Barclays in XX/XX/XXXX, the charges on card was {$10000.00} then. They closed the card and issued credits. on XX/XX/XXXX they sent me a credit check for {$200.00}. Now they are sending me a different credit card saying I owe {$31000.00}, I have called and sent them letters they do not reply nor call me back, and now they send a different card saying I now owe {$13000.00}, these cards are not mines and they still have it on my credit report with the fraudulent address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Tried to link my account to external application
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08854
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Multiple 2 credit inquires unauthorized on XXXX credit report. I was a victim of identity theft due to XXXX data hack. XXXX refused to remove them told me to contact the bank to remove them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: when attempting to reset my forgot password I opt to get a code sent to my phone via txt msg. after receiving code via text for password reset of online banking login the online site at www.banking.barclaysus.com will not give men the option to enter this code anywhere only have option to send txt msg ( code ) again. will not let me reset password! same with email and phone request code opt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A