Date Received: 2018-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. I appreciate any help you may offer. Thank you in advance. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58601
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56401
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 503XX
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a purchase through XXXX that was financed through a credit card provided by Barclay 's. On XX/XX/XXXX, I logged into the Barclay 's card portal to setup the recurring payments to ensure that the card was paid promptly and for more than the minimum amount each month. On this date I setup a recurring monthly payment to occur 3 days prior to my billing cycle which occurs on the XXXX of each month with the first bill cycle to occur on XX/XX/XXXX. In addition, due to confusing language about when this takes affect or could take affect, I also made an initial payment of XXXX dollars to cover any limitations of the Barclay 's automated payment system. On the XX/XX/XXXX I was hit with a late fee for not making a payment on my card. I contacted Barclay 's identifying that I had setup both recurring payments and an initial payment on this card and that not only did I need the late fee removed ( not waived because it should have never been applied ) but I want verification that no negative action would be taken by Barclays. This communication has taken place through their portal between XX/XX/XXXX and XX/XX/XXXX. Barclay 's waived ( not removed ) the late fee but refused to verify that this would not be reported to the credit bureaus. I notified Barclay 's on the XX/XX/XXXX that I would then forward this concern to the CFPB for further investigation. I do not recall the exact messaging of their recurring payments but as evidenced by my initial manual payment of XXXX dollars plus the setup of the recurring payment for XXXX dollars per billing cycle I made a reasonable attempt to work within their system 's constraints ( Constraints that are arbitrary and appear to be at odds with the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX). It is unreasonable for an automated electronic system to require more than 21 days for a recurring payment to take affect. Here is a copy of the transcripts of the communication : Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX Barclay Customer support, Unfortunately, the messaging that you have is not clear and as evidenced by the initial payment and setup of the recurring payments I performed, I did attempt to pay all components timely. It is clear I was attempting to jump through the hoops Barclays has setup in an effort to trip up their borrowers. It is unfortunate that Barclays has taken this tactic against its borrowers and the persons it has issued credit to. I fully understand that the FFIEC requires all banks to report accurate information on credit bureau reports. However, my concern is that the way this system appears to be setup would violate the Credit Card Accountability Responsibility and Disclosure Act of 2009. I understand that Barclay 's is choosing to not take responsibility for what is clearly a problematic system and my actions with Barclay indicate clearly my intention to pay promptly and on time. It would make sense given Barclays desire to shed responsibility to forward this concern over to the Consumer Financial Protection Bureau. Response Customer Service via Email XX/XX/XXXX XXXX XXXX Dear XXXX XXXX : Thank you for contacting us regarding your Barclaycard XXXX Signature with XXXX Rewards. We can certainly address your inquiry regarding the activity on your account. We apologize for any concern, after review of your account, we are pleased to inform on XX/XX/XXXX we waived the {$27.00} late fee that posted on XX/XX/XXXX. This credit will reflect on your next statement. It can also be viewed online once it has posted to your account by selecting the Activity & Statements ' menu and clicking the 'Transactions ' option. From there you can choose to view Posted transactions or Temporary authorizations and can filter the time frame by using the drop down menu. Our records indicate you enrolled in our repeat payment program on XX/XX/XXXX. When setting up repeat payments we advise it will take up to one billing cycle to begin and that you will need to manually schedule the current months payment. We can confirm that this alert is displayed within the provided disclosures when finalizing the repeat payment process. Where no payment was manually entered, your account went past due. Please note that our payment system only initiates payments after your statement closing date. Currently your statement closing date falls on the XXXX of every month. Where your repeat payments were initiated on XX/XX/XXXX your first repeat payment could not be set up until after XX/XX/XXXX when your next billing cycle closed. We can confirm that your first repeat payment has been scheduled for XX/XX/XXXX. You can confirm this directly online by clicking the Payments menu and selecting the 'Payment activity ' option. The following page will show your 'Pending payments ' as well as your 'Past payments '. Keep in mind that our system will automatically modify your repeat payments to pay at least your minimum payment requirement. We regret to inform you that we are unable to change the way we report to the credit bureaus and we apologize for any inconvenience this may cause. Please note we currently update your credit report monthly and it may take 30 days for the credit bureaus to update their records. While we do not report on a specific date, we typically update within a few days of your statement closing date. Our records indicate your closing date currently falls on the XXXX of the month. Please keep in mind, if the closing date falls on a weekend or holiday, your statement will close on the previous business day. Your payment due date will be the same day of each month and the payment will be due at least 21 days from the date the billing cycle closes. Please be advised that for fair banking procedures, the Federal Financial Institutions Examination Council ( FFIEC ) requires all banks to report accurate information on credit bureau reports. We hope you find this information helpful and we thank you for your continued business. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Service Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX No, this wasn't processed after the date of recurring payment. The recurring payment was setup on XX/XX/XXXX. The first date of recurrence would have been XX/XX/XXXX which is most certainly not before XX/XX/XXXX. You will see I did also submit an initial payment of XXXX dollars to ensure whatever shenanigans Barclays would try to pull would not be pulled. You haven't waived any late penalty as I did not incur a late penalty due to your system 's fault and not the fault of the borrower in this case. Please verify that this late-payment will be removed from this account and that no negative action will be taken by Barclay 's for the failure of the Barclay system. This verification is required for my records. Response Customer Care via Email XX/XX/XXXX XXXX pm Dear XXXX XXXX : Thank you for contacting us regarding your Barclaycard XXXX Signature with XXXX Rewards. We can certainly address your concern regarding the payments on your account. At this time, we can confirm that your recurring payments were successfully set up on XX/XX/XXXX ; however, as this was processed after the date that your recurring payments are automatically scheduled, the first recurring payment will not properly schedule until your next due date. A notification should have been displayed on the screen advising of this, and that a one-time payment would still need to be made by the due date, at the time that your recurring payments were setup. We can confirm that going forward, these payments will post monthly. Please know, whenever payment is not received for at least the amount of the minimum payment due prior to the XXXX XXXX ET cut off time on your payment due date shown on the monthly statement, a late payment fee will be applied to the account. We are pleased to inform you that we have waived the late payment fee in the amount of {$27.00} that posted on XX/XX/XXXX. This will lower your minimum payment due down to {$120.00}, and this credit will reflect on your account within 3 business days. We also offer several email alerts that will help keep you informed about your account. To set up or change your account alert settings, you will need to click the 'Services ' tab that is located near the top of the page, then select the 'Alerts ' link. We would like to thank you for being a part of our family of credit cards, and we hope you find this information helpful. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Customer XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX I have a recurring payment setup on my account. This should pull XXXX dollars towards the payment. Each month 3 days before the payment date, so this should have pulled on XX/XX/XXXX. I received an email stating that I am behind on my payments. This appears to be an error with the recurring payment function of the site. Please correct this and ensure my account is NOT dinged for any interest, late payment or other negative account status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Problem with a company's investigation into an existing issue
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am a single mother of XXXX currently receiving unemployment because I got fired from my job. The good news is that I have received employment offers however these offers get rescinded because of a charge offs on my credit report. I called the credit card agencies to work with me and remove the charge off as well as the credit reporting agency so I can get a job and pay these cards however they will not remove the charge off which in turn does NOT allow me to get a job. The reason for these 3 charge offs was because my husband at the time lost his job and we were unable to pay. I am a well educated professional with over 20 years of experience yet I can't work because a credit card company says so? What law allows that? A credit card company that charges 26 % in interest. What law allows these companies to dictate policy on my life? I am a law abiding citizen who pays taxes and is just trying to get a job to support my family. PLEASE PLEASE PLEASE help me. Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Balance transfer XX/XX/XXXX completed and the promotional 0 % interest was good through XX/XX/XXXX. I had purchases on the XX/XX/XXXX statement as well and my balance was XXXX including the transfer fee. I paid XXXX on XX/XX/XXXX bringing the balance to XXXX on the XX/XX/XXXX statement. That payment was fully put toward the balance subject to interest. At this point the balance was all 0 % promotional. From XX/XX/XXXX through XX/XX/XXXX I paid XXXX bringing the balance to XXXX. In XX/XX/XXXX I made a large purchase on XX/XX/XXXX ( XXXX ). I made a XXXX payment on XX/XX/XXXX. Barclay MasterCard began putting all money paid toward the purchase ( higher interest ). I also made a payment of XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. I was making large enough payments to pay off the promotion on time. In XX/XX/XXXX I realized what was happening and I contacted Barclay. They advised they do not put any of the payment toward the promotion and only apply it to the highest interest even though I wanted them to apply it toward the promotion. I was frustrated but not given any options. A few days ago as I was reviewing my payments and how they were applied I noticed the promotion/balance transfer amount never went down since XX/XX/XXXX of last year and in fact now has a higher balance. I read that the changes in how payments are applied that occurred in XX/XX/XXXX state creditors must apply the payment to the balance with the highest interest rate first. I also read that the consumer can choose to have the extra payments beyond the minium due applied to a promotion balance. I was never given that choice. I paid more than enough to cover the total XXXX minimum payment due at the point of my XX/XX/XXXX payment. I called again Sunday XX/XX/XXXX to ask about that balance transfer/promotion. I was unable to get clear answers from that associate and requested a supervisor. After waiting 15-20 minutes the associate came back on the line and said a supervisor would call me within 24-48 hours. I advised I was concerned that would not happen and I wanted to resolve this issue. I did not receive a return call within the 24-48 hour timeframe. I think that company avoided payment on the promotion amount to push it into accruing interest with the purchase balance I made in XX/XX/XXXX. I want to dispute the action they took and believe they should have to go back and correct it. I decided to make a complaint as I was unable to resolve it with Barclay. Ihope to get some help and answers about this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98338
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Applied a credit card for common use and travel reward through XXXX XXXX to Barclays bank. Never received card, so complained but still could not get 2-3 months. But I got bill of {$69.00} for no reason just their fees. Call and closed account but balace still remain and kills my credit. After couple of tries, account has been closed but customer service can't help anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44134
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
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 had barclays card and there was an auto repair purchase on there that I disputed becuase the repairs weren't done correctly and my car still didnt work Barclays gave me the money back then took it back and gave it back to the shady mechanic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX - Received an alert from XXXX via XXXX that Barclay 's Bank Delaware had requested credit inquiry. XX/XX/XXXX - I contacted Barclay 's Bank and informed them this was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This account was placed with XXXX XXXX XXXX XXXX and I settled with this for 25 % of the balance {$5600.00}. This account need to be closed as Settled in Full in Barclays system as well as on my credit report. I have a settlement letter from XXXX too!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A