Date Received: 2018-02-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Initial application for XXXX XXXX XXXX card filed on XX/XX/18. Message received on XX/XX/XXXX to contact issuer for additional data. Spoke to Barclays on XX/XX/XXXX and was told that the credit report freeze I had placed with XXXX would need to be lifted for the card application move forward. Contacted credity agency and had freeze lifted and credit report was received by the card agency. Was then referred to their identification component as the freeze would now require me to submit additional identification proof. I was instructed to send them a copy of my driver 's license as well as a copy, front and and back, of my Social Security card. I agreed to the D/L copy but would not agree to photocopy my SSN card as doing so is in direct contradiction of current Social Security Administration guidance as noted in POMS RM XXXX and asked for an alternative document that could be used. The response was that there are no alternatives and that refusing to supply the data would result in a denial of my application. Requiring the submission of a copy of a document that the issuing agency suggest should never be photocopied is inappropriate. Either agency instructions should be altered or the credit card company should be required to provide applicants who wish to follow agency guidance with alternative. The tracking number for my applcation with Barclays is XXXX.
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: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, I am submitting this formal request/complaint regarding the accuracy of reporting of my monthly payments to my Barclays Credit Card, account number XXXX ( the Account ). I have received and reviewed my current credit report. The pay history reported on the Account, reflects a Delinquent 120+, current late date of XX/XX/XXXX 150+, six times 90+ days late, 1 time 60 days late and 1 time 30 days late. My monthly payment is a monthly auto draft from my XXXX XXXX XXXX checking account number ending in XXXXsee attached ). As the payment history reflects, I have made timely monthly payments to my account for at least the last 13 months ; I could prove more if needed. It is obvious that I have not been late with my payments at any time. In addition to the incorrect payment history, there is {$15.00} charge, which I do not owe, but recently paid in an attempt to close out this issue and fix my account history.. This gross error in reporting has caused a substantial negative impact on my credit score. I have contacted Customer Service, to no avail, to rectify this situation. I am in the process of refinancing my mortgage and unable to move forward due to the derogatory credit reported on the Account. This inability to refinance my mortgage will cost me a substantial amount of money in interest charges. I am therefore submitting this written request/complaint to rectify this situation and demand that the correct pay history, on the Account, be reported to XXXX, XXXX and XXXX immediately. Best regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I am trying to use a product called XXXX to analyze my budget and spending habits, but XXXX XXXX does not allow this app to access the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was frozen by the creditor and a statement of {$89.00} was still post on XX/XX/2017. I made several calls since then and talked to multiple account managers. The final decision was my account would be handed over to another department for review and close down. The creditor kept reporting delinquent account to XXXX and XXXX during that period. I couldn't access my account since it was frozen. There's nothing I can do with my account. It is extremely unfair to do this to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was called on my cell phone by XXXX XXXX XXXX on XX/XX/2018 at XXXX PM. The lady on the phone identified herself as XXXX ext number XXXX. She was collecting a debt that wasn't mine. She told me the individuals full name, Date of birth and address. I asked to speak with her manager and she passed me to XXXX XXXX. I informed him of what had taking place and he said he would look into it. I know this isn't your typical complaint. This is however how identity theft happens. I'm sure had I pressed XXXX a little harder I could've gotten at least the last 4 of that mans social security number. I didn't even have to try and she told me all this information. I'm floored that this could happen so easily. I dont ' need a call back I just want this to not happen to anyone else.
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: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX Opened an Account in my name with no signature or authorization and is reporting negatively on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a XXXX XXXX with Barclsys for 4+ years and pay the credit card balance in full every month. I recently made my most recent payment ( balance owing ) on XX/XX/XXXX. Since that time, the payment has continued to show as pending and has not pulled from my checking account. I called again ( for the 8th time ) on XX/XX/XXXX and was instructed by the CSR that we should cancel the old payment and make a new one. I took their advice and made a new payment and received confirmation via email that it was pending. I called today, 3 days later and it still shows pending. I them waited on hold for 15 mitmutes and transferred to a Manager who then put me on hold for another 15 minutes and finally came back on the line. I was then told my latest payment from XX/XX/XXXX had to be cancelled to work out a system glitch and I received no notification about. In fact, if I had not called in ( for the 9th time since XX/XX/XXXX ) I would not have found out my latest attempted payment was not processed. Ive been with this company for over 4 years, pay my balance in full monthly and would be considered an excelkevt customer. To be treated this way with zero accountability on their end is completely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Like today at XXXX they called my cell phone and 2 minutes later they called the XXXX while my elderly parents are home taking there medication. I never gave them my that number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60101
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A