Date Received: 2018-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, I reach a credit card settlement with Barclays Bank Delaware. This settlement regarded my now closed account # XXXX. The account was in my maiden name, XXXX XXXX XXXX. My married name is XXXX XXXX XXXX. I recently inquired about a home loan and was surprised to learn Barclays had not updated my account to show a -XXXX- balance. The previous balance before the settlement was still showing, which is causing a significant lowering of my credit scores. Late last month ( XX/XX/XXXX ), I called Barclays Bank to inquire why they were not correctly reporting the status of the account. The duration of my phone call lasted well over an hour. Most of the time was being left on hold, while they transferred me from one department to the next, because no one seemed to want to help me. The conversation ended with Barclays agreeing to remove the account from my credit report, because of their failure to accurately report the account for more than a year. Again, their action caused my credit scores to drop and make me ineligible for a home loan. I asked that a letter confirming our conversation be emailed or faxed to me, specifically the part about the removable of the account from my report. Barclays refused stating, their company policy only allowed them to mail it. I was told I would receive it within 7-10 days. When that time passed, I again called Barclays ( XX/XX/XXXX ). Once again, the call lasted more than an hour while they passed me back and forth to individuals and departments who knew nothing about my account and had no interest helping me. Finally, a manager named XXXX got on the phone. He was rude and difficult. I asked for his company ID and he REFUSED to give it out. He said he didnt see a need to do it. When I told him what his company had agreed to do in a previous conversation, including the removal of my account, he stated, Thats not going to happen. I reminded him that Barclays failure to accurately report the status of my account for more than a year was harming my credit scores, he didnt answer me. The called then ended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25404
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a Hawaiian Airlines Credit Card and was approved, after receiving my card I tried to place an order for XXXX XXXX and was declined, I was declined upwards of 9 times. I called Barclay Bank who manages the credit card claims that it is XXXX XXXX that is declining the purchase. I then tried to place another purchase from a company in XXXX. I was declined 4 times, again the claim is that it is the merchant. I then used my XXXX XXXX card to place the purchase and it went through. Customer service has placed that I make purchases from XXXX, XXXX, XXXX and that I was still declined. This abuse of power has to stop. PERIOD. There is nothing wrong with these transactions, I'm making them and I'm being prevented from making orders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX took money without my authorization by getting my credit card expiration date and other information. How are businesses and banks allowed to take this information to charge customers. I was told it was in the terms of service but is it not also in the terms of service that a card has an expiration date? How dare they, these companies know we are a trapped regulated work force with no time to deal with going back and forth between merchant and bank to stop their fraudulent activity. Please help us and ensure that expiration dates are honored. They often honor the expiration date if it will generate a late fee. It is not fair that XXXX and barclay cards are allowed to do business with my money behind my back while hiding behind some small print.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 042XX
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Barclay arrival+ shocked me with Cash Advance Fees for my XXXX purchase after frequent and regular purchases for over 5 months. CASH ADVANCE FEE XX/XX/2018 {$27.00} CASH ADVANCE FEE XX/XX/2018 {$130.00} They did not call me, communicate to me at all in regards to these fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82801
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There are 4 accounts on my credit report that i have never opened cor applied for credit with. I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX XXXX amd XXXX. They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I use XXXX XXXX XXXX online banking for the ease of : a ) removing the need for paper bills to mailbox & possible identity theft, b ) extensive electronic relationships provide expedient & efficient payment. However, some times due to any number of reason outside of my control, the creditor does not receive timely payment. Case in point against Barclay now seeks to charge {$25.00} late payment, but it's not my issue of their communication with XXXX.. I refuse to be charged late fees for matters outside of my control and DEMAND it removed from my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called the company and they said they have no records of me applying so they dont know why the inquiry was on my report. I had receive a note from them and it had an account number and I never applied with them and thats what the agent told me. The inquiry is from XX/XX/2016 I have called these companies all of them I have attached a copy of the inaccurate ones thats on my file I have put a block on credit report because I have lost social Card and when I receive letter of items I apply for I call them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I applied for autopay as soon as was possible for my XXXX, which wasn't until after the first bill was available ( there were no autopay options before then ). That was three weeks ago and I just received a late payment fine for not paying my bill. Basically, even though I'd set up auto pay, and expected that to pay my bill, XXXX tried to charge me {$25.00}. I was told on the phone it take 2 months for autopay to go through, which seems ridiculous. My credit card also won't work for several days until the payment I just made goes through. This seems like they're trying to scam people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Tried to connect my Barclays Bank US account with XXXX app and was repeatedly denied access to my account even after successfully logging in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2018-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A