BARCLAYS BANK DELAWARE CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/06/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 011XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. BARCLAYS BANK DELAWARE XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, WI XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX BANK XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/10/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12205	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/1972 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. BARCLAYS BANK DELAWARE XXXXXXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX Attn : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/10/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32257	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX 1 XXXX XXXX Attn : XXXX Mt. XXXX, NJ XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX PO Box XXXX XXXX XXXX, SD XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. BARCLAYS BANK DELAWARE PO Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act XXXX XXXX XXXX XXXXt I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I XXXX have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. XXXX XXXX XXXX XXXX. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and XXXX ii XXXX a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in XXXX XXXX at 232, hXXXX XXXX XXXX ; XXXX XXXX Guidelines, 40 Fed. Reg. at 28,951, XXXX XXXX XXXX. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; XXXX v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
03/17/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MA 011XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. BARCLAYS BANK DELEWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that Experian, Equifax and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
08/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94110	Web
I am writing to report that I have been the victim of unfair business practices by XXXX XXXX for XXXX account ending in XXXX during the months of XXXX and XX/XX/XXXX. XXXX has chosen to forgive some of the charges during this period of fraudulent activity but maintains that some are legitimate charges that I am responsible for, despite my repeated efforts to explain the situation to the company and resolve the issue in a timely manner by reporting fraud as soon as the first unknown purchase was made on the account. I maintain that it is unfair and unjust to forgive most of the charges, which suggests the company agrees that the charges were fraudulent, and then make me pay any remaining amount. In this communication, I am including the following sources of supporting information to demonstrate that I am the victim of identity theft, the charges on this account were fraudulent, and that XXXX XXXX has demonstrated unacceptable negligence in the handling of my accounts that has compromised my credit standing and put my public record at risk. To support my claim I have the following information : A list of the dates and the associated charges that I contest on account ending in XXXX - An Identity Theft Report filed with the FTC on XX/XX/XXXX ( already provided to XXXX XXXX XX/XX/XXXX ) - A recounting of my interactions with XXXX XXXX over the past XXXX and a half months that shows clear negligence in handling fraudulent activity in XXXX and XXXX of XXXX which enabled ongoing purchases by an unauthorized actor after I had already reported fraud ( included in the following sections of the docuemnt - Documentation that I was not physically present in the United States at the time and place the purchases in question were made for account ending XXXX, including : XXXX ) airplane ticket receipts, XXXX ) passport stamps and passport, XXXX ) government issued ID with my actual address ( not the fraudulent one added to my credit report ), XXXX ) credit card statements from the credit cards I actually do use that show I was making legitimate purchases in XXXX at the time the fraudulent XXXX XXXX Charges were made ( already provided to XXXX XXXX XX/XX/XXXX ) I did not use a XXXX XXXX for any purchases in the year of XXXX, as the account had stayed unused. The unauthorized actor used multiple accounts to make purchases, and was activating cards using compromised online access to my web account. The accounts used by the fraudster were those ending in XXXX, XXXX, and XXXX List of charges that I am contesting for account ending XXXX as fraudulent activity XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX- {$300.00} - XXXX XXXX Co. XX/XX/XXXX - {$10.00} - ABJ Cash Advance XX/XX/XXXX - {$6.00} - XXXX XX/XX/XXXX - XXXX - XXXX XXXX Co. XX/XX/XXXX - {$310.00} - XXXX XXXX XX/XX/XXXX - XXXX - XXXX XXXX XX/XX/XXXX XXXX {$10.00} - XXXXXXXX XXXX XXXX XX/XX/XXXX - {$63.00} - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$15.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$800.00} XXXX XXXX XXXX XX/XX/XXXX - $ XXXX XXXX by XXXX XX/XX/XXXX - {$130.00} - XXXX XXXXXXXX XX/XX/XXXX - {$200.00} - XXXX XXXX XX/XX/XXXX - {$17.00} - XXXX XXXX XXXXXXXX - {$10.00} - XXXX XXXX XXXXXXXX - {$24.00} - Cash Advance If there are any other charges on account ending in XXXX during the time period from XX/XX/XXXX to XX/XX/XXXX, that I have not documented above, I contest these as well. Timeline of My Interactions with XXXX in Response to Fraudulent Activity and Identity Theft XX/XX/XXXX I was in XXXX XXXX, XXXX, and received a notification on XXXX saying that my XXXX XXXX credit card account number XXXX was used for purchases in XXXX XXXX, XXXX. I attempted to block the card on my app, since I did not have the card on my person and had not made any purchases using the card online since arriving in XXXX, and so immediately knew these charges were fraudulent. I attempted to log into the online account but did not remember my password to this account because, as you can see from statement histories, I had not used the account for XXXX months. In light of this, I called XXXX XXXX to warn about fraud at XXXX XXXX ( I got the number from the contact XXXX section of the app on the phone ) at XXXX pm until XXXX pm, and again from XXXX to XXXX pm ( XXXX XXXX ). The person who I spoke said their systems were down and I would have to call back to report fraud tomorrow, as there was nothing he could do right now. This call should be recorded, as I have been informed that all calls with a XXXX representative are recorded for compliance and quality assurance. XX/XX/XXXX I called XXXX XXXX again at the same number as above at XXXX pm ( local time in XXXX XXXX ) and warned them about the fraud I had identified the previous day. I let them know that I was out of the country, did not have the card on my person, and therefore couldn't have been using the card in XXXX XXXX. The person claimed to register my complaints, saying that they blocked the card and started a fraud investigation placing a hold on the account XXXX. After this call I thought the problem was solved. XX/XX/XXXX On this date I was in XXXX de XXXX, XXXX, and received another notification from XXXX saying the card for account ending XXXX was used again in XXXX XXXX after I had reported the card for account ending XXXX as compromised and previous activity on this account as fraudulent. I called XXXX XXXX at XXXX XXXX XXXX, which was provided to me as the direct line to the fraud department, from XXXX pm until XXXX XXXX ( XXXX time ). On this call, we discovered the person committing fraud had obtained access to my online account profile. I noticed I had received a notification saying that my address and phone number were changed for the account XXXX and all associated accounts with my name, without my authorization or knowledge. The address was changed to XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I again tried to report fraud and was informed that there was no active fraud investigation on my account from the XX/XX/XXXX call. I again requested to initiate a formal fraud complaint at this time. I also requested that my accounts with XXXX XXXX be closed because I was extremely concerned at the unauthorized access to my account that enabled changing contact information and enabling continued purchases on the account. XX/XX/XXXX I received a notification that a payment was being made on the account ending in XXXX that I had already reported as fraudulent without my consent using my linked Capital XXXX bank account. I immediately called back XXXX to inquire about the payment and they said they could not stop it. This call to XXXX XXXX was made to XXXX XXXX ( from XXXX pm to XXXX pm ( XXXX time ). On this call I requested to speak to a XXXX and I was assured the account would be closed and no further purchases could be made on the account. However as you can see above, purchases were made on XX/XX/XXXX even after all my attempts to stop activity on the account ending XXXX. My next course of action was to call XXXX XXXX and put a stop payment hold on the debit. I was successful in doing this. Again, I was left with the impression that the problem was solved by XXXX XXXX at this time. XX/XX/XXXX I received a surprising notification on XXXX and XXXX that my credit rating was downgraded XXXX points due to a missed payment. I had no idea what account this was for as I had received no notification of upcoming due payments from any financial institution. I called XXXX to inquire which account this was for and was informed that it was for XXXX XXXX mastercard. I called XXXX XXXX and requested to speak to a XXXX to get an explanation of the situation. I was informed that I had been sent a letter on XX/XX/XXXX that outlined the results of my previous fraud investigation and the company found that the charges were deemed as valid because the purchases were done with a chip and thus had to be on my person. This argument is illogical and is an unfair abuse of my rights as a consumer because I stated in initial calls with XXXX I did not have the card and can document that I was out of the country at the time these purchases were made. If the XXXX XXXX in question were on my person, I would be making purchases in XXXX as you can see from my active credit cards, plane tickets, and passport. Furthermore, this letter was sent to an address that was added to my account fraudulently on XX/XX/XXXX, after I had already alerted the company to the fraudulent activity. The letter was sent to the XXXX XXXX XXXX, XXXX XXXX, CA XXXX address. I have never lived at this address, never received the letter, and received no notice of any missed payment deadline. Had I received this notice, I would have immediately contested the companys improper conclusion that there was no fraud. However, since the company sent the notice to an address that should have been flagged as potentially fraudulent, I was not given the opportunity to make my case. On this call I re-initiated the fraud investigations on activity on my accounts in XX/XX/XXXX and XX/XX/XXXX. I called to notify XXXX of the fraud and immediately dispute the late charges posted to my account by XXXX as fraud. I then filed a FTC Identity Theft report. In this report I detailed the events already outlined above relating to identity theft and fraudulent purchases using my name. XX/XX/XXXX I called to ask where to send the FTC Identity Theft report that I filed on XX/XX/XXXX. I was given a fax number and sent it to XXXX XXXX. XX/XX/XXXX I called in response to repeated calls from XXXX. On these calls, upon answering, the person on the other end would abruptly hangup. The number the call was coming for was XXXX ( XXXX ) XXXX. I requested that the company stop calling me in this manner because it was causing me distress and I am contesting the charges. I was informed that they can not stop the system from calling me automatically and there is nothing that can be done. I felt like I was experiencing abusive debt collection for debts that I had already documented I did not owe and that accrued in large part due to the companys own negligence. XX/XX/XXXX I received the XXXX attached letters relaying the fraud determinations for accounts ending in XXXX and ending in XXXX. The XXXX letters referencing account XXXX said that I was responsible for the charges. I will note that XXXX of these letters misspelled my middle name, further indicating the disorganization of XXXX XXXX. The other letter about account XXXX said that they had deemed these charges as fraudulent and I was not responsible for the charges on this account. To my knowledge, I did not know that there were multiple accounts under my name and it was at this time unclear why the company was investigating both of these accounts for fraud. I did not get an explanation for this until XX/XX/XXXX. No charges made under my name with my XXXX XXXX accounts were authorized by me and they were all fraudulent charges. All of the charges during the month of XXXX, XXXX through XX/XX/XXXX were made in XXXX XXXX when I was in XXXX and I did NOT have any XXXX cards on my person. I have been trying to plead my case that I did not authorize any of these charges for months at this point in time. In response to these letters I called to inquire about what the rationale for these determinations was and was informed that the system is down and I cant receive any information. XX/XX/XXXX I called XXXX XXXX back and requested to speak to a XXXX to understand why they decided charges on account XXXX were not fraudulent. I was on hold for XXXX to XXXX hours waiting for a XXXX. When I spoke to a XXXX they listened to my story and told me to fax in the documentation showing that I was out of the country. I was given a fax number and address. Fax : XXXX Address : po box XXXX XXXX, DE XXXX I received no explanation about why the charges were not deemed fraudulent. XX/XX/XXXX I received a call from XXXX XXXX about collections on charges on account ending in XXXX. I explained the saga again and they informed me to send the documentation to a different fax number and address. This time it was : Fax : XXXX Address : po box XXXX XXXX, DE XXXX XX/XX/XXXX I attempted to fax my formal dispute, summary of events, and supporting documentation to the fax number provided over the phone and it did not go through. I believe that XXXX XXXX XXXX have been giving me incorrect fax numbers to inhibit my ability to advance my case with a formal written complaint in a timely manner. After the numbers they provided during phone conversations did not work, I faxed the above statement with associated documentation to XXXX at ( XXXX ) XXXX ( the fax number on their website ). XX/XX/XXXX I called XXXX at XXXX ( XXXX ) XXXX to confirm that they received the fax and had reopened the investigation. They confirmed that they had and the investigation was still open. XX/XX/XXXX I received XXXX letters in the mail. XXXX dated XX/XX/XXXX that said the charges on account ending in XXXX were deemed accurate. I received another letter dated XX/XX/XXXX, stating that the charges on account ending in XXXX were deemed fraudulent. I had no knowledge that this account had been created and was under investigation. Considering I sent my fax at XXXX on XX/XX/XXXX, I believed that the letter about account ending in XXXX was sent before my supporting documentation and formal written request to reconsider the charges on account XXXX as fraudulent. I called XXXX at XXXX ( XXXX ) XXXX to confirm fraud investigation was still open. They informed me that the dispute was still open.
07/31/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33023	Web	Servicemember
Received a phone call on XX/XX/2018 at XXXXXXXX about suspicious charges made at XXXX XXXX ( FL ) XXXX XXXX in the amounts of {$2000.00} and {$2000.00}. I was unable to answer at the time, so I called back on XX/XX/2018 at XXXX and spoke with a representative from the credit card company. They first asked me if I recognized / authorized the charges, and I immediately said " no. '' I was then asked if I had the credit card in my possession, and I said " yes '' ( incorrectly ; at the time I was so consumed with the idea that someone had stolen my card that I spoke without thinking or actually checking my wallet to see if I did have the card ). I was then told that an investigation would be opened, the card that was used would be closed, and a new one would be mailed to me. I was given a timeframe in which to expect a call-back regarding the decision the credit card company makes on my claim. I do not remember how long this window of time was. I called back sometime within that window ( do not know the date ) to ask for an update, and I was told that the window of time hadn't elapsed yet so I should wait, as they were unable to provide an answer at the time. I believe it was during this phone call that I first informed the credit card company that I did not actually have the credit card in my possession as previously said. I waited past the window of time I was given by the credit card company ( I believe the date was sometime around XX/XX/2018 ) and called back again asking for an update, and the representative I spoke to told me that they didn't understand why nobody called me yet - because we were now past the window of time they were supposed to take to make a decision - and that the case was now closed, in my favor, and I will see the money credited back to my account. I checked my online statement, and saw that the money was indeed credited to me. Sometime later ( I believe the date was XX/XX/2018 ) I noticed the original fraudulent charges were re-charged onto my credit card account, so I called the credit card company to inquire about this. I was informed that the original decision was a mistake, and that the case had been closed - but not in my favor - and that the letter I was to receive in the mail which would state it was closed in my favor should be disregarded because it is incorrect. I was told by a supervisor ( operator # XXXX ) that because I originally said I had the card in my possession during the first conversation, they had made their decision immediately, based on that one piece of information, because if I had the card in my possession, then " ( I ) must have been the one to use it, because the card has a chip and a chip can not be duplicated. '' I explained to the supervisor that my mind was erratic at the time of that first phone call because I was overwhelmed and consumed by the fact that somebody had used my credit card to make over {$4000.00} worth of purchases, and that I spoke incorrectly by stating the card was in my possession ; however, I also brought it to his attention that I had immediately answered " no '' to their first question asking about whether or not I recognized or authorized the charges, but he informed me that it did not matter. This supervisor suggested that I file a police report, and said that doing so will result in them re-opening the case to investigate it further, as they would then be able to work with the police department. On that same day - XX/XX/2018 - I filed a police report with the XXXX XXXX Police Department, case # XXXX. When I filed this report I was under the impression that the numbers listed on my credit card statement next to the transaction amounts were transaction IDs from the store ( XXXX and XXXX ). I believe this is what I was told when I first received the phone call about the suspicious activity on XX/XX/2018, but I do not remember for sure. Immediately after filing this police report, I contacted the credit card company to let them know, and provided them with a case number. I was asked to fax a copy of the police report to them at ( XXXX ) XXXX with " ATTN : Investigations '' on the cover sheet as soon as the police report was ready. I also noticed that the charges were dropped from my online account statement. I obtained the police report and faxed it to the credit card company on XX/XX/2018, as requested. Sometime on or before XX/XX/2018, I noticed that the charges were once again re-applied onto my account statement. I called the credit card company on or before this date to ask why, and was once again told that the case was closed - not in my favor - and that I was responsible for all the charges. I spoke with a representative ( operator # XXXX ) on XX/XX/2018 and was informed that the fax of the police report was never received, and that the case was closed not in my favor. I was informed that the cover sheet of the fax must also include " Reference credit card number : XXXX '' which is something that I was not informed of originally, and was told that since the credit card number was not on the cover sheet that it may be a reason why they didnt accept the fax. I sent a second fax of the police report on XX/XX/2018, with the cover sheet labeled as requested. Sometime on or around XX/XX/2018 I went to the XXXX XXXX XXXX XXXX - the location where I was lead to believe both fraudulent charges were made at - to ask for a copy of the purchase receipts and/or video footage in an effort to have the credit card company re-open the case and then close it in my favor, since at this time I was again being told I'm responsible for the charges and that they were no longer investigating it at all, even though I had a police report filed. XXXX XXXX provided me with copies of the receipts, and also cleared up the incorrect information about the transaction numbers - that they were actually store numbers, and not transaction IDs. They informed me that one purchase was made at the XXXX XXXX XXXX XXXX store, and that the other was made at the XXXX XXXX XXXX store, and provided the transaction receipts for both stores. They also informed me that they are only able to provide video surveillance footage to police offers, but that they did indeed have it available. Upon receiving this new information, I went to the XXXX Police Department on XX/XX/2018 and filed a police report with them, as well ( case # XXXX ). On XX/XX/2018 I went back to the XXXX XXXX police station to ask for assistance obtaining the video footage from the XXXX XXXX XXXX XXXX, and they helped me get an officer to meet me at the store and do so. Both a photograph and two video clips were obtained from the XXXX XXXX showing that it was not me in the video. The officer did not allow me to see the video, but told me he can " definitely tell it's not you. '' The officer then told me he would add the video and photo to my police report, as well as a copy of the purchase receipt from that store. He then also gave me a copy of the video, which I have since reviewed. I do not recognize the person who used my credit card. Later on XX/XX/2018 I contacted the credit card company again, this time in an attempt to provide the new information and get them to re-open my case and investigate it. I was told that it was still closed, and that I was responsible for the charges. I asked to speak with a supervisor and was transferred to XXXX, operator # XXXX. I gave him all the information I had, and he told me would personally oversee my case from that point on. He said he would contact both police departments that I had filed reports with, and told me he promises a callback on XX/XX/2018 with an update. I was never contacted on XX/XX/2018 as promised. I waited an extra week thinking he got busy or was getting around to it, but I still never heard from him. On XX/XX/2018 I called the credit card company and spoke with XXXX again. He informed me that he " attempted to contact both police departments but nobody answered and neither has called me back, and that's why I never called you. '' I expressed my dissatisfaction with this, explaining that I'd rather him just tell me that information on XX/XX/2018 as originally promised, as opposed to leaving me in the dark. '' I called back again on XX/XX/2018 to ask for the current status of my case, and to find out exactly how many attempts XXXX actually made to contact the police. I was told by a representative named XXXX that the current status was that my case was closed, and I was responsible for all charges. There was a supervisor named XXXX present with the representative as well, and they told me that they showed there was one single attempt made by XXXX to contact the police departments on XX/XX/2018, but it " was not verified '' because XXXX wasn't available at the time for them to ask him directly. I informed them that I wanted to know exactly how many attempts XXXX made to contact the police regarding my case, and that if they were unable to provide that information and if XXXX couldn't speak to me at the time then I wanted a callback with the information. On XX/XX/2018, after speaking with the credit card company the second time, I contacted the XXXX XXXX Police Department to explain what was going on, and to ask the status of their investigation and whether or not they spoke with the credit card company. I was told that it was " out of their hands '' and that I would have to speak with the detective 's office, since it had been passed on to them. The detective 's office was closed at this time, so I was unable to talk to them on that day. Sometime on or around XX/XX/2018, I spoke with Detective XXXX XXXX of the XXXX Police Department regarding my case. He informed me that they never received a phone call nor message from my credit card company. By XX/XX/2018 I still hadn't received the callback from my credit card company with the answer to my question about how many attempts they made to contact the police. Also on this day I was able to get in contact with Sgt. XXXX of the XXXX XXXX Police Department, and she too informed me that neither a call nor message was ever received from my credit card company. She asked for the phone number of my credit card company and said she would try to contact them for me. I gave her XXXX 's name and his extension ( XXXX, which I was given on XX/XX/2018 ). On XX/XX/2018 I called my credit card company to inform them of what both detectives that I spoke to had said. I spoke with a supervisor named XXXX and I also informed him that I will not be making any payments towards my account, and I told them I want them to contact the police departments again. I provided the names, phone numbers, and respective case numbers of both the officers I spoke with. I also informed him that I would be filing this complaint with the CFPB. *A copy of the surveillance video is available, but your system will not allow me to upload it below because it is too large.
10/18/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 34293	Web	Older American
Three identical complaints against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and a third member afraid to be identified but featured in the article linked below with her permission all have identical complaints directed against XXXX XXXX XXXX. XXXX XXXX, a widow, has a CFPB complaint under review against different agents at the same sales center. I have heard from multiple XXXX XXXX readers about the agents at the XXXX XXXX XXXXr. The only other sales center with more complaints is XXXX XXXX and they have been sent to train VA agents. XXXX has denied the XXXX claims as has the Virginia Attorney General. The predecessor to XXXX is XXXX. XXXX XXXX XXXX in all likelihood not knowing what XXXX XXXX stands for, makes annual contributions of a XXXX dollars a year through voluntary contributions as an " opt out '' donation to XXXX XXXX. I had to make multiple calls to get the XXXX} removed from our XXXX account. Since CFPB and XXXX are reviewing XXXX XXXX 's complaint, I felt it was important to view all three identical complaints together, along with XXXX 's complaint, as they are so similar. XXXX has agreed to steer XXXX, XXXX XXXX XXXX XXXX and the third unidentified complaint through the process to file a complaint with the VA real estate division and I am searching for whoever is over the Virginia XXXX as he clearly is pro developer and anti timeshare consumer. The member afraid to be identified is afraid of retribution. She and her husband, late XXXX, were up-sold several times. I can not believe I got myself into this but such blatant deceit, concealment, violation of trust and bait and switch makes XXXX XXXX pale in comparison. I have interviewed several current and former XXXX sales agents and managers, here and in the XXXX who confirm the complaints. The XXXX agents and managers said they refused to apply the tactics used in the XXXX in the XXXX. Here is what XXXX former XXXX XXXX said. I watched every day, agents selling XXXX for double and close to triple what it was supposed to be sold for but management laughed and congratulated them for doing it. The maintenance fees statement about buying more and using that to pay your maintenance fees was a practice that was encouraged but be careful. Some of the agents, who still work at XXXX, would sell the program for $ XXXX when it was only in the XXXX range. XXXX of the guest came back to cancel but the agent said no worries I have if packed XXXX but I 'll give then XXXX off and still make a killing! Made me sick cause these particular guess were in their late XXXX ' early XXXX 's. I asked the agent if he had a conscience and he just laughed ... if you can get them to pay more you 're a hero!! They have the money!! Deception actually goes back further then that. We were told to pack the price for a trade in and imply that it was what they got back for there XXXX ... we sold it for the regular price ... .they got nothing for their XXXX! All three complaints against XXXX XXXX XXXX are from Virginia residents. Complaint # 1 Virginia residents XXXX XXXX, XXXX, expecting XXXX child in XXXX weeks XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXXXXXX XXXX ages XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX owners XXXX XXXX Filed with CFPB I have asked XXXX XXXX XXXX XXXX to cancel our loan due to deceit and bait and switch and have been denied. We were told if we opened a XXXX it would pay for our maintenance fees. XXXX XXXX XXXX XXXX XXXX told us to call him when we needed to pay our maintenance fees and he would help us with the process. When I tried to call him he did not respond. He also told us to call him when we book vacations. There was never an answer we called him. XXXX XXXX, XXXX XXXX XXXX wanted us to buy XXXX more points bumping us up to get closer to XXXX for a trial XXXX. Also, when asked directly if we were to be in a financial hardship with the high payments that we were concerned about, would we be able to " give the points and loan back to diamond '' we were told " yes '' by another lady who came in later during presentation. We opened a second XXXX. XXXX told us to call him when it came time to pay maintenance fees and he would help us learn to use our XXXX points to pay off the said maintenance fees. Bought XXXX points from XXXX XXXX XXXX XXXX ) Purchase price XXXX Down payment XXXX Monthly payment XXXX Combined yearly maintenance fees XXXX} XXXX told us Call me when you pay your maintenance fees and you will not pay anything in maintenance fees. When we bought our last set of points they brought in another sales agent at the end. I told her my concerns about this being a huge financial burden and what if it became too much for us and we could n't make the monthly payments. My exact words to her were " Can we just give it back? '' And she looked me in the face and said " yes ''. That really was what settled our minds and made us feel like we could try it. We were told our points are going to be worth more because they are selling for more than what we were paying for them. XXXX XXXX Complaint # 2 against XXXX XXXX XXXX XXXX Virginia residents http : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX VA I was a satisfied Timeshare owner for over XXXX years until we were deceitfully up-sold at our last update in XXXX by XXXX XXXX XXXX XXXX, XXXX. We have been financially stressed due to medical issues, struggling to pay maintenance fees. Our XXXX XXXX XXXX son was diagnosed with a chronic autoimmune XXXX requiring several hospitalizations over that year ( and years to come ), not to mention that I had recently been hit by a construction truck while walking across XXXX XXXX and suffered a concussion and residual issues. Explaining these circumstances to XXXX XXXX, he told us about a XXXX day opportunity that would allow us to trade points to pay off maintenance fees if we opened XXXX XXXX card accounts amounting to over XXXX} worth of points. When it was time for maintenance fees to be paid, we attempted to use the program he described to us. We only then learned no such program existed ; we 'd been duped into upgrading our membership and were stuck with larger annual maintenance fees in addition to paying off the credit card debt. We are now much worse off financially than we were XXXX years ago. XXXX XXXX has denied our request to cancel and refund the last contract, which would allow us to remain XXXX members. Simply surrendering the contract would not address the financial burden resulting from the deceit and would virtually endorse and encourage XXXX XXXX to continue to victimize other members. We are only asking for our last contract to be cancelled because there is no question he lied to us and took advantage of our vulnerability ( due to medical problems XXXX. XXXX XXXX XXXX after the AZ XXXX received over XXXX XXXX XXXX accused of violating the AZ XXXX XXXX XXXX : " XXXX shall enhance its programs, policies and training and continue to instruct and train its Vacation Counselors and Sales Managers to comply with the ACFA. XXXX shall advise all Vacation Counselors and XXXX Managers that they XXXX not : i. deviate from sales material ii. make oral representations at the point of sale that are inconsistent with XXXX 's Purchase Documents. '' In XXXX response, XXXX clearly stated its position - that a sales agent is allowed to say anything under the sun to sell points. This is contrary to XXXX stating that it will go " above and beyond '' the requirement of the AOD rolling out XXXX nationwide. This corporate response says XXXX endorses and approves deceitful and " bait and switch '' tactics using/abusing the oral representation clause solely to XXXX 's benefit : XXXX XXXX XXXX XXXX ) Complaint # 3 Virginia Residents asked not to be identified XXXX XXXX, XXXX, XXXX XXXX in XXXX, VA by the XXXX, VA XXXX, XXXX points, XXXX Sales person XXXX XXXX So we attend, get a few updated details and then XXXX starts to tell us about this wonderful opportunity only being offered to certain Platinum owners! An ELITE program! Just for us!!! He did tell us about the XXXX program for luxury accommodations XXXX something wed likely never use as its spending MORE money and using less points when we have a hard time using all the points we have to start with and we told him so! ) and about travel service, which we do use to pay for travel with our points for airfare, etc., though those benefits are not what they used to be. But then the ELITE program wed be able to turn in points back to XXXX each year for XXXX to use, recycle them, to bring in potential owners and use our point allocations to do so. In exchange for turning these points in for recycling back to XXXX on the given year we would receive XXXX! AND that we would ALWAYS get XXXX XXXX off on points for reservations NO MATTER WHEN THEY WERE MADE. This would allow us to PAY FOR OUR FEES WITH THE XXXX and STILL have enough points on which to travel!!! He convinced us to maintain the offer of this ELITE program by doing a sampler program which would of course be credited back toward the purchase. But wed have to buy AT LEAST XXXX points to take advantage of this program and be part of this ELITE group. Oh and we just had to contact him in XXXX when the fee invoices would be sent and hed tell us how to use the program. We bought the sampler and - being so enticed by the fact that we would forever into the future ( according to XXXX XXXX be able to pay our fees this way and that this benefit would be passed on to our children and theyd also be able to pay the fees by recycling the points back to XXXX went back the next day while they were still there and purchased the points. We knew it would be more points than we could ever use in a year XXXX at least until we were well into retirement and have the time to travel more ) but that wouldnt matter because wed be recycling the points back for the XXXX so it would all work out. Well no such program exists! They didnt give us anything in writing that day and even somehow retained our personal notes Im assuming so that wed have no proof of the lies they fed us. The Platinum Department NEVER HEARD OF THIS PROGRAM. We kept trying to find out from XXXX. His voicemail was always full. He never responded to email. Then we went to the XXXX XXXX XXXX, XXXX XXXX, who just put us back to XXXX who was now in VA XXXX. Of course when we finally DID get XXXX to call back he denied every telling us about such a program. A blatant LIE! The ONLY REASON we agreed to still more points was that we could now afford the ever increasing fees. WE NEVER WOULD HAVE BOUGHT THESE POINTS IF WE WERENT PROMISED THIS BENEFIT OF PAYING OUR FEES @ XXXX AND NEVER PAYING MORE THAN XXXX XXXX OF THE COST PER RESERVATION. http : XXXX
09/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	PA 191XX	Web
This issue pertains to a transaction I made using my Barclays Uber Visa Credit Card. In late XXXX and the early months of XXXX ( pre-COVID19 ), I had planned a group vacation to XXXX, XXXX. Our group had planned to rent a catamaran as an excursion on our trip. I was speaking with a concierge for the island who had put me in contact with an Ibiza-based company called XXXX XXXX ( https : XXXX ). The transaction to rent a catamaran rental for 25 people plus food and drinks was made on XX/XX/XXXX. The slated day for this excursion was supposed to be XX/XX/XXXX. The price was {$8300.00} USD in total. I opted to pay in full rather than a smaller deposit. This was booked prior to the news of the COVID-19 global pandemic. There was no contract provided by the company, they offered nothing to sign, and there were no terms & conditions provided. They simply asked me to pay via an online portal and then sent me an invoice receipt after payment ( which I have attached to this submission ). News broke a month later that international travel bans would be put into effect preventing us from traveling to XXXX. Flights and hotel accommodations were canceled by our airlines and by XXXX. Due to the reasoning of XXXX XXXX, it would be physically impossible for us to travel to XXXX in order to make the date of our booking with XXXX XXXX. As I am sure you are aware, XXXX XXXX is a common clause that essentially frees both parties from liability or obligation when an extraordinary event or circumstance beyond the control of the parties, such as a war, strike, riot, crime, epidemic/pandemic or an event described by the legal term act of XXXX, prevents one or both parties from fulfilling obligations. ( https : XXXX ). My hope was that the COVID-19 situation would get better over time and that travel restrictions would be lifted in time for us to make our trip so I waited it out 1-2 months. Instead, the global COVID-19 situation only got worse and, due to circumstances out of my control, I knew it was time to get in touch with XXXX XXXX in order to get the booking refunded. I contacted XXXX XXXX on XX/XX/XXXX to request a refund. In other words, XXXX XXXX was made aware that we would be unable to make the reservation 41 days prior to the reservation date. I have fully documented the exchange of this correspondence via screenshots and a transcript ( these are all attached with this submission ). You will see in the text message screenshots and accompanying transcript between myself and XXXX XXXX that they acknowledged the COVID-19 implications on my reservation. They also acknowledge that the flights and accommodation to XXXX were canceled and it would not be possible for us to travel there. They were uncooperative and had offered impractical solutions to remedy the situation. I had explained to them that their proposed solutions would not work due to the circumstances of the global pandemic and they responded by saying they would provide me with a credit note that would eventually turn into a full cash refund. They stated that they would provide me with documentation confirming the receipt of this credit note but they never did. I informed XXXX XXXX that I would be filing a dispute with my credit card company ( Barclays ) on XX/XX/XXXX and then proceeded to do so. Since then, XXXX Holidays has not responded to a single message. I have sent them 7 text messages to their XXXX number ( XXXX XXXX XXXX XXXX XXXX ) all which went unanswered. I have called them 10 or more times at their phone number ( XXXX XXXX XXXX XXXX XXXX ) and they never picked up or called me back. I have emailed them multiple times at their email addresses XXXX and XXXX and never received a response. I have reached out to the companys owner, XXXX XXXX XXXX XXXX, via XXXX and never received a response. I reached out to XXXX XXXX via their XXXX page ( https XXXX XXXX ) and never received a response. I attempted to contact them via XXXX at their page @ XXXX and they subsequently blocked me from viewing their page ( screenshot of this attached ). Another item of importance is in regards to the concierge who put me in touch with XXXX XXXX. This concierge is also located in XXXX. He was also in communications with XXXX XXXX in early XX/XX/XXXX around the time I had initially informed XXXX XXXX of the refund request due to the COVID-19 implications. The concierge has been made fully aware of the details of this issue and has provided me with screenshots and a transcript of his entire correspondence with XXXX XXXX and authorized me to use them in this case ( all of these items are attached in this submission ). In that correspondence, the concierge explains the travel restriction issues to XXXX XXXX and requests a refund for our group. XXXX XXXX acknowledges the issue and confirms with XXXX that they will be providing me a refund as well as documentation/confirmation ( which I never received ). Since XX/XX/XXXX, they have not responded to XXXX regarding this issue despite numerous calls and texts since then. All of the screenshots of their conversation are in their native language ( XXXX ), however, I have provided a translated transcript ( as well as the original ) for your convenience ( all attached ). Barclays has been abhorrent in handling this case since the original claim was made. Their customer service has been the absolute worst I have ever experienced. Since my initial dispute claim on XX/XX/XXXX, I have called back about 2-3 times per week every week asking for updates or information. Many times, the customer service representatives are very rude and just hang up on me. Other times, they put me on hold for 30-45 minutes before the line disconnects and I'm forced to call back. On the times where I did manage to speak to a customer service representative, they repeatedly fed me the same three excuses : 1 ) I tried to connect you with someone in the Disputes Department but theyre not picking up 2 ) Due to COVID-19, we no longer have the staff to handle disputes by phone 3 ) We can schedule a Dispute Department Manager callback and someone will get back to you within 15 days. For the record, I have requested at least 5 manager callbacks and have not once been contacted by anyone. The most recent time I requested a callback was XX/XX/XXXX, which means it has been almost 21 days ( well over the 15-day timeline ). I last called back this past Monday, XX/XX/XXXX, where they said they were aware that the timeline had been exceeded and that there was nothing that they could do. They then told me to wait another 3-5 days for a manager callback. I'm not holding my breath. In other words, it is impossible to get someone on the phone and that is seemingly by design. On XX/XX/XXXX, Barclays issued me a provisional credit for the full amount of the disputed transaction ( I have attached the letter they sent me stating this ). I requested that money be sent to me via check and put it into a separate savings account for safe-keeping where it still sits today. This credit, however, was only provisional. Then, on XX/XX/XXXX, Barclays proceeded to rebill me the full amount of the disputed transaction. In the letter they sent me, they state that " the merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction '' ( I have attached this letter to this submission ). Barclays did not tell me what that documentation was or what that documentation stated. I called to ask them but they never gave me an explanation. I appealed their decision immediately and wrote a 39-page document that included all the screenshots and transcripts that I will be including in this submission. This document clearly outlines XXXX XXXX explicitly saying I would be receiving a credit or refund ( neither of which I received ). I asked Barclays for a thorough investigation of all the facts presented and to provide me with any details that XXXX XXXX provided so that I can review their legitimacy. On XX/XX/XXXX, Barclays sent me a letter that stated, " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Merchant has not violated the terms and conditions of the contract '' ( I have attached a copy of this letter ). I was absolutely dumbfounded when I read this because I was never presented with a contract in the first place! I never signed a contract. There were never terms and conditions provided for me to agree or disagree to. Barclays did not supply me with a copy of this supposed " contract '' for verification or any supporting documentation. It is quite clear that XXXX XXXX is attempting to keep money for a service I never received and was physically prevented from receiving due to an act of nature out of my power. International travel restrictions caused flights to be canceled and any future planning to be impossible. The XXXX government would not even allow Americans into the country so I am really having a hard time wrapping my head around how Barclays is justifying their decision. I have not even had the chance to speak with anyone for an explanation. The whole purpose of using a credit card is to be offered buyer protection and benefits that normal banks can't offer yet Barclays is not providing any of that. It seems as if Barclays does not even care and they don't seem to have the customer 's best interest in mind. Another consideration is the fact that they will now try to charge me interest on the {$8300.00} balance now that they have made their decision on this dispute. The interest rate for this card is quite high ( 20.74 % APR ) which would unfairly cost me even more money. I did some digging online and read that if I were to make payments towards this balance, whether it was just the minimum or if I paid it off using the check I had requested from them in XXXX, that that would be admitting that I am responsible for that transaction. To reiterate, I never received the service I paid for and was physically prevented due to international travel restrictions caused by a global pandemic so I am not responsible for this transaction, however, I dont want my credit to be damaged and I dont want to accrue large amounts of interest because of this so I am unsure what to do here. I'm attaching the entire 39-page PDF document that I sent to Barclays when appealing their decision. This document contains all of the relevant screenshots, transcripts, and invoices I mentioned in this submission. I really hope the CFPB can assist me with a favorable resolution to my dispute. I appreciate your consideration.
11/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	IN 471XX	Web
Barclays recently took over my GAP VISA account. When the change was made, I was unaware so I received late fees. I contacted Barclay directly and spoke with XXXX on XX/XX/XXXX. I paid my bill in full ( {$1400.00} ) with the exception of the late fees, as XXXX was going to take care of getting these removed ( {$71.00} total ). XXXX let me know that there would be a final payment needed for the interest and I would need to wait and pay on the next bill. I received the next bill on XX/XX/XXXX. That bill included not only the interest I needed to pay ( {$14.00} ), but also the lates fees were still included ( {$71.00} ). I called Barclay on XX/XX/XXXX and spoke with XXXX. XXXX told me to disregard the late fees as it hadnt been adjustment yet because XXXX had not fully submitted the request. XXXX assured me she would take care of it. On XX/XX/XXXX, I again received my Barclay bill. It still had the late fees and not a new one since I was considered late on payment since I did not make the minimum payment ; NOTE : If I had made the minimum payment it would have included the late fees that were being waived and I was advised to just pay the {$14.00} XXXX owed by XXXX. At this point, I can not believe I am needing to call a third time to get this resolved, but I call. On XX/XX/XXXX, I get XXXX on the line. XXXX looked at my account and stated that I DID in fact owe the fees. I then asked XXXX to connect me with his manager. XXXX XXXX op # XXXX ) was placed on the line. After researching, XXXX found that the fees had been credited to the old account number instead of the new account number. XXXX assured me it would be taken care of in XX/XX/XXXX hours and the new fees ( totaling {$100.00} ) would be removed as well, since it was obviously their error. On XX/XX/XXXX, I again received my Barclay bill and it again was not taken care of. The bill was now for {$100.00} all in fees. I called and got XXXX on the line. I immediately asked for his manager and got XXXX ( op # XXXX ). She assured me a credit for the full amount of {$100.00} would be issued within 24/48 hours. As you can imagine, I am no longer believing a word I am being told. This is the third time I was given this information. I have spent far too many hours trying to resolve this and no one has taken ownership to date and fixed this. This led me to fill with the XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed a complaint with them, complaint number XXXX. All the information provided above was provided, as well as a list of items I wanted to ensure were taken care of : 1. Fees removed from my account as of todays date ( XX/XX/XXXX ) XXXX. A letter stating what my balance is with dates included ( should show XXXX ) 3. Correction to my credit report for any late payments shown. In addition to filing this complaint with the XXXX, I also started utilizing social media ( XXXX and XXXX ) to put heat on them to fix this. At XXXX on XX/XX/XXXX, XXXX from the Office of the President called me. She stated she received my complaint from the XXXX and was following up and would be taking care of it from this point forward. She apologized and said I can see from your XXXX complaint exactly what happened. XXXX assured me she would be back in touch within XX/XX/XXXX hours to give me an update and she also stated that the letter and credit report correction could not be issued that quickly due to legalities they must follow. XXXX DID NOT call! I called back on XX/XX/XXXX, and got XXXX. I told XXXX I was expecting her call and she said she did not have any notes about calling me back. I told her she most certainly did give me that time frame because, I assure her, had she not we would not have ended our call on XX/XX/XXXX and it would have been escalated. XXXX again apologized. I was not accepting any more apologies and told XXXX exactly that. I told her exactly what my expectations were and magically she was able to update my account and give me the {$71.00} credit. So you may ask why this didnt happen back on XX/XX/XXXX? I asked that question and she said because I could have received a credit from another department that was working on it too and that would have caused a charge back. As I stated to XXXX, I have no idea what that means and she said they would take the money back. I asked her why that would matter to me. I could care less the amount of work they have to do on their end to clean this up- bottom line- I want it fixed, I want my letter, I want my credit report fixed and I no longer want to deal with their company ever again! I told her as soon as this is fixed I am closing my account and will be telling everyone I know exactly how they do business. I also told XXXX I wanted to speak with her manager, as she also had not done her job. She again stated she didnt remember telling me that and she apologized and said they can listen to the call. I told her I believe that would be a wonderful thing for them to do, since I know she told me XX/XX/XXXX hours. The following are all the items XXXX stated she would be taking care of : 1. Crediting my account for {$71.00} leaving my account at XXXX. She stated during this call that she had already credited my account for {$31.00} on XX/XX/XXXX, which she did not tell me until today. XXXX also stated that she placed a note in my account that states her credit for {$71.00} will stand and that if a credit from the other department was placed on the account, it would not be removed meaning there would be a credit of {$71.00}. She is to call back within XX/XX/XXXX hours to confirm her credit went through. 2. Ensuring no residual fees are charged to my account. My account statement closes on XX/XX/XXXX and XXXX will be checking my account on XX/XX/XXXX or have another employee do so to ensure there are no fees and if there are to waive them. She will call me back on XX/XX/XXXX to confirm this is taken care of ( she is off on XX/XX/XXXX ). 3. Send me a letter with what happened on my account breaking out what happened and how it was resolved. XXXX said research is still taking place and it could take up to two weeks to send this. She said she would start working on it right away and that I could expect this via email. 4. All credit bureaus to be contacted and any late payments reported to be removed. XXXX said that will be taken care of and I should receive my letter within 30 days and it can take about that long for the bureaus to update their records too. 5. Have her manager call me to talk about her lack of follow up. I informed XXXX at the time that I screen calls. I asked where the call would originate from ( area code ) and she said she didnt know. I told XXXX I generally do not answer calls from numbers I dont know so she would need to have them leave a message if I did not answer. XXXX could not give me a timeframe on when they would call in addition to from where they would call. She kept saying it was procedure. On XX/XX/XXXX, XXXX called back to confirm my account now shows a XXXX balance. I asked for her to provide that in writing via email and she said she could not. She then told me her manager attempted to call me twice on XX/XX/XXXX, but I did not answer and per procedure that was all they would do. I told XXXX my phone never rang the entire evening and that another request for them to call needed to be submitted. XXXX stated she could not do that. I then said so they tried to call and I didnt answer and they will never fall back up. She then said they may call you. I said when would that be? She said she didnt know and I said are we talking 3 years, 2 months, 10 days. Again, no answer. XXXX was about as unhelpful as the people in customer service. How can you not fix this and stop the madness? She said it was all procedure and that they are heavily scrutinized. While I am sure as a financial institution they are, I can not imagine that this is the best they can do and I told her that. Again the apologies, but as I told her apologies dont help- ACTION does! I would really appreciate you stepping in and getting this fully resolved! I am tired of wasting my time with a bunch of employees who could care less. I personally believe every single person I have encountered is insubordinate. I have truly never seen anything like it. Please put yourself in my shoes. What would you expect at this point? I dont think I am asking for more than is due to me or at least I hadnt. I have been asking for just the basic items to clear this up. Now, three months into this, I want compensation. I want them to send me money for my 6+ hours of time I have spend on this ( at minimum {$500.00} ). I want a handwritten letter from the president of Barclay stating he himself looked into this, understands the frustration and provides what his takeaways will be to improve this process moving forward. I can assure you I will never be a Barclay customer again. My account will be closed as soon as this is cleared up. I can also assure you anyone and everyone I know will hear what happened. I have worked at two large corporations and have contacts at both and I will spread it to all my friends to ensure they dont get stuck with this disaster of a company. I will also not stop on social media regarding this. They will feel as much pain as I have! I genuinely dont need the money, it is all about principle at this point, and I am relentless when you are talking about my values. I would never put a customer through this- EVER!
02/21/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 90049	Web	Older American
XX/XX/XXXX Consumer complaint against BARCLAYS BANK PLC ( dba Barclaycard Ring Mastercard ) and XXXX XXXX ( dba XXXX ), individually and together. Dear Consumerfinance.gov : I am making two consumer complaints that your agency can group as one or choose to select the appropriate party that is under your agencys regulatory jurisdiction. Regardless, I wanted you to understand how these two consumer driven businesses related to each other and how these businesses, as individual entities, and together as a group, acted in an unethical manner to blatantly deny my legitimate claim to funds. Consumer Complaint I am grouping Barclays Ring Mastercard ( Barclays ) and XXXX ( XXXX ) together here because both parties appear to have participated in a coordinated, or mutually beneficial manner, to : 1. Hid Barclays and XXXX incompetency, or possibly corrupt business practices, to charge me, the consumer, for items it knew I did not receive. 2. Withhold funds owed me and/or my Barclays credit card account for XXXX own enrichment. 3. Extort payment and interest from me by Barclays to recover alleged loses as a result of its own incompetence, corrupt business practices, or failure to obtain, through proper financial channels, reimbursement for funds provided XXXX. I have attached 15 documents sequentially marked spanning XX/XX/XXXX to XX/XX/XXXX, the nearly five-month period in which I tried to have my refund complaint resolved by Barclays and XXXX. The documents chronicle the facts of this case. Those being that my initial purchase from the XXXX via a charge on my Barclays credit card, for a XXXX XXXX XXXX XXXX XXXX priced at {$1200.00} was proved never received by me and reimbursement for this charge denied me by both Barclays and XXXX. I spoke with dozens of customer service representatives, likely spending nearly 35-hours on the phone trying to resolve my credit issue. I have personal notes on practically every single call I made. Two such handwritten notes are included in the documents I have supplied. Other documents offered for review to Barclays and XXXX, such as a XXXX XXXX Police Department report on the missing XXXX phone and building security videos -- -both underscored my claim that the XXXX cellphone shipment never reach my address. History Barclays and XXXX, first rejected my claim based on false statements that both parties knew, or should have known, were untrue : The XXXX cellphone shipment had reached my address and XXXX verified delivery. Based on my independent investigation with XXXX shipper XXXX, I proved XXXX erred. XXXX notified Barclays I was owed a full refund, as documents here prove. Further Barclays errored in rejecting my initial refund claim by blindly accepting XXXX erroneous claim that it had verified I received the computer in question, when in fact, a missing cellphone was the basis of my complaint, not a computer. Had Barclays dealt with me fairly and competently, it would have noted XXXX error and rejected its counter-claim. Barclays and XXXX initial goodwill cooperation was soon sidetracked by petty squabbles between the two corporate giants. Each party blaming the other party for the failure to remove the charge on my credit card ( plus credit card interest ). In the end, after two and a half months into the second dispute opened by Barclays, Barclays informed me it were abandoning efforts to retrieve my reimbursement. Barclays argued it should not have opened the second dispute investigation because that opportunity had expired. But, it was opened by Barclays and given its own new case number. Further, had Barclays handled the first dispute in a competent manner, there would not have been a need for a second dispute. A Barclays customer representative also stated Barclays would not remove the erroneous XXXX charge of {$1200.00}. Instead, I would be charged for the XXXX phone I never received because Barclays had not been reimbursed by XXXX for the cost of the XXXX cellphone. There is more. Barclays, I was also told, would continue to charge me interest on the {$1200.00}. The Barclays letter to me washing its hands of resolving the invalid this dispute, recommended I pursue credit by contacting the Merchant directly. I tried that approach. When I did, a XXXX representative stated XXXX will not return my fund to me ( to pay-off the Barclays charge ). XXXX, she said, would only return the funds to Barclays, something XXXX had failed to do after numerous attempts. Thus, XXXX is retaining, for its own enrichment, {$1200.00}. Complaint Resolution As a consumer, I am requesting your intervention on my behalf to : 1. Direct XXXX to perform a speedy full refund to me by direct check or via Barclays charge card service, 2. Prevent Barclays Mastercards outrageous attempt to fraudulently bill me {$1200.00} plus interest, for a product it factually knows I never received and that through its own incompetency and possible corrupt business practices, allowed XXXX to extract from my account. 3. Advise both Barclays and XXXX against any acts of vengeance, such as directly, or indirectly, damaging my credit or through other possible nefarious business practices. Attached Documents The following 15 attached documents, each with a brief annotation, support my claim against Barclays and XXXX. These documents and facts contained therein, are known to Barclays and XXXX. 1 Original XXXX purchase order ( XX/XX/XXXX ) for a XXXX XXXX XXXX XXXX XXXX. Cost : {$1200.00} 2.Barclays letter ( XX/XX/XXXX ) regarding opening a dispute investigation with provision credit to the account of XXXX XXXX based on consumers claimed ordered product was never delivered. 3, XXXX email letter ( XX/XX/XXXX ) alleging proof XXXX product ordered was delivered. XXXX states that XXXX did deliver a XXXX XXXX XXXX and XXXX XXXX keyboard to my address. I never ordered those products from XXXX and therefore, obviously, those products are not the subject of my dispute. No definitely proof is presented by XXXX proving delivery as XXXX claims. 4. Based on XXXX email letter ( XX/XX/XXXX ), Barclays writes me ( XX/XX/XXXX ), denying my claim. Barclays closes investigation and reapplies interest charges for XXXX cellphone. Barclays reverses charge even though my complaint was nondelivery of a XXXX cellphone, not a computer. 5. XXXX XXXX pursues proof of non-delivery of XXXX cellphone ( with assistance of a Barclays supervisor ). Follow-up with XXXX proves XXXX cellphone shipment was delivered and, in fact, considered lost by XXXX. XXXXXXXX further claims XXXX never asked if shipment was proved delivered and did not initiate an insurance claim for the lost shipment. Based on this new information, XXXX is requested to reopen case ( XX/XX/XXXX ). 6. XXXX customer service representative email ( XX/XX/XXXX ) confirms XXXX can not account for XXXX cellphone or its delivery. XXXX reimburses XXXX for XXXX phone cost. Email states processed refund. This is the first attempt by XXXX to refund cellphone cost. 7. XXXX email notice ( XX/XX/XXXX ) confirms refund attempt. Unfortunately, refund is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account. The claim is repeated after subsequent failed attempts. 8 XXXX refund notice ( XX/XX/XXXX ) regarding second attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account. 9. XXXX refund notice ( XXXX regarding third attempt. Refund process is unsuccessful. XXXX claims Barclays rejected XXXX effort to reimburse my account. 10. XXXX customer service representatives email ( XX/XX/XXXX ) acknowledges continued refund problems with Barclays. XXXX customer service representative offers to reimburse me in full via a check from XXXX. 11 XXXX XXXX XXXX ( XX/XX/XXXX ) to Barclays requesting a second provisional credit on my account and an investigation be initiated based on proof that XXXX phone ordered from XXXX was never delivered and due to Barclays blocking refund from XXXX, alleged by XXXX. 12. XXXX XXXX notes ( XX/XX/XXXX ) regarding phone conversation with Barclays customer service representative who tells Barclays will continue dispute investibation. New case number given to investigation. 13 Barclays letter ( XX/XX/XXXX ) stating it is, suddenly and without warning, abandoning efforts to have XXXX reimburse me for the nondelivered XXXX cellphone. Barclays states time has lapsed for opening a second dispute. Yet, Barclays officially reopened the dispute two and a half months ago with a closing date for the case of XX/XX/XXXX. Letter states I should follow up with merchant XXXX for the refund. 14. XXXX XXXX notes ( XX/XX/XXXX ) regarding Barclays refusal to continue investigation. 15. XXXX XXXX notes ( XX/XX/XXXX ) following contact with XXXX customer representative regarding my refund, as Barclays directed. XXXX customer representative states XXXX will not send me a refund check. XXXX will only make a refund if requested by Barclays. I explain Barclays directed me to get refund from XXXX and that XXXX has previously offered to send me a refund. Agent is unmoved. Please let me know if you have questions or need more information. Thank you for your assistance and look forward to your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Attachments : 15
06/03/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web	Older American
I am grateful that the CFPB expects companies to provide complete, and accurate responses to consumer complaints, and responses tailored to the issues described in each consumers complaint, yet in an original complaint against Barclays JetBlue World MasterCard being either lost, stolen, or cloned, their response for the investigation they allegedly made, appears in itself fraudulent, and totally invented. Throughout Barclays FRAUD DEPARTMENT investigation, the company failed to properly manage, respond correctly nor in a timely fashion, to my credit card dispute and fraud claim, as per law, and continue to post their debt collection on my online credit card account. After receiving Barclays Fraud Department XX/XX/XXXX, response to the CFPB, I found four phone conversations with their Fraud Department that I forgot I recorded which are all very contradictory and prove Barclays kept prolonging their investigations, after re-opening of the case just after I called and complained that they returned all the unauthorized charges for me to pay. This newly found evidence assures me that Barclays Fraud department never fully investigated the matter as per their apparently fraudulent response letter to my CFPB complaint. The mutually agreed upon recorded phone calls are months apart from XXXX to XXXX, when I was so tired of speaking hours on the phone altogether, faxing them more and more documents, so I asked my daughter to please follow up. The newly discovered lengthy phone conversation recording I have on an old phone in my possession include one with Barclays XXXX XXXX on XXXX XXXX, XXXX ; Barclays Agent XXXX XX/XX/XXXX, Barclays Agent XXXX on XX/XX/XXXX ; Barclays Agent XXXX on XX/XX/XXXX. All of them insisted the investigations could take up to 90 days but they kept taking more. Apart I have written records of calls with XXXX on XX/XX/XXXX at XXXX who insisted on having a police report made ; with XXXX the manager of the fraud department made on the last Monday, end of XX/XX/XXXX, among others. In Barclays response letter to my CFPB complaint, nothing makes any sense. First it claims I received a fraud alert from them on XX/XX/XXXX and then a passcode to unlock my adult daughters authorized users card because she was traveling, when in fact I never received an alert from Barclays, nor a passcode to unlock her card, but originally phoned the Fraud Department from my Florida, US landline and told them to cancel the card because I was alerted of suspicious activity ( by my computer security program and not from Barclays ) on my daughters card while she was already in XXXX XXXX. Further proof that Barclays response to its investigation of fraud is their response to my CFPB complaint also states, The representative confirmed with you the transactions were reported as fraud, and informed you he would be closing your authorized users card ending in XXXX and replacing it with the above-referenced card ending in XXXX. In fact, in the documents I sent, such as credit card statements, all the charges made on XXXX XXXX were already made from the card ending in XXXX and not ending in XXXX ; so this Barclays stated fact is impossible and further proof of their apparent investigation fraud. Upon receiving my pcs program message to check the credit card account, I immediately saw online large amounts of temporary authorization transactions, so that is why I originally instantly called Barclays to cancel my daughters additional card knowing something serious was wrong since we have never been in the habit of charging such large sums of money and in so many places on the same day. From my Florida, US landline, I finally could reach my daughter on XXXX XXXX, XXXX, not until the afternoon, who was on an emergency 2-day trip in XXXX XXXX XXXX She told me the card was either lost, stolen or cloned because the last XXXX times she used her card in XXXX XXXX was the previous night at a XX/XX/XXXX just near her two-night XXXX rental and then at a late dinner at the restaurant XXXX, leaving just at their usual closing time, before going to sleep. She did not realize until later the same day that her card was missing from her purse since at that restaurant XXXX, they hung up the ladies purses. The next day she told me she called XXXX to talk to the manager who apologized profusely for all the confusion and offered to refund her dinner of {$40.00} which they did shown on my statement period XXXX, since they recognized their responsibility and her innocence and could not explain why her card was missing from her purse. I told her not to worry since I called earlier the same day to Barclays to cancel her card over this fraud and was assured by Barclays that we would not be charged for all the unauthorized charges. Barclays did not say at that time that they would ever return the charges to a later bill nor mention she had to get a police report. Further proof of Barclays invented statement in their response to my CFPB complaint, is if as they state her card was locked, why were charges on her card ending in XXXX even temporarily authorized? I sent Barclays screenshots of the charges appearing on XX/XX/XXXX online and even over the phone questioned them about the time of day they were made and exactly where, seeing that the unauthorized charges were made way after midnight on the XXXX and beyond after I even phoned them early in the morning on XX/XX/XXXX. Next in their response to my CFPB complaint, Barclays states that I said I was in possession of both cards, which is obviously impossible due to the dozens of unauthorized purchases in XXXX XXXX and the fact that I was calling from my Florida landline in the US both on XX/XX/XXXX. At first Barclays took off the reported charges starting the same day, then they reinstated them some two months later which is causing my family extreme hardship since the total unauthorized charges made were over {$3300.00} plus the interest they are charging since I can only afford to make minimum payments on such huge bill for purchases my daughter never made nor authorized, nor received. Over the course of all this time, we have had to conduct our own investigation and sent Barclays over 20 pages of diverse documents of proof and a letter explaining all the minutest details. In the meanwhile, Barclays would send us many misleading letters that were contradictive saying she was the same day responsible and the same day not and so on including letters about her being responsible for the XX/XX/XXXX, XXXX charge which we never disputed nor other charges on XX/XX/XXXX. On other occasions Barclays also asked my daughter to provide more proof such as a police report when it was impossible for her to return to XXXX XXXX to acquire one in a timely fashion in times still of XXXX, so instead, she wrote the receiving company of many of the charges. XXXX XXXX, to send us copies of the bills and when we received them contained many different fraudulent signatures claiming they were hers so we also sent that to Barclays as proof her US passport with her legal signature Later when her US passport expired months later, Barclays demanded to send a copy of her new passport and as well she did. According to our own investigation XXXX XXXX is a credit card phone service application for small merchants used in XXXX XXXX Their three bills sent to us included long lists of separate charges on a single invoice. The three different invoices we received from them were at establishments and times when they are reported online as closed. During the course of our dispute, Barclays would send us misleading letters, some separate on the exact same date saying we were responsible in one, and on the other hand not responsible in the other. I included sending them copies of their contradictory letters. CFPB claims online if there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is {$50.00}. Many cardholder agreements say you are not responsible for any charges in this circumstance. If you have not lost the card itself, but someone steals and uses your account number, you generally have no liability for unauthorized use. Apart from all of the above, the listings of the temporary authorizations that were appearing on my online Barclays account on XXXX XXXX, XXXX, and relisted in my following XXXX statement were different, mostly from the vendor XXXX XXXX and not from each establishment, and did not correctly mathematically add up. The establishments were all over XXXX XXXX where my daughter was not in possession of a vehicle and another charge included was a very far away gas station with very poor online reviews of previous frauds. Finally Barclays is responsible for their inaccurate information and failure to investigate my dispute adequately and for their apparent fraudulent response to the CFPB. I would like Barclays to compensate me for all my losses plus interest which are described and detailed in my original complaint, plus punitive damages for all my time and duress. I have also reported their shoddy fraudulent findings to the ReportFraud.ftc.gov FTC complaint on XX/XX/XXXX, and intend to file a FDIC complaint, consult lawyers about opening a lawsuit, as well as reporting Barclays to the BBB for their misconduct. Thank you for your kind consideration of this matter.
09/20/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	RI XXXXX	Web
Let me start this out by saying this is my third CFPB complaint for this matter. XXXX XXXX has been unfair and deceptive in their handling of this claim and this is a classic example of a UDAAP violation. I have been passed around to various groups, lied to, mis quoted policies in person and in writing etc etc etc. XXXX has done everything in their power to try and make this go away when they are indeed in the wrong. To date I have not got a valid answer on my claim. See below for first two claims. Prior to every conversation I have had with XXXX XXXX I have been told that the call was being recorded, so along with the attached there are recordings of the misleading conversations. The latest response to me states that the new policy does n't apply to me because of when I made the purchase. I was provided the old policy, a useless bank statement with nothing pertaining to this matter other than it saying the policy had changed on XX/XX/XXXX and another insulting explanation for why my claim is not covered. When I spoke to the XXXX representative I specifically asked on a recorded phone call for evidence where I was told that " Purchases made prior to XX/XX/XXXX were subject to the old policy ''. I was actually told in the first conversation after the 2nd CFPB complaint on XX/XX/XXXX that I filed my claim under " XXXX XXXX '' and the policy only covers " XXXX XXXX '' ... I was told the policy specifically says " XXXX XXXX '', which is why I was not covered. I scoffed at this and corrected the representative that in my initial claim i cited the policy correctly, and stated that the reason my trip was intrerrupted was do to a XXXX XXXX ( which is the same as XXXX XXXX ) and that at the time the trip was supposed to happen the XXXX XXXX level at the trip destination was at its highest level. Another example of a deceptive act trying to get me to back off of my claim rather than go forward with the correct amount of due dilligence on behalf of the consumer. I was then told on XX/XX/XXXX that through further research my purchase applied to an older policy that was replaced after the purchase but before the claim was filed. No where in the new policy or old policy or notification I received from XXXX in my XX/XX/XXXX statement does it say " Purchases made prior to X date fall under the old policy ''. In fact it actually says on page 38 under Legal Disclosures " Effective XX/XX/XXXX this guide to benefits REPLACES all prior disclosures, program descriptions, advertising, and brochures by any party. The Policyholder and the insurer reserve the right to change benefits and features of this program anytime. Notice will be provided of any changes '' and also on page 26 the new policy says under terms of coverage for trip cancellation or inturruption " Coverage begins on the date the trip was purchased and ENDS ON THE TRIP DEPARTURE DATE ''. My trip was purchased under one policy and ended under the new policy, which according to the language in the new policy I SHOULD BE COVERED. As the consumer I should not be faulted for a change in policy holder by the Credit Card company. According to the NEW policy my trip should be covered as it falls within the coverage timeframe. This is a potential UDAAP concern and I would like to receive local representation from the CFPB. Despite what I am being told about Purchases made prior to XX/XX/XXXX the policy is misleading and deceptive to the consumer. The CFPB Consumer Laws and Regulations manual V.2 published in XX/XX/XXXX states for Under, Deceptive, or Abusive Acts or Practices ( UDAAP ) on page 5 under Deceptive Acts or Practices that " Written disclosures may be insufficient to correct a misleading statement or representation, particularly where the consumer is directed away from qualifying limitations in the text or is counseled that reading the disclosures is unnecessary. Likewise, oral or fine print disclosures or contract disclosures may be insufficient to cure a misleading headline or a prominent written representation. Similarly, a deceptive act or practice may not be cured by subsequent truthful disclosures. '' The policy goes on to state " Acts or practices that may be deceptive include : making misleading cost or price claims ; offering to provide a product or service that is not in fact available ; using bait-and-switch techniques ; omitting material limitations or conditions from an offer ; or failing to provide the promised services. '' The amount of money I spend each year on my XXXX XXXX compared to the {$1000.00} claim shows how absurd this has become. It costs me nothing to read this policy and poke holes in its language. XXXX XXXX would rather try to make me go away with lies and deception than make this right. I understand my rights as a consumer but others may not and this is a clear cut example of deception and misleading statements. Whether I am right or wrong with this claim the inabilty to obtain a sufficient answer is why I am filing another claim. " Let me start this out by saying this is a repeat complaint. Please see the below in " " for the original complaint which still holds true. " I made a purchase for plane tickets in XX/XX/XXXX. The trip needed to be changed due to XXXX XXXX, which is a covered reason under the terms and conditions of my credit card. XXXX referred me to XXXX XXXX XXXX. When speaking to XXXX XXXX they told me that prior to XX/XX/XXXX they did not handle claims against this card, so they referred me to XXXX : A XXXX XXXX. I submitted all necessary documents to XXXX who then denied the claim based on the reason that " XXXX XXXX is not covered ''. I called them and sent them screenshots from the XXXX XXXX website showing them that indeed XXXX XXXX is listed as a covered reason. The case was reopened, and after weeks of back and forth communication, XXXX sent me back to XXXX as they said i needed to put the claim through them. When speaking to XXXX again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to XXXX. I have not contacted XXXX again but will be and will also be closing my account with XXXX. The runaround i am receiving is terrible business and deserves to be escalated to all levels. I have all of the necessary documentation detailing the above, including written correspondence with XXXX, screenshots from the XXXX website, all necessary receipts etc. I can provide if necessary. '' This past week my complaint was denied by XXXX XXXX citing the policy saying that XXXX XXXX was not a covered reason for trip insurance. They even attached the policy and left me a voicemail telling me to read over my benefits ... which i did before all of this started leading me to file a valid insurance claim. On page 26 of the cardholder benefits policy and on the benefits section on the cards website it says under covered reasons " XXXX XXXX ''. Please see the attached letter where the policy was incorrectly referenced. At this point i have been passed between multiple insurance agencies, because when i made the purchase they were using one insurance company and when i filed the complaint they were using another. The original claim was indeed denied until i cited the policy and then was told it was a valid claim. I have an entire email chain with the original insurance company stating this and also telling me to go back to XXXX. The person i worked with from the Office of the President was unattentive to my claim and the original CFPB complaint. She would take days or weeks to respond to me after leaving me voicemails in inopportune times throughout the work day. She even put me back in touch with XXXX who I was able to determine before filing the CFPB complaint ( without the help of XXXX XXXX ) was not the correct company to talk to ... and they again told me it was not them who can help me ... which I already knew and told had already told XXXX XXXX office of the president when we spoke on the phone. When i tried calling XXXX XXXX again, I left a voicemail and received no response ... just a denial letter and voicemail telling me to check my email. The Denial on the CFPB website with attachments from the office of the president incorrectly cites their own policy, attaches the policy for me to ( re read ) and neglects the fact that " XXXX XXXX '' is listed on page 26 of their policy ( all attached ). All of this was given to the woman working my claim, along with all the other evidence needed including email chain with the original insurance company, all receipts, screenshots from their website etc etc etc ... and clearly ignored. See attached. This is unacceptable business and it is unacceptable that because this company can not figure out the correct insurance agency to put me in touch with or handle for me as a valued customer, I am now out the money that should be paid back to me. At the very least they should have competent people working in customer facing positions who can ACCURATELY AND ADEQUATELY CITE their cardholder benefits policy. If the consumer can read it, the Office of the President for XXXX XXXX should be able to read the policy before falsely denying a claim. At this point the only person that has done their due diligence in this situation is me. ''
12/31/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	MD 20782	Web	Older American, Servicemember
XXXX XXXX XXXX Member Retired from the XXXX and worked 13 years for the XXXX XXXX Prior to being contacted by the XXXX XXXX marketing department in XXXX XXXX I owned XXXX XXXX points prior to the last contract fraudulently sold of XXXX points. The company denied my claim XX/XX/XXXX, hiding behind the oral representation clause as well as declining in XX/XX/XXXX just after the rescission period. Because I was told to call the XXXX desk in XX/XX/XXXX to cash in points for a non-existent program, the company was able to dodge the rescission period. On XX/XX/XXXX this article was published detailing the reports of XXXX XXXX XXXX and retired military. My story was included in the article. XX/XX/XXXX The sales agent that fraudulently sold me the XXXX points, XXXX, called and said they will talk to corporate. XXXX said he was responding to my email and I reminded him the email was eleven weeks old that I sent to XXXX. XXXX said he will talk to me on Tuesday, XX/XX/XXXX, but there is nothing to talk about. The complaint is detailed below. Contract disputed : XXXX points purchased XX/XX/XXXX Purchase price {$76000.00} {$15000.00} down payment {$61000.00} financed at 11.99 % Location of purchase in, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX agent : XXXX XXXX Supervisor XXXX XX/XX/XXXX Email to XXXX XXXX Advocacy To XXXX XXXX Consumer Advocacy XXXX XXXX XXXX XXXX I was sold XXXX points based on deceit and bait and switch. I am asking that my last contract be rescinded, the loan cancelled and all monies from the last transaction refunded. I had been happy with XXXX and my other contracts until the last purchase. I was told at a Virginia sales presentation for XXXX members, by XXXX XXXX sales agent XXXX XXXX, traveling with the XXXX XXXX XXXX XXXX SALES TEAM, that because of a special program only available to those who have been XXXX for five years or more, by purchasing an additional XXXX XXXX points, I could take advantage of a special offer and never again have to ever pay maintenance fees. He illustrated the program on paper. He described how the additional points would be doubled and if I chose to cash them in, they would cover all maintenance fees. In addition, I would still have points left over, more than I had before. This last purchase will bankrupt me because this is not a way to pay for maintenance fees and it hasnt given me double points. It was a classic bait and switch. I was told I would have XXXX points after this additional purchase. Instead I have XXXX more points than the original XXXX I owned ( now XXXX ). My husband was with me XX/XX/XXXX and will attest that he could not follow the logic of what I was being told and sold. XXXX XXXX implied this program had been launched to help raise funds for XXXX and that XXXX was interested in having me participate because I would be purchasing points, and freeing up room inventory when I cashed points in. He explained the program as a way to show gratitude for my being a loyal XXXX member. I could not find anyone to confirm the program and ended up contacting XXXX XXXX. She told me about XXXX new CLARITY program which is about accountability, transparency and respect for the customer. Numbers dont lie. The numbers above are what I was told. XXXX also told me about XXXX XXXX Consumer Advocacy program and advised me to contact the Advocacy department. She provided me a link to the story of XXXX XXXX, a Virginia resident who was sold a program identical to the one described above. XXXX XXXX was told if she purchased additional points, she would be able to pay maintenance fees and have points lift over. XXXX XXXX XXXX Please contact me by XX/XX/XXXX before I file complaints with : The Better Business Bureau The Attorneys General of Maryland, Virginia and Nevada ( I am a Veteran with a XXXX ) The Real Estate Division of Florida against XXXX XXXX The Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX After numerous calls from XXXX XXXX XXXX sales office, my husband and I decided to attend a workshop ( as XXXX Marketing Specialist XXXX XXXX XXXX called it ) to be held nearby at the XXXX XXXX XXXX in XXXX, Virginia. We went to the workshop hosted by the " XXXX XXXX Sales Team from XXXX XXXX, '' XX/XX/XXXX. Since it was called a workshop, we had thought it would be attended by a group of members. When we walked in, there were several tables. A few couples came, but the couples were separated. I signed a contract to purchase XXXX XXXX points on XX/XX/XXXX, and was told this was a special offer for XXXX members who had been XXXX for more than five years. XXXX XXXX said in the workshop I would receive double points which could be used to pay for maintenance fees while still putting me points ahead. He illustrated his calculation on this presentation paper. Starting in XX/XX/XXXX, he said I would be able to cash out points and use the monies received to cover all or some of maintenance. He explained the new program was also an advantage to XXXX because when I ashed in points I freed up inventory. I was told I could call XXXX, tell them how many points I wanted to cash out, and they would send me a check. I could use that check to pay my maintenance fees and still be points ahead. I returned the contract the next day XX/XX/XXXX. I called ahead and said the contract was too costly for my budget. When I arrived, I was presented a new contract with more favorable terms, which I signed. I was told, that by buying XXXX points I would end up with XXXX points. XXXX points I owned prior to the workshop XXXX XXXX x XXXX ( double points ) = XXXX The new contract showed that the annual maintenance fee was the same amount as the annual loan payment. I was sold this program as a way to totally cover maintenance fees and have points left over. The agent agreed with my statement : So my heirs will inherit the points and by cashing in some points they will have no annual expense? In 10 years, once I paid off the loan, my heirs would inherit the point Collections and would not have to pay out of pocket any maintenance fees. When I asked the manager XXXX how soon I could cash in points to pay maintenance fees he said XX/XX/XXXX. I was told I should call the XXXX line and tell them how many points I wanted to cash in. I went on travel immediately after, and told numerous people about my deal. When I got too many incredulous responses I tried to reach my salesman XXXX XXXX, both through his resort at XXXX XXXX, and through the sales offices at XXXX XXXX and XXXX XXXX / XXXX XXXX. No one would give me his number. The XXXX XXXX desk said to phone XXXX XXXX ; I couldnt reach him there. I asked the sales office at XXXX XXXX for assistance on the day I was leaving for XXXX XXXX. The agent assured me he would help and would be in contact the next day. He never called. At XXXX XXXX, the Concierge said it was my right to take advantage of all gifts XXXX was offering, and that because I had just purchased, she encouraged me to see the renovated resort at nearby XXXX XXXX and to accept the gifts and the meeting. At the meeting the agent was apoplectic. He asked, WHY DID YOU DO THIS? YOU HAVE PURCHASED A POINTS BASED CONTRACT AND YOUR MAINTENANCE FEES WILL KILL YOU. I explained the new program. He told me there was huge lawsuit going on and I was mistaken. He left the room and brought in his manager. He asked me to repeat my story to his manager. The manager also said there was no such program. The agent contacted XXXX corporate and had me speak to a relative of his who worked in contracts. She also said there was no such program. The agent left the room. When he returned, he returned, he hustled me out of the office and said the meeting was over, there was nothing he could do. When I got home XX/XX/XXXX, I contacted XXXX XXXX and explained what I understood and said no one had heard of the program he described. XXXX XXXX said it basically would work as he had described and I should let him re-explain it, but, if I really didnt want it, he would look into it. He never contacted me. I wanted to cancel the contract. He said I should reconsider. He did not say we could not cancel so I texted him later that night but had no response. I faxed a letter of request to the rescission team the next day, XX/XX/XXXX, and after a week and several follow up calls, received a call back that said I was past the rescission date. I was not aware of the seven day rescission period because the separate piece of paper that should have been included in the XX/XX/XXXX contract XXXX was not included in my new paperwork. When I contacted XXXX and asked for the rescission information, I was sent a screen shot of the purchasers non-waivable right to cancel for the XX/XX/XXXX contract Number XXXX. As the XX/XX/XXXX contract was revoked, I had not bothered with that piece of paper. The program I thought I was getting is entirely different from what I got. From XX/XX/XXXX, I spent 10 hours with the XXXX XXXX XXXX. Based on the math the team provided, I understood what they hyped but it wasnt what they sold. I had been happy with XXXX and my other contracts. I have been just sick to death, losing weight and sleep. This has become a nightmare.
02/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	CO 80206	Web
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.
06/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92131	Web
On XX/XX/2022, at approximately XXXX XXXX ( PST ), while reviewing my Barclay Card MasterCard purchases I saw four unrecognized/unauthorized pending charges to my credit card. The pending charges were : ( 1 ) XXXX XXXX for {$950.00}, ( 2 ) XXXX XXXX for {$700.00}, ( 3 ) XXXX XXXX for {$650.00}, and ( 4 ) XXXX XXXX for {$18.00}. None of these purchases were made by me, and I had physical possession of my Barclay card. On this same date, I immediately contacted Barclay Card customer service, via phone, and explained that I had noticed some unrecognized/unauthorized charges on my credit card. Customer Service subsequently transferred me to the Fraud Unit. I then advised the Fraud unit of the unauthorized/fraud pending charges on my credit card, during which time they asked me to confirm other charges on my account. The Fraud Unit representative then reviewed the charges on my account and told me that they could see that the four above described charges were fraudulent as that they were all online purchases and further advised me that they would be removed from my account. On XX/XX/2022, I electronically reviewed my Barclay Card MasterCard account and saw that the XXXX XXXX, XXXX XXXX, and the XXXX XXXX charges were now listed on my account as recent ( completed ) transactions. However, the charge to XXXX XXXX was no longer listed in the recent nor pending transactions. At approximately XXXX XXXX., I contacted Barclay Customer Service and asked to be transferred to the Fraud Unit. The representative advised that he wanted a chance to help me and asked what the issue was. I advised the representative of the fraud charges and told them that now the charges were listed in the completed transactions. The representative said that he was reviewing my file and then he told me that he saw that the charges were being investigated by the fraud unit and told me that it may take one to two billing cycles until I would receive a credit on my account for the charges. I told the representative that I still wanted to speak with the fraud department and the representative provided me with phone number XXXX to contact the fraud unit directly. Following that call, I tried calling the fraud unit, but received a message that they were closed for the day. On XX/XX/2022, at approximately XXXX XXXX I called the Barclay Fraud department to inquire about the three remaining charges on my account. During the discussion, the representative advised me that the investigation regarding the charges for XXXX, XXXX, and XXXX XXXX was completed and that transactions were put back onto my account because the investigation determined that I had made the transactions. I assured the representative that I had not made any of the transactions and the representative stated something to the fact that my name had been on the ticket ( airline ticket ) and so the charges were put back onto my account. The representative told me that my only option was to submit proof to the fraud unit that I had not made the purchases and suggested that I contact the police and make a report. I asked the representative why the XXXX XXXX charge was not on the transactions, but that the ones for XXXX, XXXX, and XXXX XXXX were, and the representative was unable to give me an answer. I asked the representative to provide me details of Barclay 's investigation along with the IP addresses of where the online transactions had occurred so that I could do my investigation. The representative told me that they could not give me any details of their investigation and said that I would need to submit a subpoena to Barclay to get the information regarding details of the investigation. I then asked to speak to a supervisor and the representative said that they would send a message to have a supervisor contact me as soon as possible. ( As of the writing of this statement, I have not yet heard back from any Barclay manager. ) The representative then provided me with po box XXXX XXXX, Delaware XXXX as to where I could send the documents with proof of my claim. On XX/XX/2022, I contacted XXXX XXXX Customer Service Representative, XXXX ID # XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then advised that she could check the records to help me in the matter and asked me for my full name and the credit card number so that she could perform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that she was unable to locate any tickets purchased under my name or tickets purchased using my credit card number during the time frame, or any time in XXXX, XXXX. Representative XXXX then advised me that she was going to open up a case ( Case # XXXX ) with the information and submit it to XXXX investigations to look into the matter. XXXX took my e-mail address and said that I should her back from XXXX investigations via e-mail in approximately 5 business days. On XX/XX/2022, I also called XXXX XXXX Customer Service and spoke to Representative, XXXX ID XXXX XXXX, during which time I discussed the fraudulent charge to XXXX that was submitted on my credit card on or around the date of XX/XX/2022. Representative XXXX then freely advised that he could check the records to help me in the matter and asked me for my driver 's license number and the credit card number so that he could preform the checks. After given the information, XXXX then searched the XXXX electronic records and advised me that he was unable to locate any rental transactions under my driver 's license number or my credit card number. Representative XXXX then provided me with an XXXX case number ( Case # XXXX ) and recommended that I send an e-mail ( to XXXX ) and a screen shot of the credit card charge to make a formal request to XXXX to investigate the fraud charge. Following the phone call, I submitted an e-mail to XXXX with details of the unauthorized charge and the screen shot with a formal request to investigate the XXXX fraud charge of {$700.00}. On XX/XX/2022, XXXX Customer Service sent me an e-mail stating that they were unable to locate my reservation and stated that the amount of {$700.00} is for prepaid reservations. I replied to XXXX customer service to cancel any transactions using my credit card as they were unauthorized/fraudulent charges. On XX/XX/2022, I called the XXXX XXXX Store # XXXX, at phone number XXXX and I spoke to Manager XXXX. ( Note : XXXX XXXX # XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ; which XXXX maps shows as being a distance of XXXX miles away from my residence. ) I discussed the fraudulent charge on my credit card from XXXX XXXX and asked XXXX if he could research the transaction. Manager XXXX asked me for the charge amount and the last four numbers of my credit card, during which time I provided the information to XXXX. XXXX subsequently told me that he had found the receipt for the transaction, " ticket # XXXX '', and he advised me that the name on the order was " XXXX ''. I asked XXXX if knew if it was an internet order, phone in order, or an in person order and XXXX said that he could not tell from the receipt and stated that all he knew was that it was a credit card purchase. XXXX said that it was the second customer for the day and said that they did have video cameras in the store, but that he was not sure if he could provide me with the video clip until he asked his boss. XXXX told me that he could e-mail me a copy of the receipt if that would help and I gave him my e-mail address and asked him to do so. XXXX said that he would talk to his boss about the surveillance video and that they ( XXXX XXXX ) would help in any way that they could. Later that day, I received an e-mail from XXXX from XXXX with a copy of the receipt and a message saying that he would contact me once he hears from his boss. On XX/XX/2022, I filed an online report to the XXXX XXXX, CA Police Department in regards to the identity theft and the unauthorized four charges from XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX Police Department subsequently assigned the investigation case number XXXX and e-mailed me a copy of the corresponding Police Report. On XX/XX/2022, I drafted a declaration to Barclay Fraud Investigations disputing the fact that the charges made to XXXX XXXX, XXXX XXXX, and Firehouse Subs were not made by me and I requested that they reinvestigate the matter. I will send this declaration to Barclay Fraud Investigations via certified mail on XX/XX/2022. I have attached a copy of the letter and the documents that I will be sending to Barclay Card Fraud Investigations. Any help or guidance you can provide me in this matter would be greatly appreciated because I feel like I have done most everything possible to show Barclay Card that I did not make or authorize these purchases.
04/26/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91910	Web	Servicemember
On XX/XX/XXXX, I made a purchase with my BARCLAYS credit card from a merchant, named XXXX XXXX for an amount of {$1800.00}. The purchase was for international air travel, with a travel date of XX/XX/XXXX. I was unable to board my flight on XX/XX/XXXX, due to the negligence and/or breach of contract of XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX, but they were non-responsive to my requests for a refund. On XX/XX/XXXX, I sought reimbursement for my missed flight through travel insurance protection that I purchased in addition to the purchase of the airline tickets. However, on XX/XX/XXXX, the travel insurance company, XXXX, denied my claim and stated that the insurance policy I purchased did not cover negligence and/or breach of contract by the merchant XXXX XXXX Some time in XX/XX/XXXX, I contact BARCLAYS via telephone I disputed the transaction with BARCLAYS, and a provisional credit was issued for the full amount of {$1800.00}. I was given a Case Number XXXX. I confirmed on that telephone call I had documentation to support my dispute, and the representative on the phone stated that if XXXX XXXX did not agree with my dispute BARCLAYS would contact me to provide documentation for review before the investigation by BARCLAYS was completed. On XX/XX/XXXX, I received written confirmation from BARCLAYS that XXXX XXXX was notified of my dispute. On XX/XX/XXXX, I happened to log-in to my BARCLAYS online account and saw that the provisional credit for the disputed {$1800.00} charge was reversed. However, I never received any written notification of the reversal, or a request for additional documentation from BARCLAYS prior to that date. I immediately called BARCLAYS on XX/XX/XXXX, and was told by a representative named " XXXX, '' that the investigation under Case Number XXXX was closed because XXXX XXXX provided fraudulent information that claimed I voluntarily missed my flight and provided a copy of its cancellation and refund terms for voluntary missed flights in response to the BARCLAYS investigation. I advised " XXXX '' that BARCLAYS never contacted me during the investigation so I could provide documentation proving I did not voluntarily miss my flight, and I requested that BARCLAYS re-open the investigation immediately. " XXXX '' explained that in order for BARCLAYS to re-open the investigation I must draft and send the request in writing. " XXXX '' explained that in the meantime BARCLAYS could not re-issue the provisional credit, but that any interest on the charge would not accrue while it was still disputed after the investigation was re-opened. Finally, " XXXX '' stated that if I pursued legal action against XXXX XXXX and was successful, BARCLAYS would reverse the disputed charge at that time. On XX/XX/XXXX, I drafted a letter wherein I requested that BARCLAYS re-open the investigation for the disputed {$1800.00} charge, and outlined how I made multiple attempts to correct the charge with XXXX XXXX, but that XXXX XXXX was non-responsive. Additionally, I outlined that under my written credit card agreement with BARCLAYS, I was well within my rights to have the disputed charge removed as I fulfilled all three necessary criteria listed in the BARCLAYS agreement : ( 1 ) The purchase was made in my home state of California via an internet transaction ; ( 2 ) I used my BARCLAYS credit card for the purchase ; and ( 3 ) I have not yet fully paid for the purchase. Finally, I included with my letter several documents, which disputed XXXX XXXX ' claim that I voluntarily missed the international flight on XX/XX/XXXX. On XX/XX/XXXX, I filed a lawsuit against XXXX XXXX for the full amount of the disputed charge of {$1800.00}, plus additional damages. I waited to hear back from BARCLAYS, but I never did. On XX/XX/XXXX, a trial was held in XXXX XXXX County Superior Court, and the Court ruled in my favor for the full amount requested, including court costs, for a total judgment of {$2600.00} entered against XXXX XXXX, which included the disputed charge amount. On XX/XX/XXXX, I still had not heard back from BARCLAYS, but I noticed that the disputed charge was not reversed, and I was still being charged interest on the disputed charge on my billing statement, so I called BARCLAYS on the telephone. The representative stated there was nothing she could do over the phone regarding the interest still being charged, that the investigation was closed, and that I would need to draft a request in writing to have the investigation re-opened. I explained I already had done that, and was waiting to hear back from BARCLAYS regarding the status of the re-opening of the original investigation. The representative simply repeated that I must submit my request to re-open the investigation in writing. I advised the representative that I had successfully sued XXXX XXXX for the disputed charge. The representative told me that so long as I could provide a copy of the Court 's judgment included with my written request to re-open the investigation, then BARCLAYS would finally reverse the disputed charge and credit my account for any previously paid interest associated with the disputed charge. The representative gave me a new Reference Number XXXX regarding my request. That same day on XX/XX/XXXX, I drafted a letter requesting that BARCLAYS re-open the investigation, reverse the disputed charge and any interest charges, and I included a Conformed ( " Official '' ) copy of the Court 's Minute Order from the Trial, as well as additional supporting documentation. As of XX/XX/XXXX, I still had not heard back from BARCLAYS, so I attempted to call, but due to COVID-19 I was unable to get through on the telephone line. So I instead contacted BARCLAYS through my online account messaging tool, asking for an update. As of XX/XX/XXXX, I still had not heard back from BARCLAYS. I again contacted BARCLAYS through my online account messaging tool, asking for an update. On XX/XX/XXXX, I received a response from BARCLAYS through my online account messaging tool : " Dear XXXX XXXX : Thank you for contacting us here at your XXXX XXXX in regards to the decision of your billing dispute. Regrettably, at this time, we can not change the decision of your case through the Secure Message Center. We apologize for any inconvenience this may cause. However, we can confirm the charge of {$1800.00} from XXXX XXXX, is currently in dispute. We also show that a dispute case has been opened for you and we have begun our investigation, which can take up to 45 days or longer to complete depending on the complexity of the case. During the time that the transaction is in dispute, it will continue to appear on your statement. However, the transaction will not be subject to finance charges, and you are not responsible to pay any portion of the dispute transaction during the investigation. Once we receive a copy of the sales draft from the merchant, we may reach out to you and ask you to review it or we may request additional information in order to present the strongest case to the merchant. We would like to make you aware that we will do our best to represent your interests in this case and will work to reach a fair outcome. Once the investigation is completed, we will send you a letter with our findings. If the dispute is resolved in your favor, a credit will be applied to your account. If for any reason we are unable to resolve the dispute in your favor, we will provide you with a reason why we did not prevail and you will be responsible for the transaction. If you have any additional questions regarding your dispute, we ask that you please contact our Dispute Unit directly at XXXX. Our agents are available Monday through Friday : XXXX XXXX - XXXX XXXX ET, and will be happy to assist you. We appreciate the time that you have taken for bringing this matter to our attention, and for the opportunity for us to clarify the situation. Thank you for entrusting BarclaycardUS with your financial needs. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care '' On XX/XX/XXXX, I received a letter in the mail from BARCLAYS that stated the following : " Dear XXXX XXXX : We've carefully reviewed all of the documentation supplied regarding the activity below : XXXX XXXX, {$1800.00}, XX/XX/XXXX. After further review we're not able to assist you with obtaining a credit to your account due to the following : We are outside of the permitted timeframes to continue this claim through the dispute process. We encourage you to continue to pursue credit by contacting the merchant directly. Unfortunately, we can not assist you further with this issue. ''
02/18/2018	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	NY 138XX	Web
We want our last purchase of XXXX XXXX XXXX points costing {$140000.00} cancelled and refunded because we were victimized by XXXX sales agent XXXX XXXX. Purchase price {$140000.00} Down payment {$29000.00} Two Barclays cards were opened to pay down payment Loan balance as of XX/XX/XXXX {$100000.00} We were told to attend a meeting because of the changes XXXX XXXXXXXX XXXX was making described as new information and new opportunities. The information and opportunities described by XXXX XXXX were false and constitute white collar crime, financial institution fraud, fraud for profit, as defined by the FBI. We have learned through an advocacy group we joined XXXX XXXX earned {$1.00} to {$2.00} million a year in commissions at XXXX, and also someone inside XXXX reported to our advocacy group that XXXX XXXX is a financial XXXX. I have connected with another one of his victims, XXXX XXXX, XXXX, also sold by identical misrepresentations and fraud. I am in possession of a report of 42 XXXX XXXX XXXX complaints ( as of XX/XX/XXXX ). Upon checking into the background of XXXX XXXX, it appears he has opened several LLCs. I did not directly check his background, but due to the obvious fruaud, members are working with other members to expose what appears to be widespread corruption.It is rumored he is back in the XXXX XXXX, but there are complaints against three other XXXX XXXX XXXX sales agents and we talked to one of them when we were there. There names are XXXX, XXXX, and XXXX XXXX. An attorney who lives in XXXX XXXX, has been assisting XXXX victims as a volunteer because she was sold by deceit and bait and switch as well. She is now dedicated to assisting other victims. Fraud for profit as defined by the FBI matches exactly what happened to us. I have filed a complaint with XXXX and orally through the public access field office line : " Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry. Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners. The FBI prioritizes fraud for profit cases. '' We owned enough points as we were already XXXX members with XXXX points, but XXXX XXXX presented a program in which XXXX would buy back our points from us or our heirs should a need to sell arise. According to XXXX XXXX, You wont get all your money back but you will get a big piece and your kids can sell back to XXXX. You can make some money on it. It sounded like it would be enough money to buy a house with the proceeds. He also told us how we could reduce our maintenance fees over ten years to nothing using points. He showed us on a piece of paper. XXXX XXXX said we had to purchase XXXX points to be eligible. The purchase price was {$140000.00}. According to the FBI agent I spoke with when reporting through their public access phone line, it is not legal for any company to hide behind fine print, allowing such obvious criminal activity. Account information XXXX we purchased XXXX XXXX XXXX applied to purchase at XXXX XXXX XXXX we purchased XXXX XXXX XXXX XXXX XXXX points purchased Sales Agent XXXX XXXX XXXX XXXX at XXXX XXXX additional points purchased XXXX XXXX Purchase price {$100000.00} Sales agent : XXXX XXXX XXXX and bait and switch is not limited to the XXXX XXXX sales centers. At XXXX we were told to sign a paper. The agent said, Dont sign this yet because wherever you were last they have to hold that price. That price is way below what you would pay today! If you sign this paper you wont get that price. She also said we could not think about it overnight. The offer will expire with this members update, so we were not allowed to think it over. Management does want you to lose this offer because they wont want to honor it because the price is so low. A lawsuit has been filed by XXXX 's second highest producing agent, formerly working for XXXX in Hawaii at XXXX, detailing in a lawsuit she filed XX/XX/XXXX, the deceptive " price freeze '' Case XXXX filed in Hawaii XXXX XXXX Page 10 of complaint # 43 Owners Update is deceptive because it is to sell points. # 44 Customer is told the current list price but the agent has to see someone else. # 48 the sales agent has customer sign a form indicating they were updated and the agent has to have the manager sign off. # 49 the sales manager has reviewed all prior customer contracts and the manager falsely states the customer was given a price freeze but none exists. # 50 ( In bold ) because of the price freeze only today can the customer buy for the discounted price. # 51 ( In bold ) the price given is the real price planned from the outset. # 52 the price freeze never existed because ( a ) The special deal available to this customer only is available to anyone and ( b ) Urgent to buy only for today # 54 this is lucky news for the customer brand new information! # 55 the sales agent waits for the customer to step in There have also been many complaints of XXXX agents selling against each other from Hawaii and US because they are different point collections XXXX XXXX and XXXX XXXX, telling the member they should have not bought one or the other, depending on what side of the XXXX they are on. XX/XX/XXXX XX/XX/XXXX Sales agent XXXX XXXX XXXX XXXX said we should not have purchased XX/XX/XXXXpoints because it would be more difficult to book XXXX stays. XXXX XXXX points purchased Purchase price {$27000.00} Hawaii XX/XX/XXXX Purchase price {$16000.00} XXXXXX/XX/XXXX points Sales agent : XXXX XXXX We were told real estate was harder and harder to come by in Hawaii for XXXX. XXXX is going to start buying points so it made sense to buy Hawaii points because there would be a diminishing number of points available making an attractive investment. ( There has also been a lawsuit filed Friday XX/XX/XXXX by a New York Class Action law firm and a Nevada law firm accusing XXXX of selling points as an investment, violating the Securities Act of 1933. ) My husband worked as an XXXX and is familiar with research procedures. At this point, before we met with XXXX XXXX, we owned a total of XXXX points ( XXXXXX/XX/XXXX and XXXX XXXXXX/XX/XXXX ) We were happy up to this points despite the fact that we were a victim of the deceptive price freeze outlined in XXXX XXXX lawsuit. All purchases up to this point have been paid in full. XX/XX/XXXX Sales agent XXXX XXXX at XXXX XXXX XXXX XXXX said we needed to attend an update because of XXXX XXXXXX/XX/XXXX. When I asked how we would find out about the new programs if we had not come to XXXX, XXXX XXXX said XXXX would send someone to our house. We were told we or our heirs could sell points back to XXXX if we bought XXXX additional points. You wont get all your money back but you will get a big piece and your kids can sell back to XXXX. You can make some money on it. It sounded like we could buy a house with the proceeds. He went on about how we could reduce our maintenance fees over ten year to nothing using points. He was showing us on a piece of paper. Purchase price {$140000.00} Down payment {$29000.00} Two Barclays cards were opened to pay down payment Loan balance as of XX/XX/XXXX {$100000.00} Note number XXXX The ability to sell back the points and no longer have maintenance fees! Sounded great! We were exhausted from being kept in a tiny room for 6 hours of high pressure. We discovered it was a lie ... we are in debt, our maintenance fees have doubled. At this time we are all paid up with XXXX on our other purchases. My husband talked to XXXX XXXX at XXXX XXXX ( VP director of sales ) about the lies perpetrated on us and the financial situation we are in now. She only replied to one email and mentioned claiming financial hardship but no response since. XXXX XXXX When I read the 42 XXXX XXXX reports and also a report of the number ofXX/XX/XXXX up-sells, it really sound like XXXX and their agents are victimizing their most loyal and satisfied customers in an effort to take back their points so they can start over with a new victim and get the initial purchase price again. There is no question the actions of the XXXX XXXX, XXXX sales agents, and Barclays, as Barclays is aware of the volume of complaints, and the criminal nature of the complaints, yet turns a blind eye.
02/15/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91910	Web	Servicemember
On XX/XX/XXXX, I made a purchase with my BARCLAYS credit card from a merchant, named XXXX XXXX for an amount of {$1800.00}. The purchase was for international air travel, with a travel date of XX/XX/XXXX. I was unable to board my flight on XX/XX/XXXX, due to the negligence and/or breach of contract of XXXX XXXX. On XX/XX/XXXX, I contacted XXXX XXXX, but they were non-responsive to my requests for a refund. On XX/XX/XXXX, I sought reimbursement for my missed flight through travel insurance protection that I purchased in addition to the purchase of the airline tickets. However, on XX/XX/XXXX, the travel insurance company, XXXX, denied my claim and stated that the insurance policy I purchased did not cover negligence and/or breach of contract by the merchant XXXX XXXX. Some time in XX/XX/XXXX, I contact BARCLAYS via telephone I disputed the transaction with BARCLAYS, and a provisional credit was issued for the full amount of {$1800.00}. I was given a Case Number XXXX. I confirmed on that telephone call I had documentation to support my dispute, and the representative on the phone stated that if XXXX XXXX did not agree with my dispute BARCLAYS would contact me to provide documentation for review before the investigation by BARCLAYS was completed. On XX/XX/XXXX, I received written confirmation from BARCLAYS that XXXX XXXX was notified of my dispute. On XX/XX/XXXX, I happened to log-in to my BARCLAYS online account and saw that the provisional credit for the disputed {$1800.00} charge was reversed. However, I never received any written notification of the reversal, or a request for additional documentation from BARCLAYS prior to that date. I immediately called BARCLAYS on XX/XX/XXXX, and was told by a representative named " XXXX, '' that the investigation under Case Number XXXX was closed because XXXX XXXX provided fraudulent information that claimed I voluntarily missed my flight and provided a copy of its cancellation and refund terms for voluntary missed flights in response to the BARCLAYS investigation. I advised " XXXX '' that BARCLAYS never contacted me during the investigation so I could provide documentation proving I did not voluntarily miss my flight, and I requested that BARCLAYS re-open the investigation immediately. " XXXX '' explained that in order for BARCLAYS to re-open the investigation I must draft and send the request in writing. " XXXX '' explained that in the meantime BARCLAYS could not re-issue the provisional credit, but that any interest on the charge would not accrue while it was still disputed after the investigation was re-opened. Finally, " XXXX '' stated that if I pursued legal action against XXXX XXXX and was successful, BARCLAYS would reverse the disputed charge at that time. On XX/XX/XXXX, I drafted a letter wherein I requested that BARCLAYS re-open the investigation for the disputed {$1800.00} charge, and outlined how I made multiple attempts to correct the charge with XXXX XXXX, but that XXXX XXXXXXXX was non-responsive. Additionally, I outlined that under my written credit card agreement with BARCLAYS, I was well within my rights to have the disputed charge removed as I fulfilled all three necessary criteria listed in the BARCLAYS agreement : ( 1 ) The purchase was made in my home state of California via an internet transaction ; ( 2 ) I used my BARCLAYS credit card for the purchase ; and ( 3 ) I have not yet fully paid for the purchase. Finally, I included with my letter several documents, which disputed XXXX XXXX ' claim that I voluntarily missed the international flight on XX/XX/XXXX. On XX/XX/XXXX, I filed a lawsuit against XXXX XXXX for the full amount of the disputed charge of {$1800.00}, plus additional damages. I waited to hear back from BARCLAYS, but I never did. On XX/XX/XXXX, a trial was held in XXXX XXXX County Superior Court, and the Court ruled in my favor for the full amount requested, including court costs, for a total judgment of {$2600.00} entered against XXXX XXXX, which included the disputed charge amount. On XX/XX/XXXX, I still had not heard back from BARCLAYS, but I noticed that the disputed charge was not reversed, and I was still being charged interest on the disputed charge on my billing statement, so I called BARCLAYS on the telephone. The representative stated there was nothing she could do over the phone regarding the interest still being charged, that the investigation was closed, and that I would need to draft a request in writing to have the investigation re-opened. I explained I already had done that, and was waiting to hear back from BARCLAYS regarding the status of the re-opening of the original investigation. The representative simply repeated that I must submit my request to re-open the investigation in writing. I advised the representative that I had successfully sued XXXX XXXX for the disputed charge. The representative told me that so long as I could provide a copy of the Court 's judgment included with my written request to re-open the investigation, then BARCLAYS would finally reverse the disputed charge and credit my account for any previously paid interest associated with the disputed charge. The representative gave me a new Reference Number XXXX regarding my request. That same day on XX/XX/XXXX, I drafted a letter requesting that BARCLAYS re-open the investigation, reverse the disputed charge and any interest charges, and I included a Conformed ( " Official '' ) copy of the Court 's Minute Order from the Trial, as well as additional supporting documentation. On XX/XX/XXXX, BARCLAYS reported that they could not reverse the XXXX XXXX charge because they received terms and conditions of purchase from XXXX XXXX that stated " Once purchased, tickets are completely nonrefundable & nontransferable. Any changes and amendments to the reservation are subjected to respective Airline rules and restrictions. '' What BARCLAYS failed to address is that term only applied to VOLUNTARY missed flights, not INVOLUNTARY missed flights. On two separate occasions I was told by BARCLAYS representatives that if I took legal action against XXXX XXXX and was successful BARCLAYS would then reverse the charge and/or issue me a credit to my BARCLAYS account. Again, any length of time that passed regarding reopening my dispute was due to BARCLAYS prematurely closing the dispute and/or not conducting a thorough investigation, and MR. XXXX has provided conflicting information regarding the Court 's findings in my favor against XXXX XXXX, now claiming this legal result has no bearing on BARCLAYS issuing a credit to my account. XXXX XXXX is a company that committed fraud by providing false information to BARCLAYS during the initial investigation. I am a loyal customer of BARCLAYS and expected BARCLAYS to protect me against the fraudulent actions of a company like XXXX XXXX. XXXX XXXX lied to me personally, was negligent and broke the " terms and conditions of purchase '' themselves, and then lost in court when I sued them. Because XXXX XXXX is not a registered business in the two states it claims to operate ( TEXAS & NEW YORK ), I can not locate any of their company accounts to attach and/or garnish the judgment amount from my legal judgment. The only avenue I have to be reimbursed for the original purchase price of {$1800.00} is through disputing the illegal charge through BARCLAYS. This does not account for the additional damages I was awarded by the Court, I am only seeking to have BARCLAYS reverse and/or credit the illegal charge. BARCLAYS refusal to protect a loyal customer against a corrupt company like XXXX XXXX is something I do not understand. Furthermore, in all its communications with me, BARCLAYS has never cited to any state or federal law to support its conclusions, nor to any term contained within the customer agreement I have with BARCLAYS. Given that BARCLAYS has not provided ANY legal support to the conclusions it has reached, I can not understand its response to my complaint. BARCLAYS representatives have told me on two separate occasions that if I took legal action against XXXX XXXX and was successful, then BARCLAYS would reverse the charge and/or issue a credit to my account. Now, after filing a complaint with CFPB, BARCLAYS is claiming the Court judgment against XXXX XXXX has no bearing on whether BARCLAYS will reverse the illegal charge and/or issue a credit to my account. I suppose that now after successfully taking legal action against XXXX XXXX I will be forced to take legal action against BARCLAYS. This is unfortunate, as it is a waste of my time, and not the way to treat a customer.
12/14/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ XXXXX	Web
The Credit Card Company issued this card was : BARCLAYS BANK through their agreement with XXXX XXXX. On XX/XX/XXXX, I received a letter from BARCLAYS BANK telling me that they had permanently closed my VISA Card as a decision was made internally that I was " too risky of a customer to have an Active Line of Credit ''. In spite of the fact that I would make monthly payments to this very card, sometimes up to three-times a month, of $ 700+ on top of the minimum payment required. The entire situation happened after I withdrew cash from an ATM, as allowed by BARCLAYS BANK, to cover an emergency expense at the time. BARCLAYS could not articulate to me the reason why they were charging me, several times, APR interest on purchases and money retrieved from ATMs. The last person I talked to explained that BARCLAYS calculated my interest for the Month at the end of the cicle ( when my Statement closed for the Month ), however, as I shown to this lady, well after getting my interest added in my Account I would continue to get hit with more interest charges which put my balance well-above the 'Credit Limit '. BARCLAYS accused me of being an irresponsible customers for allowing my Balance to go 'above the limit ' for several months in a row. I showed them, to no success, that the charges caused this anomaly were the strange APR Interest calculations added to my Account, sometimes up to 4 times during the same Month. At the time of their letter and closure I wasn't purchasing anything with the card attempting to lower such Balance, however for every {$700.00} I would inject into my Balance as payment ; BARCLAYS BANK would then apply 2-4 " APR Interest Charges '' which were labelled on my Statement as " Administrative Charges ''. Nobody ever helped me understand this and I ultimately paid the price which severely impacted my 'Credit Report/Score '. There are 2 elements which are disturbing about this particular experience : 1. BARCLAYS BANK would " delete '' items from my Monthly Statement, like those numerous 'Administrative Charges ' kept on being added to my already-above-limit Balance. However, their manipulation of data would not be reflected on my smartphone Official App where I could still see how BARCLAYS BANK ( after the Month cycle had closed and APR was added to my Statement ), they would continue to charge me with {$250.00} over and over again. At this time, the Card was not being used by me as I was only paying my Monthly which, every time for one day, would reflect I was well below my Credit Limit only to return back to 'Above Limit ' shortly after. BARCLAYS BANK argued with me that the APR charges for taking money out of ATMs was calculated differently and each of the {$250.00} I saw were related to the ONE-TIME I took money ( {$600.00} ) out through an ATM. I disputed this explanation suspecting fraud and was never contacted again by anyone at Corporate. 2. The very month my Credit Card was closed by BARCLAYS BANK a bizarre situation happened where I had scheduled a {$800.00} payment through the App, confirmed it on the website was reflected for the month of XXXX plus paying another {$380.00} was the minimum due at the time. I had checked my Bank Account and I had more than enough money in my Checking Account to cover such payments. The day it was supposed to be processed, BARCLAYS BANK blocked my Bank 's Transaction ( money was deducted from my Checking Account as it was greyed out as 'Pending ' ). This block continued for 48 Hours until XXXX XXXX, when I called my Customer Service Department, told me that BARCLAYS had denied the transaction and the money was supposed to return back. During this 48 Hours period where BARCLAYS BANK told me to wait, as it could have been just a minor glitch from their system, someone decided to close my Account Permanently. Not happy with that, they kept the money was supposed to be my Monthly Payment and added it to the 'owed Balance for my closed Account '. Later on, to my surprise, I read on the letter the reason for closure had to do with my over the limit balance and inability to make a payment on-time for that very Month. Ever since this disturbing experience I have suspected a foul move by BARCLAYS BANK which impacted me as a consumer. Ever since I got this Credit Line, I would always make on-time payments where the minimum was {$700.00}. In fact, during my vacation in XXXX XXXX on XX/XX/XXXX, I paid BARCLAYS BANK up to {$2500.00} as " Payments '' to cover all my shopping and expenses at the time. I was never a delinquent customer, nor someone struggled to make the minimum payment to them. On XX/XX/XXXX ( months after this situation ) I received a letter letting me know I was part of a CIVIL ACTION LAWSUIT against BARCLAYS BANK, especially related to my VISA Card approved through XXXX XXXX XXXX. On this letter, I was informed that BARCLAYS BANK had violated my rights under the 'Fair Credit Act ' by enacting actions ultimately were aimed at protecting the Bank itself while hurting my Credit Score. Ever since this letter, I have been making my payments to BARCLAYS BANK every single month without miss as I setup the 'Automated Payment Option '. On top of that, I have made additional payments to reduce the Balance on the Credit they gave me which, up until XX/XX/XXXX continued to show ( through my Statements ) activity by BARCLAYS BANK attempting to charge me more 'Administrative Fees '. These were essentially rendering my Monthly payments on a 'Closed Account ' NULL as they would eat the money with these fees. In fact, I confronted BARCLAYS on XXXX, XXXX as I did not understand why they were charging me with 'Interest on Purchases ' on an Account had been closed since XXXX. Furthermore, I showed evidence of the many charges applied by BARCLAYS to my Account which forced my Balance to remain 'Above Credit Limit '. Once again, I was promised somebody would call me ( at the Director Level ) to discuss this discrepancies. Nobody ever called. After this phone call, the strange charges disappeared and my Statements, today, reflect a 'Closed Account ' where the customer ( Myself ) is paying every month well-above the 'Minimum Due '. I feel BARCLAYS BANK abused of me as a customer and even with a CIVIL ACTION LAWSUIT in place, they continued to rob me of my money utilizing " made-up '' policies and fees should not, in reality, have happened in the first place. I would like for the Consumer Financial Protection Bureau to assist me in investigating this scheme resulted in my Credit Score being severely damaged as I firmly believe BARCLAYS BANK had no grounds to do all they did to me. In addition, as a resolution to this matter ( now my Account is well-below my Credit Limit ) I would like BARCLAYS BANK to reconsider and re-open my Account. I should have never lost my VISA Credit Card as I was an exemplary customer paid more than four-times his 'minimum due ' each Month, on time. Even more, on XX/XX/XXXX I brought my Balance to XXXX. All this is recorded in my History with the VISA Credit Card Number they issued to me, in no way ( in my personal, humble opinion ) I ever demonstrated the level of deliquency/irresponsibility BARCLAYS BANK claimed as the prime reason for their decision to permanently closed my Account. I'm writing to you because BARCLAYS BANK is now throwing me in 'limbo ' as no agent from their Customer Service Department can help me as my Account, according to them, can not be accessed through their system. Therefore, as they have shown me I'm at the mercy of more irregularities, fraud and unfair practices masked by an alleged system where I, no longer, appear as a 'Customer of the Bank '. You have my full authorization ( XXXX XXXX XXXX XXXX on XX/XX/XXXX ) to contact BARCLAYS BANK with these facts and my proposed resolution, especially after they were sued for violating the 'Fair Credit Act ' Guidelines. My Account Number with BARCLAYS is : XXXX XXXX XXXX XXXX My Credit Line is at : {$8900.00} ( I started with {$2000.00} and BARCLAYS BANK rewarded me with increases due to my 'Payment History ' ). My APR is at : 24.99 % and cash-advance APR is at : 27.24 % I hope you can help me with this problem has caused me a great deal of stress since that XXXX in XXXX when BARCLAYS BANK decided, unilaterally, to close my Account in spite of the fact I was in perfect standing with them ( Payment History ). Sincerely yours, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX
06/03/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 244XX	Web	Servicemember
STATEMENT OF FACTS On XX/XX/XXXX , I was driving a vehicle rented from XXXX XXXX XXXX . of XXXX XXXX ( XXXX ), in XXXX , D.C. At approximately XXXX XXXX I stopped the car in front of the XXXX XXXX XXXX and XXXX at XXXX XXXX XXXX XXXX ( XXXX ) to try to find a parking space to attend a lecture. I got out of the vehicle to read the parking sign to determine if parking was permitted in that location. Many vehicles were parked on the street and the signage was confusing. As it turned out, I quickly found a parking enforcement officer and specifically asked him if parking was permitted during that time. He informed me that it was not, that he was in the process of issuing tickets, and that I needed to move the car. I thanked him and proceeded to move the car to the XXXX parking garage. On XX/XX/XXXX , my Barclaycard credit card statement shows a charge for {$23.00} for the XXXX Parking Garage at the time in question. At no time did the officer issue a ticket to me either by serving it to me in person while I was standing there speaking to him or by placing a ticket on the vehicle. In fact, the officer never indicated that any ticket would be issued to me. The first indication that there was any issue was a letter from XXXX dated XX/XX/XXXX , and received on XX/XX/XXXX , indicating that I was being charged {$210.00} on my Barclaycard for an alleged parking ticket during the period of my rental and an administrative fee ( they later waived the {$10.00} administrative fee ). At no time prior to this letter did XXXX contact me to determine the facts and circumstances surrounding this alleged ticket to determine its validity. Instead, it elected to proceed on its own and pay the fee to the District of Columbia ( D.C. ) without determining whether it was a legal charge. In doing so, it cut off my rights to challenge the ticket, a challenge that would have been successful. I immediately contacted XXXX on XX/XX/XXXX to notify them that the charge was invalid. A long and unfruitful correspondence began in which I explained to them why the charge was invalid, how XXXX could rectify the issue, and offered to assist them in doing so. XXXX was not only unwilling to consider resolution but offered misleading recommendations that it knew or should have known were unavailable. That correspondence is available if necessary. At no time has XXXX or the District of Columbia provided a copy of the actual ticket purportedly issued, because no ticket was issued. Only copies of electronically generated facsimiles or electronic records have been provided. Despite being provided all of this information, Barclaycard refuses to remove the charge from my account and has not responded to my explanation as to why the charge is illegal. ARGUMENT XXXX claims to rely on the contracts term that the renter is responsible for legal violations, parking incurred during the rental. For a charge to be valid, therefore, it must be legal. That is not the case here. A renter is not responsible for an invalid charge. For example, if D.C. had issued a proper {$100.00} ticket and mistakenly charged {$1000.00} and XXXX paid it, the renter could not be charged {$1000.00} for the error on the part of D.C. and XXXX . Likewise, here, both D.C. and XXXX are in error, and therefore the charge is not legal. As stated above, no ticket was provided to me in person or placed on the vehicle. The Code of the District of Columbia Section 50-2303.03 ( c ) states : Except as provided in subsection ( c-1 ) of this section [ which is inapplicable here ], a notice of infraction shall be served personally upon the operator of the vehicle who is present at the time of service or by affixing the notice to the vehicle in a conspicuous place. Section 50-2303.03 ( c ) provides the legal method of service. A ticket is invalid if not legally served. Legal service of process was never accomplished here, rendering the ticket invalid. Indeed, the parking enforcement officer had every opportunity to serve the ticket because I was speaking to him directly, and he chose not to do so. Instead, he warned me to move the vehicle indicating that otherwise it would be ticketed. Barclaycards records indicate that is exactly what I did by moving it to the XXXX parking garage. It is possible that the parking enforcement officer had been prepared to issue the ticket and perhaps had the information in his system. We will never know because XXXX cut off all rights to contest the record. Instead, what is beyond dispute is that he chose not to issue and serve it in accordance with Section 50-2303.03 ( c ). Had XXXX contacted me instead of paying the alleged ticket when it first learned about it on XX/XX/XXXX , I could have provided the above information to them enabling them, me, or both, to contest it and get it dismissed because D.C. was in error in sending the notice. XXXX chose another route. Without contacting me, in error it elected to presume that the charge was legal. XXXX error of presuming a charge to be legal does not magically make it so. XXXX has been offered a copy of the charge of the use of the XXXX parking garage and a sworn affidavit of the events that transpired as evidence that no ticket was issued ( or if one was physically issued it was never legally served ). In addition, even though I was not obligated to do so, I offered to assist XXXX in its filing of a Motion to Vacate with the District of Columbia to get its funds back that it paid in error. XXXX did not take me up on this offer. On a disturbing note, in my correspondence with XXXX it recommended to me on three occasions that I should contest the issue directly with the District of Columbia. XXXX knew or should have known, however, that by paying the alleged ticket without notifying me it was cutting off my rights to contest the issue with D.C. XXXX has entered into arrangements with localities to automatically pay tickets and, as the legal owner of the vehicle, knows that it is waiving any right the Renter might have to contest the ticket. The District of Columbia acknowledges this fact on their website : " Note : If you are issued a ticket while driving a rental car, rental car agreements provide that a rental party is responsible for all tickets issued to the rental vehicle during the rental period. DC XXXX has discovered that some rental car companies will automatically pay any ticket ( s ) incurred on vehicles and charge the customer the ticket fine plus administrative fees. They will not provide you with the opportunity to adjudicate the tickets, as the adjudication process ends once a ticket is paid even if it going through the adjudication process. As the legal owner of the vehicle, rental car companies are within their rights to use this process. '' XXXX XXXX XXXX ( emphasis in original ). In this case, of course, the ticket was not even issued. The fact that XXXX would repeatedly attempt to divert me to a process that it knew was futile is disturbing. Furthermore, and importantly, this demonstrates that XXXX took onto itself the risk that the charge was not legal, as is the case here, and that it could not recover from the Renter the fees it mistakenly paid. Because there was no legal charge, Barclaycard is precluded from continuing to attempt to collect the funds from me. CONCLUSION Because no parking ticket was issued to me by the District of Columbia ( or, if a ticket was issued it was not legally served pursuant to D.C. law ) there is no legal charge under the contract with XXXX . Rather, XXXX by its own decisions acted in a way that amounted to an admission without information resulting in a cutting off of both its and my rights to contest the invalid charge from the District of Columbia. XXXX can not escape liability for its mistakes by attempting to pass them off to the Renter under a provision of the contract, because that provision does not apply to charges that are not legal. Because the charge is not legal, Barclaycard is not permitted to attempt to collect it. Furthermore, Barclaycard was immediately notified of this dispute when the charge appeared on the card, and was subsequently provided all of the information detailed above.
03/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11364	Web
Week of XX/XX/XXXX to XX/XX/XXXX : Discovered fraudulent charges of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX and {$49.00} Cash Advance Fee made on XX/XX/XXXX on my JetBlue Mastercard credit card account. Called customer service ( XXXX ) to report the fraud, and was assured that an investigation would be made. My JetBlue Mastercard credit card was still in my possession when the fraudulent charges occurred. I do not have an account with XXXX Bank, nor did I never have XXXX, and have never stepped into any XXXX Bank location to withdraw money. XX/XX/XXXX : Called customer service ( XXXX ) again as the fraudulent {$990.00} and {$49.00} charges ( totaling {$1000.00} ) were still on my JetBlue Mastercard credit card account. Per customer service, a fraud claim was not started from my previous phone call, so I asked again for a fraud investigation during this phone call. XX/XX/XXXX : The fraudulent charges of {$990.00} and {$49.00} ( totaling {$1000.00} ) are reversed, and no longer appeared on my JetBlue Mastercard credit card account. During this time, I received 2 new JetBlue Mastercard credit cards in the mail - one ending in XXXX ( like my current card at the time ), and a newer one ending in XXXX ( new account number ). I destroyed the 2 physical JetBlue Mastercard credit cards ending in XXXX ( as instructed per customer service representative ), and activated the new card ending in XXXX. I also received a notice in the mail that an investigation by Barclays JetBlue Mastercard will be made for my fraud claim. XX/XX/XXXX : Noticed the fraudulent charge of {$990.00} from XXXX Bank in XXXX NY XXXX made on XX/XX/XXXX reappearing on my JetBlue Mastercard credit card account, reposted on XX/XX/XXXX. No notification of the investigation claim denial was given to me by mail, email, or phone. Called customer service ( XXXX ) for clarification, and was told that my fraud claim was rejected. Was given the contact number to the fraud investigation department and was told that I could not call them today ( XX/XX/XXXX ), as it was a Sunday, and the department was only open on weekdays ( XXXX ). Locked my Jetblue Mastercard credit card account. XX/XX/XXXX : Called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ), and was told that my fraud claim was rejected because the merchant ( XXXX Bank ) had authorized the transaction. Was told by the Barclays JetBlue Mastercard fraud investigation department representative that I had to call the merchant ( XXXX Bank ) and resolve the fraudulent charge with them. Attempted to call the XXXX Bank in XXXX NY ( XXXX ) multiple times, with messages going straight to voicemail. Called XXXX Bank customer service ( XXXX ), and was told that I could not be helped due to my not having an account with their bank. When asked if there was a specific time on XX/XX/XXXX when the fraudulent transaction occurred, the representative told me that she has no way of finding that out. When I asked if there is any video footage of the suspect making the transaction using my JetBlue Mastercard account information at the XXXX Bank in XXXX NY on XX/XX/XXXX, the representative again told me that she could not help me with this matter. I subsequently called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) to explain my situation - how I was not given an explanation by the Barclays JetBlue Mastercard fraud investigation department on why my fraud claim was denied, how calling the merchant ( XXXX Bank ) did not provide any information ( they in fact knew less about this fraudulent transaction than I did )- and requested an appeal. The Barclays Investigation Appeal department denied my appeal during this phone call without providing me with any clear reasons as to why. These phone calls occurred during the afternoon of Monday, XX/XX/XXXX. I went to my local police department station ( XXXX XXXX XXXX ) that evening to file a police report for credit card fraud. Was told by an officer that I would need to present recent credit card statements, as well as a signed affidavit. I prepared these documents after returning home that night. XX/XX/XXXX : Returned to my local police department station ( XXXX XXXX XXXX ) after work that evening with the aforementioned documents to file a police report for credit card fraud. XXXX Report # : XXXX ( documents attached below ). XX/XX/XXXX : Faxed the signed Barclays Bank Affidavit of Fraud Claimant and NYPD police report ( # XXXX ) to the Barclays JetBlue Mastercard fraud investigation department ( fax # XXXX ). The fraudulent charge of {$990.00} on my JetBlue Mastercard credit card account from XXXX Bank in XXXX NY XXXX was made against me by Barclays JetBlue Mastercard on XX/XX/XXXX. I do not have any accounts with XXXX Bank, nor did I ever have any accounts with XXXX Bank. In addition, I have never stepped into any XXXX Bank location to withdraw money. On Saturday, XX/XX/XXXX, I was working in a hospital in XXXX XXXX XXXX NY XXXX, a 12-hour day shift from XXXX to XXXX. Despite being a loyal customer of Barclays JetBlue Mastercard for the past 5 years with no previous issues, I have been consistently treated unfairly over the past 3-4 months. My first call with JetBlue Mastercard customer service ( XXXX ) to report the fraud did not result in any fraud investigation being started, potentially wasting valuable time. It was not until I called JetBlue Mastercard customer service again nearly 2 weeks later to ask about why the fraudulent charges were still on my account did any investigation effort begin. When the fraud investigation concluded and ended in my claim denial, I was not given any notification - whether by mail, email, or phone. When I called the Barclays JetBlue Mastercard fraud investigation department ( XXXX ) to ask for details regarding why my fraud claim was denied, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX. The Barclays JetBlue Mastercard investigation department representative did not even provide me with a specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred. When I tried to explain to him the stress I have been going through over this fraudulent charge, the Barclays JetBlue Mastercard investigation department representative simply laughed and said " yeah, it's a lot of money. '' The representative ( named XXXX XXXX told me that I was responsible for resolving this issue myself with the merchant, namely XXXX Bank, without providing any specifics on the next steps. After my unsuccessful phone call with the XXXX Bank customer service representative, I called the Barclays JetBlue Mastercard Investigation Appeal department ( XXXX ) in the hopes of finding any additional information as to why my fraud claim was denied. Again, I was not given any specific answers other than what was already stated on my credit card account - that the fraudulent transaction occurred in a XXXX Bank in XXXX NY XXXX on XX/XX/XXXX - and again, no specific time on XX/XX/XXXX when the fraudulent transaction at XXXX Bank occurred was provided to me. The Barclays JetBlue Mastercard Investigation Appeal department representative was unsympathetic to my case, and rejected my request for an appeal during the phone call, as she told me that the investigation has concluded, and that there was nothing left to investigate. I am submitting this complaint to the CFPB because I believe that I have been treated unjustly throughout this entire process. I did not receive any warnings or notifications about the outcome of my fraud investigation request, and neither the Barclays JetBlue Mastercard Fraud Investigation department nor the Barclays JetBlue Mastercard Investigation Appeal department provided me with additional details as to why my fraud claim was denied. I was not even given a chance to appeal the decision, despite the lack of notifications or explanations for the fraud claim denial by Barclays JetBlue Mastercard.
05/24/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	FL 34293	Web	Older American
My name is XXXX XXXX and I am submitting this report on behalf of XXXX XXXX, a XXXX XXXX. I have helped over 50 families file a complaint over what they describe as predatory use of the XXXX at XXXX XXXX as well as claims of unauthorized use of the XXXX to buy vacation points as well as deceptive and " bait and switch '' tactics are apparent in every complaint. Please do not forward this to XXXX XXXX because I am told the CFPB will not investigate timeshare as the XXXX investigation has been dropped and the complaints against XXXX are about the same tactics XXXX employs based on the testimonies I have taken. There could be retaliation against me. I do not feel safe. It is alright to publish as I doubt XXXX will read it. Sources tell the the CFPB has been rendered ineffective, at least for timeshare as I believe the CFPB dropped their investigation of XXXX XXXX. Now I direct victims to the FBI filing under Financial Institution Fraud. I called the CFPB for verification directed to a New York office, but the person I called would not return my calls. My cell is XXXX EST if someone could please call me to let me know why victims should continue to file with the CFPB. The many I sent CFPB, including me, have only received an emailed acknowledgment. This is a list of the victims I have helped, just those willing to go on record followed by XXXX 's report. There are over 50 total. XXXX and XXXX are particularly tragic. XXXX 's loan was cancelled only after I sent a draft article. XXXX was denied. I am a former XXXX XXXX. I prepare reports in the manner I learned writing court reports for XXXX XXXX on behalf of XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX XXXX Chapter 1 XXXX XXXX XXXXXXXX XXXX and Member stories XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX Barclays Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX A XXXX Family XX/XX/XXXX XXXX : XXXX How to File a Complaint XX/XX/XXXX CFPB Deleted XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Clarity Review XXXX XXXX XXXXXXXX HOA Collections XX/XX/XXXX XXXX XXXX XXXX A Military Family XX/XX/XXXX XXXX : XXXX AZ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Member Sponsored Advocacy Group XX/XX/XXXX XXXX : XXXX XXXX XXXX for Timeshares Soul XX/XX/XXXX XXXX : XXXX XXXX XXXX Lawsuit XX/XX/XXXX http : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX {$20.00} XXXX Whistleblower Jury Award XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX The Peasant of XXXX and the Queen of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX and the Barclay Card XX/XX/XXXX XXXX XXXX XXXX Real Estate Is it or Isnt It? XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 2Q Results XX/XX/XXXX XXXX : XXXX XXXX and XXXX XX/XX/XXXX XXXX XXXX XXXX Latticework XX/XX/XXXX XXXX XXXX XXXX XXXX Buys XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Member number XXXX Contract number XXXX Arizona XXXX XXXX US Collection points purchased XX/XX/XXXX at XXXX XXXX XXXX XXXX Total purchase price {$29000.00} Amount financed {$24000.00} Current balance {$20000.00} Interest rate 15.99 % XXXX down payment {$4500.00} Maintenance fees {$1600.00} XXXX paid in full purchased in XXXX, Arizona XX/XX/XXXX XXXX said she is a silver member, but she must be temporary Silver because Silver is XXXX Agent was XXXX XXXX Agent sales number XXXX XX/XX/XXXX TO : XXXX XXXX Advocacy XXXX for violating XXXX Code of Ethics XXXX XXXX at XXXX BCC to XXXX XXXX XXXX XXXXXXXX XXXX XXXX is asking for a loan cancellation and full refund for her XXXX point purchase due to deceit, concealment, violation of trust and bait and switch defined as White Collar Crime by the FBI. The agent said that if I submitted 3 referrals per year then that would waive my maintenance/annual fees. There are many other misrepresentation listed below. Due to automatic denials based on misrepresentations, I have advised XXXX to file a complaint with the BBB, FBI at IC3.gov and XXXX for violating XXXX Code of Ethics one week from the date of this submission and then the FTC, NV AG and AZ AG as well as with the Nevada State Real Estate Division against sales agent XXXX XXXX . Thank you for your consideration. XXXX XXXX In XXXX words : Last year we went to XXXX and stayed at XXXX XXXX. The sales agent said the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the deal she was offering me. There was a " free '' trip but I had to pay {$1000.00} before I could even book the trip. I was never told of the 5 day cancellation policy. ( NOTE from XXXX : It was in the contract so you will be told you should have read it ) I did n't have the money for a down payment so she " talked to her manager '' who decided they could put the down payment on their credit card and finance the rest so double interest charges. She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. She claimed the interest rate on what XXXX financed would be no higher than 13.99 % when in fact it is 15.99 %. ( Note from XXXX : You will be told it was in the documents. Many dont know their interest rate until they get the loan paperwork in the mail due to sales presentation exhaustion ). I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. ( This is why recording the QA session as part of Clarity only harms the consumer as it strengthens XXXX position in court or arbitration ). I felt very rushed and pressured throughout the entire process. I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. I have a hard time using the timeshare because everything is always booked. Original message from XXXX Hi, thank you for taking the time to talk to me. So I had originally purchased the sampler from XXXX. Never really used it until last year we went to XXXX and stayed at XXXX XXXX with family. So I had to do the presentation thing. Well the agent who was selling to me told me all kinds of things like the timeshare would be tax deductible like mortgage interest, that the deal is so great that if she was n't already an owner she would take the d al she was offering me, there was a " free '' trip except come to find out I had to pay {$1000.00} before I could even book the trip, I was never told of the 5 day cancellation policy, then when it came to financing I had to put a down payment down. Except I did n't have a down payment so she " talked to her manager '' who then decided that they could put the down payment on their credit card then they could finance the rest so double interest charges. She also told me that I could easily get a personal loan or like a home equity loan to refinance it so that the interest was less. She claimed the interest rate would be no higher than 13.99 % when in fact it is 15.99 %. I called to ask questions after we returned home and I actually had time to look at the paperwork. It was Day 6 since signing so I could n't cancel, and no one had any answers for me when I asked about the financing and interest rate. They fly through signing the paperwork with a different person and your selling agent is never to be seen again. I felt very rushed and very pressured throughout the entire process. I told her I wanted to take the offer back to my room and think about it. She told me that if I left before buying then she could not offer me the deal I was getting. I have a hard time using the timeshare because everything is always booked.
06/07/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75189	Web
On and/or around XX/XX/XXXX, the Complainant discovered an erroneous charge on the Barclay account for the amount of {$71.00}, made on XX/XX/XXXX, from merchant. Therefore, Complainant opened a dispute claim through credit card Dispute Department ( Case # : XXXX ). Complainant contents that merchant erroneously charged Complainants Mastercard {$71.00}, for a service that was under a false account and under an address in error. In fact, according to merchants Customer Care/Services determined that the account was not established and was non-existent and should not have generated any charges for the non-existent account and against Complainant. During repeated phone conversations between the merchants various operators, merchant stated to refund Complainant {$71.00} immediately and/or by XX/XX/XXXX. Notwithstanding, merchant had failed to refund the Complainant for said {$71.00} and as promised by the merchant. Based upon a priori circumstances, merchant is a complex service and comprised of various sectors and levels when faced with customer service. According to merchant, there are more than one customer service representative and more than several sectors to each merchants client. Therefore, it is common for merchant to make a simple error as information is mixed up, through various channels in the business service sector. Merchant contents that once an error is identified through its quality control department, merchant will make all necessary adjustments to correct the error. In this case, the error was discovered by Complainant however, merchant failed to make proper correction/s for their own error and failed to refund Complainants Mastercard ( {$71.00} ). As Complainant presented this matter to the merchant, merchant stated that a refund would be provided within a week and/or up to a months time. Despite merchants statement/s, merchant NEVER refunded Complainant. Therefore, Complainant opened a dispute claim with Respondent Mastercard Dispute Services in an effort to rightfully reverse the erroneous charge/s back to merchant. Respondent credit card dispute investigated Complainants claim and during a phone conversation on XX/XX/XXXX, Respondent investigator requested any proof that service was not rendered on the account and that Complainant did not authorize any service on the account. Hence, on XX/XX/XXXX Complainant provided Respondents Dispute Department with the following to support Complainants claim/s thereof, EXHIBIT 1 - Renters contract Complainant resided in XXXX until XX/XX/XXXX and moved to XXXX at XXXX XXXX XXXX EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from XXXX XXXX on XX/XX/XXXX ). Therefore, evidence shows that Complainant NEVER resided at XXXX XXXX XXXX as merchant wrongfully claim/s, EXHIBIT 2 - Utility Bills show that Complainant resided at an address of XXXX XXXX from XX/XX/XXXX XX/XX/XXXX ( Complainant moved from address on XX/XX/XXXX ), EXHIBIT 3 - Text messages show that Complainant refused service at address in error, XXXX XXXX XXXX, EXHIBIT 3a - Recorded phone conversations between Complainant and Merchant Merchant admitted error and promised to reimburse charge for {$71.00}, EXHIBIT 4 On XX/XX/XXXX, Complainant provided Respondent with details proving that Merchant was in error and charged Complainants account based on frivolous claim/s, and, EXHIBIT 5 On XX/XX/XXXX, Complainant provided Respondent with additional information details proving that Merchant was in error and charged Complainants account based on frivolous claim/s. The documented evidence provided by the Complainant and delivered to Respondent Dispute Department, Respondent did take into consideration supporting documentation and failed to include the evidence that would disprove merchants claim/s and support Complainants position in the case overall. Evidence provided by the Complainant such as ; Complainants Renters Agreement, Utility Bills and Text Messages prove that Complainant did not authorize to service the address in question ( XXXX XXXX XXXX XXXX ). Text Messages, Recorded Phone call conversation/s between the merchant and the Complainant prove that Complainant did not authorize and/or refused any service at the address in question yet, the merchant proceeded to create and generate a bill as if service were rendered at the error address from XXXX of XXXX and through XX/XX/XXXX. During recorded statement/s between Complainant and/or merchants service operator/s, merchant admitted that merchant was responsible for the error and merchant would reimburse Complainant {$71.00} on and/or before XX/XX/XXXX. Furthermore, merchant admitted that merchant mistakenly billed the Complainant {$71.00} identified a wrong address of XXXX XXXX XXXX XXXX. According to the Respondents Dispute Department, by conjecture it appears that during Respondents investigation into the dispute claim, merchant purposely misled and provided false information to Respondents despite evidence gathered and collected by Complainant that would prove otherwise. At any regard, merchants tort feasance represent a level of depravity and prevarication in this case. Therefore, Complainant has followed through and opened a separate Consumer fraud case against merchant and currently seeking a third-party assistance into this separate case matter. Despite the overwhelming evidence to support Complainants claim, Barclays Dispute Department closed the dispute case based on merchants terms and conditions. Notwithstanding, the Respondent failed to take into consideration the preeminent factors and circumstances of the case. Instead, Respondent Dispute Department based their determination on a non sequitur in reference to merchants terms and conditions. Furthermore, on the basis of Respondent 's determination, the " merchant 's terms and conditions '' DO NOT SUPPORT MERCHANT 'S CLAIM WHATSOEVER! THE FACT STILL REMAINS THAT MERCHANT CREATED AND ENACTED UPON A FALSIFIED ACCOUNT AND/OR " ACCOUNT IN ERROR '' THAT WAS USED TO WRONGFULLY CHARGE AGAINST CLIENT AND ILLEGALLY TAKE CLIENT 'S MONIES UNDER FALSE PRETENSE/S. Hence, Respondent 's reference to merchant 's terms and conditions do not support nor satisfy any reasonable reasoning to disprove Complainant 's claim and/or " close '' Complainant 's dispute case thereof and/or hereof. Although Complainant provided the Respondents Dispute Department with viable evidence in support of Complainant, the Respondent failed to follow the basic standard of principles when evaluating, analyzing in determining a justifiable decision based upon preeminent factors and/or viable evidence to consider in parity. Complainant admonishes the fact that a decision that is based upon nonpareil terms and conditions only presents a level of quandary to the investigating party ( Respondents Dispute Department, et. al. ) and opens a grievance pertaining to ( but not limited to ) ethical and/or moral conduct under merchant fair business practices and standards, under Federal and State regulatory statutes thereof and/or hereof. With respect to investigating any and/or all fraudulent claim/s, careful attention must be given to the strict procedural requirements under Federal regulatory mandates that involve the investigative processes and/or procedural practices overall. Concomitant to Federal and State guidelines against fraudulent charges by the merchant, a decision that is proven to be nonpareil and/or based upon frivolous reasoning corollary may and/or may not impede upon the Consumers rights overall. ( Note : Merchant is engaging in illegal activity under falsified pretense by charging and taking monies from Client. ) Complainant asked merchant to disengage in illegal, fraudulent charges against complainants account and to lawfully return both credit/s of each at {$71.00} ( combined total of {$140.00} ) back to complainants Mastercard account and owed back to the complainant.
09/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OR 97321	Web
Barclays is not resolving my dispute and not being responsible. I am XXXX XXXX XXXX, have a XXXX score of XXXX and have never done a chargeback with Barclays. Here is what happened : I paid XXXX ( XXXX ) XXXX ( online video and animation service ) {$6200.00} between XX/XX/XXXX to XX/XX/XXXX. I paid another {$1400.00} between XX/XX/XXXX to XX/XX/XXXX. Total {$8000.00}. The merchant would not do work unless prepaid. All work was part of a Phase 1 campaign due the first week in XXXX XXXX - invoices document most detail clearly. I have a signed document from XXXX as part of a campaign rollout for a project that was to include XXXX characters, segments, XXXX wife XXXX, etc. Again, the invoices and emails, support chats and all I provided to Barclays lays it all out and is clear. XXXX and rigging animation services are expensive and also require significant time ( so I trusted the merchant and used XXXX as a layer of protection from a previous experience with a service, unrelated ). Online they claim to work with XXXX, XXXX XXXX large companies and they told me they have a studio that works with XXXX. The signed XXXX I got from them says they have 11 years of experience, 825 clients, 59 employees, and completed 3,288 projects. They are located in XXXX, allegedly. I am in Oregon. XXXX did not deliver any of the 3-D promised projects ( animated video ) or anything in time for our agreed deadlines. Bottom line, XXXX never delivered the entire Phase 1 marketing as agreed. There was some initial turnover in staff at XXXX ( they said promotions ), so I gave them the benefit of the doubt to continue as I needed the Phase1 asap and too far in to stop and find another service. Finally, after only getting two complimentary '' XXXX videos where I provided voiceover and all video at my expense, I could not wait any longer. This is an excerpt from the SIGNED Phase 1 proposal text from XXXX XXXX XXXX to me : Our phase 1 strategy will lay our foundation to build out phase 2 in a rapid and focused manner. We will never sacrifice quality in return to release something that does not meet our high standards. With that in mind, we anticipated having a rollout of phase one in the first week of XXXX. We talk to XXXX multiple times every day, so we are working hard to get this phase one done. We look forward to earning your trust, not by words but by results. Let 's light this rocket together! Here is the online chat with the COO XXXX XXXX ( my very first contact in XX/XX/XXXX ) of XXXX who signed the doc for a XXXX delivery ( given to Barclays as well ) : Visitor XXXX ( XX/XX/XXXX ) online-chat I can not get ahold of anyone XXXX - remember all the calls- I have paid, nothing done, now on the verge of getting fired. We have time to salvage, but need to talk asap - no one reponds to me at all. What is happening? I did not do anything wrong, just keep paying- I am reasonable, you know my XXXX- please call me asap ( XXXX ) XXXX XXXX Can I fly down tomorrow to meet you? ( XXXX ) XXXX XXXX Seems like you guys no longer care about me... we were best of friends when I started ( XXXX ) XXXX XXXX I paid all bills - immediately ( XXXX ) XXXX XXXX from my own pocket ( XXXX ) * XXXX XXXX left the chat * ( XXXX ) XXXX XXXX what? ( XXXX ) XXXX XXXX you just left? ( XXXX ) XXXX XXXX you told me I could trust you XXXX XXXX, here is part of the email I sent to XXXX from XX/XX/XXXX : From : XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Subject : proposal - please reply asap Hi XXXX XXXX I have tried repeatedly to make contact to no avail. We really have 2 options at this point. One simply refund all monies. I have lost status with my group and have vouched for you beyond your understanding based on our conversations. I am the same guy never hard to communicate with. Two Into small chance we want to work on healing our relationship and retaining me as a client quietly, I recommend we complete some baseline Annex work and eliminate half the paid order. This gives you an out. I need the XXXX and XXXX cadet content as listed below : 1. I am assigned a PM who is not new 2. You explain to me in detail what happened so we both understand and can build trust I am willing to work past if I know real truth, even if bad. 3. I have access to the creative team instead of a constant back and forth filter it would save us all time. Ultimately, nothing changed and I lost my job and salary as I was not able to deliver and a {$10000.00} bonus just for context. My main contact kept changing from XXXX, to XXXX to a new guy named XXXX. XXXX sent some 3D drafts and I was encouraged to continue. Then they all disappeared- XXXX, XXXX and XXXX along with the XXXX XXXX whom I spoke to initially as well. After several calls, I was told verbally by the project manager that all of those workers as well as the CEO ( XXXX who also talked to me at the beginning ) were gone : fired for fraud. So I was not going to get anything delivered unless new people started over. Who would reasonably continue? At this point, they assured me verbally that they would refund my money call my bank and they would handle. Apparently, that was also a lie. Barclays told me that the merchant delivered work. I assume they mean the two complimentary videos? There was not one 3-D item completed and what I paid for as Phase 1 due in XXXX never arrived. Not one thing and I can detail as shown in invoices and in emails. I lost my job over this. Now Barclays is denying a refund, claiming several things : XXXX. Barclays first sent a letter that they investigated and they say the merchant says they delivered how? I can not prove that something didnt happen The FTC states I am not required to prove innocent I simply want them to refund they did not do anything. Put my payment history, credit and the ridiculous amount of work and hoops I am doing here against their actions it is unfair. 2. I called the Barclays XXXX office. XXXX there said they would look into it. No updates. 3. Today I get a letter Despite our best efforts, we were unable to obtain a credit for you from the merchants bank, and we must now consider the matter closed. How is that even my fault? I used XXXX and Barclays for the added layer of protection isnt that part of the 25 % interest and fees this card charges. I have XXXX power in this relationship and it is so wrong. My balance with Barclays would be a credit after this refund but now I owe all this for no delivery and lost my job?? XXXX appears to be straight up scammers. No one has looked at the correspondence and contact me in detail. I offered to travel - who does this when they are at fault? I reported to Barclays as soon as I saw the issue after asking for a refund from the merchant to no avail. Their entire team at XXXX working with me vanished. Again, per my last contact, I was told they would refund the money, just call the credit card company, they will not dispute. They said that they fired all my contacts for fraud as I asked over and over where everyone is They also said they would give me 50 % off next project if I had one. No ne would trust that. Bottom line, they took my money, delivered unusable content as drafts and then their team left. They missed every deadline and simply did not deliver on promises work gave me a complimentary 2-D 60 sec video 2x that was it. 100 % theft and Barclays has a fiduciary responsibility to me to refund for fraud. I have all documentation that a reasonable person can review. Is this what thew FTC and CFPB envisioned for consumer rights? I will visit whatever local office or travel to resolve this if you need me to do so. I can not afford to be swindled out of {$8000.00}. Barclays is trying to stall me so I go away, in my opinion. I will be contacting my State senator next. Then proceed based on advice.
06/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80220	Web
This is a detailed recounting of the events that have transpired over the course of the last 9 months, and a reporting of the serious malpractice by the Barclays fraud department. PRECURSOR : I signed up for the BarclaysUS card back in late XXXX because they had a special promotion with XXXX where you didnt have to pay interest for a full 12 months. I purchased a XXXX and payed it off over the next year. Thats the only transaction I ever made with the card, and the account was unused from late XXXX until XXXX of XXXX. I kept it open because apparently thats better for your credit score. On XX/XX/XXXX two withdrawals were made at a XXXX XXXX XXXX in XXXX, Colorado. One withdrawal for {$300.00}, and a second one a few minutes later for {$500.00}. These withdrawals were not made by me, and I didnt find out about them until a month later when I received a notice from my credit score app letting me know that my score had dropped due to a late payment. Upon finding out, I immediately reported the fraud to the fraud support team, they credited my account, and an investigation ensued. In XXXX I received a letter stating that the investigation had closed and NOT been resolved in my favor, with the reasons being unclear. I called to get more details on the case and investigation, which they couldnt provide. They advised me to submit a formal statement of fraud along with a police report if I wanted to dispute their decision. I did some of my own investigating and was able to pry the zip code of the ATM in question from one representative ( after multiple told me that either no info existed or that they were not allowed to give me that info ). Theres only one XXXXXXXX XXXX in that zip code, which I called and they were able to confirm that they had record of the withdrawal in question. They also confirmed that they had security footage of the ATM, but that they were only able to disclose it to the police or other official party such as Barclays. With all this info I filed a police report, and nothing was done. They didnt care enough to do anything. Nonetheless, a report was filed. MAIN INCIDENT : With the police report and info about definitive security cam footage, I sent BarclaysUS a formal statement of fraud in XXXX. After faxing this I called to make sure they received it, to which they said they had and that my account would be flagged for review by a supervisor to look into it again. This never happened. I called in about two weeks later and they said they had no record of me sending anything in, but once I gave them the exact date that I had sent it in they were indeed able to locate it. In early XX/XX/XXXX I received a letter stating that the case had been closed in my favor, and that the money would be returned to my account. I was initially quite relieved, but a week or so later, the money had not been returned and I was still being charged late fees. I called in to see why, and they said that the letter was sent in error, and that the case had actually been closed not in my favor ( again ). When I asked if my additional documents had been reviewed, they said they had not received any documents. I had to again point to the exact date for them to locate it. They reopened the case again, saying that they would again flag the documents for review by a supervisor. This cycle repeated, with them closing the case due to not being able to find my documents. Each time the case was closed I called and they told me they had received no documents. Each time I gave them the date and they were able to find them, and they said they would flag the documents once again. Theyve now reopened my case about 5 or 6 times from XXXX until XXXX, each time somehow still being oblivious to the documents, and closing it. They still, after 7 months of investigation, have not reviewed my documents or looked into the security footage. To me this seems like a massive violation of my previous trust in this company with my finances. It also seems like serious malpractice in my opinion. MORE INCIDENTS : In between all of this there have been numerous other problems. For one, I have not been able to speak to a supervisor or manager, despite asking on at least 15 separate phone calls. Apparently there isnt ever one available, and the only way to talk to one is by scheduling a callback. The problem is I started requesting them months ago and Ive never gotten one. At first I was told manager callbacks happen within a few hours ( a complete and utter lie which I was told many times ). Lately theyve been saying manager callbacks happen within 10 business days. I work from home, and have my phone on ring always. I also check my missed calls. Nothing. The fraud support team is also for some reason the only department at Barclays that seems to not care at all about this issue. All the other departments Ive been on the phone with regarding this issue have been have been very empathetic and helpful. Even though theres nothing they can really do since its not their department theyve filed complaints for me and tried to come up with alternate solutions. Quite a few of them expressed shock upon hearing my situation and my dealings with the fraud department. In complete contrast, the fraud team could not care less, repeats scripts, consistently lie, and essentially stonewall me until I give up for the day. At this point I tell them Im upset because 6 months later my documents or footage havent been looked into because of an apparent error with their file system, they say theres nothing to do other than flag it for review by a supervisor again. Then I tell them that theyve already done that many times and it doesnt seem to be working, and they say theres nothing else to be done. Their reply to all of my qualms is mmmm, Im sorry Mr. XXXX, there is nothing I can do for you. Over and over until I give up and accept the review by a supervisor option. UPDATE XX/XX/XXXX : Today I finally got a supervisor call back. He was very deceptive. At first he told me that the specialty team ( the people in charge of actually investigating ) had reviewed the documents in XXXX and still ruled not in my favor. I told him I didnt think that was the case since I had recently spoken to multiple people saying they hadnt been reviewed. After a lot of pushing he admitted that he didnt actually know, he was just assuming. He finally went to look at the documents himself and couldnt find them. He then changed tone and told me that my documents actually hadnt been reviewed because they hadnt been faxed to the right department ( it was faxed to collections, apparently ). The specialty team cant see those documents. The thing is, I faxed the documents to the number that a fraud support representative gave me. So they gave me the wrong number. I also dont understand how after 5 months and dozens of reps looking at those documents ( but struggling to locate them at first ), no one mentioned that. Ive had them re-flag the files so many times. There have been so many problems locating them. This should have been noticed a long time ago. Just goes to show how little anyone in that department cares. CONCLUSION : That about wraps it up. Because of this incident my credit score is down over 200 points from 790 to about 580. This is my first ever negative mark. I've re-faxed the documents to the new fax number and am still awaiting an update. This whole situation has been unbelievable. They've denied my case so many times without actually reviewing my documents. The reason they haven't reviewed the documents is because of an error on their end that went unnoticed for 6 months despite constant calling. They have continually lied straight to my face on most calls just to get me off the phone. This kind of thing shouldn't be allowed.
02/24/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CA 92629	Web	Older American
Follow-up response to Barclays response of XX/XX/XXXX ( attached ) to CFPB Complaint XXXX of XX/XX/XXXX : Dear Barclays Representative, Thank you for the prompt response to my initial Consumer Financial Protection Bureau ( CFPB ) inquiry. And thank you for clearly stating what Barclays protocols are and that they were followed. But as you did not address my second fair resolution recommendation, it is clear that you have missed the critical point. Technically, as you stated, all the existing protocols and processes were followed by Barclays personnel. But to state it directly, so that there is no misunderstanding, Barclays internal processes are inadequate when something goes awry. But they can be improved. The processes currently contain Single-Point-Failures and when those failures occur, they can cost your customers XXXX XXXX of dollars and severe degradation of their credit ratings which can lead to many other significant negative consequences. Let me explain from a technical perspective. First off, I want to clarify that I am not some annoying pest. I am a professional system designer that has lead the design of many complex aerospace systems as well as internal operating procedures and processes. That is why the Single-Point-Failures in Barclays internal processes are readily apparent to me. I am not trying to criticize Barclays, I am just acting as an outside non-advocate reviewer that has identified some escapes made by your process designers and providing recommendations on how to correct them. If Customer service is very important to us, as your CFPB complaint response states, then you should seriously consider the findings of this review, and proactively implement process improvements to eliminate the potential erroneous negative consequences for your customers. Understanding the Single-Point-Failures : " " Email is an inherently unreliable system. It is much better than it was, but with the onslaught of spam and countering spam-filters, emails may technically be received by the recipient but never seen. There are several other ways that email may not be received or seen, but spam filtering is a common one. It is because of these endemic complications with email that it is essential to establish a bidirectional email communication link before relying on it for critical mailings. The Barclays program to minimize internal costs by defaulting to email delivery ( paperless statement notifications ) is a valid attempt at improving efficiency, but it needs to be established with a reliability level appropriate for the consequences of failure. The current processes function fine when everything goes right, but they also need to be designed for potential failure conditions. Sending billing statement notifications via email have the potential Failure Mode of not being received and/or read by the customer for several reasons. If there is no other means of providing this information to the customer ( which there currently is not ), this communication approach has a Single-Point-Failure potential that will result in an interest charge and a late fee to the customer. And this is the worst kind of Single-Point-Failure because it is Unannunciated to both the sender and recipient, and thus it can be repeated over and over again, which is exactly what happens. The subsequent email communication failures have a 100 % probability of occurring since whatever caused the initial email communication link to fail is still in existence and the emails repeatedly go into a black hole. After two or three of these failed billing statement notifications, the Barclays process automatically reports the delinquency to the Credit Agencies and ruins the customers credit rating, which is a very significant consequence. In the CFPB response that Barclays provided, it is stated that Barclays notifies the customer before sending negative reports to the credit reporting agencies by including information About Credit Bureau Reporting on the back of the never received emailed billing statements. The failure to notify the customer before reporting them to the credit agencies is obviously subject to the same Single-Point-Failure that not receiving the billing statement is. This failure to notify is a Common Cause Failure as it will always occur when the initial Single-Point-Failures occur. Process XXXXedesign to Eliminate the Single-Point-Failures : " " What the current Barclays process is missing is Redundancy. It relies on only one unreliable and never verified system of communication. And that process can result in two levels of consequences to the customer ; an interest charge and late fees which have a negative financial impact, and detrimental credit agency reporting which can have serious financial and life altering impacts to a customer. The amount of Redundancy for each of these consequences can be different, but it needs to be appropriate for the level of significance. First off, if email is to be utilized for billing notifications, then a test email needs to be sent to the customer and returned to Barclays to establish a closed-loop email communication link. Barclays does this for the US Post Office mail communication link and the Telephone communication link when they mail the credit card to the customer who then validates that it was received by activating it via telephone. Secondly, just because an email link is established, it does not mean that the customer will always receive the paperless statement notification. Depending on the level of Customer Service quality that Barclays wants to establish, a follow-up USPS mailed invoice or a telephone call would provide an independent second communication link to eliminate the Single-Point-Failure of one emailed paperless statement. Dual Redundancy is the appropriate level for the interest charge and late fee consequence. Thirdly, if two or three paperless statements are not responded to and it is nearing the timeframe to provide a delinquency credit agency report, the consequence to the customer is significant enough that at least three independent means of communicating to them should be performed ( USPS mail, Return-Receipt mail, Telephone Call or Text, etc. ), or until an actual customer connection is made. It is essential that the customer be aware that there is going to be a negative credit agency report filed and given the chance to rectify the situation before the detrimental report is made. Triple Redundancy is the appropriate level for this consequence. In a world of cold and indifferent automation, reaching out to the customer would be a respectful and decent human courtesy. Conclusion : " " Hopefully my point is now clear on Barclays culpability in the unnecessary injurious credit bureau reporting that I, and undoubtedly several other folks, have experienced. And hopefully it is also clear that I am not trying to be hostile and am genuinely trying to help Barclays improve their customer service and consequent customers experience. Ideally, Barclays will see this letter as valid customer feedback, and will adapt to the current era of striving to provide an exceptional customer experience by proactively taking the recommended process design changes seriously. Please share this letter with XXXX XXXX. Thank You. P.S. As an indication of how readily Single-Point-Failures occur in Barclays processes, the letter from Barclays that was allegedly sent to me on XX/XX/XXXX was never received. The mention of it in Barclays response to this CFPB complaint was the first I have ever heard of it. If it was sent via email, you just reaffirmed my point about the unreliability of email. It also was not attached to the CFPB response as was stated, so I still do not know what it said.
01/17/2022	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NY 11727	Web	Older American
Hello. Our names are XXXX and XXXX XXXX, and we need your help with escaping from a financial deathtrap that we find ourselves in with tXXXX XXXX XXXXllowing companies : XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX a non-bank lender of consumer loans for the purchase of timeshare interests. XXXX. XXXX the issuer of XXXX XXXX XXXX XXXX XXXX. In the XXXX, we purchased a one-week timeshare in XXXX XXXXXXXX XXXX We happily used it for one week every year for decades. As of XXXX, our only financial obligation for this timeshare was a maintenance fee of approximately {$2000.00} every year, which equated to about {$160.00} per month. XX/XX/XXXX : ENCOUNTER WITH DIAMOND RESORTS On XX/XX/XXXX, we were on vacation in XXXX XXXX, and we were contacted by XXXX XXXX to attend a presentation the following day at breakfast. At that presentation, a XXXX representative told us that our one-week timeshare ownership structure at XXXX XXXX would soon no longer exist and that we needed to purchase points to continue vacationing. He said points were more valuable anyway because they could be passed to our children. The salesperson spoke very fast and gave us many documents to sign, without allowing us time to read them over. At the time, we were ages XXXX and XXXX. We are now ages XXXX and XXXX. Shortly after our vacation, we suffered many health problems ( discussed below ). XXXX and Barclays sent bills and we blindly paid them because we had too much else going on to question why they were asking for so much money. Only recently were we able to sit down with our son and go through all the XXXX paperwork. After doing so, we now know that the documents we signed on XX/XX/XXXX, obligated us to purchase XXXX XXXX points for the price of {$80000.00} plus {$3000.00} in closing costs. The paperwork shows that the XXXX points were paid for as follows as reflected in the enclosed ATTACHMENT XXXX, which includes : ( a ) {$8200.00} trade-in credit for our XXXX XXXX XXXX XXXX that we would have kept if we werent told it was going away ), ( b ) {$11000.00} on a Barclays card with a 19.99 % interest rate, and ( c ) {$63000.00} in a XXXX XXXX loan with a 14.3969 % interest rate. LATE XXXX : HEALTH COMPLICATIONS Shortly after our XXXX XXXX vacation XXXX XXXX was diagnosed with XXXX XXXX and was told he would be undergoing XXXX treatment between XXXX and XXXX. In XX/XX/XXXX, XXXX underwent XXXX XXXX XXXX. Enclosed at ATTACHMENT 2 is a letter from our doctor XXXX XXXX XXXX XXXX, which details our health problems and explains that we are unable to travel. A few months after XXXX XXXX XXXX, we called XXXX and explained that we could not afford to pay the bills they and Barclays were sending us ; that we did not understand how we became obligated to pay them ; and that we could not travel even if we wanted to due to our health problems. We were told that getting out of the purchase would be very difficult. We spoke with XXXX Transition Department and were told to apply to the XXXX XXXX XXXX XXXX Department. We were told we would need to submit many different medical documents and financial records. We did not understand what we needed to do so we called back. Each time we called, we were more and more confused about how to apply for a hardship and our time and understanding was, and is, limited due to our critical health problems and our age. We are hoping that reaching out through the CFPB will help resolve things quickly so we may have some peace as we work on improving our health. WHAT WEVE PAID FOR SOMETHING WE NEVER WANTED, NEVER USED, AND WILL NEVER USE Despite not understanding how we ended up owing such a large amount of money or how a credit card was opened in our name, while we were going through our major health complications in late XXXX through XXXX, we paid the amounts seen on the document enclosed as ATTACHMENT XXXX. During that time, we did not have the time or energy to question everything and were afraid of what would happen if we did not pay all the bills we received. Only recently were we able, with the help of our son, to piece everything together. In total, we have paid {$36000.00} for something we never wanted and that we have never, and will never, use. XX/XX/XXXX : UNEXPLAINED CHANGE IN INTEREST RATE AND PAYMENT AMOUNT We would also like to know why the monthly payment XXXX XXXX asked us to pay changed in XX/XX/XXXX. The Truth in Lending Act Disclosure given to us in XXXX ( enclosed as ATTACHMENT XXXX ) showed that our monthly payment would be {$990.00} with an interest rate of 14.3969 %. This is the amount statements show we were billed ( and paid ) monthly in letters received from XXXX XXXX through XX/XX/XXXX. The new monthly amount ( {$1000.00} ) was reflected in a letter from XXXX XXXX dated XX/XX/XXXX ( enclosed as ATTACHMENT XXXX ). The letter displayed a list of possible explanations for the change in payment amount but none of those reasons applied to us. Specifically, all the reasons related to a change in how payments were made, including terminating participating in a SurePay Plan, closing a designated bank account, not maintaining a sufficient balance in the designated bank account, stopping payment on the SurePay Plan, revoking the SurePay Plan authorization, and not making payments on the SurePay plan when due. None of these reasons apply to our situation because we never signed up to pay via the SurePay Plan. While we now see that a box on the TILA disclosure is checked that mentions SurePay, we were never provided a SurePay Plan ( whatever that is ) to fill out and every monthly payment weve ever made was initiated by XXXX after receiving a monthly statement. Why is XXXX allowed to put one payment amount and interest rate in an official disclosure and then just change it months later? WHAT WE ARE ASKING OF XXXX AND BARCLAYS We recently received a letter dated XX/XX/XXXX, which states that our current balance for the Diamond loan is {$61000.00}. It was just {$58000.00} in XXXX. We think the balance on the Barclays card is around {$8200.00}. Weve paid these two companies {$36000.00} for absolutely nothing. Money that we desperately need to use to care for ourselves in our old age. We are asking for the following : XXXX. Barclays : a. Return to us {$6200.00} that weve paid them. b. Cancel any remaining balance. c. Remove any negative credit reporting. XXXX. XXXX : a. Refund to us the {$30000.00} weve paid them. b. Cancel any remaining balance and memberships. XXXX. Return to us either our XXXX XXXXXXXX timeshare ( so we can gift it to our children ) or the additional {$8200.00} at which XXXX valued our XXXX XXXXXXXX timeshare when they told us it was going away. d. Remove any negative credit reporting. e. Take back their timeshare. If XXXX and Barclays refuse to do the above, we want them to explain to us ( and to the CFPB ) : XXXX. Why XXXX told us that our XXXX XXXXXXXX timeshare was going away and that we needed points to continue to vacation when we were there in XX/XX/XXXX. We now realize this was probably a lie. XXXX. Why XXXX decided to change the interest rate and payment on the XXXX loan nearly a year after they made a TILA disclosure reflecting a different payment and interest rate amount. XXXX. Why we were not given proper information about the opening of a Barclays credit card. XXXX. How much money they were paid when someone else used our timeshare interest in the past two years when we were unable to use it. We think they need to pay that money to us if they dont give us a refund. Thank you to the CFPB for your assistance. And thank you in advance to Diamond and Barclays for helping to fix this situation and improve our lives. Sincerely, XXXX and XXXX XXXX
12/27/2021	Yes	Payday loan, title loan, or personal loan Installment loan	Struggling to pay your loan	11727	Web	Older American
Hello. Our names are XXXX and XXXX XXXX, and we need your help with escaping from a financial deathtrap that we find ourselves in with the two following companies : 1. XXXX XXXX XXXX XXXX XXXX, XXXX a non-bank lender of consumer loans for the purchase of timeshare interests. 2. Barclays the issuer of Diamond Resorts International World Mastercard. In the XXXX, we purchased a one-week timeshare in XXXX XXXX XXXX We happily used it for one week every year for decades. As of XXXX, our only financial obligation for this timeshare was a maintenance fee of approximately {$2000.00} every year, which equated to about {$160.00} per month. XX/XX/XXXX : ENCOUNTER WITH XXXX XXXX On XX/XX/XXXX, we were on vacation in XXXX XXXX, and we were contacted by XXXX XXXX to attend a presentation the following day at breakfast. At that presentation, a XXXX representative told us that our one-week timeshare ownership structure at XXXX XXXX would soon no longer exist and that we needed to purchase points to continue vacationing. He said points were more valuable anyway because they could be passed to our children. The salesperson spoke very fast and gave us many documents to sign, without allowing us time to read them over. At the time, we were ages XXXX and XXXX. We are now ages XXXX and XXXX. Shortly after our vacation, we suffered many health problems ( discussed below ). XXXX and Barclays sent bills and we blindly paid them because we had too much else going on to question why they were asking for so much money. Only recently were we able to sit down with our son and go through all the XXXX paperwork. After doing so, we now know that the documents we signed on XX/XX/XXXX, obligated us to purchase XXXX XXXX points for the price of {$80000.00} plus {$3000.00} in closing costs. The paperwork shows that the XXXX points were paid for as follows as reflected in the enclosed ATTACHMENT 1, which includes : ( a ) {$8200.00} trade-in credit for our XXXX XXXX XXXX XXXX that we would have kept if we werent told it was going away ), ( b ) {$11000.00} on a Barclays card with a 19.99 % interest rate, and ( c ) {$63000.00} in a XXXX XXXX loan with a 14.3969 % interest rate. LATE XXXX : HEALTH COMPLICATIONS Shortly after our XXXX XXXX vacation , XXXX was diagnosed with XXXX XXXX and was told he would be undergoing XXXX XXXX between XXXX and XXXX. In XX/XX/XXXX, XXXX underwent XXXX XXXX XXXX. Enclosed at ATTACHMENT 2 is a letter from our doctor , XXXX XXXX XXXX, which details our health problems and explains that we are unable to travel. A few months after XXXX XXXX XXXX, we called XXXX and explained that we could not afford to pay the bills they and Barclays were sending us ; that we did not understand how we became obligated to pay them ; and that we could not travel even if we wanted to due to our health problems. We were told that getting out of the purchase would be very difficult. We spoke with XXXX XXXX XXXX and were told to apply to the XXXX XXXX XXXX XXXX Department. We were told we would need to submit many different medical documents and financial records. We did not understand what we needed to do so we called back. Each time we called, we were more and more confused about how to apply for a hardship and our time and understanding was, and is, limited due to our critical health problems and our age. We are hoping that reaching out through the CFPB will help resolve things quickly so we may have some peace as we work on improving our health. WHAT WEVE PAID FOR SOMETHING WE NEVER WANTED, NEVER USED, AND WILL NEVER USE Despite not understanding how we ended up owing such a large amount of money or how a credit card was opened in our name, while we were going through our major health complications in late XXXX through XXXX, we paid the amounts seen on the document enclosed as ATTACHMENT 3. During that time, we did not have the time or energy to question everything and were afraid of what would happen if we did not pay all the bills we received. Only recently were we able, with the help of our son, to piece everything together. In total, we have paid {$36000.00} for something we never wanted and that we have never, and will never, use. XX/XX/XXXX : UNEXPLAINED CHANGE IN INTEREST RATE AND PAYMENT AMOUNT We would also like to know why the monthly payment XXXX XXXX asked us to pay changed in XX/XX/XXXX. The Truth in Lending Act Disclosure given to us in XXXX ( enclosed as ATTACHMENT 4 ) showed that our monthly payment would be {$990.00} with an interest rate of 14.3969 %. This is the amount statements show we were billed ( and paid ) monthly in letters received from XXXX XXXX through XX/XX/XXXX. The new monthly amount ( {$1000.00} ) was reflected in a letter from XXXX XXXX dated XX/XX/XXXX ( enclosed as ATTACHMENT 5 ). The letter displayed a list of possible explanations for the change in payment amount but none of those reasons applied to us. Specifically, all the reasons related to a change in how payments were made, including terminating participating in a XXXX XXXX, closing a designated bank account, not maintaining a sufficient balance in the designated bank account, stopping payment on the XXXX XXXX, revoking the XXXX XXXX authorization, and not making payments on the XXXX XXXX when due. None of these reasons apply to our situation because we never signed up to pay via the XXXX XXXX. While we now see that a box on the TILA disclosure is checked that mentions XXXX, we were never provided a XXXX XXXX ( whatever that is ) to fill out and every monthly payment weve ever made was initiated by us after receiving a monthly statement. Why is XXXX allowed to put one payment amount and interest rate in an official disclosure and then just change it months later? WHAT WE ARE ASKING OF XXXX AND BARCLAYS We recently received a letter dated XX/XX/XXXX, which states that our current balance for the XXXX loan is {$61000.00}. It was just {$58000.00} in XXXX. We think the balance on the Barclays card is around {$8200.00}. Weve paid these two companies {$36000.00} for absolutely nothing. Money that we desperately need to use to care for ourselves in our old age. We are asking for the following : 1. Barclays : a. Return to us {$6200.00} that weve paid them. b. Cancel any remaining balance. c. Remove any negative credit reporting. 2. XXXX : a. Refund to us the {$30000.00} weve paid them. b. Cancel any remaining balance and memberships. c. Return to us either our XXXX XXXX timeshare ( so we can gift it to our children ) or the additional {$8200.00} at which XXXX valued our XXXX XXXX timeshare when they told us it was going away. d. Remove any negative credit reporting. e. Take back their timeshare. If XXXX and Barclays refuse to do the above, we want them to explain to us ( and to the CFPB ) : 1. Why XXXX told us that our XXXX XXXX timeshare was going away and that we needed points to continue to vacation when we were there in XX/XX/XXXX. We now realize this was probably a lie. 2. Why XXXX decided to change the interest rate and payment on the XXXX loan nearly a year after they made a TILA disclosure reflecting a different payment and interest rate amount. 3. Why we were not given proper information about the opening of a Barclays credit card. 4. How much money they were paid when someone else used our timeshare interest in the past two years when we were unable to use it. We think they need to pay that money to us if they dont give us a refund. Thank you to the CFPB for your assistance. And thank you in advance to XXXX and Barclays for helping to fix this situation and improve our lives. Sincerely, XXXX and XXXX XXXX
01/25/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	VA 22153	Web
In XX/XX/XXXX, I purchased a prepaid car rental through XXXX for a car rental in XXXX XXXX, FL. On XX/XX/XXXX, I paid the full balance of {$230.00} ( amount of the car rental ). On XX/XX/XXXX, I received a car from the car rental company ( XXXX ) in XXXX XXXX that looked like they retrieved it out of a swamp, i.e., doors where the tape had taped the door shut, and it smelled as if somebody had tried to XXXX themselves by smoking with the doors shut and the windows rolled up. We could barely ride to the XXXX with the windows down, whereupon we purchased vent deodorizers along with spray to neutralize the smell inside the vehicle, and sprayed the ceiling, posts, doors, carpet, and seats within the vehicle. We walked around while the car sat with the windows down until it dried and we could get back into the vehicle. On XX/XX/XXXX, I contacted the rental car company which refused to answer their customer service calls, and had no online process. I went back through XXXX and explained the problem. I should have received a full refund, but anything at this point would have been a plus since I prepaid for this vehicle and they totally took advantage of me. On XX/XX/XXXX, XXXX was able to provide me a {$50.00} credit back to my credit card after they spoke with XXXX. This was better than nothing. I saw this credit on the following XX/XX/XXXX statement. I did not request a refund as I had every intention of using the card again in the next 60 days. The balance was {$0.00} with a credit balance of {$50.00}. On XX/XX/XXXX, the statement reflected a credit given on XX/XX/XXXX with a statement credit balance of {$50.00} on the XX/XX/XXXX statement. Same on the XX/XX/XXXX statement. However, their website reflected a credit balance still, so I wasnt concerned. Their website is very confusing with the credit balance versus the transaction balance. Then on XX/XX/XXXX, they state on the statement that they mailed a check to me which never arrived at my home.... Ever, and still has not. On XX/XX/XXXX, I had charged {$99.00} for a Wyndham Owners Weekend event, thinking that I would be able to utilize the {$50.00} credit towards this, since I had not knowledge that they arbitrarily mailed a check, which still has not arrived. On XX/XX/XXXX, I called their customer service number regarding the confusion on their website about the {$50.00} credit balance and resulting {$0.00} balance showing, and the fact that they are now showing me owing them {$99.00}. I waited on line no less than 30 minutes due to call volume. Finally, a live female voice comes on the line, states that computers are down, information is not available, and call back, later and she then hangs up before I can say a word. I pay the {$49.00}. I also send a message through the message center regarding my credit balance. I have alerts set up on this account for just about everything. No response came to me via phone, text, nor e-mail. They just left a response online on the account which I did not see. On XX/XX/XXXX, I receive an e-mail message that my payment is coming due for {$50.00}, and that {$27.00} is the minimum due. I call again, and wait on a representative. I called the dispute line. On XX/XX/XXXX, I spoke with an XXXX regarding the XX/XX/XXXX check that was allegedly sent to my address which never arrived, that the statement credit only showed up on the XX/XX/XXXX statement the first time, and that this really did not fall in line with credit card company procedures for issuing a refund which never occurs in less than 60 days, and that at the time that I had made the {$99.00} charge, the online transaction portion was still reflecting a {$50.00} credit. She had me hold on line for 20 minutes while she was supposedly resolving this for me. According to her they were cancelling the check and mailing me the {$50.00}. I should receive it in the mail in 7-10 days. On XX/XX/XXXX, I spoke with an XXXX @ XXXX XXXX., who still claimed that Barclay had sent me a check on XX/XX/XXXX. I asked to speak to a supervisor, XXXX. He proceeded to tell me that XXXX misinformed me and that she had no right to tell me that she could resolve this as the dispute would take 7-10 days to research and resolve. Apparently, customer service oversees the dispute department???. I ask about why when I wrote to them in XXXX as invited to do on XX/XX/XXXX when they hung up on me, and requested the funds why it was not researched and returned then. He had not answer. I requested that the {$50.00} be placed in dispute. He then told me that the {$50.00} was NOT in dispute at all that they had sent the check ( which never arrived - ever ). I informed him that I have not received any credit back to my account, nor received a check. He informed me that when Barclays has a debt that they pay it in a check form. This is now preposterous. It is usually back to the account in the manner in which it was paid. I have online statements. I pay via online transactions. I dont send them checks. This is absolutely ridiculous. On XX/XX/XXXX, I then had to get online and pay the {$50.00} remaining from the {$99.00} transaction to protect my credit because I could not trust that Barclays would EVER refund my {$50.00}. After all, this was refunded by XXXX on XX/XX/XXXX, and I still did not have it, nor was able to use it in 4 months, even though Barclays claimed to have sent it to me on XX/XX/XXXX. By this time, I am convinced that Barclays or Wyndham is attempting to defraud me of my {$50.00}. I am convinced that Barclays or Wyndham or both are in serious financial difficulties if they must resort to defrauding customers or customer satisfaction refunds. On XX/XX/XXXX, I called at XXXX XXXX, and spoke with a XXXX who placed me on hold while she pulled up my account. AGAIN verified my address for the umpteenth time ( as each person has done during these procedures and calls ), even though I had verified my name, SSN, DOB, Acct #, etc. 3 times before ever getting to speak to a representative, and then doing it again multiple times once I get to somebody. I told her my check still has not arrived. She placed me on hold while she checked resources. She provided me a case # XXXX,. Check should be reissued within 7-10 business days. XX/XX/XXXX, I receive a letter in the mail via USPS which basically states : This letter is in response to your recent inquiry on your Wyndham Rewards Visa Card Account. We are currently unable to complete request. Please contact us at the number on the back of your card for additional details. We are available 24 hours a day, 7 days a week. On XX/XX/XXXX, At XXXX XXXX, I call and speak with a XXXX ( female ), who informs me that they credited the {$50.00}. Back to my account. Im just stunned. I move online back over to transactions, and confirm that yes, there is now indeed, a {$50.00} credit placed back onto my account re : the XX/XX/XXXX check. I ask why as there is a {$0.00} balance on this account. She places me on hold while checking and then tells me that she has requested the check to be sent to me, and that it will be 7-10 business days. Today is Saturday, XX/XX/XXXX. I have been attempting to either spend/utilize the credit of {$50.00} on my account, or to receive the alleged check for {$50.00} credit on my account again due to the ( XX/XX/XXXX check ) since XXXX, XXXX ( 5 months ). I feel like I am in a proverbial game of keep away. Frankly, I do not understand this. I pay my bills on time. I use my credit wisely. This is just beyond ridiculous. Please help me get my {$50.00} back.
09/26/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	TN 371XX	Web	Older American
I am reporting this complaint on behalf of timeshare members who have reached out to me. XXXX XXXX is an obscure publication but we have received 150 timeshare complaints. We received the following six over the weekend. The company has responded by saying, " If something was important to you, it should have been added to the contract. '' The oral representation clause provides no means to stop deceit and bait and switch. After receiving the complaints over the weekend, I wrote this article for those facing foreclosure : XXXX XXXX XXXX It is not necessary to forward the complaints to XXXX XXXX. Nothing will happen. I am providing the information to the CFPB in the hope someday someone will care about deceit widespread and endorsed top down. I have interviewed or heard from ten current and former timeshare sales agents supporting the members ' complaints. One member in her XXXX fears she will lose her home because of a deficiency judgment, according to the person who reached out to me. I also sent the complaints and the following note to the following individuals. Several families contacting us are financially devastated. All I can do to help them is direct them to file regulatory complaints. I would prefer you not contact XXXX. First XXXX and XXXX executives I learned wanted to accuse me of " Capping and Running '' or soliciting for lawyers. I am not compensated. I have received no compensation from any timeshare member or attorney in any form except several lawyers edit my articles. Next, I was told a XXXX attorney said I was practicing law which my lawyers say is nonsense. In other words, the goal is to behead the messenger. No attempt to my knowledge has made to correct deceitful practices. My husband is XXXX years old. I am XXXX. We were up-sold by XXXX. Our daughter lives in XXXX. We were told they were adding XXXX hotels. It would take {$12000.00} approximately in maintenance fee dollars to stay one week at the same hotel booked online for {$2800.00}, checking year round. To XXXX XXXX, XXXX XXXX XXXX, XXXX PR firm XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX for Violating XXXX 's Code of Ethics XXXX XXXX XXXX : XXXX These are six complaints from the weekend from members who have reached out for help. XXXX refuses to help them. The response is, If it was important to you, you should have had it added to the contract or Your QA session was recorded. I hope XXXX XXXX reads XXXX Code of Ethics after reading the complaints below. Out of 144 XXXX complaints, 139 allege they were upsold to the next loyalty level as that being the only way to sell points and the well-known XXXX cents point to pay maintenance fees, and the dueling agents from Hawaii and the mainland convincing the member they should not have purchased points from the other side of the ocean, although Hawaii complaints have slowed. Complaints against the Virginia sales centers are increasing. In my opinion, the Virginia Attorney General, via XXXX, has no interest in pursuing complaints. Someone who worked the XXXX XXXX market for decades, hysterical over XXXX complaints warned me that the Virginia AG would take no interest. There is no reason to send this report to XXXX. They could care less. I would like XXXX XXXX to know she is not alone. There are many telling us they will be forced to foreclose. Most can not afford a lawyer. XXXX XXXX XXXX Complaints : # 139 - {$140.00} from XXXX XXXX through XXXX XXXX, 2017 Please help! We want to start a new class action lawsuit for XXXX XXXX XXXX. Besides the high pressure sales experience they straight LIED to us numerous times about their sampler package and are being given the round around every time I call. My husband and I could n't believe how much they lied about! Then they went through a copy of the contract while they said our contract was " printing '' so assumed they were n't lying when they brought the real contract to find when we got home and tag through it more they were lying about that too!! After a hour tedious sales presentation where they make you feel like your not good parents for not taking your kids on vacation we were wore down by the time we did the sampler and did n't think legally they could lie pretending they went over the entire contract to find out we were just scammed into signing ... i am sure they do this to all their sampler customers so could be proven easy with some phone calls to sampler purchasers ( they also mentioned being bought out by a much larger company not too long ago but are keeping the XXXX XXXX name ). # 140 Arizona resident When I researched what the sales agent told us we learned the sales agents lied so we cancelled. # 141 A female in her XXXX is being helped by # 140 through the foreclosure process. She has depleted her retirement savings. She is in fear of losing her house because of a XXXX XXXX and Barclaycard payments. She can not travel so the points are useless. XXXX has been of no help. # 140 said she is contacting all their local television stations and newspapers. # 142 We were told to buy points at the price we purchased because XXXX bought XXXX and they will raise the price per point to {$8.00}. We were not aware XXXX points are worthless on the secondary market. Virginia Sales agent XXXX XXXX told us we would be able to refinance at XXXX XXXX at 6 % for ten years. XXXX XXXX does not offer this. Fees were not what they promised. This is not the first complaint against XXXX XXXX. XXXX told him they will not cancel the loan and reminded him the QA session was recorded. I warned XXXX that recording the QA will only benefit XXXX. Typically, the sales agents say, dont tell anyone about this because it is not public and I could get in trouble or something similar. I have purchased points. The QA section is nothing but a checklist and by that time the buyer is so wiped out they just want it to end. # 143 We were told to buy more points because we would be able to pay our maintenance fees with points and XXXX is starting a buy-back program next year. # 144 is a XXXX XXXX. She is working on an article about the traveling band of XXXX XXXX XXXX. Told the guy we were financially strapped and payments were too high. He said we needed to refinance and get " indemnity insurance '' ( has anyone heard of this? ). He was going to drastically lower our monthly payments AND we would no longer have to pay membership fees. We were ready to make it happen. Low and behold, he could n't make the payments as low as he thought, but they would still be lower than we were paying. But wait! There 's more! If we act immediately, he could almost triple our points for the low price of {$4000.00} ( which would be lumped in and our payments would be slightly lower than we are currently paying ). My husband looked at the paperwork and realized we were n't refinancing at all. We currently owe around {$12000.00}, and the new paperwork said over {$30000.00}! How can these people sleep at night?! We were talking about trying to get out of debt and the financial strain this has put on our family and they lie and deceive us to get us into more debt?! Thank goodness we ran before we signed. When I asked the name of the resort and the agent : We have no resorts near us, so it was a group that travels around the nation to " help '' owners who ca n't attend one at a resort. It was in XXXX. The guy said he was n't a direct employee of XXXX, he was an XXXX XXXX hired by them ( to build our trust ... '' I know their dishonest methods. They wo n't tell you this, but I can because I have nothing to lose '' ).
08/17/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	TX 75006	Web
To Whom It Must Concern : On XXXX XXXX, XXXX, I applied and was approved for a Barclaycard Ring MasterCard. The sole purpose of me getting this credit card is because they offered me promotional 15 months of 0 % interest on any balance transfers made within the first 45 days of opening this card. My intention was to transfer {$6000.00} from my XXXX XXXX XXXX XXXX XXXX platinum credit card to this card and pay it off with zero interest. While doing the online application for the card, there was an option to submit a balance transfer and I did so. It was indicated by a green check mark that my balance transfer had been submitted successfully and that it would take 4-6 weeks to process. On XXXX XXXX, XXXX, I received a letter from Barclay, dated XXXX XXXX, XXXX, stating my initial balance transfer was unsuccessful. I promptly called and spoke to XXXX ( Confirmation # : XXXX ) and she assured me that she would resubmit the same balance transfer and that it would be expedited to only take 7-10 business days. Even though she was unable to give me a reason as to why the first balance transfer failed, I would have to say that she was the most helpful Barclay representative that Ive spoken with to date. I patiently waited for this balance transfer to come through my XXXX account and finally, on XXXX XXXX, XXXX, my {$6000.00} balance transfer was accepted. A few days later, while making an online XXXX purchase with my XXXX checking account, XXXX informed me that debit card was invalid. I double checked the numbers and it still gave me an error. I promptly logged into my XXXX account online and was shocked to see that on XXXX XXXX, XXXX, {$6000.00} had been taken out of my XXXX credit card as a STOP PAYMENT on the Barclay balance transfer that had already been approved and accepted. This caused me to go over {$2000.00} into the negative as I had now exceeded my credit line with XXXX. This also caused a stop payment on an online purchase I had made earlier that day with my XXXX credit card, and put a freeze on my debit card and any checks coming through ( causing XXXX to not recognize the account ). I immediately called Barclay but could only be told a Manager would call me back within XXXX. Finally, on XXXX XXXX, XXXX, I was able to speak with XXXX, who stated he was a Manager with Barclay ( Confirmation # : XXXX ). After several HmmmI dont knows, he proceeded to tell me, with lack of empathy or willingness to resolve my issue, that the second balance transfer submitted on the XXXX of XXXX had been kicked back by the 3rd party who issued the check due to an invalid account number. At this point, I got XXXX from XXXX on the line, and asked if she could verify the account number with XXXX from Barclay. The account number was correct and she confirmed that there was no mistake on my part as the customer. All of the information I had given Barclay regarding the balance transfer was correct. The three of us were on that phone call for two and a half hours and the primary reason was due to XXXX lag and sheer indifference to my situation. My dissatisfaction as a customer with Barclay Bank did not seem to matter to him one bit. Not only did he never recognize the mistake that his financial institution had made ( he blamed it on the 3rd party that had issued the check ), but he never apologized for the subsequent hardship it had caused me. In fact, when XXXX asked him to send over a fax or email confirming that the balance transfer error was not caused by me, so that she could at least unfreeze my debit card and give me access to those funds, XXXX wasnt even cooperative. I have truly never experienced anything like this. Feeling defeated and in desperate need to get my accounts back to normal, I asked him to put through a third attempt on the same balance transfer, hoping everything would eventually be resolved between my Barclay and XXXX credit accounts. He read me the required recording, I verbally accepted, and then when I asked if he could guarantee that the same error would not happen again, all he could say is that there was no way to guarantee that. Still, I was hopeful that with speaking to a Manager and having plenty of notes in my account with Barclay, this would be the last time I had to speak with anyone at Barclay about an issue. Two days later, on XXXX XXXX, XXXX, I was having tapas at a local restaurant. I attempted to use my Barclay card to pay for my {$6.00} tab and my server politely advised me that my credit card had been run through twice, and twice declined. How could this be? I knew I had over {$500.00} in available funds and this is after the balance transfer had been submitted for {$6000.00}. One would typically feel embarrassed in this kind of situation but I felt relieved. I knew that this was absolutely the final straw on this Barclay account. I quickly paid my server with cash and called Barclay one last time. I was surprised to automatically be transferred to fraud protection where XXXX asked to verify my account. When I asked her why my credit card had just been declined, she told me that since my third balance transfer had not been verified, my card was put on hold. I was enraged. How could my balance transfer have not been verified when I was on the phone with a Manager for two and a half hours and he had a recording of me saying to proceed with the transfer? She said that two managers had called me the next day and I had not been able to be reached so they CANCELLED the third balance transfer. If it is Barclays policy to verify a balance transfer with a Manager call back ( which Ive absolutely never heard of ), then why did XXXX not inform me of that incoming call during our conversation? I was not under any impression that I should be waiting for a XXXX # to call me in the coming days and, like most people, I do not pick up calls from phone numbers I do not know. Just two days earlier, when I had asked XXXX if there was anything else I needed to do on my end, shouldnt he have told me that? I was a 100 % certain I had done everything right on this third balance transfer and somehow, I still failed to get my money. This is when I asked XXXX to transfer me to Barclays Cancellation Department. Up until now, having dealt with subpar professionalism, and, unenthusiastic, mediocre customer service, I was hopeful that at least the Cancellation Department would fight for me as a customer. I have good credit, I have good history with my other financial institutions, I really thought whoever I got on the line would really feel for my situation and try their best to make an effort to keep me as a customer ; to right their wrongs. I got XXXX XXXX she said her initials were : XXXX ) and much to my dismay and disappointment, it was very evident in the beginning of our call that she was not there to save customers. She seemed to be reading off of a script and after I gave her an exhausting but concise summary of what an awful experience I had had dealing with her institution, she didnt so much as let out a sigh. I believe her exact words were ok as she continued on with her script, as if nothing I said meant anything to her. There was no apology, there was no regret, there was not even an offer to make it right. Maybe I was nave to have hoped for more. It actually became comical when she restated that I would lose my promotional 45day 0 % balance transfer feature should I cancel my card, to which I replied to her that I had not received one benefit to this card and that would be quite alright.
12/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	TN 38401	Web
On XX/XX/2022 Barclay Bank received AND cashed a complete payoff check in the amount of {$10000.00} sent to them on my behalf by XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXXXXXX XXXX. That payment was never reflected on my account. Barclay Bank has continued to charge me interest since cashing my check and has continued to auto withdraw my minimum monthly payment from my account. After becoming aware of the continued theft on or around XX/XX/2022 I called Barclay Bank. A Barclay support XXXX ( name unknown ) instructed me to send proof of payment to XXXX. That email bounced. On or around XX/XX/2022, I again called Barclay Bank to confirm/correct the email address. A Barclay support agent named XXXX instructed me to send the proof of payment to the email address XXXX. XXXX also indicated that she would place a request for the interest charges to be returned to me. On XX/XX/2022 at XXXX, I was called directly by Barclay Bank fraud department due to suspicious activity. The fraud department agent resolved the fraud concern and requested a new card. I then requested to be transferred to the resolution department to confirm that my case had been created with Barclay Bank. The fraud agent transferred me to a general support and I again requested to be transferred to the resolution department. The agent transferred me to an agent that identified himself as XXXX, a resolution department manager. I reviewed my complaint with XXXX and he indicated to me that the two previous support agents provided me with false information, and that he would document his concerns on my account. He further explained that Barclay Bank does not accept documentation regarding resolutions via email at all-ever, and that there is no request or form that XXXX is authorized to make regarding my interest charges. He then instructed me to fax my proof of payment, the check number, the account number, and a front/back copy of the check to the fax number XXXX. At the conclusion of our conversation at XXXX, XXXX indicated that he has thoroughly documented my complaint and our conversation. He instructed me to call the general support number back after submitting the requested information, request the general support agent transfer me to a manager in the resolution department and ask the resolution department manager to review the notes on my file so that I would not have to continue repeating my story each time I call back in. After the call with Barclay Bank, I contacted my financial officer ( XXXX XXXX ) to see if she could provide any support in this resolution process and provide me with the information XXXX requested from me. She indicated that she would be reaching out to Barclay Bank directly. After leaving XXXX 's office, I was advised by my attorney to contact Barclay Bank to request my complete consumer file from them and to request that Barclay Bank stop stealing money from me and to freeze all account activity, to stop charging me interest, and to stop taking my minimum payments until this case is resolved. I again called Barclay Bank on XX/XX/2022 at XXXX, requested to speak with a resolution department manager, and requested that the XXXX department XXXX ( XXXX XXXX ID # XXXX ) review the notes on my account. She stated that there were no notes on my account regarding the issues in resolving this case. I then spent approximately 1 hour and 35 minutes again reviewing my entire case and finally getting it documented. XXXX ( Agent ID # XXXX ) indicated that it was actually XXXX that had provided me with false information and NOT the two first agents that told me to email. She indicated that she will note the misinformation on my account. She further clarified that she also noted XXXX 's failure to note and document our conversation as promised by him. In working with XXXX ( XXXX ID # XXXX ), she created a resolution case with me on the phone. She provided me with the resolution case number XXXX. I provided her with the previous email attempts, and a front/back copy of the check that I was able to obtain from XXXX XXXX XXXX She indicated that I would need to send a letter requesting my complete Barclay Bank account file ( inclusive of all call logs, all agent ID # s, all notations on my account from calls, and the recordings of my calls ) to the fax number XXXX. I will submit a request for that file by XX/XX/2022. I also requested if XXXX could freeze my account and payments. She indicated that she was not authorized to honor that request, but that she will submit it to some sort of escalation team, and that I should expect a call from someone on the escalation team within 24-48 hours. She also indicated that she will be requesting that the escalation team review all of my call recordings, and that she was creating some sort of complaint case for that escalation team. The escalation team complaint case number provided to me by XXXX is # XXXX. The call with XXXX concluded at XXXX. On XX/XX/2022 at XXXX, I received a call from Barclay Bank phone number XXXX. The caller failed to leave a voicemail. In attempting to return the call, a recording indicated that the number was for outgoing calls only. I then called the XXXX call back line ( XXXX ) provided to me by XXXX at some point during our previous call. I was connected to an Agent ( name unknown ), but I could not hear her because of her poor connection. She then attempted to correct her connection issues and returned to the call, but the quality of her connection remained poor. She then placed me on hold. I believe at that time the agent, without informing me, transferred me to another agent. This alleged new support agent identified herself as XXXX ( XXXX ID # XXXX ). XXXX indicated that she was a XXXX XXXX XXXX. She asked how she should help me. I stated to her that Barclay Bank in fact called me, and that I was returning the call. She then looked at my account notes and indicated that it was possible the escalation team was attempting to reach me, but that she had no further information. She informed me it was " above her head now, '' and that she was unable to help me. I then requested that XXXX transfer me to the escalation team or the escalation team member that attempted to contact me. XXXX indicated that she was unable to do so and that there was nothing she could do for me. After expressing disbelief to XXXX, I asked her to confirm the current facts of the call- that Barclay Bank called me, did not leave a voicemail or return contact information, that I had in fact reached Barclay Banks XXXX XXXX call back line that customers are supposed to use to return phone calls to managers, that she was unable to assist me, that she was unable to transfer me to the escalation team or the escalation team member that attempted to call me. She confirmed my summary to be accurate. I then asked her what the next steps are since I apparently can not initiate contact. She indicated that I have to sit around and just hope for another call back from the escalation team and hope even further that I am available when they attempt to call me again at an unidentified point in the future. I am also concerned about the annual fee being charged to my account. I am currently of the recollection that my annual fee was to be $ XXXX {$99.00}. The annual fee was not a promotional annual fee. My statement now indicates that my annual fee is {$190.00} as charged to my account on XX/XX/2022. I expect Barclay 's to address this concern as a part of my overall complaint.
02/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NJ 070XX	Web	Older American
A. XX/XX/XXXX : XXXX XXXX flight XXXX XXXX XXXX XXXX XXXX XXXX ) Stewardess announces XXXX free airline miles + other benefits to fill out XXXX XXXX XXXX XXXX Application before end of flight. She travels down the aisle passing out applications. XXXX ) I fill out the XXXX XXXX XXXX paper Application : Contains my name, address, date of birth, social security number, income, mothers maiden name, my signature and the XXXX Promotion code # XXXX. ( I have attached picture of my filled out application. ) XXXX ). I hand my completed XXXX XXXX XXXX XXXX application to the stewardess who collected them as the plane landed in XXXX. XXXX anxious to get the card and use the benefits. XXXX XXXX XXXX From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Your account is now active Hi XXXX, Just a note to confirm that we've activated your FRONTIER Airlines XXXX XXXX on XX/XX/XXXX. Get to know all your great benefits at XXXX. If you did not activate your card, please call us immediately at ( XXXX ) XXXX. - XXXX XXXX XXXX from : From : Frontier Airlines XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX EST To : XXXX Subject : Account Alert : PIN change Hi XXXX, We're confirming your recent request to change the PIN for accessing your account ending in XXXX on XX/XX/XXXX. If you do not recognize this request, please contact us immediately at ( XXXX ) XXXX. XXXX XX/XX/XXXX : I read both emails very early morning, ( XX/XX/XXXX ) and dial ( XXXX ) XXXX immediately. XXXX. I state : I never received a XXXX credit card. Neither did I activate or change a PIN number. I have no information on any of this and in fact I was watching my mail for the card because I wanted to use its benefits. Representative stated : card was used., I will close it and ID fraud and send you a new card. I say, Yes, close it immediately, I did not receive any XXXX Credit Card. - XXXX ). About XX/XX/XXXX : I received the XXXX XXXX issued XXXX. ( Card ending in XXXX ). I put it aside and Did NOT activate it. F ). XX/XX/XXXX : I receive letter from XXXX : dated XXXX. Account ending in XXXX. Re XXXX XXXX XXXX XXXX : This Letter is a response to your question about a XXXX charge from XXXX # XXXX on your account. We issued a provisional credit to your account for the full disputed amount on XX/XX/XXXX while we investigated this activity. XXXX completed the investigation and found that the activity is valid. Therefore the provisional credit has been reversed and the amount owed has been placed back on your account. subject to minimum balance and interest, Questions or concerns to XXXX XXXX XXXX. XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I speak to C : I recant the entire story. XXXX I never received a XXXX card ending in XXXX. It was closed and fraudulent activity noted by XXXX. XXXX ) - I received the XXXX XXXX XXXX ending in XXXX but it was never activated. This is a real big problem. Close out this account too. XX/XX/XXXX XXXX transfers me to XXXX, account specialist. I recant the whole story again. XXXX reopened XXXX case # XXXX. She confirmed that the XXXX XXXX XXXX ending in XXXX was never activated. She said I would get a call back and that there was a XXXX XXXX XXXX in progress that was automatically generated from the XXXX card cancellation. I said, absolutely not. I dont trust this card or customer service to get it right and frankly the fact that a stewardess collected paper applications with heavy personal content tells me that XXXX XXXX XXXX opportunity for internal security breach. I requested and received phone number XXXX XXXX XXXX for XXXX from XXXX. XX/XX/XXXX. I call XXXX XXXX XXXX XXXX to inquire about the {$720.00} purchase. A Fraud person calls me back XX/XX/XXXX while I was driving. I told the XXXX fraud person all events. Person said XXXX large gift cards were purchased at XXXX located XXXX XXXX XXXX XXXX NJ with the XXXX XXXX. XXXX was made by scanning the plastic credit card around XXXX XXXX on XX/XX/XXXX, - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an update. I spoke to XXXX who was VERY difficult and said the XXXX case was closed because I said I had the credit card. ( What???? No first card received and XXXX card was not activated ). And as he barked orders that it was my responsibility to disprove that the {$720.00} was not mine, he said this account remained open, which I later confirmed was incorrect. ( Account was closed and the XXXX $ annual charge was removed,. I am very annoyed that this guy XXXX @ XXXX XXXX XXXX is providing such a lack of customer service. - XX/XX/XXXX. I call XXXX XXXX XXXX XXXX XXXX to ask more questions. She referred to XXXX case # XXXX. I gave her the XXXX XXXX # XXXX updates so she could add to XXXX case which had been closed. XXXX specialist will call me and provide their documents. I gave her the rep, XXXX name and phone contact. She said it sounds like XXXX XXXX may have internal gaps and airline stewardesses should not be handling paper applications with highly confidential content, - XX/XX/XXXX. I call XXXX XXXX NJ Police XXXX XXXX XXXX. XXXX. XXXX # XXXX. XXXX XXXX. He writes up XXXX XXXX XXXX facts in Fraud Report # XXXX. Report will be released to me until XXXX days, but Credit card security can call at any time. - XX/XX/XXXX. I call XXXX back to give updates for case XXXX and XXXX and XXXX XXXX police case numbers. XXXX XXXX XXXX says she cant take any of their information and if I have anything additional to add, send to fax # XXXX XXXX XXXX. - So heres where I stand : I am not going to pay for fraud. I will never use Barkleys or XXXX of their products again. I have an XXXX credit score to protect. I also have to protect my identity : social security number, mothers maiden name, my birth date, phone number, address, income and signature - all because I was a victim of fraud through XXXX. Ive now signed up for XXXX cyber security, and have locked all XXXX credit reporting accounts and am doing my best to deter the use of my private information. Facts : XXXX XXXX XXXX has taken no responsibility for {$720.00} fraud. I have now spent hours on a problem I did not create. XXXX has serious security gaps in their credit card processes : XXXX ). Paper applications with confidential content should not be solicited or handled by airline employees. No security XXXX ). A XXXX XXXX XXXX PIN can be changed XXXX simply using a social security number and mothers maiden name. Low level security XXXX ). Social security number and Mothers maiden name are written on all XXXX XXXX paper applications. No security I notified XXXX on XX/XX/XXXX, immediately upon receiving their email informing me that XXXX ) card ( ending in XXXX ) had been activated XXXX ) card ending in XXXX pin had been changed- I stated to them on XX/XX/XXXX that any charge was FRAUD as I never received the card ending in XXXX. ***a Dispute Resolution letter Referenced XXXX {$720.00} charge to card ending in XXXX made on XX/XX/XXXX, and disputed on XX/XX/XXXX. Card ending in XXXX wasnt created at that time or activated ( then or now ) as confirmed by XXXX Acct Specialist, XXXX And- the first card never arrived. In Mail fraud, the fraudster would NOT have access to my mothers maiden name in order to change the card pin. But my mothers maiden Name was written on the paper application and handed to the flight stewardess. I appreciate your help to resolve. Thank you. Sent from my XXXX
08/25/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	ND 58103	Web
I apologize for the wall of text ; my paragraphs do no seem to show up. My XXXX credit card sent me some of those promotional checks with 0 % interest for X months with a 1 % fee. A month after it expired I messaged customer service and asked if they were running any promos like that. I was told that check would still be good to use and so I did. Now they are charging me interest and saying because it was cashed a month after the promo they can charge interest and they also charged a 3 % balance transfer fee instead of the 1 % What are my options here? I have what they said all in writing on my cc 's messaging system. Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Hi, I was sent some promotional 0 % cash advance checks a while back. I thought the offer expired XXXX XXXX, but it was XXXX XXXX. Is that promotion still available? Thank you! Response Customer Care via Email0X/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. We are happy to inform you that on XXXX XXXX XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful. Your business is much appreciated and we will do our very best to continuously meet your credit card needs. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Okay thank you, the paper I received says XXXX XXXX. It 's actually XXXX XXXX? Response Customer Care via EmailXX/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful. We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Why am I getting charged a balance transfer interest and balance transfer fee? I used the 0 % cash advance check Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : This is in reference to your XXXX XXXX XXXX XXXX XXXX We are responding to your concern regarding the convenience check on your account. Upon review, we see that on XXXX XXXX, XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 % until XXXX XXXX, XXXX, with a transaction fee of 1 % per amount of transaction, minimum of {$5.00}, no maximum fee. However, in order for you to take advantage of this offer, checks must post to the account on or before XXXX XXXX, XXXX. Our records show that the check for {$6700.00} posted on your account on XXXX XXXX, XXXX. Thus, we regret to inform you that the standard annual percentage rate XXXX APR ) for balance transfers which is the Prime Rate of 4.25 % + Variable Rate of 15.74 %, currently at 19.99 % is being applied to this transaction. Moreover, please note that balance transfer have no grace period and will accrue interest once they have posted to the account. Interest will continue to accrue until that balance has been paid in full. This may mean you will have a residual amount of interest on the statement following the pay off. You may verify this transaction through the 'Transactions ' tab. To view this, select the 'Activity & Statements ' tab located at the home page. You may choose to view 'Posted transactions ' and can filter the time frame by using the drop down menu and select either transactions 'Since last statement ' or previous statement dates. We hope you find this information helpful. Though we were not able to meet your needs at this time, please know that we appreciate your business and we are looking forward to catering to your future financial needs. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Do I need to call someone to sort this out? Before I used that check I asked about the promo, it is all in my previous messages on here. The response I was given was : Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful. We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. We are happy to inform you that you can most definitely take advantage the promotional checks that was sent to you. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful. We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX I took advantage of the 0 % promotional check that was sent to me. I deposited it into my own bank account for cash. Instead of the 1 % fee I was charged a 3 % balance transfer fee. Also, you have been charging me interest on the 0 % promotion. Response Customer Service via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your concern regarding the check used on your account. We apologize for the confusion regarding the checks that was sent to you. Upon review, we see that we sent promotional checks on XXXX XXXX, XXXX and XXXX XXXX, XXXX. Our records indicate that you have used the check that was sent on XXXX XXXX, XXXX which has 0 % promotional interest rate with 1 % transaction fee that must be completed on or before XXXX XXXX, XXXX. The check has posted on the account on XXXX XXXX, XXXX. Therefore, the promotional rate was no longer available and was not applied on the account. We hope that we have been able to clarify the situation. We hope you find this information helpful. We would like to take this opportunity to express our gratitude for your business. If you have any other questions or concerns, please reply to this message. Sincerely, Customer Service
06/09/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11214	Web
My name is XXXX XXXX I am Barclays Arrival+ card holder. I am writing in regard to unauthorized charges on my account and unfair treatment by Barclays fraud investigations representatives and denial of fair investigation of my case. In early XXXX there were unauthorized transactions on my credit card, as I found out about it I have reached out to Barclays right away and have let them know about unauthorized transactions. In that conversation I have mentioned that the card was most likely stolen from my car, thats where I believe I had it. I was asked few questions and then I think I have asked representative if I need to file police report. To what representative told me that I dont need to file it. The credit for unauthorized charges was issued. On XX/XX/XXXX I have left for my month-long business trip to XXXX, returning on XX/XX/XXXX. I have prove of my absence in my passport showing stamps of entering and exiting XXXX countries. In my absence there was a mail sent that was asking me to affidavit that the card was stolen, and that I dont know the person who did still it. I have sent that document in few days after my arrival to USA and saw that the earlier credit was reversed. Then I tried reaching Barclays in regards to that reversal, and at that time it was full blown pandemic and I couldnt reach anyone. After numerous calls I was able to reach someone at customer support and they told me that fraud investigations department is closed due to Covid-19. I have asked if I can pay this card now as I have few days left before past due date and then keep disputing charges. Customer service rep told me yes that this shouldnt be an issue and that it will not have affect on my dispute. Three weeks ago, I was finally able to reach to fraud investigations department and spoke with XXXX. XXXX has advised me then to file a police report and send it with letter. I am 99 % sure that on first call when I reported unauthorized activity I also asked if I need to file a police report, but was told that Barclays doesnt need it. Now 3 months later Barclays is asking for police report and police says that its too late and that they cant do investigation as car was washed and most evidences where removed from car by now. In case if I even didnt ask why you waited for so long to request a police report, you deal with such situations on the daily bases and request a police report only 3 months later knowing that its too late to obtain that police report. I was supposed to be advised on first call to obtain the police report. Arent you dealing with such cases on daily bases, and if police report is one of major documents for this investigation why instead of encouraging me to obtain one you rep told me not to get one? Then I placed multiple more calls trying to understand why this credit was reverted and how I can get fair assessment of this dispute. However, when I reached out to fraud investigation, rep told me that there was a valid charge on the account and right away I told its mistake. Right away I reviewed my account and there was a valid charge which is your annual membership fee. So yes, it is valid charge automatically charged by Barclays every year, but what I have to do with it? Then I had another call, when I tried to explain that its absurd to use automatic annual fee charge as bases to deem fraudulent transactions as authorized. Then new rep by name of XXXX told me that there were other transactions in XXXX that were not approved after unauthorized transactions and that those were deemed valid as thats what I have said to some rep on the phone. I disagree with that as I remember this conversation and that I told specifically that my card was stolen and when rep asked if those transactions were valid, I asked what she means, and she asked if the card was present when transaction were made? To what I replied probably as they have my card and the transaction would go through only with chip. In this context it was obvious that I was referring to them stilling my card and physically using it. But Barclays chose to shuffle the words and make representation that I have said that the charges made after unauthorized charges are authorized. There is a difference between card present and authorized charges, this is misrepresentation and almost fraud! Then XXXX the rep told me, why did you pay then if it wasnt you who made those charges? I wouldnt pay it if it wasnt my charges. What a great way to back the validity of the argument! Well, I paid because I care about my XXXX credit score and because I will need my credit history throughout my life and there is nothing wrong with me paying it not to be reported late and continue to pursue fair resolution of this investigation. I placed multiple other calls with Barclays and every time I was given really ridiculous reasons why these charges are valid and dispute cant be reopened. For example, I spoke with rep XXXX on XX/XX/XXXX or XX/XX/XXXX and she told me that those charges are valid because XXXX was able to verify me. When I asked how XXXX verified me, she replied that my name was on the receipt. Well, I told her that card has my name on it and my signature on the back so how does that make this verified transaction? She told me that my signature/name is verified and matching. I told her that this is impossible and asked her to review that signature, when she pulled up receipt, she told me there is no name or signature on the receipt. Then she told me that apple verified me by my social security number. And quite honestly, its just a ridiculous misrepresentation because every household has an apple product and never anybody had to verify they social security number to make a purchase at XXXX. This is huge misrepresentations and to some extend fraud if not to big extend. All that being said, I have an extraordinary amount of stress being caused to me with this unfair investigation and misrepresentations of Barclays employees basically accusing me in fraud while misrepresenting facts and committing fraud themselves. And based on my recent conversation with manager XXXX he understood the situation and advised me to write 2 letters, one to fraud investigations department and another one to executive office. He told me that the case most likely will be reopened and will be given fair assessment. I am writing this letter to request a fair investigation and to assign a single contact person to my case that would be able to examine the entire case and listen to all phone conversations and see what really is true and whats not. Also all reps at Barclays need a better training to resolve fraud issues, however it looks like they were trained to brush clients off with giving 100 misrepresentations to back the denial of dispute. Please be advised that if you will deny me in reopening my case and fair investigation of it. I will turn to CFPB, governor XXXX and senator XXXX to protect my rights. And if they will not be able to help me, I will file a law suite against Barclays Card and sue for unauthorized charges, stress that I had to go through, loss of time, interest on my money and legal fees for attorney. Will also get the press involved telling the story of how I was mistreated and what ridiculous statements were made by your reps. All I want is fair investigation please.
09/05/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MA 02122	Web
Around XXXX on XX/XX/2019 around XXXX XXXX XXXX XXXX, MA XXXX, I crashed and totaled my car. I called around to see which towing company could tow my car home so I could deal with both the car and insurance in the morning. Only Road Assist " XXXX XXXX '' picked up. They asked me to sign a document and pay ahead of the service and that once payment was confirmed, I could go home and wake up with the car in front of my house. Unfortunately, upon waking up at XXXX, my car was nowhere to be found.I called them to ask them where my car was. Turns out, this is a third-party towing company ( or even a fake onee ) with zero towing trucks of their own. They have since closed down their business/their phone number is filled to the brim with voicemails. They make money by having desperate people call them and then calling actual towing companies to tow callers ' car and taking a portion of the payment, which is why they ask for payment upfront. ow do I know that? Because the man that they sent to tow my car couldnt find my car and called me. I asked him what company he worked for and why he came to the site at around XXXX, when I had asked for my car to towed at XXXX. He replied that he had gotten the call from Roadside Assistance at around XXXX, strangely around the time I called them in the morning asking where my car was and not when I called them initially to have my car towed. I believe his man is probably the one that signed the receipts at XXXX with the XXXX ( check? ) signature that they are touting as me signing the receipt and paid without any issues. Even if I ever wanted to sign a quick signature, itd be at the least the XXXX portion of my signature and not a XXXX. I XXXX to where my car was crashed at around XXXX after hearing that the man they sent couldnt find my car and in fact, couldnt find the car. I spent the next 2 hours trying to find out where my totaled car had gone, calling multiple police lines and different towing companies. It turns out police had towed my car at XXXX to XXXX XXXX yard. I had to then go there, sign, and then pay both the tow to the yard and to have my car towed to the garage to be inspected. I have attached the receipts. So not only did this company not even attempt to tow my car in the morning when I called, the person they called arrived so late that they were 5-6 hours past my car being towed. I call the merchant politely asking for a rightful refund, as I had not received the services they had promised, and at this point I was on track to pay 3 different towing expenditures, one of which had not even seen or touched my car. They asked for a {$100.00} fee for their time and having sent out a man to the site. They did in fact send a man, yes, I wont deny that. But they sent the person 5-6 hours after my car got towed and then did not do anything. Is that my fault that I have to pay for their negligence and lousy work? At this point, I opened up a dispute case with my credit card company, Barclays US, who unfortunately had just as much negligence on their part handling this case. After getting off the phone with Barclays, they said they would handle it. I did not hear from them until 3 months later, XX/XX/XXXX saying that they had decided in the merchant 's favor. Not once did Barclays US ever communicate to me, by mail, phone, or email asking me for my evidence. Our only interaction was late XXXX when I opened up a dispute on the transaction. The XX/XX/XXXX letter, dated XX/XX/XXXX, said I had 10 days to reply with my counter evidence to the merchant 's " evidence. '' I've since have been trying to get Barclays to reopen the dispute but they refuse to since I replied " too late. '' The merchant sent in forged signatures and a " job completed '' screenshot of their logs. I received a service call from Mr. XXXX XXXX, arrived at his location and provided him with the price and scope of the service prior to starting. He agreed to our terms of service and authorized the work, I completed the job to the customers satisfaction and he signed the attached receipt and paid without any issues. Yes. He did indeed receive a service call from me, Mr. XXXX XXXX. This proves that he never once saw my credit card in person nor me in person as we only had contact over the phone and he had misheard my name. No, he did not arrive at my location and provide me with a price. He told me the price over the phone and that I had to pay online prior to him getting a person out to my location. No, he did not actually come out in the end, he hired another towing company to do so the next morning. He did not complete the job as my car did not end up in front of my house. I did not sign the attached receipt because I was never there at XXXX. I had come only after the man they sent couldnt find my car and went home. The only person that signed that receipt was probably the towing company they had hired. I was asked to pay PRIOR to starting, simply look at the time when the credit card was charged. Also paid without any issues? I contacted him with many issues after the job was complete. This company must be withholding the multiple phone calls I had asking where my car was, asking if they could cancel their lousy service, and asking if they could cancel the charge because they didnt even touch my car and that it had been towed by police. He did not attempt to call me of recent. In fact, they were rude when I originally had called for a refund before the dispute. A copy of a job complete from their very own system? Of course, theyre going to mark it off as complete and not incomplete. It is absurdly biased evidence. Also note that they admit that I called at XXXX and they completed their job at XXXX. Really? 8 hours later? My car got towed at XXXX. The fact that my car ended up at XXXX XXXX in XXXX XXXX is enough proof that this company never touched my car. There would be no chance that I would purposefully tow my car to XXXX XXXX yard, to tow it back home only to dispute my charge with this company. I wish there was a way to have these indecent people punished. I should honestly be taking {$200.00} from them instead of them trying to. They have intentionally fabricated fraudulent evidence in a shameless attempt to deprive me of my funds and honestly should be prosecuted in one way or another. Please see attached copies of my signature and copies of the receipts of my car actually being towed by XXXX XXXX at XXXX. The Merchant claims my car was towed at XXXX. I have been scammed by this lousy " towing company '' and Barclays US has been a negligent bank that won't stand up for its customer. I have asked Barclays to reopen my case 3 separate times but they have insisted that I have replied too late. Simply said, they sent a letter dated XX/XX/XXXX, after allowing the merchant to respond, I received it XX/XX/XXXX and replied XX/XX/XXXX, but Barclays just insists that I replied too late. I never had a chance to present my evidence or case and feel I have been unfairly scammed by two different companies. I have asked for certain documents from Barclays US but while they insist theyve sent it, its been months since. If you could, please ask Barclays US for the merchant 's " evidence. '' and compare their times, dates, receipts, and signatures to what I have attached.
02/28/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	NC 275XX	Web	Servicemember
On XXXX XXXX I applied online for an American Airlines Advantage Aviator Red World Elite Mastercard issued by Barclays and provided all requested information. Approval odd were excellent, and I had several preapproval offers options from multiple other cards issuers to include other AAdvantage card. I have excellent credit and no issue obtaining credit elsewhere. I received a letter on XXXX XXXX from Barclay stating they need a Driver License/State/Gov ID, Social Security Card, current utility bill and bank statement to verify my address and had 30 days from date of letter ( XXXX XXXX ) to provide. The form letter had no phone number, no email address, no contact name, just a po box address to mail documents. This should have been my first flag, it just didn't feel right ; I attempted to call the customer service number on the website, but its a series of prompts that will not take you to a live person. I called the number for application status, that initially told me to reference a " my status app link ''. I called back and got a live person who would not help me unless I submitted another credit application. I explained that I already have one, and she stated the system does not allow them to see applications already in process and that I can process a new one over the phone... why would I do that and take another credit hit. I tried two other numbers and finally got a live person when I called the fraud office. I spoke to them in detail about my concerns and was given a fax number to use and list of acceptable documents to verify identity and address. I faxed over clear & legible documents along with my contact info to confirm receipt. I called back a couple of days later and they still could not provide an update or confirm receipt. I was directed to XXXX the package which Barclays received on XXXX XXXX As the fraud rep directed, the package included the original letter, a letter asking them to contact me upon receipt, a copy of my military ID, copy of Passport, a Property Tax Statement, a water Bill XXXX and a XXXX XXXX statement. ( Note : I did not have to provide this much information when I bought a house or car last year ). They did not follow up or contact me as requested, so I called them on XXXX XXXX, was bounced from person to person until I reach the security department, who then proceeded to tell me application was still on hold and they need more information and I now need to provide a a front and back copy of my social security card and current IRS 1040 document to further prove my identity as my military ID did not have my date on birth. I told them that should not matter as the DOB was on the passport which is legal proof of identity under the Real ID act. I was then connected to another representative, where I had to explain everything again. They assured me documents were for identity and not proof of employer or income. I explained that this was a lot of PII data that they are collecting, especially when documents already provided 100 % match info on credit report. I also wanted to know how PII was being protected under this process, Barclays answer was we will shred it when final decision is made or 6 months whichever comes first. I asked them to send me a letter stating why they needed more information as a SSN card is not considered legal proof of identity, and off course they refused to provided. I asked why a notice was not already sent as they had my identity documents for two week already, rep stated they only send one letter per applicant ( either a denial or request for information ) and had I not called back in, they would have just timed out my application & denied me with no further contact. Rep then proceeded to tell me they require this information from all applicants and it was standard business practice for identity verification. I immediately googled and no where could I find that this was a standard practice, to the contrary another Barclays site listed the same documents already provided as acceptable. Reached out to a few friends who have this card, and they were never asked for this information. I asked Barclay rep was there something in my profile triggering this, I would like to know so I can fix it and not have to go through this with another creditor. I was told they don't have to provide me with that information and that they can just deny the application if I wont provide them with a front and back copy of SSN card and/or 1040. ( note : the back of the card says protect card, prevent misuse, keep it in a safe place and never carry it with you ). If I had not found the Barclay 's number myself, I would swear this whole process was a fishing scam ; since when is a passport not considered ID, Military ID stop having DOB on them 15 years ago, a 1040 is not proof of identity as any one with XXXX XXXX can doctor a 1040. There is no legal requirement to even provide a social security number on the application, so how can they base approval or denial on not providing the actual SSN card. I asked why I could not use the identity verification app like other CC companies ( website says they have one ) I was told that was for current customer only despite the fact website clearly states for New Barclay Consumer wishing to apply for services. I was given yet another po box to mail updated document. I believe I am being profiled based on demographic information on the report ( military status, residential addresses, etc. ) as they wont disclose why I am being flagged. It almost seem like they are trying to make process difficult so I will give up which will give them justification to deny me. I have a 750+ credit score, 15 years of positive trade line, card utilization under 19 %, no late payments, great debt to income ratio, two inquires, no collections, so what's the issue. I have a high level government clearance and know the risk associated with collecting this much PII from one person ; If I had not called in, that paperwork would sit 6 month prior to being destroyed, who does paper anything in this day an age, and everything they are asking for now can be " dummied up '' by a 13 year old. There was no option to elevate my issue or appeal the decision, either send the documents requested or don't. Again, the fact that I provided valid and recent identity documents as listed on the website/letter that did not clear the flag, coupled with the fact that they will not disclose what generated the flag over the phone or in writing leads me to believe there is a unfair process at play that needs to be investigated and corrected or organization sanctioned for its perceived profiling practices. I would have preferred an upfront denial over this current practice which puts my identity more at risk than issuing the credit card would have. If this " identity validation practice '' is part of the screen out process for certain " flagged group of consumers '' I would advise military, divorced women, minorities, and anyone choosing to live in an " up and coming or investment neighbor '' to proceed with caution, you may be wasting your time and end up with a credit inquiry and no card. I now have to go put a lock on my credit just in case my data get comprised internal to Barclays.
06/14/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	OH 43015	Web
On XX/XX/2023 we requested an {$8000.00} payment be sent to Barclays Bank from XXXX XXXX. The payment was sent via XXXX and the check was written by XXXX XXXX XXXX XXXX. The payment was supposed to be applied to the balance on our Navyist Rewards XXXX XXXX account. The address and name associated with our Barclays account was listed on the check from XXXX XXXX XXXX. According to Barclays Bank, the {$8000.00} check cashed on XX/XX/2023 and posted to their general ledger as a " non-conforming payment '' since no payment slip was enclosed with the check. Barclays provides the following information for " non-conforming payments '' on the back of their statements : Mailed Payments : A conforming payment received by us by XXXX XXXX XXXXXXXX will be credited to your account the day of receipt. A conforming payment is a payment that : XXXX ) is mailed with the payment coupon included with this statement or printed from oldnavy.barclaysus.com to Barclays, XXXX XXXX XXXX XXXX, PA XXXX ; and XXXX ) is in the form of a single, non-folded check or money order made payable in U.S. dollars from a U.S. based institution. Any payment that does not meet these requirements, or any payment with multiple checks or money orders, additional correspondence, staples, paperclips, etc. will be considered a non-conforming payment, which may delay the crediting of the payment for up to 5 days. On XX/XX/2023 the {$8000.00} payment had not posted to my Barclays Navyist Rewards World Mastercard account On XX/XX/2023 I contacted Barclays via online chat to inquire about the payment. I have copies of all online chats to prove the exact nature of the conversation. I told the customer service rep the issue and provided the dollar amount of the payment and that it was coming from XXXX Bank. The customer service rep requested the check number and bank routing and account number in order to open an investigation. I informed the customer service rep that I did not have access to that information since the payment was sent by XXXX XXXX XXXX XXXX via XXXX and not directly from XXXX Bank. On XX/XX/2023, I contacted Barclays via online chat to inquire about the payment. I told the customer service rep the issue and provided the check number from the payment that was cashed by Barclays on XX/XX/XXXX. The check number was sufficient proof of payment information for Barclays to locate the payment on their general ledger and make it a " conforming payment ''. Barclays provided a case number and said it will take 30-60 days for the investigations team to respond. The customer service rep stated that all fees and interest will be waved until the payment is found. I provided XXXX phone numbers to contact me back at with any updates. On XX/XX/XXXX a provisional credit for {$8000.00} was applied to my Barclays Navyist Rewards World Mastercard account On XX/XX/XXXX, I received a letter from Barclays stating that the proof of payment needs to be sent via fax to XXXX or the provisional payment would be removed. Examples of proof of payment : front and back copy of cashed check, Money order receipt, Electronic Funds Transfer. On XX/XX/2023 XXXX XXXX faxed a Declaration of Payment with a copy of the original check front and back and the XXXX Case ID to Barclays fax number XXXX and mailed a physical copy to XXXX XXXX, XXXX XXXX XXXX XXXX DE XXXX. On XX/XX/2023, I contacted Barclays via online chat to inquire if they received the declaration of payment. The customer service rep stated that a case had been opened with the investigations team but it will take another 30-60 days for a response and they could not confirm if the investigations team had received the declaration of payment. The customer service rep stated they will add notes for the investigations team that XXXX XXXX had faxed the declaration of payment. I requested contact information for the investigations team and they were not able to provide it. The customer service rep stated the investigations team will send a letter when the payment is found. On XX/XX/2023 I received a letter from Barclays Bank stating that they had not received proof of payment and the provisional credit was removed from my account. On XX/XX/XXXX I filed a complaint with the CFPB ( ID XXXX ) On XX/XX/XXXX the CFBP complaint was closed by Barclays with an explanation. The explanation was that the investigations team completed their investigation and was not able to locate the payment. Barclays Office of the President representative requested proof of payment be faxed to XXXX in order to continue the investigation. This explanation was also provided in a XX/XX/XXXX letter from the Barclays Office of the President representative. On XX/XX/XXXX I received a voicemail from Barclays Office of the President representative requesting a callback I spoke to Barclays Office of the President representative several times over the following weeks regarding the missing payment. I told him that proof of payment was provided on XX/XX/XXXX. He denies that the proof of payment was received by Barclays at any time and requested proof of payment be emailed to him. On XX/XX/XXXX I emailed XXXX the proof of payment that was originally sent by XXXX XXXX via fax and USPS on XX/XX/XXXX. The Barclays Office of the President representative apparently located the payment and stated that the payment was sent back to XXXX by Barclays I have tried to contact XXXX and can not find anyone to help me with this matter. I have contacted XXXX XXXX and they claim that Barclays still has the money The Barclays Office of the President representative stated that interest and fees that were previously promised to be waived would now be reinstated since I did not provide proof of payment in the required time frame The Barclays Office of the President representative has continually stated over the phone that Barclays does not have the {$8000.00} and there is nothing they can do to help. I requested to be contacted by a supervisor from Barclays Office of the President and a summary of their investigations findings to be provided to me in writing. A Barclays Office of the PresidenXXXX supervisor called me on XX/XX/XXXX stating they would look into the missing payment and if the fees and interest can be waived. I can not reach anyone in Barclays Office of the President as of XX/XX/XXXX to check the status of the missing payment It has been 75 days since Barclays cash the {$8000.00} check and posted it to their general ledger. Neither Barclays, XXXX, XXXX or XXXX XXXX are able to locate the {$8000.00} at this time. My Barclays account is passed due and I am getting several calls a day from their collections department. I have invested 10 + hours into figuring out where the {$8000.00} went and am hitting a dead end in every direction I turn. My credit score has been negatively impacted since the credit utilization on my Barclays Navyist Rewards World Mastercard has remained high. I am desperate and exhausted. Please help me.
12/23/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	NJ 08873	Web
In early XXXX I called Barclays customer service to inquire about the approximate date I would be receiving my replacement XXXX, since my old card was due to expire in XX/XX/2022. I was proactively ensuring that I would receive the new card before my move date of XX/XX/2022. The rep whom I spoke with said that they could not track the card once it was mailed out but that the bank always mailed out replacement cards to be received by the customers before the old cards expiration. I never received my replacement card prior to the cards expiration. I moved from XXXX XXXX XXXX XXXX XXXX in late XX/XX/2022 and changed my address via my Barclays ( XXXX ) XXXX online account. I received a letter from Barclays dated XX/XX/2022, asking me to call the number listed in the letter to verify the change made to my account. I called on XXXX, XX/XX/2022, and spoke with a representative XXXX XXXX XXXX who confirmed the information. Immediately after that call, I was unable to access my online account. I called customer service that same day XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke with another representative ( XXXX ). I explained that I could not access my account and that prior to my call with XXXX, I had accessed it with no issue. XXXX was unable to help and told me that I should try accessing the account later and call back if I continued to experience the issue. On XXXX XX/XX/2022, I called Barclays XXXX customer service and spoke with XXXX. XXXX tried resetting my password and setting up new online access. None of his troubleshooting options resolved my online access issue, and he told me that the issue was with the banks website. I called and spoke with XXXX in the Barclays XXXX assistance department on XXXX, XX/XX/2022, at XXXXXXXX XXXX EST. I explained my issue in detail and mentioned that she was the fifth representative I had spoken with about the problem. XXXX attempted to retrieve and reset my password, despite my telling her that this method had already been attempted unsuccessfully. The attempt failed, so XXXX transferred me to an Account Specialist by the name of XXXX at XXXX XXXX EST. XXXX explained that the account access issue probably had to do with my expired Barclays XXXX. The cards expiration date was XX/XX/2022. XXXX mentioned that a replacement card had been issued. Since I never received the replacement card, XXXX canceled the replacement card number and issued a new card. She explained that I would receive the card within XXXX - XXXX business days. She also told me to call Barclays before attempting to access my online account, in order to activate the new card. I received the new card and called Barclays, as instructed by XXXX, on or around XX/XX/2022. I spoke with a representative by the name of XXXX at XXXX XXXX EST. I explained the entirety of my issue to XXXX and asked to have the new card activated, but also to escalate my online access issue. XXXX did not escalate the issue and attempted to problem-solve, repeating the same exact steps that had previously been taken by the other representatives. The issue was still present, and XXXX had no solution. Again, I asked XXXX to escalate the issue to technical support. Instead, she opened Complaint Case # XXXX. I asked her how long it would take to resolve and when I could expect a call. She said that the issue would be investigated and that I would receive a letter about the root cause of the issue via regular mail. I never received a follow-up call, letter, or email from Barclays. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX EST, I received an email notification from XXXX XXXX- a service that offers free insights into credit scores, reports and personalized financial information. The notification was to inform me that an account listed in my credit report had been closed, and my credit score was affected. When I logged into my Credit Karma account, I found out that the closed account referenced was the Barclays XXXX account which I had been having issues with. I called Barclays at XXXX XXXX EST on XXXX XXXX XXXX XXXX, and spoke with XXXX. Once again, I had to repeat every detail of my ongoing issues with Barclays spanning XXXX months. XXXX was unable to assist and said the account was closed. She could not even find the complaint case that had been supposedly opened in late XXXX. I told her I was deeply frustrated and needed the call escalated to a supervisor. XXXX transferred me to XXXX at XXXX XXXX EST. XXXX said that nothing could be done because the account was closed. I said I was not accepting that and needed the call escalated. XXXX transferred me to XXXX at XXXX XXXX, EST. After I explained my case to XXXX, she said that there was nothing that could be done and that my account could not be reactivated because the bank had closed it. I told XXXX I had not received ANY communication from Barclays related to my Barclays XXXX account for months, and the account was closed without my authorization or prior notice. XXXX proceeded to state that a letter has been mailed on XX/XX/2022 ( 5 days prior to my call with her ), and she read the letter out loud. I told XXXX that I had not received that letter. Out of curiosity, I asked XXXX how the letter was delivered if electronically or via regular post. She said it had been mailed. I asked what address. She replied XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In exasperation I responded with that is yet another complaint I have to add to my list of complaints. I told XXXX that the XXXX XXXX address was my old address, and no correspondence should have been mailed there because I had changed my address with Barclays when I moved FIVE MONTHS prior to our phone conversation. Additionally, my account had been set up for paperless communications, and up until XX/XX/2022, I had been receiving all relevant account information via email ( I have all saved emails from Barclays as proof ). XXXX response was for me to write a complaint to Barclays XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX I said I would be complaining to the Department of State, Consumer Financial Protection Bureau, Federal Trade Commission, Better Business Bureau, and Attorney General about Barclays credit card services ineptitude and incompetence in their business practices. Upon reviewing my credit reports, I found that my credit score had decreased due to the unauthorized closure of my Barclays XXXX account, the same account I had been experiencing issues with since XX/XX/2022. I did not authorize the account closure. I did not receive notification from Barclays informing me that the account would be closed. I did not receive a follow-up call from my last phone call about the long-running account access issue. My credit score was affected because of Barclays inaction. To resolve the problem, I would like my account reactivated and the online account access issue fixed. Once my account is reactivated, I would like Barclays to report this change to XXXX, XXXX, and XXXX immediately.
05/06/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	HI 967XX	Web	Older American
On or around XX/XX/XXXX I purchased 2 free hair products from XXXX XXXX stating I only had to pay shipping and handling with no obligation. I was charged on XX/XX/XXXX {$3.00} and {$4.00} and put it on my XXXX Barclay Bank Mastercard. I paid my bill in full on XX/XX/XXXX. I received my free products and wasn't impressed so basically forgot about them. Unbeknownst to me XXXX had either hacked, sold or given my credit card information to other companies. On XX/XX/XXXX I was charged {$88.00} from XXXX and {$84.00} from XXXX on the same day. I had been paying my bills and didn't recognize the charges but I buy quite a few things online and decided I better go through my files to see what it was I purchased from those companies. I paid my bill in full for the amount of {$170.00} on XX/XX/XXXX. On XX/XX/XXXX I was charged {$94.00} from XXXX and on XX/XX/XXXX I was charge {$90.00} from XXXX. I had received 2 separate packages in the mail during XXXX with XXXX return label so I immediately sent them back from the post office Return to Sender unopened. On XX/XX/XXXX I was charged {$94.00} from XXXX. On XX/XX/XXXX I called the number to XXXX not sure what that first charge was for after looking through all my files to see what I had purchased thinking it might have to do with my insurance and found out after talking to a lady that it was for hair products. I hadn't ordered anything so I told her I had not purchased anything and I wanted to file a dispute to get the money credited back to my account because I though the credit card had been hacked. She said she was sorry and offered to send me a {$100.00} gift card all I had to pay was {$5.00} for a shipping charge. I told her no I just want the the charge to be credited back to my account. She got all my information and said she would make sure to take care of it. On XX/XX/XXXX I was charged {$94.00} by XXXX again. By this time I had figured out what was happening and had called Barclay Bank. I told the gentleman I spoke to that I had some fraudulant charges on my card and I needed to cancel it and get a new card. He told me not cancel my card that they would take care of it for me. He took all the information on all the merchants that I had been billed by and said he would file disputes. By this time I was paying close attention to my statements and started filing disputes on charges I didn't recognize. I didn't want to ruin my credit rating so I paid my account in full on XX/XX/XXXX in the amount of {$380.00}. I had a few charges on there for items I had purchased myself. Barclay Bank sent me letters on all the disputes that I had either discussed with one of their dispute representatives or had filed myself online stating that they were referring my transactions to dispute specialists. While they notified the companies of my disputes they issued provisional credits on my account for the amount of the disputed transactions which would appear on my next billing statements. But they said if the merchant was able to validate the transaction they may re-bill and could do it within 90 days and provide an explanation to me along with copies of relevant documentation. My XXXX bill cycle ended on XX/XX/XXXX and I was credited $ {$88.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX, {$94.00} from the XX/XX/XXXX transaction from XXXX and also {$90.00} from the XX/XX/XXXX transaction from the same company. On XX/XX/XXXX I received a letter from Barclay stating that my dispute regarding the amount of {$84.00} with XXXX which posted to my account on XX/XX/XXXX they were unable to pursue because the chip on the card was read and validated during the authorization process or the card was present and the CVV confirmed. The card was not present and so the chip wasn't read and the CVV was given to XXXX to order my 2 free hair products. They suggested I contact the merchant directly to see if there were other options to resolve the claim. I called the number I got off my bank statement numerous times and would get put on hold then hung up on. This went on for a few weeks then finally I talked to a gentleman named XXXX. I told him the situation and he was able to pull up the information on his computer and the supposed date of purchase, the card number and my name. He told me he'd try to take care of it but for me to first try and call another number he gave me which was XXXX which handled the accounts. I tried calling them several times but with no response. I called XXXX back on XX/XX/XXXX and he told me all of their accounts had been given over to another company. He told me to call the number he had previously given me again so this time I did and was successful and getting connected. I talked to a gentleman who told me he didn't have XXXX as one of their accounts and he had no information that could help me. I called up Barclay and talked to XXXX one of the dispute specialists on XX/XX/XXXX and he told me to send a letter to the department about what had transpired and re-file my dispute which I did on XX/XX/XXXX. On XX/XX/XXXX I got a letter back from Barclay concerning the XXXX charge stating after further review they were not able to assist me with obtaining credit to my account because " we are outside of the permitted time frames to continue this claim through the dispute department. We encourage you to pursue credit by contacting the merchant directly. '' So that put that one to bed since no one even knows what or where or who XXXX is and I'm stuck with a {$84.00} charge. On one of the last disputes I filed with them at the beginning of XXXX I told them I wanted a new charge card since this one had been compromised. It was sent to me around the end of the month but I still have not activated it. I got my XX/XX/XXXX billing statement and had an {$89.00} charge from XXXX on XX/XX/XXXX which they immediately credited my account, another one from the same company for {$89.00}, On the XX/XX/XXXX they credited to my account and 2 more, one of XX/XX/XXXX from XXXX for the amount of {$89.00} and on XX/XX/XXXX XXXX for {$89.00}. I filed a dispute on both of these charges then called the bank since I had had a replacement charge card sent out and didn't receive it until the end of XXXX. The woman I talked to told me that the charge had gone through because the computer transferred the charge from my old card to my new one. I asked why it did that since this was the reason I got a new card to begin with to stop these fraudulent charges, she couldn't give me a good answer. I still haven't activated this card. On my XX/XX/XXXX statement, the XXXX charge of {$89.00} made on XX/XX/XXXX was credited back to my account the same day it was charged but not the last charge that was made by the computer error on XX/XX/XXXX XXXX for the amount of {$89.00}. I was sent two more packages from XXXX in XXXX that I sent right back from the post office unopened 'return to sender '.
09/22/2017	Yes	Mortgage Other type of mortgage	Closing on a mortgage	RI 02864	Web
In XX/XX/XXXX we went to a Timeshare presentation in California and bought the smallest points timeshare they had available, XXXX points. We were told we had to go to a new member orientation within 90 days that would explain our benefits and membership. To guarantee we go they require a {$49.00} deposit and we would receive the money back when we go to the presentation. Also for going/buying a timeshare we received a 3 day/2 night at a resort where the orientation would be held. After the presentation we were not given our money back we were given a XXXX gift card. We went to the orientation in XXXX, VA on XX/XX/XXXX. We were met by XXXX our rep ( later find out she is a sales agent ) She also has us bring our XXXX son with us, I asked about the daycare in the pamphlet they had and she said its in another building and most people dont want to bring their children. She tells us about some of our benefits, then proceeds to tell us that XXXX was just recently bought out by XXXX, and pricing will be changing. With this being the case, our XXXX points really cant do much. Also, they could only guarantee the purchase rate of {$6.00} per point for the next 18 months, after that XXXX will be raising the price. The sales manager XXXX came in at this time to explain that we got a deal when we bought the last timeshare and we have equity in our points ( something that never happens according to him ). And because of that we could buy an extra XXXX points for only {$3.00} per point. We were slightly hesitant because we just made a major purchase a few months ago and are now told that what we have doesnt mean anything. The thought in the back of my head was the sales person in CA. had to know they were being bought out, now we are stuck with useless points. We were then told about the Barclays credit card which is a way to help offset some of the assessment/maintenance fees. I then asked at that time if something can be done about the assessment fee that I already paid, because I did n't want to double pay. XXXX said he would look into it. We had our credit checked and we were approved for the Barclays card which would give us 0 % interest for 6 months that we could put the down payment of {$2500.00} on. Then XXXX told us the additional money would go through a company they use however the payment would be {$390.00} a month for 10 yrs. because they have very high rates, he then added however with our credit scores we would be eligible for a loan with XXXX and their rate is 6 %. That would drop our payment to {$250.00}, which is more affordable. We decided to move forward because we felt like it was the best option, we could handle a payment of {$250.00} and it would be better than basically throwing the XXXX we just spent on the original XXXX timeshare points away. Again, we were told that prices were rising, our current amount of points were useless and XXXX went on about what a great deal we were getting with this purchase. We figured we would take the money out of savings for the next two years until our daycare bill went down. We honestly felt like we had no other choice. We were then brought over to XXXX the QA Rep, to go over the paperwork. We had to stop several times, because she was explaining things to us very differently regarding how the Barclays card worked and it paying the assessment fee. We even had XXXX come back and explain it all again and he explained it wrong in front of XXXX and XXXX had to correct him. Now the Barclays card wasnt going to pay the assessment fee like we planned, this was right around the time of them telling us that we could use the bonus points that we received from this purchase to go to Hawaii on a dream vacation. So, we were very excited about that, and we were trying to look at the good that will come out of this. Us going on the dream vacation, the extra benefits that the other timeshare didnt give us, more points to travel with. We could deal with paying the assessment fee differently than what was originally explained. I also confirmed with XXXX at that time that we were going to look into crediting the maintenance fees I had already paid, so that could help with the first years assessment cost. Also during that conversation, we were told that the deal we were getting at {$3.00} per point was only good for that day and if we decided to come back the deal is off. We felt very pressured, defeated, overwhelmed, confused. Not to mention we had been there almost 4- 5 hours with our XXXX son. We decided to go forward because we could get the payment down when we refinanced the loan with XXXX and we were concerned that we had wasted money on the previous timeshare purchase. When we got home from vacation, we had my sons birthday party, I had a work trip, so by the time I had a chance to look into refinancing the loan with XXXX it was past the rescission period. XXXX does not offer a 6 % rate for a 10-year Timeshare loan ( it is not that we did n't qualify, it is NOT a product that they offer ) Nor does any other lender. We were okay with refinancing with another lender. We also looked into taking out Equity on our house to lower the payment, however we just bought our house so we didnt have enough Equity. We had not received any correspondence in regards to the assessment fees from XXXX. There was contact information in our sales paperwork for XXXX, the VP of Sales, stating he will respond to every call or email within 24 hours. I emailed him on XXXX/XXXX/XXXX. I also called him a few days later saying if I did n't hear back I would contact the BBB. He left me a voicemail on XXXX saying he would contact XXXX. XXXX called me back on the XXXX said that he is actively working on the assessment fees and he more or less got reamed out for letting us know about the 6 %, and also to get the 6 % he would have to high up in the financial chain. I told him to proceed with it. I have several texts in this time going back and forth with XXXX. I let XXXX know via text onXX/XX/XXXX that I am done and I want my money back from the timeshare. He said " my VP of Sales will be reaching out to you this afternoon to discuss options. '' I did not receive a call. I emailed the VP on XX/XX/XXXX and I also called him on XX/XX/XXXX. I saved all my text messages from XXXX. XXXX never returned any email or call in his 24-hour promise. Spoke with Finance XX/XX/XXXX and XX/XX/XXXX. Spoke with XXXX in Hospitality on XX/XX/XXXX and received email on XX/XX/XXXX, emailed her back twice on XX/XX/XXXX received an email back from her stating they are not willing to do anything to cancel the timeshare. XXXX has also failed to respond to the BBB. Our next loan payment is due on the timeshare and on the credit card ( we are currently overdue on the credit card ) This is going to start hurting our credit. We have been actively trying to resolve this since the beginning of XX/XX/XXXX.
01/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	WI 53704	Web
XXXX/XXXX/XXXX I discovered a negative account with Barclays Bank XXXX ( Delaware ) on my credit reports, which had apparently went into collections and onto the reports in XXXX. Prior to XXXX XXXX, XXXX, I was n't aware it existed. I then called Barclays to dispute ownership of the account. XXXX/XXXX/XXXX I initiated a dispute with all three credit reporting agencies, regarding the Barclays account. XXXX/XXXX/XXXX I filed an Identity Theft Report with the Federal Trade Commission and proceeded to follow the outline of steps to follow which they provide in cases of credit card fraud. XXXX/XXXX/XXXX I received a reply via email from a Barclays employee, XXXX XXXX. XXXX/XXXX/XXXX I sent a response to XXXX XXXX and also attempted to reach him on the phone over the next two days with no luck. XXXX/XXXX/XXXX I called Barclays again and spoke with a women who said she worked in the Fraud Department whose name sounds like, " XXXX. Which oddly enough is a name that recently came up came up when dealing with a problem that I recently had with XXXX XXXX, in which I was sent a replacement card from them, with an account number belonging to someone else, with the name of " XXXX '' from Missouri. I asked her what the dispute process entailed, requested a copy of the cardholder agreement and application, as well as the full account number. I was told to fax in the request for a copy of the records, and to send, by standard mail, the nature of my dispute and any supporting documentation. " XXXX '' said Barclays would initiate a Fraud Investigation after receipt of the documentation. XXXX/XXXX/XXXX I sent a notarized letter to Barclays via USPS certified mail, included the FTC report I 'd filed, the explanation, and also requested a copy of the the records. My return address was included. XXXX/XXXX/XXXX I received a return receipt via USPS mail, with a stamped signature by XXXX, from Barclays, indicating they received the documents. Barclays did n't contact me via phone or email. XXXX/XXXX/XXXX I called Barclays to check on the status of the fraud investigation and when I could expect the records to arrive that Id requested. I was told they completed the investigation and it was determined that the account was not opened in a fraudulent manner, that I 'd exhausted all of my options and there was nothing more I could do to get the copies of the records I 'd requested. I called a different telephone number associated with Barclays and spoke to XXXX, who requested I send her a copy of the FTC identity theft report I 'd filed. XXXX/XXXX/XXXX I emailed XXXX the report, which encrypted with a code, as it was sent to a general inbox and not directly to her. I called her extension, left a voicemail with the code. XXXX/XXXX/XXXX I got a call from XXXX XXXX which I missed, he left a voicemail. XXXX/XXXX/XXXX I called XXXX again and left a voicemail asking for confirmation that shed received the email I sent on XXXX/XXXX/XXXX. She said she never got the email I sent or the voicemail, and that XXXX XXXX was the person who is in charge of handling the fraud investigation, but she would be available to assist if needed. I spoke with him about everything that 'd happened to date. I reiterated that the account was not mine and again made a request for copy of the records from Barclays Bank. I asked why I never received the records I requested in the notarized letter Id sent nor a reply of any kind from Barclays, he said that the records were mailed, but to a different address. He asked for my mailing address and told me that Barclays would send me a copy of the credit card application as well as the full account number. I asked how Barclays reached the conclusion that the account was mine and continued to ignore my insistence that I never applied for a line of credit with their bank, and was told that the they check the validity of the information a person supplies on a credit card application, by looking at public records. By this standard Barclays makes it extremely easy for anyone that simply checks public records, which are readily made available to the masses, to take the information they find, and use it in a fraudulent manner. As is the case here. XXXX/XXXX/XXXX I filed a complaint with the BBB against Barlclays Bank XXXX. XXXX/XXXX/XXXX I received copies of the account statements and credit card application, via XXXX from XXXX XXXX of XXXX, sent from XXXX, ME. The format of the application looks odd. It 's missing information and also contains a slew of wrong information. The telephone number listed never belonged to me, nor the email address, mothers maiden name is wrong, the location associated with the IP address stamp, from where this online application was filled, is a place I 've never been, there 's no employer information, the physical address listed is a place I have n't lived at for years prior to the application being filed, which I can provide proof of. Over the next few days I continue to receive paperwork from Barclays via USPS : two determination letters dated XXXX/XXXX/XXXX, in response to the BBB complaint I 'd filed, that state, after their fraud investigation I was found not responsible for the reported fraudulent activity and to allow up to 30 days for the Credit Reporting Agencies to remove any fraud related information from your credit report. The second letter says, Barclays Bank Delaware XXXX XXXX XXXX is requesting a trade, which was opened on XXXX for XXXX XXXX, to be deleted or suppressed. The above-mentioned person did not apply for or have knowledge of this credit card account. I continued to get mail from Barclays which I assumed were sent in error because of the determination letters I 'd been sent. XXXX/XXXX/XXXX XXXX XXXX XXXX of Barclays composed a letter which says, " '' I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' XXXX/XXXX/XXXX, XXXX XXXX from Barclays, sent a letter which says, " I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' XXXX/XXXX/XXXX, XXXX, XXXX XXXX from Barclays, sent a letter which says, " I am in receipt of the correspondence forwarded to Barclays Bank Delaware ( " XXXX '' ) from Better Business Bureau ... '' A couple weeks later I mailed copies of the determination letters, along with other documentation to all three Credit Reporting Agencies.Two which have replied, one which sent me a research request form, and both still retain the Barclays account on record. XXXX/XXXX/XXXX I called Barclays and requested to speak to someone in management and was told " XXXX would get in touch with me the next day. '' She did n't, and I dont think anyone from Barclays is going to contact me to resolve this matter.
11/26/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL XXXXX	Web
Timeline for fraud on Barclays XXXX XXXX, XXXX XXXX Some weeks before this fraud was committed, perhaps in XXXX, I received a form letter from Barclays that said that a batch of credit cards that had been sent out in the prior months had problems with the new chips embedded in them. Therefore, they would be sending out new cards. On XX/XX/XXXX, I received an email notice that my new card had been activated. I read it around XXXX XXXX I had received no card. When I read the email, I called Barclays. I reached a young woman who did not seem to know what she was supposed to do. She said she understood that had not received the card and wanted to seek advice. She put me on hold. I waited for forty minutes and she never came back ( see screenshot ). I had a meeting and then need to meet family at an art fair. I thought, well, at least I reported it, and they froze it. I then received an email that the pin had been changed. I called immediately upon reading it, after arriving home. I called again, and reached someone more capable ( I thought ). She confirmed that they had failed to freeze it after I reported that I had not received it. She said the thief had attempted to use the card. I asked if the thief had somehow gotten into my account online and made the charges there. She said, no, this was a physical transaction with a chip and pin card. I said that they must have stolen it from my mailbox, since I had never received it. She said that it was no problemit was outside my usual area and they had flagged it ; she opened a fraud case. I should not be responsible for the charges. We spoke at XXXX for about 11 minutes ( see screenshot ). She said she would cancel the card and send me a new one. I received the new one a few days later and activated it. That night, I filed a report with the post office that the card had been stolen, I assumed from the mailbox. I received a note that the report had been received. I have heard nothing further from the Post Office. On XX/XX/XXXX, I received two letters from Barclays, both posted XX/XX/XXXX. One said I had been found not responsible for the charges, and the other said that I was responsible for them and have charged them to the new accountwhich did not exist when the charges were made. I checked my account and found that not only had they charged the thefts to me, but also they had charged late fees. I called on XX/XX/XXXX at about 2. I admit, I was not particularly nice, which I regret. I demanded to know what was going on. The man I spoke to said the card had never been reported as stolen and I must be responsible because the chip and pin can not be faked. I reiterated the original conversation and said I had been quite clear the card was stolen. He said it was marked missing. I was furious. He said he would reopen it as a fraud investigation and told me to fax (! ) or snail-mail my document showing I had reported it to the post office, etc. I then called XXXX to file a police report. They have assigned the report number as XXXX. XXXX said I would have to also file in XXXXthe postal theft was in XXXX jurisdiction, but the fraudulent use was in XXXX. I called on Tuesday XX/XX/XXXX. XXXX PD refused to file the report ; they said it had to come from XXXX I called XXXX who advised me to wait until their report posted and then we could forward to XXXX. I also spent quite a bit of time online updating Barclays information. Then, I received a notice that my phone number for the account had changed. I had not changed the phone number, but I might have confirmed it. I also noticed the amount was still showing as fully owing. I called Barclays AGAIN at noon Tuesday the XXXX. I reached the fraud investigation unit, who told me that the person I talked to the day before had never reopened it as a fraud claim. I said, you mean, he lied to me? The man I spoke to said yes. I reported AGAINthat the fraud case needed to be reopened. I said I wanted to talk to a supervisor. He said he would put in a request for one to call, but it might be several days. He then said I needed to talk to securitywhich is oddly, a different unit than fraudabout the phone number issue. At security the person I talked to was genuinely helpful. She said the phone number had not been changed, but she thought ( perhaps ) someone had tried to? She said she would escalate the prior request for a supervisor callback, so I could talk to a supervisor sooner ( the prior person had indeed made the request ). She added a verbal password to my account. Finally, I asked to her freeze the card. She said she did. My XXXX timeline shows I was in XXXX all day on the XXXX. I worked from home, and then went to an appointment with family within XXXX. Likewise, the day before and after, I was in XXXX, working from home. But the card was used physically in XXXX -- at least a XXXX hour drive agway -- on the XXXX. I could not physically have been in XXXX and in fact have not been in XXXX for some years. My XXXX timeline confirms this. The two transactions were at XXXX XXXX XXXX XXXX XXXX. The first was for XXXX and the second was for XXXX at the same addressan address that shows up on XXXX as a mall. The Merchant Category is Financial Institution. These were taken as cash withdrawals. If they were taken from an ATM, perhaps there would be pictures? The only financial institution I see at that address is a XXXX XXXX, but I suppose it might have taken place at an ATM? It seems very odd that the statement lists only the address, the business type, and not the name. I would also like all of the recordings from my interactions with Barclays. I am beginning to wonder if there is a larger scale fraud issue here. A large number of cards are to be reissued because of chip problemsproblems which I did not have with my card, incidentally -- and somehow a thief just happens to pick it up out of my mailbox on the day it arrives? Seems oddas does Barclays handling of the problem subsequently. Maybe the card was stolen before it ever reached my mailbox? Maybe more than one was taken? I would be interested to know when this tranche of cards was printed, was shipped, and from where, through what relay points. I would also be interested to know if any other cards in that batch turn up in fraud cases. Tuesday XX/XX/XXXX at XXXX XXXX, I received a call from Barclays. I was hopeful that it was the supervisor getting back to me. When I answered, it was an automated notice that my account was past due. With interest and now late payment fees, Barclays is now dunning me for XXXX. I would like that debt wiped out. I would also like an apology and an investigation into how this was handled so badly. Barclays has wasted an enormous amount of my time.
12/27/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	NY 10032	Web
I was in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with some friends from XX/XX/2018 to XX/XX/2018. On XX/XX/2018 around XXXX XXXX to XXXX XXXX my friends and I went to a tour with XXXX XXXX XXXX to see one of the hotels that they have for their customers V.I.P. in XXXX, XXXX XXXX, XXXX XXXX. We returned to XXXX XXXX XXXX after XXXX XXXX ( I dont remember the exact time ). The tour guide, or the representative of the XXXX XXXX XXXX that took us to the tour took me to the office because I was interested to know the prices for the membership. He found another gentleman that started to inform me about the prices of the membership. Most of the prices were very expensive. I remember that I informed them that I was a victim of a robbery and because of that I am registered with credit report ( XXXX ) and I have a LOCK on my credit. I dont remember how the conversation started, but a credit check of {$3000.00} was initiated. I got involved and I gave them my information including my social security to check my credit. In less than 15 minutes this man ( not the tour guide ) returned with two forms of credit cards saying that I was accepted for two credit lines. One for {$11000.00} and the other {$8000.00}. I was very surprised about these two credit cards when in fact my credit has a LOCK in the United States. These men started talking to me about a penthouse deal. They mentioned that I can do business in XXXX, XXXX, etc. renting the penthouse. I mentioned to them that I was not a social media person, and I can not do that. I was so involved that I ended up signing some documents. I remember that one of the requirements was to put my initials in one book. I asked the woman who brought the book what information was contained in the book. She said that was the club information. When I put my initials on each page she took the book and I said to her if she was not going to give me a copy. She replied that the information was on the CD. When I left their office is was dark. Next day on Sunday, XX/XX/2018 around XXXX XXXX I went to XXXX XXXX XXXX to talk to them regarding the deal of the penthouse that they gave me. I saw the man ( Not the tour guide ) that worked with me the day before and I said to him that I wanted another deal or something more reliable for me because usually I travel by myself or with my mother and that a penthouse was too much for me. He said customer service is the one in charge and they would make the changes. He sent me to a office to talk to customer service by phone because there was no representative of customer service in the resort. When I was in the office, they communicated me with a representative of customer service.Her name was XXXX. I explained to this lady that I wanted to change from penthouse to something more reliable. She said that she will check with her superiors and put me on hold. After a while she returned and said that her superiors said NO and that she can give me a village deal for the same price. I told her no and that I wanted something more reliable and affordable, because I have student loans, bills, among other things to pay. She kept saying NO and saying Yo No Entiendo which means I dont understand in XXXX. I started to feel uncomfortable because is was not even 24 hours that I got involved with the XXXX XXXX XXXX and this was how they were behaving and treating me. At one point this lady said to me YOU ALREADY PAID. I said to her excuse me and she said it again and mentioned that I have a contract with them and an agreement. I said to her that I will call the Bank and cancel the transaction. I left the office and went to my room in the resort and from my cell phone I called the the phone numbers of the paper that they gave me. I remember that I made the calls around XXXXXXXX XXXX on that Sunday, XX/XX/2018. The first bank that I called was XXXX XXXXXXXX XXXX. I explained to the person that I spoke with what happened and she mentioned that the payment was pending that she could not cancel the transaction of {$7600.00}, but she said to call in 24 or 48 hours. Then I called Barclays Bank ( according to the phone that was on the papers ) I explained to the person that I spoke with what happened and he was able to cancel the transaction of {$11000.00} and I told him to close the credit card. Next day Monday, XX/XX/2018 I called XXXX XXXX XXXX to cancel the {$7600.00}. I explained to the rep what happened, and she closed the card and canceled the payment. Then I called Barclay Bank to be sure that the {$11000.00} transaction was canceled. So the payment of {$11000.00} was canceled and the balance was {$0.00} balance. Next day on Tuesday, XX/XX/2018 I called Barclay Bank and XXXX XXXX XXXX just to be sure that those transactions were canceled. When I spoke to the person at Barclays Bank the account was {$0.00}. The operating system of XXXX XXXX XXXX said that I have a balance of {$7600.00}. I Called again to XXXX XXXX XXXX and asked what happened and they said that the money is pending, and they have to open a dispute. A dispute investigation was opened and would take about a month. Eventually XXXX XXXX XXXX found that XXXX XXXX XXXX committed a FRAUD and credited {$7600.00} to me. Two or three weeks after the dispute was close with XXXX XXXX XXXX I received a bill from XXXX Barclays credit card for {$11000.00}. I called to inquire about the credit card. I asked the person who answered the location and she said that they were in XXXX. I explained to her that I canceled that payment, but I received no help from her. I called Barclays Bank and explained what happened to the lady that spoke to me. She did a three ways conference call and called the XXXX credit card and asked the person who answered that cancel the payment and why that money was not refundable back to the bank. The man whose answered the phone did not know what to respond and transferred the call to another line. An answering machine answered, and I left a massage ( I am still waiting for a call back ). Due to this, a dispute was open. During the investigation I called once. I called to get an update of the dispute, but they said that they were still investigating. Then a day before XXXX I received a letter from Barclays Bank saying that the dispute was found in the favor of the XXXX XXXX XXXX and I was expected to pay them {$11000.00}. With all due respect we are talking about {$11000.00} that I did not eat, drink, or did anything, not {$100.00}. Some people are very UNSCRUPULOUS. I dont know where they are connected, but I know that they are using my name to get money. Sadly, I know that I am not the only victim. But I pray that all this Pandora Box will open and expose the wrong doings to the light.
04/10/2020	Yes	Credit card or prepaid card General-purpose prepaid card	Advertising Changes in terms from what was offered or advertised	NY 10035	Web
I am writing to seek assistance in my dispute with XXXX XXXX and associates ( XXXX XXXX XXXX ) who has defrauded me through misrepresentation of their product which was purchased on XX/XX/XXXX utilizing both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank. I would like to mention that I am no stranger to owning timeshare properties. I have owned a separate property in XXXX for over 10 years so I am familiar with the pros and cons of having one. In this instance, XXXX XXXX ( XXXX ) by way of both XXXX XXXX XXXX and RCI Elite Rewards Mastercard, companies within the vacation exchange industry, absolutely defrauded me. I was offered both credit cards during a meeting with XXXX on XX/XX/XXXX and was charged {$15000.00} on the XXXX XXXX and {$2900.00} on the RCI Elite MC. I am very much a victim of their intentional fraud and misrepresentation of the product and our agreement. During my initial meeting with XXXX on XX/XX/XXXX, XXXX XXXX after negotiating my desired terms, I was verbally informed by XXXX that my contract would include NO Black-out dates and among other features, accomodations at the XXXX XXXX XXXX section of the resort would be accessible to me for 1 week each year for the next 10 years. XXXX also stated that each time I visited the resort, the money that I would spend to book the dates would go into my personal travel account called XXXX XXXX. These specified features were discussed in detail, and I made it unequivocally clear that these were part of my bottom line if I were to purchase a XXXX property. To be clear, the fraud and misrepresentation is in XXXX 's failure to speak to any of the very restrictive limitations of each of the aforementioned features. The No Black-Out date feature I was unaware, is only available to me thru XXXX XXXX company with XXXX level status and not directly through XXXX XXXX. This severely affects my chances to book dates during the holidays because clients who are able to book directly thru XXXX XXXX have the option to make reservations 5 months in advance while XXXX XXXX members can only make reservations 1 month in advance. In addition to that, my XXXX status is only available for 2 years before its downgraded to XXXX status which does not contain the No Black-out date feature. This was not at all explained to me and was not part of our agreement. They roped me in with the No Black-out date feature but failed to mention anything about being downgraded to XXXX status or having to pay to maintain XXXX status. As I mentioned, I was granted an option to stay at the XXXX XXXX XXXX campus, that's currently under construction, for 1 week annually for a 10-year period. However, after reviewing and discussing my contract with two separate representatives at XXXX XXXX, I have gotten two different explanations, neither one I agreed to. One representative stated that I was only granted 1 week ( and not 1 week each year for 10 years ) that I could use those accommodations. Another representative stated that I only had access to the resort for 10 years from the date of the contract so if for example, they do not complete the park until XXXX, I would only have access for 7 years. Both very misleading. Lastly, based on our agreement, I was told that each time I visit the resort I would pay a certain amount depending on room size. The money I pay to book would transfer into a travel account thru XXXX XXXX which would be converted into credit that I could use to purchase a wide variety of items. This feature sounded great because even though I would be paying to book the room, I would not be losing the funds. After reviewing my contract, I called XXXX XXXX and I was told that I only had that feature for 1 year and afterwards I would have to pay for different package options to keep it. This was not part of our agreement. At the close of my meeting, which lasted several hours, with XXXX, and expressly after being assured of my requested terms, I signed the contract and then asked for a copy for my review. I was not informed that I had 5 days from the date I signed to review and cancel. Instead of giving me a copy on sight, XXXX insisted on mailing it to my home address in Maryland. I only agreed to not walking out with a paper copy because XXXX stated that they would email me a version of the contract so that I could review it immediately. I believe these interactions may have been audio recorded. To date, I have never received a copy of the signed contract via email from XXXX. Further, I did not receive the contract in the mail until close to 4 weeks after I returned from XXXX, and well after the 5-day review period. It was not until I received the contract in the mail that I was able to review the contract and read the many discrepancies between what XXXX stated to me at the time of signing. I immediately contacted XXXX and explained to them my issues. They were however unwilling to right their wrongs or adjust their breech of agreement. They stated that I had 5 days from the signing date to cancel. I now see why they were so insistent not handing me the physical contract and failed to email me a version so that I could review it. The contract took weeks to arrive. I also believe that XXXX XXXX XXXX and RCI Elite Rewards Mastercard facilitated this defraudment. The agreement with XXXX also included me selling my old Timeshare through XXXX XXXX XXXX XXXX. They contacted me to complete the second part of the agreement charging {$4100.00} to the RCI Elite MC before I received the contract from XXXX XXXX. I have been persistent in my fight against this injustice towards me by making the necessary phone calls, emails to the companies and even sending certified mail to both XXXX XXXX XXXX by XXXX XXXX XXXX and RCI Elite Rewards Mastercard by Barclays Bank. XXXX XXXX XXXX is in the process of investigating the matter, Barclays Bank however has closed their investigation in favor of XXXX. I and am willing to take it as far as I can to achieve justice. I am however currently working in the XXXX XXXX XXXX at XXXX XXXX XXXX Hospital in XXXX XXXX and am absolutely overwhelmed in this war against this pandemic. I do not want to my lack of attention to this matter to allow me to lose ground. I sincerely hope that this bureau will further review this incident and will be able to help me and to be a protector against consumer fraud. Barclays Bank XXXX. XXXX XXXX XXXX DE XXXX Billing Dispute Case # XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Dispute XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ext. XXXX
03/16/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Confusing or misleading advertising about the credit card	NY XXXXX	Web
On XX/XX/XXXX I applied for and was denied for by Barclaycard US for the XXXX XXXX credit card. I was debating on whether I should accept a pre-selected offer from XXXX XXXX XXXX for their Cash Rewards XXXX or the XXXX XXXX card. I have been weighing and evaluating on which card would make more sense for my type of spend, and being that I commute using XXXX a lot to go to work and dining out quite often. It made more sense for me to go with the XXXX XXXX from Barclays. Since XX/XX/XXXX, I have been doing my research about the company, about the card and reviewing my credit reports each time and made sure that I checked off all the possible boxes. I have read, and researched their terms and conditions, which made NO mention of the credit criteria and factors they would review to consider one for a credit card account. I pride myself for keeping my credit profile in check, though it maybe young, I have displayed flawless payments and management of my finances. It came as a surprise that they denied my application. I was denied because I did not have a long credit history. And that even a small starting limit was not an option. I have called and reached out to their credit analyst four times or more to plead my case and begged them to reconsider me on the basis of my responsible management of my accounts throughout the full 1 and a half years that I have been using credit cards. During the call for reconsideration, they have asked me the following : Q : How long have you worked with your current employer My answer was I have worked for the company since XX/XX/XXXX. I was hired in XX/XX/XXXX and started working officially on XX/XX/XXXX till present. Q : Why did I only start with credit in XX/XX/XXXX? Prior to XX/XX/XXXX, I have opted to live and pay for my bills in cash. Paid everything through my debit card. Then XX/XX/XXXXcame and I decided to move out of apartment sharing and opted to live alone and tried to qualify for a rent controlled apartment in New York. I was repeatedly declined because I did not have credit history. So since then, I have actively tried to find ways to kick start my credit journey. But still took my time since I did not know how to start it. I thought that having a bank account and an internet bill at the time would build me a credit history of some sort. I knew nothing about credit management. Until an work colleague suggested I tried to apply for a credit card to start a history and since then, I tried, but just like my apartment applications, I was being denied for having no credit history. I had no one guiding me, until I decided to go to my bank XXXX XXXX to inquire, and was told that I can open a secured credit to start building some history. Which I did and since then, I had only had stellar payment history with them, they graduated my card, and within the year, I was able to successfully acquire new trade lines, all of which had flawless payment history. One year since opening those accounts is when I decided to apply for this card managed by Barclays. Q : Multiple Credit Inquiries I explained to them that as someone starting off with credit, I had no choice but to try and apply for accounts to see which one I would get approved for. It was my understanding that inquiries should only affect the consumers report for one year, and that although the inquiry will stay on the report for two years, lenders would only consider the most recent inquiries on the report, and to my recollection, I had aged of all inquiries on that report the last being XX/XX/XXXXwhen I applied for and was approved by XXXX XXXX. They questioned my 6 inquiries with XXXX which were all from XX/XX/XXXX. Q : I have XXXX available credit limit, then why do I have 0 % Utilization? I use all of my existing cards, about 20-25 % of the available credit and pay them down before the statement closes. As that is easier for me in terms of allocating funds and managing my finances. I want to pay down stuff when I already have the money for it. And all my other credit card companies seem to appreciate that. I also explained to them that my spending is usually for Groceries, occasional dining and commute/travel since I always have to take the train in to work. But I just pay them down since that is how I like to handle my accounts. I did not think that it would be seen as a negative. Bottomline, they denied me for my length of credit history. Age of my oldest account is 1 year and 6 mos. And the Average age of all my accounts is 1 year. There was no mention of that in their webpage nor terms and conditions. They did not mention anything that if you had limited or x number of mos. or years of credit history, please wait until x number of years before you apply for a Barclaycard. If I knew that they would look down upon people with young credit profiles. I would not have wasted an inquiry and could have given that inquiry to a lender that would see the work I have done with my credit history and appreciate it, not to be grilled by and be discriminated against because my credit history is not long enough. I review factors, and it was my understanding that the positives on my credit report outweighed the age of my credit history. I wish I did not waste the inquiry. My goal was to strengthen my credit profile and not tarnish it. This year I planned to apply for that one XXXX card as that is the only thing missing among my trade lines and I do groceries a lot at Costco which sadly takes nothing else but a XXXX XXXX card, which is why I had opted to apply for one this year. Waited a whole year for it, just to get denied. And the sad part was that, it was Barclays that I chose to build a relationship with. I could have qualified with XXXX XXXX XXXX, and now, I have to hold off and age the inquiries again, before I could apply with a different bank. Financial institutions should really give some base line criteria from the get go, so that consumers can review them and make their determination whether to apply or not. I did not know that they needed people with long credit histories. At least XXXX XXXX would break it down on their page and differentiate their criteria for each of their Credit card products. I have attached a copy of my credit reports and the terms and conditions I pulled and read prior to applying for the Barclays card. On my report you would see the positive factors and the negative factors. They pulled my XXXX report, but sadly, the work I had on all my accounts did nothing for them to reconsider my application.
10/30/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 088XX	Web
Barclays Credit Card Case ID # XXXX This is a summary. More detailed information will be uploaded. XX/XX/20 A vendor called XXXX XXXX XXXX XXXX XXXX charged my Barclays Credit Card {$1200.00}. The following week, I called my Sales Representative ( XXXX XXXX XXXX ) and followed up with a call to the Company itself to explain that I need to return the merchandise due to the New York City shutdown as a result of Covid-19. In the end, they refused to accept my return. I called Barclays to open up a dispute claim and I was directed to go on-line which I did and opened the dispute claim. XX/XX/20 I received a letter from Barclays Dispute Department stating unfortunately, we were unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation. I immediately called Barclays Dispute Dept. and explained that there is no return policy on either of my receipts ( 1. Credit Card Receipt and 2. XXXX XXXX XXXX computer printout receipt ). I also stated that I looked at last years receipt and there was no return policy listed on that one as well. Barclays then reopened the claim. XX/XX/20 Received another letter from Barclays Dispute Department, this time stating The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction. What does this mean, or have anything to do about a return policy on the receipt? I again called Barclays and spoke to XXXX who said, You cant keep the merchandise and receive a credit. I said, I know, but the company refuses to take the return. Again, it does not state any return policy on either of my receipts. She said send XXXX XXXX XXXX XXXX whatever merchandise you have, make sure you get copies of all shipping documents, receipts, and put your case ID number on everything and fax it to XXXX ( Dispute Department Fax Number ). You must do this within 10 days for the dispute claim to stay open. I asked, what about the XXXX of XXXX holiday?. She said, that day will be excluded. I thanked her for resolving the issue. XX/XX/20 Purchased shipping boxes. {$27.00} XX/XX/20 Shipped merchandise. {$26.00} XX/XX/20 Faxed Barclays Dispute Department all receipts, shipping documents, a letter outlining return of 192 packages @ {$3.00} equaling {$570.00} with the ID Case Number on each page as XXXX instructed. XX/XX/20 Verified package was received by XXXX XXXX XXXX XXXX, XXXX through XXXX tracking number. XX/XX/20 Received another letter from Barclays stating that they are increasing my line of credit to {$15000.00} ( I did not request this and plan on closing any Barclay Credit Cards once this dispute is resolved ). I just want my {$570.00} credit. XX/XX/20 Received two letters from Barclays Dispute Department. First letter dated XX/XX/20 dated Merchant has not violated the terms and conditions of the contract. Again, what does this mean? This has nothing to do with not having a return policy on either of my receipts from this year or last year. Besides the fact that {$570.00} worth or merchandise has been shipped back to XXXX XXXX XXXX XXXX and is now in their possession. The second letter dated XX/XX/20 stated unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reasons : the chip on the card was read and validated during the authorization process or the chip was present and CVV confirmed. What does this mean? First or all, this was a phone order, secondly, what does this have to do with not having the return policy on any of my receipts, lastly, now I no longer have the merchandise in my possession. The vendor, XXXX XXXX XXXX XXXX XXXX XXXX has had the merchandise for 3 months now ( per XXXX at Barclays request ). I subsequently looked up via the internet and located the phone number of Barclays US Headquarters in XXXX for the Presidents office. I called the phone number listed for the Presidents office voicemail and left a message of who I was, and a description of the unbearable situation Barclays has put me in with this credit issue. My husband also looked up Barclays on the internet and found a number of forums in both XXXX and the US that discussed how Barclays had a number of negative to horrible reviews from customers and that they do not take care of customer return issues, period. The next day, XXXX from Barclays Presidents Office called and I explained the issue. She said that she would call me back. XX/XX/20 I received a voicemail from XXXX. She said This is XXXX XXXX calling from Barclays Office of the President and this message is for XXXX I will follow-up with you with a letter. Thank you. I have to this date, never received a letter or phone call. XX/XX/20 Today, I was called by Barclays Collections. Once again, I tried and no luck! Today, after talking to four different people, I was told, unfortunately, we can not credit your account because the amount of the transaction is not the amount of the return. I stated, I do not have the merchandise, it was returned three months ago to the vendor, so open up a dispute claim for {$570.00}. They said they can not do that. I hung up and was completely flabbergasted. I am requesting that this is corrected once and for all. I am due {$570.00} credit in addition to my interest/late fees. I am writing a check today, XX/XX/20 for {$37.00}, which I believe is the difference. XX/XX/20 Found another phone number for the Corporate Office. Left a message for XXXX XXXX ( XXXX, XXXX ). No response. Five excuses over six months without my {$570.00} credit with merchandise being returned to vendor over three months ago : 1. Unfortunately, we are unable to obtain credit on your behalf because we can not override the merchants policy in regard to a return/cancellation. 2. The merchant has since supplied documentation that details what the transaction represents. Unfortunately, we are unable to further pursue credit on your behalf for this particular transaction. 3. Merchant has not violated the terms and conditions of the contract. 4. Unfortunately, we were unable to pursue credit on your behalf for this particular transaction ( s ) for the following reason, The chip on the card was read and validated during the authorization process, or the chip was present and CVV confirmed. 5. Unfortunately, we can not credit your account, the amount of the transaction is no the amount of the return.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91016	Web
Barclays Bank, XXXX and XXXX are collaboratively and continually in violation of the federal Fair Credit Reporting Act ( FCRA ) for FALSE and FRIVOLOUS reporting and their continuous refusal to remove their FALSE AND FRIVOLOUS report which destroyed, causing damages, my otherwise Excellent credit stature. In XX/XX/XXXX, Barclays Bank inaccurately reported to XXXX and XXXX that my account was 30 days late for {$19.00}, when in reality it was merely a shortage of on-time remittance by {$4.00} and only because Barclays wrongfully refunded my credit balance without my request which caused the shortage and they further failed to notify me or send me a Notice of Short payment which if they did, could have easily been paid instantly on the same day. In lieu of a legal notification, Barclays levied a 111 % Late Fee of {$4.00} which increased the shortage due to {$9.00}. Because of Barclays false adverse reporting to the credit bureaus, even for such a minimal amount of {$4.00} ( or {$9.00} or {$19.00} ), my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( Good ). The credit scoring system of XXXX and XXXX is defective. XXXX XXXX XXXX XXXX XXXX : the law does not care for small things ; the law does not bother with trifles. Barclays reporting to the CRAs of an insignificant dollar amount of {$4.00} ( or {$9.00} or {$19.00} ) is considered FRIVOLOUS by law and should not even have been reported to and by XXXX and XXXX in the first place. Something or some act which is de minimis in interest is one which does not rise to a level of sufficient importance to be dealt with judicially. Trifles, or matters of a few dollars or less. 121 F. 2d 829, 832. A crime which is de minimis may be dismissed under the Model Penal Code and similar statutes. Model Penal Code Section 2.12 Paying late is not even a crime. But Barclays Bank and XXXX XXXX XXXX are treating it like it is. Therefore, based on de minimis doctrine, this petty reporting ( even assuming it were accurate, which it is NOT ) should be deleted immediately. Please also take note that this incident happened during the time-period when the Global Coronavirus-19 pandemic was still ongoing, when the US government, being very considerate, initiated the FORGIVENESS of loans and imposed the EVICTION MORATORIUM and the FORECLOSURE MORATORIUM, when utility companies like the Gas Company posted OVERDUE BILLS FORGIVENESS on its website, when banks ( except Barclays Bank ) were not charging or were waiving late fees and interests for REAL late payments. Yet, why was Barclays the only contrarian bank that is doing the exact opposite of governmental actions and continuing to report a trivial and fake information that is in violation of the federal Fair Credit Reporting Act ( FCRA )? Background : In XXXX, My Wyndham Rewards Visa credit card issued by Barclays Bank was recommended to me by my Timeshare company, XXXX ( whose name is imprinted on the card, implying their affiliation ), and I only accepted it, so Worldmark could automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and in turn, my Bank was set up to AUTOPAY Barclays on the XXXX ( 2 days before the XXXX due date ) every XXXX, XXXX, XXXX and XXXX. Please take note, that due to my excellent credit standing, I am one of the very few owners who still pay the maintenance dues for years XXXX and XXXX even though the resorts were closed in XXXX and partially in XXXX, even though my scheduled vacations were cancelled and my unused points were forfeited due to the Covid-19 pandemic. I wonder why the XXXX XXXX XXXX XXXX did not impose a Maintenance Dues Moratorium in XXXX and XXXX when the resorts were closed and no maintenance dues were actually paid by the Timeshare companies like XXXX and XXXX XXXX ( my other timeshare ). Other owners just stopped paying by themselves during XXXX and XXXX, except me. All my accounts are set up on AUTOPAY, so I am never late with any company ( as you can verify from my credit reports for the past three decades ), including Barclays. In my first year with Barclays in XXXX, I had always overpaid and ended up with CREDIT BALANCES, and I never, never called them to ask for a refund of my credit balances. But for the first time on or about XX/XX/XXXX, without my request, Barclays suddenly refunded my credit balance from my May overpayment, which therefore caused my next payment to be short by {$4.00}. I was not aware of the refund or the resulting shortage because I never received my statement or any notice, by phone, email, or mail, which if they had communicated with me, I could have paid INSTANTLY way before it became overdue and assessed a 375 % late fees. Additionally, on top of the late fees & interests and the unnecessary ADVERSE REPORTING to the CRAs by virtue of the De Minimis doctrine, for a minute {$4.00}, again without notification, Barclays surreptitiously suspended my card and declined the charge of {$180.00} made by their supposed affiliate Wyndham on XXXX. In XX/XX/XXXX, I received a phone call followed by a first-time-ever dreaded collection letter from XXXX, attempting to collect the {$180.00} plus late fee and interests. Barclays Bank also managed to destroy my perfect payment history of two decades with XXXX. XXXX was also the only time I found out about the {$4.00} shortage and the very HARSH actions undertaken by Barclays bank in the year of the continuing Coronavirus pandemic. Instead of me paying {$180.00} directly to Wyndham on XXXX up to XXXX without penalty, the money was still automatically paid by my bank, as scheduled, to Barclays on XXXX, two days BEFORE the banks XXXX DUE DATE. In XXXX, their alleged 30 days late amount was still at {$9.00} ( $ XXXX late fee ) and NOT {$19.00}, as they erroneously reported to the CRAs ( which would have been the correct amount only if paid late - AFTER XXXX ). And I ended up with a huge CREDIT BALANCE of {$160.00} with Barclays Bank since XXXX which, IRONICALLY, they kept and used my money for three months ( up to XX/XX/XXXX ), despite my request ( this time ) in XXXX for a refund and they never paid me any interests, like the 375 % interests & fees they charged me for a mere {$4.00}. Yet, instead of reporting a ( {$160.00} ) CREDIT BALANCE on my credit reports in XXXX, XX/XX/XXXX, and XX/XX/XXXX, Barclays erroneously reported a XXXX balance, and they still failed to remove the erroneous {$19.00} - 30 days late negative report.
02/16/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments You never received your bill or did not know a payment was due	CA 92629	Web	Older American
Summary : Barclays never tried to notify me before sending negative reports to the three Credit Reporting Agencies and ruining my credit rating. If they had, the issue, caused by simple miscommunication, would have been immediately resolved. The Background : In XX/XX/XXXX, I received a new Barclay 's Ring Mastercard with a credit limit of {$30000.00}. The high credit limit is due to the fact that I have always had a stellar credit rating over the last 40 years. In XX/XX/XXXX, I tested out the credit card and made four nominal charges totaling {$170.00}. On XX/XX/XXXX, I received a USPS letter from Barclays ( dated XX/XX/XXXX ) stating that my account was three months past due. This was the first notification that I received from Barclay 's for the XXXX charges since no invoices were received. Within an hour of receiving this letter, I called Barclays and had an eCheck issued to them for the {$170.00}, plus {$6.00} in interest, plus {$87.00} in late fees. Total = {$260.00}. The promptness of my response to paying off the debt once I became aware of it, is indicative of my previously established habits that have resulted in having a stellar credit rating. I always pay my credit card charges promptly. During the conversation with the Barclay 's representative, they informed me that Barclay 's had already submitted negative reports to the three Credit Reporting Agencies ( CRA 's ) in regards to the nonpayment of the initial charges. This is the crux of my CFPB complaint. Barclays never tried to notify me before sending negative reports to the three Credit Reporting Agencies and ruining my credit rating. If they had, the issue, caused by simple miscommunication, would have been immediately resolved. The Problem : The root cause of the problem was that Barclay 's submitted the credit card invoices via email instead of regular USPS mail. The invoices were never received by me, because Barclay 's never verified a proper email communication link with me. When Barclays sent the physical credit card, they established and verified a valid USPS mail communication link with me. When I called in to Barclays to activate the credit card, a valid Telephone communication link was established. However, Barclay 's did not utilize either of these validated communication links to provide the invoices. Instead, they used an unverified method, email, which did not have an established bidirectional communication link. In later conversations with Barclay 's escalation manager, she speculated that the invoices probably went into my email spam folder. That is probably what happened, but she also said that it was my responsibility to check the spam folder for the invoices which is a completely unrealistic expectation. The Follow-Up : When I was speaking with the Barclay 's representative on XX/XX/XXXX, he provided me with the address to dispute the credit agency claims - Barclays Credit Bureau Dispute Department. On XX/XX/XXXX, I submitted a letter to Barclay 's Credit Bureau Dispute Department explaining the problem ( as I have noted above ), and requesting that they reverse the negative CRA reports as they were a communication mistake. On XX/XX/XXXX, I received a short form letter back stating that, " ... our investigation confirmed that your account is being reported accurately ''. On XX/XX/XXXX, I submitted a second letter to Barclay 's Credit Bureau Dispute Department stating that their initial conclusion of, " ... reported accurately '' is technically correct because Barclay 's did not receive payment. But that was not the the reason I appealed. My appeal was because Barclay 's is culpable for the miscommunication that caused the late payments. Because of that, they should take responsibility for their error and reverse the negative CRA reports. I also emphasized that they had the means to communicate with me via USPS letter BEFORE they sent the negative CRA reports, but they chose to report me first and then send me the letter I received on XX/XX/XXXX. On XX/XX/XXXX, Barclays sent the exact same form letter to me that they sent on XX/XX/XXXX with the same words that, " ... our investigation confirmed that your account is being reported accurately ''. No acknowledgement whatsoever of what was in my letter or any recognition of XXXX 's culpability. On XX/XX/XXXX, I posted a message on Barclay 's website asking for help. I was contacted by phone a couple days later and explained the situation whereas I was given a Manager 's name to contact. After speaking with her, she said that she couldn't do anything but reopen my case, and referred me to an Escalation Manager. I spoke with the Escalation Manager and she said that she could not remove the delinquency because Barclays had not received an " undeliverable email '' notification when the invoices were sent to my email. Thus, they assume the emails went through and if the invoices went into my spam folder that it was my responsibility to find them there. She then provided me with the address of the Office of the President to escalate the matter to. On XX/XX/XXXX, I submitted a letter to the President of Barclays explaining the situation and the simple miscommunication, pointed out how the internal policies prevented the Managers from removing the CRA delinquency reports and requested that he have his team retract the negative information that was sent to the CRAs. On XX/XX/XXXX, the President 's Assistant called me and left a voicemail on my phone with her name and extension. I promptly returned the call but was sent to voicemail. No return call. I called twice the next business day with no return call. Three times the following day with no response. 16 additional calls were made over the next several weeks leaving messages for both the President 's Assistant and the Office of the President 's voicemail, with no responses. On XX/XX/XXXX, I submitted a second letter to the President of Barclays informing him of the several unanswered calls that have been made and requesting that he please address my concerns. No response has been received. I have made several calls to the Office of the President over the last couple of weeks and all went to voicemail with no call-back responses. On XX/XX/XXXX, out of total frustration on what should have been a very simple issue to resolve, I am submitting this complaint to the Consumer Financial Protection Bureau. Thank You for your help.
04/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	PR 009XX	Web
After sustained economic hardship stemming from the 2 hurricanes ( Irma and Mara ) that hit XXXX XXXX in XX/XX/XXXX and the COVID lockdown, I have made every attempt to get back on my feet. During the past 2 years I have made steady progress, paying off almost all the debt incurred during these past years. Once I felt I had payed off enough of my credit card debt with two different companies and could work something out, I reached settlement agreements with both of these. The first agreement was a 4 payment plan that would pay off around 55 % of the debt at the moment, I held up my end of the deal and after the last payment I received a letter from them confirming that " We received your final payment, and you have completed the terms of your settlement agreement. ". Nonetheless, I never received any such communication from the second credit card company. After complying with a 3 payment plan ending in XX/XX/XXXX, I proceded to call them and ask why. I was then told that I hadn't complied with the agreement, which I completely disagreed on. After many, many phone calls and many, many hours devoted to solving the mystery ; I was told that the 2nd payment was made for {$300.00} instead of {$350.00} and therefore, I had failed to complete the settlement. They said that they would open an investigation and get back to me with the results in 24-48 hours. They never got back to me. I proceded to call again and -after the mandatory 2 hours and 4-5 handoffs from one agent to another and from one department to another- I was told that they had listened to the recording of our initial phone call and that the agent had said the amount agreed for the last payment was in fact a {$350.00} final payment. They added that I had only payed {$300.00} and was in default. Since I never made any payment myself because it was automatic deductions from my bank account, I let them know I was in complete disagreement and would call back at another time as I'd already spent hours that day on the phone in an attempt to clarify the situation. I called again and again and finally on the XXXX of XXXX, XXXX, after I spoke to more than 6 agents I was handed off to a Supervisor who, once he learned that I wasn't making payments at all rather undergoing automatic deductions in my bank account ; said he would find a resolution to this case. He said he would try and do so before that Friday because he would be out on paternal leave after the end of that week. He continued to say that otherwise I would receive an answer before the XXXX of XXXX, XXXX. I never got an answer that time either. To my great surprise, I received a letter from said company billing me for the account 's balance ( the same amount that would be condoned after making the agreed 3 payments ). I called again today Monday XX/XX/XXXX. I spoke to 4 different agents, I spent approximately 4 hours on the phone. I was told the would reopen an investigations they felt that my case had been mishandled. I went ahead and asked they stop their collection attempts and any reporting to credit agencies until the investigation was clarified. I was told that they wouldn't do that. I asked when I would have an answer to the investigation, since I have increased my credit score by approximately XXXX points in the past months and would not want to put that at risk. I was again told, they couldn't give me a date. I asked for the name and phone number of an agency or organization that I could contact in order to file a complaint, I was denied that information and told to go get it on my own by the rude, disrespectful, impatient collection department supervisor. Here are the facts : 1 ) I had a credit card with the company. 2 ) I had a debt with said company. 3 ) I reached a Settlement Agreement with them. 4 ) I received a letter from them stating the following : " Hi. We are confirming your authorization to deduct funds from your bank account to pay your XXXX Rewards Mastercard Account. Here are the details of those payments. Please keep this letter for your records. XXXX {$600.00} XXXX {$300.00} XXXX {$310.00} '' 5 ) I kept my end of the deal and kept sufficient funds in the bank account I offered for the automatic deductions agreed upon in our Settlement Agreement. 6 ) The 3 payments were deducted from my bank account. {$600.00} on XXXX XXXX, XXXX reference # XXXX {$300.00} on XXXX XXXX, XXXX reference # XXXX {$310.00} on XXXX XXXX, XXXX reference # XXXX XXXX ) After not receiving a statement from them confirming full payment as per our agreement, I called them. They stated I was in default for not complying with the right amount in the 2nd payment. I explained our agreement was made so that automatic deductions were made, they took the money from my bank account. I didn't make a mistake in payment, they made a mistake in deduction. told them I even had a letter from them saying the 2nd payment was for {$300.00}. 8 ) They have told me that they agree with my interpretation but they can only ask to reopen the case. Case was reopened today. 9 ) I asked they stopped collection attempts and especially reporting to credit agencies, as the case was being investigated. They denied my petition. 10 ) Any negative remark to credit agencies will most definitely interfere with my credit score progress and on-time payment history. 11 ) I ask you listen to my complaint and provide assistance, an adversative procedure within the Credit Card company 's bureaucracy is a one-sided process with next to nothing in terms of recourse or options for a consumer. 12 ) This establishes a very dangerous precedent for consumers when confronted with Credit Card companies where they -even when charged with the responsibility of making the proper deductions- can purposefully deduct any smaller amount with the aim of putting your Settlement Agreement in default. This would cause the following : baiting consumers into agreements that involve making payments totaling approximately half the debt in just 3 months with the false promise of erasing full debt. Going after those same clients and asking for the remaining balance based on a false premise of breach of contract. 13 ) In my case the deduction was a mere {$50.00} less than what they say it should've been. Nobody in his right mind would pay 50 dollars less on a {$1200.00} balance and risk paying more than twice as much later.
01/19/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 45056	Web
I am writing to submit a complaint about the dispute process on my Uber Credit card with Barclays. The initial charge concerned was for {$430.00} on XX/XX/XXXX with XXXX. This was for the purchase of a plane ticket, which was canceled on XX/XX/XXXX because of the coronavirus. Initially, the company promised a refund of the ticket, but it never sent my refund despite my efforts to request one. After a few months of trying to pursue a refund with XXXX, I decided to escalate the situation by disputing the charge on my credit card. I sent my dispute letter in XXXX of XXXX. Since XX/XX/XXXX, Barclays has failed to investigate my case properly and issue a refund for the purchase. Each time I have called or received written communication from Barclays, the representative has given me information that contradicts what was previously said. Each time, the representative has told me that the previous agent at Barclays was incorrect. I have made a good faith effort to resolve this issue, first by communicating with the merchant and then by calling and writing to Barclays. I believe Barclays and its agents/representatives have been intentionally deceptive by providing me contradictory and/or inaccurate information. They continue to delay my case and have failed to resolve the issue, and I believe Barclays simply intends to wait it out until I stop pursuing my dispute. To provide context for my complaint, I am providing a detailed timeline of my correspondence with Barclays. This timeline is based on the notes I took during/after each phone call and the written letters I have received. I can also provide copies of the letters received from Barclays. ( approximately ) XX/XX/XXXX : I sent a letter to Barclays to open my dispute case. Letter dated XX/XX/XXXX : I received a letter from Barclays indicating they received my dispute letter and that it would follow up if additional information was required. Letter dated XX/XX/XXXX : I received a letter from Barclays identical to the one sent on XX/XX/XXXX. Letter dated XX/XX/XXXX : I received a letter stating my dispute case was closed because Barclays did not receive enough documentation. The previous letter ( XX/XX/XXXX ) indicated Barclays would ask for any documents necessary, yet I never received this request. Call around late XX/XX/XXXX or early XX/XX/XXXX : I called Barclays to follow up on the letter from XX/XX/XXXX. I explained that my case was incorrectly closed because I never received a request for additional documents. The representative instructed me to send another letter with copies of my correspondences from the merchant. I sent this letter around XX/XX/XXXX. Call on XX/XX/XXXX : Since I had not heard back about my letter from XX/XX/XXXX, I called Barclays to follow up. The representative told me that the case was re-opened based on the information in my letter sent around XX/XX/XXXX. The representative said that Barclays would contact the merchant, and the merchant would have 90 days to respond. The representative said that if the merchant did not respond by XX/XX/XXXX ( the end of the 90-day period ), then I would receive a refund to my account. The agent assured me I would receive this refund by XX/XX/XXXX. Letter dated XX/XX/XXXX : I received a letter stating my case was closed because it was outside the timeframes to continue this claim. Call on XX/XX/XXXX : I called Barclays to follow up on the letter from XX/XX/XXXX. I spoke to 4 representatives because my call kept being dropped. I informed the representative about the promise to receive a refund by XX/XX/XXXX ( See call on XX/XX/XXXX ). The first two calls were dropped. Representative 3 ( call 3 ) : Told me that the case was closed due to the time frame for the case having elapsed. This representative said that the previous representative ( from XX/XX/XXXX ) was incorrect about promising the refund. Representative 4 : This person told me that the case had been wrongly classified. It was classified as a lack of refund/credit, and the case needed to be re-classified as a no services/product received. The representative said she was escalating the case and I would hear back within 8-10 business days. Call on XX/XX/XXXX : I called Barclays since it was the end of the 8-10 business day time frame and I had not been contacted. The representative told me more time was needed, and I should call back on or after Friday ( XX/XX/XXXX ). Call on XX/XX/XXXX : I called Barclays to follow up about my case as directed by the previous phone call. I spoke to three representatives. This phone call lasted 53 minutes. Representative 1 : Put me on hold while reviewing the case. When the hold ended, I was suddenly speaking to Representative 2. Representative 2 : He said that he saw my case was escalated and he would make a note that I called. He said I needed to wait for the case to be reviewed and he would forward me to someone else to speak to. Representative 3 : He completely contradicted Representative 2. He said the case had been closed on XX/XX/XXXX and I needed to send a letter in order to reopen the case. This was the opposite of Representative 2, who said the case was in the process of being escalated. Representative 2 also said that the information I was provided by other representatives at Barclays was incorrect. On several occasions, representatives have contradicted previous representatives and indicated other Barclays agents were incorrect. Summary I am submitting this complaint because Barclays has offered several competing and contradictory explanations for my situation : the refund will be issued XX/XX/XXXX, the case is being escalated, the case is being closed, etc. At each step, I have followed the directions of the Barclays representative with whom I spoke, and when Ive followed up on those directions, the new representatives says the previous one was incorrect. The representatives/agents at Barclays appear ill equipped or inadequately trained to review my case and provide me the correct information for how I can proceed. I have spent approximately 4 hours on the phone with Barclays trying to resolve my dispute case. I believe these practices are deceptive and an effort to make me, the customer, drop my case. This is a clear breach of the dispute process laid out in the terms and conditions of my Barclays credit card.
06/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	IL 60181	Web
To Whom it May Concern ; Im a client of Barclays Bank Delaware ( the Bank ). I believe the Bank has violated several Regulation E citations as it relates to transaction dispute process, as well as the Bank engages in unfair, deceptive, or abusive acts and practices ( UDAAP ) for their credit card add on products. On XX/XX/2022, we purchased a five day, all included vacation package through XXXX XXXX XXXX XXXX ) company. This was not the first time we are doing it. We chose the XXXX XXXX as we have stayed there previously and liked it. The marketing on XXXX website stated that this is exclusive resort recently renovated, and the beautiful pictures confirmed their statement. The trip cost was {$3900.00}. When we arrived, things looked a bit different. First, resort looked nothing like it was presented in the pictures on XXXX web site, but that was not the worst thing. We were placed in the room which was not what we chose when we purchased the trip, the Manager stated that room is changed for the tech difficulties with A/C system ( ok things happen ). So, we unpacked and went to grab something to eat, time is around XXXX Local, to our surprise only working food stand had burgers, ( just a bun and a beef patties ) and drinking water, again not a big deal, at XXXX restaurants will be open for dinner. We decided to get back to the room change for the beach. After entering the room, which smelled unpleasant with scent of mildew we found that all our clothes and other items are infested with bugs, I start filming it, we do not know what they are and what they do but to me it looked like lice or perhaps sand fleas. I told my wife to start packing and cleaning and I, myself went to the front desk to talk to admin and XXXX representative. Admin on duty right away offered to change the room to a different one after reviewing the video and stating that it is probably spiders! I went to inspect the room but come back because room walls and ceiling was covered in mildew ( see attached pictures ). Once again, we were offered another unit, which was sort of OK. XXXX rep was not on premises and impossible to reach over the phone or email. For dinner, food quality and variety were almost nonexistent. Three different courses of main dish, vegetables, or fruit nowhere to be found it was really uphauling. All my statements have video or digital picture proof and provided upon request, also supporting evidence can be requested from the couple we befriended during the stay from XXXX, they were shocked by the service and quality or lack of it. Next day we contacted XXXX rep and asked to move us to a different resort or send us home, the answer was that it is impossible because all resorts they manage are fully booked and additional flights are not available. We tried to book the return tickets ourselves but were unable to acquire any. So, we were stranded to the end. Now lets move to the beaches. Beach access is nonexistent, rocks and black dirty sand, when we were visiting previously approximately 7-8 years ago this resort had a pretty nice beach with beach chairs and nice umbrellas to protect from a sun, this time only couple standing umbrellas and some broken chairs which people are reserving XXXX oclock in a morning, for approximately XXXX people in a resort I figured about 200-300 chairs and about 50 umbrellas, clearly the resort is overcrowded and over booked. So that left us all at the mercy of the pool which hygienic conditions were very questionable. I managed to meet with the resort managed and discuss the issues, he stated that resort is struggling financially and not because of the COVID, but mostly of a bad management. I was offered a voucher to the restaurant as compensation, ( Keep in mind, it is ALL INCLUSSIVE resort ). On the day 3 of the stay during the dinner all resort plunged into complete darkness power was for some reason cut down, no warnings or explanation was given for hours. Bars in a resort does not even have non-disposable cups for coffee, drinks are served eider in plastic cups or mismatched glasses cleanliness of which is very questionable This is just a short summary of our horrible experience. I think that paying a $ XXXX night ( if you count, leaving the business which I manage and our two dogs with a sitter it comes to that $ XXXX {$1200.00} a night ) we were entitled to some comfort. Upon return home I contacted XXXX, the vendor of our vacation and requested our money back, but my request was denied. So, I decided to make a claim to my Barclays XXXX XXXXXXXX card. We had purchased additional Trip insurance, but they explained that this complaint does not fall under parameters of this insurance ( sounds like a sketchy insurance and useless ), clearly the Bank is engaging in a form of a XXXX by selling this add on product with no benefits of travel. Finally, they agree to launch an investigation on XX/XX/2022. The Bank offered a provisional credit for the amount charged {$3900.00}. During the time till XX/XX/2022, no one contacted me regarding the issue in any way, when I called in to inquire in XXXX, answer was case is still under investigation. I did not receive any communication indicating the Bank received my claim and has started the investigation as Regulation E requires. On XX/XX/2022, I was checking my statement for payment and was surprised that charge was reposted without any explanation. I did not receive any communication as it relates to the outcome of the investigation. I did not receive any communication as it relates to retracting the provisional credit as Regulation E requires. Further, I did not receive the Bank request for an extension of the investigation beyond the allowable time frame per Regulation E. So, I called back and was offered to reopen the case but first I must pay the bill. Is the purpose of the credit card or banking institution is to protect consumer from fraudulent charges and help me deal with a vendor that is not being cooperative? When I pay for a product or service and I do not get it as it described, charge should not be applied. I am not liable for faulty product and or service in the end it is my money and I decide to pay or not, the other party can take the legal action to resolve their issues.
10/15/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	WI 548XX	Web	Older American
On XX/XX/2022, my husband and I met with XXXX and XXXX XXXX salespersons at XXXX XXXX XXXX, XXXX. We were taken advantage of, mistreated, lied to, coerced, and swindled by XXXX 's and XXXX XXXX 's salespeople. After 7 excruciating and exhausting hours, being physically moved to 3 different sales areas in the resort, and with 5 different salespersons that day, after we explained to every salesperson we met with that we were not in a place emotionally or financially to make a decision to purchase anything because of the loss of our 2-day old grandson just a month prior, we finally were broken down enough to agree to a purchase of the cheapest offer of the day. Regarding the contract we signed for the XXXX XXXX purchase, we were repeatedly assured that we were able to stay at XXXX XXXX anytime we wanted to for 100 years, the same as the XXXX membership ( which we said we could not afford ) would offer, but the less expensive XXXX XXXX package would allow us travel to other resorts and hotels as well. The salesman explained that the XXXX XXXX package would also include the bonuses of 1 free week staying at participating XXXX resorts as well as two free round trip airline tickets, and two resort weeks at XXXX XXXX XXXX. The XXXX XXXX salesman explained that we would receive more detailed information about our XXXX XXXX package and membership privileges within several days of purchase. On XX/XX/XXXX, I was told by a XXXX XXXX representative on the phone that we would be receiving login information to use to access the membership privileges on the XXXX XXXX website within a few days and then we would have access to the details of our package. Not until we filed a complaint with the XXXX XXXX XXXX, 3 months later, did we receive any information about how to log in to create an account and access information about our membership with XXXX XXXX XXXX XXXX In XX/XX/2022, we provided documentation to XXXX of the transaction between my wife and myself and XXXX XXXX XXXX XXXX, XXXX which was also provided to the XXXX. As noted in that documentation, the credit card company we used to pay for a portion of the vacation package determined the transaction fraudulent and refunded us the total charge of {$7700.00} paid to XXXX XXXX XXXX XXXX XXXX state they are retaining {$5000.00} of the {$12000.00}. paid by us on XX/XX/2022, as they claim this was an " initial membership participation fee '' which is non-refundable. Nowhere, in any of the paperwork we received regarding the transaction does it note that {$5000.00} of the total {$12000.00} charge is an " initial membership participation fee. '' In XXXX, we included the " XXXX XXXX Purchaser Acknowledgement '' form, the " Enrollment Application '', a " Payment Receipt XXXX '' and an " Authorized Initial Purchase Amount '' form for reference. Again, there was no mention of an " Initial Membership Participation Fee '' charge of {$5000.00} in any of that documentation. We received the " Authorized Initial Purchase Amount '' form from the XXXX credit card XXXX XXXX XXXX mail about 3 weeks after we purchased the vacation package on XX/XX/2022. This was after we notified XXXX and XXXX XXXX of our dissatisfaction of the purchase and our request for a refund. In this form " Your Rights If You Are Dissatisfied with Your Credit Card Purchases '' are noted. To exercise the right to not pay the remaining amount due on the purchase following trying in good faith to correct the problem with the merchant the following conditions must be true : 1. The purchase must have been made in your home state or within 100 miles of your current mailing address. 2. You must not yet have fully paid for the purchase. Since we purchased the vacation package while in XXXX, the purchase was not in our home state or within 100 miles of our address, and we did pay in full. We were never informed of these ridiculous conditions of our customer rights when we applied for the in-house financing ( XXXX XXXX credit card XXXX XXXX Nowhere in any of the documents provided to us by XXXX XXXX XXXX is there an explanation or description of an initial membership participation fee charge of {$12000.00} or {$5000.00}. The purchase price is noted as " enrollment cost '' on the " XXXX XXXX '' contract ( Number : XXXX ). The {$5000.00} charge on the XXXX credit card is noted as " Initial Purchase ''. The terms and conditions of the XXXX credit card were never provided to us at the time we applied for the card. We received a hard copy of the terms and conditions by mail several weeks after we applied for and paid XXXX XXXX {$5000.00} XXXX If we would have received the terms and conditions and been aware of the restrictions regarding being able to dispute charges only if charges were made in our home state or within 100 miles of our home address, we would certainly have not used that card for any part of the purchase. We believe this is part of the fraudulent, deceitful, and unethical business practices of XXXX XXXX XXXX XXXX We have been swindled out of {$5000.00} by XXXX XXXX XXXX and XXXX XXXX We have received no service or goods for the {$5000.00} charge on the XXXX credit card. XXXX XXXX and XXXX XXXX XXXX consider this case closed. We do not consider this case closed because the contract has been cancelled by XXXX or XXXX XXXX XXXX We will consider this case closed whenthe {$5000.00} charge ( and late fees ) on the XXXX credit card are removed. Moreover, when we received notification by letter in XX/XX/2022 that XXXX was investigating our complaint ( Case # XXXX ) regarding the transaction and charges, we contacted XXXX by XXXX. The representative we spoke with assured that the case was closed and the {$5000.00} initial charge as well as the late fees would all be reversed and our account with XXXX would be closed. We were shocked when we received a bill in XXXX for the {$5000.00} plus interest and late fees. XXXX XXXX XXXX XXXX XXXX provided a response to our complaint and disputed our accusation of fraudulent business practices. The XXXX provided documentation to us that XXXX XXXX did not respond to the complaint for fraudulent business practices. We have received no goods or services for the {$5000.00} charge on the XXXX credit card statement.
03/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	KY 40505	Web
On XX/XX/XXXX, while in XXXX XXXX, I made a reservation, over the phone, with a hotel, the XXXX XXXX, located XXXX XXXX, XXXX XXXX, using my Barclays Aviator XXXX XXXX XXXX Mastercard. The reservation had my party checking in XX/XX/XXXX and checking out XX/XX/XXXX. While making the reservation, I explained to the representative that our party consisted of XXXX0 people ( 8 adults and 2 children ). The representative explained that our party would fit comfortably in the 3 rooms that we were reserving, because the rooms were were getting contained a total of 4 king-sized beds. The total for the reservation {$2000.00}. Upon arrival at the XXXX XXXX, I went through the normal process of checking in at the front desk and receiving the keys to the three rooms I had reserved. However, upon entering the rooms, I quickly noticed that we had not received the accommodations that were explained over the phone. All four of the beds in the 3 rooms were, in fact double beds, not king-sized beds. I immediately returned to the front desk to explain the problem with rooms. There was not enough space for our party. Their resolution was for us to rent another room or to purchase inflatable mattresses to provide more sleeping space for our party, but that they could not offer any other solution. Understandably, I was upset with the situation, and decided to contact my credit card company. I had to use the International Collect number to explain the situation. I was told by the credit card representative, XXXX, to take pictures of the rooms, if possible, to show the discrepancies of the actual rooms compared to the description I was given over the phone to provide evidence in my upcoming dispute. I was also told that I could not proceed with a dispute claim over the phone with her, that it was her the company 's policy that I create one online. I explained that I would do just that. We left the hotel and did not stay one night there, due to the fact that their representative had been dishonest with us in describing their rooms and that the beds were not large enough to accommodate our party. We were able to find another hotel and stayed there for our time in XXXX XXXX. After checking in at our new hotel, I immediately used my computer to begin my dispute. However, Barclay 's website explains that all online disputes must wait 14 days after the purchase to begin a claim. They did however, have a phone number to call regarding disputes. I immediately attempted to call the number, but unfortunately by this time in the day, their offices were closed. I called first thing the next morning, XX/XX/XXXX, to get as much information as possible. To my pleasant surprise, I was able to initiate my dispute on that day XXXX, XXXX and received my Case ID : XXXX. I was told by the Barclay 's representative to save my invoice from the second hotel that we were actually staying at for further evidence that we did not stay at the hotel. I asked him if the phone call was being recorded to also show that I was not staying at the XXXX XXXX XXXX. He assured him that it was being recorded. At this point I received a provisional credit covering the {$2000.00}. Fast forward to XX/XX/XXXX. I had not received any correspondence from Barclay 's, up to this point. On this date, I received a letter explaining that Barclays was unable to pursue credit on my half, due to the fact that the merchant supplied documentation that details what the transaction represents. Also included in this letter was the statement, " If you have additional supporting documentation that was not previously disclosed, you may reassert your claim within 10 days of receiving this letter by sending a signed and dated letter to : Billing Disputes XXXX XXXX XXXX XXXX, DE XXXX ''. Before doing so, I called the Dispute department to make sure I was going about the process in the correct manner and to try to ascertain as much information from them as possible. The Barclay 's representative explained that my claim has been denied because the merchant had claimed that " services were rendered ''. This was clearly not the case. I had called Barclays on the date of check-in and explained that whole situation at that we were not staying. I also had initiated the claim the following morning from the hotel that we actually stayed. I found it unacceptable that Barclays would communicate with the merchant throughout the " investigation '', but not one time reached out to it's loyal customer for information. Despite this fact, I gathered all of my evidence and moved forward and reasserted my claim within the time frame given by Barclays. Fast forward to XX/XX/XXXX. I received a second letter, dated XX/XX/XXXX, from Barclays explaining, " After further review, we're not able to assist you with obtaining a credit to your account due to the following : Merchant has not violated the terms and conditions of the contract. Once again, not one time did anyone from Barclays attempt to communicate with me during their " investigation '', yet during both phases of their investigation were able to communicate with the merchant. Once again I attempted to contact Barclays via phone on XX/XX/XXXX at approximately XXXX. I was placed on hold at waited 2 and half hours until XXXX and was hung up on. XXXX is when their offices close. I called back the next day, XX/XX/XXXX and was thankfully able to get through. I was told that the claim was closed and that there was no other help that would be provided by Barclays. I asked to speak to a supervisor and after jostling back and forth with the representative, was finally placed on hold to wait for the next available supervisor. After being on hold for nearly 45 minutes, the representative came back on the phone to explain that no supervisor was available at this time. He took my phone number for a manager call back. He explained that I could expect a call within 10-15 business days. I found this hard to believe that no management was available to assist customers for up to 4 weeks including weekends. So, that is where I am at right now in the whole process. My bill of {$2000.00} is due on XX/XX/XXXX. Thank you, XXXX XXXX XX/XX/XXXX XXXX
11/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 33185	Web
My family and I travelled to XXXX in XXXX of XXXX I notified BARCLAYS ( XXXX XXXX Aviator ) that we would be overseas for our travel dates XXXX XXXX. My husband has an extension card on my account which is what we used 95 % of the time during our trip to XXXX, XXXX and XXXX. In XXXX, my husband 's card was declined a couple of times since we were out of the country. He called the XXXX and had that fixed. Not sure why this happened since I notified BARCLAYS about our trip maybe 1-2 weeks prior to our trip. In XXXX, I used my own card a couple of times. Now, in XXXX, I get a text alert from my Jet Blue card ( both my XXXX and Jet Blue cards are under the same account ) saying there was an attempted purchase at an XXXX XXXX for {$1600.00}. They asked if it was me and I pressed the option that it was NOT me. ( I have the text records ) The same day an attempt was made with my XXXX XXXX for the same exact purchase at XXXX, yet I did NOT receive a text at that time. In XXXX from XXXX XXXX only ONE charge on MY card was made by me at a XXXX type pharmacy called XXXX on XX/XX/XXXX. There are another I'd say 6 at the same store. All other charges on XX/XX/XXXX and beyond are not mine. All other authorized charges on this account were made with my husbands card extension and it is confirmed in the charges in my statement. When I got back to the sates, I went through my account and saw that there were multiple fraudulent charges in XXXX. About 25 of them to be exact. The {$1600.00} at the same XXXX store as well as small charges at cafes, post offices, computer repair shops and large XXXX XXXX purchases. All of these fraudulent charges totaled about {$2100.00}. I called and spoke to a XXXX XXXX at BARCLAYS for 40 minutes on XX/XX/XXXX. We went through ever single fraudulent and not fraudulent charges. She marked them all and went through them at the end. At the beginning of the conversation, I explained to her that about my travel notice to card, as well as travel dates and that I wasn't quite sure what had happened to my card, but it was either stolen at the airport or fell somewhere or pic pocketed. All in all, I told her I no longer had my card and had looked for it when I saw the fraud upon my return home but couldn't find it. I was honest and it is on that phone call record which they confirm to have all phone records. Well, it has now been over FOUR MONTHS since my 1st call to BARCLAYS XXXX XXXX XXXX Aviator ) about the fraudulent charges. Although they at first removed the XXXX charge and some of the smaller fraudulent ones, they sent a letter stating that they reversing it citing that the purchase was mine because " chip technology was used ''. Well, it was not in my possession, no pin was used which I don't understand why you don't need a pin for that size of a purchase. It has been a complete nightmare to fight these fraud charges. I have been treated with the worst customer service. Have had to call so many times to have to tell different agents the whole story. They have read notes TO ME on my account which are lacking probably 80 % of the information I provided them with during my first phone call. There has never been one person in charge of my case, as I have been told it is the whole fraud department that works on the cases. I have received about 5 letters total about the charges. The first one removing the fraudulent charges pending investigation and then a bunch of poorly written, short answers with little explanation on their decisions. I have received ONE call when I requested a call back from a manager stating that I should FAX documents pertaining to my case which I found unnecessary and disrespectful as they had everything in the system and was NEVER asked to send in from the beginning, and I had to call 10+ times ( since everything takes " 7-10 days to review '' ). This was basically to give me the run around as they had been for months. Since there wasn't anything else I could do ( before I knew about this site ) I prepared a detailed package of 9 pages which included everything from a cover letter explaining the details of the issues, XXXX phone records with my calls to them, airplane tickets. Highlighted fraud charges on my card, authorized charges on my husband 's extension card and a screenshot of their text to me about the attempted XXXX purchase with my other Barclay 's card ( Jet Blue ) On one of my first calls, they checked and CONFIRMED I never received the fraud alert text for the XXXX fraud charge on my XXXX XXXX, the card I have been writing about in this complaint. I believe most of these months except the last two we had been making the payments in full- as we always have on a very timely manner since I got my card many years to avoid interest. We have started in the last couple of payments to only pay the minimum amount since we can no longer continue with this circus and disrespectful situation nor do we have the funds to! Now, to top all of this off, there were two charges made on my cards prior to my trip on two cancelled hotel reservations. These were easy to take care of as I called the same day to advise them of the situation. One had not posted yet and the other was a charge on a XXXX reservation which was also cancelled, and I received confirmation of its notification from the result that I would not be charged. These charges which were already removed and haven't been an issue at all since my call to them in XXXX prior to my trip are just now coming up for an unknown reason and being put back into my statement! This is unbelievable. Also, they had apparently removed some XXXX charges which were clearly mine without my knowledge which shows just how messy and unprofessional this ordeal has been. So, the last two letters received in XXXX were of the reversal of those hotel charges and some random XXXX XXXX charges. I am beside myself. I have not received a call or a letter or a call regarding my required " fax '' to them from the very first days in XXXX regarding my original complaint in regard to my XXXX fraud charges.
11/30/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 76227	Web
Dear Sir or Madam, 1. BRCLYSBANKDE Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with BRCLYSBANKDE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
09/15/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN XXXXX	Web
Complaint Explanation 1- On XX/XX/2020, I had purchased an airline flight ticket using my Barclays Bank credit card for ( {$700.00} ), through the merchant ( XXXX ) ; my flight was scheduled on XX/XX/2020 on XXXX XXXX Operated by XXXX XXXX . ( Document No. 1 ) 2- Then, on XX/XX/XXXX, due to fears of an outbreak of the Corona epidemic specially in XXXX where the flight would transit, I had decided to cancel The flight thru the App. of XXXX XXXX and the flight was indeed canceled on that day. ( Document No. 2 ) 3- In the same day, an email issued by XXXX XXXX XXXX that they had received my request of cancelling the flight and that the cancelation is acknowledged. 4- Then, since I couldnt reach www.mytrip.com over the phone as they never answer, I sent them an email and asked them to give or send me a flight-cancelation confirmation email. However, they replied to my email saying that our records shows that the flight is not cancelled and that they do not recognize the cancelation of the flight by the XXXX itself!!! XXXX So, I asked XXXX again via email to assure the cancelation of my fight, which processed by XXXX XXXX and obtaining a refund. But they had completely refused which is against their own flight-ticket-purchase terms and conditions. ( Document No. 3 ) 6- XXXX and I have been exchanging emails for over two months trying to get a proper refund of my purchased flight ticket, but unfortunately with no use or success. 7- Therefore, I had to file a dispute/complain to my credit card issuing Bank Barclays Bank , on late XXXX, 2020. 8- Barclays bank did not accept my dispute case for 3 times for no reason nor reasoning. Even though XXXX XXXX has twice confirmed to me, by mail, that they have refunded the flight ticket value back to the merchant in XX/XX/2020 Hereafter is a list of all the enclosed related/supporting documents : - A copy of the electronic ticket issued by ( XXXX XXXX ) with the same flight data ( Document 4 ) - An email issued by the XXXX XXXX, the flight operating XXXX, confirming that the price of my ticket had been refunded to the merchant on XX/XX/2020, at the end of the same month in which the flight was canceled. This means that the merchant had kept my money for itself for more than six months. However, the merchant has lied several times, at its emails, saying that they has not received the money so far from the XXXX and kept blaming the XXXX. ( Documents 5,6 ) - The cancellation policy for refund that have been agreed upon and contracted with the merchant. And which the merchant has violated the terms and conditions on his part. ( Document 7 ) - An email sent to me from the merchant confirming that they are going to refund me my money and that they will deduct all related fees, They also have confirmed the cancellation of the ticket. ( Document No 8 ) - An e-mail sent to me from the merchant on XX/XX/2020 confirming, for the second time, the cancellation of the ticket. And they had confirmed their request to the Airlines to refund the money. The merchant has also asked me not to try to contact them in any way until I receive another notice about my case. ( Document 9 ) - An e-mail sent to me from the merchant on the end of XX/XX/2020, since which they start lying to me whereas at this time they had already received the refund from the XXXX company. The merchant also kept blaming the XXXX company for the delay and kept promising me to return the money to me as soon as it is transferred to them from the XXXX. For the second time, they asked me not to try to contact them in any way until I receive another notice from them regarding my case ( Document 10 ) - An e-mail sent to me from the merchant on the same previous date, XX/XX/2020, which contains lies as well. For the third time, they asked me not to try to contact them in any way until I receive another notice from them regarding my case ( Document 11 ) - An e-mail sent to me from on XX/XX/2020 in which they continued lying. For the fourth time, they asked me not to try to contact them in any way until I receive another notice from them. ( Document 12 ) - An e-mail sent to me from the merchant with more lies on XX/XX/2020, and again, they asked me not to try to contact them in any way until I receive another notice. ( Document 13 ) - An e-mail sent to me from the merchant on XX/XX/XXXX, For the sixth time, for some reason, they asked me not to try to contact them in any way until I receive another notice from them. ( Document 14 ) - When I tried to communicate with the merchant repeatedly, specially because I knew for sure that they had recovered the money from the XXXX company as the airline informed me of that. ( Document 5 ) - Afterwards, they answered me " reluctantly '' that they have considered this matter closed and the reason is that because I did not communicate with them for 60 days!!!!! ( Document 15 ) - As I had no other option but to file a credit dispute claim to my credit card issuing bank " XXXX '', the merchant told me that I would not be able to get my money as I dared to file a file a complaint against them to the bank. They threatened and blackmailed me mentioning that if I wish to recover my money, that bank complaint submitted against them must be waived first ( Document 16 ) - The strange thing about that matter is that my bank ( Barclays ) did not stand by nor supported me, unlawfully. The bank disavows its duty to protect the money of its customers. - The bank ( Barclays ) closed my dispute ( case ID : XXXX ) against the merchant three times without a genuine nor a reasonable reason since I started my dispute, despite my desperate attempts to prove my right and return the money. - If my bank " Barclays '' just once has tried to thoroughly read out the documents that I had sent to them, they would have been more able to get to the truth. - Attached is a copy of the bank 's response with the reasons for closing my case ( document 17, 18, 19 and 20 ). These reasons to close my cases are all incorrect and false.
11/01/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	AR 72113	Web
It has been 2 years since I was tricked into applying for a credit card with XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I fell for it and invested into XXXX XXXX and I have yet to get what I purchased. This purchase took place on XXXX XXXX, XXXX for {$9000.00}. To this day, this is the only transaction that was put on this credit card. I filed a dispute with XXXX credit card and they did not do anything. I believe it was because XXXX is a partner with XXXX XXXX. XXXX 's XXXX partnered with XXXX to solicit their credit card to their prospects so that they could get their money upfront and then when they did n't hold to their end of the contract, they would already have their money and the client would be obligated to pay back the credit card company. This is not right. They invited me to a high-pitched sales presentation where they were soliciting their timeshares. Within days of making my purchase, I called to make reservations to bring my sister and her husband up to see my investment because I was so excited about it. I called back a few days after purchasing to come back that weekend for a 1 ( one ) day stay to show my relatives. The agent ( gentleman ) I spoke to was 'suppose ' to call me back with reservations, but I never heard back from him. I then just decided to drive up that following weekend anyway since I was still excited and wanted to show off my new vacation site. When I got to the reservation office and explained that I had tried to make reservations for a 1 day stay, I was told that I would have to wait and speak to an agent. Well, I waited about 45 minutes while people hurried by ignoring me without even an acknowledgment. I finally went into the area where the presentations were being held and just stood there hoping to get someone 's attention. I guess I was a distraction because that 's when I was given a night 's stay at the resort. I should have bailed then after that kind of treatment, but because I loved the resort, I decided to give it another chance. The only other time I have been able to stay at XXXX 's XXXX was when I was invited up by them for a 'supposedly ' owner 's update in XXXX XXXX. I was told to bring any concerns or problems. I came with my concerns about not being able to use my timeshare due to 'limited units ' being available each time I called for reservations. Instead of this being about addressing my issues, it was actually and invite to upsell me on a bigger unit and take more money from me. I was again offered another credit card. I did not take the bait this time, although the presentation was just as convincing as the last one. The only thing that saved me was a question I asked before signing that showed me it was another lie. My intentions in purchasing with XXXX 's XXXX were to have a nice accommodations while vacationing in the XXXX every year. I did not sign up to get railroaded into paying my money and having to stay 18 miles outside XXXX. I was also unaware that I had purchased a unit with stairs that would not accommodate my entire family. I emphasized that I bring my Mom to XXXX every year for vacation and that 's one reason I wanted somewhere nice to stay. All I wanted was to invest in a place where I could come with my family to enjoy well into my retirement. It has turned out to be a nightmare. After I put the cost of this property on the XXXX credit card offered thru XXXX 's XXXX, I am now out of {$9000.00} and nothing to show for it. I have been cheated and disrespected from the start. Every time I got someone on the line to make reservations, I was told only a certain number of units had been released or that there were no openings for my dates or they could put me 18 miles outside XXXX. Sometimes I would even leave detailed messages and never got my calls returned. This is not how you do business. After several failed attempts to get reservations from XXXX XXXX to XXXX XXXX, I decided to stop payment on the XXXX credit card because I was not going to continue to pay on something I was not using. I disputed the charges with the credit card company, but they would not work with me. Probably because XXXX was partners with XXXX 's XXXX. To make matters worst, I even had one sales agent to call me to invite me to a sales presentation unaware that I had already purchased a unit and when explained to her my issue, she told me that in the past, units had been leased out to 3rd parties and that was why none were available to the true owners. She did not have to disclose that information, but she did and I appreciated her honesty. As far as I am concerned, XXXX 's XXXX forfeited on the contract when they would n't deliver. After making monthly payments for more than 8 months, I decided to stop paying for something I never got. I am now in debt to XXXX credit card company ( XXXX ) for a timeshare that I have never used. I am requesting to be released from this contract and my money be refunded on my XXXX credit card. After I filed with the BBB, XXXX XXXX XXXX, general manager of XXXX 's XXXX finally called me in XXXX XXXX and agreed to release me from my contract, but in the release paperwork he sent me to sign, it stated that no money would be returned. I have tried contacting XXXX XXXX to inquire about why he was keeping my money, but he will not call me back. He sent an email in XXXX, stating that he would call me, but has not. I have been calling and calling and leaving messages for XXXX XXXX and his assistant XXXX, and no one will return my calls. The last contact with them was last week ( week of the XXXX of XXXX XXXX. I was promised to get a call back, but never did. This is a conspiracy. Again, I believe XXXX 's XXXX partnered with XXXX to trap people and take their money by encouraging them to take out their credit card and rob them of their hard earned money. I will do everything possible to prove it and expose XXXX 's XXXX for this tactic. This is a ripoff and I am tired of being taken advantage of. XXXX XXXX
08/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Advertising and marketing, including promotional offers Didn't receive advertised or promotional terms	CA 92081	Web
Around XX/XX/2018, I saw an ad on XXXX XXXX XXXX website for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion said XXXX bonus miles if {$1000.00} was spent in the first 90 days. In early XXXX, I checked my spending on my online account and saw that it was over {$1000.00}. It was pretty close to the 90-day cut off date, so I decided to double check if I was good to qualify for the promotion just in case. I contacted customer service thinking that I could trust the representatives. Besides it being more convenient than trying to read through all the fine print, I felt like it would be more reassuring to be able to check with an actual person who could give me guidance and more clarification in case I required any. I was a bit worried about the annual fee in particular, so I asked the rep specifically about whether the fee counted toward the total spending for promotion. I was told that ANY spending was counted, and that as long as my spending showed as over {$1000.00} on my account, then I was good. Reassured with this information, I believed that I'd already hit the {$1000.00} target and didn't go out of my way to make more purchases. Again, the main reason I contacted customer service was to confirm that I hit the target spending amount so that if I didn't, I would know I had to make a few purchases with the card before the XX/XX/XXXX cut-off date. However, according to the information I was given, I already reached the necessary {$1000.00} amount, so I thought I didn't have to worry about it anymore. But then I realized I never got my bonus miles, so I started contacting customer service around end of XXXX/XX/XX/XXXX. First I was told there was no promotion attached to my application, and I should talk to the airline. Airline kept sending me to the bank. This time I decided to contact the bank in text format. I was told that I didn't qualify for the promotion because the annual fee didn't count and with the annual fee deducted, my spending during the 90-day time frame fell below {$1000.00}. I messaged back explaining that I was told by the rep that any spending counted, and that I had even specifically asked about the annual fee, and was reassured that there wasn't any spending that would be excluded from the total. I then received a reply that basically put all the blame on me saying that I should have reviewed the fine print of the documents myself instead of believing the rep. I find this extremely unfair and unethical of Barclays/XXXX XXXX XXXX and XXXX XXXX. There is no disclaimer on their website warning customers that their reps give out false information. I feel like they took advantage of the fact that I trusted their customer service and are now trying to get out of honoring the promotion. What's ironic is that I even went out of my way to contact customer service and make sure that I was fulfilling the required terms, but my effort in exercising due diligence resulted in me being deceived. Given that their website doesn't warn customers about their customer service reps lying to customers, I'm not sure how I as a customer was supposed to know that I couldn't trust information from a rep and that whenever I get information from a customer rep, I need to do a separate investigation on my own to verify it. My main issue right now is that I was given false information that deceived me into not fulfilling the spending requirements that I had full intention of reaching. I had hoped this was a case of miscommunication caused by an honest mistake by a rep who probably wasn't familiar with the policies. But the subsequent response I've been getting from customer service has basically just been blaming me for trusting the rep 's information and zero acknowledgment that I was lied to. This attempt to cover up makes me wonder if there is internal direction from management instructing customer service to lie to customers and mislead them in a manner that would allow the companies to avoid honoring promotions. I find the airline and bank 's conduct absolutely abhorrent. The only reason I thought the {$89.00} annual fee was worth paying was because of the bonus mileage promotion. I feel like I've just been scammed - actually I was scammed. I am still just shocked by the fact that they are ok with their reps giving false information to customers and even have the gall to blame customers for being gullible enough to trust their reps. Since when did it become the customer 's responsibility to investigate whether customer service is being truthful or not? This is an impossible burden that is being placed on customers. In my experience, whenever I have questions or need clarification, I go to customer service because that's the most direct way, and sometimes the only way, to contact the company. But now, it's being expected for me to verify the information I receive from customer service on my own, so basically even information directly from the company can not be trusted. It seems like XXXX XXXX and Barclays are just trying to create a loophole that would allow them to use their reps to mislead and deceive customers by putting all the responsibility on customers to " verify '' things on their own. Perhaps if their website had a clear warning informing customers that their customer service gives false information, it might be reasonable to expect me to verify that information I received from the rep. But since there is no such disclaimer, I don't know how they can deny any accountability for lying to a customer and the subsequent consequences I suffered as a result of the deception. Right now I just feel so stupid for trusting their customer service reps. I sincerely hope that CFPB can help me. I've tried my best to resolve this on my own, but it seems that these large companies are intent on lying to customers and scamming them and are more than comfortable to ignore any protests or reproach from individual customers like myself. Any assistance is deeply appreciated.
08/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	FL 34209	Web	Older American
Re : Barclays XXXX XXXX, Acct # ending XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Payment made, check cashed, funds not credited to the above referenced account. To Whom It May Concern ; On XX/XX/XXXX, check # XXXX in the amount of {$14000.00}, was deposited and cashed by Barclays, into the XXXX XXXX clearing account for the above credit card account. This was a third party check, that was written from a title companys escrow account ( Performance Title and Escrow ). When this check was sent by the title company, it was also sent in with the appropriate remittance paperwork for payments made with a physical check. On XX/XX/XXXX, I reviewed my Barclays account and noticed that the funds from this check, were not yet credited to the account. I called customer service and inquired and was advised by the customer service representative, that they had not received any such payment, and that it might be in a lock box holding area, waiting to be distributed to the appropriate account. The customer service representative then advised that this check had cleared the Barclays checking account. When I requested an email address from the representative, to send the documentation, reflecting the check had been cashed, he said there was No need for that and that this is not uncommon for funds to not be credited to an account from a third party check, when a checked is deposited. I was very surprised that money was received, checks were cashed, and then not allocated to the appropriate account, and relayed as much to the representative. The gentleman gave me a Barclays case ID # XXXX and was advised that it could take up to 2 billing cycles to correct this issue, I advised that this was not acceptable. Barclays is in receipt of the payment, cashed the check, and is in retention of the funds. When I requested a supervisor, I was advised that there were no supervisors that could assist. On XX/XX/XXXX, the money still had not been allocated to my account. I again called customer service to follow up and received the same information, but I requested an email address to send the documentation, reflecting the cleared check, and what account it was deposited to. I was given a case number completely different than what I received the week before, along with an email address to which I could send the documentation. The representative could not find the case number that I received the week before. The representative, while sympathetic to my plight, said it can take up to two billing cycles for this issue to be corrected. This representative gave XXXX XXXX a new case number of XXXXXXXX XXXX and an email address ( XXXX ) to send the appropriate documentation to, which he immediately sent. This representative advised that it could take up to two billing cycles for this to be resolved. I advised again that this was not acceptable and is in violation of federal law. I also advised that my credit and credit score were being affected, as well as my debt-to-income ratio. On XX/XX/2022, I again called customer service, and received the same responses as above. When I relayed that if this was happening to myself, it is probably happening to many others, and we all know what that means, and this was a violation of the law, it was met with callousness, and I was told that I would receive the interest credited back to the account when the money was found and credited to the account. Once more, I advised of the inappropriate actions of Barclays, and the violations of specific laws of the CFPB and XXXX, and demanded that the money be credited to the account immediately. Again, I was told the same thing, that it may take up to 2 billing cycles for remedy. The representative also relayed that I did not have to make a payment. I advised him that I would make a payment, because I received a statement ( XX/XX/2022 statement date ) requiring myself to make a payment. When I received the XX/XX/XXXX statement, and I was still being charged interest. Additionally, there is a minimum payment due, even though, after the funds are allocated, Again, I made a payment, as listed on the monthly statement. I would now actually have a higher credit balance than the month before. I have maintained a perfect payment history with this account, and have continued to make payments on this account, even though funds have been received and not allocated properly such account, throughout this seemingly endless issue. XX/XX/2022- XXXX XXXX ( myself writing this ) called and spoke with XXXX representatives, and have gotten nowhere with this process, other than " Barclays is working on it ''. At the last transfer, I was transferred to " Customer Care '' representative, and was on hold for over an hour, with no resolve. The foregoing actions are against the law, and in violation of XXXX, FTC, and CFPB guidelines and procedures. The balance on my clients account is being inaccurately reported to the credit bureaus, and is negatively affecting my credit score, debt-to-income ratio and is affecting my ability to obtain credit. This is in direct violation of the law. Let me be clear, this is not a dispute. Retaining payments from a consumer, who has a credit account with Barclays, and not allocating the funds appropriately and timely, is in violation of federal law, and subsequent reporting inaccurate information to the credit bureaus, knowingly or not, is in direct violation of XXXX, and there can be severe consequences for doing so. There is no reason this issue can not be resolved amicably and immediately. I have advised Barclays numerous times to remedy this issue and credit this account appropriately. If you would like to discuss the matter, you can reach out by email ( XXXX or by my cell phone ( XXXX ). I expect that this issue will be rectified within the next 5 business days, which will obviate the need for any and all further action.
11/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75150	Web
Dear Sir or Madam, 1. BRCLYSBANKDE Account NumberXXXX* Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with BRCLYSBANKDE and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and XXXX years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MN 55433	Web
On XX/XX/XXXX, I pulled my credit report and noticed that there was some inaccurate information regarding my credit score. I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I contacted the credit card agency with a letter regarding my findings and still have not received a response and it has been more than 30 days since the letter has been sent. My complaints were as followed : To whom it may concern : Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. As I did not authorize consent for Barclays to report anything on my consumer report. Pursuant to federal law 15 U.S.C. 1692 a ( 3 ) When I pulled my consumer credit reports on XX/XX/XXXX I noticed that my credit reports have been ruined by this company on information that has not been validated. My consumer credit reports have been ruined due to the businesss abusive and deceptive practices. I noticed that there were inaccuracies on my consumer reports, such as the balance of {$2400.00} late payments, as well as a closed account by your company. This has destroyed the lively hood for my children and I to live sustainably, such as purchasing a home of our own, and being able to take care of their necessities. This is very disheartening for me and caused a lot of emotional distress for myself and my children. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof of claim that I am legally obligated to pay you and that late payments were made and updated pursuant to 15 U.S.C 1666B. I am demanding the removal of the negative items if the information is not validated. ( A copy of any sort is not evidence ) The original must be furnished with WET INK SIGNATURE, including 3-308, and 3-302 ) and proof that it is my signature. Pursuant to federal law 15 U.S.C. 1681 as well as the Fair Credit Billing Act 15 U.S.C 1666-1666j., federal law states that you can not report anything adversely on my consumer credit report until the investigation is complete. Please provide me with the below-mentioned items : * The amount you claim the XXXX owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount pursuant to Federal Law UCC 8-315 * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence of your license numbers and your registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, XXXX, or XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below-mentioned reasons under 15 U.S.C. 1692 ( a ) ( 1 ) as well as the following : Misuse of my copyrighted property Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Defamation of character Violation of the F.D.C.P.A No consent was given Invasion of privacy I would like to inform you further that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, I will need a minimum of thirty ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/XXXX, under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ). If your agency/company fails to respond to this debt validation request within a period of ten ( 10 ) days from the date of your receipt of my notice and affidavit, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once, or I will take legal action. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer-generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, _________________________________ XXXX : XXXX Without Prejudice 1-308
02/01/2018	Yes	Mortgage Other type of mortgage	Closing on a mortgage	IA 503XX	Web
We are platinum members with XXXX XXXX with current annual points of XXXX Prior to XX/XX/XXXX we were XXXX Hawaii Collection point members and in mid- XX/XX/XXXX we purchased XXXX U.S. points. This is where our issues began with XXXX We made reservations and stayed at the XXXX XXXX XXXX XXXX in XXXX Missouri, there we met with Sales Rep : XXXX XXXX for an owners update. We had no intent to purchase more points as XXXX explained it was not a sales meeting and we did the owners update meeting to collect a XXXX gift card and move on with our day. It was during the meeting that XXXX explained how he was not a sales rep and actually a vacation counselor with XXXX and was there for us to help with our XXXX platinum membership. He went on explaining how the # 1 complaint from all XXXX owners is maintenance fees which we agreed was our biggest complaint with XXXX. This is the point in where he stated he could show us how to pay our maintenance fees by points that we would allow him to rent out. This is the breakdown of XXXX conversation to us : we would buy XXXX points which he would then take and rent out, he would then send us a check which we could use to pay our maintenance fees. He then showed us pictures on his cell phone of multiple checks that had been sent to multiple XXXX members that he was doing this for. He pulled out a stack of documents showing multiple reservations he was making and the amounts that the checks would be sent to those XXXX owners. We were very apprehensive as this sounded too good to be true and he then showed us texts back and forth of XXXX Owners that were thanking him for the recent check they had received. He stated that if we were paying our maintenance fee or our XXXX Loan that it would not count as profit. After being in his office over 4 hours and with the multiple exhibits he had showed us we agreed to the XXXX points. We went over the numbers and paid a {$14000.00} down payment and the remaining point balance went to a XXXX Loan ( $ 58,000+ ). At this point XXXX then spent time on how we would be brought to another room with cameras and how we needed to answer certain questions. He coached us that we need to answer these questions without hesitation or delay so that it would not cause questions from the XXXX XXXX employee. He then had us look into a turned off camera in the room and had us answer the questions as he continued to coach us as to our answers. It was then that my wife asked what if you dont follow through with this and its all a sales tactic lie? XXXX said, that if none of what he said came true for us ; to come to the resort and scream and shout until he was fired, to call and email corporate non-stop until everything was cancelled and we got our {$14000.00} back and any payments we made. He then talked about how his wife is XXXX XXXX and the points purchase we make will help him with medical bills that were adding up and he then showed us a picture of his wife. We asked for copies of the notes XXXX had done and also copies of the multiple documents he showed us with the reservations he was making for his other XXXX clients. He explained that he could not give us any notes, XXXX documents or copies of the reservations because it was against corporate policy. He said the only way he can make this happen for us is to sign the docs and act like we were going to use these new XXXX points for ourselves. Satisfied with his answer we agreed and when XXXX was ready, we were moved to the room with a working camera and then signed papers and answered the questions, those same questions XXXX told us to expect by the XXXX XXXX employee. We answered the questions as coached by XXXX and left with our additional XXXX points. As we walked out XXXX grabbed us and quietly told us that while we were signing documents he had already set up 2 vacations with some of our newly purchased points for {$5000.00} and {$6000.00} so our XX/XX/XXXX maintenance fee was almost already covered. He said the checks would come one at a time ; one at the end of XX/XX/XXXX and the other in XX/XX/XXXX. XX/XX/XXXX came and went and no check came via mail ; we called XXXX and it took him some time to get back to us, he explained the checks should be coming but would now be mid- XX/XX/XXXX and mid-XX/XX/XXXX instead. XXXX became very hard to get a hold of, he no longer returned calls or texts and if he did he always called from his personal cell phone and not a XXXX phone line. His texts were very short call you at XXXX. We then sent multiple emails to XXXX ( all to his personal email because he didnt want anything sent to his XXXX email ) personal email. Weeks without contact from XXXX an email was sent to multiple XXXX staff in XXXX I finally had a call from XXXX ( once again personal cell phone ) in which he assured us that the checks would be in our hand by XX/XX/XXXX and if they were not that he would have our XXXX points transaction canceled on XX/XX/XXXXand all money we spent returned to us. He was so adamant that those checks were coming that he offered to pay our monthly loan payments the next 2 months to XXXX. The same day I received a call from the XXXX XXXX staff and they asked if XXXX had contacted me and I said yes and the phone call was over after a minute. Once again we allowed him the time for the checks to arrive. The Promises XXXX made never happened and we sent our official complaint to XXXX XXXX with the request to have the contract cancelled and money refunded. XXXX offered a conference call with their hospitality team, XXXX Sales VP and XXXX On XX/XX/XXXX we had the conf call and we were then informed that XXXX had resigned from XXXX XX/XX/XXXX XXXX denied our request as they never interviewed XXXX about our complaint.
11/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75232	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with TXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
07/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33071	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$5900.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
07/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32828	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BRCLYSBANKDE bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
11/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80126	Web
Barclaycard established a case # XXXX {$1600.00} XXXX XXXX ( scammer company ) Billed on XXXX billed to my card and I disputed it since the work was not done. Lots of documentation was faxed multiple times and confirmed that Barclaycard received it. Barclaycard hung up on me many times, and lied about attempting to contact me. Barclaycard sent a letter stating that they tried to call me ( which was a documented lie based on digital phone records of all incoming calls ). Barclaycard stated they were closing the dispute. I immediately sent them more faxes with detailed information and proof, plus requested that they send this to arbitration if they were going to refuse to read anything. Barclaycard refused to send it to arbitration, and continued to lie to me on every conversation we had. Barclaycard stated they would reopen the dispute, but also lied about that. They requested I send them the request to reopen the dispute, which I faxed to them at their requested fax number and they again did nothing. Below is just some of the documentation with employees and supervisors that lied and violated the law. XX/XX/XXXX BarclayCard Phone # XXXX Acct ending in XXXX Talked with XXXX ID # XXXX in process of transferring me to manager hung up on and Barclay did not call back. Talked with XXXX ID # XXXX explained everything transferred to manager ( XXXX ) Talked with XXXX ( Manager ) ID # LASLCA - explained everything again on hold for response ( Barclay hung up on the customer ) Talked with XXXX ( manager ) ID # XXXX she stated that she opened the Plumbline services dispute again ( this turned out to be a lie ) XXXX tried to transfer me to someone who was supposed to issue the check for {$1900.00} to us, but was told they could not send out checks and could only transfer the money to another Barclay credit card. This obviously could not work since Barclay card previously stated they had no US representatives and refused to transfer me to anyone in the US, so I closed the account and shredded the cards in XX/XX/XXXX. XXXX wrote everything up and sent it to a manager that will call me back within 5 days and issue a check. ( nobody ever attempted to call me ) Case # XXXX {$200.00} Billed on XX/XX/XXXX disputed and not resolved refunded later resolved by merchant Case # XXXX {$1600.00} XXXX XXXX ( scammer company ) Billed on XXXX disputed and not resolved requested arbitration and was ignored Barclay received refunds of other returned products from merchants and has not returned that money to us! Barclay kept {$120.00} on XX/XX/XXXX which was a merchant refund from XXXX Barclay kept {$1700.00} on XX/XX/XXXX which was a merchant refund from XXXX XXXX Barclay owes us {$1900.00} XX/XX/XXXX I was lied to again by management at Barclay Card. No manager called back from the XX/XX/XXXX to XX/XX/XXXX as promised by XXXX ( manager ) ID # XXXX Called in again XX/XX/XXXX Talked with XXXX XXXX XXXX very unprofessional screaming in background she hung up. XXXX in XXXX had no ID number and transferred to back office team Gem ID # XXXX in XXXX from front line care department XXXX stated that she reversed all of the interest charges that Barclaycard put onto the account when refusing to honor the disputed charge of {$1600.00} from XXXX XXXX. This created a credit on the closed account according to Gem. Gem also promised she would talk with a manager to schedule a call on the refund check of {$1900.00} case # XXXX New statement dated XX/XX/XXXX from Barclaycard shows a {$1700.00} charge on XX/XX/XXXX that was not authorized Barclaycard illegally charged this as they had credited it in preparation of sending a check to me for that amount that exotica travel had refunded to me, but obviously stopped that process and recharged my credit card. This was my money and Barclaycard committed fraud by keeping it. XXXX # XXXX case XXXX Gave email and escalation Ph # Plus Ext and name of Mgr. XXXX requested I send the dispute documentation that was sent to Barclaycard multiple times via fax and verified Barclaycard received it, to the email address below. XXXX Escalations Ph # XXXX Ext XXXX XXXX XXXX ( Mgr. ) XXXX ID # COELES from Fraud investigation Ph XXXX Looking at charges and the refund that is owed to me. XXXX hung up on me during supposedly looking into the refund and did not call back as promised, if his phone line disconnected. This is a pattern that Barclaycard repeats over and over and can not be accidental since they never call back after any disconnect, when they promise that they will call back. I was forced to call them back. Called Escalations and could not enter the extension that I was given. I was put on hold for 15 minutes and then hung up on again. I called back and was put on hold for another 35 minutes. XXXX from Escallations in XXXX Nevada refused to give me an employee ID #. She stated that there were many accounts under my name. If this is true, this would have to be more fraud on behalf of Barclaycard and the employees. XXXX looked at the XXXX merchant credits equaling {$1900.00} and verified if the XXXX dispute was open as stated by XXXX ( manager ) ID # XXXX, on XX/XX/XXXX. It was not!! From the dispute department, ( XXXX XXXX stated I need to send in the request to reopen the dispute to fax # XXXX, include the original dispute case ID, and put the attention merchant disputes, plus include current contact information Current documented case # XXXX I sent the fax with cover letter and documentation to Barclaycard again on XX/XX/XXXX Confirmed Barclaycard received the requested fax TWICE sent on XX/XX/XXXX XX/XX/XXXX Confirmed Barclaycard lied again about opening the dispute back up. Barclaycard has my money and intends on illegally keeping {$1900.00}
10/25/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92019	Web
XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Married on XXXX/XXXX/XXXX California Residents XXXX XXXX XXXX, XXXX This sent to XXXX XXXX. I have had no response. XXXX XXXX XXXX XXXX We want our two Barclay Cards and loan cancelled and down payment refunded. We have been lied to since we first purchased from XXXX agent XXXX XXXX at XXXX XXXX in XXXX XXXX, having learned Diamond points are not an investment. XXXX XXXX told us points were equity and would help us when we purchased a house. XXXX XXXX at XXXX XXXX CA told us the points we purchased from XXXX XXXX were worthless and we had to buy additional points. This was not true either. XXXX XXXX at XXXX XXXX was the most deceitful as described below. Please respond by XXXX XXXX before we file complaints with the Nevada and California Real Estate division against the three agents, the Consumer Financial Protection Bureau, Attorneys General and the Better Business Bureau. XXXX XXXX XXXX XXXX XXXX to get married XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX for the Sales presentation/ not married yet and just finished bankruptcy a couple months prior Presenter- XXXXXXXX XXXX- XXXX Contract # XXXX XXXX points Purchase price {$16000.00}. Amount Financed {$14000.00} at 17.99 % We opened a Barclay credit card in only my husbands name We were told that by buying XXXX points we were on the lower part of the ownership but still owners and would be able to enjoy all the benefits. While chatting with the presenter we informed him we could do the lesser of the options because we were trying to save up to buy a house. He then told us this was perfect because we now own property that builds equity and will help us later. The tablet that contained the contract terms was broken. We had no understanding of the terms until after the rescission period. Orientation XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Presenter- XXXX XXXX XXXX XXXX Contract # XXXX Purchase price {$6900.00}. Financed {$6100.00}. {$900.00} on the Barclay in my husband 's name to pay the down payment XXXX points XXXX XXXX said we were not full members and we should have received a letter to go to full membership. We never received a letter. He then gave us an option of a deal that would only be good right then but we would have to buy XXXX more points to become full members. He made this seem like a huge deal because upper management would not want to give us this deal but they were working with us so that we would be happy. He informed us that what we had was worth nothing now and we would have to upgrade to be able to use any benefits. Went to XXXX XXXX XXXX for first year anniversary XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Presenter XXXX XXXX ( Unknown ID # ) Contract # XXXX Purchase price {$22000.00} Financed {$38000.00} {$18000.00} plus {$19000.00} wrapped loans XXXX points My husband called Diamond to ask if there was anything special happening this week to surprise me on our anniversary, XXXX presented him with a {$99.00} deal that offered Dinner, a concert, and breakfast. We went to a breakfast and unknown to us this was once again another sales pitch to upgrade once again. XXXX XXXX informed us once again we still were not full members and we were paying on two different contracts so we were paying double for maintenance fees and taxes and monthly mortgage fees and informed us they could get these contracts wrapped for us but we needed to upgrade to be full members. We have been told at all of the upgrades that what we have is not worth anything because we still didnt have enough points. We were informed by XXXX that she would be our personal advisor because everyone has an advisor so we are orphans. She informed us not to book anything or make any decisions without contacting her first. She informed us not to go to another presentation until we are ready to upgrade. She has never returned my calls. XXXX said we are obligated to upgrade at all these presentations and if we do not our prices would go up and the deal we had before would not be valid. The prices were outrageous! She said if we didnt sign this contract then we pretty much have something that is worthless because we werent full members This was supposed to be our one year anniversary vacation, they ruined that by putting this much more financial stress on us. They make it sound like we dont have a choice but to sign the contract. Our first year of marriage has been very strained because of this. We opened a second Barclay card because they couldnt extend the credit on the one we already had. Now have to pay double APR on two cards. We tried to pay one of the cards off with another credit card that had less APR but they wouldnt allow us, they said only cash. We were informed by XXXX that we could pay our maintenance fees with our points from the Barclay card. She told us to pay our monthly mortgage payments through our Barclay to earn more points but when trying to do that diamond charged us 2 % more raising our monthly payment by {$50.00} more. XXXX My husband informed me a man from XXXX called and tried to sell him more points. He said we were only XXXX points from Silver and doesnt understand why we were not sold those points last time. ( I thought we were supposedly already silver members ) My husband states he was being very pushy. He said if we dont buy now the points would go up to {$8.00} and we can buy them for {$4.00} now. We need to stop paying for this because we can barely buy groceries each week. We 've only been married a year and this has been the most stressful year of our life because of XXXX XXXX. This was supposed to be the best year of our life.
01/26/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 953XX	Web
My wife and I purchased the " Sampler '' package in XXXX XXXX on XX/XX/XXXX for {$2900.00}. We opened a XXXX XXXX Barclaycard Mastercard to pay the amount off over time. Our first trip utilizing these points was to the XXXX XXXX, XXXX XXXX in XX/XX/XXXX. Our second trip utilizing these Sampler package points was to XXXX, Hawaii where we purchased XXXX points on XX/XX/XXXX for {$13000.00}. We again used the Barclaycard when the sales team informed us that we could again use 6 months interest free financing. XXXX sales agent XXXX XXXX said we would be able to book one to three weeks anywhere if we purchased XXXX points. In our case, this was not just about finding desirable places to vacation. This is because of our son 's XXXX XXXX. He is on a XXXX XXXX so can not fly. We need places closer to home that have the space and amenities needed for all of XXXX equipment and within driving distance to medical facilities, or back home, in case of an emergency. After we had access to the booking site we learned XXXX points will not get you a stay anywhere as we could not find resorts near medical facilities close enough to our home. At an update at XXXX XXXX in XXXX XXXX XX/XX/XXXX, after we complained about availability, the XXXX sales agent XXXX XXXX said, Hawaii lied to you. You cant go anywhere for XXXX points. Foolishly, we believed the XXXX agents when they said they could take care of us. We purchased XXXX additional points for {$18000.00}. This gave us a total of XXXX annual US Collection points after moving XXXX points from the HI Collection. Again, we were assured that we could use our Barclaycard, which now has a balance of {$10000.00} ( Barclay said this is the amount left from the XX/XX/XXXX purchase ). {$7400.00} additional was placed on our XXXX XXXX XXXX and {$610.00} on our debit card. Our XXXX and debit cards are paid off. We were told that the only way out of the HI Collection was to upgrade to the US Collection. They said the HI Collection was going to have a {$1000.00} plus assessment for damage to shores and that in Hawaii maintenance fees Increase 10 - 14 % every year, even though in Hawaii they told us Hawaii maintenance fees increase on average only 6 %. XXXX said that she was legally obligated to tell us that the maintenance fees increase only 2 % because the US Collection is a part of a trust, so the more people that join the trust, the lower those fees would be. However, she specifically said, " I have the same plan, and my fees went down last year. '' She reiterated that the only way to get out of the HI Collection was to upgrade to the US Collection. XXXX listed several places we could stay that were close to home due to XXXX needs, but again, when I logged on to the booking site after we purchased, we could not book at those resorts because it is a " different inventory '', as the Customer Service representative informed me of for the first time. However, I could not rescind the sale because I did not get access to the booking site until after the escrow period ended, which was about 30 days. I was not able to see past XX/XX/XXXX until XX/XX/XXXX, well after the rescind period. After calling customer service numerous times I finally reached a representative that said, Im with the Platinum desk so I can pull strings. She found the XXXX XXXX location which was a very desirable option, one we were shown in the presentation, but it required XXXX points. This would have taken 3 years to acquire enough points. XXXX also said we could get an extra XXXX ghost points that would upgrade us to Silver status by saying we owned an XXXX week. She instructed us to just nod to the Q & A person when they ask about XXXX and we would be able to get the extra XXXX points, but not to say XXXX told us because, You might get me fired if they find out, but that way youll get another XXXX points. XXXX said we could purchase an XXXX week at XXXX XXXX for {$500.00} - {$600.00} and then trade it in to XXXX for XXXX points. She said this was one of the tricks that sales agents could give to customers. XXXX said with Silver benefits we could have food stocked and luggage forwarded. This was a tremendous benefit because of XXXX needs. However, when I read about these benefits after the escrow period, the luggage benefit cost additional funds and the food service was not available at the Silver level. We asked about what would happen if we could no longer use the points and were told XXXX will work something out to help you. We were told XXXX has a website where you can sell points. We were very concerned about being locked into a contract with no way out, and were assured that we could sell our timeshare if it did not work for us. Again, due to the limited access to our account because of being in escrow, I could not see past XX/XX/XXXX, so could not have known about limited availability or inventory until after my account was reestablished. I would have rescinded immediately if I had been able to see that we could not use our points as promised. A letter was emailed to XXXX XXXX Customer Advocacy on XX/XX/XXXX, but have not yet been contacted by the company. I last contacted Barclaycard on XX/XX/XXXX and spoke XXXX in the Office of the President, but she said that there was not much she could do since I signed contracts with XXXX XXXX. However, she did say she was looking into the matter. I filed a dispute with XXXX on XX/XX/XXXX, and they said they would look into it. I called to file a dispute with XXXX XXXX on XX/XX/XXXX, but could not make an official dispute until XX/XX/XXXX after waiting to hear back from XXXX XXXX, which I have not as of XX/XX/XXXX.
06/04/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MA 02703	Web
I put a credit card dispute with my XXXX XXXX Barklays credit card for a XXXX XXXX. I purchased a XXXX XXXX and when I got to the hotel it was not the hotel that I ordered online.Nothing about the images/copy on XXXX came close to what we ended up with at the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. Firstly, the resort on XXXX was not even close to the XXXX XXXX XXXX XXXX XXXX XXXX ( See attached Images ). We later found out that the resort images on XXXX was for their latest offering in another country, and the resort we stayed at was outdated and literally falling apart. I am not a legal expert but I believe that one could argue that my family was the victim of deceptive and illegal Bate-and-Switch sales tactics. Our frustration was compounded by the fact that we were stuck third-world country with our XXXX year old daughter and had no other choice but to stay at the imposter resort. When we got to our room, not only was it not the modern beautiful room we expected from the photos on XXXX, it was outdated, beat-up, and actually dirty. The toilet-paper dispenser-cover was hanging on a single general purpose screw. The resort brochure was covered in an unidentified syrup and had human hair stuck to it. The curtains and walls were stained and the sliding glass door was covered in smudges. The bathroom had a water-stained drop ceiling. Needless to say, the room was closer to something I would expect from a seedy motel, not the luxury resort had been sold on XXXX XXXX. When brought to managements attention at the hotel they stated it was XXXX XXXX problem they posted the wrong pictures and deal with them. Then the manager said we will upgrade your room if you sign a paper stating they gave us a {$890.00} upgrade and this will be full compensation for the inconvenience also we are not allowed to post any negative reviews. Well it was no upgrade all they were giving us was a couch and we didnt need more room. They did have nicer rooms in the other part of the resort but unless we were willing to give them money it was to bad. I then spoke to XXXX XXXX XXXX and they advised not taking the upgrade and dont sign the paper. They would call the resort. The resort stated they were going to give us a different room at a discounted price if we paid {$20.00} a day out of pocket. Again the room was definitely not an upgrade smelt like mold it was terrible. XXXX XXXX then stated wait till tomorrow because on Monday they were going to call a certain dept and not to sign anything. Well they had no luck and asked to wait till the next day. Now it is our third day and the hotel and I spent hours ruining my vacation, XXXX XXXX calls my husband and XXXX tells him they will pay the difference for the upgrade for mine and my mother in laws rooms since we both Purchased thru the XXXX XXXX XXXX by the way that was the same offer as the day prior but XXXX stated not to take it they would talk to corporate. I guess XXXX kids was sick the next day so she stated take the offer. When we went to the front desk after hours on the phone they called XXXX XXXX a supervisor XXXX and she said we dont pay for differences. We insisted she check the recordings we felt like criminals and we were told it takes 4 days. At this point we spent three days and countless hours trying to resolve the issue when all they had to do is give us a nicer room not bigger, and nicer rooms were available they just were not accommodating. At this point we stated we would stay where we were and take it up with the XXXX XXXX credit card when we got back. The hotel stated that was a great idea, dispute it with them. I never experienced such poor customer service on both sides. From the of deceptive and illegal Bate-and-Switch sales tactics. To the hotel the room that was broken down, we had a safe that would get stuck everyday, we were locked out of our room 3 times at night because the battery on they key pad was dying. It would take 30 minutes each time to get back in the room because how far the main lobby was and you would have to take a golf cart. Also, the air conditioner broke at one point. We lost power two nights and could not finish getting ready to go out to eat. It was a vacation nightmare. I was in XXXX and tried to resolve with XXXX XXXX and after multiple calls and trying to get it resolved they would not do anything. I have proof pictures of their website and many endless calls they did nothing so, I disputed with the credit card I started the dispute XXXX. The dispute started on XX/XX/XXXX the dispute process is still going on. They declined originally because XXXX XXXX responded that they are not responsible for misrepresentations on their websites and my ip address acknowledged when I purchase also my vacation included airfare. I disputed this on XX/XX/XXXX showing that their website states substitutes they are supposed to provide substitution if this happens along with proof of cell phone bill showing the 20 minute call with them when I purchased this thru the phone and not online.I also used points for airfare and sent the proof. Well they declined it again on XX/XX/XXXX and never looked at information I sent. I called back the representative does believe that I should get back the money and escalated the case but it has been almost 6 weeks since it has been escalated and i have called multiple times I wrote down I called on XX/XX/XXXX and again on XX/XX/XXXX, there were more calls I just didn't write them down. They also took away the provisional credit. Credit card disputes are suppose to take 60 days this has been 5 months. The original purchase was on XX/XX/XXXX for $ XXXX need help.
02/13/2019	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	XXXXX	Web
Dear Sir / Madam Im writing to officially complain about an issue that has been ongoing since XX/XX/XXXX. Please find below a breakdown of events that have occurred over the last year. I have made multiple attempts to try and resolve the issue but have continued to receive incomplete, inaccurate and inconsistent responses from your team. Please document my strong compliant against Barclaycards unfair treatment towards me a longstanding customer that has paid all my bills on time and maintained an excellent credit score. Time line of events : XX/XX/XXXX I made an on-time payment made towards the balance on my account using the online portal. Confirmation of payment receipt was received by email and the account was subsequently closed. I assumed that no further action was needed as all payment were made in full and stopped monitoring the account. Once the account was closed, I had no access to my card statements. Q1 XX/XX/XXXX Noted that emails requesting payment of overdue accounts were being sent to junk email folder. Reviewed emails. Called Barclaycard and attempted to make the payment again. The charges didnt go through. Requested clarification on mechanism to make payment from an international bank account. No direction was provided. Q1 XX/XX/XXXX Called Credit team and requested that all fees and charges be waived as they were unfairly applied. Payment had been processed on time in XX/XX/XXXX and subsequently rejected due to Barclaycards process not supporting an international payment. Barclaycard employee agreed to waive all charges and requested that payment be made by demand draft to cover card purchase charges only. They also confirmed that all fees and charges would be waived and no additional fees or charges would be incurred. Based on information provided by Barclaycard Credit team over the phone I had a demand draft drawn up for {$220.00}. The draft was then insured for the full amount and mailed with international tracking to Barclaycards XXXX XXXX . This was not an easy process and I had to work with a number of providers and pay a substantial additional amount to get the draft drawn up and sent over safely. Please note : Following multiple requests for statements to be sent to me by email, I have finally been given access to some of my statements on XX/XX/XXXX. On review of my statement covering the period XX/XX/XXXX to XX/XX/XXXX, I have now noted that the amount owed once all fees and charges were waived, i.e. the amount that was eligible for interest charge calculations and was also the full amount of card purchases outstanding on the card, was {$220.00}. The demand draft I sent through in Q1 of XX/XX/XXXX has covered this amount in full. Q2 XX/XX/XXXX I was notified by Barclaycard of receipt of this payment by email. I assumed this was the end of the issue. Q3, Q4 XX/XX/XXXX I received additional emails saying my account was overdue again. I made two separate phone calls to Barclaycard to address the issue. After multiple requests to lodge an official complaint, which were ignored, I finally managed to speak with XXXX ( Badge XXXX ) on the credit team and was assured by him that the issue would be resolved and no further action was required. This was after a 54 minute call running through the history of the case ; something I had done multiple times due to the poor conversation logs maintained by Barclaycard. He confirmed that balances would be XXXX out and no further action was required. Resolution of the issue would take 7-10 working days. Again, I assumed this would be the end of the matter. Q1 XX/XX/XXXX On receipt of emails saying my account was overdue and urgent action was required, I called Barclaycard again. I spoke to two individuals and received different numbers for the remaining balance once all fees and charges were waived. None of the numbers provided for the outstanding balance amount ( including an amount of {$29.00} ) appear to make sense based on review of the statements provided. Per my review of statements shared, the card purchase amount that I owed was paid in full by way of demand draft in Q1 XX/XX/XXXX. I have now been asked to send a second demand draft to pay the balance of {$29.00} because the original amount that was provided by the Barclaycard employee I spoke with in Q1 of XX/XX/XXXX was incorrect. I am disputing that the amount originally provided was incorrect following my own review of the statements shared. However, if the amount originally provided was in-fact incorrect, I feel that this is an error on Barclaycards part and not my fault. The company continues to FAIL to take responsibility for their : 1 ) poor handling of the issue, 2 ) lack of information on the mechanism I could use to pay my bill, 3 ) inconsistent and inaccurate information sharing over the phone ( which is all I could rely on as I no longer had access to my statements ), 4 ) failure to update my contact information in spite of me sharing my new details multiple times, and 5 ) constant steam of aggressive communication in spite of me doing my best to resolve the situation. The arduous process of trying to resolve the issue has put a severe strain on my mental health, my wellbeing and has also had an adverse impact on my credit. I would like this issue resolved in a manner that is fair and expedient. I have asked that Barclaycard XXXX the balances, as agreed on my call with them in Q1, Q3 and Q4 XX/XX/XXXX and restore my credit. Requesting your urgent action. I am happy to share any emails referenced in my note. Please let me know if these will be helpful. I assume Barclaycard will also have records of these emails.
02/06/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 11710	Web	Older American
On XX/XX/XXXX, I entered into an agreement with XXXXXXXX to rebuild our business website. The first payment Invoice # XXXX was made in the amount of {$510.00} for the XXXX XXXX XXXX as advertised. They did not start to work on the site for several weeks. When the work proceeded there were troubling signs which I wasn't aware of at first. As changes were requested, for example, the spelling of our business name, was never corrected. Our business name is XXXX XXXX. This is outlined in the correspondence dated XX/XX/2019 in my rebuttal to Barclays Bank dispute. The evidence submitted by the above clearly shows this was never changed. Please refer to our chat conversation dated on XX/XX/2019 and actual pictures sent. They even went as far as to totally change our business brand and our logo without our consent. The above site designer sent fraudulent paperwork to the bank that the website was delivered. I provided the bank with proof that no website was delivered or existed by following this address XXXX XXXX XXXX. This is only a test site server. The actual web page was never delivered as they claimed. The bank failed to research my dispute nor did they address my concerns appropriately. The current website is XXXX. The information supplied by XXXX only shows delivery of logo 's. This isn't what the dispute is about. They can not document the fraudulent activity as this is electronic information and allows them the ability to avoid this evidence. The only intrinsic evidence is the logo 's that they clam was delivered. Unfortunately, I never approved this charge or authorized this purchase of logos or letterheads business cards. The billing receipts are inaccurate and distorted and fraudulent. They have not supplied evidence or addressed these receipts in an honest ethical business practice. The second charge occurred on XX/XX/2019 Invoice # XXXX in the amount of {$590.00} for Design-Registration. This is a fictitious charge applied. This payment as indicated by above was to secure my logo design from fraud by copyright protection. They said they had a legal department that would file the paperwork on my behalf. Barclay 's Bank failed to exam the authenticity of this payment with respect of copyright of my logo design. They ( XXXX ) failed to provide evidence that there was information sent to the copyright office or a serial number filing nor did they provide paperwork to substantiate this charge. Barclay 's Bank never researched this charge or observed that there was no supporting documentation as disputed in this matter. The final charge on XX/XX/2019 in the amount of {$450.00} Invoice # XXXX for Website-Hosting for ( five years ). There is no hosting as there is no website or website administrative rights given by the above fraudulent builder. The site is still in their control on the test server. There is no supplied documentation to prove otherwise. This is another bogus charge which Barclay 's Bank failed to investigate on my behalf. It became evident that during one of my online chats with the above, I asked for a physical address on their website company. After several minutes, the chat was turned off, and it was at this point the realization hit this is a fraudulent operation which bilked over {$1500.00} in credit card charges to my account. I subsequently suspended any further communication. I didn't want to be further harmed financially by this scheme. The paperwork sent to the bank by the above shows a third party called XXXX which I've learned is an online payment processing company. It is evident that these fraudulent individuals are biking the system by hiding behind this company located in XXXX XXXX California. They are manipulating their format by processing payments through their portal. As of this time, XXXX is looking into this matter as this could cause some major consequences for them on a federal level as I suspect. I recently learned the above web designer is actually operating approximately 17 different internet sites and potentially more. They are as follows : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX There are offices located in XXXX XXXX, XXXX XXXX and Delaware, New York as I've researched. They actually have an office in your area. The name of the firm is XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX, Delaware, XXXX. All of the above websites are mirrored images in how they operate. The language is similar along with layouts and advertising pop ups which appear when visiting these sites. If you check the XXXX XXXX XXXX on any of these sites listed you will find poor reviews and the same bilking techniques as was applied to my credit card charges while reading through the complaints. There are two apparent issues here from my experience. Barclay 's Bank did not research my complaint to the fullest. They neglected to protect me as the consumer. They took it with face value agreeing with these fraudulent individuals. I supplied for them accurate information pertaining to my dispute. Barclay 's Bank should be chided for this poor handling of my case by your office. These charges should reversed immediately on my credit card. It also appears that this above matter may require law enforcement due to the nature of the many sites and bilking of money by of unsuspecting individuals and the many complaints found on different sites. I would appreciate your strictest of confidence with this information and appreciate any help your office may provide. Thank you for your attention regarding this matter.
09/03/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	TX 77584	Web
Firstly, let me start by saying that I have been a XXXX XXXX credit card holder for more than a decade. I also have excellent credit history and take my purchasing decisions very seriously. Now I do not want any relationship with XXXX XXXX. due to the inability of the XXXX XXXX XXXX to address repeated security breaches and fraudulent activities that plague my account. My credit score is seriously affected by this issue, and they are not helping. In the XXXX 2022 statement I found fraudulent charges on my XXXX XXXX XXXX credit card, which looked very strange with no description of what was bought. Some of those charges were in a vending machine in Maryland. I live in XXXX Texas. The amount of fraud charges was {$230.00} made from XXXX 2022. I reported them in XX/XX/2022. On XX/XX/2022 the card transitioned from XXXX to Barclays XXXX credit card. A new card was issued. The old XXXX XXXX card ( XXXX ) ended in XXXX. The new card that opened after the transition to Barclays in XX/XX/2022 ends in XXXX. In the XXXX 2022 statement I could still see wrong charges. I know it takes time to investigate but wanted to confirm that they are still under investigation since I didnt want this to affect my credit history. Its a good thing I called because the charges from XXXX 2022 were not tagged as fraudulent. After calling several times why this is happening I discovered that there was confusion because the fraud charges were made BEFORE the card transitioned from XXXX to Barclays. When I called XXXX to report them as fraud they said they can not see the card charges because they transferred all my history to Barclays. When I called Barclays they said they can not see the charges that occurred prior to the transition because they occurred in the XXXX card. I was subjected to more fraudulent activity because in the same XXXX 2022 statement, I found additional charges made. The additional charges were made after the card transitioned from XXXX to Barclays for {$230.00} done on XX/XX/2022. I called Barclays again, long wait for each call, and spoke with multiple departments. They said they tagged them as fraud, however they still couldnt help with the charges made BEFORE the card transitioned from XXXX to Barclays. At that point, I asked to close the card and never issue me a new one. I wanted to close my relationship with XXXX XXXX cards. I received a letter dated XX/XX/2022 from Barclays stating that my card ending in XXXX was closed due to fraudulent activity and I am not responsible for any activity pending the investigation. Around XX/XX/2022, I found someone in Barclays who could see the fraudulent charges that occurred BEFORE the card transitioned from XXXX to Barclays. She said she reported them to management and claims to have issued a fraud report. On XX/XX/2022 I received a call from Barclays stating that I have not made payments on a card with a new number ( ending in XXXX ). I asked what card XXXX? I am not aware of this card. That was a new card Barclays opened in my name. They are asking me to pay charges I had clearly reported as fraud on a card I never requested. When I recited the whole story again the lady didnt seem to know much about my history. I pleaded with her to look up my history. I asked her why Barclays opened a new card under my name when I exclusively asked them not to. I also asked her why she couldnt identify that I had 2 separate fraud reports submitted. When I insisted she help me understand these questions she placed me on a long hold then hung up on me. On XX/XX/2022 I received a call from Barclays stating that I have not made payments on my card. I was very confused since I had reported the charges as fraud. After checking they found the letter from Barclays XXXX XX/XX/2022, stating that the card ending in XXXX was closed due to fraudulent activity. They also said something disturbing, that they could not report as fraud the transactions that occurred BEFORE the card transitioned from XXXX to Barclays. I explained that I went through several calls with Barclays and XXXX, and that Barclays finally said they could see them and tag them as fraud. Now they are telling me they can not do that. Moreover, they advised me to call XXXX XXXX and XXXX. I explained thats what I did many times. XXXX XXXX said they can not do anything else about this and that I have to contact the credit card company. XXXX said they transferred all the records to Barclays and can not tag anything as fraud sine they cant see it. That day I called XXXX XXXX again at XXXX and the automated system said they no longer receive calls. The system said to call the credit card company or XXXX. I called the latter number and the system hung up on me. On XX/XX/2022 I also found out that my XXXX XXXX decreased by XXXX points due to non payment. Today is XX/XX/2022 and I still receive calls from Barclays XXXX asking me to pay, and they seem to be oblivious to what was going on, or they didn't care. Sometimes I pick up the phone but they just play music, as if they are playing with my nerves? I am stuck in this dilemma. Every conversation I have with Barclays gets me nowhere. There is no communication between the people at Barclays which is dangerous. Barclays is missing the point that my account was repeatedly hacked and there is clearly a security breach. There is a serious security leak going on and I am questioning the whole XXXX XXXX Barclays card companys legitimacy. I have lost sleep, work hours ( i.e. lost wages ), and am considering legal counsel. I am contacting the Consumer Financial Protection Bureau to help me resolve this issue.
02/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75002	Web
I called Barclays Bank regarding a GAP store card on XX/XX/XXXX. I had received a letter from Barclays stating that I could call to remove myself as an Authorized user that I was an account on that was closed. While on the phone with the initial Barclays rep, I made my intentions known and was told that I needed to be transferred to another department because of the account status. I was then transferred to a man and I immediately let my intentions be known again I am trying to remove myself as an authorized user he told me that since I was not the account owner, I needed to call him back with the account holder present and gave me a phone number so that he could assist me. He never said that he didnt have the ability to remove me as authorized user when those were clear stated intentions. I had also already given the last four of the social/DOB/phone numbers to the Barclays automated service and the initial rep. I called back the next day ( XX/XX/XXXX ) and spoke to another woman and again told her my intentions, I spoke to XXXX XXXX yesterday and he said I could call back with the account holder so I could remove myself as an authorized user the lady then proceeded to get everything from the account holder such as birthday, full address, and phone number. The lady then asked if it was okay to call me in 7 days and I asked what would you need to be calling me for and she said things regarding payment she then proceeded to go over account balance etc. etc. I asked her, I do not need the account balance, I am calling to remove myself as an authorized user which I clearly stated to XXXX XXXX the day before and to her as soon as I got on the phone. She then stated, after she had the account holder verify her info, that she couldnt remove me as an authorized user. I was then escalated to another woman for the same company who was apart of claims/complaints and she stated that XXXX XXXX nor the lady I spoke to previously said that they could remove me as an authorized user. I stated to her that those were my intentions immediately getting on the phone and that could have been said to me right away. I would not have had the account holder verify any information. The account holder is a senior citizen and can easily be taken advantage of. I feel as though I was mislead into believing they could remove me as an authorized user as on XX/XX/XXXX, I was led to believe I was still talking to a Barclays/GAP representative XXXX I was transferred internally to my knowledge. The lady I was escalated to on XX/XX/XXXX replayed the phone conversation at my request as I claimed that XXXX XXXX did not state who he was or who he worked for when I was transferred to him on XX/XX/XXXX, he did not state his name in the beginning nor did he say his company he was affiliated with nor did he say he was attempting to collect a debt. Somehow, in the phone conversation she replayed, he magically said all this at the beginning. It is simply untrue and when she replayed the call for me, the beginning part sounded muffled and then magically when I started speaking, it went to normal. I truly believe they played a recording of XXXX XXXX voice and then started playing our actual conversation. I remember feeling confused when I dialed the number XXXX XXXX gave me because of the intro for XXXX XXXX when I was expecting it to be Barclays. He absolutely did not state he was from that company when I spoke to him. I believe the deceptively incorporated that into the playback. The lady I was escalated too actually said that she would need to hang up with me to find the call and then call me back, which she did. Somehow when I asked her to play the recording from XX/XX/XXXX of her co-worker that I had just spoken to before I spoke to her, she was able to find it almost immediately while I was still on the phone but had to hang up and call me back to find the conversation I had with XXXX XXXX. I feel they had two opportunities to tell me I was not able to removed as an authorized user by them but failed to do so. I was only told this information after the account holder essentially verified the debt and even then after she finished answering the questions to verify, the lady immediately went into account balance completely ignoring my intentions for calling in the first place. I had to bring it up again myself and THEN she said that she could not remove me. I ended up calling back Barclays and asking to speak to a supervisor who eventually removed me as an authorized user but feel mislead by Barclays too as they did not state they were transferring me to an external collection agency during my initial call on XX/XX/XXXX. I was able to get recordings of phone conversations today of my interactions. I feel I was extremely mislead and straight up lied to by XXXX XXXX XXXX. They deceptively got me to verify a debt and now I know they will be hounding the phone number provided to them, they have my phone number as well as the lady I spoke with called it back to me. I have nothing to do with this account. I got a couple of operator IDs from Barclays and the supervisor, named XXXX went back and forth whether or not one of them was XXXX XXXX. The numbers she gave me were : XXXX ( or possibly XXXX ) & XXXX. I also filed a complaint with Barclays while on the phone with XXXX detailing my experience and she assigned me the ComplaintID of : XXXX. I will attach the letter from Barclays saying that I needed to call their customer service to remove myself as an XXXX. I also have phone conversations recorded that I can provide if necessary as I can not upload them here.
02/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	FL 33027	Web	Older American
The below letter to Barclays explains my situation. In addition to being scammed, I am now being asked by Barclays to reimburse them for funds that should never have been accepted by them if they conducted proper due diligence. It is scary to know that one only has to present any bank account number and routing number to a credit card company and they will proceed to take funds from that account without proper safety checks. Even more scary is the fact that one 's banking info is essentially public, as it appears on every check. XX/XX/2022 Barclays XXXX XXXX XXXX XXXX, DE XXXX Dear Sirs, Re : JETBLUE REWARDS XXXX XXXX # XXXX XXXX XXXX XXXX I refer to your letter dated XX/XX/2022, on the above subject, advising me that A recent payment on XXXX JetBlue XXXX XXXX account has been returned by your bank for Identity of Authorized User. As a result, we have removed this external bank account information from our system and the payment has been reversed. Needless to say, your decision is quite puzzling and seems to be high-handed under the circumstances. Consequently, allow me to add some context to this unsettling matter. On XXXX, 2022, I started working with XXXXl XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX, as a XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In order to purchase products, XXXX provided their banking info ( Checking Account ; Account # XXXX ; Routing # XXXX ; Account Nickname : XXXX XXXX XXXX ) ) with XXXX XXXX XXXX and instructed that I use this bank account to put funds into my JetBlue credit card. The following payments were made to the card : XXXX XXXX, 2022 : {$20000.00} XXXX XXXX, 2022 : XXXX TOTAL : {$40000.00} Barclays immediately confirmed that the funds were received and credited the card accordingly. No mention was made by Barclays at the time that the source of the funds was questionable. Using these funds, purchases were then made from XXXX XXXX and XXXX, and the goods were subsequently shipped out to XXXX XXXX as per XXXX instructions. XXXX unexpectedly ceased operations around XXXX XXXX, 2022. XXXX my surprise when, by your letter dated XXXX XXXX, 2022, almost XXXX ( XXXX ) months after the first transaction on XXXX XXXX, 2022, you are now advising that the payments of {$40000.00} made into the card account in early XXXX were now being reversed because my name was not listed as an authorized user on the XXXX XXXX account this was the reason given to me by your Customer Service when I called after receiving your letter. Why did you not alert me immediately of this fact on XXXX, 2022? If you did, then this situation would not have arisen. Your decision to hold me liable for repayment of the {$40000.00} is ludicrous, as Barclays failed in its responsibility to protect the cardholder by not performing due diligence on the source of funds in a timely manner. Barclays actions, or lack thereof, constitute a breach of fiduciary duty. Every check written has the accountholders bank account number and routing number printed on the check. Hence it is safe to say that this information is in the public domain. Knowing this fact, why would Barclays simply accept anyones account number and routing number alone as a payment source, without conducting proper due diligence to verify that the accountholder and cardholder are XXXX and the same, and is in fact making the payment? This due diligence should be immediate. Yet it took Barclays XXXX ( 2 ) MONTHS to determine that the cardholders name ( my name ) was not on the XXXX XXXX XXXX account being used! Please be aware that I have reported XXXX as purporting a scam, to the following agencies : Florida Attorney General Federal Trade Commission XXXX XXXX XXXX XXXX ( XXXX ) Notwithstanding XXXX purported scam, I hold Barclays to be complicit in this matter as they failed to adequately protect the cardholder from this scam. I trust that common sense will prevail in this matter, and you will see it prudent to remove the {$40000.00} from my account. PLEASE BE GUIDED ACCORDINGLY. Cc : XXXX XXXX Barclay 's latest response below : Response Customer care via XXXX XXXX pm Hi XXXX XXXX XXXX Thank you for contacting us about your JetBlue Rewards Card XXXX We understand your concern and apologize if your received anything less than exceptional service. We see that the payment on the account for XX/XX/2022 and XX/XX/2022 has been returned. We can not determine the nature of a payment information until it has cleared or not cleared an an account and that can take anywhere from XXXX days on larger payments. The XXXX XXXX where the deposit for Barclays payments was made are the ones who rejected and the payment due to the fact you are not a authorized user on the account. We do apologize for the inconvenience and hope we have clarified the situation. Barclays is required to report account history accurately. We update your credit report monthly, and it XXXX take 30 days for the credit bureaus to update their records. Accounts are not reported to the credit bureaus as past due until they are 60 days past the statement cycle date and greater than 30 days past the statement due date. At that time, accounts are reported as a XXXX delinquency. If you feel that any of the Barclays account information that is reporting on your credit bureau report is incorrect, please send a written dispute to the following address or submit a dispute directly with the XXXX XXXX XXXX : Barclays Dispute Address : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX, DE XXXX
05/11/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 11412	Web
AGREED PAYEES : BARCLAYS BANK XXXX ; XXXX XXXX XXXX PERPETRATED A SCAM TO DEFRAUD ME OF MONIES THAT WAS INTENTED TO BE DISPURSHED BETWEEN ( 7 ) CREDITORS UNDER A CONTRACTUAL DEBT CONSOLIDATION AGREEMENT. XXXX XXXX XXXX PROCESSED A DEBT CONSOLIDATION CONTRACT THAT WAS NOT VALIDATED BY THE CREDITORS. I, UNDER THE IMPRESSION PAYMENT WERE CREDITED LATER ESTABLISHED THAT XXXX XXXX XXXX IS UNDER INVESTIGATION AND PROMPTLY CEASED PAYMENT TO THE COMPANY. ON XX/XX/2020 BY CERTIFIED MAIL ( 7 ) CREDITORS WAS INFORMED OF THE POSITION AND REQUESTED THE OUTSTANDING BALANCES BE RE-NEGOIATED. I FURTHER REQUESTED THAT A NEW PAYMENT PLAN BE CONSIDERED BASED UPON RECALCULATION AND MINUS OF MONIES OF WHICH I AM PERSUING XXXX XXXX. FOR THE RETURN. ALL CREDITORS FAILED TO RESPOND TO MY PAYMENT OFFER AND INSTEAD CHOSE TOO REPORT THE ACCOUNT AS DEROGATORY IN A CHARGE OFF POSITION. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
04/05/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 073XX	Web
XX/XX/2020 Barclays Dispute Department XXXX XXXX XXXX XXXX DE XXXX Re : Responding with documentation to support dispute. Case ID CIS XXXX, Disputed transaction XX/XX/2020, XXXX $ ( Travel Agency/XXXX/XXXX ). I received a letter dt. XX/XX/2020 stating that Merchant has provided supporting documentation which I am disagreeing with. I am responding within 10 days as stated with my supporting documentation. Before we go there, XXXX was given more than 60 days to respond, whereas I as a consumer of Barclays, was given just 10 days to respond even when US is in National lockdown with all essential services closed. This needs investigation by US Banking regulations which I will report and pursue. Now, back to the documentation provided by XXXX. I am going to respond to each paragraph line by line from Page 2 onwards. Please reference to the page 2 of letter your bank sent. 1. XXXX argument that I accepted their terms and conditions is baseless. a. I accepted the terms and conditions while purchasing the ticket on the grounds that I will be provided a ticket for which I am paying. XXXX failed to provide such a ticket. I paid ( XXXX $ ) to XXXX XXXX to book me a non-stop flight. They booked the ticket with PNR # XXXX. ( XXXX XXXX XXXX ). This PNR ( XXXX ) when pulled in XXXX XXXX website displays a different itinerary. They sold a FAKE ticket. 2. Merchant Argument that there was a schedule change by Airline. a. Where is the documentary evidence that there was a schedule change? Did Merchant provide any evidence to support that claim? This was the assumption made by XXXX XXXX ( XXXX XXXX. XXXX XXXX Airline has confirmed that there was NO schedule change. AIRLINE departure information confirms there was NO Schedule change. 3. Schedule change by Airline is beyond their control, as specified by their user agreement and I accepted that agreement. a. No Documentary evidence was provided by XXXX which suggest that Schedule change resulted into a different itinerary. Airline has also refuted that claim. Can merchant provide the evidence which proves that I was originally booked to the correct non-stop flight and schedule change resulted into my itinerary changing into a stop-over flight? Please provide the evidence to prove schedule change. THERE CAN NOT BE ANY ASSUMPTIONS. NEED PROOF TO SUPPORT THIS CLAIM b. The copy of ticket as provided by XXXX states that I was booked on XXXX XXXX and as claimed there was a schedule change of that flight. This is incorrect. As a matter of fact, XXXX XXXX flight did depart on XX/XX/2020 and landed on XXXX on XX/XX/2020. Since I was never booked on this flight, I was not able to fly. c. This clearly shows that there was no schedule change and fXXXX XXXX never booked me into the correct flight. They took money for a nonstop flight but on backend booked me to a stop-over flight. 4. We are following up with Airline for refund, as soon as we get it will be processed. a. Merchant reached out to me to investigate this as well and I cooperated with them and provided a copy of ticket ( PNR XXXX ) which they gave me and the copy of same PNR ( XXXX ) when pulled in Airline Website. Both tickets have same PNR but different itinerary. XXXX XXXX has denied to issue refund and rightfully so. It is the fake merchant who should be held liable for selling fake tickets. b. Merchant is misrepresenting that they are following up with Airline. Airline on XX/XX/2020 has clearly denied that refund. ( Copy attached ) 5. XXXX XXXX as travel agency took the money to book a non-stop flight but because of their system glitch or whatever, booked me a stop over flight. There was no evidence provided to prove that there was a schedule change. Airline departure information has also confirmed that there was no schedule change. 6. I did agree for the charge and accepted terms and conditions agreement on the pre-text that merchant will book me the flight that they are displaying on the screen. I was not aware that they display a FAKE ticket and gives a FAKE itinerary. 7. The PNR # merchant gave me was XXXX XXXX XXXX. 8. When same PNR ( XXXX ) was pulled in XXXX XXXX website, it displays a different ticket. ( copy attached ). Please note the same PNR # ( XXXX ) but has a different route and itinerary. This has a stop over in XXXX. ( Copy attached ) 9. Merchant should be reported to the Consumer bureau since they are cheating consumers by selling fake tickets and dumping the responsibility on Airline on the basis that there was a schedule change. No evidence has been provided till date that proves a schedule change. XXXX XXXX flight did depart on XX/XX/2020, therefore there was no schedule change. Barclays supporting such businesses should be held liable as well. 10. Merchant provided a copy of ticket as displayed on their portal but never provided the copy of itinerary as shown in the Airlines website. I have attached a copy of that itinerary ( XXXX XXXX PNR XXXX ) for your reference. Please note the same PNR but different itinerary. I would therefore request to issue the permanent credit to my account and charge back the merchant along with reporting this fraudulent business to FTC and XXXX. The whole argument that I accepted the terms and conditions is baseless. I accepted the terms and conditions and the terms was that merchant will provide me the ticket that I am paying money for. At the same time, the schedule change argument is also baseless. No documentary evidence was provided to prove that claim. This was just an assumption made by the merchant. Thank you! XXXX XXXX XXXX
05/29/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NJ 088XX	Web
Hello, I've had the Barclays XXXX XXXX Mastercard for over a year. I decided to get the card because I'd been doing a great deal of travel and aside from its XXXX points benefits, one of the selling points of the card was travel insurance. I had a number of travel arrangements planned for XXXX when COVID hit. This resulted into three different charges I needed to dispute because the airlines would not give me a refund or credits towards future flights. When I contacted Barclays, customer service was nice over the phone and gave me the impression they were going to make things right, but they did not. Below is an excerpt from a letter/fax they required me to send to them outlining my issues with the three disputes, including dates and charge amounts. I've also attached a PDF of the letter, which includes screenshots and ample evidence backing up my claim. Weeks after receiving this letter, Barclays sent me three brief letters, one per dispute, simply stating " We are unable to override the merchant 's no refund cancellation policy that was agreed to when making the purchase. '' What I find to be repressible is every time I've called to follow up on their refusal to credit my Barclays account, the customer service representatives have stated untruthful information about my claim. For example, on my most recent call, Barclays told me XXXX had offered me credit for my flights, which was not the case. They told me there was nothing I could do. When I initially called Barclays about this dispute, I specifically asked the customer service representative if I should cancel my flights while the charge was being disputed, and the customer service rep told me to cancel it. Those flights ended up being cancelled by the airline a few weeks later, meaning had I not cancelled on my end, I would have received credit. How is Barclays, a multi-billion dollar company, not liable for this? How am I stuck with the nearly {$1000.00} in charges? I would have NEVER cancelled my flight had they not specifically advised me to. Aside from being completely unethical, how is this even legal? Like I said, below is a more detailed breakdown. Any help would be greatly appreciated. Supposedly one of their higher up dispute managers is going to be calling me, but it's been three days since I last spoke to them and I haven't heard a thing. This letter is in regards to three different chargeback disputes : XXXX XXXX XXXX I am writing to request to continue my case with all three of these. The reasoning for my disputes being initially declined was : We are unable to override the merchants no refund cancellation policy that was agreed to when making the purchase. Lets start with XXXX. My charge was processed on XX/XX/2020 for the amount of {$160.00} from gotogate_us_us XXXX. The charge was for a flight booked on the airline XXXX. The flight was scheduled for XX/XX/2020. On XX/XX/2020 I received an email from XXXX stating that XXXX filed for bankruptcy and that my flight would no longer be happening. In the email from XXXX they state this : Ive been booking my travel with my XXXX XXXX Mastercard arrangements under the impression I would receive protections in events like this. Since my flight never happened and the airline no longer exists, I am requesting this chargeback. If you go to XXXX official website, you can clearly see that they filed for Bankruptcy after I booked my flight and before my flight was scheduled to depart. Below you will find screenshots of emails confirming my initial flight information, XXXX response, and the home page of XXXX website, re-iterating everything Ive claimed in this letter. Now for XXXX and XXXX. These are two different charges from the same airline, XXXX XXXX. The first charge was processed on XX/XX/2020 for the amount of {$460.00} from XXXX. This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative. The second charge was processed on XX/XX/2020 for the amount of {$490.00} from XXXX. This flight was scheduled to take place on XX/XX/2020 from XXXX to XXXX. When COVID-19 caused the festival I was traveling to postpone, I contacted Norwegian immediately and they denied to give me credit for a future flight, I then contacted a Barclays representative on XX/XX/2020. The Barclays representative advised me to then cancel my flights with XXXX. I have learned in the time since canceling and being denied credit from Barclays, that both my flights were cancelled. Had I not cancelled the flights on my own, I likely would have received credit from the airline. I would have never cancelled, had I not been advised to by a Barclays representative. Below you will find screenshots proving that the flights were eventually cancelled, as well as my initial booking information. Please do what you can to rectify this situation. Thank you for your time. XXXX XXXX
11/25/2017	Yes	Mortgage Other type of mortgage	Struggling to pay mortgage	CA 92545	Web	Older American, Servicemember
I will also be filing complaints against the agents mentioned below with the Nevada Real Estate Division. They treated us so badly and threatened to have XXXX sales agent XXXX fired because it was not legal, per them, for him to hold a price. Their manager got on my phone, speaking to XXXX, chewing him out. I was so very upset that I started to cry. Confused and not knowing what to do. We signed the new contract so XXXX would not be fired. {$1500.00}, they opened a new XXXX XXXX credit card in my name because I did not have the money. Another {$3100.00} was charged to two different XXXX cards, plus the {$1500.00} down. On XX/XX/XXXX, we again went to XXXX XXXX XXXX XXXX. We spoke to XXXX to try and explain about XXXX XXXX. He introduced us to XXXX XXXX. XXXX explained to us about the trial Platinum. I hesitated about the purchase because the money was going. He said there was a company that we could refinance with that had a better rate than XXXX, so our payment would be less. That was not so. The company only goes for half the time and the payment would then be the same. It was too much. Also we were told we are real estate agents. You can write off the interest paid and closing costs on these contracts because it is like real estate. Proof because they have RE lic. Not so. Our accountant said we were not allowed to take any deductions. They said we had to buy that day so we could not talk to our accountant. Anytime we check in, they harass us to do another update. In XXXX XXXX while checking in, the woman wanted to follow me to the parking garage to get XXXX to change his mind even though I told them NO. She said she needed for us to participate so she would get credit. Also last XXXX we had to refinance our house to pay off the credit cards. They want us to do it again to stay in XXXX and become permanent platinum. It is my hope XXXX will help this family so obviously taken advantage of. XXXX XXXX We are seeking a partial loan cancellation and refund due to deception at the last upsell as we have purchased points previously that had been rolled into one loan. This last purchase has caused a XXXX XXXX. We have used all our savings. We have paid {$76000.00} and we still owe {$93000.00}. Please help us. I am XXXX and XXXX is XXXX. He was stricken with XXXX XXXX in XX/XX/XXXX. He was not thinking clearly for quite a while. XXXX XXXX advised us to talk to XXXX XXXX XXXX Department before calling an Elder Abuse lawyer or filing regulatory complaints. She said you have helped others in our situation because of a new program called XXXX. Current points XXXX Current Loan Balance : {$93000.00} Current Maintenance Fee : {$6900.00} Total Purchase price per contract XXXX XXXX XXXX. XXXX pts. Int. 13.65 % From XXXX XXXX XXXX ( XXXX ) XXXX XXXX. contr. XXXX pts Int. 13.49 % From XXXX XXXX XXXX Cancelled : 3 times. 2 times in XXXX XXXX and 1 time in XXXX XXXX. We traveled to XXXX XXXX XX/XX/XXXX and met with XXXX XXXX. We purchased another XXXX points to move us up to XXXX. After agreeing to this, we again changed our mind and cancelled. The reason was our XXXX year old granddaughter was XXXX of XXXX XXXX. My son had already XXXX XXXX XXXX XXXX XXXX and we were helping him. XXXX said he would hold the price per point until we were ready to move to XXXX. On XX/XX/XXXX, we went to XXXX XXXX again. They again said they were going to give an update to explain the purchase of XXXX by XXXX. This was NOT to be a presentation - just an update. The salespeople checked our account and said that we had a pending contract on file and we would need to purchase or the contract XXXX was holding would be null. They treated us so badly and threatened to have XXXX fired because it was not legal, per them, for him to hold a price. Their manager got on my phone, speaking to XXXX, chewing him out. I was so very upset that I started to cry. Confused and not knowing what to do. We signed the new contract so XXXX would not be fired. {$1500.00}, they opened a new XXXX XXXX credit card in my name because I said I did not have the money to do this at this time. Another {$3100.00} was charged to two different XXXX cards, plus the {$1500.00} down. XXXX points purchased New payment {$660.00} We went home and cancelled this nightmare. XX/XX/XXXX we again went to XXXX XXXX. While there XXXX XXXX came to our room and asked us to come to his office for a talk to explain why we had cancelled the last contract. Also told we could use points to pay maintenance and buy plane tickets and other things. We were not told Platinum members can only use maintenance fees at XXXX cents a point. We agreed to another XXXX points. They had us open another credit card in XXXX name for {$4000.00}. Now XXXX XXXX XXXX XXXX has been calling, XXXX XXXX and his Supervisor XXXX. They are saying we need to upgrade to XXXX points to be permanent XXXX. Telling me we should never had been given the price on the other points of {$3.00} each. I do not have a clue how much a point we paid. We were never given a copy showing the cost. He said the points are now selling for {$8.00} each and that is what we should pay. I told Him No! Maintenance Fees increases. We were never told maintenance fees would go up each year. They have used all our savings. Paid {$76000.00} and we still owe {$93000.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$6900.00} Please help us.
12/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 705XX	Web	Older American
A Wyndham representative approached us to purchase week long vacations, a deal not to be passed up. So we did so for our XXXX children. We were asked to return and sit in on a presentation so the representative selling us the vacations would receive credit and pick up the certifications for the week long vacations. The sales brochure and the certificates are attached. 2. The sales of the week long vacations packages were very deceptive. It was sold as use anywhere anytime. Reality is you can not use them at anytime only in off peak periods and only at low coat low usage property as stated in the attached e-mail, These packages were issued only as we were walking out the door after the 5-hour high pressure presentation. We were not given time to read and review them prior to purchase. In the event this certificate package would have been properly presented for what it actually is no purchases would have transpired. 3. Sales person XXXX XXXX, XXXX XXXX and XXXX XXXX kept us for 5 hours with offers of splendid vacations, they kept bringing more sales staff and they kept adding to the pressure. Each staffer that appeared had an add on to make the deal better. We told the NO several times and they just kept bringing more people Sweetening the deal each time. 4. XXXX and XXXX said you could use points to take cruises ; redeem points for Airline Tickets and XXXX Tickets. This was a false claim, as we do not have enough points for this. We each ( XXXX and XXXX ) own Wyndham Vacations and travel the globe on exotic vacations. What they did not disclose is we do not have enough annual points to do any of this. 5. ( Rental Fee for Points ) this was disclosed to us as you could bring points forward for the next year without any extra cost. This is another false claim, as the extra points are expensive and must be purchased. We have checked into these properties and over 90 % of them we can not use due to too expensive, not prime vacation areas ( as stated ) or off peak season when our children and grandchildren can not go due to work and school. 6. There many documents singed without our knowledge by XXXX XXXX using the Docu-Sign application. Due to they had kept us there for 4-hours he forged our names onto this Docu-Sign and went through about 50 pages of documents electronically signing them without our knowledge or an explanation that would have given us more time to reject this contract. We have highlighted them throughout the contract. We were kept in this environment 4-1/2 hours longer than the consumer protection agency allows under high pressure the entire time. 7. A Barclays Wyndham Credit Card was issued to us and explained IF we use it, we could accumulate points and use them toward a maintenance fee. The maintenance fee was not disclosed to us until after we asked about it several times. The fee quoted us at the time is far less than the actual fee. Wyndham added a 10 % down payment onto the card instantly in which we have never received points but have received several invoices for the full amount of the maintenance fee. Then charges started showing up on the CC at 17.9 % interest. We confronted the Barclays CC Company and they removed the unauthorized charges. Now Wyndham is sending these charges through collection agencies now in an attempt to intimidate us by destroying our credit rating. 8. Wyndham did not disclose a 10day grace period to decline this purchase. When we approached Wyndham it was told to us You should have read the fine print and would you like to purchase a higher point package. We have never seen a disclosure statement. We did not receive a disclosure statement. 9. We reached out to Wyndham. Wyndham claims they internally investigated the incident. However over the course of 4 months their investigators XXXX XXXX and XXXX XXXX talked to us on the phone 2 times in mid XXXX and early XX/XX/2019. We did not communicate with them again for 2-months as we tried to follow up with the investigation. After 2-months XXXX wanted to conduct an initial interview as if we had never spoke on XX/XX/XXXX. We found this very unusual. All communications are attached. 1. Wyndham will not discuss this issue in writing. We have repeatedly asked them to write us any and all concerns and they refuse. We did receive e-mail from XXXX XXXX wanting to offer us something, she would not say what it was on e-mail and only could say it on the phone as per Wyndham policy. 2. We finally received a non-cancelation letter from Wyndhams XXXX XXXX on XX/XX/XXXX. This letter is attached and mainly reads like a standard issue letter. 3. We reached out to the Attorney Generals Office in XXXX and XXXX seeking help with this issue with no results. Wyndham had someone within their Consumer affairs deny all of our issues and concerns. 4. We have received many harassing phone calls from Wyndham Collections, Barclays, ( XXXX XXXX XXXX ) ( collection agencies used by Wyndham & Barclays to intimidate us ) mainly these people have been rude when we will not speak on a recorded line and ask them to send e-mails. We only seek for Wyndham to honor the 10-day cancelation period and cancel this contract, as per XXXX state law. We feel we were lied to, taken advantage of, misled by high-pressure sales staff and fraudulently coerced into accepting something we did not want and had said NO to, many, many times in the 5-hour long sales marathon.
08/03/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 90045	Web
I have been a Barclay 's credit card customer for several years in good standing. I never have balances, I always pay off my accounts in full each month. This card that was stolen was a back up card for me. It wasn't connected to a mileage program so i had it as an emergency card of sorts. I rarely ever used it. On XX/XX/2021, An electrician from The XXXX XXXX came to my home to install an electric car charger in my carport. Due to XXXX, he didn't come into my home at all. When it was payment time he said he'd process it in his truck. I was on a zoom with work, so I ran to my wallet, grabbed the first card my hand touched and it was the Barclay 's card. I gave him that card to pay for his visit. It was {$120.00}. He said he'd bring the card back and leave it on the ev charge box since I was dealing with my office. On XX/XX/XXXX, I left for XXXX for the XXXX holiday. I didn't get back to XXXX XXXX until XX/XX/XXXX or XXXX. When I got back I was removing all of my receipts, etc. from my trip out of my wallet into files when I realized I didn't have that Barclay 's card that I had given to the electrician. I saw him bring it back but I don't know if I forgot to take it from outside or if I dropped it in NY somewhere, but the card was gone. Once I noticed the card was missing I immediately called Barclay 's and reported the card stolen. Then Barclay 's informed me there were several charges made on the card during the possible missing dates. They went over a list with me and asked me if i had made each charge and each one, except for The XXXX XXXX, was not mine. It came out to about {$3100.00}. The credit card statement from Period XXXX is attached and shows these fraudulent charges. Barclay 's made my fraud claim anything but easy. Barclays initially credited me the full fraud amount back. Please see statement Period XXXX. BUT then Barclays charged me back for roughly half of the fraud charges with no warning or explanation. Please see statement Period XXXX. I called them and in Barclay 's fashion, was handed around from person to person after very long hold periods. The people in customer service barely spoke english and read general statements, they never listen to what you are saying. I was on the phone for a few hours and while no one seemed to understand how half of the fraud charges were put back on my card, one person in fraud said a police report would do the trick. I explained how in XXXX XXXX they won't give you a police report for simple theft. they have too much crime happening in XXXX country, but the person at Barclay 's said that was the only way to prove they were fraudulent charges. So with much effort, I was able to file a police report for the credit card fraud. I sent it to Barclays and nothing, I must have called every few weeks and it was a hassle each and everytime with no answers, just getting denials and people not understanding me. Finally in XXXX I reached a nice gentleman who spoke english and understood what i had been going through. he said the police report was never forwarded to the investigation group, so he said he sent them everything and I would be credited back all then interest fees and monthly minimum payments I had been making on the fraudulent amount so I wouldn't get any late payments. Well i've heard nothing and still see the fraud amount is on my card balance. I call barclays, customer service spends 30 minutes with me and then they put me on hold to pass me to fraud. The woman in fraud was useless. She said the police report isn't enough. I said how is an official police report not 'enough '. When Barclay 's said get a police report and it will be done. She kept putting me on hold to speak to some mystery person about other ways to prove my innocence. One suggestion was to go to the stores that the purchases were made and ask to see surveillance tape from the date the charge was made and if it shows someone else and not me that would clear me. This was insane. I explained to her that the credit card company is supposed to do the investigation, not me. I wasted dozens of hours with them already on this. Also, the stores listed are all over the country. I have never heard of something so asinine in my life. I then accused Barclays of fraud becasue it seems they are making it impossible to make me whole. I asked to speak to a supervisor and she told me you have to make an appointment for that. So I said make me an appt. Their 'appointment ' is a call anytime in the next 5 days in the morning. She said to be sure you have your phone on. I told her I work so if i miss the call what happens? And she said just keep the phone on. It's like speaking with robots. And I reminded her I have been a great customer with Barclays for years, no balances, etc. She stuck to her company line. So I am so frustrated and annoyed with all the hours I have wasted with that bank they leave me no choice but to make complaints about them now to force them into doing what's right and fair. i followed the rules in reporting and providing what they needed. I have never seen anything like this in my life. it's very suspicious behavior in my humble opinion. Once this is done I am cancelling all of my accounts with Barclay 's, they make you feel like a criminal as their customer.
02/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11757	Web
XX/XX/2022, there were two fraudulent charges on my wife 's XXXX XXXX, Barclays Bank Mastercard credit card. Business name : XXXX XXXX XXXX, for {$3100.00} and {$3900.00} The details of this situation were as follows : From XXXX XXXX through XXXX XXXX we were staying at Breathless, an all inclusive resort in the XXXX XXXX. We did not leave the resort or use our credit card while at the resort at any time. At the time of the charge, the card was in a locked suitcase in our hotel room. There was evidence that the suitcase was broken into but nothing was physically taken, it was reported to our hotel concierge but no official report was filled out. We did not realize our card was compromised and simply put back into the bag. XXXX XXXX I received an e-mail at XXXX Fraud alert, which I didnt see until XXXX that night. I attempted to call to have these charges revoked but the hold time was long and I was on vacation and couldnt get through. XXXX XXXX, morning, When I initially called to report the fraud, based on the name of the company, I thought they were charges in XXXX XXXX, not The XXXX XXXX. Additionally, when I reported the fraud I thought the charges were on my card and not my wifes. The customer service agent canceled my card and issued me a new one, at no point indicating to me that the charges were actually done on my wifes card not mine. I discussed the charges with the agent. Questioning how someone in XXXX XXXX could have gained access to my account information. At no point did the agent correct me and tell me the charges were actually sourced out of XXXX XXXX, not XXXX XXXX. Due to this, it took me a full two weeks, XXXX XXXX, to realize the charges were on my wifes card not mine and within the XXXX XXXX not XXXX XXXX. By this time I was home back in the US. I promptly canceled my wifes card and had a new one issued. XXXX XXXX I called again to follow up on the status of having the charges removed. I was told it was still under review. At some point the charges were removed and I was elated, because I can not afford to pay $ XXXX for something we didnt order or purchase. XXXX XXXX I saw the charges back on my account! I was shocked. I called and was told the fraud claim was rejected? I was told I was to receive a letter in the mail explaining. XXXX XXXX I received the letter from Fraud investigations which explained that because the card was on our person that they determined the charges had to be legitimate. I called again and was told that I had to send a letter requesting the case to be re-opened. On this day I wrote and mailed a letter requesting the case to be re-opened. XXXX XXXX I received a call from Customer service. They indicated that the letter had been received and the case would be re-opened. Operator ID XXXX XX/XX/XXXX. I called to follow up. I was told that the letter had actually not been received and the case was not re-opened and that I had to send another letter. This time I sent the letter certified mail. Along with this letter we included, photo evidence including time stamps, that we were at the beach at the all inclusive resort with many witnesses, not in possession of our card, nor in a situation where it would make any logical sense for us to be applying over $ XXXX in charges at a rental car agency ( or whatever kind of business the charges were ). Further more, we can find no evidence of this business XXXX XXXX XXXX existing, online or otherwise. XXXX XXXX I received notification from USPS the certified mail was received. XXXX XXXX I called to follow up. Spoke with XXXX XXXX - I was told the letter was received, logged on XX/XX/XXXX, and in review and they needed 7 to 10 business days to from when it was received ( presumably XX/XX/XXXX ) to review the case. XXXX XXXX Called and spoke to agent XXXX - I was told the review was not completed yet and to check back on XX/XX/XXXX if I saw no changes to my account. XXXX XXXX I saw no changes to my account so I called and spoke to Agent XXXX. At this time I was told the case was in fact not reopened until XX/XX/XXXX and that it would be a further 10 to 15 business days before I would see the results of the investigation. At this point, I got very frustrated and asked to speak to a manager. I was told there was no manager and I would receive a call back. XXXX XXXX A manager returns my call ID : XXXX - The Manager tells me that my case has been reassessed and that we are STILL liable for this fraudulent charges He tells me its because we still had the card in our possession and it was a chip reader charge. At this point I just dont know what to do I pled with him to help. I asked for his supervisor. At this point he says there is no supervisor to speak to and I am liable for the charges. He suggests I write an appeal to the office of the President of the Bank. We are still pending a response from the office of the President but have lost all hope of these charges being reversed. This is quite possibly the worst experience I have ever had with any business let alone credit card company. I dont understand why the burden of proof for fraud is on me as the card holder vs. this business to which the charges were applied, which is clearly in on the fraud.
05/25/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
1. On XX/XX/XXXX, XXXX XXXX XXXX , XXXX . contacted me ( XXXX XXXX ) in a form of latter attempting to collect a consumer debt in amount of {$2700.00}. 2. On XX/XX/XXXX I requested validation of alleged debt. 3. On XX/XX/XXXX. XXXX XXXX XXXX , XXXX . responded to my request with inadequate evidence to validate alleged claim. Plaintiff failed to produce as requested : a. ) contract agreement or promissory note bearing defendants signature on it. b. ) provide copy of assignment to XXXX XXXX XXXX. XXXX right to collect alleged debt. c. ) state whether alleged account is assigned to XXXX XXXX XXXX. XXXX. or its been purchased from the original creditor. d. ) provide the reasons why XXXX XXXX XXXX. XXXX. could not produce as requested information. 4. On XX/XX/XXXX I received Citation ( Debt Claim Case ) CASE NO. XXXX 5. On XX/XX/XXXX, I called original creditor Barclays Bank Delaware. Call was answered by Barclays Bank Delaware Relationships Manager who named himself as XXXX. I stated the fact that I have been contacted by multiple collector and I need to validate who has been assigned to collect debt. Since, I received Citation from XXXX XXXX XXXX XXXX, I specifically point out XXXX XXXX XXXX. XXXX. as assignee to collect debt and one who represent Barclay Bank Delaware in this case. Relationship Manager stated that he does not see any reference to the XXXX XXXX XXXX. XXXX.. Relationship Manager stated that he does not have any other information on account balance or any other details on alleged account as account was transferred/sold off to third party collector but he did not have any reference to XXXX XXXX XXXX and they do not know who XXXX XXXX XXXX is. In fact, account manage stated that I should be aware of collectors who fraudulently trying to collect debt. 6. The same day, on XX/XX/XXXX, at XXXX XXXX I call XXXX XXXX XXXX XXXXXXXX and call was answered by one of the representatives. I told her the facts about Barclays Bank Delaware does not know anything about being represented by XXXX XXXX XXXX XXXX for alleged debt, representatives was a bit surprised but could not confirm so she offered to me to be transferred to another representative named XXXX XXXX. After waiting for few minutes, XXXX got on call and I stated facts again what Barclay Bank Delaware Relationship Manager told me as he did not see any reference or any information on legal representation or collection efforts or assignment to XXXX XXXX XXXX XXXX. During discussion, XXXX dismissed such statement but could not provide evidence or confirm representation of XXXX XXXX XXXX XXXX for alleged client Plaintiff Barclay Bank Delaware with tangible evidence. At that point XXXX suggested that she will go back and contact her client and get back to me. I explicitly give her permission to call me directly on my mobile as well as to leave message if Im not available. She asked me to record phone number from which they will be calling me XXXX so I know who is calling. 7. As of Friday, XX/XX/XXXX I have not hear back from the XXXX XXXX or anybody from XXXX XXXX XXXX XXXXXXXX. 8. Since I have not heard back from XXXX XXXX XXXX or XXXX XXXX, I reach out again to Barclay Bank Delaware again. Second call was placed XX/XX/XXXX. Again, talk to account manager and she told me account is sold to third party collector, they could not take any payment and they are not aware of any Law firm representing them in this case. This time I requested statement in writing stating that account has been transferred/sold off and who is new account owner. Account Manager stated that she have requested letter and it will take 7-10 business days to receive it. As of Friday, XX/XX/XXXX I have not received any statement. Please note, this time our discussion is been recorded and audio evidence available upon request. As of today Friday, XX/XX/XXXX, Barclays Bank Delaware did not sent/produce written document of account status and ownership, yet refusing to accept payment for account in debt. Based on information provided by Account Manager, Im not able to make or arrange any payment regardless of outcome of the case without establish ownership of the account. In order to make payment, I need to find out who is actual owner of the account. This is reasonable request in order to determine actual owner and whom payment will be sent. Im without information or knowledge sufficient to form an opinion as to the truth or accuracy of XXXX XXXX XXXX XXXX I have serious reservation about XXXX XXXX XXXX XXXX posing as representation of the Plaintiff when in fact Barclay Bank Delaware have no records for such representation. If adequate evidence for legal representation and/or collection assignment to XXXX XXXX XXXX XXXX to collect debt for Barclay Bank Delaware is not produced this case is nothing but fraud. Original Credit Barclay Bank Delaware is Plaintiff in Case yet its unwilling to accept payment for the debt. This suggest that account is owned by third part, however third party does not want to be named or identify within legal proceedings. This is wrong and has great implication on consumer post judgment whatever outcome is. Thank you.
06/25/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO 80302	Web
I saw suspicious charges on my Barclay's/Frontier Mastercard so paid off the balance and cancelled the card on XX/XX/2019 which was processed on XX/XX/2019 ( See Exhibit A ) However, as I discovered today, the credit card company allowed an auto payment to XXXX XXXX be charged two days after I cancelled the card on XX/XX/2019 ( See Exhibit A ). I did not know that the company allowed automatic payment charges to be applied after cards are cancelled and NO notice was sent to me that a separate charge to XXXX had been made after the date of the card cancellation. So without any notice that the payment had been charged I had no idea that I owed anything. I had not used the card number to make any charges and had paid the balance in full when I cancelled the card. A couple of weeks later I received the new card but didn't activate it or use it therefore had no reason to believe I owed anything on the card. I did not receive a XXXX statement, possibly because we moved and have not been receiving all of our mail ) and no on-line statement was sent. So on XX/XX/XXXX when I received an email notice that my payment was late I was confused. I went on-line and found a statement without any transaction charges, only a summary of late fees, no transactions were noted. It showed a balance of {$29.00} ( See Exhibit B ) On XX/XX/2019 I wrote to Barclays/Frontier Master Card and explained that I had paid the balance in full and made no other charges. ( Exhibit C page 2 ) I asked for a phone number to speak with someone. On XX/XX/2019 I received a response telling me to call a number or use the on-line option looking under Activity & Statements and chose, 'Posted Transactions '. ( See Exhibit C pg.1 ) The information again verified that I owed only late fees but not what the fees were for and that there were no purchases or transactions on the card for that month. ( Exhibit B ) I also looked at the previous statement for XXXX and found that I had paid {$1400.00} and had only had {$1100.00} in charges ... .so I should have had a credit for that month of {$230.00}, not a balance owed at all. ( See Exhibit A pg.2 ) Today, to follow up, I called the number and asked for an explanation and while speaking with the representative it was revealed to me that the charge from XXXX made after I cancelled the card was the reason. I was told that they have a right to make auto payments after a card is cancelled and that I am expected to know that even though a supplemental bill was not sent, nor was any notification sent to me that there was an additional charge after the cancellation. They didn't think it was significant that the charge was not noted on the XXXX statement as a carryover, and they themselves had trouble explaining it until they studied the billing from the previous month. Even knowing that it was a flaw in their own system that caused the confusion and lack of notification to me, they refused to remove the negative mark against my credit and told me I had to deal directly with the credit bureaus to see if they would do anything about it. Only when I insisted that they give me information on how to reach someone at Barclays/Frontier did they give me a mailing address to reach someone in their company. They refused to give me a phone number nor an email address so that I could expedite the complaint and get a resolution quickly. The parties that I dealt with at Barclay's/Frontier were XXXX , employee # XXXX, XXXX, employee XXXX XXXX and Operator ID # XXXX. I was told by XXXX that I could go no higher than him to find a resolution unless I wrote a letter to a second address. He also refused to give me an email address or phone number so I could correspond immediately and find a quick resolution. Currently I am trying to refinance my home and this negative mark on my credit may prevent me from obtaining a good interest rate of may disqualify me from getting a loan at all as it appears that I am having problems paying my bills. I ask that you help me find a quick resolution to this problem. This flaw in their system, lack of notification and lack of information has created a problem for me that will result in years of higher interest on my loan. I believe that these companies should be held accountable for informing their customers that they will continue to allow charges on closed accounts. I also believe they should be responsible for sending notices or supplemental billings to inform customers that there are new charges that need to be paid from the old billing cycle before the payments become late and incur charges and result in negative credit reports on their customers ... even though the XXXX statement did not show any new transactions and didn't note an unpaid balance or carryover from the previous statement ( as you can see in Exhibit B ) so I was kept in the dark about owing anything and thought it was some kind of mistake in there computer system. Lastly, I would like to receive any credit that is due to me for the overpayment I made during the month of XXXX in the approximate amount of {$230.00} as well as the fees I was charged in the amount of approximately {$29.00}. Thank you.
08/18/2022	Yes	Credit card or prepaid card Store credit card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 75234	Web
On XX/XX/2022, I had made a call to XXXX XXXX Customer Service # XXXX at XXXXXXXX XXXX, regarding a charge for the amount of {$380.00} made on a credit card that I never received in the mail ( replacement card ). I was aware that XXXX XXXXXXXX was switching from XXXXXXXX XXXX to Barclays sometime in mid XXXX and that every customer should expect to get a new credit card ; however, I never received my new card in the mail. I hardly use the credit card anymore that I forgot that one was supposed to be mailed to me until I got a statement from XXXX XXXX showing a charge I did not make on the new card I was supposed to get. When talking to the customer service rep she informed me there was a transaction that was conducted on Monday, XX/XX/2022, for {$380.00} at the XXXX XXXX XXXX. I informed her that I didnt make the purchase and that I have yet to receive the new card. I also informed her that I was sick due to testing positive for COVID and that I was also pregnant and that I clearly remember what I was doing on the days of XX/XX/XXXX through 2 weeks later, as my now husband and I were out of work at home sick. She states that a new card would be order and I spoke with the person that was ordering that new card. She also told me that she would help me get setup on the Barclays app since I wasnt able to be for to make a payment on items I purchase back on XX/XX/2022 ( last authorized items ), since I had no new card number or account number with Barclays. My payment of {$16.00} was late for that reason of me not having access to pay online or through app. Once, I was all setup through the app, the representative had me speak with someone else regarding the unauthorized item. That person asked me if I recognized a transaction for about {$190.00} and I told her that I did not recognize it. I asked the First lady helping me why she didnt mention the {$190.00} charge and she stated that she does not see a charge for that amount and only for the {$380.00}. I stated the dispute of the {$380.00} through the Barclays app with the help of the customer service rep and informed her there was in fact a charge of {$190.00} but not {$380.00}, so I disputed both items as I did not make them. Before hanging up, I was informed that a case would be opened and the items would be investigated. On XX/XX/2022, I received a call from Barclays ( I thought the call would be about the transactions disputed as I was told someone would call me ) and it was a representative asking if everything was okay as they noticed I havent made a payment. I explained to that gentleman everything that happened when I first called. He said that he would have to transfer me to the dispute department ; however, that person spoke for one second and then hung up. I called the customer center again and told him where I needed to be transferred. Before transferring me he spent a couple minutes explaining to me the difference between dispute department and fraud department, which I am aware what the difference is and was just telling him where I was last transferred to. After reaching the fraud department, I again explained what happened and they said that they needed to transfer me to collects department as now the items were being handled with them as I was late on payments. Once speaking to the fraud agent, she informed me that the person who transferred from fraud department told her I wanted to make a payment, which is NOT what came out of my mouth. I told him I will not be making a payment on items I did not authorized and I have disputed. Fraud agent then told me that she needed to speak with the investigating department after I explain everything to her about the authorized items. Once she got the investigation agent on the phone the call cut out again. I had to call back again and I asked to be transferred to the fraud department to the last person I was speaking to but that didnt happen. I got a new person that I needed to explain things to again!!!! The new person informed me that the card I was supposed to receive in the mail in mid XXXX was activated as of XX/XX/XXXX, which I told her was not by me. Never once did anyone mention that since a card was activated in my name that I would need to file a identity theft report! Also, how could I of made a card purchase with a new card that I NEVER had in my hands???? She then told me that the case that was opened back in XXXX was closed due to being past the investigation date, so thats why it was never handled probably. Before, ending the call she told me that the item would be disputed and a case would be open. Also, one department stated they only saw the {$380.00} charge and another told me they only saw a {$190.00} charge, so I am very confused as to why people see different things and tell me differently. Also, one my account was unrestricted. Why, if there were fraudulent charges? Two, did they close out the card that was used or did they send me the same card number? The issue has not be resolved and I was threaten with the items being sent to collections. The account is still receiving late charges and I dont want it to affect my credit score.
06/18/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 92618	Web
I opened a Barclays XXXX Reward Card a few years ago. I did the 14th month payment plan with 0 interest to buy an XXXX product and did autopay so my account balance was paid in full every month. No issues. This was in XX/XX/XXXX. In XX/XX/XXXX Barclays offered me the same promotion. I was going to use it to buy a new Apple product. They said they sent me a new card in XX/XX/XXXX. I never received the card. I contacted them 4-5 times in the month of XX/XX/XXXX and in XX/XX/XXXX. In XX/XX/XXXX I contacted them to tell them I had not received the card. They then told me it may take another week. I still hadn't received it. I then received a notification that a balance was due for the shipping of the card. I attempted to pay over the phone but I was told that I would need my card to pay. I told them I hadn't received my card. They said they couldn't provide my account number over the phone so I would not be able to pay over the phone. I also could not pay online because paying online requires having the card information. Customer Service said I would be contacted within 24-48 hours by a manager. I was not contacted. They refused to remove the charges. Then it was XX/XX/XXXX I called again saying I had no access to my account and a balance I wanted to resolve. Customer Service had me speak to the manager who said they could not remove the shipping fee for the card and the late fee. I also asked them to give me the tracking number for the card and they said they could not provide that to me. Because of this, my credit score dropped 20+ points. I have NEVER been late on a payment on any card or loan. I am financially responsible. I am not in a position to be irresponsible. I contacted them again and finally, Customer Service agreed to waive the fees once I told them I was going to report them. They said they were going to mail me proof of my XXXX balance. They did not. This was confirmed by the customer service representative I spoke to later. She said nothing was mailed. She said I could see my balance online and I told her I didn't have access to my account because I still hadn't received my card. I requested another card be sent to me so I could access my account and verify my XXXX balance. She said she was going to send me a duplicate and I asked her to send me a new card with different numbers. She said she couldn't because there was an issue with my account. She then forwarded me to the Barclay 's Security Team who said it was a security issue. The Security Team went through a number of security questions to verify that I am me. They told me my account was closed yesterday due to inactivity even though they had charged my account less than a month ago. I had not received any notice prior to this phone call on XX/XX/XXXX of my account being closed. When asked to receive verification of this they said they would mail me a letter but could not confirm this through email. They said I could check my online account and I reminded them I could not because I never received my card. I was then forwarded to the Credit Department. I was told by the Security Team that the credit department can send out a letter to the Credit Bureau to correct their mistake. The Credit Department told me I could dispute this with the Credit Bureau. I told them I already am and I am also going to report them because they did not resend me a card, allow me access to my account, send me information regarding the balance in the mail or by email and they gave me the run around when nobody would help me resolve this issue for months. They said this is because I have a paperless account. I don't have access to my online account so I don't understand how that is possible. Today they had me speak to a supervisor who they said would certainly resolve my issue. After almost 2 hours on the phone with Barclays without interruption, they hung up on me, they said the call was dropped. I maintained professionalism throughout each phone call. I called back and was able to speak to a manager for the XXXX Rewards Card named XXXX. XXXX sent me an email statement finally confirming that my account had been credited. I had a XXXX balance. But she said she could not send me confirmation that my account had been closed. I also asked her if she was going to contact the Credit Bureau to inform them of their mistake. She said I had to write a letter to Barclays Dispute Team. I asked her to email me the address she said she could not email it to me. This was the address she gave me over the phone. FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX, Delaware XXXX In short, they charged me shipping fees for a card I never received, which turned into late fees. They did not allow me access to my account without this card so I could not pay fees even over the phone because they said I did not have my Barclay card information. The customer service department could not provide me with proof of my balance by email ( said they would mail me a letter twice, but Customer Service confirmed that was never done ). They did not notify me of my account closing until today. All of this caused my credit score to drop.
02/18/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 282XX	Web
Re : Barclays Fraud Case # XXXX On XX/XX/2019 at XXXX, through text I received a fraud alert message from Barclays notifying me of a suspicious credit card transaction of {$380.00} made on XX/XX/XXXX. At XXXX, I responded via text that the transaction was not valid since I had not purchased anything at this location nor was familiar with the retailer. The following morning, I received a call from Barclays notifying me of several smaller transactions also made on that date that I did not make ( Refer to Appendix A for listing of all the contested charges ). During the conversation, the representative asked me if I had possession of my credit card and advised I did and did not understand how my credit card was compromised. The representative advised that they would do an investigation and get back to me. On XX/XX/XXXX, I received a call from a Barclays representative advising that I was responsible for the charges since I still had my credit card in my possession. I advised the representative that I did not make those purchases and asked what evidence they had identifying that I was the one that made the purchases. She advised that because the card has a pin and chip and I had the card in my possession that was sufficient. I specifically asked her if they had any information or videos provided by the retailers to evidence how and who made the purchase. The representative advised that they had not contacted the retailers to investigate. I advised the representative how could they have done a proper investigation without first speaking and obtaining evidence from the retailers. She then proceeded to give me the vendors ( XXXX ) number so I can inquire with them directly as to who and how the purchase was made. I advised her that it was Barclays that needed to call the retailer to investigate the matter not me. She then put me on hold, called XXXX retailer and asked if they could investigate the matter. The gentleman advised that he would refer the matter to their head office and get back to Barclays. Since I had not heard back from Barclays since the last call, on XX/XX/2019, I called Barclays at XXXX to get an update on the matter. I was transferred to fraud Investigations department and waited almost an hour and received no answer from a Barclays representative. On same day, I called Barclays at XXXX and the representative ( XXXX ) advised they did not have a case opened for my matter since the case had been closed. He then proceeded to re-open the case # XXXX for me since a case not was not found in their system. On XX/XX/XXXX, I checked my mail and found a letter from Barclays advising that their investigation determined that I was responsible for the charges and the case was closed. On XX/XX/XXXX, I called the Barclays fraud group to advise them again that I did not make those purchases and requested to see information they had to conclude this. I requested to speak to a manager and was advised that the issue would be referred to a manager to investigate and get back to me. A manager did not get back to me. On XX/XX/XXXX, I called Barclays and spoke to a representative XXXX ( ID XXXX ) and he advised that he would refer the issue to the Fraud/Security department so the case could be re-opened and for me to fax them. I advised XXXX that I would pay the last transaction I made ( {$11.00} on XX/XX/XXXX ) and would refer this issue to the CFPB to help me with this matter since Barclay has not investigated the matter. Barclays stance is that I had possession of my card, but my having possession does not mean that my credit card was not compromised. Although the card chip-based, it is not 100 % foolproof against fraud such as card-sniffing, card-skimming or other fraudulent techniques. Additionally, you could tell by the way the purchases were made, that the fraud actor tested by making smaller purchases and then proceeding to make larger ones until Barclays system detected anomalous activity. Especially given, I dont frequently use this card as it is not my primary card and generally usually used for business purposes and have not ever been to any of the retailers. Barclays is yet to prove : 1. Evidence ( s ) that I made these purchases in person? 2. Did all the merchants involved with these fraudulent charges have EMV-compliant systems or have a defective point of sale system when these transactions occurred? Were these purchases made by swipe? Was card cloned? 3. Did any of the merchants where I made a prior purchase not have EMV-compliant systems or have a defective point of sale system when I made purchases? Were any purchases made by swipe? Unfortunately, due to travel and illness, I could not fax Barclays on XX/XX/XXXX, but am doing so today. Note that I have yet to receive a response from Barclays on the matter after speaking to the last representative. I need this issue resolved as soon as possible. Thanks. XXXX XXXX XXXX Appendix A XX/XX/XXXX XXXX XXXX # XXXX XXXX {$11.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXXNC {$160.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXNC {$380.00}
03/13/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 91604	Web
I have found this consumer protection website while researching the internet fraud and I wanted to raise an issue to the attention of this agency. Last year I had a depressing year after finding many many transactions not authorized by myself or my authorized user all across a 3 month period on my statements once I began to see a significant increase in my monthly statements due. sorry, I dont meticulously watch every transaction each month and I spend a lot some months and less other so it went under my radar. I am just simply shocked and frustrated that Barclay has not called me back after I disputed these transactions months ago! I spoke to 3 agents while on the phone for hours and had my authorized users card closed and mine replaced for security. I went thru 2 fraud departments between my two credit cards with Barclay one by one listing the fraudulent charges, mostly foreign ones. After nearly 2 hours on the phone documenting everything with multiple agents I made sure the investigation was initiated and I was told it was and I was told I would receive mail regarding this and confirming the dispute and also phone calls with further questions and eventually a phone call to discuss the outcome and how my accounts would be credited and yet I have NEVER received a single piece of letter in the mail or a single phone call from anyone at Barclay regarding either my rewards card or my XXXX card. I love my Barclay cards and these are the ONLY cards I use and I am so disappointed and I feel like they have abandoned me, my issue and are simply hoping I don't say anything so that the insane amount of fraudulent transactions and foreign transaction fees stay as they were as opposed to rightly refunded to me. I am in XXXX XXXX and I have so much anxiety because I have had no resolution, refund or communication from Barclays. I called a few times with no luck getting in touch with the departments responsible. Once I was told the department was closed because it was a weekend and another time I called and was transferred to the fraud/dispute department and had to hang up after being on hold for over 47 minutes! I truly feel scared that my money is not going to be refunded to me and I am still paying astronomical interest on these fraudulent transactions and it has been so hard! The worst part is that my credit is extremely damaged by this because it is over {$11000.00} in charges, fees and added interest. My debt is so high because of this that it tanked my credit score and the balances are so high that my FICO shows I am at extremely high usage which also hurt my score. I just dont understand how and why they have not followed up me or have not cleared the 8 transactions I went over with them. I was told that two were accidentally certified somehow and even though I am sad that I cant include those I understand. But, I would like for those to be included as well because authorized users cards and information was compromised and we are not sure how these transactions became verified and can not confirm by whom. I was told by the XXXX side of things that since the cards were closed it would be tricky to reverse the transactions on the cards because they no longer exists but I cant imagine what the hold up is because I am still a customer, I continue to make payments and the balances are still there on the new cards. Why not reverse them there? I am reluctant to pay large payments because it is not my responsibility to pay for these fraudulent charges and yet here I am paying them each month. Please, can someone help me!? I once received a call and I felt like I was on 3 way with a man and a woman. A man called me but before I said Hello I heard a woman speaking to him. I dont understand why but I feel as though this was a set up and I felt cornered and I had no clue what this person was talking about. This person spoke my name and talked about knowing me and me having an account with his company. I asked that man where he got my number and he he had no answer. I asked how he knew my name and still nothing. I asked him to leave me alone and never call me back. Did someone at Barclay give this person my information and ask them to call me and question me? How did this person know me? What was his business and what are all of these bogus electronics store and car part transactions form over sees? My concern is that these transactions are fraud, fake business and unusual transactions codes. I googled each and every one of them and all ways pointed to frauds and scams. Obviously these are not accurate and fake and I would expect Barclays to have NO issue getting their money back from these scam terminals in XXXX, so why am I suffering!? Why am I being ignored and my rights to dispute and an investigation ignored? literally it has been over 9 months already and NOTHING! As if nothing was ever disputed! Please PLEASEEEE reverse these fraudulent charges! Please I want the CFPB to have access to my phone calls where I spoke for hours with your fraud departments and listed and discussed each and every charge. I am so worried
08/04/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	DC 20011	Web	Servicemember
1. On XX/XX/2021, I was on vacation in XXXX, XXXX with my sister, shopping in the XXXX XXXX. At XXXX EST, I received a call from Barclays that an authorization for {$4300.00} had been flagged as fraud. I told the representative that I did not make the purchase. He said he would flag the charge as fraud and issue me a new card. 2. On Friday, XX/XX/2021, I received a letter from Barclays saying they had completed an investigation and found the activity valid. I contacted Barclays Fraud on Monday morning, XX/XX/XXXX to contest the findings. I was told the activity was valid simply " because the chip from the card was used at time a purchase. '' There was no further investigation conducted by Barclays. 3. I reiterated that the charge was fraudulent and wanted my continued dispute annotated in my complaint. I requested the merchant name, type of business, address and phone number from Barclays. First, I had never heard of the merchant. Second, the merchant was described as retail. In my own investigation, the number provided by Barclays was not retail, but linked to the XXXX XXXX of the XXXXXXXX XXXX XXXXXXXX XXXX. When I contacted the merchant, the employee said that the library does not conduct sales. When I XXXX the address provided by Barclays, it was in an area of XXXX I had not visited. In fact, at the time of the transition, I was 6-8 blocks away from the supposed point-of-transaction. I have a statement indicating I was at a different shop at the time of purchase, and could not have been in the location of the merchant. Furthermore, the phone number did not match the merchant based on the address provided by Barclays. How can a consumer be expected to investigate their own claim, when the card issuer provides poor, erroneous, or unverified information to the consumer -- then makes the consumer try and put the pieces together. 4. On XX/XX/2021, I sent a letter to Barclays outlining what I had discovered. After seven days I had still received no response from Barclays. 5. On XX/XX/2021, I contacted Barclays. The fraud associate reiterated that Barclays found the activity valid and I was responsible for the charge. There was no mention of the follow-up material I sent for review. After 20 minutes on the call, the associate finally relented to forward the information I sent for a higher-level review. When I highlighted the discrepancies in the information provided to me by Barclays the associate expressed a number of excuses as to why the information did not match, but reiterated, because a chip was used, the charge was valid and I responsible for the amount, including interest, late fees and charges. Frankly, I should NOT be liable for any of the aforementioned charges as long as the dispute is ongoing. Furthermore, Barclays has shrugged off it's responsibility to provide a accurate and legitimate business name, contact number and address of the point-of-sale/transaction. 6. During my call with Barclays on XX/XX/2021, I asked that they request from the merchant and provide a receipt of the transaction. The associate said " no '' and that they were not required to do so for fraud. However, if I wanted to change my claim from fraud to a dispute, the dispute resolution department " may '' ( not that they will ) be able to obtain a receipt of the transaction. However, if I changed from fraud to a dispute, I would thus be admitting the transition was mine. Furthermore, I could not later claim fraud. While I expect due diligence in respect to Barclays conducting an investigation, the company provides so many barriers for me to conduct an investigation, it's frankly impossible to do so, especially when provided erroneous information n the merchant. -- I am adamant that the amount of {$4300.00} is a fraudulent charge. -- I have a statement that I was in a different shop at the time of the Barclays call and fraud occurrence, based on information provided by Barclays. -- A consumer can not be reasonable expected to conduct an investigation, in a foreign country, with poor, incorrect and/or erroneous information from the card issuer. -- Simply because a chip was used does not mean the charge is valid. A number of recent reports and studies have indicated how a chip can be duplicated. -- Refusing to contact the merchant and provide a sales receipt is disingenuous. -- While the dispute is ongoing, the charge should be removed from my credit card, including interest and fees. -- Finally, when Barclays called me about the fraudulent charge ( at the exact time the fraud occurred ), why was it not blocked? When I said the charge was fraudulent, why was the authorization not cancelled? My experience with XXXX and XXXX XXXX, is when a charge is flagged as fraud, the charge is denied until the consumer either confirms via text, app, web or call. It seems counterproductive to call when a charge is flagged and then allow the authorization to proceed to a final sale/transaction. Especially, when the highest purchase on the card had only been {$200.00} ... {$200.00} to {$4300.00} is a obviously a red flag.
03/21/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	OH 44011	Web	Servicemember
On the evening of XX/XX/XXXX, I went out for the evening to see friends at a local club, XXXX XXXX. This is an establishment I did frequent often and do not deny that in any way as I had friends who worked there and stopped up to see them from time to time. On the evening of XX/XX/XXXX I did give my XXXX card to the staff to hold for a tab, as they stated my other card, XXXX XXXX Card on file was not going through which I though was insane however not uncommon as for security reasons cards do this from time to time. I can honestly declare that this card was not in my possession at all once I handed it to the bar staff. I had no knowledge of the charges that were being attempted and made on this account. At one point I received a phone call from XXXX asking if I had authorized a XXXX charge which I stated I did not and stated that. When I inquired about this to the staff I was told this was a huge mistake and would be corrected. The next morning I was literally shocked to find out that XXXX XXXX attempted to charge my two card for almost 95K in charges in 3 hours. You have the doc on file showing a breakdown of these charges that the bar was trying to charge both your company and my XXXX over this timeframe. They actually tried to charge both cards for the same fraudulent amounts numerous times. I mean who even could think that these were valid charges, charging two cards for the same amounts within 2 mins of each other? ( The breakdown of all charges attempted/made that evening shows a picture of what I am referring to ). I received ZERO receipts for any of these charges and the signatures on these receipts are nowhere close to my own. When I found out of these charges I immediately went to XXXX XXXX and demanded proof via receipts and camera footage. They did not have receipts on file even though it was less than 36 hours after the incident. In fact, the receipts I provided to your company took me almost 1 full month to acquire. Every day I was told a different story on why the receipts were not available. I repeat, I NEVER had a receipt in hand for any of these charges. When I finally received these receipts I was relieve as I noticed the signatures were nowhere close to my own and that this obvious fraud would be reversed. I did not receive goods or services for these charges the massive amounts of uncharacteristic charges were for bar staff tips. I mean come on, one charge was for {$9800.00} as a tip for bottled water?!?!? This is so far beyond even being believable by anyone yet it is has been a nightmare to get anyone to listen since, your card is chipped and wasnt reported as stolen per the mail correspondence I received. XXXX was stolen from me in 4 hours time, XXXX through XXXX and XXXX through my XXXXXXXX XXXX by people who did not think I would miss that money or do anything about it. Thank XXXX I reached my limit on my card as they attempted to charge XXXX ( Docs to you also show this amount ). This is probably the best proof I have outside of the fraudulent signatures and fact that the video recordings are non-existent now. If I truly authorized those charges and XXXX of the XXXX was declined, why didnt this establishment kick me out and try to come after the money from both credit card companies and me?!? Please re-open this investigation. I did not authorize nor spend these funds. I did not have my card in my possession and was denied even getting receipt proof for almost 1 month. I have filed police reports and have attorneys working on this matter however I am asking you to do the right thing and reverse these funds that have stolen from me. Here is a complete breakdown of charges and time per credit card companies. The charges with the asterisks were attempted and thank XXXX declined by both companies. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) $ XXXX- XXXX $ XXXX- XXXX * $ XXXX XXXX ** ( declined ) * $ XXXX XXXX ( declined ) Total- {$41000.00} XXXX XXXX XXXX ( XX/XX/XXXX - XX/XX/XXXX ) $ XXXXXXXX XXXX $ XXXX- XXXX $ XXXX XXXX $ XXXX- XXXX $ XXXX- XXXX $ XXXXXXXX- XXXX ( declined so they charged the other card 3 mins later ) ** $ XXXX XXXX ( declined so they attempted on other card ) $ XXXX- XXXX $ XXXX- XXXX Total- {$52000.00} To be fully clear, I did not authorize ANY of the charges over {$840.00}. The {$840.00} and smaller were valid, ALL charges over that were not valid and charged as tips/non merchandise. No receipts were provided upon demand for almost 1 full month. The signatures were completely forged and nowhere near my own. When large charges were declined, the merchant tried to use another card they had at a bar tab for these charges as you can see from the timeline above. When that did not work they just charged for smaller amounts that were not being flagged by the credit card companies. My credit has now dropped 90points due to both cards being maxed out. We have lost the fraud dispute with both companies who cited since my card is a chipped card and not reported stolen I would be responsible for these charges. Please contact me at any time for further details
06/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Delay in processing application	CA 94122	Web
I submitted an application for my first ever Barclaycard Arrival Plus World Elite Mastercard on XX/XX/2019. I also paid {$15.00} to expedite/overnight the approved card to my home address. Note that I've been an existing Barclaycard customer with a different card for over 4 months now. I got a standard response saying that my application would be reviewed within 10 days with a response. Not having received a timely response from Barclaycard, I proactively reached out to them asking for an update on my application. They put me on hold for quite a while before finally telling me that there was an issue with the address provided on my application. They asked me to send copies of 3 different documents ( Social Security Card, Bank Statement with a name and address, Driver 's License ). There were no other special requirements around these documents apart from what's listed. They insisted that the only acceptable way to send this was by regular postal mail ( email and fax were not discussed as an option despite me asking for them ). Note that this is in the year 2019. I obliged and sent copies of all 3 documents exactly as requested by post on the XX/XX/XXXX. I have a delivery confirmation from USPS stating that this was delivered to Barclaycard the week of the XX/XX/XXXX. Barclaycard however did NOT process this till they XX/XX/XXXX ( a week from then ) and couldn't even confirm the receipt of my documents that entire week. On XX/XX/XXXX, I called them only for them to tell me that the bank statement I sent was unacceptable ( despite it clearly showing my full name and the correct address ). This was a statement printed out by a XXXX XXXX Representative in a local bank branch. Barclaycard claimed that what they were really looking for was a completed computer generated statement ( this was NOT called out earlier ). They insisted that I needed to send in an official statement ( despite having sent one in already ). I was told that it'd be processed within 2-3 business days of receipt. At this point they informed me that faxing the document was an option ( note that this wasn't an option the first time ). I faxed the document the same day and it was received on the XX/XX/XXXX. I called them on the XX/XX/XXXX and Barclaycard told me they have NOT received or processed the new documentation and told me that it would instead take 7-10 business days to process this instead. I called them regularly the week after that to check on the status and finally on the XX/XX/XXXX ( 10 business days after receipt ), they confirmed that the docs were received, my application was approved and that I'd receive the card by Wednesday ( XX/XX/XXXX ). The card did not arrive as scheduled. I waited till XX/XX/XXXX before calling them where they said that the card was NOT approved and that they still needed MORE address related documentation before they can approve it. First they mentioned they can send in documentation via email and then said I can only send it by mail ( not fax ). Surprisingly the card arrived by USPS regular speed mail later in the day on XX/XX/XXXX ( despite not sending in the docs for a third time ). I activated the card but still am unable to spend on it because of issues on Barclaycard 's side. I still don't know for certain if the card is valid because I can't reach their customer service team either. - This has been an extremely harrowing experience for me over the last 6-7 weeks. - Barclaycard has NOT been proactive at informing me of issues with my application. I had to call them each time taking more than 20 hrs of precious time out of my work days during this period. - Barclaycard 's document processing capabilities in the year 2019 has been backward and slow. - Barclaycard 's agents did NOT offer accurate or consistent information about resolving this issue. - Barclaycard 's agents were not aware of basic details as to how their own systems work or how long a process might take. - Barclaycard 's agents were unwilling to escalate calls to their supervisors when they didn't have the information themselves - Barclaycard was not keeping any notes about the multitude of interactions they had with me on this single issue over the last several weeks. My pleas to add notes fell on deaf ears. - Barclaycard agents ' general tone ranged from rude to indifferent. - Barclaycard did NOT honor the expedited delivery I had explicitly paid for and sent the card to me via regular mail In the year 2019, having a backward technology stack and doling out this sort of despicable treatment to an existing customer in good standing who wanted to give them several thousand dollars of new business is unacceptable. At this point in the process, I've cried out in frustration and have wanted to give up and cancel the application several times. Any reasonable human being would have lost their patience many times over. It's not a stretch to imagine how many thousands of customers have been mistreated by poorly trained Barclaycard agents. I pity all of them and call on Barclaycard to make this right at once.
08/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA XXXXX	Web
1. Redelivery of stolen and lost XXXX Rewards Visa Credit Card for Acct XXXX in XXXX XXXXXXXX XXXX MasterCard Credit Card for Acct XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 2. Waive late fee applied XX/XX/XXXX and correct credit report if any changes made because otherwise there are no negative comments on credit report. Such activities support the concerted activities to support not having the log in information to access the online account and requiring speech to be directed to customer service agents in the presence of scammers to retrieve such information at their own convenience, reward theft of relevant mail, and reward involvement of security professionals that harass civilians/ general public in order to achieve such circumstances. Concerted activities are oriented to deter final payment of full refund of all monies owed, fair investigation of such criminal activities, and apology for such criminal activities. 3. Continuous theft of mail prior to delivery by United States Post Office that would include general correspondence, or delay of such mail, especially in the instances of replacement cards. Other activities include theft of later distributed lost mail after removed and seen in USPS box, prior to reentering storage area where such documents are to be kept and stored. Continued activities to create false belief that such illegal activities are of a legitimate business with approval of government law enforcement and city deputies, aside from creating false impression that individual 's recordkeeping must be flawless until next time such activities occur to create raid like shattering of files and removal of relevant receipts to deter recreation or organization of recordkeeping, use of software or online websites for account management, or to continue to receive such activities in reward for presenting work product that someone else with ties to an accountant or auditor, or a representative of the bank itself in some other capacity, can then take credit for maintaining or supervising. All intended false beliefs, including discussions with police engaging in anything other than just receiving reports, i.e. actually responding, also appear as ludicrous as that a well established accounting or auditing firm would regularly manage such activities, including destruction, vandalism and burglary, not theft, as right of entry was never granted through someone with the right to authorize such activities, given that the police were acting as criminal accomplices. When receipts of every transaction were stored, as they continue to be stored, the false pretense was that the BANK or the MERCHANT needed such documentation for their own audit or reconciliation. Other false beliefs created are that neighborhood security groups were acting legally, if they indeed acted, when they broke into houses and stole such documents for their own benefit and not in further resolution for the discrepancies benefitting the BANK and/ or MERCHANT that would be discovered. 4. Continuous reversals of store credit and transferring amounts bank and forth to other financial institutions that were experiencing recurrence of list item no. 1, as stated above, in order to confuse everyone and create confusion or loss of memory, when unsuccessful, misuse of any speaker in a security alarm system with an emergency evacuation feature/ public announcement system was misused to deter XXXX XXXX XXXX XXXX 5. Non responsive to several communications presenting again and again relevant evidence of transactions whose credits were applied and then reversed. Issue occurred multiple times in connection with thefts of hard copies of such correspondence, aside from use of software content filters on different machines to deter locating relevant information, such relevant information was also blocked in public, unlike in other instances where same mechanism was used with the intent to embarrass one for searching for such correspondence in electronic form through mail servers. 6. Debt was carried over to this institution after matter was initially presented to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in its entirety, and such institution did not request such information after it was provided reasonable time to obtain that information from XXXX XXXX or XXXX XXXX to fully refund any monies paid after it was established that over {$420.00} was due back in refunds alone on the XXXX XXXX XXXX XXXX XXXX 7. Make clear, with repeated adequate assurances, that all past communications will be located to reflect the full record of such communications as all were identified, and reports provided on XX/XX/XXXX, addressed order no. XXXX, that was also provided in the past, was not made available due to the criminal activities mentioned, within the letter dated XX/XX/XXXX addressed to XXXX XXXX. All communications made via phone through customer service also communicating such correspondence aside from requesting an update should also receive acknowledgement for the record.
11/22/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	HI 967XX	Web	Older American, Servicemember
XX/XX/XXXX : Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Barclays Bank ) XX/XX/XXXX : Activated new XXXX XXXX : First charge with new XXXX ( {$18.00} ) XX/XX/XXXX : Email notification of ( XXXX ) XXXX statement available online XX/XX/XXXX : Opened monthly XXXX statement onlineDISCOVERED {$21000.00} XXXX Balance {$20000.00}. transfer to Bank XXXX XXXX on XXXX plus {$1000.00}. bank transfer fee. *NOTE : I did not initiate the funds transfer, or authorize the funds transfer. XX/XX/XXXX : Reported fraudulent {$20000.00}. transfer to XXXX to Barclayssurrendered XXXX XXXX ( destroyed ) and blocked all transactions. New replacement XXXX ordered. XX/XX/XXXX : Activated new XXXX XXXX XXXX XXXX XXXX {$20000.00}. provisional credit for disputed funds transfer to restore use on XXXX XX/XX/XXXX : Called XXXX XXXX XXXX to close Alaska XXXX XXXX XXXX XXXX XXXX XXXXCustomer Services Representative XXXX. Discovered a balance of {$18000.00} credit in the accountand a {$20000.00}. funds transfer from Barclays Bank on XXXX. I told XXXX that the transfer was a fraudulent transactionthat I had reported the disputed transfer to Barclaysand I asked BOA to reverse the transferand call Barclays Bank Investigations division to help resolve the case. XXXX said that bank to bank cooperation to resolve the dispute was not possibleshe persuaded me to authorize the transfer of the {$18000.00} credit in the closed XXXX account to my personal bank. XXXX : I verified with XXXX XXXX our entire conversation was recorded! and from this time forward, I asked for and received assurance that all conversations with Barclays Bank were recordedand were required to be recorded! XX/XX/XXXX : I called Barclays Bank Investigations division and told them that I discovered that the BOA account that was sent the {$20000.00}. transfer from my Barclays XXXX account belonged to me. *NOTE : I did not initiate the funds transfer, or authorize the funds transfer. Barclays had no interest in my attempted help or added information for their investigation?! XX/XX/XXXX : Received {$1000.00}. provisional credit for the {$1000.00}. bank transfer fee debit. XX/XX/XXXX : Barclays concluded their dispute / fraud investigationfinding that the transfer activity was validand reinstated the {$20000.00}. transfer debit and the {$1000.00}. bank transfer fee debit. Barclays Bank did not clarify what generated the funds transfer?! XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative named XXXX said that the case was closed and XXXX could not discuss it. I asked to be transferred to a managerand the person was XXXX. I discussed my frustration with the closing of the investigation with XXXX she gave me the option to write a request to re-open the investigationand the Barclays Bank address to send my letter to. XX/XX/XXXX : I wrote and mailed a letter to Barclays/ Investigations requesting that my fraud investigation be re-opened. XX/XX/XXXX : No reply to my letter from Barclays. I verified with Barclays Bank that all of my outstanding XXXX charges were paid in full and I closed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance remaining that was the disputed {$20000.00}. transfer to XXXX, the {$1000.00}. Barclays Bank transfer fee, and interest and fees in connection with the disputed transaction. XX/XX/XXXX : I called Barclays Bank XXXX division and spoke with a representative to ask about my letter that I sent on XX/XX/XXXX to request they re-open the case because the determination of the initiation of the disputed funds transfer was not identified in the investigation. The representative verified that my letter was received, and there would be no reply to my letter because the case was closed. I was referred to Barclays Bank customer service if I wanted to pursue any assistance. XX/XX/XXXX : I spoke with a Barclays Bank customer service XXXX, XXXX # XXXX, and she was able ( after escalating the approval of resolving the dispute ) to resolve my dispute through my transfer of {$20000.00}. to my closed Barclays Bank XXXX account XXXX and removing all of the bank charges and fees resulting from the XX/XX/XXXX {$20000.00}. funds transfer to BOA and associated charges placed on my account. I approved the agreement to resolve the dispute with XXXX ; and I provided XXXX with my required personal bank account information for the {$20000.00}. funds transfer. XX/XX/XXXX : The transferred {$20000.00}. from my personal bank to Barclays Bank XXXX account XXXX was completed and posted on my closed XXXX account. XX/XX/XXXX : Barclays Bank did not remove the {$1000.00}. transfer fee, nor have all of the bank charges and fees been removed per my agreement to resolve the dispute with Barclays Bank on XX/XX/XXXX. XX/XX/XXXX : I called Barclays Bank customer service and spoke with a representative XXXX XXXX # XXXX she verified that her records show that the XXXX account balance is 0and that the online account information has not posted the resolved dispute credits.
10/25/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77066	Web
Today if I may, I want to speak with you about a growing concern I have. With how the creditor Barclays Bank Delaware continue to violate my rights I have under the Fair Credit Report Act. I have been continuously fighting with this creditor about errors and inaccuracies with account information provided on my credit reports that I want corrected. The creditor Barclays Bank Delaware continue to refuse to follow the guidelines provided by the Consumer Financial Protection Bureau and the CARES ACT during the Covid19 pandemic. In XXXX, the Consumer Financial Protection Bureau released a policy statement outlining the responsibility of credit reporting companies and furnishers during the Covid-19 pandemic. When Congress passed the CARES Act, it required lenders to provide struggling borrowers payment " accommodations. '' In the CFPB statement it warned lenders they must comply with the CARES Act. Which requires lenders to continue to report to the credit bureaus that consumers are current on their loans and paying as agreed " if consumers have sought relief from their lenders due to the pandemic. '' It also requires lenders to report " Accurate information '' to credit bureaus relating to the relief. However, creditors like Barclays Bank have failed miserably at abiding by the laws of the FCRA Act. I would like to bring to your attention one of my creditors, Barclays Bank Delaware, failing to conduct " reasonable investigations '' into my disputes about errors on my reports. I have two now charged off accounts with Barclays Bank Delaware. In XXXX of XXXX, I contacted the creditor asked for and received a Covid-19 payment relief accommodation. I know your first question is whether I was given any documentation? However, my creditors never gave any documentation about approvals for the Covid-19 relief program. I was always told it would be noted internally and the information " Pays as Agreed '' would be submitted monthly to the credit bureaus. To prove that point, I called and spoke to one of XXXX 's representatives XXXX XXXX. I called Barclays Bank ; it was my intent to request a letter verifying the XXXX relief program I was in. I spoke with rep " XXXX, '' He confirmed with his supervisor Barclays do not send out confirmation letters. He and his supervisor stated it was an internally noted thing due to the XXXX crisis that they enrolled consumers in the program. He further stated the notation is in their system. The rep stated that the program was only for three months. However, this is not accurate either according to Barclays records, my credit reports, and the guidelines of the CARES Act. Per the review of my XXXX, XXXX, and XXXX credit reports, they all have the same payment information records for Barclays Bank Delaware. My last payment was " XX/XX/XXXX. '' However, from XXXX to XX/XX/XXXX, payment information was submitted to the credit bureaus " Pays as Agreed. '' My point is, regardless of whether Barclays is stating the relief program I was enrolled in was 3, 6 or 12 months. Bottom line is I was enrolled in one of their Covid-19 relief programs for accommodations. My dispute with this creditor has been that I was approved for one of theirrelief programs, I never missed a payment prior to my enrollment, and I asked the creditor to investigate, verify the accommodation and submit accurate information back to the bureaus. If my last payment was XXXX of XXXX, the question becomes who paid or deferred payments for the months XXXX through XXXX? To date, the creditors and the credit bureaus have failed to provide any adequate " reasonable investigation '' into my disputes. Challenges were last sent via electronic disputes to Barclays Bank on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX. To-date, there has been no response to my verification challenges from the credit bureaus or Barclays. Per the rights given to me under the FCRA Act, if information can not be verified it must be deleted. Another issue I am having with the creditor is their failure to mark my credit accounts appropriately. For example, under the Reinvestigation section of my credit reports, it states, " This item was updated from our processing of your dispute in XX/XX/XXXX '' However, per the conversation between Barclay rep and I XX/XX/XXXX, at that time you can hear me ask the rep when my last dispute was received? Per the rep XXXX, my last dispute was received by Barclay in XX/XX/XXXX. I have submitted several disputes since then in XXXX. To date Barclays Bank has ever acknowledged my disputes or sent any written responses. Barclays Bank 'Delaware has continued to violate my right under the Fair Credit Reporting Act? For failing to update records, failure to follow guidelines for settling disputes, furnishing, and reporting inaccurate information, failure to furnish accurate information, failing to follow proper investigation procedures, Creditors giving credit reporting agencies inaccurate financial information and withholding notices about their investigations.
05/24/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 12302	Web	Servicemember
On XX/XX/2022, there was fraudulent activity on my Barclays credit card in the amount of {$500.00} from XXXX XXXX, XXXX location XXXX CA XXXX. It was an unauthorized purchase. I immediately contacted Barclays card customer service and requested that my credit card be canceled due to fraudulent activity. I received a new credit card and the amount was credited back, however, I received a letter stating the following : " We issued a provisional credit to your account for the full disputed amount on XX/XX/2022 while we investigated this activity. We've completed the investigation and found that the activity is valid. Therefore, the provisional credit has been reversed and the amount owed has been placed back on your account. '' I called Barclays fraud department. They said that the investigation is completed, and they have received documents from the merchant ( XXXX XXXX ), which stated this transaction is valid. I have contacted XXXX XXXX, and they stated that this was fraudulent activity and they would share this information with Barclays and the police if they would like to confirm it. XXXX XXXX said they can provide the IP address and location of the person who did initiate this transaction, the name, and location where the money was received, and the name of the person who received the money : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. They give me two case numbers ( XXXX # XXXX and XXXX # XXXX ) and they said Barclays can call on ph. # XXXX or send an e-mail : to XXXX and they will be provided the full information on this fraud and they know I have nothing to do with it. Also, XXXX XXXX said Barclays never contacted them and they did not send to Barclays any information about this matter. I called Barclays and they told me to send evidence if I have any and they promised to investigate this again. I sent evidence and the AFFIDAVIT OF FRAUD CLAIMANT by fax and post mail on XX/XX/2022. There were four e-mails in my mailbox which I submitted as evidence : E-mail # 1 confirmed XXXX XXXX money transfer to XXXX XXXX XXXX ( my mother ) to XXXX with tracking number ( XXXX ) XXXX. E-mail # 2 was 10 minutes later and confirmed XXXX XXXX money transfer with tracking number ( XXXX ) XXXX was picked up by XXXX XXXX ( XXXX XXXX, XXXX XXXX, XXXX - the location was provided to me on the phone ) E-mail # 3 and e-mail # 4 show that ten minutes later another money transfer transaction was attempted and XXXX XXXX canceled the second money transfer transaction because they acknowledged there was fraudulent activity. Additionally, I have enclosed evidence of submitting this issue to : Police, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX. XXXX, XX/XX/2022, XXXX XXXX XXXX, ID XXXX, ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX - XXXX Complaint Referral Form ; Fraud.org Complaint Form ; ReportFraud.ftc.gov Consumer Report to the FTC ; XXXX Case # XXXX ( Fraud Alert ), Case # XXXX ( Dispute ) ; XXXX Case # XXXX. I did call Barclays over 6 times and always was told to wait for 7 to 10 days and then call them back. They always promise that they will investigate and they will contact XXXX XXXX. However, each time when I call them again I am told again that the investigation is completed and there is no fraudulent activities on my account, but they will investigate it again. Today, I called them again and asked them if they can call XXXX XXXX and receive confirmation from them that this was a fraud and that I did not authorize this purchase. I was told that they can not contact XXXX XXXX because they have limited availability and when I asked that I call XXXX XXXX with them on the line, the representative immediately said no and she would transfer me to another department. When she returned, she said the other investigations department can not assist and I will have to call at another time. They can not possibly determine that there was no fraudulent activity without checking on this matter with XXXX XXXX and why do they say they did receive documents from XXXX XXXX and based their investigation conclusion on it if they never contacted XXXX XXXX, according to XXXX XXXX XXXX? Barclays stated on their website that if youre a victim of a scam or fraud well refund money taken from your account that youre entitled to. Count on Barclays ' {$0.00} Fraud Liability protection. With our fraud liability coverage, you aren't responsible for unauthorized purchases made with your card that you report to us. It doesn't matter if your card is lost, stolen, or breached - online or offline - you're protected. This transaction was an unauthorized purchase, XXXX XXXX has all the information needed to conclude that it was a fraud and it was not me who did that. However, Barclays has not contacted XXXX XXXX, is not performing any investigation, and charging me this fraudulent charge and interest fee on top of it, against their statements about the guarantee of protection from liability from fraudulent activities they offer to their customers. Thank you.
10/08/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	PA 19047	Web	Servicemember
I am writing to report that one of my financial instutues- Barclay US, has wrongfully submitted information to the credit bureaus that negatively impacted my credit score. Multiple attempts and proofs that this is not correct have been submitted to them but they have not changed their position. Background : I have been using my checking account ( XXXX XXXX XXXX XXXX XXXX XXXX ) to pay for one of my credit cards ( Barclay US ) the past few months. There was an issue back in XXXX, in which I submitted a payment as I always have ; For some reason, it came back as " UNABLE TO LOCATE EXTERNAL ''. I did not get any notification after this event so I did not check back until a month later, at which point Barclay has flagged that I had an ammount past due for 30 days+. This has resulted in a significant drop in my credit score. I tried to reach out to Barclay about why it could not locate XXXX for payment. I attempted to do so but the customer service could not give me a reason, and just kept telling me to give them the full routing and account number ( which I have already done in the past ). Barclay refused to change their standing with the credit bureau on this specific report after multiple attempts. I have proof that the amount was initiated via transactions in Barclay. I sent those to XXXX and they agreed that the issue seems to be a technical one from Barclay, and not from XXXX or from me not starting the transaction. The below portion is from XXXX, I could provide the full email I got from them : " Hello XXXX, Thank you for your reply! I contacted our ACH Department for you in regards to your inquiry, as they handle all incoming and outgoing ACH transfers, deposits, and payments, and can search transactions according to amount, date, and account number to see if they were received at XXXX, why they may have been rejected, and so forth. Thanks to you providing a screenshot of your Barclay Card showing your attempted payment to Barclay for {$36.00} on XX/XX/2021, our XXXX Department searched throughout the entire month of XX/XX/2021 for that amount, or any ACH transactions that were connected to your account. No transactions for {$36.00} were requested or received by XXXX XXXX XXXX XXXX whatsoever from Barclay to your account. Even if Barclay had entered in the wrong account number for you somehow ( despite all your previous transactions to Barclay in the past going through- they have used your correct MICR number in the past, so there is no reason for us to suspect they used the wrong routing or MICR number now as you did not change that information ), XXXX would still have received that request, and would be able to see if we had denied it as well. Since there was no record of this transaction request within our ACH Department at all, the payment request was most likely never actually sent by Barclay to XXXX. This conclusion is further supported by the fact that, according to the screenshot you provided, you initiated the payment to Barclay for {$36.00} on XX/XX/2021 where it says Payment Received, but then on the same day, XX/XX/2021, it says Unable to Locate External Account. XX/XX/2021 was a Saturday. As all ACH transactions must be sent from the original institution ( Barclay ) to the Federal Reserve before they are sent on to their receiving institution ( in this case, XXXX ), and the Federal Reserve is closed on Saturdays without exception, XXXX would not have even been able to send notice back to Barclay of any rejection or account not found until Monday XX/XX/2021 at the absolute earliest. The fact that you initiated a payment with Barclay on Saturday XX/XX/2021, and the payment was rejected on the very same day, means that it could not possibly have been sent to XXXX for review at all. While we can not speak on behalf of Barclay, our ACH Department suggested that Barclay could have had a system error at that time that caused the payment to never have been sent, or some similar issue. It may be worth inquiring about with Barclay. I do sympathize with you that this has happened, and I wish there was more on our end that we could do for you. At the very least, I am glad to be able to verify with our ACH Department that XXXX never received the payment request in the first place, and that as the payment request was both requested and denied by Barclay on Saturday XX/XX/2021, it would have been impossible for XXXX to have received the payment as the Federal Reserve was closed. Hopefully this confirmation assists you with any future conversations or inquiries you have with Barclay! '' I am hoping that you could help them realize that this technical issue causes an unfair reporting on my account. Please also take into account that they are aware that my use for their card is very minimal : thirty some dollars a month to keep the account open so I can maintain a healthy credit utilization ratio. I manage thousands of dollars of credit in my name every month and I manage them well. Thanks for your time and consideration.
08/16/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TX 78589	Web	Older American
XX/XX/XXXX : My husband and I received a call from this telemarketer, met with XXXX XXXX XXXX, who promised to : Cancel the XXXX Timeshares we owned with all their maintenance yearly costs and give us XXXX points yearly starting in XXXX with RCI XXXX expanded services with $ XXXX Yearly fee. We paid {$13000.00}, which was put on XXXX new Barclay RCI Elite Mastercards, {$7000.00} for my husband and {$6100.00} for me. We paid an additional {$840.00}, billed within 30 days for the XXXX First Year Membership Fee for limited travel. ( see XXXX XXXX XXXX Enrollment Agreement ). This was paid with a separate credit card at a different time. XX/XX/XXXX : The Timeshare cancellation subcontractor, XXXX group contacted us. We paid an additional {$3900.00}, sent them our timeshares info.and were sent sample cancellation letters to sign and mail at intervals. XX/XX/XXXX apx : Timeshare for XXXX XXXX XXXX was booked through XXXX XXXX XXXX for XXXX FL XXXX XXXX XXXX value is {$2600.00} ) XX/XX/XXXX Email from XXXX XXXX- notice of contract cancellation with XXXX XXXX XXXX XX/XX/XXXX Collection Letters were received from all three timeshares XX/XX/XXXX I looked through emails, saw the RCI XXXX email cancelling XXXXXXXX XXXX XXXX , called XXXX XXXX who confirmed that I had no XXXX points to use in XXXX, was not eligible to extend the travel, and that their contract with XXXX XXXX XXXX was canceled . XX/XX/XXXX I called XXXX XXXX, spoke to XXXX XXXX, who transferred me to XXXX XXXX. I asked her about the cancellation with RCI XXXX She said they are in between Travel Agencies, but not to worry, it would be worked out with RCI shortly - it happens every 5-10 years, and it is just a matter of getting it renewed. At that point I reminded her it had already been three months and asked for a refund. She said No, if I get a refund it will have to be through my credit card. XX/XX/XXXX Called Barclay credit card and filed a dispute, faxed in the letter dated XX/XX/XXXX, a copy of the RCI Member Update email and a copy of the Trust Purchase Proposal with Options Travel. More than half of the balance had been paid off at this time, with {$6000.00} just having been paid in XX/XX/XXXX, paying off my husbands card. XX/XX/XXXX I called Barclay credit card, who sided with the telemarketer, closed the case and said it was past the time for my card. XXXX also indicated that because it was a large amount, Barclay most likely wouldnt refund it but would be willing to delete the remaining balance on my card. When the letter from Barclay came in the mail, though, Barclay had not deleted my balance. I asked to reopen the case several times, sent in copies of the complete contract, but received the same answer of no, the latest being XX/XX/XXXX XX/XX/XXXX Contacted XXXX XXXX XXXX concerning the collection letters we received and got a response that they work with another company that can repair your credit for more money. We then asked for a refund. XX/XX/XXXX Sent a copy of the contract to XXXX Bank Credit Card for a refund of the payment of {$3900.00} to XXXX XXXX XXXX, which was quickly refunded XX/XX/XXXX due to their methods. XX/XX/XXXX Received letters from Barclay credit card siding with XXXX XXXX XXXX, that The merchant has not violated the terms and conditions of the sale. XXXX XXXXXXXX XXXX sent an almost illegible document and claimed that the XXXX points for XXXX fulfilled the conditions of the {$13000.00} contract. We only received the one week vacation in XXXX valued {$2600.00} max. XX/XX/XXXX Called and emailed XXXX XXXX Bank who had sent the payments from my account to Barclay credit card and disputed the Barclay charges. After several efforts, I finally got to speak to a Manager who told me that only the credit card company or XXXX XXXX XXXX can refund the charges in this case. XX/XX/XXXX Contacted XXXX XXXX by email asking for a partial refund. She called and said no, I would have to get it from the credit card company. I sent another email detailing the partial refund requested.and asked for answer by email. She refused. XX/XX/XXXX Filed a complaint with XXXX TX, Complaint # XXXX. ftc, and Attorney General XXXX XXXX XX/XX/XXXX Received XXXX XXXX response with XXXX : now offering Interval International XXXX points for XXXX. XX/XX/XXXX I sent my response to XXXX- unacceptable. We want a refund, {$11000.00} minimum. Offering Interval International is invalid - They dont accept XXXX XXXXXXXX XXXX points. {$13000.00} is unreasonable and fraudulent for one weeks use of a timeshare. They did not set up a renewable timeshare, nor did they cancel the 3 timeshares we had legally. XX/XX/XXXX Received letter from Barclay saying the time frame is out of the limit for a dispute. However, I disputed the charge within a month of the time I paid {$6000.00} on my husbands card, and shortly after I paid {$5000.00} on my card. I feel that they have been complicit in this fraud. Thank you for any efforts you expend on our behalf to right this situation.
08/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	NJ 08054	Web
I am signed up for paper bills. I did not receive my XXXX Statement ( XX/XX/XXXX - XXXX/XXXX/XXXX ). I did not realize it until I went to pay my XXXX statement and saw that there was both an interest charge and past due balance. I pay the balance due each month so as not to have to pay interest. On XX/XX/XXXX I called Barclays XXXX XXXX XXXX XXXX and explained the situation. They reviewed my history and agreed to reverse both the interest and late fee. Although my payment was not due until XX/XX/XXXX, I asked the agent if it would be better to pay over the phone to make sure everything was resolved so I would be back to a " XXXX '' balance. She agreed and took the total balance due ( {$2100.00} ) subtracted the {$40.00} interest and {$29.00} late fee and said I owed {$2000.00} and I gave her my checking account information to pay immediately. My next statement, for XXXX ( XX/XX/XXXX - XX/XX/XXXX ) again showed an interest charge of {$30.00}, and it did show the credits for the previous interest and late fees. I called again on XX/XX/XXXX to get an explanation. The agent said it was an error and said she would reverse the fee as I should not have been charged the interest. Again, I specifically asked her what I needed to pay. The agent subtracted the {$30.00} from the statement balance of {$440.00} = {$410.00} This time, I chose to pay online so I had a clear record of payment on the website. On XX/XX/XXXX I paid {$410.00}. and assumed that NOW it would finally be all resolved. XXXX Staement arrives and AGAIN there are more interest charges for {$39.00} AND I was never given the credit the agent promised for the {$30.00}. I called again on XX/XX/XXXX and was on the phone for almost 1 1/2 hours. The first agent said that she " was not authorized to remove interest charges that high '' which made no sense since the previous agent on XXXX was able to remove over {$40.00} in interest. She transfered me to a manager named XXXX. She said that she would be able to remove the interest charges but that I had to pay the full balance due ( including BOTH the {$30.00} from XXXX and the additional charges of {$39.00} for a total of {$70.00}. XXXX. She said that " the system '' would take 2 days to issue the credit for the interest charges and since my bill was due the next day, XX/XX/XXXX, I had to pay the full amount and get the credit in the next statement. I was very upset, and XXXX continued to interrupt me and failed to understand that I did not think it was right that I would have to put out over {$70.00} now for fees that several agents had now agreed I did not deserve to be charged. Recall that part of those fees were because the agent in XXXX did not do what she said she would, so the charges were not reversed. In effect, Barclays is holding over {$70.00} of my money for a month before I actually see the credit. She continued to argue with me that I would get it back in a few days. I told her that a credit towards next month 's bill is not the same. I was paying in cash, the $ was leaving my account that day. Eventually she rudely disconnected the call without telling me, I was put in a que and XXXX, another XXXX answered the call. I went through the entire story all over again with him, my anger intensified because I had been hung up on so rudely. XXXX explained that the credits for the interest take 2 days to get issued and re-stated that I had to pay the full amount including the interest. He also informed me that there would be ADDITIONAL interest charges that would hit my account on XX/XX/XXXX even if I paid the entire amount ( including the interest charges which everyone agreed I should not be charged ) on XXXX XXXXXXXX. My understanding is that because the agent in XXXX did not do his / her job and did not reverse the charges as promised, my account is now flagged as not paying the full amount due for 2 consecutive months! I am a good customer and always pay the full amount, I never carry a balance and never have in all the years I had this account ( 5 years??? ). I was flagged due to their agent 's errors and misinformation!! He agreed but said that there was nothing he could do, that I would have to pay the amount including the unjustified charges, and call back again next month and go through this all over again! There does not appear to be an end to this! They are going to keep on charging me interest, forcing me to pay, and then MAYBE issue a refund if the agent decides to do their job. Meanwhile, they are taking my money and using it for the month and probably making money on my money!!! This is a vicious cycle happening to a good customer who has done nothing wrong and has excellent credit!! If I had truly been acccurately informed, I would have just stopped using the card until it was all fixed, but it was only the 4th agent, XXXX, that truly explained what was happening ( even though he could not/ would not fix it ). There must be a law protecting customers from this kind of activity!! Please help me!!
02/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	MA 022XX	Web	Older American
1. On XX/XX/XXXX ( post date for transaction ) I purchased an item from XXXX ( an online vendor ) for {$51.00} ( USD ) using my JetBlue Barclaycard credit card. 2. My credit card was charged immediately upon purchase which raised a red flag with me as most reputable online vendors charge the credit card upon shipment. I received an email from XXXX indicating my item would ship shortly. 3. I waited approximately 1 week and after hearing nothing I began to call and email the vendor. They never answered the phone and emails I got back indicated the item was out of stock and would ship shortly. I then began to research XXXX and discovered they are not reputable and have taken customer 's money and never shipped their items. I increased my calling and emailing and got the same story - out of stock and would ship shortly. 4. As a result of the above, I opened a dispute with Barclaycard on XXXX XXXX. They acknowledged this with a form letter stating they have referred this to a dispute specialist and that it might take up to 45 days. 5. It is now XX/XX/XXXX and I still have not been credited the {$51.00} by Barclaycard. Here are the highlights : - I provided Barclaycard with the basic information when I filed the dispute. I followed up with a phone call asking if they needed anything more. They said they did not and I would hear from them. - I called every few weeks seeking a status update. They said they had everything they needed. - In early XX/XX/XXXX Barclaycard sent a letter to my primary address dated XX/XX/XXXX. They referred to my dispute ( Case ID XXXX ) and asked me to send them a letter ( within 10 days ) stating that I was still disputing the charge and to provide them with 4 pieces of information. First- the information they were requesting I already sent them when I opened the case and they told me explicitly they did not need anything more. Second - I was traveling and away from my primary mailing address where they mailed the letter. I returned on XX/XX/XXXX and called Barclaycard about this letter. They told me I was too late ( past the 10 days ) and I needed to re-open the case as they had automatically closed it when they did not hear from me. I asked how to do this and they send to send a fax. - On XX/XX/XXXX I sent a fax to the number they told me ( XXXX ). The transmission was successful - I have the fax receipt. - I waited 2 weeks or so and called asking if they had received the fax and what the status was of having my case re-opened. I was told they were backed up in the department that receives and responds to faxes and to wait up to another month. I waited and called back in a month. They still did not show that my case had been re-opened, they reiterated the fax backup and said to wait another month. - I called again in a few weeks and they still had not re-opened the case. At this point began a series of calls and requested escalations. Regular customer support was unable to help me. - I called a Barclaycard complaint line. A woman connected me to someone else. She asked that I email the info to her directly as they could not locate my fax. On XX/XX/XXXX emailed XXXX XXXX XXXX ( XXXX ) with the very same information I faxed. She acknowledged receipt and said ( a ) my case would be re-opened and ( b ) I should expect to receive my {$51.00} credit in 2 billing cycles ( aka 2 months ). - Over this 2 month period I called Barclaycard to follow-up. I was never able to reach anyone who could give me clear answers, especially when I asked about the credit. So I requested to speak with a supervisor. I was told on two separate instances that a supervisor would call me - first within 10 business days and then within 15 business days. I never got a call, but I continued to try to get a status update. - On XX/XX/XXXX I received an email from XXXX XXXX. The name at the bottom of the email is XXXX XXXX. In summary the email states that I would not be getting a call due to the pandemic and I should await another email that would contain a link instructing me to create a unique username and password so I could then access a portal and their response. - I don't understand what the pandemic has to do with making a phone call. It also seems they are going to further delay - if they were going to credit my {$51.00} they would simply have done it. When a similar thing has occurred ( credit card charged for merchandise never received ) other credit cards have quickly credited my card. This has happened maybe 3 times in the last 20 years - I typically research vendors before placing online orders. I believe this response is per the law and that US consumers are protected from such nefarious online vendor behavior. Barclaycard does not appear to have behaved as I or any consumer would expect. The Barclaycard happens to be a JetBlue branded card. I am a XXXX XXXX member and have informed XXXX of how Barclaycard has mishandled this and adversely impacted XXXX 's brand.
11/01/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CO 80020	Web
Barclays closed my account without my permission in XX/XX/XXXX. I received a letter dated XX/XX/XXXX from Barclays claiming I owe and accusing me of prohibited activity in violation of 15 USC 1692e ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. When I attempted to call the customer service number on the letter, I was prompted to provided private personal and identifying information, which is a violation of my consumer right to privacy. I am aware that I was discriminated against for exercising my consumer rights protected by 15 USC chapter 41 in good faith when Barclays closed my account without my consent. There is a billing error regarding the nature, amount, and legal status of the account. I required documentary evidence per 15 U.S. Code 44 which I am confident will shed light on the nature of the error. From the start of the supposed business agreement, purported to be a contract, BARCLAYS BANKhas engaged in fraudulent and abusive debt collection activities, infringing on my right to privacy and undermining my faith in the banking industry and economy as a whole, rights guaranteed to every consumer. Every credit sale after XX/XX/XXXX is subject to consumers ' claims and defenses for unfair or deceptive acts or practices pursuant to 16 CFR 433.3. The credit sale I engaged in with BARCLAYS BANKis no exception. Per the definitions in 16 CFR 433.1, BARCLAYS BANKis subject to consumers ' claims and defenses by way of being a seller. I, the consumer, was never apprised of the creditor 's business arrangement with the seller at the consummation of the original credit sale. Meaningful disclosure of the determination of the finance charge was not provided pursuant to the form of disclosure enumerated in 15 U.S. Code 1632. Documentary evidence shall reveal that my obligation was fulfilled upon signing/endorsing the instrument, the beneficial and security interest of which were not disclosed to me. As defined in 16 CFR 433.1 ( i ), the instrument I endorsed is the consumer credit contract when it was hypothecated and collateralized to fund the credit sale. Many instances of noncompliance occurred when it was subsequently sold and/or assigned to multiple transferees and/or assignees without mutual assent, consent, and notice to me as I have controlling security interest, constituting fraud in multiple ways : 1. Absence of consideration ( I received a " thought '' for my security- no benefit. All contracts must have consideration to be valid ). 2. Absence of disclosure of all facts regarding the use of a promissory note and my signature, violating the U.S. Code 's Truth in Lending Act ( TILA ) and Code of Federal Regulations ' Regulation Z. 3. Absence of disclosure of data-sharing provisions in violation of the Gramm-Leach-Bliley Act ( GLBA ), without the option to decline the sharing of data with furnishers, agencies, or servicers, along with reporting. 4. Monetization of the originating instrument was not disclosed to me. I was not told about the process to monetize a security interest or the secured transactions which were to subsequently take place concerning my chattel paper. 5. Denial of disclosure of the banks relationship to the " trustee and beneficiary, '' amounting to concealment and voidance of the contract. The debenture trustee was concealed from me. 6. I have reason to believe and do so believe that there was forged alteration of the original instrument because it could not have been monetized without augmenting my blank endorsement, even via the use of a special endorsement. I am aware that I am entitled to a refund of alleged repayments and damages of at least twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being boldly, simply, and clearly disclosed to me. I was never given a rescission form at the closing of the contract. I have reason to believe and do so believe that BARCLAYS BANKis a creditor engaged in communication in violation of multiple cease and desist notices from me, and is in violation of debt collection consumer protection laws pursuant to 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' I have never given express consent to BARCLAYS BANKto communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c at large. BARCLAYS BANK has violated 15 U.S. Code 1692c ( b ) by sharing my personal private information with consumer reporting agencies. I do not give BARCLAYS BANK or any party permission to bring legal action against I, the consumer, as this is a violation of 15 USC 1692i ( b ).
08/21/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	TN 37067	Web
I am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant and was informed my dispute can not proceed. I was given a different dispute case number in each letter regarding the same dispute, so Ill provide them all in the order I received : XXXX, XXXX, and XXXX XXXX through DBO XXXX ( how it was provided in third letter ). The merchant, XXXX, operates prediction markets at XXXX The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. My dispute involves 28 transactions from XX/XX/XXXX to XX/XX/XXXXand three transactions in XX/XX/XXXX. First they said the transactions from XX/XX/XXXXto XX/XX/XXXX are too old to be disputed and the XX/XX/XXXX transactions were the only chargebacks completed. Then they said they will consider the 28 transactions ( since there are exceptions to the dispute time limits ) for dispute proceedings, but then a short time later they said vie phone call the transactions cant be disputed because the funds were loaded to an investment account and are older than 60 days while the letter I received a few days later ( only referenced the transactions from XX/XX/XXXX to XX/XX/XXXX ) stated the dispute is denied because when funds are loaded to an investment account, there are no dispute rights ( nothing about a time limit ). If this is the case, then why were the chargebacks completed for the XX/XX/XXXX transactions? I think the XX/XX/XXXX chargebacks were easy because they were within the normal time limit for chargebacks. I believe chargebacks older than 120 days require an extra step/process and they dont want to process them due to the extra work, which is the reason for receiving different excuses for the dispute being denied. I have lost over {$83000.00} on this site through deposits on seven credit cards, with {$23000.00} on Barclay MasterCard. During the month of XX/XX/XXXXalone, I have made over {$44000.00} in deposits. During the month of XX/XX/XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers, wire transfers, or XXXX. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX should not have accepted unlimited deposits and/or Barclay should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXXHome/TermsAndConditions that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the XXXX XXXX. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the XXXX XXXX will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : AG SEC {$7900.00}, COMM SEC {$2200.00}, ED SEC {$1100.00}, ENERGY SEC {$4800.00}, HHS SEC {$2500.00}, SEC DEFENSE {$1800.00}, SEC STATE {$4900.00}, SEC TREAS {$3300.00}, SEC VA {$1800.00}, TRANS SEC {$1400.00}, AMB CHINA {$1300.00}, OMB {$2100.00}, EPA ADMIN {$3000.00}, SBA {$1400.00}, WH PRESS SEC {$4900.00}, CABINET WOMEN {$2500.00}, RNC CHAIR {$1000.00}, SCOTUS {$2000.00}, and FBI DIR {$1000.00}. These add up to over {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.
08/04/2019	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MA 02038	Web
In XXXX XXXX XXXX a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by Barclay 's Bank ) Both XXXX XXXX and Barclay 's Bank failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney XXXX XXXX sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what XXXX XXXX and the numerous law firms and Attorney 's assigned to this case had been doing to me. After I was I made aware of this law suit ( by the court ) I immediately contacted XXXX XXXX and Barclay 's Bank in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. XXXX XXXX told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for XXXX XXXX to eventually disconnect my calls. I called Barclay 's Bank and they also told me my account was no longer in their system and they had no information with respect to what happened to my account. Taking a step back, XXXX XXXX filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. XXXX XXXX claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from XXXX XXXX. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from XXXX XXXX regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe XXXX XXXX has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed XXXX XXXX ( and the court ) I completely disagreed with this debt and the amount of money XXXX XXXX claimed I owed them since Barclay 's Bank had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, XXXX XXXX is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by Barclay 's Bank. I do not know or understand how XXXX XXXX came to own this account as I was making timely payments to Barclay 's Bank as recently as XXXX. I was sued by XXXX XXXX in XXXX. I never once heard from Barclay 's Bank or XXXX XXXX via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of Barclay 's Bank and XXXX XXXX. XXXX XXXX claims they own the account and Barclay 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, Barclay 's Bank and XXXX XXXX never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's XXXX XXXX has handed this case off to has been impossible. XXXX XXXX and Barclay 's Bank have stone-walled me. I have been informed XXXX XXXX is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
08/01/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OK 741XX	Web
XX/XX/2022 there was a charge on my account in the amount of {$99.00} with a company called XXXX XXXX. On XX/XX/2022 there were XXXX charges on my account for a company called XXXX XXXX. The charges were in the amount of {$47.00} and XXXX. I did not make these purchases. Both of these companies sell adult novelty items and films- I would remember if I had made these purchases. These charges are also inconsistent with other charges on my account, as all of the legitimate charges I made in that time period were for less than {$10.00} each. I began the month of XXXX with a conscious decision to decrease my spending. These XXXX fraudulent charges occurred during the time period of when my XXXX XXXX XXXX card was being transitioned from XXXX XXXX to an XXXX XXXX XXXX managed through Barclays. I called Barclays as soon as I noticed these charges to report my card as stolen and request a new one within a few days of these fraudulent charges. Im sorry I didnt write down the dates that I called Barclays , but the first call I made was around XX/XX/2022. It was very close to the dates those charges were made. Barclays did send me a new credit card and took my report that the charges would be investigated as fraudulent. I checked my account regularly and the charges were still appearing under my transactions. I also called at least once a week to ask if the charges were still being investigated. After about 6 weeks, the first fraudulent charge ( XXXX XXXX for {$99.00} ) was marked as a credit, but the other XXXX charges ( XXXX XXXX {$47.00} and {$9.00} ) are still showing on my account, despite these being reported as fraudulent at the same time. The only reason I can see that would cause this delay is that because it took so long for the fraudulent charges to be addressed, my husband called XXXX XXXX in the first part of XXXX and asked them to refund those charges. However, I never saw a refund come through so I told Barclays to continue to process the charges as fraudulent. I communicated all of this to Barclays. I did not have to make a payment in XXXX because of the account being transferred between banks, but now I am due to make a payment on XX/XX/2022 and the XXXX remaining fraudulent charges are still showing on my account. The minimum payment is {$30.00} however the legitimate charges Ive made on this account are less than {$30.00}. I suspect that Barclays is intentionally taking too long to investigate charges to continue to charge me interest. I also am hesitant to make an overpayment on my bill because I dont think they will credit me back the over payment when the fraudulent charges are finally removed. But I also dont want to make a payment less than the minimum amount due because I strongly suspect they will issue a late payment fee. Again, Im sorry I didnt keep track of how many times Ive called a Barclays to address this XXXX it its been in the realm of 12 times since I first reported the fraudulent charges. I suspect they are intentionally dragging it out because of the ineffective customer service I get at every call. Twice ( on different days, several days apart ) I have been told that I couldnt talk to the investigations department because their systems were being updated and that they would be unavailable for several hours. Two other times I was told that I would be transferred to the investigations department but the line disconnected. Another time an agent placed me on hold and when she returned to the line she spoke as if she couldnt hear me and eventually disconnect the call. On all the other calls Ive been told that the charges are still under investigation and that there was nothing else they could do. On another call an agent told me that it takes two billing cycles for fraudulent charges to come off the account, but didnt have a good answer for me when I asked why one of the charges I reported was showing as a credit but the othered werent. Finally, I called again on Wednesday XXXX XXXX and requested that the charges be marked as a credit while they are still supposedly under investigation and the agent said that could do that but it would take several days for that to reflect on my account. I checked it again today ( 5 days later ) and they are still showing. I called again today and requested that these charges be marked as a credit so I could make payment on my account based on a correct balance. This agent told me that fraudulent charges are usually resolved in 7-10 business days. When I pointed out that it has been well beyond 10 days and asked to be transferred to the investigations department, once again the line was disconnected while transferring my call. Im making this complaint with the understanding that it can take several days to address fraudulent charges but I have never had a credit card company take this long and treat a customer this poorly.
06/24/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	DE 19977	Web
Barclays credit card won't retrieve a refund for unprovided services. All details attached. Barclays bank credit card ( mastercard ) gave up on retrieving a disputed amount of {$1.00}, XXXX. XXXX from a travel agency called XXXX. Please see their final letter attached. Barclays bank is now asking me to repay all that amount, I believe I shouldnt have to pay that money, XXXX should send the refund of the money because they didnt use the money for what I paid for, as explained below. I have attached all relevant documents I have. On Friday XX/XX/, I urgently purchased a plane ticket for my daughter, XXXX XXXX from XXXX, XXXX XXXX to XXXX, urgently because the XXXX XXXX XXXX asked me to expedite the process to meet the criteria for her situation. In this case, I unintentionally paid twice with Barclays credit card around the same time to two different travel agencies, XXXX, and XXXX. Only one of the payments was received by the airline from XXXX, per airline representative. Now Im fighting to retrieve the other payment from XXXX but they keep rejecting my call and Barclays wont help either. How did this happen, all explained below. I made my first payment to XXXX XXXX through XXXX XXXX, and they gave me the booking # XXXX, ticket # XXXX ( also confirmed later by XXXX XXXX, XXXX XX/XX/ ). ( Please see attached print-out proof of payment, and if necessary, you can also confirm that with XXXX XXXXXXXX ) XXXX Some hours later after my first payment on the same dayXX/XX/XXXX, I called the same number to confirm whether the transaction had been processed successfully. This second call unfortunately, happened to be picked up by XXXX. I didnt know that this agent talking to me was from a different company. I asked him to check the status of my purchase, I gave him all my information he checked the system and said to me that it didnt process and that he can help me get a plane ticket for my daughter. I asked him if its not going to be a problem of double payment, he said not at all. Then I paid XXXX to him, name XXXX per his request. He sent me a booking # XXXX. ( Please see attached booking and payment ). He assured me that he will send the plane ticket after its been generated by the airline. Few days later, I saw on my account XXXX pending payments. XXXX XXXX representative said to me that the payment was done by XXXX XXXX, no record of XXXX. Although the XXXX cancellation window was over ( while waiting for the ticket # from them ) at that time, I still tried to reach XXXX but each time we start talking about what happened, I get disconnected ( they hung up on me ). I called Barclays bank to dispute the charges, after several back-and-forth discussion about the issue, they said I must write a formal letter to dispute the charge. Barclays bank, also decided to send me a new replacement card to avoid or mitigate any fraud. That is why the attached receipt shows the previous credit card instead of the current card number. On XX/XX/ I wrote a letter to Barclays bank XXXX department to file a dispute. During my follow up calls to the bank, they assured me that they will do everything in their power to retrieve the money back but on XX/XX/, I received a letter datedXX/XX/XXXX from the bank stating that they couldnt help me with this matter, adding that the XXXX will remain on my credit balance to pay back the money to them. On Monday XX/XX/, I called the bank and talked to XXXX XXXX, he reinstated that I am responsible for the money because of insufficient proof of contract and cancellation. During our phone conversation with XXXX, I asked if I did anything wrong by paying before service, he said, No. I added that for all online transactions, everybody pays first before service. If the product is not received or if the service is not provided, then a refund must be made. I said this is the expected role of the bank to make sure that the refund is processed back to their clients account. I added that I XXXX for XXXX made a payment, let him provide a proof/receipt of payment to XXXX XXXX XXXX XXXX XXXX agreed with me on that explanation and my expectation from them, but he still says I must pay the money back. Before the end of our phone conversation, I requested him to send me my bill of rights indicating where to file a report, and he promised to do so. At this time as XXXX writing, indeed, the money currently reflects on my XXXX account, XXXX XXXX failed to supply the information I need for my next step. I XXXX around and discovered that you can help in this situation. I need your help in this matter, please, please, please, because XXXX cant XXXX how long it will take me to repay all this additional {$1800.00} plus interest. I already owe them over {$10000.00}. Please help me. You are my only remaining hope to rescue me. XXXX XXXX bless you at your job, everyday.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA XXXXX	Web
Hello, I have a Barclaycard Credit card. I have had this card since XXXX and have always made my payments. My monthly payment is usually only about $ XXXX however I always pay several times more than the minimum amount for example 2, 3, or {$400.00} or more. Around XXXX of XXXX I went on line to make my scheduled monthly payment and noticed in my payment history section of their website were it listed all my prior payments it stated " You have no scheduled payment at this time ''. I was surprised to see this as I never noticed it before, but assumed it was just that, I had just never noticed it, and it was stated due to my always paying many times over what the monthly payment due for the prior month was so therefor I was covered on a number of many or at least as it stated that months due payment. Because the holidays had just past I thought well, that's great, I think I will take advantage of it that month and pay a bit more to a debt with a higher balance. Despite becoming a customer in XXXX and it having been in XXXX a customer for over 4 years my credit limit was only {$700.00}. This is the limit I was given when I received the card and it had never increased in 4 years, despite my excellent history with them. It wouldn't be till many months later I would see that they had reported a past 30 days late payment reported to the credit bureaus dropping my credit score by over XXXX points! I have documents I will attach of the letter received, photos of the section on their website that if you look at the date is the XXXX of the month ( I used XXXX as example ) you will see were it states, " no payment due '' yet on their other payment page it has the actual amount and date which if you look is the same date XX/XX/XXXX stating a payment due no later than that day. This is a problem that needs to be corrected and I will assume it is not intentional and will be corrected as well. I have been trying to correct this since. I called several times, spoke with many customer service reps who stated it was an error and they would be correcting it on my credit reports by the next reporting cycle. This still has not been corrected, despite further multiple calls, continued disputes with Barclay and with each individual major credit bureaus. Barclaycard also at the time they made their incorrect report lowered my available credit line to {$500.00}. I am disgusted with the way this credit card has treated me especially as I am an excellent customer. By Barclay not rewarding periodic increases in my available credit as deserved it is most likely reflected as a negative on my report. Due to being an excellent customer my credit limit should reflect this regardless of whether i use the available credit or not. Due to Barclaycard leaving my available balance at such a low level if I use the card it will always reflect my usage level, which we know effects our scores, even if charging only {$250.00} or more as being over 50 % usage! I find this to be very unfair & a deceptive practice. When I initially applied for this card it did not say anything about them not rising available credit with the proper and responsible use of their credit card, in fact I applied for their card only after recieving an offer to transfer balances from other cards I may of had which had higher APR than they did and this was the reason I applied. After writing down the balances I wanted transferred in my application I expected this to be what I received but it was not, I did not received a card able to handle any balance transfer but this card i speak of with this minimum available limit of only {$700.00} and now down to {$500.00} for the error they made, how quickly and eager they were to lower this. After calling Barclaycard again I finally received a written letter via postal mail were Barclay card has again but now in writing has agreed to correct this error and again I do not see this correction reflected on any of the three credit bureaus. I also am calling for the increase of my credit score by at least the XXXX points that were subtracted from it when this error was reported. This is very very important!! As I am sure Barclay will agree, what is the point of corrected this error if they do not correct the reaction to the report of a fall in my score that occurred after they made this wrong report. I also would like my available to credit limit effected at the time to be corrected and if they would care to show good business faith maybe this is the time they could give a increase that one would deserve who has been such an outstanding responsible customer. I think this is not much to ask for and after the time spent and trouble caused by this mistake it is the least they could do and would rectify this issue greatly, and I deserve it. Respectfully, XXXX XXXX
10/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 94103	Web
On XX/XX/XXXX I checked my wife and I 's XXXX Visa card account through online banking. It stated that there were suspected fraudulent transactions on our account and advised us to call in. I called the number provided and spoke to a Barclays representative. She identified several charges that were believed to be fraudulent. I advised that neither I nor my wife had made those charges and she stated they would remove the charges and close my card and send a replacement. She asked about some additional charges, but I stated that I couldn't be sure which ones were legitimate versus which ones were fraudulent because my wife and I were both using our cards at the time and my wife was traveling so not immediately available to review with. She said that would be no problem and advised me to simply call back with a full list of the fraudulent charges. On Monday XX/XX/XXXX I called back and provided the full list of fraudulent charges listed below. I was advised that they would be investigated. I did not think there would be any issues getting the charges removed since Barclays had contacted us and knew there was fraud on the account. Fraudulent Charges : XX/XX/XXXX XXXX - XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX 'S XXXX DEBIT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX DEBIT XXXX I learned later that week that I was the victim of widespread identity theft, with multiple accounts opened in my name and multiple other applications submitted that I was able to catch before they were opened. However, I am not sure if this is related to the fraudulent charges. On Tuesday XX/XX/XXXX I received a call from a Barclays representative. They asked me if I had been in possession of the card when the fraud occurred. I responded that I had been. As far as I know the card was never out of my possession. Based on that response the representative advised that the majority of the charges would be denied and we would be fully responsible. The representative advised that because these were 'chip ' transactions they could not be fraudulent. We subsequently received a letter dated XX/XX/XXXX from Barclay stating : " This will confirm our discussion that your fraud claim has been denied on your XXXX account. As a result, you remain responsible for payment of the disputed amount as well as any applicable associated fees and finance charges, in accordance with the terms of the Cardmember Agreement ... '' Below are links to multiple articles stating that fraud is still possible with chip cards and chip transactions specifically. I do not believe the fact that the fraudulent chip transactions were made while the card was in my possession is sufficient evidence to deny outright and feel that this policy is unjust and predatory. I do not know exactly how these transactions occurred, I am not a fraud expert, I only know that they were not made by either my wife, myself, or anyone known to us, and as such we should not be responsible. I also note that there are at least 20 other CFPB complaints outlining the same issue, so apparently we are not the only victims of this type of fraud. Articles stating that fraud is still possible with chip transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After this conversation my wife and I filed a police report ( a copy of the report is attached ). At the time the officer advised they would likely not be able to catch the perpetrator of the fraud. On XX/XX/XXXX, on advice of a Barclay representative, we contacted the vendor of one of the fraudulent charges - XXXX. Over the phone the representative XXXX XXXX ( called XX/XX/XXXX @ XXXX ) advised that the transaction was completed by a XXXX XXXX. This person is not known to either my wife or myself. This is further evidence that either - the assertion that it is impossible for chip transactions to be fraudulent if the card was in my possession is false OR Barclays system is incorrectly showing transactions as chip transactions that were not chip transactions. In either case I believe I have provided sufficient evidence from what is available to me for the identified fraudulent charges to be refunded based on the laws limiting consumer liability for fraudulent credit card purchases. Based on this evidence I ask that the all of the transactions listed ( total {$770.00} ) be removed from our account as the fraudulent charges they are. In the past calendar year my wife and I have spent $ 68,000+ dollars on this account. The suggestion that we would attempt to fraud Barclays out of {$770.00} defies logic.
08/02/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NY 110XX	Web	Servicemember
I have attached these 3 letters : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Barclays Bank XXXX XXXX XXXX. XXXX XXXX NY XXXX Dear XXXX XXXX : I have enclosed copies of the following : XXXX. Letter dated XX/XX/2022 to Barclayss Dispute Department in regards to Dispute # : XXXX to dispute {$190.00} charge made to my credit card on XX/XX/2022. 2. Letter dated XX/XX/2022 to Barclayss Dispute Department in regards to Dispute # : XXXX giving my husband permission to inquire about this dispute. I have called Barclays Dispute Department at XXXX the following XXXX times in regards to Dispute # : XXXX : XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX XXXX. XX/XX/2022 : Spoke with XXXX in the XXXX All five of these employees are supervisors. All XXXX of these supervisors promised to resolve my problem clearly documented in my XX/XX/2022 enclosed letter. All five of these supervisors promised they would contact me within five business days to follow up on the status, I never heard back from one. Barclays needs to take a careful look at their operations in XXXX, XXXX. Disputes need to be resolved in a timely manner. This is not only unacceptable, but it is completely unprofessional. I have wasted over 10+ hours of my time disputing this charge. In additional to the {$190.00} dispute refund I expect to receive very soon, I expect Barclays to go above and beyond for my time wasted. Since this dispute is on my Barclays Wyndham Business credit card, I would like for Barclays to deposit XXXX Wyndham bonus points into my XXXX account # : XXXX. If you have any questions, please call me at XXXX. Thank you for your help and time. I look forward to hearing from you soon. Sincerely, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Credit Card # : XXXX Barclays Dispute Department Fax # : XXXX Dispute # : XXXX To Whom it May Concern : Today I spoke with XXXX XXXXhe supervisor in Barclays Dispute Department at XXXX. XXXX advised me to fax this document to give my husband, XXXX XXXX XXXX, authorization to inquire about this dispute and ALL other matters in regard to my Barclays Wyndham Business Credit Card # : XXXX. Thank you, XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Credit Card # : XXXX XXXX XXXX Department Fax # : XXXX Dispute # : XXXX To Whom it May Concern : XXXX XXXX Department Today I spoke with XXXX in Barclays Dispute Department at XXXX. I told XXXX in Barclays Dispute Department about the letter I received from Barclays Dispute Department. The letter told me that Barclays Dispute Department can not help me until I return the item. I have called XXXX XXXX XXXX XXXX XXXX times asking to return the item. Since the item did not work, I expect XXXX XXXX XXXX XXXX to pay for the return shipping. I will not pay for the returned shipping on an item that does not work. XXXX in your Dispute Department asked me to fax this letter to XXXX to dispute the {$190.00} charge again to XXXX XXXX, XXXX made on XX/XX/2022. XXXX asked to include everything in my original dispute along with any updated information : - XX/XX/2022 - Placed order # XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX for {$190.00} on my Barclays Wyndham Business Credit Card # : XXXX - XX/XX/2022 - Received order, pump did not work - XX/XX/2022 - Called XXXX XXXX, XXXX, spoke to the owner XXXX, at XXXX. Explained to XXXX the pump did not work. XXXX walked me through troubleshooting the pump, so I worked with XXXX on trying to fix pump. Pump still did not work, so I asked XXXX to please send me a new one. XXXX called me a XXXX twice during call, and he called me a XXXX once. XXXX was extremely unprofessional. - XX/XX/2022 - Received replacement pump. Replacement pump does not work. - XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX. - XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX. - XX/XX/2022 - I called XXXX XXXX XXXX XXXX at XXXX and left a detailed message to please call me at XXXX or email me at XXXX. It has been a month, and I have not heard from XXXX XXXX XXXX XXXX, unacceptable. I need Barclays Dispute Department help. I would like a full {$190.00} refund on my XXXX ending in XXXX, so please dispute this charge again. If XXXX XXXX XXXX XXXX wants me to return the item, then I expect for them to pay for the return shipping. Please let me know if you need any additional information. Thank you for your help and time, I look forward to hearing from you soon, XXXX XXXX
04/23/2019	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CO XXXXX	Web
On XX/XX/2019, I was a victim of the XXXX/XXXX Card Phishing Fraud Scam. I was scammed into purchasing these cards as a help to XXXX. I immediately called the Barkclays/XXXX XXXX Master Card ( within hours of realizing I was a victim of this Fraud ) and told them to take the charges for these Cards off my credit card, as I was a fraud victim, and they now refuse to do so. On the afternoon of XX/XX/XXXX, I was called by XXXX, XXXX. The number calling ( see attachment 1 ) had XXXX logo and its telephone number. I was particularly comfortable answering this call ( as I rarely do an unknown call ) because I have been working with XXXX for a business I have started. This was a very sophisticated impersonation of XXXX as they had a calling center in the background with XXXX representatives answering questions. The woman from XXXX proceeded to tell me my XXXX Devices had been hacked and the worst thing she told me was there was XXXX XXXX on my devices which she of course told me was illegal. This so terrified me because I am a recently divorced single mother who has just opened my own business in order to support myself and my XXXX children and I couldnt imagine the ramifications of having this on my devices to myself and the business even if it was through hackers. The woman then asked about my XXXX computer, and again through an elaborate ruse of trying to have me correct the problem got herself onto my computer by asking to remotely join me on my computer. She convinced me, after letting me watch her actions on my computer, that there was only one way for XXXX to combat these codes that had been put on my computer. That was for XXXX to buy, through me, these cards which had codes on them. She assured me XXXX would reimburse me for any purchase I made for these cards but that these cards with codes on the back had to come from me. I then purchased them from various places using my Barkley credit card. ( see attachment 2 ) After every purchase I received a copy of XXXX reimbursements ( see attachment 3. ) I do not have every copy of the reimbursements because the Sheriff has some. Of course I was not buying anything in my mind-just helping XXXX. I then hung up due to my obligations with my children. After talking to my ex-husband he told me I was a victim of fraud and to call XXXX and my credit card which I did. XXXX confirmed this fraud/scam as they have known about it. In addition they told me that the information I received from the XXXX woman like telephone #, home page, XXXX Corporate Address, etc. was stolen from them. ( see attachment 4 ). On XXXX advice I called the Sheriff of my county and they came to my house ( See attachment 5 ) and later rendered their report stating I was a victim of fraud. They confirmed I should call my XXXX Card telling them not to honor those purchases because I was a victim of fraud. I told them I had already called the credit card company and done just that. Now my Barkclays/XXXX Master Card refuses to take {$9000.00} of charges off my card because they say I was not frauded and was a willing participant as well as that they had text messaged me once at XXXX XXXX on XX/XX/XXXX ( see attachment 6 ). In that text they asked me if the charge was valid and I replied it was because I was helping XXXX and was being reimbursed. That text didnt tell me I could be a victim of the XXXX/XXXX Card scam although they well knew about it. This was a card I never used so the buying of that many XXXX Cards should have alerted them to the Card scam in and of itself. They also never asked why I was making such purchases and I believe had they done so, I would have told them about my dealings with XXXX. Also attached ( see attachment 7 ) are copies of the correspondence my attorney ( who is luckily for me my father ) sent Master Card. He had to correspond with them twice because they would not talk to him without my Power of Attorney, and claimed after he sent his first Fax that he was not a real attorney as evidenced by the Power of Attorney I signed being allegedly inadequate. Finally, my father determined that while they had received the two faxes they had never read either. This was confirmed more than once to him including when he last contacted them. On that occasion, which was yesterday, XX/XX/XXXX, they claimed I had no recourse based on the false assertion provided above, and owed them {$9000.00} in card charges. Yesterday I closed my account with them, and I filed with the 3 credit agencies my dispute of these charges. I want Master Card to remove these fraudulent charges from my prior account with them. They have a duty to do so because I was a victim of fraud and they should have protected me. XXXX XXXX
05/09/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MO 63017	Web
For the last year I have been getting calls, emails, text messages, and also have had fraud occur where someone has opened two credit cards within 2 days of each other in XX/XX/XXXX? They charged over {$3000.00} on each of these cards, they have been remotely hacking all of my devices despite the fact that I have every security feature on them, have had to change all of them 3 times this past year, and had to change my phone number 3 times as well. In XX/XX/XXXX on the XXXX I recieved a text alert telling me that someone had gone into a XXXX store and charge {$150.00} on my card through the app on my phone, in XX/XX/XXXXthey used a bank card of mine at an XXXX XXXX XXXX XXXX in XXXX ( Neither of these places to I reside or have visited ). Then I began receiving text messages from them, next started the phone calls from someone claiming to go by the name of XXXX trying to con me into the XXXX card scam, they would call from a XXXX number and a XXXX XXXX number every time I blocked the number they would call from another despite being told several times that my number at the time was on the do not call list and I asked them to stop calling me yet they continued to, and then they started calling me using profanities, I then started receiving emails from XXXX XXXX XXXX saying I owed them money for a loan which I have never had with them, every email they sent stated a different amount that i supposedly owed them and telling me that if I did not send x amount of money by such a time that day via a XXXX XXXX that they would put a warrant out for my arrest and contact my employer ( I have kept all emails they have sent me ). Then just recently I received a letter from an old bank account stating that this same company XXXX XXXX XXXX had filed a complaint with the courts and that they had put a freeze on that account in order to garnish money for this supposed loan I have never had. I recently put a credit fraud report on my credit report because someone keeps trying to get loans in my name, I was even notified by paypal that these people somehow had been able to obtain my paypal account info and was trying to take out money via an atm, we changed my password and had a new card sent out however this is the third time in the last year this has occurred. Now they keep contacting me threw a local phone number and again I block it and they continue to call me from another number up to 20 times a day, today I recieved a call from a local number and they were trying to tell me my credit card apr was now approved to be lowered to ( x % ) and then they started telling me you have more then {$2500.00} in credit card debt right and I said no what are you talking about, long story short when the man on the phone could not get the info he wanted out of me and I told him to not contact me again his response was take your credit cards and XXXX XXXX XXXX XXXX XXXX ) he then hung up. Last week I recieved constant calls from a number that was showing it was from XXXX XXXX and then after they would call the number would change and stated it was from another country. I answered several times and each time told them to not contact me and blocked the number yet they continued to call me all day using different numbers and when I answered their last call I told them that I was reporting this to my local police and blocking their numbers their response was go ahead were going to just keep calling you! And as if that is not enough I am constantly on a daily basis receiving these robot calls, text messages about pre-qualifying for a loan, and I even recently had to change my number because someone ( and I have the persons complete information along with the saved text messages ) they had bought a XXXX pre-paid phone and somehow they were using my number to text their friends who would respond back all through my phone when I tried to block them it wouldnt allow me to so I confronted them and told them I would be handing this over to local authorities to which they replied well just block our number and when I said that whatever they were doing they had it so I could not do that and I was giving them one hour to change that before I went to authorities, amazingly all of a sudden I was able to block the number. So i kept all texts as proof and went to XXXX XXXX XXXX showed them and had my number changed. I also have confirmed that I was one of the people whos information was compromised by the whole XXXX thing, and over the last 5 years I have had to have bank cards changed multiple times because I received notice from the bank ( XXXX XXXX ) who I was banking with at the time that twice my information had been compromised by a company I used my bank card at.
11/01/2017	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92887	Web
On XXXX XXXX, XXXX, we rented a trailer through an online website called XXXX. We rented the trailer from XXXX XXXX and were charged {$2400.00} for the trailer rental and {$360.00} for trailer insurance ( required ). We picked up the trailer in XXXX XXXX and traveled XXXX miles to XXXX XXXX, Oregon which we received approval from the owner. When we arrived in Oregon, we discovered several significant problems including a broken water pump so there was no running water for the shower/bathroom/sink, a damaged circuit breaker resulting in limited/no power within the trailer, previous undercarriage rust which apparently caused a broken shackle on the axle making the trailer un towable, un serviced brakes and other owner negligent maintenance problems just to name a few. On XXXX XXXX, the trailer was so damaged from owner negligence PRIOR to renting that the trailer was unusable and had to be towed to a trailer repair shop almost 100 miles away at our expense to XXXX XXXX XXXX XXXX in XXXX, ID ( invoice attached ). The axel literally shredded on the way to the repair shop on the highway which could have caused serious injury or death. We were stranded in XXXX, ID and paid for 2 days in hotel expenses which we also requested be reimbursed from the owner of the trailer but were denied entirely. On XXXX XXXX, after the axel was repaired, the trailer was still in such severe damaged condition due to obviously years of owner negligence that both the XXXX XXXX XXXX owner who handles all repairs for the US Forest Services nationally and our 2 drivers who are both XXXX XXXX Fire Department concluded the trailer was not road worthy and too dangerous to tow. In addition, this trailer was also not certified for road usage based on CHP requirements, making it illegal and unsafe to tow or use. Prior and during the repairs, we requested multiple times with the owner directly that they credit our expenses ( hotel/food/time ) and allow us to return the trailer immediately upon the axel repair as it was unusable and damaged. The owner not only denied any credits but also verbally assaulted and threatened both XXXX drivers on multiple calls that he was going to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX finished the repair on XXXX XXXX and we drove the trailer 1,100 miles back to XXXX XXXX and returned the trailer on XXXX XXXX. On XXXX XXXX, we emailed XXXX and on each of the following subsequent dates requesting a full credit and resolution. We also attempted to resolve our claim and called XXXX customer service 15 times but were unsuccessful to reach anyone to discuss or resolve our claim. XXXX refused to respond with any resolution to each of the following emails which are attached for your review ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On XXXX XXXX, XXXX, we filed a dispute with XXXX requesting a full credit of all charges. On XXXX, XXXX, XXXX, we received a response which was merely the owner of the trailer denying our refund requests, further denying there were any problems with the trailer. We have attached the repair invoice from XXXX XXXX XXXX confirming the repairs completed just from the axel damage. None of the other necessary repairs were completed stemming from the owner neglecting maintenance and rust resulting in illegal road worthy conditions for the trailer. Ultimately all XXXX did to attempt to resolve our dispute/claim was email the owner of the rental trailer our complaint and ask them if they would they consider refunding any/all of the rental. Of course the owner denied the claim. XXXX never offered any other resolution. Let me remind everyone that in addition to the damaged condition of the rental trailer, the mere act of renting or selling a vehicle or trailer thats not certified or road worthy without disclosure is considered a criminal offense. After being denied any refunds by XXXX, I contacted my XXXX XXXX XXXX XXXX XXXX XXXX and opened a dispute for the same charges. The dispute was denied for the cancellation/refund policy agreed to when making the purchase. Unfortunately, we are unable to override the merchants cancelation policy. ( XXXX XXXX dispute letter attached ) The trailer was damaged and un-usable and therefore had to be returned early. Had we know the severity of the trailer damage prior, we would have opted not to rent the trailer. XXXX cancellation policy is null in void when you receive damaged, unsafe products/good which is exactly what occurred. Im requesting a full refund of both charges as the trailer was damaged and had to be returned early. The charges are ; XXXX - {$2400.00}, Rental - {$360.00} XXXX regards, XXXX XXXX XXXX XXXXXXXXXXXX
10/22/2020	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	NC 282XX	Web
I was falsely charged a total of {$900.00} plus the interest that is currently accruing. Below is the letter that I sent to Barclays for my XXXX XXXX. The only way I can contact them to complain about an incorrect charge is to send in a snail mail letter. I sent in a letter the first time just circling my statement mischarges thinking that was enough for an investigation and a phone call to me. However, that claim was denied. And so I mailed in another letter and have now not heard back in over a month. When I called to check on my second letter I was hung up on or disconnected after waiting on hold for 30 mins. Also, I have a XXXX credit rating and have no history of bad credit. 2nd letter as follows : First of all, let me tell you that I am in despair over this and can not afford to lose {$1000.00}, in reality, losing this amount of money will affect whether or not I can travel to visit my family during the XXXX ( all because of an ATM glitch ). I am not someone who can afford to just not fight this. And I only travel with and use this card because it is supposed to protect me from situations like this. Recap : I am writing in a second attempt to dispute 2 charges that were incurred to me wrongly. I traveled to XXXX this XX/XX/XXXX XXXX and took my XXXX credit card into the XXXX XXXX in XXXX XXXX, to make sure that I went to a legitimate bank with a legit ATM to withdraw pesos.. Precisely to make sure that I did not go to a sketchy ATM on the street or one that charged exorbitant fees. On the XXXX of XXXX I put my card into the machine and entered my pin number. The machine read the card chip and I entered to make a withdrawal in pesos, which amounted to $ XXXXusd. The machine displayed a spinning circle on the screen after it accepted my withdrawal and then said incomplete transaction, would you like to try again? I then entered my pin again and attempted to try again to make the withdrawal in pesos and the same thing happened. The ATM displayed an error message and I received NO pesos with either attempt. This resulted in 2 charges to my AA credit card that I am disputing. I did not go to the XXXX XXXX to complain because I figured this was just an incompatibility and I had no indication that I would actually be charged twice on this card if I didnt actually receive any money, of course. I do not have a receipt for the transaction ( s ) but I do know for a fact that I never received any money from a XXXX ATM in XXXX in XXXX of XXXX. My assumption was that the ATM was out of money or there was another ATM issue causing me no receive the error message and to NOT receive the pesos requested and therefore I did not go to the XXXX XXXX to complain. My XXXX statement clearly shows that on the same day, I received XXXX from a XXXX ATM ( which was located across the street and I successfully used immediately following the 2 failed attempts with the Santander ATM ). My initial request was denied citing that my chip was read by the XXXX XXXX ATM. I am not denying that the ATM read my chip ; I am denying that Barclay released money to the XXXX ATM resulting in the failed attempt to receive money from the XXXX ATM. I am requesting for a second time that I receive a full refund for the following charges : 1. my first attempt to withdraw pesos- {$420.00} 2. my second attempt to withdraw pesos- {$420.00} 3. transaction fee associated with my first attempt to withdraw pesos- {$21.00} 4. transaction fee associated with my second attempt to withdraw pesos- {$21.00} 5. all interest accrued to my account for not paying these incorrect charges - {$14.00} My first dispute on this was denied, I am now including this receipt of proof of my experience. I did not understand this and would expect to see proof of your transaction with the XXXX XXXX saying that they gave me the funds if this would be denied again. I expect this to be looked at more closely this time and expect a full refund for the above charges to rectify this situation. If I am to be denied again, I expect to see proof that shows that funds left Barclay and were received by XXXX XXXX for the exact amounts described above on the dates in question. In that case, my case would need to be pursued with XXXX. I assure you that I am not taking these charges lightly and that I will pursue this case until it is solved fairly. I look forward to your response. Please dont hesitate to reach out to me if there is anything I can do to help clarify. My cell phone is XXXX and my email is XXXX. Thank you, XXXX XXXX XXXX Barclay customer since XXXX ( I then attached the bank statements below this letter showing the mischarges )
11/12/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Unexpected increase in interest rate	KS 670XX	Web	Servicemember
On XX/XX/XXXX, I opened a XXXX XXXX XXXX account with XXXX XXXX XXXX that offered a fixed rate of about 4.5-5 %. I used and held this card until the present day. I still have the card but it is no longer with XXXX XXXX XXXX, no longer a fixed rate, and currently a variable rate at 8.24 %. The credit card account is now held by Barclaycard, is an XXXX XXXX MasterCard, and is a variable rate based on the Prime. I am uncertain when the fixed rate became a variable rate and have not been provided any details as to who made this change, when it happened, or why. Although I still hold the card, I have not used this card in years. The balance is based on purchases made when it was set at a fixed rate, however, I am charged higher fees on money that was originally borrowed on a fixed rate. I have never defaulted on any payments, have always paid my balance on time, and have always paid the minimum rate or more. At some point, Barclay Bank took over my account. I called Barclay Bank in XX/XX/XXXX to ask when my terms and conditions changed with regards to my fixed rate and became a variable APR card as I noticed a significant increase in my percentage rate, and it was continuing to rise. The rate was 6.24 % on XX/XX/XXXX, then in XX/XX/XXXX became 7.24 %. The XXXX phone call notes state that a request was sent for the information of my terms and conditions that would help explain this change, but I do not recall receiving the information. I called again on XX/XX/XXXX to see about lowering my APR as it was continuing to slowly increase and to try to question again why and when the ori