BARCLAYS BANK DELAWARE

2018-02-21

Mount Holly, OH

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: Barclay Credit Card Company charge me a {$37.00} late fee even though they received the payment on the due date. The payment was sent by my bank through electronic banking on XX/XX/XXXX it was due on XX/XX/XXXX and the Barclay Credit Card Company representative informed me they need an extra 24 to 48 hours to process a payment and that even though it was sieved on the XX/XX/XXXX there's still a late fee because they have not had time to process it. They review the account and confirmed they had received it on due date and said they would waive and reverse the {$37.00} late fee on the next bill, due to that fact ... then I was a week later receiving this letter stating that they improperly reported it to the credit bureau and lowered my credit standing along with my credit line. I have never missed a payment with them, payment has always been made on time on the due date for several years since I've had the card. They are now charging customers late fees even if they received the payment on the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-21

Hampton, VA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: I am trying to link my Barclays us account with XXXX but Barclays is blocking and will not let me transfer funds.i also am not able to receive a debit card in the states either. Barclays is not a good bank to have if you live in the states.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-21

Magnolia, TX

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: 0n XX/XX/ XXXX which is Barclaycard at XXXX XXXX thn at XXXX XXXX XXXX at XXXX XXXX thn at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX ; XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/ XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX this happen everday just like the previous days, calling my phone harrassing me, calling up to 4 times in one day ... everyday
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-21

New Bedford, MA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I purchased a program from a company called life solutions, I put a down payment on {$6000.00} on XX/XX/XXXX. After reviewing the program for two days I decided I wanted to return it. Contacting the company I only got voicemails from three different departments and left each a voicemail. I tried calling on numerous occasions with no reply. XXXX from the coaching program reached out to me about a live event and while I had her on the phone I told her I wanted to be removed from the program, she made a note in the system. I tried to reach life solutions again on XX/XX/XXXX and again only voicemails. I was notified by email on the XXXX that Barclay card paid them an additional {$6000.00}. The credit limit on my card is {$10000.00}, Barclay, without my permission exceeded my account limit and put the charge through. I filed a dispute with Barclay. I am still leaving messages for the accounting department and sent an email to XXXX at XXXX XXXX but know one responds, no responds from customer service either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-21

Cocoa, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: XX/XX/2017 XXXX XXXX points purchased XXXX XXXX XXXX XXXX XX/XX/2017 Purchase price {$4000.00} We were told the XXXX Sampler points would be applied to any new purchase because it is an investment and would be considered equity that would be credited toward the purchase of annual points. However, when we did purchase XXXX points, only XXXX of the XXXX were transferred over. We had not used any of those points we had paid for. The {$4000.00} we paid for the XXXX was not credited toward the purchase of XXXX points. The XXXX XXXX presentation lasted from XXXX XXXX till XXXX XXXX. We did not sign the contract until XXXX XXXX at night. We were rushed through the paperwork They would not give us our license back when we left for lunch. Even the manager would not give us back our license. My wife felt like she was going to pass out because she was XXXX, but they would not let us leave. Her XXXX XXXX was down. We purchased XXXX annual points at XXXX XXXX, XXXX XX/XX/2017 Purchase price {$15000.00} Amount financed {$12000.00} Sales agent XXXX XXXX XXXX, Director of Sales XXXX XXXX was the highest person there XXXX was QA They ran two Barclay cards for two joint applications. We only wanted one Barclaycard. We were told if we opened a Barclaycard we would never have to pay maintenance fees. We were also told points can be converted to dollars to pay maintenance fees because fees will go up 10 % every year and the inflation on the fees wont match our fixed income. We have learned you would have to charge {$100000.00} in a year to pay a {$1000.00} maintenance fee. We told them we dont have the money. They said if you cant pay this we will put it on a Barclaycard. Your points are now equal to a dollar value. We were told the new thing is that all your points are worth money so it doesnt matter if you cant afford it. The points will go up in value. We could not use our next stay at XXXX XXXX XXXX booked. We had to check out early. We were told once we were an owner, our room would be automatically upgraded, but the room was too small and was not upgraded. When we looked into selling points we learned there is no value. I am on XXXX, medically XXXX VA XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX On food stamps
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-21

Norman, OK

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-02-20

Chestnut Rdg, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-02-20

Pikeville, NC

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: We would have never bought the first XXXX XXXX points, which we could afford, knowing it was worthless. Buying an addition XXXX points, only because we were deceived, is unethical and fraudulent. We want a refund for both the purchase of XXXX and XXXX points due to deceptive sales practices by XXXX sales agents XXXX XXXX and XXXX XXXX. We were deceived into buying the XXXX points because they are too few to travel with a family of XXXX, as the second XXXX sales agent XXXX XXXX informed us. She was correct because we can not find any availability for a family of XXXX in the XXXX which is where we specifically said we wanted to travel. XXXX points purchased XXXX XXXX XXXX XX/XX/XXXX in Florida Purchase Price : {$20000.00} Sales agent : XXXX XXXX ( Commission Number XXXX Down Payment : {$6300.00} charged to our XXXX credit card A Barclay was opened for the second purchase. Barclay did not sell the points, but members do not know who their lender is because XXXX services the loan, and you cant select a timeshare company from the CFPB drop down menu. I believe this is by design to prevent complaints and to allow Barclay, fully aware of the volume of complaints, to dismiss the complaint. At the second presentation we attended after buying XXXX points, we were told the XXXX points we purchased were worthless. We had our XXXX kids with us when we bought XXXX points. The agent knew we needed a unit big enough for XXXX children. We were held for seven hours. They put our kids in a room to watch TV, but after a while they were miserable. We were tricked into buying XXXX and then XXXX points. At the time we purchased the XXXX points, we were never showed what resorts were available at XXXX points because sales agent XXXX XXXX said the system was down. Her supervisor assured us XXXX points would be enough to stay in the XXXX. Staying in the XXXX was why we purchased the points. I tried to access the site but the site was inactive until after the rescission period. We were being charged a one-time assessment fee. We have no idea what the special assessment is for. ( Note : As of XX/XX/XXXX the $ {$4000.00} assessment was reduced to {$2600.00} XXXX. XX/XX/XXXX we attended an Event of a Lifetime At the XXXX presentation, purchased XXXX additional points. Attended new member orientation at XXXX XXXX Sales agent name : XXXX XXXX ID # XXXX XXXX XXXX said she didnt know how we could have purchased XXXX points because the minimum is XXXX as directed by XXXX that bought XXXX and we said we could not afford any more than the XXXX we already owned. In the XXXX XXXX XXXX, ( which no one would have time to read after a seven hour presentation, told you can not take the contract to review as you have to buy right then ) it says the minimum number to purchase is XXXX. This was another lie. {$3500.00} was charged to a Barclay card {$5100.00} on a XXXX XXXX card. Both charges have been disputed. XXXX points purchased Purchase price : {$43000.00} Down Payment : {$8600.00} Amount financed : {$49000.00} Loan Balance : {$60000.00} Sales agent XXXX XXXX said we were flagged. She said we could buy at the same price as XXXX. She said we had to be Silver or it would take us three years of adding up XXXX points before we would have enough points to take a XXXX vacation. She also said her system was down but I could call her when we wanted to book a vacation. She mentioned that the new company that took over XXXX XXXX XXXX XXXX was a transaction they were not supposed to talk about how the price per point was changing. We did not have access to our account for this purchase of XXXX points until after that rescission period either. Sales agent XXXX said the XXXX points we originally purchased were a waste. She said we needed to buy XXXX points to be Silver. It felt like we had no choice. All the numbers were on a piece of paper, but they took it. This took seven to eight hours. We were told to take out a home equity loan to try to get a lower interest rate. We can not do that. The agent said we would be able to deduct the interest off on our taxes. Our accountant said we can not do that. XXXX sales agents should never assure buyers they can get a home equity loan. They said we could easily get a personal loan as well. Our credit union will not touch a timeshare and we do not have enough equity in our home to arrange a home equity loan. The actions of the two sales agents were criminal. We are devastated. The stress of being victimized by financial fraud has taken its toll. We did not have access to our account until last week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-20

Brooklyn, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: On XX/XX/XXXX J went to XXXX to buy XXXX XXXX XXXX . I have told them that I want to finance it through my Barclaycard Apple rewards card. They have made a charge. My first statement went out fine as it should without any APR charged yo my account. But after I got second statement I was already charged APR 21.85 . I have called Barclays and they told me that I have to call them before I make purchase to make it promotional, but nobody has told me that and my first purchase year ago was promotional without any call. Plus all this happened 45 days after I have made a purchase and they cant change it to promotional purchase due to exceeding 30 days period. Sounds like a nice trap yo me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-20

Austin, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: Barclays site does not allow entering the full length of all possible checking account numbers. They simply cut off the last digits and don't warn the user. They also let you make payments, not just once, but twice or more on an invalid account number. They will also charge you a return payment fee for each time this occurs even though the error is partially due to their faulty web site. They refused to refund the fees, or even reduce it to one charge even though they know the account as invalid per their letter. This was not a old account, this was a new account and I was simply trying to get bill pay work properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-20

El Toro, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-19

Beldenville, WI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Since XX/XX/XXXX, I have been trying to resolve a situation with XXXX XXXX concerning unauthorized charges on my XXXX. They kept letting a charge go through in the amount of {$500.00} each even though I was disputing the charges. They claimed it could not be controlled? I finally made them give me a new card number on XX/XX/XXXX and then they gave the disputed charger my new card number without my approval. I have spoke with them numerous times and have also spoke with XXXX to try and determine the source of this charge and they tell me it is not them even though XXXX is in the description line. Not knowing what else to do, I had to demand that they close my account so no additional charges would go through. This was done on XX/XX/XXXX. In addition, I filed a police report with the XXXX, WI police department. XXXX keeps trying to claim I know the individual responsible in this case. I do not know who is responsible for these charges. In addition, I have contacted XXXX XXXX of XXXX, XXXX and XXXX to see if they could get anywhere in this case. On my behalf, they sent a formal demand dated XX/XX/XXXX to XXXX and as of XX/XX/XXXX they have received no response from them to try and resolve this situation. Per their recommendation, I am reaching out to you for your assistance with this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-02-19

Kingstree, SC

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-19

East Rockaway, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-19

Canton, OH

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: I have a XXXX ( Barclays ) credit card that I've used to make purchases off of XXXX since XX/XX/XXXX. I had never been charged a cash advance fee for purchases from this site. However, starting in XXXX of this year ( XX/XX/XXXX) I began to get charged cash advance fees. Barclays said they did this because coinbase change the reporting of what they were to currency which now equates to a cash advance. This is fine. My problem is that Barclays never communicated this change and I have now racked up {$290.00} in cash advance fees that I knew nothing about. They will not remove these charges even though nothing was communicated to end users about an internal change. https : //www.barclaycardus.com/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-18

NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-18

San Diego, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I just returned from a XXXX on the XXXX XXXX and finally have the ability to submit this complaint of something that happened while I was XXXX. I had applied for the XXXX XXXX XXXX XXXX card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX XXXX Military for the duration of their service. This is the explicit reason I applied for this card XX/XX/XXXX. After I had recieved my card, I submitted all the required paperwork required to prove my XXXX XXXX status. Barclays applied my XXXX XXXX status to my account and sent me a letter stating that they would waive the {$990.00} annual fee and give me 0 % APR as I had heard they had done for many others. After that time, Barclays decided to change to terms and conditions they offered to new XXXX members. Every card service representative I talked to stated that if you were a previous card holder you would not be affected. After 10 months of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA, however not honoring the original terms of agreement to current card members is just bad business. I had to close my account while I was XXXX XXXX to prevent being charged the {$990.00} and was left over seas without a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-17

Asheville, NC

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-16

Ridley Park, PA

Credit monitoring or identity theft protection services

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Received unwanted marketing or advertising
Complaint: During my vacation to XXXX, I won a raffle for a free cruise to the XXXX on XX/XX/XXXX. I had to put a {$40.00} refundable deposit down and to redeem it I had to sit at a 2 hour presentation along with the voucher for the cruise. I was scheduled to attend the presentation XX/XX/XXXX at XXXX at the XXXX XXXX XXXX, in XXXX XXXX, Florida. I soon figured out that they were trying to sell timeshare, and just wanted my refundable deposit for attending the meeting. They asked for my information including my social for what was supposed to be registering for the cruise. I now have emails saying I was approved for a XXXX XXXX XXXX XXXX XXXX account and that I also have a XXXX account. I did not authorize anyone to run my credit or social. They did not provide any literature or receipts for the information provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-16

UT

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Institution Information BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX They did a hard inquiry without permission. XXXXnstitution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX.They did a hard inquiry without permission. Institution Information XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. They did a hard inquiry without permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. Dont recgonize this they did a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Dont recgonize this they did a hard inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-15

Mott, ND

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I have been the victim of Identity Theft twice in the past two years. I am an emeritus professor of economics, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. I reported the problem to XXXX, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. I appreciate any help you may offer. Thank you in advance. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-02-15

New Canaan, CT

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-15

Damascus, PA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-02-15

IA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I made a purchase on XX/XX/2017 which was to be an interest free for six months if paid in full promotion with monthly payments which I was told would be around $ 40 monthly. I thought it was odd there was nothing on the first statement that showed the interest deferment end date but wasn't too concerned as I knew I still had months to pay it off prior to interest being assessed. I received my second statement which showed XXXX interest was charged and that had increased my minimum payment to XXXX. I contacted XXXX XX/XX/XXXX and they advised I had to make this higher payment even if there was a mistake otherwise I would be charged late fees, I offered to send in my contract that showed the interest free and they advised that wasn't needed if it was supposed to be that they would get it fixed. I contacted them again on XX/XX/XXXX to check on the issue before I had to make another payment of XXXX which was higher then the promised amount again and I was told they have until XX/XX/XXXX to resolve the issue and they will call me if they need my documentation. I contacted them again on XX/XX/XXXX to check on the issue and they said at this time they will escalate it so they " should '' get back in touch with me in 14 days and that I have to continue to make this higher payment, again I offered to send my contract and they stated they will call me if that is needed. I was again charged XXXX in interest totaling to {$130.00} in error since the account started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-15

Bertha, MN

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have opened a XXXX XXXX rewards card in XX/XX/2016. Since then it has been transferred to collections. The last two weeks I have called so many numbers its making my head spin, just to get transferred to another center. Ive called two different debt services who say they dont have it and that it has been sent back to XXXX. I have talked to MULTIPLE XXXX reps and i have gotten literally nowhere. I can not pay off my debt. They tell me its closed. Everything is closed. But still owed. I am in desperate need of help. Its not fair I can not pay it and make it right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response