Jump to content


Barclays Fraudulent Activity


mikejody
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3177 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Greetings,

I do not know if I am posting this in the right forum,

but I'm wanting help with something Barclays has done to me:

 

I posted the following question to Barclays customer service department (all the following quotes are simply repostings of our interaction):

 

Me: "Greetings, I am requesting that Barclay card does not increase my credit line,

and does not do any hard credit checks whatsoever on my account.

Can you please add a note that this customer does not wish to have any credit checks accomplished?"

 

Barclay's Response: "Dear _customer's name_:

 

Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard.

We can certainly address your concern regarding the FICO® score on your account.

 

When you view your FICO® Score through this program, you are not impacting your credit score in any way.

Credit inquiries classified as "Hard inquiries" (like when you apply for credit) may affect your credit score.

"Soft inquiries" do not impact your credit score and are initiated for the purpose of pre-approved credit offers,

and by existing creditors to monitor risk.

The FICO® program is simply sharing the information obtained through soft inquiries. Therefore, it does not affect your credit score.

 

Further, please be advised that we receive updated information from TransUnion once every 10 weeks,

or whenever there are certain changes to your credit file

(new account openings, new inquiries for credit, etc.).

Whenever that updated information affects your FICO® Score,

we will send you an email alert letting you know that your FICO® Score has changed.

 

For more information regarding your FICO® score, you can access the Terms of Use through the

'Your FICO® Score' tab, located in the 'Tools' section of the website.

We hope you find this information helpful.

 

If you have any other questions and concerns, please reply to this message.

 

Sincerely,

 

Customer Care"

 

My response: "Greetings, thank you for responding. This is not what I asked.

Notice that I asked you not to do any HARD credit inquiries on our account.

I don't care if the FICO score is updated,

I care that you don't do any HARD inquiries on our account.

 

 

In other words, last year you did a HARD inquiry on our account to increase our credit limit, which we did not ask for.

I do NOT want that done again.

Does that make sense?

I can explain further if you'd like."

 

Barclay's response: "Dear _customer name_ :

 

Thank you for contacting us regarding your Barclaycard Arrival Plus World Elite MasterCard.

We can certainly address your concern regarding the hard inquiry on your account.

 

We will need to pull and evaluate your Credit Bureau Report.

Please keep in mind that we are only doing a hard pull in order to process your credit limit increase request.

We hope you find this information helpful.

If you have any other questions and concerns, please reply to this message.

 

Sincerely,

 

Customer Care"

 

My response: "Wow! What part of DO NOT PULL A HARD CREDIT REPORT are you not understanding?

I thought I had been really really clear, but I guess not.

 

 

Is there a way that you might send this request to someone who understands English for me?

I'd really really appreciate it.

 

 

Again, I want to try to be as clear as I possibly can.

I do NOT want you to pull ANY hard credit reports from me.

I do NOT want an increase in credit with you.

I do NOT want another hard credit report pulled.

 

 

Again, would it be possible for you to forward this request to someone who understand English?

I'm not being rude, I just really don't understand why you can't understand my request

. It seems really straight forward.

 

 

DO NOT PULL A HARD CREDIT REPORT, and DO NOT GIVE ME AN INCREASE IN CREDIT.

If you're having difficulty with this, please tell me what your first language is

and I will see if I can translate it so that it is understandable.

Please respond back that you will NOT pull a hard credit report ever again. Thank you."

 

One week later, I found out that they had pulled a hard credit report on me.

 

Is there anything that can be done about this? It seems very blatant disregard for the customer's request.

Link to post
Share on other sites

what is a hard credit report

never heard of it...........

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

So even though you don't want an increase in credit (for which they do a credit search that will show on your file and imply that you are seeking an increase in credit) and have told them this - they are still doing it ?

 

Perhaps a word with the Information Commissioner especially if it is causing you grief with your credit history.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

Credit Bureau??

 

FICO is located in San Diego

 

FICO® Scores are the most widely used credit scores in the U.S. financial industry

First Bankcard and Barclaycard were among the first lenders to join the FICO® Score Open Access program

 

This is American, Not the UK

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...