Report: #1328358

Complaint Review: Barclay Bank

  • Submitted: Thu, September 15, 2016
  • Updated: Thu, September 15, 2016
  • Reported By: Anon — Brooklyn New York USA
  • Barclay Bank

    Nationwide
    USA

Show customers why they should trust your business over your competitors...

 I opened a Barclays apple with rewards card in 2015 and bought an iPhone and a bunch of other stuff no problem whatsoever. In late 2015 I missed a couple of payments because of a legal situation and they were not willing to work with me. On top of that they reported the account to each of th three credit bureaus differently. As a side note they just settled with the NY AG for 100M for deceptive practices and s*** like this. Anyway, I wrote to them several times to fix the credit bureau thing they did nothing. Before I did that, I wrote th credit bureaus they didn't change anything. I had a federal lawsuit filed. I'll post an update once we reach some type of resolution. Barclays belongs in the UK. One of their execs responsible for the economic crash in 2008-08 laughed in front of congress and in front of the parliament. Barclays has been fined mor money by the Feds in the past 10 years then any other bank. STAY AWAY FROM THEM AT ALL COSTS:

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This report was posted on Ripoff Report on 09/15/2016 01:31 PM and is a permanent record located here: http://www.ripoffreport.com/reports/barclay-bank/nationwide/barclays-bank-never-trust-a-bank-with-a-gun-wilmington-delaware-nationwide-1328358. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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REBUTTALS & REPLIES:
3Author
4Consumer
0Employee/Owner

#1 Consumer Comment

Have to give you credit....

AUTHOR: Robert - (USA)

I do have to say that you did come off as the standard "Deadbeat" who spends more time blaming just about everyone else for their problems instead of taking responsibility for their actions.  Now, since you still have not been really specific about any of the "violations" this could still be the case.

But, unlike just about every one of the other "deadbeats", you actually put your money where your mouth is..so to speak.  As you have actually done what you said and filed a lawsuit.   So I give you credit for that and hope it works out how you want.

Yes, I truly do believe you feel you will not loose.  After all, no one goes to court going in feeling that they will lose.  But the reality is that not everyone prevails, and if you can't prove your case, if you can't prove you gave them a "good faith" effort to try and fix their mistake, if you can't prove the violation to the court's standards...you will not prevail.

Then IMO I still don't think your case will get very far based on the few things you have said, and perhaps they will just settle with you to get you to go away.  But I do hope you update this site with the outcome, what ever it is.

 

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#2 Author of original report

No, i am not your father

AUTHOR: - ()

Actually, i got offered a full ride to law school for free and decided not to go ":) But then again you remind me of one of those guys that has nothing better to do than criticize others, sit behind their computer all day and jerk off to porn. Correct me if im wrong :) And hey that works for some but not for me. But yea. very honest man that thinks Im gunna lose in court, i wouldnt waste my time if i thought i was going to lose. I dont lose. And i was actually in touch with attys today and the likelihood of them settling is over 95% but then again you would know that too cause im so incredibly wrong with what i am doing and your so smart. And no im not a subprme borrower I have several other credit cards including 2 American express cards i pay on time along with all my other cards. I just dont like when banks break the laws. And i would think that more people would agree with me in the American Public than with what your saying. I think I can also safely assume your a Trump supporter with the attitude that you have. So much b******* has come out of your mouth in your comments I would offer you mouthwash but im a subprime borrower and cant afford it. But then again, my lifestyle is probably more than you can handle but you would know that too :) Oh and im not arrogant, Im just stating some simple facts.

I would assume your okay wjen banks break the law. hat and the simple fact that im educating you on several things in this complaint. Your Welcome :)

Correcting grammer is something spell check does. So i will assume that is your pay grade :)

Psych 101 if someone copies you and then hates on you they are secretly in love with you. I reiterate all the times you quoted me in your rebuttal. but i guess you knew that too.

And yes im correct. I would not waste my time if I was wrong. And just for arguments sake, did you ever represent yourself in Federal court? or have the balls to stand up against a multi billion dollar bank or corporation for whats right? I will assume your answer is no. Until then you have absolutely no right to judge.

I believe and im sure a ton of others would agree, that people should stand up for whats right. Which is why I filed this suit. Which is why im pursuing it aggressively. And which is why ill win. Hands down. If the Defendants choose to drag it out, i fight it out till the end

More infamous people are born in Brooklyn then anywhere else in the world. TAKE NOTES :)

"Ignotance is the source of all chaos" YOU SHOULD REMEMBER THIS QUOTE.

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#3 Consumer Comment

Phony Excuses

AUTHOR: coast - (USA)

“they were not willing to work with me”

Lenders are under no obligation to alter the terms of an agreement.

“they just settled with the NY AG for 100M for deceptive practices and s*** like this.”

Barclays was penalized because they misled investors and violated securities laws. How is that related to reporting to credit bureaus? You are just looking for phony excuses to direct attention away from your failure to honor the terms of a financial agreement. You will embarass yourself in court.

“Maybe you should learn from me”

I wouldn’t want to learn from someone that doesn’t know the difference between your and you’re.

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#4 Author of original report

The Avengers are on my Payroll

AUTHOR: - ()

Hey im all for the public having an opinion probably even more so than you. I just do not appreciate when one states things they believe to be facts or whatever else they might deem them just to have something to say :) "Ignorance is the source of all chaos". The FCRA and whether or pay your credit card bill or not, are two completely separate issues. If you dont pay you go to collections PERIOD. If I was a bank id do that too. everyone wants to get paid. If that same bank reports information differently to all three of the credit bureaus THAN what the actual truth of your non payment is, THAT IS A VIOLATION OF THE FCRA. Whether you pay the bank or not and debt aside, the FCRA (15 USC 1681) is enforced under section (i) and other sections. I am seeking redress under 15 USC 1681n and 15 USC 1681o.

 

I would strongly suggest you check your facts and understanding of the aforementioned laws as well as other statues. And I find it funny that Barclays locked me out of my online account and sent me 9 different emails stating that I did not pay and to set up a payment plan. If this is someone from BarClays which I will assume it is, I will be introducting these additional pieces of infomraiton during discovery to further substantiate my claims of your willful actions to complicate a rather simply, resolvable situation. Ive also received NO statements from Barclays after being locked out of my account ro pay the account (violation of the FCBA) and several other emails telling me I qualify for a payment plan using a hyperlink. Yet when I click the hyperlink and put in the information that they requesting, it says that no offer exists and that my information is inaccurate when it is indeed, correct and truthful.


And its banks like BarClays that caused the economic recession of 2008 and 09. Ans the same practices that caused that situation were still being practiced by them which is why the NY AG fined Batclays 100M. I will also introduce that into evidence. 

 

PLAY BY THE RULES. End of the story.

 

and the case I filed is docked under 16 CV 6043 in the USDC for SNY.

 

I do not lie. Maybe you should learn from me :)

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#5 Consumer Comment

You failed to answer the question...

AUTHOR: Robert - (USA)

You have stated you have already filed a Federal lawsuit.  Those are public record and can be accessed by anyone.  So if you are telling the full truth why are you FAILING to post the Court and Case Number so people can verify your claim? Again you can't claim "privacy" because they are PUBLIC record.

While we are at it...you have also failed to post any detail as to the nature of the FCRA violations. Including the specific section of the FCRA and the specific violation.  Again there should be no reason you wouldn't post it here because the lawsuit you say you filed would have this same information.

Also, it is SOP around this site that when someone posts something they don't like and can't defend their position they basically lash out and accuse them of working for the company.  As I think I have been accused of working for probably a couple dozen companies, and just like every one of those claims...you are wrong.  I do not now or have I ever worked for this or for that matter any financial institution.

As for "harassment"..again YOU posted on a PUBLIC web site, and just because the public gives you something counter to your beliefs does not make it harassment.

 

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#6 Author of original report

No your wrong

AUTHOR: - ()

 Actually a review of the facts would prove you wrong. Your exec group lied to me in a letter and to the BBB. I stand for what's right not some bs banker dumb s**t. And your right the judge will agree with me based upon your own letters sent to me. And who said anything about not working with missed payments? Your grossly and willfully violated the FCRA AND EVEN AFTER I TOLD YOU ABOUT IT 7 times you still didn't fix it! That's the truth whether you like it or not. See you in court + punitive damages for harassment here now too.

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#7 Consumer Comment

Typical

AUTHOR: Robert - (USA)

Typical Sub-Prime borrower, you destroy your credit by missing a few payments and it is automatically everyone else's fault.

But you take it one step further and say you have already filed a Federal lawsuit.  Well I took a look and couldn't find any lawsuits similar to yours filed recently.  So could you please provide us with the court it was filed in as well as the case number.

But beyond that I may have some shocking news for you.  A company is under zero(that is none, nada, zilch) obligation to "work with you" if you have fallen behind in your payments.  Also, they are allowed to report you as delinquent even if you are paying "something" but not the full amount due. 

As for the different information reported.  Again credit card companies may or may not report to the credit reporting agencies on the same day.  So having different information is not something you can sue for.  The only thing that matters is that as of the time of reporting was the information correct.  You have admitted to be "a couple" of payments behind.  Depending on your definition of what a "couple" is, you could actually be reported as at least 30 days late and very likely 61+ days late.  If you are disputing something like amounts owed or just disputing to dispute(even a history of this) they can treat any future dispute as "friviolous" where the timelines and requirements no longer apply.

If you claim Fair Credit Reporting Act violations you must in good faith give them a chance to fix the error.  Along with this comes very specific reporting requirements, as well as certain amount of time you must give them depending on how you got your credit report.  So if you can't prove that not only the information is wrong but you gave them the required time to remove it your case will be thrown out before you can even say "Good Morning" to the judge.

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