Barclays PLC Credit Card Complaint

Barclays PLC Credit card department,

New York

This item, a hard inquiry on my credit report that was pulled on - - -, is inaccurate because I already had a hard inquiry pulled on - - - when I first applied for my credit card. I am requesting that the item be removed to correct the information. On - - - I went onto the Barclays website to see about requesting a credit line increase. While going through the process of requesting an increase online, I was taken to a new webpage that said there was a system error and that my request could not go through. It told me to call customer service at - to speak with customer service to request an increase over the phone. Because of this error, I did not try to submit another request and instead just wait to speak with customer service at a later time. After trying to read more information about the error issue, I learned that requesting a credit line increase may affect my credit score. Since I had just received a hard inquiry on my credit on - -, I decided to wait until Barclays increased my credit line on their own to not jeopardize my


also never informed of a decision. I later received a credit report alert that a hard inquiry was pulled and this is where I was notified that my credit was checked and apparently the request did go through on Barclays ' end. I tried emailing Barclays through my account message center and have also written numerous letters. In this time I have not received adequate help and a proper investigation was not done. I have been disputing this issue since - -. After writing another email in the message center, I called Barclays Bank to try and speak to a manager or supervisor. I spoke with a Barclays Bank manager named - on - - - at - about this issue. - explained that the request did go through on Barclays end however that Barclays ' policy is that typically when someone requests a credit line increase within 30 days of their account opening, that a hard inquiry is pulled. My account was opened - - and I tried to request an increase on - -. That 's over 30 days. According to their policy, this inquiry should therefore be removed. - explained that as a manager he could n't retract a hard inquiry on someone 's credit report. He suggested I try writing to the credit bureaus and possibly try contacting the Federal Trade Commission. I have contacted both and so far have only received a response from -, the credit bureau that has reported the unauthorized hard inquiry on - -. - said I should contact Barclays, the creditor, about removing the inquiry as the creditor is the only one that can do that. In my last dispute letter to Barclays on - -, - I enclosed a call detail record from - - so they could see I spoke with Barclays about this issue verbally. All written conversations are available in the message center and hopefully all mailed letters have been added to my account by their team. I have yet to hear back from them in regards to my last letter. However, I am aware it takes up to 30 days. I 'm not sending in a complaint about not hearing back from them. I am sending in a complaint because I have been fighting this issue for months and know they will continue to ignore their own policy and not remove the incorrect and unauthorized hard inquiry.