BARCLAYS BANK DELAWARE

2019-10-11

Hamburg, MN

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: It began when we ( me and my wife ) processed a payment on our daughters electronic tablet on XX/XX/XXXX in the amount of {$4.00} to XXXX XXXX ( game developer ) via the XXXX XXXX app. Barclays did contact us immediately to confirm that this was authorized purchase, of which we answered in agreement to authorize it. Soon after, beginning on XX/XX/XXXX, my daughter used this card to process purchases mostly to XXXX XXXX ( other game developers also, always through XXXX XXXX ) without our consent. I contacted Barclays in early XXXX to dispute these charges, of which, your representative put me in contact with a XXXX rep and XXXX agreed to credit us back a portion of the purchases totaling {$220.00} with the assumption that we would contact the game developer, XXXX XXXX, and dispute the remaining balance directly with them. At this time I have contacted XXXX XXXX three times via email and they have not replied to my inquiries as of yet. I would like the remaining balance of {$440.00} credit back from either XXXX, XXXX XXXX ( and other game developers ) or Barclays. The U.S. Truth in Lending Act covers unauthorized purchases in excess of {$50.00}, protecting consumers. The XX/XX/XXXX letter stated that Barclays position is that, once a cardholder releases the account information to another individual for use of the account, he/she is accepting responsibility for any and all purchases made by the individual. I strongly disagree with this position. The comparison to my situation is back when the Federal Trade Commission ordered XXXX to pay out a minimum of {$32.00} XXXX to reimburse parents for unauthorized mobile app purchases made by their kids. Whether youre doing business in the mobile arena or the mall down the street, fundamental consumer protections apply, said FTC XXXX XXXX XXXX in a statement. You can not charge consumers for purchases they did not authorize. This is identical to my position, these charges were made by my 10 year-old daughter without our approval. The fact that XXXX refunded us {$220.00} of the original {$660.00} in unauthorized charges demonstrates that they are accepting responsibility, yet, not completely, based on the partial refund. XXXX position at the time of their refund was that they will refund the {$220.00} and remaining balance owed will have to be addressed by contacting and disputing the charges with the game developer, most of which is XXXX. At this time, XXXX has not replied to my three inquiries and XXXX has refused to reimburse us any more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-11

ME

Other features, terms, or problems

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

Other problem
Complaint: Some of the dates may be off by a few days because I didn't start writing things down until XXXX, but the basics are that Barclay was sent an overpayment of {$15000.00} XXXX XX/XX/2019 from my bank 's billpay service ( XXXX, it was sent as an ACH ). I immediately called Barclay and was told I need to wait until they process it. On XXXX XXXX, I confirmed that they had a {$15000.00} credit on the account and requested return of that money through their online account. It said 7-10 business days. I called 10-12 business days later ( probably XXXX XXXX ) and was told a check was sent. I told them I had not recieved it, they could not tell me when and where it was sent and didn't have any way of tracking it. I called several times over the next 2 weeks and was told the same thing. I called just before I left on a 3-4 week vacation ( probably XXXX or XXXX XXXX and asked them to send a new check. When I returned late XXXX ( probably XXXX ) there was no check. I called and they told me a check was sent out XXXX XXXX, but couldn't tell me where it was sent to and still were unable to track it. I called several times requesting a new check. It is XXXX XXXX and I am no closer to a check. I just had a conference with the people who run the billpay service, XXXX, a Barclay representative, myself and my wife. They are still unable to tell me when I can expect a check. Their plan is to send it the same way they claim they sent it last time, without a tracking plan, so if it doesn't arrive again, I am back where I started. At this point it seems like it could be called grand theft or wire fraud. I am unable to upload my wife 's file as I cancelled the account due to their poor service, but I copied my messages to them thru my wyndham account.
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

2019-10-10

TX

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: I had made several attempts over the past 5 years to get a lower monthly payment with Barclays. I went in to the hardship program twice. The initial time I only had to make payments of {$100.00} and the second time it went to {$150.00} which at the time I informed them I could not afford. Once the card went back to regular payment plans they request over {$400.00} a month in monthly payments just to maintain the balance. I do not truly owe the entire amount shown on the account as a majority of it lies in fees, penalties, and interest. They would only allow me to go in to hardship once I was behind on payments, which I was penalized for, and kept increasing the hardship payments. It was a battle and struggle to just maintain the debt on this account. I would like to reach a settlement with this company with reasonable monthly payments that I can afford. There is no way I can afford a {$400.00} a month card payment to keep the same balance while also paying a car payment and student loans and so on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-10

Patterson, MD

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: ON XX/XX/19. I Purchased A Dining Room Set, which came with 4 Chairs and Table, I also order 2 Extra Chairs. It was Curbside Delivery ; Once Assembly, 1 Chair was damage with black declaration on Chair. I Contacted XXXX XXXX XXXX and Raven 's Barclay Card, No one did anything but took My Money and never came with Replacement of Damage Chair. Nor would they give Me A refund. Barclay saying its out of their hands, but release the Money on the Day I order, without waiting on Furniture to Arrive or see if Customer was happy with Furniture. That set cost Me Over {$3000.00} Dollars. I had Already Paid Ravens Barclay Card, {$2200.00} for the Furniture that wasn't damage. But not the 2 Chairs for {$540.00}. After they Refused to do anything about the problem, I told them to come get the hold Set and we even. The Second Dispute was with XXXX XXXX XXXX XXXX. The Car was Pre-paid in Advance By XXXX XXXX, {$600.00}. I was the one who pick up Car because I arrive to XXXX XXXX first. I was told I needed A Credit Card in My Name to pick up Car, and they would put A hold on it. I stated not to Charge My Card and Mr. XXXX XXXX would pay balance when we return Vehicle. When we Return the Vehicle together They wouldn't take Mr. XXXX XXXX and told Me The Charges was on My Card. I told them I didn't Authorize the Charges and Mr. XXXX was Paying for Car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Chicago, IL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: For some reason Barclays Bank Delaware has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. I disputed this account XX/XX/2019 on my XXXX and XXXX credit reports to no avail. To date, Barclays Bank Delaware continues to ignore my requests and they continue to ignore my consumer rights. I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a letter informing me they received my dispute. This does not qualify as verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that Barclays Bank Delaware knows they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. Barclays Bank Delaware is blatantly disregarding the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Ft Trumbull, CT

Fees or interest

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

Problem with fees
Complaint: My account ending in XXXX is enrolled in repeat payments, the amount of {$50.00} is scheduled to post one day before due date each month. No payment posted for this month for reasons unknown to me, a late fee was charged yesterday, XXXX, in the amount of {$15.00}. Because no payment was scheduled, I made a payment today,XXXX, in the amount of {$40.00}. I do not know why my auto pay did not go through, however, I do not believe it is my fault and should not be charged a late fee.
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

2019-10-09

Ft Lauderdale, FL

Closing your account

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

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Fort Pierce, FL

Getting a credit card

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

Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Empire State, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-09

Boston, MA

Problem when making payments

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

Problem during payment process
Complaint: In XX/XX/2019, I made 4 payments via my XXXX XXXX bill paying service. 2 payments were credited to my Barclay XXXX XXXX MC account and 2 payments ( XX/XX/XXXX {$100.00} and XX/XX/XXXX {$200.00} ) were not. They all came from the same source. I contacted Barclay and faxed the images both front and back of the checks from the two payments in question. After several calls and message exchanges, I have yet to have an answer. In the last conversation, the representative stated that my case had been " escalated '' but there has been no contact at all ever since. I refaxed all the information including redacted XXXX XXXX Statements showing the money leaving my account. The cashed checks went to a XXXX XXXX account with as Barclay 's stamp.
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

2019-10-08

Maynard, 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: On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details. Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor. 3 ) I am within the 120 day time limit. I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.
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

2019-10-08

Scottsdale, AZ

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Business Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Complaint Summary Complaint Type : Consumer to Business Complaint Nature of complaint : Billing or Collection Issues Problem description : I received a " FINAL NOTICE '' letter to settle a past due balance with " Juniper '' stating the balance due was {$3400.00}, but could settle the debt by paying {$1700.00}. The envelop was post marked from XXXX XXXX, IL XXXX on XX/XX/2019 XXXX XXXX L. I saved the letter and envelop. I have no knowledge of " JUNIPER '' or any debt to that business. I also read the warning by XXXX regarding XXXX XXXX and its principle, XXXX XXXX. I also read the information regarding the Government Action regarding this actor and business activities, conviction and punishment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-08

Astoria, NY

Incorrect information on your report

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

Account status incorrect
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

2019-10-08

Tarzana, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Complaint: I have savings accounts and CD accounts at Barclays Bank, I am very upset I have received over 40 emails from these folks deleting my Beneficiaries and changing information on them and percentage amount. I have called them numerous times trying to get this fixed and asking them not to do this. No Bank or bank employee should be allowed to change and delete Beneficiaries on any persons account this is simply a very dangerous situation. After numerous conversations with them and me even putting them back myself they still keep deleting them. THIS IS NOT ACCEPTABLE AT ALL. I am copying the latest deletion EVEN THOUGH I have updated it myself you have deleted again Current beneficiaries Add a beneficiary NamePercentageVerifiedAction XXXX XXXX XXXX % Yes XXXX XXXX XXXX % Yes XXXX XXXX XXXX No. These are my XXXX XXXX and I want these folks either to fix their problems, and never be allowed to change a beneficiary again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

OR

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/2019, I made a payment to my Wyndham Rewards credit card ( issued by Barclays US ). The payment was immediately posted to my credit card account and then removed from my credit card account with an explanation that my checking account that I used to make the payment was " closed ''. This is incorrect. The checking account that I used to make the payment is open, remains open to this day and has been used repeatedly to make payments to other credit card companies. On XX/XX/2019, that very same payment was removed from my checking account. I have tried to address this issue with Barclays through their website 's secure messaging system, by phone, and in writing. As of this date, I have only received acknowledgment of my correspondence and no indication of how or when this issue will be resolved. Meanwhile, Barclay 's is charging me late fees and interest on late fees because I have, so far, refused to duplicate that payment from XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-07

NH

Closing your account

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

Company closed your account
Complaint: I believe that I was treated unfairly by the credit card company. I had held the card for over twenty years and paid my full balance on time. However, on XX/XX/XXXX I signed up for paperless statements for my XXXX/Barkley Credit Card. I did not use that card regularly so I hadnt noticed that I hadnt received an electronic bill for a {$6.00} car wash that I made on XX/XX/XXXX. The emails must have gone into my junk mail. I also never saw any notices about late fees. It wasnt until after they closed my account, because of a {$6.00} charge, that I received a notice in the postal mail on XX/XX/XXXX. I dont think it was fair that they didnt give me a warning by mail. Since, I had just signed up for paperless and never responded to emails it seems like that would be protocol to have reached out to me by postal mail for phone. I contacted Barkley the day I received the notice in the mail that my account had been closed. I immediately paid the balance. The woman on the phone was able to forgive most the late fees and interest because she said I had been a loyal customer. She also told me that she was aware that XXXX statements had gone into other peoples junk mail. At the time I had no idea how it was going to affect my credit score that had been XXXX and in the 800s for years. This one {$6.00} incident caused it to drop to XXXX. It hasnt gone much higher since then. I contacted XXXX by mail and I asked them to adjust what they had reported to the credit agencies especially since the bill had been paid and that I had always paid my bills on time. They sent me a letter that said they could not adjust my account to eliminate the problem to my credit score. They stated it would create an inaccurate representation of your account. But this reporting causing this dropped score is what does not correctly represent my credit history. They never sent me a hard copy in the mail before shutting my account. I have a XXXX XXXX that I have a monthly balance of at least {$1200.00} that gets paid immediately and I never carry a balance. But a missed {$6.00} bill dropped my FICO score over 100 points. That is not a fair representation of my credit. I also contacted the three credit bureaus. The responses were hard to read but it appears that XXXX XXXX reply dated XX/XX/XXXX told me the information does not currently appear on my credit report. It looks like XXXX on XX/XX/XXXX also said it wasnt reported on their credit file. I did not receive a response from XXXX, but was so frustrated I dropped it. However, since then my car insurance went up because of my lowered score. Furthermore, in XXXX when I bought a new car I qualified for 0 % interest, I recently traded in that car and my new car loan is 6 %. So realizing the devastating effect the inaccurate portrayal of my financial situation and credit history is taking, I have continued to ask people what to do and someone recently encouraged me to reach out to the federal Consume Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-06

NC

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: XXXX XXXX ( XXXX ) markets a XXXX through Barclays Bank that advertises free checked baggage. There are multiple restrictions and loopholes that effectively voids this benefit. Ive tried to resolve this issue with XXXX and they refer to the fine print. XXXX & Barclays fraudulently advertise a benefit that is not available except under very specific conditions resulting in consumer fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-06

Winton, CA

Incorrect information on your report

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

Account status incorrect
Complaint: I have a hard inquiry opened XX/XX/2018, I am not aware of an account being opened at that time. This hard inquiry is for Brclysbankde. I already tried contacted them by phone and sent them a letter ; noting was done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-05

Worcester, 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 did a balance transfer and paid {$3400.00} in full and now there trying to charge an additional {$120.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Rncho Domingz, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: i received numerous calls per day from this attorney. one day one of the assistant called me and told me she was on her way to my house because i owe barclays bank money. she told me i will be sue if i dont pay her that same day. i asked for summons and she said she will be at my house soon. she also told me she has contact the IRS to take my paycheck. i never received any letters from any collection company. today XXXX i received a letter in the mail from an attorney with a case number. after i searched this case number it seems they have been going to court since XXXX and not once did i receive a letter or summons of any lawsuit. this attorney has violated my fdcpa rights. they are trying to collect but are no records on my credit or mail of them attempting to collect this debt. to validate debt. show me proof of money owe. show me proof as per FDCPA Section 809 ( b ) validation has been requested and denied by creditor and attorney. still pursue to follow with lawsuit. FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre. violated FDCPA Section 807.FDCPA Section 811 ( a ) ( 2 ) Gearing v. Check Brokerage Corp Cacace v. Lucas , 775 F. Supp. 502, 505 ( D. Conn. 1990 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

MS

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Complaint: On XX/XX/2019 I sent via certified mail a request under the fair credit reporting act section 623 requesting basic information that they should have to verify that barclays bank was accurately reporting information on my credit report. My letter was delivered on XX/XX/2019 at XXXX. My request was ignored by barclays bank in violation of the FCRA and they did not respond within the 30 day window the law allows or even bother to respond at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Missouri City, TX

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

Timely Response

2019-10-04

GA

Other features, terms, or problems

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

Other problem
Complaint: I'm looking to purchase a new home. I checked my CBR and there was a Barclays XXXX XXXX Credit Card on file. I called Barclay 's and told them this was fraudulent. They told me that I had to, in writing, send them a letter requesting validation of the debt. I sent the letter and it was received by them on XX/XX/2019. In that letter, I stated the account was fraudulent - I never opened it. I provided my SSN, address where they could send VOD documentation, etc. I never heard back from them again until I called them almost two months later. On XX/XX/2019 I called again and spoke to XXXX at XXXX XXXX. She validated that my request for VOD was received but no work was done on it. She told me they'd respond back with the VOD. I received a letter dated XX/XX/2019 stating that they completed a fraud investigation and found that, " ... the charges were made by you or someone who had authority to use your account. '' They did not provide any validation of debt information - to this date, I've received nothing. As such, I want this removed from my credit bureau and I still want the validation of debt information to get a better understanding of who might have done this. By the way, I've never received such a nasty and unprofessional letter from a business in my entire life. They didn't even bother to ask me for a fraud affidavit to help with their investigation, so I question the validity of their " investigation. '' They have failed to provide me with the documentation that I've asked for. Per the FDCPA, they're required to do so in a timely manner and have not done so. Please help. This is not my account. I was hoping to get the VOD before filing a fraud affidavit, but Barclays didn't even bother to respond back. They only responded back when I initiated the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Cartersville, SC

Advertising and marketing, including promotional offers

Credit card or prepaid card: Store credit card

Confusing or misleading advertising about the credit card
Complaint: Below is our concise summary of the events that led up to the credit card debt : After purchasing a vacation package in XX/XX/2017, attending another sales pitch and upgrading our ownership we were moderately happy with the results at the time. The real turn of events happened this year in XX/XX/XXXX. We were informed by XXXX XXXX that owning a " Land Trust '' was the " future of the company. '' After much deliberation AND with the agreement that there would be no cash outlay/no payment out the door on our part, we agreed. She went on to say that we could simply use the equity from the 2 timeshares that we already owned to purchase the Land Trust. We were encouraged to apply for a credit card for RCI as part of the enrollment process. We were fine with doing so with the understanding that this would be an open line of credit directly tied to the ownership ( for points, perks, etc. ) and that since we were trading in the previous timeshares we would not be responsible for any associated balance. XXXX XXXX assisted us in the closing process and reiterated the very same information so we left feeling very " tucked in. '' NEVER was it explained that a down payment would be on the credit card. Turned out that not only had we traded in the previous timeshares in but a {$16000.00} down payment was put on the RCI credit card. The interest rates were awful and therefore, we were left with little to no choice in taking out a personal XXXX loan ( with lower interest rates ) to pay off the unexpected debt. We are intelligent, educated individuals of sound mind that can say with great certainty that they purposefully presented this as something that it was not. We are both retired military veterans and for this to go unregulated is unacceptable. We would appreciate all the assistance you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Mabank, TX

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: Ive been a card member for Barclays for almost a year and great payment history and never been late or had any problems using the card now I called twice to have my credit limit increase so I can manage my credit card balance and utilization and I had my credit report pulled twice in one year and I was turn down due to mutiple fraudulent inquiries and I explain to the credit rep that I was a victim of fraud with XXXX XXXX and XXXX ... and she told me I have to wait few months and it was a big waste of my time and I lost 10 points off my credit report due to phony credit limit increase declined
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response