BARCLAYS BANK DELAWARE

2018-01-31

Warrenton, VA

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: We bought XXXX points from XXXX XXXX in XXXX, AZ, in XX/XX/XXXX ( total cost c. {$18000.00} ). We were made verbal promises about how we could use the points which turned out to be untrue. We were told not to log on to our account for 3 weeks, otherwise it could disrupt the set-up process. This conveniently took us beyond the 14 day cooling off period when we could have cancelled and received a full refund. When we did log on ( see email chain ) we discovered that we had been mis-sold and had not checked the small print carefully enough. We immediately asked for a refund and to cancel the contract. This was refused and escalated to higher authorities at XXXX, who also refused. We then sought to get our money refunded in other ways. We had paid using 3 methods, c {$1600.00} on my husband 's XXXX credit card, {$5000.00} on a new interest-free XXXX XXXX XXXX and the remainder as a loan from XXXX. The disputed transaction of {$5000.00} was made onXX/XX/XXXX on the new XXXX XXXX XXXX ( which I have not used for any other transactions ). My husband immediately raised the matter with XXXX, who contacted XXXX XXXX. On getting no response from XXXX, XXXX refunded the c {$1600.00} permanently on my husband 's card. We also raised the matter with XXXX but we learnt later that they never contacted XXXX XXXX on our behalf ( unlike XXXX ). They later said that they " were familiar with XXXX 's contracts and that if we'd signed, that was our fault. '' We then contacted the AZ Attorney General 's office and discovered 2 things : 1. There had been a judgment against XXXX XXXX for mis-selling and that a an amount had been set aside by XXXX of {$800000.00} to compensate those who'd been affected. Sadly for us that money had all been distributed before our claim. 2. In AZ law, the verbal presentation forms part of the contact. In other words they can not say one thing in a presentation and then make you sign something different. We were way to trusting with the pages and pages of contract that we had to initial after an intensive 4 hour presentation. We were not in a fit state to properly vet what we were signing. However the AG 's office said that we would have a strong case in a Smalls Claim Court. That is not a realistic option for us as don't live in AZ. Last summer XXXX XXXX offered to cancel the contract, closing and cancelling the loan but keeping the {$5000.00} we had paid on my new XXXX card. We refused and asked for a full refund. They declined. Soon after that they summarily cancelled the contract without notice to us, reclaimed all the points that we had been allotted under the contract but kept the {$5000.00}. We then escalated our claim with the XXXX XXXX, initially through their complaints procedure and then we were referred to the Office of the President. Initially we dealt with XXXX XXXX XXXX but were then referred to her superior XXXX XXXX XXXX. We spend part of the year in the XXXX and part in the US. We have called many, many times. Just before XXXX, XXXX XXXX said that she had not had time to look into it but would do so and get back to us. She didn't. Between XX/XX/XXXX and XX/XX/XXXX, I called maybe 10-15 times and got her voicemail every time. I left my number and asked for a callback. It never came. I also called the main number for the Office of the President ( of XXXX ) and was promised a call back in 24-48 hours. It never came. Much of this and the explanations are contained in the attached correspondence. My complaint boils down to : 1. We were mis-sold, which is XXXX XXXX ' issue, I know, but XXXX should protect us from that. 2. XXXX helped my husband to get his money back. XXXX did nothing on my behalf. ( We were specifically told that they had taken no direct action in a call in XX/XX/XXXX ). This is a dereliction of their duty to protect me, the consumer. We even sent them the AZ AG 's ruling, which they ignored. 3. There is a whiff of collusion between XXXX and XXXX as XXXX issue this card on their behalf. 4. The Office of the President ( of XXXX ) has failed to pursue my case and completely failed to provide the basic courtesy of returned phone calls. I have mentioned pursuing a claim through the CFPB to them and they have asked for more time to look into it. They have run out of time. 5. There has been no justification for withholding the {$5000.00}. We now have no product and are {$5000.00} out of pocket. Ultimately that is the nub. XXXX surely can not keep our {$5000.00} for nothing, can they?
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

2018-01-31

Lynn, MA

Other features, terms, or problems

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

Other problem
Complaint: After trying to use " XXXX '' to access my XXXX XXXX XXXX, I keep receiving a message as follows " XXXX is blocking you from enabling external applications ''. I can not access my account through Trim.com. After a call to XXXX to fix this problem to access my account, they were unable to fix the problem. After approximately 50 minutes on the telephone with XXXX and after speaking with 5 representatives, there is no resolution and XXXX can not access my card with XXXX. XXXX has not fixed this 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

2018-01-31

Greenville, SC

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: During the month ofXX/XX/XXXX, I submitted a request for a Goodwill adjustment of my credit reports. The Adjustment was denied. My adjustment was based on the fact of my wife XXXX XXXX on XX/XX/XXXX. The late payment was reported along this time frame as well. The missed payment was an inadvertent error on my part due to the dilemma I was in at the time. The payment was made current immediately and the account has been paid in full prior to terms of the agreement. I honestly feel my request was reasonable and I also feel that this creditor is being unreasonable in this instance based on the circumstances aforementioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Lewiston, NY

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-01-30

Bay Lake, FL

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: XXXX is blocking me from enabling external applications in order to keep track of my account as I choose. I was able to do so in the past. This is a new development. After contacting XXXX they still refuse to allow this request for access. I understand I have the right to access my financial data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Perris, CA

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 non-monetary relief

Timely Response

2018-01-30

Vernon Hill, VA

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: Yesterday i received an email from XXXX XXXX stating that there was a major change to my credit report. I looked into this, and there was an inquiry from something i have never even heard of. Barclay Bank had issued a inquiry to my account without my consent. I tried calling Barclay Bank, and they were very unhelpful. They told me i had to call XXXX to dispute the issue. Okay, so I tried calling XXXX. XXXX told me i had to get Barclay to send me a letter of deletion so that i could then forward it to XXXX, JUST so they can remove the inquiry from my credit report.I tried calling Barclay back and they told me they couldn't send me the letter until it was disputed These are alot of hoops to jump through for someone who didn't ask for this credit inquiry, and neither company is helping me out. Each one is just essentially telling me to go to the other to make progress so there for there is nothing i can do. I did not apply for a loan or a new credit card through Barclay Bank and to my best knowledge, it is actually illegal for them to pull my credit report without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Downey, CA

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

Timely Response

2018-01-30

Tarzana, CA

Other features, terms, or problems

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

Other problem
Complaint: Blocking use of third party applications that can personally help me pay down debt faster
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-30

Oxford, GA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: Barclay 's Card Knowingly Allowed Scam Artist Merchant, XXXX to Forge My Signature for {$250.00} purchase using their credit card. I did not sign Acceptance of Services Agreement form. XXXX Agent XXXX XXXX hacked my computer to obtain fabricated GA Driver 's license information and attempted to hold/lock my computer for ransom. No purchases were made with merchant XXXX. I provided proof of forgery to Barclay 's but they ignored me and forced me to pay for fraudulent charges by XXXX. Originally, Barclay 's Fraud Department agent said that they had mailed me {$250.00} refund but refund check never arrived. Then they deleted records from logs with reference to promised {$250.00} refund in mail. Now, they completely ignore me.
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

2018-01-30

Brooklyn, NY

Incorrect information on your report

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

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

Timely Response

2018-01-30

Long Beach, CA

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-29

Chicago, IL

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I bought a ticket from XXXX with my Arrival plus Barkclaycard on XX/XX/2017 traveling to XXXX XXXX XXXX XXXX, the ticket cost was about XXXX dollars. When I call Barclay to redeem my miles they are saying that my miles are no good because I was suppose to redeem them when my flight was completed ( meaning after 90 days only. ) How will I redeem the miles after 90 days if my flight was on XX/XX/3017? Now Barclay is not allowing me to use my rewards and they want me to receive a lower amount in money which reduces the value of my points. Previously they allowed me to use my points and now they are not. Barkclay is been disrespectful and is giving me a big problem. I feel that they are taking me for granted. I have been with them for about three years and have a great payment history. Previously I recommended them to several members of my family and friends however now I am in schock with the way they are behaving. I look forward to your response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-29

Arco, CA

Fees or interest

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

Problem with fees
Complaint: On about XXXX, XXXX closed my credit card account without my permission and it does not refund me annual fees. I just opened this card account for only three months and rarely use its benefits.
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

2018-01-29

WA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Hello my name is XXXX XXXX XXXX and my Barclay visa with XXXX rewards is outstanding in debt. Barclay Visa has sent me an invoice which is below in the attatchments of My account and was closed XX/XX/XXXX to my Barclay visa with XXXX rewards credit card. I am a XXXX XXXX and Also a XXXX XXXX XXXX XXXX XXXX a XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX. I recently have been noticing that since XXXX I have been investing in XXXX shares and stock and I a dividend that was set to pay out last XX/XX/XXXX. I don't understand why XXXX has not applied my dividend to my XXXX rewards visa card and It's already going into collections and incurring more debt. I really need my credit card debt paid and I have contacted Barclay visa with XXXX rewards and no employee seems to understand can you please help secure my debt and apply my dividend to my outstanding credit issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-29

El Paso, TX

Struggling to pay your bill

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

Problem lowering your monthly payments
Complaint: Recently on XX/XX/2018, I spoke with a representative from XXXX XXXX XXXX, I'm coming close to 2 years with them and their financial department is very unhelpful. My payments were roughly $ 31 monthly, I have been late 2 or 3 times due to financial hardships and I do understand that payments go up for late payments, now up to date my payments with XXXX are now roughly {$80.00}. I spoke with the representative and asked if they can assist me to help me keep my payments at least in the $ XXXX- {$50.00}, but the rep was very unprofessional and explained the process if payments are late and the APR goes up, she basically told me " I don't know what you want me to do '' even when I asked if I can keep my payments at a payment that I can afford. Long story short I told her I can't afford these payments and if you are willing not to help me to keep my payments at an affordable rate to send my balance to a collections agency, all she said was " okay that's fine, best of luck to you ''. Not only am I receiving a high payment, but very horrible and unprofessional customer service from XXXX. Please be aware for anyone who is considering getting XXXX XXXX XXXX.
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

2018-01-29

Gloucester City, NJ

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

2018-01-29

Port Chester, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the 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

2018-01-28

Mill Valley, CA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: 1. 30/60 days past due, negative credit report, I never received phone calls with a live representative or automated message, Last name was spelled XXXX ( incorrect spelling ), Barclays Bank Delaware 2. 30/60 days past due, negative credit report, my children misplaced the mail/ I never received any follow-up from the company to collect payment, XXXX XXXX credit card 3. 30/60/90 days past due, negative credit report, Not my account/ name is incorrect XXXX XXXX XXXX is not me/ I never received any follow-up calls, XXXX XXXX 4. 30/60/90/120 days past due, negative credit report, I requested the company to close this account and assistance to create a payment plan, but received no follow-up, I eventually paid it in full due to no response, XXXX XXXX XXXX 5 . 30 days past due, negative credit report, my wife is in charge of this account, not me/ I asked the company to change the contact info, but they never did, XXXX XXXX 6 . 30 days past due, negative credit report, This is my wife 's vehicle in which she wrote a check and sent it in prior to the major holidays. After receiving the notice of this late payment, we called XXXX and explained what we did. The representative stated they received the check, but did not deposit it till after the holidays and said they would not report this as a late payment-it still reflects it on my credit report, XXXX XXXX XXXX 7. 30/ 60 days past due, negative credit report, My wife was responsible for this account, the vehicle was a gift. My wife became delinquent due to XXXX XXXX around that time frame. This was brought to the attention of the creditor, but we never received a follow-up solution, XXXX XXXX XXXX 8. 30 days past due, negative credit report, I have never been late on this account/ support. I made the mentioned payment on a Friday late afternoon in which that following Monday was a holiday. I called the representative and explained this matter. She agreed that it was a mistake and provided advise on payment delivery. The representative stated this would not affect my credit, but it reflects on my report, XXXX XXXX County D.A. 9. 30 days past due, negative credit report, Old account that I disputed with the company years ago. The representative stated they would remove this from my credit report, but it is still there. XXXX XXXX XXXX 10. 30 days past due, negative credit report, Not my account, I am not familiar with this company. XXXX XXXX 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

2018-01-28

Stamford, CT

Other features, terms, or problems

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

Other problem
Complaint: The online login/encryption process for XXXX XXXX does not allow ( or blocks ) external applications from accessing my financial information contained on the XXXX XXXX website. As a result, XXXX ( external application/website ) can not access on my behalf to manage these finances. Furthermore, XXXX was unable to offer a solution to this access issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-27

Ft Belvoir, VA

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit card
Complaint: I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-27

Ridley Park, PA

Getting a credit card

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

Card opened as result of identity theft or 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

2018-01-26

New Orleans, LA

Other features, terms, or problems

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

Other problem
Complaint: XXXX XXXX is not allowing its users to see their balance in a secure third party app. It is largely inconvenient, but aside from that, users have the right to access this information in any way they see fit. It allows users to get an overall view of their financial situation and without access to this data, makes managing credit almost impossible. Further, it makes users think twice about keeping a credit account with banks who do not allow this access. Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-26

Jupiter, FL

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: Good afternoon, I am making a dispute against Barclays Bank Delaware , XXXX XXXX XXXXXXXX And XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from These banks to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-26

CA

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: My wife and I purchased the " Sampler '' package in XXXX XXXX on XX/XX/XXXX for {$2900.00}. We opened a XXXX XXXX Barclaycard Mastercard to pay the amount off over time. Our first trip utilizing these points was to the XXXX XXXX, XXXX XXXX in XX/XX/XXXX. Our second trip utilizing these Sampler package points was to XXXX, Hawaii where we purchased XXXX points on XX/XX/XXXX for {$13000.00}. We again used the Barclaycard when the sales team informed us that we could again use 6 months interest free financing. XXXX sales agent XXXX XXXX said we would be able to book one to three weeks anywhere if we purchased XXXX points. In our case, this was not just about finding desirable places to vacation. This is because of our son 's XXXX XXXX. He is on a XXXX XXXX so can not fly. We need places closer to home that have the space and amenities needed for all of XXXX equipment and within driving distance to medical facilities, or back home, in case of an emergency. After we had access to the booking site we learned XXXX points will not get you a stay anywhere as we could not find resorts near medical facilities close enough to our home. At an update at XXXX XXXX in XXXX XXXX XX/XX/XXXX, after we complained about availability, the XXXX sales agent XXXX XXXX said, Hawaii lied to you. You cant go anywhere for XXXX points. Foolishly, we believed the XXXX agents when they said they could take care of us. We purchased XXXX additional points for {$18000.00}. This gave us a total of XXXX annual US Collection points after moving XXXX points from the HI Collection. Again, we were assured that we could use our Barclaycard, which now has a balance of {$10000.00} ( Barclay said this is the amount left from the XX/XX/XXXX purchase ). {$7400.00} additional was placed on our XXXX XXXX XXXX and {$610.00} on our debit card. Our XXXX and debit cards are paid off. We were told that the only way out of the HI Collection was to upgrade to the US Collection. They said the HI Collection was going to have a {$1000.00} plus assessment for damage to shores and that in Hawaii maintenance fees Increase 10 - 14 % every year, even though in Hawaii they told us Hawaii maintenance fees increase on average only 6 %. XXXX said that she was legally obligated to tell us that the maintenance fees increase only 2 % because the US Collection is a part of a trust, so the more people that join the trust, the lower those fees would be. However, she specifically said, " I have the same plan, and my fees went down last year. '' She reiterated that the only way to get out of the HI Collection was to upgrade to the US Collection. XXXX listed several places we could stay that were close to home due to XXXX needs, but again, when I logged on to the booking site after we purchased, we could not book at those resorts because it is a " different inventory '', as the Customer Service representative informed me of for the first time. However, I could not rescind the sale because I did not get access to the booking site until after the escrow period ended, which was about 30 days. I was not able to see past XX/XX/XXXX until XX/XX/XXXX, well after the rescind period. After calling customer service numerous times I finally reached a representative that said, Im with the Platinum desk so I can pull strings. She found the XXXX XXXX location which was a very desirable option, one we were shown in the presentation, but it required XXXX points. This would have taken 3 years to acquire enough points. XXXX also said we could get an extra XXXX ghost points that would upgrade us to Silver status by saying we owned an XXXX week. She instructed us to just nod to the Q & A person when they ask about XXXX and we would be able to get the extra XXXX points, but not to say XXXX told us because, You might get me fired if they find out, but that way youll get another XXXX points. XXXX said we could purchase an XXXX week at XXXX XXXX for {$500.00} - {$600.00} and then trade it in to XXXX for XXXX points. She said this was one of the tricks that sales agents could give to customers. XXXX said with Silver benefits we could have food stocked and luggage forwarded. This was a tremendous benefit because of XXXX needs. However, when I read about these benefits after the escrow period, the luggage benefit cost additional funds and the food service was not available at the Silver level. We asked about what would happen if we could no longer use the points and were told XXXX will work something out to help you. We were told XXXX has a website where you can sell points. We were very concerned about being locked into a contract with no way out, and were assured that we could sell our timeshare if it did not work for us. Again, due to the limited access to our account because of being in escrow, I could not see past XX/XX/XXXX, so could not have known about limited availability or inventory until after my account was reestablished. I would have rescinded immediately if I had been able to see that we could not use our points as promised. A letter was emailed to XXXX XXXX Customer Advocacy on XX/XX/XXXX, but have not yet been contacted by the company. I last contacted Barclaycard on XX/XX/XXXX and spoke XXXX in the Office of the President, but she said that there was not much she could do since I signed contracts with XXXX XXXX. However, she did say she was looking into the matter. I filed a dispute with XXXX on XX/XX/XXXX, and they said they would look into it. I called to file a dispute with XXXX XXXX on XX/XX/XXXX, but could not make an official dispute until XX/XX/XXXX after waiting to hear back from XXXX XXXX, which I have not as of 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