BARCLAYS BANK DELAWARE

2017-12-17

NY

Getting a credit card

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

Delay in processing application
Complaint: On XXXX XXXX, I applied for a Barclaycard XXXX Credit Card with XXXX Rewards. Application # XXXX. This is a promotional, interest free program. Barclaycard sent me a letter which states " We have reviewed your application and determined that additional information is needed before we can process your request. - Please send a copy of your Driver 's License/State ID, Social Security Card, and a current original utility bill or bank statement with your name and address. Please respond within 30 days of the date of this letter by sending in the requested documentation below. If we do not receive a response within 30 days we will be unable to give your application further consideration. '' I am already a Barclaycard customer, and have a XXXX XXXX XXXX XXXX XXXX card with the company. They have verified my address, they know my social security number, and I have my card statement coming to the exact same address as is listed on my application. I called the company on XXXX after receiving the letter and was told that this requirement will not be waived, that despite my already being a customer I need to either mail or fax the documents in ( I can not email them, in XXXX there is no way to securely upload them either as part of the application page. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-17

Murrieta, CA

Improper use of your report

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

Reporting company used your report improperly
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

2017-12-17

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

Timely Response

2017-12-16

Lafayette Hl, PA

Fees or interest

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

Unexpected increase in interest rate
Complaint: I have owe XXXX on my XXXX XXXX, have messaged them and called them and getting no ware. My credit has dropped from XXXX down to XXXX. I have been making payments early each month and suddenly my credit score dropped and they are telling me I am not paying the full amount each month. I am requesting to have this interest rates lowered and the fees taking off immediately. I am not at all happy, struggling financially, in low income housing, had to apply for medical assistance and food stamps. I pay my bills all early and now XXXX messed up my credit score. I am not happy at all with them and need to speak to someone on this issue please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-16

East Rockaway, NY

Fees or interest

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

Charged too much interest
Complaint: Note : Grandpa'sspacebarisbroke.Facts : XXXX, XXXX @ CALSTATfor $ XXXX & XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ 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

2017-12-15

Jupiter, FL

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Installment loan

Complaint: On the XXXX of XXXX, Barclay Loan received a cashiers check from XXXX XXXX XXXX in the amount of {$18000.00} to pay off the Barclay Loan. We did this to get a much lower interest rate which created a savings of {$7000.00} for us. Barclays cashed the check on the XXXX of XXXX XXXX. We went the check by XXXX and have the tracking number where Barclays received it. I have a copy of the check that was sent and the back and front of the cashed check. Barclays is claiming the can not locate the check, and therefore can not clear my account. They are also sending me late notices on payments. They know they have the check but refuse to credit my account until they can locate in their system. Since I have proven that they received and cashed it, I feel they should clear my account and do whatever they deem necessary on their end to located they payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-15

New York, NY

Managing an account

Checking or savings account: Checking account

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

Timely Response

2017-12-15

Ashwaubenon, WI

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

2017-12-14

NY

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 has on their website that users of the XXXX card ( which I have ) get XXXX points per dollar spent on XXXX purchases if you use their special " affiliate '' link. So, every time I shop on XXXX, I make sure to click that link. Eventually I noticed that almost none or very few bonus points would show up. I have called XXXX, they told me to wait a month. A few months go by and still no points. I call again, and they tell me to call barclay card. I call barclay card and they tell me that I need to call XXXX. I call XXXX, they tell me I need to call XXXX. It has been months and I still do n't have a resolution. In addition, XXXX customer service reps have been incredibly rude about this and say things like " maybe you do n't know how to do it correctly ''. I spent over {$32000.00} on the card in a few months and the fact that I am treated like this is a joke. I am about to cash in my points and cancel my card, my XXXX service and never use barclay card or XXXX 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

2017-12-14

New Britain, CT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-14

Coram, NY

Trouble using your card

Credit card or prepaid card: Store credit card

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-14

Okc, OK

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 had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX and then escalated again to XXXX XXXX XXXX. I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-14

Main Office, VA

Getting a credit card

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

Sent card you never applied for
Complaint: XX/XX/XXXX - Applied online ONCE for Barclay Card/XXXX XXXX XXXX card ; immediate approval shown online for {$20000.00} Limit ; there was no time out or multiple submission XX/XX/XXXX - SIX separate mailings arrived with SIX separate card numbers and welcome packets XX/XX/XXXX - Two calls to Barclay ; both associates stated they had never seen this situation, authorization to speak with my wife ; left vmail with reference number XX/XX/XXXX - Called Barclay back ; numerous associates could not assist initially with issue ; explained primary concern is that this will impact Credit Bureau Reporting and requesting in writing the resolution - one unhelpful associate even said they do n't report to Credit Bureau and I had to say that could not be accurate. Finally another associate stated all other cards were closed except the one card ending in XXXX ; made one purchase online to satisfy promotional requirement of one purchase to obtain the XXXX XXXX XXXX miles promotion XX/XX/XXXX - Received SIX welcome emails between XXXX and XXXX ; the FIVE other cards could not have been closed. Attached : picture of all SIX welcome packets and cards as well as screen shots of the SIX welcome emails ( two days after told other FIVE cards were closed )
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

2017-12-13

Stafford, VA

Incorrect information on your report

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

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

Timely Response

2017-12-13

South River, NJ

Written notification about debt

Debt collection: I do not know

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

2017-12-12

Mabank, TX

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 am a card member with Barclaycard, specifically their XXXX, XXXX card. On XXXX XXXX, XXXX, at XXXX PM, I called XXXX and followed the requested prompts which connected me to Agent, XXXX ( they claim that they do not use names, only " code '' for identifying their agents ). I was calling to request that they assist me in cashing in XXXX of my XXXX for a {$250.00} XXXX gift card as reflected on their website. The agent claimed that he was unable to process my request and put me on hold for an extended amount of time and next thing I knew, the phone was ringing and an agent with XXXX was on the line. The XXXX XXXX and I briefly discussed my request to redeem my card rewards and agreed that I needed to discuss the request with Barclay not XXXX and he was unable to transfer me back to them so he confirmed that I had their telephone number. I immediately called the telephone number referenced above and reached Agent, XXXX who was actually the person that identified that my original call had been intercepted by a third party so not only my personal information but my card information was fraudulently obtained by an unauthorized party. He then assisted me with closing out the card and issuing me new one. He stated it had to be a third party due to the fact of the XXXX {$15.00} pending charges reflected on my account. He then explained that the pending charges would not happen if my request had been handled internally. At that point, we were at a standstill because I was waiting on my new card to arrive in the mail and we agreed that once my new card was received, I would call XXXX their Manager Line to activate my card and request the reward redemption again at that time. My new card was delivered to my house VIA XXXX sometime Saturday, XXXX XXXX, XXXX. On Sunday, XXXX XXXX, XXXX at XXXX, I called the Manager Line and spoke with Agent, XXXX who assisted me in activating my new and then we again attempted to redeem my rewards as stated above and she too was unable to complete my request. She then stated that she would escalate the issue to the Rewards Redemption Department and provided me with Case # XXXX. As of today, XXXX XXXX, XXXX, I had not heard from Barclay so I again called the Manager Line and spoke with Agent, XXXX at XXXX. I explained my situation to her and requested that she assist me with my request and she stated it could take up to 30 days for them to resolve my case. At this point, I expressed my frustrations to her and she claimed to attempt to process my reward redemption and was of course unsuccessful. I then requested the case number for the issue of my personal and card information breech and she stated that anyone investigating the case can request to speak with the Security Department. Screenshots of my call log, XXXX gift card options offered via their website and XXXX Total were all emailed to XXXXXXXXXXXX on Thursday, XXXX XXXX, XXXX at XXXX and 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

2017-12-12

South Florida, 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: Dear company on XXXX XXXX, 2017 I noticed that a recent inquiry from your company was placed on my credit file. I received several alerts in my email showing me the inquiries and what companies. I am unaware of the inquiries and I am now working with an investigator to assure nothing more occurred during the inquiries that would cause me and my credit more problems. Seems like this has happened in the past due to a credit breach and fraud. I dont know if this was a mistake or an error this is very frustrating for me and I am in distress because Im not sure of where these inquiries came from but my job is to make sure that this wasnt an inside job with your company, and the credit bureaus. I am leaning towards taking legal actions on your company, the credit bureaus and whoever is involved with this matter. I have contacted the FTC, the attorney general office located in XXXX County also be aware that you will receive legal documents pertaining this matter soon. I have attached a letter to the file, please read the letter. I am in the process of getting ready to purchase a home by the end of this month and I am XXXX something like this occurred at this time. Sincerely 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

2017-12-12

Hamburg, MN

Problem when making payments

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

Problem during payment process
Complaint: I would like file a complaint with Barclaycard bank last week I made payment to the bank online as I always do however I made 2 payment on the same card so I placed a call to Barclaycard bank to see if I could get one of the two payment transferred but I went Thur XXXX to even make that happen and never did get the payment transfer so XXXX Barclaycard bank went and decreased my credit limited for no reason that is really really poor business im Trying all my heart to pay these XXXX up in full and not use there card again with take my business some place else if I didnt think I would ruin my credit I would pay them up in full and not even do business with them got alert on my credit report today they were very quick to report to the reporting agencies now I ask barclay I dont really give a rats XXXX about the descrease I have paid that card down to XXXX and XXXX bucks and will be payin that up here very very very soon but Barclaycard needs to report that that balance is not correct XXXX XXXX XXXX bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-12

Portland, OR

Problem when making payments

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

Problem during payment process
Complaint: XXXX has failed to process my payment, as outlined in a letter sent to them on XXXX XXXX ( following, with name of banking institution deleted ). They keep sending one line " unable to locate '' and " unable to resolve '' letters, and keep adding charges. -- -- -Beginning of letter I dispute all the charges reflected on the attached bill. This credit card was not activated until XXXX XXXX, 2017. There can be no valid charges before this date on this account. I had a previous Barclay credit card, a XXXX XXXX card. I called to cancel the account because I didnt want an annual fee. I had already sent check # XXXX on ***** on or about XXXX XXXX for the full amount due on that card ( {$55.00} ). XXXX still has that check. It has never been tendered to my bank and it has not been returned to me. I was offered this new card with no annual fee and I accepted the offer. I was notified that my payment was overdue because Unable to Locate. When I called to inquire, I was told that my bank had been unable to locate my checking account on which the check was drawn. On XXXX XXXX, I went to the credit union ( where I have banked without incident for more than 20years ) and learned that the check had never been presented to them. That day, from the credit union, with the manager and my checking account numbers at hand, I called XXXX. XXXX told me that XXXX had been unable to process my payment because they did not know to which credit card account it should apply. At the urging of the XXXX agent on the phone, I provided all the information required to process the payment by phone instead of by check. He processed the payment and gave me the reference number XXX. When I finally activated the [ new ] card this morning, I saw Purchases of {$110.00}, and interest charges on overdue payments. I again called XXXX and spoke with XXXX, representative XXXX. She confirmed XXXX receipt of check # XXXX and of the phone payment under reference # XXXX. I cancelled the new XXXX account on which there has never been a charge. You still have my original check plus the reference number showing my good faith effort to remedy your error by providing a substitute payment by phone. The telephone number for XXXX XXXX XXXX is XXXX if you need help figuring out how to process one of the referenced timely payments. It is an unlawful debt collection practice to attempt to collect a debt that is not due. I expect no further collection attempt or adverse credit action. XXXX End of letter This week I received a new bill, this time for {$82.00}.
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

2017-12-12

Homestead, FL

Trouble using your card

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

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-12

Kingstree, SC

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

Timely Response

2017-12-12

Uniontown, OH

Fees or interest

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

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

Timely Response

2017-12-11

Bloomfield, NJ

Written notification about debt

Debt collection: Other 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

2017-12-11

Waipahu, HI

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
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

2017-12-10

TX

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: On XXXX I went in to work and was told that a man named XXXX had been repeatedly calling and asking for me. My co workers stated they would tell him that I was off, and he would call back an hour later. He called several times a day over the course of 2 days that I was off. He called around XXXX pm, and I answered the phone. He told me was with XXXX XXXX and he was trying to collect a debt. I asked him to not call me at work, and he stated he was unable to get a hold of me on my personal phone, and he was left with no option. I told him I would call him after I got off work, asked for his phone number. I then hung up. He immediatley called back to my work, and said if I take care of this today the calls would stop. I am steady asking him not to call my work. He continued to say he would call as often as necessary to get this debt taken care of. I literally begged him to leave me alone, I said I can not do this at my job. I agreed to the terms he requested for repayment and said I will call after I get off to set this up. I told him I do not have my bank account information with me. He said that he would not get off the phone until he had set up payment arrangements. He then started to read my credit report to me, and asked what my employer would think about it. At this point I am XXXX, and said you are going to make me XXXX XXXX XXXX. He responded, that 's not necessary, just take care of this and the calls will stop. I did not have my banking information to set this up, and I could not hang up or he would call right back. All of my co workers and boss were looking at me, I just stopped talking. He eventually hung up on me, and did not call back that day. He had me on the phone at my work for over 30 minutes. I can not lose my job, and I am terrified the calls will start again Monday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response