BARCLAYS BANK DELAWARE

2017-12-10

Lewisville, TX

Incorrect information on your report

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

Account information incorrect
Complaint: I have a late pay on XXXX 2017 I have sent them a letter explaining why the bill was paid late Still waiting to here back from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-10

IL

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

2017-12-09

Harrisburg, PA

Problem when making payments

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

Problem during payment process
Complaint: Juniper, a branch of Barclay, refused to unlock my online account because i did not have a copy of my physical credit card. My account became locked because, while logging in to make my timely monthly payment, i forgot my password and when i attempted to reset it i was expected to know my account number which is not printed on my statement. I called and explained that i have destroyed my card so that i do not use it and i asked them not to send me a new card because it could be intercepted in the mail. I have an ex husband that has stolen peoples identities in the past. They told me i can not make online payments any longer and that i can call every month to make my payment because i will not allow them to send me a new card and without a card i can not get my online access password reset. For the remaining time i have a balance with them, i can not check my balance or transactions online. Customer service and the customer services member 's supervisor and the escalation manager all stated that it is their policy that i have to have a card. I explained that there are a number of ways to verify my identity in a secure fashion and DEMANDING i have a physical card to reset my online password is ridiculous. I said they could send me a piece of mail to my home address, i said you could text me a new password or email me a new password, however, they insist that i will now always have to make my payments and check my transactions by phone or by paper. i said it is standard, in XX/XX/XXXX, for companies to have online systems customers use and they are blocking me from having standard access because i will not allow them to send me a new card, however, they said it is their policy and there is nothing they can do about it. I have been making payments and not using my card for probably 2 years and i believe i have not been late, however, none of this mattered ; they insist i allow them to send me a new card. i believe this policy exists to entice people into ensuring that people like myself who are trying to get out of credit card debt have copies of their cards so that they are more likely to use them. I am sure statistically people who have a card in their wallet are more likely to use credit services than if they do not have a card. I also believe this is a way they are attempting to earn late fees from an individual that is trying to get away from their company by making it difficult, and non standard, for people to make payments. I locked myself out of my account last week XX/XX/XXXX to around XX/XX/XXXX. i wanted to see if i had already made my XX/XX/XXXX payment or not when my online account became locked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-09

Boulder, CO

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX I changed the bank account that my XXXX XXXX XXXX XXXX used for automatic payments. I never ended the automatic payments ; I only changed which account they are paid out of. The company is claiming that there is a one month delay in automatic payments whenever a change is made, which is disclosed in tiny print when you update your account. I did not see this note. My payment was due on XX/XX/XXXX, because of the one month delay from the change of account a payment did not occur. I saw this on XX/XX/XXXX and immediately made a manual payment for the full statement amount. They have now assessed me a {$25.00} late fee and {$48.00} in interest. All of this occurring while I have been continually enrolled in automatic payments. I contacted the company and they are unwilling to do anything about sending me multiple form responses. Their system is clearly set up to make changes to automatic payments confusing and hope that they can then collect a late fee. I find this to be dishonest and unacceptable. I just made the same account change with another card company and there was no one month delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-08

Albion, NY

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: Thank you for having such an important way to protect people from Banks. I am filing a complaint against who XXXX XXXX, and how they handled my financlal hardship due to a Medical condition. I tried for over 6 months to get their attention to help lower my payments and stop the late fees and lower my interest rate. I have had this card for over 30 some years. It started 2015, I contacted this bank over 20 times to help me with reducing my payments and APR. I have been locked out of my account and sent to collections. I have names, telephone numbers and .. we are talking about XXXX .. This card was used for a divorce, and moneys while divorcing, moving, managing a child with XXXX and fighting my own XXXX issues ... XXXX Doctors, over XXXX in out of pocket XXXX expenses, XXXX XXXX visits. I have made on time payments for over 30 years and last 7 months I stop making full payments to get their pathetic attention. I was lied to, insulted and treated less than anyone who is trying to pay their 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

2017-12-08

Incorrect information on your report

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

Account status 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

2017-12-08

Boston, MA

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/XXXX I attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-07

Eden, IN

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

Timely Response

2017-12-07

Bethel, WA

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

Timely Response

2017-12-07

Sherrill, NY

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2017-12-06

Bedford Park, IL

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

2017-12-06

Oxford, GA

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: There are multiple credit inquiries that I did not authorize on my credit report by the creditors. I sent letters to the credit card companies as well as the credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX notifying them that I never authorize my credit to be pulled. I sent to XXXX advising that the following hard pull inquires are not authorize by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX Barclays Bank XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX 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 explanation

Timely Response

2017-12-05

San Francisco, 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: on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the investigation was still in process. The investigator told me that the chip was activated on the card and since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.
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

2017-12-04

Atlanta, GA

Other features, terms, or problems

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

Other problem
Complaint: I have had ongoing issues with the servicing of my XXXX XXXX XXXX XXXX XXXX XXXX for almost four years. I have provided great detail in the attached document to assist Barclays in understanding the depth and breadth of the issues, but to summarize for the purposes of this submission form, my complaint pertains to the following : 1 ) Incorrect credit card numbers tied to my account ; 2 ) Incorrect persons named as the primary and authorized users on my account ; 3 ) Refusal of Barclays to update my name on my account to my married name despite my having submitted all required documentation ; 4 ) Years of website issues constantly preventing me from accessing my account ; and months of new issues preventing me from using most features of my account. These issues occur regardless of browser and regardless of device. I can not see or print statements ; can not see or use earned miles ; can not pay my bill online, etc. IF I am even able to login, I get errors " Ooops! That was n't supposed to happen! '' or " Uh oh! Something went wrong. Please try again later ''. Again, you will find that I went to great detail in the attachment in providing background in hopes that it will assist Barclays in finally getting to the bottom of these issues. After four years of frustration and lost time, I hope to see resolution to all issues very soon.
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

2017-12-04

KY

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: There are many inquiries on my credit report that I did not authorize, XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX fromXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX from XX/XX/XXXX XXXX XXXX has multiple inquiries from XX/XX/XXXX-XX/XX/XXXXThis inquiries were never authorized by me and I would like them removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-04

Key Biscayne, FL

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

2017-12-04

Kemp, TX

Advertising

Credit card or prepaid card: General-purpose prepaid card

Changes in terms from what was offered or advertised
Complaint: About three months ago, I signed up for an XXXX XXXX XXXX XXXX XXXX issued through Barclays Bank. I received the card and started using it, then asked to have my wife issued a card as well. We both used the card and I attempted to set up online access to my account. I had problems with setting up online access. Basically, when I got to the " Select Security Questions '' it will not allow me to enter any of the 5 security questions. I tried three different browsers, two different computers, an XXXX, and my XXXX Phone. On XXXX XXXX XXXX I called Barclays and was referred to a web specialist ( XXXX ) who was in the XXXX. He was difficult to understand, but we got through the call and he had me reset cache, etc., to no avail. The ticket # is documented ( XXXX ). I asked him to have a manager call me back. I received no call back. On XXXX XXXX XXXX, after trying to set up online access again unsuccessfully, I called again and talked to XXXX, a manager who also tried to assist me, but could not. She then talked to the IT department, came back on line and told me it was a system wide problem. She gave me a ticket number which is also documented ( XXXX ). She told me to try again in a week or so. I had to arrange to have my statement emailed to me and they took payment over the phone. On XXXX XXXX XXXX, after trying again to set up online access, I called again and talked to XXXX. She seemed unaware of the problem, but then told me later after coming back on the phone that it was being worked. I asked for a manager to call me and never received a call back. I tried three times over the month to set up an online account to no avail ( same problem with not being able to get past the Set up Security Questions Screen. On XXXX XXXX XXXX, after trying again, I called and talked to XXXX. She was somewhat aware of the problem, but then had to go off line and find out what was going on. She came back on line and told me she had talked to IT and that the problem would be rectified on XXXX XXXX. I told her to put in my record that we would NOT be using the cards until this was rectified. Today, on XXXX XXXX, I tried again. I experienced the exact same issue. I called and talked to XXXX. She referred me to XXXX, a manager who was aware of the issue, but after doing some checking, he came back and notified me that the IT department now has selected a XXXX XXXX date for " resolution. '' I clearly told XXXX that the cards would not be used and that I was going to exercise my right to file a complaint with the CFPB. He then said, okay, let me get you to the next line of specialists. I was placed on hold for 20 minutes. A manager named XXXX came on an said that the issue was not resolved and they were working it. He looked at recent communications from the IT department and nothing was new. He then put me on hold and said he was going to check with one of his " Facilitators. '' I was on this last call for 55 minutes and had an appointment to attend to, so could not hold on any longer. XXXX did come back on the line and said he was still checking, could I hold. I told him I could not, but for him to call me back. He said ( like all others at Barclay ) that they can not make outbound calls, but did give me a number directly to his department. Identity fraud, data breaches and stolen cards are a major issue. The Barclays CEO and his staff should have this as a top priority. I am not sure he/she is aware of this issue. Perhaps the IT department is isolating this issue from being forwarded up the chain to save their own department personnel. I say this because of the seven or eight people who have tried to help, they were not aware of the severity of the issue.
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

2017-12-04

Blossom Valley, CA

Opening an account

Checking or savings account: Savings account

Unable to open an 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

2017-12-04

Noblesville, IN

Closing your account

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

Can't close 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

2017-12-03

Laveen, AZ

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 explanation

Timely Response

2017-12-03

Sarasota, FL

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I signed up with Barclay Mastercard with paper statements however somehow I was turned over into paperless statements and never received them thus making me late on payments. I called to resolved it takes them 2 monthly cylces to get caught up making them paperless. I would never intentionally sign up for the paperless statements. These statements went into my spam box.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-02

Fort Pierce, FL

Problem when making payments

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

Problem during payment process
Complaint: I am currently on hold with Barclay Bank. I made three payments over the past 2 weeks. 2 large payments have not been reflected in my account. I am quite concerned that my funds are being fraudulently spent at this point My case number is XXXX. They are missing a payment of {$100.00} and of {$500.00} that were both ACH payments from XXXX. We spoke in depth with the representative from XXXX who gave them the specific info they would need to locate my funds. My money is missing and I am quite concerned. I think something unethical and fishy is going on at this company. At this point, they say it will take 7 to 10 business days. That is ridiculous. Here I am a consumer trying to pay down my credit cards. I was in hurricane Irma. I need to buy a car and improve my credit and they somehow low my payments. At this point, I 'd like them to credit my accounts. Then I 'd like to close all accounts with them and not have it affect my credit. I need reliable creditors and not ones like them moving forward. They need to be investigated for 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

2017-12-02

Billerica, MA

Closing your account

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

Can't close your account
Complaint: I talk to Barclay card on XX/XX/2017 to try to active my credit card and they told me that my ss # do not Mach with the information that I give them ( but they send me the card ) because I do not fell secure on this credit card I want to cancel, but know they want to get this documentation from me to be able to cancelled, my ss #, my drive licence, an a house bills. I call them and I find out that they are not in the United stated, and I do not want to send this information out of here, but they charging me {$99.00} dollars without using the card I get involve to this card XXXX XXXX XXXX card and this is manage by Barclay 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

2017-12-01

Lake Balboa, CA

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

2017-12-01

Glendale, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response