BARCLAYS BANK DELAWARE

2017-11-16

Co Spgs, CO

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

2017-11-15

Houston, 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: Barclays said they were offering relief to people affected by Hurricane Harvey and were automatically applying a 60 day freeze on payments. I noticed that Barclays had not done this on my account because they had been calling to collect a payment during this time frame. I spoke to a supervisor and was told they 'd retroactively apply it to my account allowing me to essentially skip payments in XX/XX/XXXX and XX/XX/XXXX. Yet they reported my account 30 days late, and keep harassing me to pay. I 'd like them to honor their agreement and I begin paying again here in XX/XX/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

2017-11-15

Naples, FL

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

2017-11-15

Baton Rouge, LA

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

2017-11-15

Fleming, GA

Other features, terms, or problems

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

Add-on products and services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-15

Houston, TX

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2017-11-15

Independence, MO

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

2017-11-14

Federal Way, WA

Other features, terms, or problems

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

Other problem
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXXBarclay Card- Executive Office XXXX XXXX XXXX XXXX , DE XXXX Greetings : In early XX/XX/XXXX, I signed a contract with a company called XXXX to purchase equipment that was difficult to obtain. They would add money to my Barclay Card visa account, and I could use that money to make purchases and send them away. On that basis, I agreed to make the purchases for XXXX and send them off. I was given a XXXX XXXX business account number of XXXX with the name XXXX. From that account, money was added to my Barclay Card in the amount of {$20000.00} on XX/XX/XXXXand I checked online and was assured the money was there. I then made purchases and sent them off. Money in the amount of {$16000.00} was added on XX/XX/XXXXand again I made purchases and sent them off. On XX/XX/XXXX, the first two of these payments were reversed, leaving me stuck. I feared that the second would be reversed and called Barclay Card asking for them not to let that happen, but even so it was reversed posting XX/XX/XXXX I believe that Barclay Card has some responsibility here. I know that checks that are cashed then bounce later, but I did not know that money could be transferred online from a valid account with sufficient funds and then reversed many days later without a court action. Ill bet this happens many, many times. I believe this makes both XXXX XXXX and Barclay complicit in fraud, as I believe that this been happening in this way for a long time. I had someone check and literally hundreds of packages are sent daily to the address I shipped packages to, and I believe all of them are shipped by people like myself who are paid to a Barclay account that allows the account to stop payment many days later, thus helping fraud happen. Had I known that it was possible for this payment from a XXXX XXXX account to a Barclay account to be stopped in this way, I would not have made and sent those purchases. It should not be possible for someone to reverse a payment after many days simply by pushing a button. Commerce in the US would stop! Anyone stopping a payment should need to get a court order to do so. I think Barclay should have some kind of system set up to investigate when this happens often. By allowing many, many of these kinds of reversals without a court action, XXXX XXXX and Barclay are complicit in allowing this kind of fraud to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-14

Denver, CO

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-14

Santa Ysabel, CA

Other features, terms, or problems

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

Other problem
Complaint: I am trying to access my account data via a website for monitoring and Barclay is blocking access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-14

Greenfield, WI

Problem when making payments

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

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

Timely Response

2017-11-13

Cordova, TN

Fees or interest

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

Charged too much interest
Complaint: In XXXX XXXX, I accepted a credit card from Barclays Credit Card Company with a {$4000.00} limit. I paid every month ( never missed a month ) most times over the minimum amount until I lost my job in XX/XX/XXXX. I continued to pay until XX/XX/XXXX. However, with the astronomical interest rate of 22 % I have not been able to keep up the monthly payments which were over {$100.00} or more monthly. Because of this high interest rate and other charges, I am sure I have paid well over {$6000.00} on a {$4000.00} loan. I contacted the credit card company, asking for a lower interest rate, therefore a lower monthly payment, or a settlement of the account. I was told that I was not eligible for any of these options, and I was not offered any recourse. I am XXXX years of age, not in the best health, and only receive social security benefits and a small pension. I certainly do not want my social security benefits garnished as this is all I have to live on. It has been so hard finding work. I have interviewed and not called back for the jobs. I think it may be because of my age, or credit rating. of course I can not prove this. Any advise you can provide will be greatly appreciated. I am now 3 months behind on the credit card. Sincerely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-13

Charlotte, NC

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

2017-11-13

Sandy Hook, CT

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: Initial credit limit was XXXX I opened account 15 months ago, paid on time every month usually more than is due and usually to cover any interest charged Back in XX/XX/XXXX and again XXXX they have decreased my limit each time by XXXX and have reported the decreased limit to the credit bureau causing my credit score to be damaged I called and was told its based on my overall credit balance off all combined creditors the reserve the right to decrease my limit. Every payment has been made on time. I said to them I understand not raising my limit but do not feel the decrease and negative reporting to the credit bureau is fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-13

Butte Creek, CA

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

2017-11-13

Boulder, CO

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 have not been receiving the XXXX XXXX Reward Points posted to my XXXX XXXX account by Barclays the issuer of the XXXX XXXX Visa Card. I have been awarded unposted point totals of XXXX on XX/XX/XXXX, XXXX points on XX/XX/XXXX XXXX points on XX/XX/XXXX and XXXX on XX/XX/XXXX. I I sent the company an e-mail on XX/XX/XXXX, but the company has still not addressed the 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

2017-11-13

Gary, IN

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

2017-11-13

Palos Park, IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Barclaycard is currently reporting that I owe a balance for this card. I have requested proof/validation for the account. Barclay continues to send me their company 's credit card agreement statement. I have not received any documentation with my signiture starting that I agreed to open and acccount with Barclaycard.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that Barclay provide me with competent evidence that I have any legal obligation to pay you. Barclaycard is currently reporting invalidated information to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-12

Wascott, WI

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 non-monetary relief

Timely Response

2017-11-12

Lewisville, TX

Other features, terms, or problems

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

Other problem
Complaint: Barclaycard blocks us from enabling external account access. It causes me to not link XXXX, XXXX, XXXX, and other apps.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-12

Tucson, AZ

Fees or interest

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

Problem with fees
Complaint: Sampler points XXXX {$2900.00} Down payment : {$0.00} Used three nights so far. We purchased a Sampler packageXX/XX/XXXX A Barclaycard was used to make the purchase. The card is only in my name but XXXX and I are both on the purchase agreement. We agreed to this purchase only because we had the agent XXXX XXXX at XXXX XXXX XXXX XXXX XXXX in XXXX. We turned down XXXX XXXX. They brought in a second agent. They brought in a third agent, XXXX XXXX, who offered us the Sampler for {$30.00} dollars a month for 18 months and said there would be no down payment required. We repeatedly verified with XXXX that we would have NO down payment and would pay only $ XXXX for the 18-month period. The agents specifically asked us, What if it was just {$30.00} a month for 18 months and no down payment. This would mean our total purchase would be {$540.00}. They checked boxes on the agreement underneath the {$2900.00} that stated 1. No down payment due and 2. No balance due - so we felt assured this was a promotional package that would cost us only {$30.00} per month for 18 months. The first payment of {$30.00} was in XXXX XXXX. I noticed in XXXX XXXX the minimum payment increased from {$30.00} per month to over $ 75 month. I contacted Barclaycard. After reviewing the contract they explained no down payment means XXXX was paid in full by XXXX. In other words, it was a loan but no terms were stated. My balance is {$2800.00} as of XXXX. Because of our personal income and expenses I would have not purchased this product had I known or been informed of the actual terms. XXXX XXXX has been issued an Assurance of Discontinuance by the Arizona Attorney General accused of violating Arizonas Consumer Fraud Act. I understand that in Arizona alone there have been over 900 complaints from XXXX members about predatory sales and lending practices. In addition a lawsuit has been filed in federal in Nevada against XXXX for a XXXX dollars. This predatory lending needs to stop. I am hoping the Consumer Financial Protection Bureau will help us resolve this situation as I am not able to afford this product after being deceived into buying it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-12

AL

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: On XXXX XXXX, XXXX, I pulled a copy of my credit report and found 2 inquiries that I didnt authorize, 1 of which was dated XXXX XXXX, XXXX. These alleged inquiries have caused a drop in my credit score. I have reached out to both companies to have these removed to no avail.
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

2017-11-12

Albuquerque, NM

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

2017-11-11

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I 'm writing this grievance in regards to Barclay Bank XXXX credit company. I recently check my credit report and realized there was an account that I did not open. I contacted the credit bureaus and Barclay through certified letters and asking for the documentation that shows my signature that I applied and signed on this account. Barclay has yet to send those valid documents but were sending the credit bureaus this inaccurate information. They in returned sent me billing statements that I knew nothing about. I have tried to resolve this issue for the last 60 days and they keeping saying its me without the proper documents. I have made a claim with the BBB on them also. As a consumer I 'm just trying to clear up this issue and moved forward. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-11

Raymond, NH

Other features, terms, or problems

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

Other problem
Complaint: Previous credit line : {$20000.00} Current credit line : {$5000.00} at one point it was at {$1000.00} on XXXX/XXXX/XXXX I paid my full balance of {$19000.00} after being a Natural Disaster victim of XXXX XXXX. My business in XXXX has suffered with all my contractors in the center of the storm with all my inventory. Anyways, I called XXXX XXXX XXXX in regards to my situation and it got dismissed. Then before I paid I saw my credit line still at {$20000.00}. So I decided to pay my balance to free up my available credit. By doing so, Barclay decided to reduce my card line to {$1000.00}. After frightening seeing that I called and after a long call they increased it to {$5000.00}. Barclay never notified me in any way ( mail, phone call or email ). Please help increase it back to {$20000.00}. I called again and they refuse to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response