BARCLAYS BANK DELAWARE

2017-11-03

Delray Beach, FL

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Colts Neck, NJ

Getting a credit card

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

Delay in processing application
Complaint: XXXX mailed me a form that said I was pre-selected for their Arrival+ card. I would earn XXXX bonus miles after spending {$3000.00} in the first 90 days. Apparently, their pre-selection process is not very good because they eventually sent me a letter requesting additional information. I had to call them to find out what. Annoying. So the person on the phone informs me that they need photocopies of my driver 's license and Social Security card and a bank statement with my address. //////////////////////// The person also informs me that the XXXX mile deal has expired AND that they 've already done the hard pull. So XXXX has now harmed my credit and taken away the bonus that was the reason that I applied in the first place. All due to their fake pre-selection process ( which is really just spam ), their business practices of doing a hard pull before getting the information that they need, and their own sluggishness. //////////////////////// I sent in the info anyway because, oh well, they already did the hard pull. This was on XXXX XXXX. //////////////////////// Then on XXXX XXXX, I received a letter asking me to send in that same additional information. I went to their website and they have a feature to check my application status. I put in my information and the message is, " Currently we are unable to offer you a credit card issued by Barclays Bank Delaware. '' This has nothing to do with my creditworthiness. I have a job that pays well, no debt, no mortgage, a nearly perfect credit history, a FICO score in the high XXXX, and I have never been rejected for a credit card. This is n't even a very good one. This is due to their complete mismanagement and spammy credit offers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

Oakland, CA

Getting a credit card

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

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

Timely Response

2017-11-02

MA

Fees or interest

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

Problem with fees
Complaint: This complaint is about XXXX card. I have a XXXX card which was due on XX/XX/XXXX. My daughter handed it to me today, XX/XX/XXXX. I called XXXX immediately to make the payment in full of {$4500.00}. I respectfully requested thats the late fee which was being assessed Be removed from my bill.I had the money and was intending to pay the balance in full as I have consistently done since I have had the card. Apparently, the bank has a policy of not forgiving the late fee more than once no matter how good a customer is or whether the bill was delayed unintentionally. I do not think I deserve to give XXXX XXXX an additional {$37.00} for three more days that passed by beyond the due date. I find it incomprehensible that a bank would be so rigid, greedy, and unforgiving. The size of the late fee is huge for a retiree on a fixed income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-02

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

2017-11-02

Point Arena Air Force Statio, CA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old 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

2017-11-01

Cane Creek, AR

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: It has been 2 years since I was tricked into applying for a credit card with XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. I fell for it and invested into XXXX XXXX and I have yet to get what I purchased. This purchase took place on XXXX XXXX, XXXX for {$9000.00}. To this day, this is the only transaction that was put on this credit card. I filed a dispute with XXXX credit card and they did not do anything. I believe it was because XXXX is a partner with XXXX XXXX. XXXX 's XXXX partnered with XXXX to solicit their credit card to their prospects so that they could get their money upfront and then when they did n't hold to their end of the contract, they would already have their money and the client would be obligated to pay back the credit card company. This is not right. They invited me to a high-pitched sales presentation where they were soliciting their timeshares. Within days of making my purchase, I called to make reservations to bring my sister and her husband up to see my investment because I was so excited about it. I called back a few days after purchasing to come back that weekend for a 1 ( one ) day stay to show my relatives. The agent ( gentleman ) I spoke to was 'suppose ' to call me back with reservations, but I never heard back from him. I then just decided to drive up that following weekend anyway since I was still excited and wanted to show off my new vacation site. When I got to the reservation office and explained that I had tried to make reservations for a 1 day stay, I was told that I would have to wait and speak to an agent. Well, I waited about 45 minutes while people hurried by ignoring me without even an acknowledgment. I finally went into the area where the presentations were being held and just stood there hoping to get someone 's attention. I guess I was a distraction because that 's when I was given a night 's stay at the resort. I should have bailed then after that kind of treatment, but because I loved the resort, I decided to give it another chance. The only other time I have been able to stay at XXXX 's XXXX was when I was invited up by them for a 'supposedly ' owner 's update in XXXX XXXX. I was told to bring any concerns or problems. I came with my concerns about not being able to use my timeshare due to 'limited units ' being available each time I called for reservations. Instead of this being about addressing my issues, it was actually and invite to upsell me on a bigger unit and take more money from me. I was again offered another credit card. I did not take the bait this time, although the presentation was just as convincing as the last one. The only thing that saved me was a question I asked before signing that showed me it was another lie. My intentions in purchasing with XXXX 's XXXX were to have a nice accommodations while vacationing in the XXXX every year. I did not sign up to get railroaded into paying my money and having to stay 18 miles outside XXXX. I was also unaware that I had purchased a unit with stairs that would not accommodate my entire family. I emphasized that I bring my Mom to XXXX every year for vacation and that 's one reason I wanted somewhere nice to stay. All I wanted was to invest in a place where I could come with my family to enjoy well into my retirement. It has turned out to be a nightmare. After I put the cost of this property on the XXXX credit card offered thru XXXX 's XXXX, I am now out of {$9000.00} and nothing to show for it. I have been cheated and disrespected from the start. Every time I got someone on the line to make reservations, I was told only a certain number of units had been released or that there were no openings for my dates or they could put me 18 miles outside XXXX. Sometimes I would even leave detailed messages and never got my calls returned. This is not how you do business. After several failed attempts to get reservations from XXXX XXXX to XXXX XXXX, I decided to stop payment on the XXXX credit card because I was not going to continue to pay on something I was not using. I disputed the charges with the credit card company, but they would not work with me. Probably because XXXX was partners with XXXX 's XXXX. To make matters worst, I even had one sales agent to call me to invite me to a sales presentation unaware that I had already purchased a unit and when explained to her my issue, she told me that in the past, units had been leased out to 3rd parties and that was why none were available to the true owners. She did not have to disclose that information, but she did and I appreciated her honesty. As far as I am concerned, XXXX 's XXXX forfeited on the contract when they would n't deliver. After making monthly payments for more than 8 months, I decided to stop paying for something I never got. I am now in debt to XXXX credit card company ( XXXX ) for a timeshare that I have never used. I am requesting to be released from this contract and my money be refunded on my XXXX credit card. After I filed with the BBB, XXXX XXXX XXXX, general manager of XXXX 's XXXX finally called me in XXXX XXXX and agreed to release me from my contract, but in the release paperwork he sent me to sign, it stated that no money would be returned. I have tried contacting XXXX XXXX to inquire about why he was keeping my money, but he will not call me back. He sent an email in XXXX, stating that he would call me, but has not. I have been calling and calling and leaving messages for XXXX XXXX and his assistant XXXX, and no one will return my calls. The last contact with them was last week ( week of the XXXX of XXXX XXXX. I was promised to get a call back, but never did. This is a conspiracy. Again, I believe XXXX 's XXXX partnered with XXXX to trap people and take their money by encouraging them to take out their credit card and rob them of their hard earned money. I will do everything possible to prove it and expose XXXX 's XXXX for this tactic. This is a ripoff and I am tired of being taken advantage of. 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

2017-11-01

TX

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Complaint: I opened a certificate of deposit account with XXXX on XXXX XXXX, XXXX. I purchased CDs in the amount of {$500000.00}. Funds were deposited into my account on XXXX XXXX, XXXX. I received confirmation of payment via email and paper mail. Upon my funds being deposited to my account I was disabled from accessing my account. I called XXXX and talked to one of their customer representatives and inquired about my account being XXXX, but to no avail. They then put me on the phone with someone from security who informed me that the bank that the funds were deposited from was an invalid account. I informed them that if that were true than how was a transaction of payment made. So by phone I asked to see a detailed transaction of the payment which he denied and that was the end of the conversation. I followed up the next day and got the same reaction. So after that I sent email after email just wanting to know why I could n't get a detailed transaction of payment. I got no answer. So I mailed them an audit of payment form which included the Electronic Transfer Act stating they had 10 business days to respond and show me a detailed transaction of payment. I got no answer. So that led me here. I exhausted all of my resources before contacting you guys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-01

Anaheim, 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, we rented a trailer through an online website called XXXX. We rented the trailer from XXXX XXXX and were charged {$2400.00} for the trailer rental and {$360.00} for trailer insurance ( required ). We picked up the trailer in XXXX XXXX and traveled XXXX miles to XXXX XXXX, Oregon which we received approval from the owner. When we arrived in Oregon, we discovered several significant problems including a broken water pump so there was no running water for the shower/bathroom/sink, a damaged circuit breaker resulting in limited/no power within the trailer, previous undercarriage rust which apparently caused a broken shackle on the axle making the trailer un towable, un serviced brakes and other owner negligent maintenance problems just to name a few. On XXXX XXXX, the trailer was so damaged from owner negligence PRIOR to renting that the trailer was unusable and had to be towed to a trailer repair shop almost 100 miles away at our expense to XXXX XXXX XXXX XXXX in XXXX, ID ( invoice attached ). The axel literally shredded on the way to the repair shop on the highway which could have caused serious injury or death. We were stranded in XXXX, ID and paid for 2 days in hotel expenses which we also requested be reimbursed from the owner of the trailer but were denied entirely. On XXXX XXXX, after the axel was repaired, the trailer was still in such severe damaged condition due to obviously years of owner negligence that both the XXXX XXXX XXXX owner who handles all repairs for the US Forest Services nationally and our 2 drivers who are both XXXX XXXX Fire Department concluded the trailer was not road worthy and too dangerous to tow. In addition, this trailer was also not certified for road usage based on CHP requirements, making it illegal and unsafe to tow or use. Prior and during the repairs, we requested multiple times with the owner directly that they credit our expenses ( hotel/food/time ) and allow us to return the trailer immediately upon the axel repair as it was unusable and damaged. The owner not only denied any credits but also verbally assaulted and threatened both XXXX drivers on multiple calls that he was going to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX finished the repair on XXXX XXXX and we drove the trailer 1,100 miles back to XXXX XXXX and returned the trailer on XXXX XXXX. On XXXX XXXX, we emailed XXXX and on each of the following subsequent dates requesting a full credit and resolution. We also attempted to resolve our claim and called XXXX customer service 15 times but were unsuccessful to reach anyone to discuss or resolve our claim. XXXX refused to respond with any resolution to each of the following emails which are attached for your review ; XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX On XXXX XXXX, XXXX, we filed a dispute with XXXX requesting a full credit of all charges. On XXXX, XXXX, XXXX, we received a response which was merely the owner of the trailer denying our refund requests, further denying there were any problems with the trailer. We have attached the repair invoice from XXXX XXXX XXXX confirming the repairs completed just from the axel damage. None of the other necessary repairs were completed stemming from the owner neglecting maintenance and rust resulting in illegal road worthy conditions for the trailer. Ultimately all XXXX did to attempt to resolve our dispute/claim was email the owner of the rental trailer our complaint and ask them if they would they consider refunding any/all of the rental. Of course the owner denied the claim. XXXX never offered any other resolution. Let me remind everyone that in addition to the damaged condition of the rental trailer, the mere act of renting or selling a vehicle or trailer thats not certified or road worthy without disclosure is considered a criminal offense. After being denied any refunds by XXXX, I contacted my XXXX XXXX XXXX XXXX XXXX XXXX and opened a dispute for the same charges. The dispute was denied for the cancellation/refund policy agreed to when making the purchase. Unfortunately, we are unable to override the merchants cancelation policy. ( XXXX XXXX dispute letter attached ) The trailer was damaged and un-usable and therefore had to be returned early. Had we know the severity of the trailer damage prior, we would have opted not to rent the trailer. XXXX cancellation policy is null in void when you receive damaged, unsafe products/good which is exactly what occurred. Im requesting a full refund of both charges as the trailer was damaged and had to be returned early. The charges are ; XXXX - {$2400.00}, Rental - {$360.00} XXXX regards, XXXX XXXX XXXX XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-01

Las Vegas, NV

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 call XXXX to report fraud charges on my credit card. I was out of town when this charges occurred. I received a letter dated XXXX XXXX, XXXX, from XXXX, stated : '' Our research has indicated that the transactions are valid ''. I called XXXX and ask why the determination and was told that a chip card was used. I responded that one of the fraud charges was an online purchase that could not be a chip transaction. I had believed that the card was always in my position but this may be false because I also have a second XXXX credit card through my wife 's account, so it the card might have been stolen. The fact the XXXX stated that they where chip transactions are in question because at least one of the charge was an online transaction that could not have involved the use of the chip. I never gave anyone my card nor was I in town to make the charges in question.
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

2017-10-31

Staten Island, NY

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

2017-10-31

Durant, OK

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: To whom it may concern : 1 ) My credit card limit was reduced three times, and although I received a notice about the decrease, it was insufficient. After Barclays Bank decreased my credit limit, then I get a notice in the mail, after the fact. 2 ) The corporate ( office of the president ) representative XXXX XXXX, has been very unprofessional and discourteous. She sent me a letter rudely stating that she would NO LONGER reply to my complaint, which is absurd. 3 ) The whole experience in Dealing with XXXX XXXX has been horrendous. She is very condescending and unpleasant. She did not specifically tell me why Barclays reduced my credit limit, other than to tell me what 's in the credit report -- which is n't derogatory. I have paid this account and all others on time. She sounded like a broken record and would not adequately communicate with me as a person, but treated me like a robot. 4 ) My credit line should be restored back to {$10000.00} and should have never been reduced. The next time I get a notice, it needs to be BEFORE they reduce my credit limit, not AFTERWARDS, which is too late. 5 ) Barclays Bank has caused my credit score, which is relatively high, to lower. This is derogatory against 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

2017-10-31

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

Timely Response

2017-10-31

Madison, AL

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 monetary relief

Timely Response

2017-10-31

Lk Buena Vis, 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: This is a complaint against BARCLAY CREDIT CARD. INQUIRY DATE XXXX XXXX2017. I am a victim of identity theft and did n't authorize this inquiry in my credit report. This situation has me very stressed because this is a fraudulent account that was initiated without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-31

Coconut Grove, FL

Other features, terms, or problems

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

Other 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

2017-10-31

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

Timely Response

2017-10-30

Henderson, NV

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 explanation

Timely Response

2017-10-30

Penn Yan, NY

Other features, terms, or problems

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

Add-on products and services
Complaint: When I tried to activate my XXXX XXXX XXXX XXXX MAster Card by calling the activation number ( XXXX ) listed in the acceptance letter, I was directed to a foreign ( XXXX ) organization. They asked for my credit card number to begin the activation procedure. Then rather than activate the card they attempted to sell me a lot of services. I said no to each one. After a few minutes, I recognized it was a scam and hung up. I ended up activating my card by calling the Customer Service number on the back. I informed them of the scam but they did n't seem interested. In the next few days, I received multiple confirmation letters that I had purchased a variety of services ( including credit card protection, travel club etc. ). I called XXXXXXXX XXXX customer service to complain and was informed that it was aall my fault for giving out my credit card to a number that they had provided. They were of little help and suggested that I cancel the tel-marketing promotions or i would be charged. I then had them cancel my card and issue a new one. They were singularly unhelpful and attempted to obscure their marketing fraud. I expect such behavior from XXXX XXXX but not from a major international bank. This episode has already caused me a great deal of stress and effort and I expect to be compensated for this outrageous behavior
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

2017-10-30

Portland, OR

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or 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

2017-10-30

Barnsboro, NJ

Credit monitoring or identity theft protection services

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

Problem with product or service terms changing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-30

Aventura, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This is a complaint against Barclays Bank delaware. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit 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

2017-10-28

Arlington, VA

Fees or interest

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

Problem with fees
Complaint: Two years ago, I heard from a fellow military officer that Barclaycard was offering generous benefits to current XXXX XXXX service members who apply for their XXXX XXXX XXXX XXXX XXXX XXXX ( part of their Luxury Card line ). These benefits included waiver of the annual fee and 0 % interest on any card balances for the duration of XXXX XXXX service. I contacted the Barclaycard military phone number and spoke to a representative, who confirmed that these benefits were provided as a goodwill for XXXX XXXX service members. He advised me that if I decided to apply for the card, I would need to call him back to provide proof of current XXXX XXXX service. I applied immediately online, was approved and called him back. He requested that I fax a copy of my current Leave and Earnings Statement ( LES ) to provide proof of current XXXX XXXX military service. I faxed this to him and my service was verified. I received a letter in the mail, from Barclaycard confirming extension of the aforementioned goodwill benefits and thanking me for my service. I was impressed by the generosity of the company and proceeded to use my card regularly with monthly transactions averaging {$1500.00}. I was surprised to receive a letter in early XXXX stating that my account was ineligible for benefits under the Servicemembers Civil Relief Act ( SCRA ) because my account was opened after I was already on XXXX XXXX. This was odd, because the benefits discussed during the opening of my account were referred to as " goodwill '' and SCRA was never mentioned. Further, I reiterated on multiple occasions that I was currently on XXXX XXXX and the Barclaycard representative requested verification of that status before extending the goodwill benefits for my service. Thus, Barclaycard already knew that I was on XXXX XXXX at the time that the goodwill benefits were extended. The same letter noted that the annual fee waiver would no longer be extended and payment of the annual fee would be required if I desired to keep the account open past XXXX XXXX, XXXX. Interest on any balances would remain at 0 % regardless of whether I decided to close the account or keep it open. Barclaycard 's actions represent a significant breach of trust and integrity with an XXXX XXXX military customer. To suddenly withdrawal generous goodwill benefits that were offered for the duration of XXXX XXXX service, and to mask such actions as a misunderstanding of SCRA benefits, is unacceptable. This places me in a precarious situation where I face the decision of closing the account, at significant impact to my credit score, or keeping it open with while paying an annual fee that far exceeds the benefits of the card, as compared to similar products offered by competitors. Barclaycard 's actions, as of XXXX XXXX, XXXX, may also violate the Military Lending Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-28

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

Timely Response

2017-10-28

FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Date : XXXX XXXX XXXX XXXX owed : XXXX XXXX bank atemping to collect a debt delinquent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response