BARCLAYS BANK DELAWARE

2017-10-11

Seattle, WA

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

2017-10-10

PA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Complaint: I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

Atlanta, GA

Other features, terms, or problems

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

Other problem
Complaint: On XXXX/XXXX/XXXX, I attempted to use XXXX to track my spending/purchases through their monitoring service. BarclayCardUS blocked access ( even though I provided all the required log-in info ). XXXX indicated BarclayCard blocks third party access for all users. This is unreasonable. I value security, but I should be allowed to share my info with anyone of my choosing, and this policy forbids that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-10

Hiawassee, 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

2017-10-10

Chestnut Rdg, NY

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

2017-10-09

Wallington, NJ

Fees or interest

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

Problem with fees
Complaint: I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-09

TN

Fees or interest

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

Charged too much interest
Complaint: I am a XXXX XXXX XXXX veteran living on a fixed income. In XXXX of this year I was notified that I am very sick, the process of finding out was was actually going on has become overwhelming, thus I consulted a Chapter XXXX Bankruptcy Attorney thinking that the only choice I had was to file a Chapter XXXX. During my consult the attorney asked me if this was really what I wanted to do and I said of course not but what other choices do I have. The attorney gave me another option DMP this would reduce the interest and also the monthly payments due. I wanted to pay everyone who I owed so I did the DMP plan it was only long enough for the to contact all 20 of my creditors and notify them of both my hardship and get a reduced rate of interest and a lower payment the DMP was paid to negotiate and actually made payments for 1 month. The DMP plan ended and all 20 accounts were in agreement that they would still honor my lower interest rate and monthly payments so long as they continued to received the agreed upon payment. Again they would prefer to get their money rather than get nothing at all and my medical hardship still existed, the credit cards were all cancelled under this agreement and I am OK with that. All of the 20 kept their promise to honor my hardship except for one that was Barclaycard who I have more than once submitted complaints to you on, seems they feel that they are separated from the other 19 accounts I have. Long story short as attached history sheets will show they agreed to the reduced interest and payment on X/XX/17 and they then jumped on an opportunity to switch it back from the agreed upon interest rate of 5.90 % and XXXX payment back to the old rate of 23.99 % and they increased the payment to XXXX this is just not right in any way My medical condition has not changed nor have the incoming bills and being on a fixed income I have no room after making agreements with my other 19 accounts to differ in any way. Should Barclaycard not have to honor their agreement for the reduced interest rate and payment. I have done as I promised and paid as agreed and they did cancel the card that 's fine I do n't want it anyway but I do want what they promised me otherwise no matter what the outcome I did not file a Chapter XXXX it apparently is about the money which I have no problem applying what would have been their payment to other accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-09

Arco, CA

Getting a credit card

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

Delay in processing application
Complaint: Requested line of credit from XXXX XXXX, and was notified to call in for further information needed. Barclays then requested I photocopy my drivers license, social security card, and bank statement or utility bill, and mail them in to an unnamed post office box. When I told them I could not send those items through the postal service, as placing all those documents in one place put my identity at unreasonable risk and I would like to verify my identity through other safer means, I was told that was not possible. To be clear, I should never be asked to put those documents in the mail. I offered to walk them in, they said that was not possible. Now, though having an 800+ credit score and an excellent debt to income ratio, I have been forced to either jeopardize my identity or take a penalty on my credit score by having to withdraw my application and apply to another credit lender. This is an unacceptable choice that I should not have make. They notified me that this was not a credit bureau request, nor a request from the government. They insisted that it was company policy. I have never been asked to mail in this information when applying for credit. I feel something is amiss here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-09

Succasunna, NJ

Fees or interest

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

Problem with fees
Complaint: This relates to XXXX with Barclay 's Bank. The charge in question in in litigation. Therefore still in dispute. Yet the bank that did little to dispute the charge is fraudulently reporting this to credit people as past due. The merchant ordered the wrong equipment and is not man enough to admit their mistake. XXXX ordering materials was new in his job and likely did not know there were two different model GPS units available for the vehicle. I do not pay for wrong materials. Stonewalling this complaint with the same bank blind eye does not make it right. 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

2017-10-08

Denver, CO

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

2017-10-08

VA

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: There is a Barclays Bank credit card that has appeared on my credit score. I do not have this card or any other with Barclays Bank. I have not applied for ANY new credit cards. Apparently this may belong to someone else with the same name. there was no use on it at the time it was brought to my attention. 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

2017-10-07

Rochester, WA

Getting a credit card

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

Sent card you never applied for
Complaint: Your problem options did not actually have my issue so I checked closest. This is kind of a small thing but it concerns me they are doing it to everyone ; when I applied for my XXXX XXXX XXXX credit card online, there was a checkbox, already checked, to expedite receiving the card for an extra {$15.00} fee. I unchecked the box ; I was in absolutely no hurry. But they expedited and charged me anyway, and when I complained, they said they could not reverse that charge because " the application was received online. '' As though that somehow made it impossible for it to be wrong, I guess? First, that box should not be checked automatically to begin with, and second, I am POSITIVE I unchecked it. {$15.00} charges, over a lot of people, for something that probably costs them much less than that, is making them a lot of money and in my case, at least, was fraudulent treatment. People are probably just glad to get approved, it is n't all that much, how many people will bother to complain ; I hope a lot of us do and they have to pay us all back some day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-07

Spring Hill, FL

Other features, terms, or problems

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

Other problem
Complaint: i was a victim of XXXX XXXX XXXX XXXX XXXX kids. Barclays re. card # XXXX. Barclays dropped my credit limit just below my balance on the statement cut-off date for the purpose of sabotaging my already struggling credit score. the drop in credit line for {$100.00} has no appreciable affect towards risk credit portfolio management. the credit line was lowered by Barclays just enough to trigger an over the limit credit reporting to the major credit bureaus. It is an abusive and malicious credit practice. Barclays has done this multiple times to me, my husband, and many people whom i am aware. the frivolous lowering of credit lines on tens of thousands of their customers accounts in order to stab them in the back and deliberately damage their own customers credit scores, and for no other apparent reason besides that. my husband concurs, the Barclays portfolio management team are a group of sociopaths with tiny XXXX who just resent and continually abuse their customers. abusive and deceptive credit practices by Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-07

MD

Getting a credit card

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

Problem getting a working replacement card
Complaint: XXXX has refused to replace a lost credit card despite innumerable telephone and online requests. They provide no explanation for their failure to assist 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

2017-10-07

Auburn Hills, MI

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 monetary relief

Timely Response

2017-10-06

Clayton, MO

Other features, terms, or problems

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

Other problem
Complaint: XXXX is blocking me from enabling external applications. It is my understanding that The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly by giving access to financial data. I have already sent a message to XXXX and hope that you will enforce as well that they need to give me access to my financial data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

Brooklyn, 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

2017-10-06

Perrysburg, OH

Incorrect information on your report

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

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

2017-10-06

Hammond, IN

Other features, terms, or problems

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

Problem with convenience check
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

2017-10-05

Brooklyn, NY

Incorrect information on your report

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

Account information incorrect
Complaint: On XXXX/XXXX/XXXX I was approved for a XXXX XXXX XXXX XXXX. On a conversation over the phone with a XXXX representative I was told I would NOT have to make any payments on this account for one year, until XXXX XXXX XXXX I 'm not sure why XXXX XXXX, rather than XXXX XXXX XXXX. That is also what all marketing for the card indicated, and it is why I signed up for the card. The phone call I made was to confirm this information. I was able to transfer a balance from a XXXX XXXX credit card of XXXX to the XXXX and I made some purchases. Within the last week, the final week of XXXX XXXX, I checked my credit score and was shocked to see that I had a series of missed payments for the XXXX and my credit score had tanked. I called XXXX and was informed that I was supposed to be making a payment each month, contrary to what I was told when I signed up for the card, and the marketing advertising the card. I immediately paid my " missed payments '' in full. XXXX was willing to admit fault on their part to the extent that they refunded all late fees but they said they were unwilling to remove the negative marks on my credit report. This is seriously affecting my future and I feel I was intentionally misled by XXXX. I 've talked to a total of four different XXXX representatives, during the last week of XXXX XXXX and the first week of XXXX XXXX, and none have been willing to help me remove the negative marks from my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Moneta, VA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: When checking the statement from Barclaycardus.com on XXXXXX/XX/XXXX, on the internet, I found numerous unauthorized transactions starting XX/XX/XXXX ending XX/XX/XXXX on my XX/XX/XXXX statement. I immediately called Barclay and told them about the unauthorized transactions, again on the XXXX I checked and found more unauthorized transactions. That would be on the next statement and had not been seen by me. OnXX/XX/XXXX and XX/XX/XXXX Barclays reversed the charges in total of {$17000.00} I also had charges from same vendor that were authorized, I gave them all the information, and paid the authorized amounts for {$13000.00} in 3 payments of XXXX,XX/XX/XXXX, {$3000.00} on the XX/XX/XXXX and XXXX on the XX/XX/XXXX. On my XX/XX/XXXXstatement it shows my payments along with reversal of previous credits of unauthorized transactions in the amount of {$32000.00}, leaving a balance of XXXX. OnXX/XX/XXXX I received a letter, dated XX/XX/XXXX, saying that Barclays was denying the charges that I had filed as unauthorized in the {$19000.00}, without any explanation. That they had determined they were authorized. After repeated calls to XXXX and Barclays, they both kept telling me to call the other since they went through XXXX. Finally, I could not call XXXX without extended periods of being on hold 45 minutes etc, I have the phone records to prove it. On the XX/XX/XXXX I called Barclays again and spoke with XXXX who proceeded to tell me that " your husband called on the XX/XX/XXXX and said that all of the charges were authorized '' I was adamant that my husband had never called them or anyone else concerning this matter, he was fully aware of it however. And that no one else was aware of the situation except the two of us, my husband and myself. XXXX asked to speak to my husband, who has been diagnosed with XXXX and has XXXX on theXX/XX/XXXX. I asked my husband if he felt like talking to them he said yes. The only thing that was asked of him was asking him to state his full name, I heard him reply. He was told to give the phone back to me, at which time I was put on hold briefly, then when XXXX came back he asked if I would like for him to get in touch with XXXX and have a conference call and I adamantly agreed. A lady by the name of XXXX spoke with me and I told her the entire situation, she asked questions which I answered truthfully, she asked if I had been in touch with my financial institution, Barclays, I told her yes again, I told her that XXXX was supposed to be on the line as he had arranged the call, up to this time he was silent. He said " I am here '' I asked him if he would confirm what he had told me within the last 30 minutes that my husband had called on theXX/XX/XXXX stating that the charges were authorized, at that time his reply was " yes that is correct, however since then we have determined that your husband was not who called '' He did not say anything else. I asked XXXX if they keep all of their recorded messages and was assured that they do and they would provide the recorded conversation with a subpoena. At this point in time Barclays has added more charges from the same vendor in the amount of {$11000.00}, and credits of XXXX for an additional unauthorized amount of {$8700.00} for a grand total of {$27000.00} all unauthorized and disputed. I have not received any other correspondence from Barclays concerning this matter, not by email or USPS. I am claiming fraud in the use of my husband so called involvement in the matter, from a person or person unknown to us. Also, the credit limit on the card {$9500.00} no one has ever opted to have the credit limit allowed to go over, this is fraud by Barclay themselves. So We demand a full reversal of the amount of {$27000.00} along with any and all interest or penalties. I have had no contact with XXXX or Barclays since that day, other than to check the balance on the card by internet.
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

2017-10-05

Scottsdale, AZ

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 monetary relief

Timely Response

2017-10-05

San Francisco, CA

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting, activating, or registering a 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

2017-10-05

San Diego, CA

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

2017-10-05

Elkhart, IN

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