BARCLAYS BANK DELAWARE

2019-09-26

Lynn, MA

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

2019-09-25

Jupiter, FL

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: On a recent CFPB complaint XXXX Barclays agreed to compensate XXXX XXXX miles to my account. They did not follow through.
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

2019-09-25

Rockaway Beach, NY

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: Barclay Bank, To Whom It May Concern, My credit report indicates a hard inquiry by " BrclysBankDE ''. It is my understanding this is Barclay Bank and affilated companies. For the record, I have never done business with any of your companies. I have not made any requests for credit with any of your companies. I do not understand why your businesses would place a hard inquiry on my credit report. This company pulled my report on XX/XX/2019. Between XX/XX/XXXX and XX/XX/2019 was added to my XXXX 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

2019-09-25

Lawrenceville, GA

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

2019-09-25

Mount Pleasant, SC

Closing your account

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

Company closed 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

2019-09-25

Kissimmee, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit 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

2019-09-24

MA

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/2919 I sent a check ( XXXX XXXX ) for {$5000.00} in full payment of my bill to XXXX XXXX MasterCard ( Barclays Bank ). I was credited with a payment of {$50.00}, Interest on the unpaid balance was waived when I complained. However, they refused to provide a copy of my check, saying it had been destroyed and no copy was retained. On XX/XX/XXXX, I sent another check ( this time for {$14000.00} ) to them and this time was credited with a payment of {$1400.00}. Again, interest was waived and their account manager told me neither the actual check or a copy existed. That I refuse to believe! My bank told me that they receive only notification of an electronic cash transmittal and no paper confirmation. No human being takes part in the process! Checks are read by computers and payments are processed entirely by computers. I have written over 10,000 checks during the past seventy years and these are the only two instances in which the amounts were misread.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-24

Newnan, GA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: Today I received a call from my ex-husband and my mother regarding a company stating they had been trying to reach me regarding a debt. They shared that I was being processed and served for failing to pay on a debt from 2017 with Barclays card. They said that I owed them nearly {$4000.00} and their litigation team would be processing the paperwork. They said that I was contacted by an officer of the court, XXXX XXXX, and the proof that I had regarding my debts being paid in full could only be shown to a judge. They said they had been trying to reach me and that they would be sending the police to serve me at my ex-husbands house and my mothers house. When they spoke to me they continued the same lie. I told them several times that I paid it off. I called Barclays card and although they had some information that had not been pushed through on my account they fully showed that I paid the debt, they happily completed the process and also stated they they did not have XXXX XXXX contact me. They did say they the account was sent to A company called XXXX ( something ) and they in turn had sent it to XXXX. I shared that this was the second attempt at such nasty tactics and that I would reach out to the proper authorities to document this 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

2019-09-24

NV

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened to sue you for very old debt
Complaint: Last XX/XX/XXXX I received a letter from Barclays Bank demanding payment on loan for XXXX XXXX XXXX XXXX. I returned their letter with handwritten statement explaining I tried using the vacation club to no avail even after speaking to Manager to fix the problem. Payments were to be automatically removed from checking account. Went back to XXXX office again to discuss issues but manager didnt have time for me and was to call me, which never happened. Why should I pay for something I cant or allowed to use as sales pitch promised. Felt from the very beginning I was being scammed and as a XXXX year old female, I still feel this way today. Now yesterday I received a three-day notice. We are seniors battling XXXX fight and dont need added stress to something I tried to resolve from beginning two years ago when first purchased this vacation plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-23

El Paso, TX

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: XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} XXXX is claiming that I made a purchase on XX/XX/19 of {$990.00} I have disputed this with them several times and provide proof that this transaction was fraud but they refuse to correct they state that merchant sent them proof that I signed but when I show them proof that I did not sign they base there decision on there opinion instead of following law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-23

Cherry Brook, MA

Incorrect information on your report

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

Account status incorrect
Complaint: Barclay Bank processed a {$6500.00} personal loan for me. I destroyed the check as I changed my mind. This was in XX/XX/2019. I called their analyst department seven ( 7 ) times and was told they could fix it. Eventually they showed the loan as 'paid '. This was only last week. XX/XX/XXXX Meanwhile, they said I was overdue on a {$78.00} fee related to the loan. This dispute is now over 3 months old. Barclay has RUINED by FICO store. With every 'overdue ' Barclay reported to the credit agency I may be denied elderly/disabled housing I am applying for. Barclay says they welcome letters to their complaint department and that it is their policy to respond ti complaints within Five Days ( 5 ) and in writing. I wrote them Six times and have not received any response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Sanford, FL

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

Timely Response

2019-09-23

Green Valley, AZ

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit 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

2019-09-23

Audubon, PA

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

2019-09-23

Wilmington, DE

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

2019-09-23

Carrollwood, FL

Getting a credit card

Credit card or prepaid card: Store credit 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

2019-09-22

Philadelphia, PA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened to sue you for very old debt
Complaint: This is a credit card debt that is from XX/XX/2014. The creditor is Barclays Bank. I was laid off in XX/XX/2014 and used my severance pay to hold me over until a new job but the severance ran out first and multiple of my creditors fell behind. Now Barclays refused to make arrangements with me and now I find out a law firm represents them levied my wife and I checking account putting it negative {$2300.00}. We live pay check to pay check and we live off 1 income. The lawyer is XXXX XXXX attorney # XXXX. I am willing to make arrangements minus fees and whatever this lawyer cost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-22

HI

Trouble using your card

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

Can't use card to make purchases
Complaint: Barclay 's Bank. XXXX XXXX XXXX. On XXXX XX/XX/2019, 3 days ago, a credit was recorded on my account for a purchase which was refunded in the amount of {$340.00}. Three times yesterday my card was denied at merchants for amounts less than {$25.00} each. I went online and, as is 100 % of the time, the amounts reported on the website are inaacurate and do NOT add up. The website states : Credit Limit {$500.00}, Current Balance - {$150.00}, available credit {$1.00}. I charge on average {$2000.00} per month on the card to get XXXX XXXX mileage. I have to visit the website 5-8 times a month to see if transactions have posted ( often takes 3 -7 days ). The website will not allow payment of transacations listed as " temporary transactions ''. Once the transactions finally post I make payment in full. The payments often take 2 - 7 days to post. Making a turn around time for credit to be available of 5 - 14 days! 100 % of the time the Credit Limit less Current Balance does NOT equal available credit. Spent an hour with Barclay 's Bank representatives today. A supervisor told me that the {$150.00} credit on my current balance was available today. Attempted a purchase and it was denied. Called and spoke with another supervisor who told me the credit in my Current Balance was NOT available until temporary transactions post. For 4 years I have charged and PAID OFF around {$2000.00} per month on this Barclay 's Bank XXXX XXXX XXXX. Barclay 's Bank refuses to increase my credit line based on my history with them. Website gives innacurate and misleading information 100 % of the time. Supervisors give untrue information. System is extremely flawed to not make refunded amount available to consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-22

Atascadero, CA

Other features, terms, or problems

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

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

Timely Response

2019-09-21

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
Complaint: On XX/XX/2019, my car door window was smashed and my purse with my, and my husbands credit cards were stolen. The person who stole the cards immediately went to a XXXX XXXX 12 minutes away and made multiple purchases. We have called Barclays multiple times asking them to remove the charges in the amounts of : {$410.00}, {$610.00}, and {$420.00} ( Total charges at XXXX XXXX within minutes = {$1400.00} ). Barclays refuses to remove these charges from our account, saying they are valid, even though we have surfaced a police report. Regardless, Barclays says we need to pay this and the interest on this amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-20

Brooklyn, NY

Managing an account

Checking or savings account: Other banking product or service

Fee 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

2019-09-20

AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX is not allowing me to dispute hard inquiries on my credit report even though I DID NOT authorize them and I have spoken with each inquirer and they have stated that they would request that the inquiry be deleted. But XXXX IS NOT doing anything. The inquiries are Barclays Bank Delaware : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XX/XX/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

2019-09-20

NJ

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

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

Their investigation did not fix an error on your report
Complaint: I tried to get a visa rewards card and was told my credit score was not good. I want to know what creditor has brought my credit score down. I never had any trouble in the past getting a credit 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

2019-09-19

Cherry Brook, MA

Fees or interest

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

Problem with fees
Complaint: On XX/XX/2019, I attempted to pay off my entire balance but the site wouldn't accept my payment. The next day, the payment did go through but I was assessed a late fee and interest. I sent a secure message to Barclays and was told they would reverse the late fee and interest so my balance would be {$0.00}. However, today I was assessed another late fee even though my balance should have been {$0.00} ; it appears they never reversed the original fee and 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

2019-09-19

CT

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: XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX Barclays account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. And XXXX ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. Barclays, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. Im beyond frustrated with XXXX, XXXX, and Barclays. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response