BARCLAYS BANK DELAWARE

2017-09-29

Chautauqua, OH

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

2017-09-29

Aberdeen, MD

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

2017-09-29

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

Timely Response

2017-09-29

Brighton, CO

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

2017-09-29

FL

Incorrect information on your report

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

Account status incorrect
Complaint: I had a charge on my XXXX XXXX card from a vendor I was unaware of. I may have approved charges in the past but I did not approve the vendor to post the charge in question on this card. All of my Barclay cards were set to auto pay except this card which was rarely used. A subsequent late fee, interest charge was placed on the account. I called and spoke to a rep who understood the situation as I was overseas at the time this happened. The rep from Barclay told me the following would be done : late fee removed, interest removed and any notation on my credit report that I was late or delinquent with any payments. The rep advised me that this would be cleared by early XXXX My credit report still shows the delinquent late payment. I called on XXXX and spoke to operator LASTME ( Escalation agent ) who was not cooperative. He stated that he would not remove the late fee notation on my account.
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

2017-09-28

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

Timely Response

2017-09-28

NY

Incorrect information on your report

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

Account status incorrect
Complaint: BARCLAY BANK WAS SUPPOSED BY CLOSED AS OF XXXX/XXXX XXXX/XXXX WAS SUPPOSED TO BE CLOSED AS OF XXXX/XXXX ALSO 4 OUT OF 7 ASSOCIATED ADDRESS ARE NOT CORRECT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-28

San Diego, 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 approximately XX/XX/XXXX ( while traction was pending ) I filed a fraud report with Barclays Bank Delaware related to transaction with XXXX XXXX XXXX with the initial transaction date of XX/XX/XXXX for {$39.00}. On XX/XX/XXXX I received a return phone call from Barclay Fraud department where the result of the call was agreed to have a 3-way conference call with the merchant the next business day ; I did not receive the follow-up call as agreed. On this call I was also advised that the merchant is to be notified of the new credit card number. Which authorizes them to continue charging me for services that I have terminated and continued fraud. On XX/XX/XXXX I received a notice dated XX/XX/XXXX that my fraud complaint was denied. I have attempted and completed as required by the agreement with the merchant XXXX XXXX XXXX. As well as all other possible means prior to the transaction date to terminate and cancel all services before the anniversary or renewal date. Attached to CFPB complaint is a copy of " XXXX XXXX XXXX '' agreement, e-mail notice of termination as required by agreement, and the Barclays denial notice from the initial fraud report.
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

2017-09-28

East Windsor, NJ

Getting a credit card

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

Application denied
Complaint: Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny. So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks. Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents. But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.) I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire. Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials. I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-28

Atl, GA

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

2017-09-27

Cadwell, GA

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: I have 3 cards with Barclaycard. Previously they were in good standing however all of a sudden Barclaycard decided to close all my accounts and triple my minimum payments. they have been also adding a lot of extra fees and interest. I am a XXXX XXXX XXXX veteran who has been going through severe medical issues and this company is trying to capitalize on my misfortune. I have been diagnosed with XXXX a severe life long XXXX XXXX that has affected my ability to work full time. Instead of working with me Barclaycard pushes my balances higher and higher with exhoirbanant fees and interest. This company is a heartless being. I have repeatedly asked for a lower payment plan and lower interest rate but they refuse. Then on top of my medical issues Hurricane Irma hit my area and resulted in damage to my home. Again, no relief from 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

2017-09-27

Flushing, 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

2017-09-27

Douglasville, GA

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

2017-09-27

Clayton, MO

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-27

Boston, MA

Fees or interest

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

Problem with fees
Complaint: On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. Attached file shows above from 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

2017-09-26

Phila, PA

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

2017-09-26

Alameda, CA

Getting a credit card

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

Application denied
Complaint: On XX/XX/XXXX, I applied online for Barclaycard Visa with XXXX XXXX card with a {$3000.00} credit line. Status provided at end of application process : " We are reviewing the information you provided. We will contact you within 10 days with an update on your application status. '' The Company never contacted me to convey their decision ( declined ). In XXXX, I learned that the application had been declined via www.barclaycardus.com. Status provided at that time : " Unfortunately, we are unable to offer you the Barclaycard Visa with XXXX Rewards. A letter with additional information will be mailed to you within the next 7-10 days. '' I have received no such letter from the Company - or any communication in any form - through XX/XX/XXXX. Part and parcel to this transaction, the Company : A ) failed to communicate the results of their credit decision within 10 days ; and B ) failed to send a letter explaining why the application was declined. I believe this is in violation of the Equal Credit Opportunity Act. I appreciate the CFPB 's assistance in resolving this matter. 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

2017-09-26

Williamsburg, VA

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

2017-09-26

Lex Pk, MD

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

2017-09-26

MN

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: On XXXX XXXX, XXXX, I had a qualifying purchase post to my account for {$2300.00}. This was a purchase for XXXX Cruises on my XXXX credit card, which is a rewards card for XXXX XXXX lines. The rewards program allows the cardholder to redeem points for statement credits on qualifying purchases. Purchases with XXXX XXXX XXXX specifically are entitled to a greater rewards period, allowing for XXXX the point value depending on the qualifying purchase amount. This purchase amount qualifies for XXXX times the value, so a substantial statement credit of several XXXX dollars. XXXX has been having significant issues with this rewards program. They made changes to it XXXX which were properly disclosed ) in XXXX and the program has been broken ever since. Purchases from XXXX do not flow over to the rewards redemption portal for processing. I personlly know this to be fact for XXXX reasons : First, I have experienced this problem before ( see their case XXXX initially opened on XXXX/XXXX/XXXX - which was not resolved until XXXX days later XXXX, XXXX ; There is a discussion forum online XXXX XXXX XXXX dedicated to issues with this rewards program with XXXX and XXXX. XXXX states that it can take up to 7 days for eligible purchase to populate in the Rewards portal for point redemption. Knowing that I was going to have a battle on my hands based on my prior experience, I opened a case with their customer service team on XXXX/XXXX/XXXX indicating that my qualifying purchase was not available for rewards redemption. I received back a canned response. I inquired in to the status of the case on XXXX and received another canned response. Today, XXXX. I received notice in the mail that the matter had been resolved, which is false. The qualifying purchase is still not available for me to redeem points against at XXXX times their value. Because the rewards program is not transparent ( points are redeemed in tiers and this is not clearly disclosed in the program description ), I can not clearly state a firm dollar amount of what the credit should be, but with my purchase of {$2300.00} I know it will be a statement credit of several XXXX dollars. We have been cardholders for years and, until they changed the program, have a history of redeeming points for similar amounts that exceeded {$600.00} in rewards value. This is a substantial amount of money we 're owed via a statement credit. Because of my inability to redeem rewards points against a qualifying purchase, I am carrying a higher balance on my card than I otherwise would be. This is resulting in the account accruing interest at an APR of 11.24 %. We have been harmed by the accrued interest, unclear program disclosures, and a rewards program that does not function as disclosed. Once again today ( XXXX ) I have inquired in to the status of my open case and DEMANDED that they resolve the matter as we are approaching 30 days from the date of the purchase. I also notified them that I would be filing this complaint.
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

2017-09-26

San Jose, CA

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

2017-09-26

Cartwright, OK

Other features, terms, or problems

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

Other problem
Complaint: Initially, I had a {$10000.00} credit line, which Juniper/Barclays kept raising due to my excellent credit history. At the time, my credit score was much lower. In the past 18 months, my credit score has gone up to over XXXX, and was XXXX, and yet, Juniper ( barclay ) Credit card has lowered my credit limit from {$10000.00} to {$8400.00}, and now it stands at {$4400.00}. I mean, I have not been late and have an excellent payment history with them and all other creditors on file in with the credit bureau. First, they had mentioned something about me having outstanding loans. Well, I paid the personal loan off a little earlier and my car will be paid off in 15 months. Despite this, they see fit to keep reducing my credit line. Personally, I feel it is discrimination. I had talked with them about a year ago, or so when they reduced my credit line to {$8400.00} ( from {$10000.00} ). I spoke with a XXXX lady on the phone who was very rude and mean at the time. Reducing someone 's credit line, which puts them close to their limit is derogatory and goes against my credit score. So far they have reduced it by - {$5600.00}, I do not feel this is ethical, but discriminatory. Thanks for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-26

Lannon, WI

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

2017-09-26

TN

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: I am reporting this complaint on behalf of timeshare members who have reached out to me. XXXX XXXX is an obscure publication but we have received 150 timeshare complaints. We received the following six over the weekend. The company has responded by saying, " If something was important to you, it should have been added to the contract. '' The oral representation clause provides no means to stop deceit and bait and switch. After receiving the complaints over the weekend, I wrote this article for those facing foreclosure : XXXX XXXX XXXX It is not necessary to forward the complaints to XXXX XXXX. Nothing will happen. I am providing the information to the CFPB in the hope someday someone will care about deceit widespread and endorsed top down. I have interviewed or heard from ten current and former timeshare sales agents supporting the members ' complaints. One member in her XXXX fears she will lose her home because of a deficiency judgment, according to the person who reached out to me. I also sent the complaints and the following note to the following individuals. Several families contacting us are financially devastated. All I can do to help them is direct them to file regulatory complaints. I would prefer you not contact XXXX. First XXXX and XXXX executives I learned wanted to accuse me of " Capping and Running '' or soliciting for lawyers. I am not compensated. I have received no compensation from any timeshare member or attorney in any form except several lawyers edit my articles. Next, I was told a XXXX attorney said I was practicing law which my lawyers say is nonsense. In other words, the goal is to behead the messenger. No attempt to my knowledge has made to correct deceitful practices. My husband is XXXX years old. I am XXXX. We were up-sold by XXXX. Our daughter lives in XXXX. We were told they were adding XXXX hotels. It would take {$12000.00} approximately in maintenance fee dollars to stay one week at the same hotel booked online for {$2800.00}, checking year round. To XXXX XXXX, XXXX XXXX XXXX, XXXX PR firm XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX for Violating XXXX 's Code of Ethics XXXX XXXX XXXX : XXXX These are six complaints from the weekend from members who have reached out for help. XXXX refuses to help them. The response is, If it was important to you, you should have had it added to the contract or Your QA session was recorded. I hope XXXX XXXX reads XXXX Code of Ethics after reading the complaints below. Out of 144 XXXX complaints, 139 allege they were upsold to the next loyalty level as that being the only way to sell points and the well-known XXXX cents point to pay maintenance fees, and the dueling agents from Hawaii and the mainland convincing the member they should not have purchased points from the other side of the ocean, although Hawaii complaints have slowed. Complaints against the Virginia sales centers are increasing. In my opinion, the Virginia Attorney General, via XXXX, has no interest in pursuing complaints. Someone who worked the XXXX XXXX market for decades, hysterical over XXXX complaints warned me that the Virginia AG would take no interest. There is no reason to send this report to XXXX. They could care less. I would like XXXX XXXX to know she is not alone. There are many telling us they will be forced to foreclose. Most can not afford a lawyer. XXXX XXXX XXXX Complaints : # 139 - {$140.00} from XXXX XXXX through XXXX XXXX, 2017 Please help! We want to start a new class action lawsuit for XXXX XXXX XXXX. Besides the high pressure sales experience they straight LIED to us numerous times about their sampler package and are being given the round around every time I call. My husband and I could n't believe how much they lied about! Then they went through a copy of the contract while they said our contract was " printing '' so assumed they were n't lying when they brought the real contract to find when we got home and tag through it more they were lying about that too!! After a hour tedious sales presentation where they make you feel like your not good parents for not taking your kids on vacation we were wore down by the time we did the sampler and did n't think legally they could lie pretending they went over the entire contract to find out we were just scammed into signing ... i am sure they do this to all their sampler customers so could be proven easy with some phone calls to sampler purchasers ( they also mentioned being bought out by a much larger company not too long ago but are keeping the XXXX XXXX name ). # 140 Arizona resident When I researched what the sales agent told us we learned the sales agents lied so we cancelled. # 141 A female in her XXXX is being helped by # 140 through the foreclosure process. She has depleted her retirement savings. She is in fear of losing her house because of a XXXX XXXX and Barclaycard payments. She can not travel so the points are useless. XXXX has been of no help. # 140 said she is contacting all their local television stations and newspapers. # 142 We were told to buy points at the price we purchased because XXXX bought XXXX and they will raise the price per point to {$8.00}. We were not aware XXXX points are worthless on the secondary market. Virginia Sales agent XXXX XXXX told us we would be able to refinance at XXXX XXXX at 6 % for ten years. XXXX XXXX does not offer this. Fees were not what they promised. This is not the first complaint against XXXX XXXX. XXXX told him they will not cancel the loan and reminded him the QA session was recorded. I warned XXXX that recording the QA will only benefit XXXX. Typically, the sales agents say, dont tell anyone about this because it is not public and I could get in trouble or something similar. I have purchased points. The QA section is nothing but a checklist and by that time the buyer is so wiped out they just want it to end. # 143 We were told to buy more points because we would be able to pay our maintenance fees with points and XXXX is starting a buy-back program next year. # 144 is a XXXX XXXX. She is working on an article about the traveling band of XXXX XXXX XXXX. Told the guy we were financially strapped and payments were too high. He said we needed to refinance and get " indemnity insurance '' ( has anyone heard of this? ). He was going to drastically lower our monthly payments AND we would no longer have to pay membership fees. We were ready to make it happen. Low and behold, he could n't make the payments as low as he thought, but they would still be lower than we were paying. But wait! There 's more! If we act immediately, he could almost triple our points for the low price of {$4000.00} ( which would be lumped in and our payments would be slightly lower than we are currently paying ). My husband looked at the paperwork and realized we were n't refinancing at all. We currently owe around {$12000.00}, and the new paperwork said over {$30000.00}! How can these people sleep at night?! We were talking about trying to get out of debt and the financial strain this has put on our family and they lie and deceive us to get us into more debt?! Thank goodness we ran before we signed. When I asked the name of the resort and the agent : We have no resorts near us, so it was a group that travels around the nation to " help '' owners who ca n't attend one at a resort. It was in XXXX. The guy said he was n't a direct employee of XXXX, he was an XXXX XXXX hired by them ( to build our trust ... '' I know their dishonest methods. They wo n't tell you this, but I can because I have nothing to lose '' ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-26

San Francisco, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: im having an issue with Barclays Bank reporting an old stale incorrect debt on my credit report and everytime I call and ask to speak to them about it they keep referring me to XXXX XXXX to whom they sold the account to but XXXX XXXX is no longer reporting and ceased collection activities furthermore there was only one XXXX account with Barclays bank but they are reporting 2 accounts XXXX and XXXX XXXX XXXX & XXXX XXXX so I am confused as to what is what and the account was defaulted a long time ago as the statue of limitations has passed and this is having a negative impact on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response