BARCLAYS BANK DELAWARE

2017-09-11

Ballwin, MO

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2017-09-11

Garrett Park, MD

Fees or interest

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

Problem with fees
Complaint: I recently read a newspaper article that stated Barclays ( barclaycard ) has been fined by the Fed Reserve and NY State more than any other Bank. It has come to my attention, that barclaycard is charging customers late fees during this horrific hurricane season. Please stop them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-11

Oxford, GA

Incorrect information on your report

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

Account information incorrect
Complaint: my account is in error which is reporting 30 days late for XXXX 2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-11

Rehoboth Bch, 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
Complaint: XXXX XXXX : XXXX/XXXX/XXXX. Credit Card : XXXX XXXX XXXX XXXX issued by XXXX XXXX Barclays Bank Delaware ). XXXX XXXX : {$130.00}. Merchant Name : XXXX XXXX. Website : http : //XXXX/. Description : The item arrived damaged in very poor condition. It has huge, open knot holes. The tips of the whales tail are missing paint. Apparently, it wasnt completely dry when shipped, as the tips were stuck to the cardboard packaging. There is a gouge in the wood, along with multiple splits and cracks. There is blue paint splattered on the XXXX XXXX teeth. Lastly, I paid extra for XXXX XXXX for outdoor display, but there is nothing that signifies it is an upgraded item. It simply looks like a rejected piece of plywood. Website Description : This large XXXX XXXX XXXX, XXXX XXXX XXXX is swimming along with his mouth slightly open revealing his many XXXX XXXX teeth. His tail is turned so you can see the full width of its wings. A true symbol if the enchantment of the sea! Keyhole in the back for quick and easy hanging. He 's cut from XXXX XXXX plywood. Sellers description says nothing about item having knots, splits, cracks, and/or gouges. XXXX XXXX : Contacted merchant numerous times requesting a replacement or partial refund. Merchant refused. Contacted XXXX Customer Service on XXXX/XXXX/XXXX : The back of my credit card statement states, " If you are dissatisfied with the goods or services that you have purchased with your credit card, and have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. '' Even though I tried in good faith to correct the problem with the merchant, and have not yet paid for the purchase, the XXXX Representative refused to open a dispute, nor honor the terms of the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2017-09-11

Lynbrook, NY

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

Timely Response

2017-09-11

Charles A Hayes, IL

Incorrect information on your report

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

Personal information incorrect
Complaint: credit pull without 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

2017-09-11

Washington, DC

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

2017-09-11

Cambridge, MA

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

2017-09-09

Hollywood, CA

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
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

2017-09-09

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2017-09-09

Hoard, TX

Incorrect information on your report

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

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

Timely Response

2017-09-08

Jersey City, NJ

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

2017-09-08

Wonder Lake, IL

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: I have a total of XXXX inquiries on my credit report, but I do not know what 3 of them are. Barclay 's Bank Delaware - XX/XX/XXXX XXXX - XX/XX/XXXX 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

2017-09-08

Stafford, VA

Getting a credit card

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

Application denied
Complaint: Hello, My complaint is against XXXX when I tried to apply for an XXXX XXXX XXXX Credit Card. I had previously applied for this card a couple of months ago and was not approved due to high balances and to many credit cards etc. I called them on XX/XX/XXXX to see about having them rerun my application since I had recently paid off my credit cards. When I was on the phone I was asked a lot of questions that I was more than happy to answer for the agent. I had informed the agent that I should be approved now since my cards were paid off and that I had a FICO score off XXXX. The agent informed me that indeed it look like my credit was getting better and I had a high FICO. However, at this time she was not able to issue me a new credit card. At this time, I was really upset since I told her that her company sent me the offer to apply for the credit card in the first place. I really feel the only reason I didnt get this card was because of my last name of XXXX. I normally wont waste my time on this issue however, this is just not right at this time. I am attaching the decline letter that also shows my FICO score of XXXX. Thank You, 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

2017-09-08

Flint, MI

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

Timely Response

2017-09-08

College, NY

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-07

Sylvania Township, OH

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: I purchased a sampler time share pkg from XXXX XXXX on XXXX for {$3900.00}. After 3 hours was rushed through contract and told many lies. Was told if after 2 yrs if did not continue, would be refunded purchase price. I am now told if it 's not in the contract I 'm basically out of luck. I was not told of required presentations if book a trip with sampler. I was also not told it was limited destinations. Then i was encouraged to get the Barclaycard, was told pmts would be {$40.00} a month, was not told, promotional rate would end in XXXX of XXXX and start paying interest. I have been told to contact the sales guy, do not have his info, keep getting run around in emails. I want this debt canceled, I have no intentions of using XXXX or barclay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-07

Palmerton, PA

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

2017-09-06

Carmel, CA

Incorrect information on your report

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

Account information incorrect
Complaint: Barclays bank continues to send me correspondence that there is a balance owed and due when in fact we have settled the account and the account balance is XXXX. Barclays has not updated the credit reporting agencies and will not provide written confirmation that the account has been settled and is at a XXXX balance and has not provided that information to the credit reporting agencies. XXXX XXXX at Barlcays will receive this complaint and that is the person who I have been trying to get this information from. XXXX is not going to provide an unbiased response on this report and so it should be transferred to another corporate representative to prepare the response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-06

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

2017-09-06

AZ

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: Spoke with XXXX XXXX from Barclay XX/XX/XXXX Barclay Bank Delaware allowed a fraudulent account to be opened on or about XX/XX/XXXX, I notified the Fraud department for Barclay Bank Delaware that the account was fraudulent and that any and all charges that were on the account was fraudulent and I wanted to dispute them. A investigative representative for the Bank contacted me stating that the investigation was concluded and that the account was opened by a family member most likely, so they would not consider it as fraud and that they would not provide me a signed contract or agreement as there was none, he stated that the account was opened online. I disputed the items via the credit bureaus as well and Barclay Bank Delaware provide false account information. Barclay Bank has utilized fraudulently obtained information in opening this illegal account and knowingly allowed it to be opened by suspicious mean, lax security measures and failed to protect my consumer information and provide adequate security, protection and resolution measures in alignment with the FCRA. They have continued to report on my credit report an account that they themselves admitted that they found to not be mine. Stating, " Tho the account is n't yours we reasonable believe it is someone in your house hold therefore you are responsible '' Monday will work on it, will call back no later the XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. Followed Up to Calls Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX. Spoke with XXXX in fraud, she said she would reach out to XXXX XXXX or someone in upper management to see if they could sort this out. I was transferred to a Supervisor other than XXXX who stated that he was out of the office for the week, however that she reviewed the account and that the account would not be removed and that I would be held accountable for the account. I asked for a copy of the signed application and signed agreement, she stated there was non and that they did not utilized signed agreements that they just verify information and if it matches up they approve the account. At the time the identity theft occurred I had a fraud statement on the account as well however they were still able to open this fraudulent 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

2017-09-06

Affton, MO

Other features, terms, or problems

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

Problem with rewards from credit card
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

2017-09-06

VA

Incorrect information on your report

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

Account status incorrect
Complaint: Complaint XXXX was closed by CFPB although the merchant ( Barclay 's Bank ) advised me they were still working on it. XXXX from Barclays indicated she was working on finding the incorrect address issue with the original billing. I called her repeatedly with more information, but she did not respond. The company 's letter was incorrect and reveals that either their records are faulty, or they are concealing the true nature of our conversations. XXXX 's description of my telephone calls with Barclays is false. i specifically talked with the representative about my change of address and the fact that Barclays sent the bill to the wrong address. The fact that XXXX hides this makes me think they are intentionally providing false information to CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-06

Acworth, 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

2017-09-05

San Francisco, CA

Getting a credit card

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

Application denied
Complaint: This is not the duplicate complaint. Because the Company did not answer and address to my complaint to my satisfactory at all. My application number is XXXX. It is for XXXX XXXX XXXX XXXX XXXX. I applied for the credit card in XX/XX/XXXX. And it was denied in XX/XX/XXXX. So I called them and the credit card company ( barclaycard ) and they told me that they need additional information to verified me. On XX/XX/XXXX I sent them the required documents ( Drivers License, Social Security card and my current original utility bill and Bank statement with my name and address ). I sent them all four documents and staple them together on XX/XX/XXXX to the following address : XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX. After 4 weeks of sending the documents to them, they are no response from the credit card company. So I called them on XX/XX/XXXX. On XX/XX/XXXX, one of the representative from the credit card company told me they have not receive any documents from me and told me to mail them again. So I did mail them the all the documents again on XX/XX/XXXX. Two week gone by after XX/XX/XXXX I called them to verify if they have received the documents. On XX/XX/XXXX, I called the credit card company and talked to XXXX ( ID # XXXX ) around XXXX XXXX PST, she told me they only received the utility statement but not the Social Security card and Driver License card. I told them all the documents were stapled together how can you only receive one document not all the document. XXXX them told me that she will look into it and called me back within 2 days. But XXXX never called me back. On XX/XX/XXXX I called the credit company and spoke to XXXX ( ID # XXXX ) and explained to her that I have sent them all the required documents twice ( 1st on XX/XX/XXXX and 2nd time on XX/XX/XXXX ). And she still saying that they only received the utility statement only. So I escalated to the supervisor that day. On XX/XX/XXXX, XXXX then transfer me to the Supervisor named XXXX ( ID # XXXX ). Supervisor XXXX then proceed to ask me additional information to verify me. After the verification. Supervisor XXXX told me he can approve my credit card application with {$5000.00} dollar credit limit and I will receive the credit card within 7-10 business days. After 3 weeks of not receiving the credit card so I called them again. On XX/XX/XXXX I called the credit card company again. I talked to XXXX ( ID XXXX XXXX ), she then told me the credit card has been denied on XX/XX/XXXX due to bank policy and Patriot Act of XXXX by XXXX XXXX XXXX. Then I ask to speak to a supervisor, she then told me there were no supervisor available at that time. So 6 days later I called them again to ask why was my application denied if the supervisor already approve on XX/XX/XXXX. On XX/XX/XXXX I called them again and talked to Supervisor XXXX ( ID # XXXX ), she then told me the application was approved on XX/XX/XXXX but on XX/XX/XXXX it was cancelled. I ask the supervisor XXXX why it was cancelled, she then told me we can not give you a reason due to security issue. I then ask her that I have a right to know. She then very abruptly saying that there is nothing she can do about it and hang up the phone. On XX/XX/XXXX talk to Office of President at XXXX XXXX regarding the application but XXXX was not in. Please answer the following questions : 1. why is the reason the application was denied since it was already approved by the supervisor XXXX on XX/XX/XXXX. 2. If you need more information from me what can I do? I already send you guys the social security card and driver license twice already. I can send the another one but what is going keep you guys from saying you never received them. Can I just send you through email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response