BARCLAYS BANK DELAWARE
Consumer Complaints
There are over 7700 complaints on file for BARCLAYS BANK DELAWARE. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 125
2017-08-29
Gloucester City, NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I was told I 'd be sent a credit balance refund for over 3 thousand dollars from Barclays. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. Barclays was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau.
I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling Barclays is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-29
Millcreek, UT
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Filed for bankruptcy
Complaint: Barclay Bank is in violation of the Bankruptcy courts and violating the automatic stay. They were included in my discharged bankruptcy XXXX yet continue to report and contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-29
MA
Identity theft protection or other monitoring services
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Problem canceling credit monitoring or identify theft protection service
Complaint: Never had payday loans, never any mortgage but XXXX and XXXX 10yrs plus, one credit card in ten yrs XXXX XXXX, one student loan 2016. This is all I 've had in ten yrs.
Also I was denied for drugs alcohol n theft from work supposedly. I have never done a drug test for work and I have never stolen. XXXX says they do n't have info. XXXX trust out of XXXX main main office pulled back ground and has a ton of abnormal inquires n accnts I 've never heard of. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, other mortgages unknown to me, XXXX, XXXX XXXX, XXXX XXXX, tons out of FL, tx, ny, ok, mo, nv, ca, I mean every other state but mine mass. My family and I have been recent victims to identify theft. I need help clearing this from my file I have never ever been in this kind of situation I need help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-29
Rncho Domingz, CA
Managing, opening, or closing your mobile wallet account
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: Ca n't add XXXX to account online at XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-28
San Francisco, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: A few weeks ago, I sent this company a letter dated XXXX XXXX, XXXX, requesting Account # XXXX, BARCLAYS BANK DELAWARE, to be removed and blocked from my credit report. I stated in the letter that this account was fraudulently opened and I am a victim of ID theft. I sent them the required documents in order for this item to be removed and blocked from my report which is attached to this complaint. I sent them a NOTARIZED FTC AFFIDAVIT and a copy of the police report I filed a long with the letter requesting removal. I have never, in any form, benefited from this account. All, companies whom I sent these letter and documents, has been compliant and removed the items they are reporting. Only Barclays bank refused to do so and violated FCRA. This company violated : FCRA XXXX ( XXXX XXXX. XXXX ) ( a XXXX XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; XXXX XXXX XXXX a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and XXXX XXXX XXXX a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection XXXX a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; and ( XXXX ) of the effective dates of the block.
XXXX c XXXX XXXX to decline or rescind.
( XXXX ) In general. A consumer reporting agency XXXX decline to block, or XXXX rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section XXXX ( a ) ( XXXX ) ( B ) of this title.
( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer XXXX report the identity theft to the XXXX to obtain consumer information regarding identity theft.
( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if XXXX XXXX XXXX the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-28
WI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-27
Dulac, LA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Investigation took more than 30 days
Complaint: On XX/XX/XXXX a representative from XXXX ( XXXX XXXX ) signed my return certified mail receipt XXXX ; for a dispute letter that I sent. On XX/XX/XXXX I pulled my credit report which is past the 30 day allowance which was XX/XX/XXXX. Barclays have failed to mark my account disputed which is a FEDERAL and STATE violation, to be exact Fair Credit Reporting Act Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the REQUIRED 30 day allowance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-27
Chicago, IL
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Barclays Bank Delaware XXXX XXXX All these were the dates that my credit was ran at these stores. I got in contact with all of them because I was a victim of identity theft and explained the situation to them and nothing was done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-26
Tarzana, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: In XXXX of XXXX I made a purchase at XXXX and charged the purchase to my XXXX XXXX card issued by XXXX XXXX. The purchase was a promotional purchase made with deferred interest if paid within 18 months.
Every month since then I have paid the new charges plus an portion of the deferred charges. Each statement showed that the deferred balance was going down, as well as the deferred interest.
The XXXX/XXXX/XXXX statement showed a total balance due of {$410.00} due by XXXX/XXXX/XXXX. I paid of the entire balance {$410.00} which was credited 5 days before the payment was due, on XXXX. During the period between the XXXX statement and the XXXX statement I continue to use the card for it 's normal monthly purchase plus and emergency charge for XXXX XXXX.
When I received the XXXX statement I saw that NONE of the promotion balance was paid down. Calling XXXX I was told that the payment was credited to NEW charges BEFORE they were credited to OLD charges. I was told that this was because the new charges would have a higher interest rate then the 0 % promotional rate.
FIRST - the new charge were not billed till XXXX and are not due until XXXX. If I were to pay off the new charges on XXXX bill by XXXX - regardless of the promotional balance - since I paid the entire due balance on the previous bill - I would be charged ANY interest. ( I will not be able to pay off the entire amount in the next 60 days. ) Because I will not be able to the new charges by XXXX I will be charged the ENTIRE DEFERRED INTEREST on the promotional purchase, even though I paid the full balance due on the XXXX statement.
TO MAKE MATTERS WORSE - I was told by XXXX XXXX that if I would have paid the bill on XXXX - the last day it was due - rather than XXXX - 5 days early - the payment would have been credited to the promotional balance because it was within 60 days of the date the total promotional balance is due. THEREFORE - I am being penalized because I paid off the total balance of my bill 5 days before that due date.
I have NEVER had a credit card, or any credit account, that did not credit payments to the oldest amount due. ( In looking at all my old bills I now discovered that all my payments were credited to new charges instead of old balance because there were new charges on the credit card. That is - payments ALWAYS went to new purchase that were NOT DUE before they were credit to old balances. ) Because of this practice - XXXX has ; 1 ) increased the deferred interest charged because they did not properly credit payments ( I always paid off new charges on the previous bill PLUS a large portion of the promotional balance ), and 2 ) made it difficult to pay off promotional balances because the always credited payments against new charges ( before they were due ) rather than old charges.
By crediting the payments on new charges XXXX is not honoring their " Grace period on interest if paid within 25 days of the date of the statement. '' In addition - on the attached XXXX statements - it is stated in paragraph B of How to avoid paying interest on purchases - it mentions how to avoid when not paying balance in full - implying that there is no interest when paying the balance in full. I paid the balance in full on XXXX - but they applied it to new purchases forcing me to pay interest on previous purchases EVEN THOUGH I PAID THE BALANCE IN FULL.
Finally - when speaking to the customer service operator AND her supervisor I was told " I agree with what you are saying - but - once the computer allocates payments there is nothing we can do about it. '' I know enough about credit cards and about computers to know this is n't true and it is an insult to me as a consumer to blame the 'computer program ' for not being able to do what is fair and right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-25
Fargo, ND
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: I apologize for the wall of text ; my paragraphs do no seem to show up.
My XXXX credit card sent me some of those promotional checks with 0 % interest for X months with a 1 % fee. A month after it expired I messaged customer service and asked if they were running any promos like that. I was told that check would still be good to use and so I did. Now they are charging me interest and saying because it was cashed a month after the promo they can charge interest and they also charged a 3 % balance transfer fee instead of the 1 % What are my options here? I have what they said all in writing on my cc 's messaging system.
Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Hi, I was sent some promotional 0 % cash advance checks a while back. I thought the offer expired XXXX XXXX, but it was XXXX XXXX. Is that promotion still available? Thank you!
Response Customer Care via Email0X/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to inform you that on XXXX XXXX XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful.
Your business is much appreciated and we will do our very best to continuously meet your credit card needs. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Okay thank you, the paper I received says XXXX XXXX. It 's actually XXXX XXXX?
Response Customer Care via EmailXX/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Why am I getting charged a balance transfer interest and balance transfer fee? I used the 0 % cash advance check Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : This is in reference to your XXXX XXXX XXXX XXXX XXXX We are responding to your concern regarding the convenience check on your account.
Upon review, we see that on XXXX XXXX, XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 % until XXXX XXXX, XXXX, with a transaction fee of 1 % per amount of transaction, minimum of {$5.00}, no maximum fee. However, in order for you to take advantage of this offer, checks must post to the account on or before XXXX XXXX, XXXX. Our records show that the check for {$6700.00} posted on your account on XXXX XXXX, XXXX. Thus, we regret to inform you that the standard annual percentage rate XXXX APR ) for balance transfers which is the Prime Rate of 4.25 % + Variable Rate of 15.74 %, currently at 19.99 % is being applied to this transaction.
Moreover, please note that balance transfer have no grace period and will accrue interest once they have posted to the account. Interest will continue to accrue until that balance has been paid in full. This may mean you will have a residual amount of interest on the statement following the pay off.
You may verify this transaction through the 'Transactions ' tab. To view this, select the 'Activity & Statements ' tab located at the home page. You may choose to view 'Posted transactions ' and can filter the time frame by using the drop down menu and select either transactions 'Since last statement ' or previous statement dates. We hope you find this information helpful.
Though we were not able to meet your needs at this time, please know that we appreciate your business and we are looking forward to catering to your future financial needs. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Do I need to call someone to sort this out? Before I used that check I asked about the promo, it is all in my previous messages on here. The response I was given was : Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account.
We are happy to inform you that you can most definitely take advantage the promotional checks that was sent to you. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful.
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution.
If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX I took advantage of the 0 % promotional check that was sent to me. I deposited it into my own bank account for cash.
Instead of the 1 % fee I was charged a 3 % balance transfer fee. Also, you have been charging me interest on the 0 % promotion.
Response Customer Service via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your concern regarding the check used on your account.
We apologize for the confusion regarding the checks that was sent to you. Upon review, we see that we sent promotional checks on XXXX XXXX, XXXX and XXXX XXXX, XXXX.
Our records indicate that you have used the check that was sent on XXXX XXXX, XXXX which has 0 % promotional interest rate with 1 % transaction fee that must be completed on or before XXXX XXXX, XXXX. The check has posted on the account on XXXX XXXX, XXXX. Therefore, the promotional rate was no longer available and was not applied on the account. We hope that we have been able to clarify the situation. We hope you find this information helpful.
We would like to take this opportunity to express our gratitude for your business. If you have any other questions or concerns, please reply to this message.
Sincerely, Customer Service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-08-25
Cheektowaga, NY
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
2017-08-25
Manhattan, NY
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
2017-08-24
Chester, PA
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 non-monetary relief
2017-08-24
Lionshead Lake, NJ
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 monetary relief
2017-08-24
Severn, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-24
Atl, GA
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
2017-08-23
Keytesville, MO
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: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2
Company Response: Closed with explanation
2017-08-23
Carson, MS
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: my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen.
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house.
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report.
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do.
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-23
NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: XXXX17- applied for a Balance transfer for {$1900.00} online. Notice that the actual account the transfer was to credit was wrongly entered by one number at the end.
Same day- contact company thru their website Consumer Service line with written information that the account was wrongly enter. They reply back with a generic statement for transfer details.
XXXX17- Balance transfer was completed for XXXX on my statement. But, it did not post to the right account due to error for wrong number at the end. They say that I would need to wait 7 -10 business days to see if the account would have the posted to the credit card.
XXXX17- I waited the 10 business days for the account to post with the {$1900.00} dollar fund to the other credit card. It did not post. I personally called and talked with a Consumer Relationship Manager- told them again- the account was wrong by one number and was entered wrongly. He verified that the account was different by the one number at the end.
They would open a case on this and credit my account with {$1900.00} within a few days and check my statement for the credit of {$1900.00}. The case number is XXXX.
I additional wrote thru their website for the credit of {$1900.00} to my account. They send another generic response back.
Today XXXX17- I wrote again and asked when will my account be credit for {$1900.00} transfer. They responded with a generic response that I would need to wait up to 30 days to have this credit to my account.
After working with company to first to correct the issue before they would post the transfer they refuse to listen to my concerns. Then the money did not post to the Credit card and they finally noticed that the account was wrongly entered in to the system and say they would credit my account within a few days. Now I need to wait additional 30 more days. If I was late with a payment as they are late with my credit due to me then I would be charge huge fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-22
Kawaihae, HI
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Delay in processing application
Complaint: On XX/XX/XXXX, I applied for a Barclaycard Visa with XXXX XXXX. Please note that I already hold a MasterCard issued by Barclays and that my FICO score is in excess of XXXX. On XX/XX/XXXX, I received a letter requesting copies of my social security card, driver 's license and bank statement or utility bill with my name and address. I contacted Barclays and they told me that these documents were required to establish my identity. After that conversation, I copied these sensitive documents and mailed them to Barclays as requested. On XX/XX/XXXX, I mailed copies of my social security card, drivers license, bank statement, electric bill and a copy of my owner information and parcel description from the XXXX XXXX Real Property Tax Records. Throughout the month of XXXX, I have made numerous calls to Barclays and asked for the status of my application or to return my identification documents to me. They have done neither. Meanwhile, I received letters dated XX/XX/XXXX & XX/XX/XXXX requesting the information that I have previously sent to Barclays! Today, I called Barclays and this time, I was told that application was denied but the representative could not tell me the basis for the denial. Meanwhile, I am extremely worried that Barclays has lost my identification documents and I am at serious risk of identity theft due to their incompetence. Also, I am very concerned about the effect that a denial of credit will have on my FICO score. I have spent a lifetime maintaining a stellar credit rating which is now being jeopardized by Barclay 's negligence. Finally, please note that I am a senior citizen and that I believe that I am also a victim of age-related credit discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-22
CA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Complaint: My application number is XXXX. It is for barclaycard XXXX XXXX XXXX XXXX. I applied for the credit card in XXXX of XXXX. And it was denied in XXXX. So I called them and the credit card company ( barclaycard ) and they told me that they need additional information to verified me. On XXXX/XXXX/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 XXXX/XXXX/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 XXXX/XXXX/XXXX. On XXXX/XXXX/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 XXXX/XXXX/XXXX. Two week gone by after XXXX/XXXX/XXXX I called them to verify if they have received the documents. On XXXX/XXXX/XXXX, I called the credit card company and talked to XXXX ( ID # XXXX ) around XXXX XXXX XXXX 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 XXXX/XXXX/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 XXXX/XXXX/XXXX and 2nd time on XXXX/XXXX/XXXX ). And she still saying that they only received the utility statement only. So I escalated to the supervisor that day. On XXXX/XXXX/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 XXXX/XXXX/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 XXXX/XXXX/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 XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called them again and talked to Supervisor XXXX ( ID # XXXX ), she then told me the application was approved on XXXX/XXXX/XXXX but on XXXX/XXXX/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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-22
Pasadena, 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
2017-08-22
Port Chester, NY
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
2017-08-22
Discovery Bay, 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
2017-08-21
Nyc, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: On XXXX XXXX XXXX, XXXX card closed the credit card I had. The card # is XXXX XXXX XXXX XXXX. The reason they said was because I tried to make a payment from an unauthorized account. The payment was returned and I have made payments from the correct account before and after this incident. The returned payment was made on XXXX XXXX, XXXX in the amount of {$XXXX}. The account unauthorized was an account in my name at the Federal Reserve in XXXX, account XXXX. I was told I could use these funds as they were in my name, but I was misguided and and made a mistake. What account I tied to use should not be relevant to the credit card company. That is between me and the account holder where I tried to make the payment from. I have pleaded with them to not close this account. I apologized for the mistake. I feel I am being treated unfairly because of this mistake I made. This is a case of disparate treatment. They do not close the accounts of other card holders for making the same mistake. I have been singled out and treated less favorably as a result of the mistaken unauthorized payment. My civil rights, Title VII of the US Civil Rights Act protects me and they need to treat me the same way they treat any consumer that makes a mistaken payment. Barclay 's has said they are closing all accounts who tried to make payments from the Fed. But they have admitted that they do not close accounts for other card holders who make mistaken payments from unauthorized accounts other than the Fed. Not fair treatment. A mistake is a mistake. There was no harm done as I paid a {$XXXX} returned payment fee. What is so special about my behavior and error in payment that gives them the right to close the account, while I was on vacation, when other consumers have made a similar error and not had their account closed? Barclays card customer service # is 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