BARCLAYS BANK DELAWARE

2017-08-21

Haven, WI

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 monetary relief

Timely Response

2017-08-21

Brentwood, TN

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: I am submitting this complaint to let you know about a merchants transaction processing. I have a billing dispute with this merchant and was informed my dispute can not proceed. I was given a different dispute case number in each letter regarding the same dispute, so Ill provide them all in the order I received : XXXX, XXXX, and XXXX XXXX through DBO XXXX ( how it was provided in third letter ). The merchant, XXXX, operates prediction markets at XXXX The transactions are for deposits in an online trading account. On my credit card statement, these transactions post as purchases and not cash advances. Shouldnt transactions like this be considered cash advances? I have seen other online ( non ATM ) transactions processed as cash advances. Any time money is loaded to an online account, it is usually treated as a cash advance. If these transactions posted as cash advances and due to the lower cash advance limit ( that is a portion of the full credit line ), it would not have been possible for me to deposit as much as I did on this site. My dispute involves 28 transactions from XX/XX/XXXX to XX/XX/XXXXand three transactions in XX/XX/XXXX. First they said the transactions from XX/XX/XXXXto XX/XX/XXXX are too old to be disputed and the XX/XX/XXXX transactions were the only chargebacks completed. Then they said they will consider the 28 transactions ( since there are exceptions to the dispute time limits ) for dispute proceedings, but then a short time later they said vie phone call the transactions cant be disputed because the funds were loaded to an investment account and are older than 60 days while the letter I received a few days later ( only referenced the transactions from XX/XX/XXXX to XX/XX/XXXX ) stated the dispute is denied because when funds are loaded to an investment account, there are no dispute rights ( nothing about a time limit ). If this is the case, then why were the chargebacks completed for the XX/XX/XXXX transactions? I think the XX/XX/XXXX chargebacks were easy because they were within the normal time limit for chargebacks. I believe chargebacks older than 120 days require an extra step/process and they dont want to process them due to the extra work, which is the reason for receiving different excuses for the dispute being denied. I have lost over {$83000.00} on this site through deposits on seven credit cards, with {$23000.00} on Barclay MasterCard. During the month of XX/XX/XXXXalone, I have made over {$44000.00} in deposits. During the month of XX/XX/XXXX, I have made about {$27000.00} in deposits. This site takes unlimited amounts of deposits, only accepts deposits by credit card, and does not offer other options to fund their accounts, such as electric bank transfers, wire transfers, or XXXX. Most online trading sites do not accept credit card deposits or have low limits in how much one person can deposit by credit card. The only way to fund most online trading accounts are by ACH bank transfers or wire transfers. My main reason for my dispute is not about losing money, but about the amounts of funds they allowed me to deposit. While I should not have deposited these amounts, XXXX should not have accepted unlimited deposits and/or Barclay should not have approved all of the transactions. I noticed recently the merchant violated their own terms of service by accepting too much money. These terms are available at XXXXHome/TermsAndConditions that state, a limit on investment by any single participant in any particular contract [ of ] {$850.00} and You must not deposit more than the permitted amount with the XXXX XXXX. The permitted amounts for any Market are set forth on the Website. Where you deposit ( or attempt to deposit ) more than this amount, the XXXX XXXX will be entitled to reject or return your funds. They took deposits that far exceeded this {$850.00} limit per market on multiple credit cards. I discovered that there were several markets that I lost a lot more than {$850.00} and I counted 19 of these as follows ( all amounts identified are loses ) : AG SEC {$7900.00}, COMM SEC {$2200.00}, ED SEC {$1100.00}, ENERGY SEC {$4800.00}, HHS SEC {$2500.00}, SEC DEFENSE {$1800.00}, SEC STATE {$4900.00}, SEC TREAS {$3300.00}, SEC VA {$1800.00}, TRANS SEC {$1400.00}, AMB CHINA {$1300.00}, OMB {$2100.00}, EPA ADMIN {$3000.00}, SBA {$1400.00}, WH PRESS SEC {$4900.00}, CABINET WOMEN {$2500.00}, RNC CHAIR {$1000.00}, SCOTUS {$2000.00}, and FBI DIR {$1000.00}. These add up to over {$50000.00} and more than {$35000.00} over the {$850.00} limit. Do you think it is reasonable for a web site to take over {$70000.00} in deposits on credit cards from the same user from XX/XX/XXXX( when I opened my account ) to the end of the year? And this is not even counting deposits made in XX/XX/XXXX. I got over my head, accumulated about {$50000.00} of credit card debt, and lost my life savings on this site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-21

Castle Pines, CO

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

2017-08-21

Hollywood, CA

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

2017-08-21

Murrieta, CA

Problem when making payments

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

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

Timely Response

2017-08-21

Augusta, 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 monetary relief

Timely Response

2017-08-21

Wallington, NJ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I received correspondence from this company twice. Both occasions, after requesting validation of debt, and not receiving the validation in a timely manner, or return phone calls, this company filed suit in Special Civil in XXXX County, New Jersey. Let me be clear, at no time did I deny the debt was mine ; I requested validation so that I could compare my information to the information I was being sent. Under the Fair Debt Collection Practices Act, ( " FDCPA '' ), it is my right to request validation of debt. This company ignores those requests. I honestly do not know how their clients can be so clueless as to allow them to continue to do this sort of practice of debt collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-20

Glenmont, OH

Other features, terms, or problems

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

Other problem
Complaint: I am in the middle of transferring balances and consolidating bills. I requested a credit line increase to see if I could get more credit available in addition to the {$3000.00} I already had available. XXXX denied the request and in turn lowed my credit limit. I worked very hard to pay that card down and to use that credit again for balance transfer. This in turn hurt my credit because the credit utilization ratio increased from 30 % to almost 100 % literally over night. Because I am in the middle of balance transfers on other cards, my debt may look higher then normal. XXXX stated it was information from XXXX that they made that decision. XXXX has literally set back my progress to a XXXX or above credit score. I have NEVER missed a payment. I have NO Bankruptcies or major derogatory of any kind. I feel this is an unfair practice to allow a credit company mess with your credit utilization without have a valid reason to do so..like being over the limit or missing payments. XXXX customer service was of no service to me. Why are they punishing people that pay on 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

2017-08-19

Gloucester City, NJ

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: Details of the problems I had with the merchant and Barclays are documented in the attached letter but in summary I do not have the painting and continued to contact Barclays and attempted to contact the merchant but he kept hanging up on me or not returning my call when I left a message or texted. XXXX XXXX, XXXX I purchased a painting presented on TV by XXXX XXXX using my Barclay Credit Card, however I received a fraud alert through my XXXX account, not my Barclay Card. I then researched and could not find this company online so I called the merchant back and cancelled the purchase. I could also see the merchant continue to try to charge my card so I called Barclays XXXXraud hotline and reported the situation and told customer service not to approve this merchants charge on my card because I suspected fraud. Barclays customer service rep assured me that they would not let the merchant charge my card. On XXXX XXXX I checked my XXXX account and noticed that {$1900.00} had been charged to my account again. I immediately called Barclays to complain. Barclays reversed the charge and reached out to the merchant. Early XXXX I noticed the charge again hit my account and at that time Barclays informed my that my complaint was not considered fraud as I had provided the merchant my card #. Since XXXX I have continued to complain with no progress and in XXXX XXXX received a letter from Barclays informing me they will do nothing to help me or reverse the charge. Barclays led me to believe they would protect me, however I learned in XXXX that their system does not have the ability to block a charge once the # is provided.I told Barclays from the beginning Barclays should have advised me to cancel my card and have Barclays reissue a new card and doing so would have protected me. At no time did I receive any advise. I do not have the painting and Barclays has charged my card {$1900.00}. The merchant will not communicate with me an Barclays has shut the case..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-19

NY

Getting a credit card

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

Delay in processing application
Complaint: On Saturday, XXXX XXXX, XXXX I submitted an online application for a XXXX XXXX XXXX after reading all available web site information. The application page indicated an immediate accept or decline decision would be made. However after pressing the apply button, a standard screen appeared that indicated a decision would NOT be made immediately and instead there would be a 10 day wait for processing. I then called the company 's customer service number and requested that the application be cancelled as I was not comfortable with they way the company was representing themselves and the process. I was told by the customer service rep that it was not possible to cancel an application and I would have to wait until I received a mailing from Barclays to proceed further. I told the representative I was most displeased and disappointed with Barclays ' policies first of the application approval/decline process and then compounded by their refusal to cancel an application - particular since this qualifier was not present anywhere on the application page or on the apply button itself. The representative still indicated that there was nothing he could or would do to resolve the situation. If possible, I would appreciate assistance personally from the CFPB and at least please post this experience for others so they can avoid the same problem. 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

2017-08-19

CO

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: Hello, I applied for and received a XXXX XXXX XXXX XXXX XXXX credit card. Although I fulfilled the spending requirements the Barclays did not provided the promised rewards. I complained both over the phone and then in writing, on X/XX/2017, please see attached scanned documents. This attachment includes : 1 ) my written complaint to Barclay, which details the rewards received, versus the rewards promised, 2 ) a copy of the XXXX XXXX XXXX XXXX offer, which supports my request, and 3 ) the answer received from Barclays, which just states We are currently unable to complete your request. This is unacceptable, Barclays should complain with its own offer! Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX
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

2017-08-18

TX

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Deposits or withdrawals
Complaint: I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

CA

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: Barclays Credit Card has an unpaid account and its ruining my credit. I never knew about the account, I never received a credit card, I never received bills from them, I never knew it existed until I ran my credit. I 've contacted them several times they will not give me the account number they will not let me have the invoices for the charges. I do n't have any credit cards on my report that I 'm not paying on. I certainly would n't have a {$500.00} credit card and not pay on it. But here I am fighting for my credit and they are charging me {$670.00} they closed the account for non-payment because I never knew about it. I just want it deleted from my credit report asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Washington Green, CT

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 my XX/XX/XXXX bill there was a charge for XXXX dollars from XXXX XXXX which i did not authorize, I called the XXXX XXXX who handles my XXXX reward card since I did not know who XXXX XXXX was, i was told that XXXX XXXX was billing on behalf of XXXX a company that i purchased a year long XXXX coverage I attempted to call XXXX XXXX with no success so I had a three way call with the bank and XXXX XXXX since they were able to get thru to them where I was not. I was told by the bank that I had to contact XXXX which has no phone number only a live chat which went around in circles since no one on the chat could resolve the problem I was told I would be contacted via email which never happened. I recieved a letter from the bank that stated they needed my permission to consider it fraud and they would send me a new card, I sent that back. My XX/XX/XXXX bill arrived and the charge was still on it so I called them again. They said they were still investigating this charge. They are now sending me a no charge credit card, Today I got a call from the bank, the dispute department, they have no info, issued a new claim number and they now want me to send them some screen shots my brother took. This has caused me hours and hours of my time, some time on my brothers part and a lot of frustration. I feel that they are putting undue pressure on me to pay this fraudulent charge by making it time prohibitive for me to continue to persue this issue. This is the very short version
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Sanders, KY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I applied for the Barclaycard XXXX XXXX card and Barclaycard Frontier Mastercard and was approved for both on XXXX XXXX, XXXX. I completed minimum spending requirements and annual fee requirement for the bonus offers on each card in XXXX. On XX/XX/XXXX at XXXX, I called Barclaycard as 1 ) I had not received my expected XXXX XX/XX/XXXX + XXXX XX/XX/XXXX miles for meeting the XXXX XXXX requirements. 2 ) I had not received my expected XXXX Frontier Bonus miles for meeting the Frontier card requirements. I was subsequently told that my cards were closed without my knowledge. I asked for my call to be escalated to a manager as I had not closed my cards The call was escalated to XXXX who is manager at Barclaycard. He apologized that he could not see why the cards were closed. I explained that I was very upset since my card were closed without my knowledge, I pay my bills on time with never a late payment and that I have not received my bonuses as indicated above. Furthermore, I explained that it seems that Barclaycard closed my accounts to claim that they were not legally required to pay the bonuses. This false advertising as I met the requirements 2 months ago for the bonuses. I appreciate the help. 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

2017-08-18

Chestnut Rdg, NY

Closing your account

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

Can't close your account
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

2017-08-18

Lewisville, TX

Getting a credit card

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

Application denied
Complaint: XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-18

Leeton, UT

Problem when making payments

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

Problem during payment process
Complaint: So there cutoff time for the payments on the due date is XXXX et on the due date they do n't care about anyone on the west coast i ended up paying my payment the same day its due but i work until XXXX et and by that time the payment is already considered late even though its always paid on the same day i am have been fighting with them for the last couple of years on this and they do n't seem to care several calls and emails to the corp offices and they could care less how could they mark a payment late when its still paid on the same day its due its not my fault the computers have a cut off time the point is its still paid on the same day. I talked to XXXX in the corporate offices today and he could care less about the sittuation and we are talking in Circles and that is the way it is. They need to make it later so people in the west coast have time to pay it this is a literal XXXX XXXX pacific time cut off how is this ever fair. And Barclays customer service is very very rude and they could care less about there customer s and whats going on I have made serveral complaints and this rude and arrogant XXXX who is part of there excutive team is the last straw and convice me to make a complaint. There customer service is the worst i htave ever seen and they all need an attitude adjustment especially the excutive offices. There cutoff time for payment s are unacceptable and should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-17

Salton City, CA

Fees or interest

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

Charged too much 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

2017-08-17

Bath, NH

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

2017-08-17

Ladies Island, SC

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 monetary relief

Timely Response

2017-08-17

Lewisville, TX

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: To Whom It Must Concern : On XXXX XXXX, XXXX, I applied and was approved for a Barclaycard Ring MasterCard. The sole purpose of me getting this credit card is because they offered me promotional 15 months of 0 % interest on any balance transfers made within the first 45 days of opening this card. My intention was to transfer {$6000.00} from my XXXX XXXX XXXX XXXX XXXX platinum credit card to this card and pay it off with zero interest. While doing the online application for the card, there was an option to submit a balance transfer and I did so. It was indicated by a green check mark that my balance transfer had been submitted successfully and that it would take 4-6 weeks to process. On XXXX XXXX, XXXX, I received a letter from Barclay, dated XXXX XXXX, XXXX, stating my initial balance transfer was unsuccessful. I promptly called and spoke to XXXX ( Confirmation # : XXXX ) and she assured me that she would resubmit the same balance transfer and that it would be expedited to only take 7-10 business days. Even though she was unable to give me a reason as to why the first balance transfer failed, I would have to say that she was the most helpful Barclay representative that Ive spoken with to date. I patiently waited for this balance transfer to come through my XXXX account and finally, on XXXX XXXX, XXXX, my {$6000.00} balance transfer was accepted. A few days later, while making an online XXXX purchase with my XXXX checking account, XXXX informed me that debit card was invalid. I double checked the numbers and it still gave me an error. I promptly logged into my XXXX account online and was shocked to see that on XXXX XXXX, XXXX, {$6000.00} had been taken out of my XXXX credit card as a STOP PAYMENT on the Barclay balance transfer that had already been approved and accepted. This caused me to go over {$2000.00} into the negative as I had now exceeded my credit line with XXXX. This also caused a stop payment on an online purchase I had made earlier that day with my XXXX credit card, and put a freeze on my debit card and any checks coming through ( causing XXXX to not recognize the account ). I immediately called Barclay but could only be told a Manager would call me back within XXXX. Finally, on XXXX XXXX, XXXX, I was able to speak with XXXX, who stated he was a Manager with Barclay ( Confirmation # : XXXX ). After several HmmmI dont knows, he proceeded to tell me, with lack of empathy or willingness to resolve my issue, that the second balance transfer submitted on the XXXX of XXXX had been kicked back by the 3rd party who issued the check due to an invalid account number. At this point, I got XXXX from XXXX on the line, and asked if she could verify the account number with XXXX from Barclay. The account number was correct and she confirmed that there was no mistake on my part as the customer. All of the information I had given Barclay regarding the balance transfer was correct. The three of us were on that phone call for two and a half hours and the primary reason was due to XXXX lag and sheer indifference to my situation. My dissatisfaction as a customer with Barclay Bank did not seem to matter to him one bit. Not only did he never recognize the mistake that his financial institution had made ( he blamed it on the 3rd party that had issued the check ), but he never apologized for the subsequent hardship it had caused me. In fact, when XXXX asked him to send over a fax or email confirming that the balance transfer error was not caused by me, so that she could at least unfreeze my debit card and give me access to those funds, XXXX wasnt even cooperative. I have truly never experienced anything like this. Feeling defeated and in desperate need to get my accounts back to normal, I asked him to put through a third attempt on the same balance transfer, hoping everything would eventually be resolved between my Barclay and XXXX credit accounts. He read me the required recording, I verbally accepted, and then when I asked if he could guarantee that the same error would not happen again, all he could say is that there was no way to guarantee that. Still, I was hopeful that with speaking to a Manager and having plenty of notes in my account with Barclay, this would be the last time I had to speak with anyone at Barclay about an issue. Two days later, on XXXX XXXX, XXXX, I was having tapas at a local restaurant. I attempted to use my Barclay card to pay for my {$6.00} tab and my server politely advised me that my credit card had been run through twice, and twice declined. How could this be? I knew I had over {$500.00} in available funds and this is after the balance transfer had been submitted for {$6000.00}. One would typically feel embarrassed in this kind of situation but I felt relieved. I knew that this was absolutely the final straw on this Barclay account. I quickly paid my server with cash and called Barclay one last time. I was surprised to automatically be transferred to fraud protection where XXXX asked to verify my account. When I asked her why my credit card had just been declined, she told me that since my third balance transfer had not been verified, my card was put on hold. I was enraged. How could my balance transfer have not been verified when I was on the phone with a Manager for two and a half hours and he had a recording of me saying to proceed with the transfer? She said that two managers had called me the next day and I had not been able to be reached so they CANCELLED the third balance transfer. If it is Barclays policy to verify a balance transfer with a Manager call back ( which Ive absolutely never heard of ), then why did XXXX not inform me of that incoming call during our conversation? I was not under any impression that I should be waiting for a XXXX # to call me in the coming days and, like most people, I do not pick up calls from phone numbers I do not know. Just two days earlier, when I had asked XXXX if there was anything else I needed to do on my end, shouldnt he have told me that? I was a 100 % certain I had done everything right on this third balance transfer and somehow, I still failed to get my money. This is when I asked XXXX to transfer me to Barclays Cancellation Department. Up until now, having dealt with subpar professionalism, and, unenthusiastic, mediocre customer service, I was hopeful that at least the Cancellation Department would fight for me as a customer. I have good credit, I have good history with my other financial institutions, I really thought whoever I got on the line would really feel for my situation and try their best to make an effort to keep me as a customer ; to right their wrongs. I got XXXX XXXX she said her initials were : XXXX ) and much to my dismay and disappointment, it was very evident in the beginning of our call that she was not there to save customers. She seemed to be reading off of a script and after I gave her an exhausting but concise summary of what an awful experience I had had dealing with her institution, she didnt so much as let out a sigh. I believe her exact words were ok as she continued on with her script, as if nothing I said meant anything to her. There was no apology, there was no regret, there was not even an offer to make it right. Maybe I was nave to have hoped for more. It actually became comical when she restated that I would lose my promotional 45day 0 % balance transfer feature should I cancel my card, to which I replied to her that I had not received one benefit to this card and that would be quite alright.
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

2017-08-17

Queens, NY

Getting a credit card

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

Delay in processing application
Complaint: apply for barclays XXXX XXXX XXXX credit card since i shop at XXXX XXXX XXXX all the time .... got a letter requesting a photo copy of my driver license, social security card, bill from a utilitiy company and a current bank statement .... call to ask them why i need to send them all this and was told it was to prevent i 'd thief ... if the letter with all the requested material was ever lost, could n't someone really have an eazy time stealing my ID?? .seems very idiotic to send all this by mail to prevent ID thief .... when i called to ask them about this they ask me 10 different. questions only i would know and yet they insisted i send the request material or they will not process the application ... the worst part is they already checled my credit report and i have an inquiry already listed by barclays .... its very redundant of barclays credit card company to do this and just seem 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

2017-08-17

Manor, 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

2017-08-17

Davie, FL

Closing an account

Checking or savings account: Checking account

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