BARCLAYS BANK DELAWARE

2017-08-09

Hulmeville, PA

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

2017-08-09

Virginia Bch, VA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-09

South Florida, FL

Other features, terms, or problems

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

Other problem
Complaint: Went to make a purchase at XXXX XXXX XXXX guy told me to answer a couple questions on the kiosk and asked if I want to credit card I said no I got a credit card in the mail a week later did not want to credit card from XXXX XXXX XXXX did not ask for a credit card actually paid cash for this transaction was just trying to purchase some magazines they did a hard inquiry on my credit report and I do n't plan on using this card and I never wanted I called after I left the store to make sure I was n't getting a credit card and they informed me I was n't a week later here I am with a credit card for XXXX 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

2017-08-08

Chula Vista, CA

Fees or interest

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

Problem with fees
Complaint: I am an XXXX XXXX Service Member with almost 19 years of service. In XXXX XXXX, while attending a XXXX XXXX XXXX, I was told about the Barclays Gold Card benefits for XXXX XXXX Members. The offer sounded very good so I call Barclays to confirm what I was told about the 0 % APR with waived annual fees for as long as I was on XXXX XXXX. The customer service person that answered the phone confirmed that in fact all annual fees were waived as long as I was on XXXX XXXX and I would receive a 0 % interest on all purchases. Immediately I was asked if I wanted to apply and I agreed. After taking all my personal information, I was told that I would receive approval notice in a few days. The customer service representative also said that in order to get the annual {$990.00} fees waived and the 0 % interest, I had to send some personal documents like my XXXX and XXXX XXXX XXXX. In XX/XX/XXXX all my documents were sent and soon after that I was approved with yearly fees waived ( {$990.00} ) and 0 % interest rate. Soon after the approval, I received on the mail the anticipated Barclays Gold Card Mastercard. In XX/XX/XXXX, I was mobilized under military orders to the XXXX XXXX in support of military operations. My Barclays Gold Card Mastercard became my card of choice to cover all travel expenses. Knowing that my card guaranteed me no annual fee and 0 % APR, I charged all expenses reaching around {$30000.00}. On XX/XX/XXXX I received a letter from Barclays Gold Card dated back to XX/XX/XXXX. The letter arriving so late was common because of my constant moving around the different countries in the XXXX XXXX. The letter stated that I was no longer entitled to the Barclays Gold Card XXXX XXXX benefits and they were going to charge me {$990.00} annual fee on XX/XX/XXXX. They also said that they will honor the 0 % interest. I find this to be an insult and abuse to Service Members. I was promised that the {$990.00} annual fees were going to be waived for as long as I was on XXXX XXXX along with a 0 % interest. I called and confirmed that with Barclays before applying for the credit card. I think proper action must be taken to correct this issue. I was misled by the company and I demand quick action to resolve this matter. I would n't have applied if I know they were not going to honor their promises. I have never been late on making any payments and I am committed to continue doing so. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-08

Jupiter, FL

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: On XX/XX/XXXX, Barclaycard closed all my credit cards I have with them including a recent new card that I just received XXXX worth {$590.00} promotional offer on that was issued XX/XX/XXXX. Barclaycard closed my account right after I got the points and refuse to let me redeem the rewards, a complete switch and bait. I have been with Barclaycard for more than three years since XX/XX/XXXX, and never missed a singlepayment. They claim the reason for disclosure is too many new accounts in the past six months but I only had three accounts opened FIVE months ago. It 's disappointing to see the extremes credit card companies go to save their button line but this is completely unethical.
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

2017-08-08

Oxford, GA

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 took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Clearwater, FL

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

2017-08-07

Annapolis, MD

Fees or interest

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

Problem with fees
Complaint: With my MasterCard Gold Card under Barclays Bank, I am having issue with them not giving me my SCRA benefits under PA State law Title 51. Under Federal Law I do not qualify since my active duty start date is before I open the account. But under Title 51 of PA state Law, It requires that all banks who do operate in PA follow not only federal law but state as well. I know I have these benefits because XXXX XXXX gives me these benefits because of my residence to PA and not my XXXX XXXX start date. I opened the account in XX/XX/XXXX time frame and sent the Law to Barclays where the continued to deny my benefits back in 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

2017-08-07

Canon City, CO

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

2017-08-07

Brown Deer, WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify 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

2017-08-07

Bellaire, TX

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: On XXXX XXXX, XXXX I received an offer from Barclays Bank for XXXX bonus miles. The offer said : SPEND {$2500.00} or more.using your XXXX XXXX XXXX XXXX each month from XX/XX/XXXX through XX/XX/XXXX and youll earn XXXX bonus miles ( Slide 1 ) I went online to sign up for the offer and received the message : Register now to earn XXXX bonus miles when you SPEND {$2500.00} or more in purchases every month from XX/XX/XXXX through XX/XX/XXXX ( Slide 2 ) They now refuse to give me the miles because they argue I spent {$2300.00} and not the required {$2500.00} in XX/XX/XXXX ( Slide 3 ). A look at my credit card statement shows they recorded purchases from XXXX for {$93.00} and XXXX for {$71.00} on XX/XX/XXXX and XXXX for {$50.00} on XX/XX/XXXX. ( Slide 4 ). I went to my accounts with the above mentioned companies. Slide 5 shows that the XXXX payment ( see more about this payment below ) took place on XX/XX/XXXX and was processed on XX/XX/XXXX. Slides 6 and 7 show that the XXXX and XXXX payments took place on XX/XX/XXXX. If we add these payments to my XX/XX/XXXX totals, I did SPEND over {$2500.00} ( $ XXXX+XXXX+XXXX+XXXX= {$2500.00} ). I took a screenshot of my account ( Slide 8 ) on XX/XX/XXXX at XXXX. It shows available credit for {$16000.00} on revolving line of {$19000.00}. That is because I was SPENDING money to make sure I met the threshold, which I did ( $ XXXX- $ XXXX= {$2500.00} ). On XX/XX/XXXX, I contacted the bank regarding the transaction dates ( Slide 9 ). The CSR acknowledged that the transaction, authorization and posting dates may be different. In fact, slide 5 shows that I made the XXXX payment ( SPENT ) on XX/XX/XXXX which they processed on theXX/XX/XXXX. Slide 8, which is from the bank web page, shows they received a request for a temporary authorization on XX/XX/XXXX, but they registered the transaction on XX/XX/XXXX ( Slide 4 also from the bank ). Three different dates for the same transaction, a 2 day lag between the day I SPENT the money and the day the bank recorded it. I faxed the appropriate information to the bank on XX/XX/XXXX, contacted them on XX/XX/XXXX and then called them on XX/XX/XXXX. They refuse to give me the bonus miles. I can control my spending, I can not control when the merchants or the bank register my spending.
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

2017-08-07

Palm Coast, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-07

Clarkstown, 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 non-monetary relief

Timely Response

2017-08-06

Fort Russell, IL

Fees or interest

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

Charged too much interest
Complaint: Before deciding which credit card to apply for, I knew that I wanted one that would have 0 % APR on purchases for the first year. I already have a XXXX and an XXXX XXXX, so I decided on XXXX. On XXXX 's site, I used their tool to find a card that has 0 % APR on purchases, which is the Barclaycard CashForward World Mastercard. Here is a link to XXXX site : XXXX XXXX XXXXXXXX Once on the actual card 's official site, I also confirmed that it shows 0 % APR for purchases. Again, the ONLY reason I chose this card was to get 0 % interest for the first year. Here is the link to barclaycard 's site : XXXX XXXX XXXX Scroll down to Interest Rates and Charges Summary, it shows : APR for purchases : 0 % introductory APR for the first fifteen billing cycles on purchases. Scroll down to Terms & Conditions, it shows : Annual Fee : {$0.00}. 0 % introductory APR on purchases is applicable for the first 15 billing cycles after account opening. 1st Statement : XX/XX/XXXX - No Interest Charges 2nd Statement : XX/XX/XXXX - No Interest Charges 3rd Sttement : XX/XX/XXXX - Interest 4th Statement : XX/XX/XXXX - Interest 5th Statement : XX/XX/XXXX - Interest 6th Statmenet : XX/XX/XXXX - Interest On XX/XX/XXXX I called customer support for the 1st time. I explained the situation, I was told I had made a mistake and they only offer 0 % on balance transfers NOT on purchases. I explained to her that she was incorrect and the actual information was on their own company website. She verified and confirmed that I am correct and am supposed to have 0 % APR on purchases AND balance transfers. She confirmed she put a notice on my account to be corrected. On XX/XX/XXXX I called customer support for the 2nd time. Again, I explained the situation, she said that the note was still on my account and it was being processed. I should notice my interest charges removed from my account on the next billing cycle. Unfortunately, I trusted her and did n't check until recently. Because I was having no success contacting them by phone, I used their " Secure Messaging '' system for support. I explained the entire situation again and how I had previously not been assisted. Their response : " Although we show no 0 % APR offer for purchases, we can confirm that your account was eligible for a 0 % introductory APR for the first fifteen billing cycles following each balance transfer that posted to your account within the first 45 days after your account open date ... '' Again, I am back to them showing no evidence that they are supposed to honor the 0 % APR on purchases, even though it is on their website and on XXXX 's website. Now, I tried to reach out to speak with a " Manager '' of customer service, but again he/she was busy so I would need to wait another 24/48 hours to recieve a call when it is more than likely inconvenient timing for me. The last person I talked with said they do not offer any 0 % APR on purchase cards. I directed her to own company 's website and to XXXX 's page and she said " Oh, well that is offered now. When you opened the card is was n't available ''. I was told all she can do is make a note on my account for " them to research ''. I 'm not allowed to know who is researching and why this time when they research it will be any different than the other times I have called. Unfortunately, they now are requiring me to send in my original terms and conditions for the card, that I received in the mail, but I honestly do n't think I 'll be able to find it. To me, it feels like a complete scam. They list the card on multiple sites showing 0 % APR on purchases for the first 15 billing cycles, then force you to send in paperwork to prove it applies to your card, otherwise they charge you 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

2017-08-05

Columbia, SC

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

Timely Response

2017-08-04

Eagle Pass, TX

Incorrect information on your report

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

Account status incorrect
Complaint: This complaint concerns XXXX XXXX XXXX XXXX XXXX Account No. XXXX As per our conversation on XX/XX/XXXX, XXXX XXXX XXXX represented that upon receipt of my last payment on the above referenced that they would remove any delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies. By payment on XX/XX/XXXX, I satisfied my obligation to XXXX XXXX XXXX with my last payment. Nevertheless, the continue to report my account as delinquent/derogatory status from my consumer files as maintained by XXXX, XXXX, and XXXX consumer credit reporting agencies contrary to our XX/XX/XXXX agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-03

Scottsdale, AZ

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

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

Problem with personal statement of dispute
Complaint: Hello to whom it concern I have asked Barclays to validate this date multiple times. They keep saying this so called debt is verfied but they havent sent me documnetation of this debt and its on credit report. The law states they must provide proof to these debt. They havent provided no documentation at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-03

Rockwell, NC

Credit monitoring or identity theft protection services

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

Billing dispute for services
Complaint: I have attached a 38 page pdf file documenting my experience with Barclay 's Bank Card for a service I paid for that was not rendered. As you review the attached information you will see that I contested a charge from XXXX For Less to fix a transmission of one of my cars that I repeatedly had to bring back to them to fix which they never fixed correctly. Barclay 's Bank Card initially credited my account for this issue, but then put the charge back on my card based on the vendor 's hand written letter indicating that I had a 2 year warranty for the work performed. Based on this I continued to take the car back to this vendor to have it fixed correctly which was never done, then coming to the end of the 2 year period I resubmitted to Barclays Bank Card for this to be credited to my account which they responded that it had been too long for them to contest this with the vendor. You will see that I continued to contest this entire escapade with Barclays Bank Card and during that time they turned my account to their collections department while I was still engaged with their billing dispute department. Finally after over a 2 year dispute I agreed to settle with Barclays Bank Card with the condition no late payments would be filed with the credit bureaus which is the reason for my complaint. The fact that Barclays Bank Card says they tried to contact me for more information and I did not reply to them is insulting. You will see in the attached documents I contest the fact that I did not respond. My request is quite simple, although I am not pleased at all with this entire experience with the vendor as well as Barclays Bank Card I do not feel that late payments should have been reported to the credit bureaus causing my credit score to drop 77 points because I was still in communication with the Barclays Bank Card 's Billing Dispute Department trying to resolve this situation when they apparently flipped my account to their Collections Department. The last point I would like to make which I am sure you in your line of work are familiar with is that with well over 100 hours invested in my attempt to resolve this situation I was never able to speak with someone who had the knowledge and authority to help me with my problem. I repeatedly was told the same things as if they had a script which can also be seen in the attached correspondence. Finally the only thing I am asking for is to have the late payment reporting to the credit bureaus retracted based on Barclays Bank Card inappropriate handling of this situation. Thank you in advance for your help with this matter. 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

2017-08-03

FL

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Company closed your account
Complaint: XX/XX/XXXX I received an email about my account. XXXX account created but not funded. Please log in to your account to get started saving money with Barclays market-leading rates. If you have any questions, please call Barclays Customer Care at XXXX. We 're here to help you, seven days a week from XXXX to XXXX ET. Or, you can always manage your account online at XXXX. So I called and went through all my security questions later received emails that it was a change to all my account details of person information. A lady goes by the name XXXX gets on the phone calling me a fraud saying that they only do business with financial institutions she stated I 'm not a financial institution I agreed that I 'm a financial institution I have a check book that says so. She stated that I 'm a scam fraudulent hurt my feelings all I wanted was to invest in my son and daughter futures. She hangs up on me I called back she said that she ca n't talk to me. how am I a fraud my account was closed unlawfully because 42U.S.C SECTION 1983 I believe that they are stealing accounts from the minority please help me resolve this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-03

Scottsdale, 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
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

2017-08-02

Key Biscayne, FL

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 XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-02

Garrett Park, MD

Incorrect information on your report

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

Account information incorrect
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX is reporting that I paid {$2900.00} per month for an outstanding loan, and it 's keeping me from getting approved for loans or any consumer credit. XX/XX/XXXX Barclays Bank Delware {$2500.00} is showing revolving credit, this account was satisfied and closed out in XX/XX/XXXX it 's still being reflected on my credit report. I disputed in XXXX and was advised it was removed.XX/XX/XXXX XXXX XXXX account was disputed, and satisfied still being reflected on my credit report. XX/XX/XXXX XXXX XXXX XXXX XXXX {$1100.00} was satisfied in XXXX still being reflected as a negative result on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-02

Saint Petersburg, FL

Closing an account

Checking or savings account: Savings account

Can't close your account
Complaint: I sent written instructions to Barclays Bank to close my savings account ending XXXX. The terms of the account say that I can close it at any time. Rather than closing the account, they have blocked me from sending correspondence. Note that the terms of the account do not require that I call them and I refuse to do so because ( 1 ) there is no written legal record of the closure request if it is made orally and ( 2 ) this is a blatant attempt to make it difficult to close accounts in the hopes that consumers simply keep them open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-02

City Industry, CA

Trouble using your card

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

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

KS

Getting a credit card

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

Sent card you never applied for
Complaint: I received two unsolicited credit cards from two banks. They told that the applications were received via phone calls. I have not responded or accepted any new credit card offer via call initiated by those banks. My phone numbers were not changed in the past 6 years. They were not supposed to issue a card when there is no way to verify the person 's identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response