BARCLAYS BANK DELAWARE

2019-09-19

Bayonne, NJ

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

2019-09-19

Kawaihae, HI

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

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

Their investigation did not fix an error on your report
Complaint: Please find attached certified letter sent to Barclay in regards to inaccurate balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-19

Limerick, 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

2019-09-18

FL

Fees or interest

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

Unexpected increase in interest rate
Complaint: This company is unbearably incompetent. In XX/XX/2019 I applied for a balance transfer to a 18 month 0 % APR Barclay card. When I did this transfer ( from a XXXX card ), I accidentally typed the wrong account number in. I called Barclay to fix this, they said I had to file some paper work. I called XXXX, and they told me they had already remedied the issue, and not to worry about it ( cause this is how a competent company manages money ). I called Barclay back and told them XXXX took care of it and to ignore the file I had made of correction. A week went by, My XXXX card was XXXX out, and my Barclay card had the correct amount of debt on it ( Starting at about XXXX ). All of a sudden 3 months later, Barclay randomly decided to just decimate this card. They said my file of correction ( that should've been shredded ) forced them to return the entirety of the {$14000.00} credit to XXXX. XXXX having no more account, AUTOMATICALLY FIXED IT ( unlike this trash heap of a bank ), and sent it back to Barclay. Barclay RECHARGED ME the balance transfer, and after talking with 6 different people over the course of 5 hours - one of which yelled at me repeatedly, THEY REFUSED to nullify the SECOND balance transfer of over {$300.00}, because they blamed me for the error. I filed a CFPB complaint, and they FINALLY cancelled the 2nd transfer fee. NOW HERE WE ARE AGAIN! 2 weeks later, and they are charging me an interest fee of nearly {$300.00} meaning they NULLIFIED the 0 % agreement we had BECAUSE OF THEM FAILING to stop that file AFTER 3 months. I think its fair to say they people, out of pure 100 % neglect, are stealing from me. I demand them to cancel all interest fees, double check every transaction on account and make sure there is NO MORE than one balance transfer fee. DOUBLE CHECK all credit reporting for any false reporting of any false debt. And lastly, APPLY AN EMERGENCY {$400.00} CREDIT to the account, as they have failed on several occasions now to uphold the contract of this card, and literally attempted to steal nearly {$1000.00} from me due to negligence. This credit will be applied to getting a new 0 % APR card far away from the incompetencies of Barclay. THIS EVIL SHOULD BE PUBLISHED EVERYWHERE
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

2019-09-17

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-09-17

VA

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: On XXXX XXXX I call my Creditcard company reporting a transaction that was done on my credit card that I did not make myself.when I called I spoke with a lady and reported to her that there was a purchase made on my card of {$450.00} and that it wasnt me who did the purchase. I told the lady that I havent used my credit card for a while and that all I been doing is paying off my credit card I noticed it because went I make payment I like to go on my mobile app to see if the payment went through and thats how I noticed the amount of {$450.00} on my card.And also I told her how can anyone used my card if I have it locked? On my mobile app it said card lock. She told me to wait and put me on hold went she came back she said yes your card is lock I see it lock but dont worry I will send you a new credit card with a different number and this other one Ill have it cancel. I ask her whats going to happen to that charge of {$450.00} that I didnt make she said dont worry we will have it removed and itll take about 4 to 5 business days if you still see it on your statement please call me back and we will see what we can do for you. We will have someone investigate the fraud. On XXXX XXXX I received a call while I was at work but missed the call the card company left me a message asking me to call them back. I called them back on that same day and told the lady that someone call me regarding my credit card fraud and they wanted to speak with me she transferred me to the right department and the lady started asking me questions about what happened and I told her the same thing. She put me on hold for a long time had me for almost 45 minutes on the phone just to tell me at the end that I will be responsible for the {$450.00} purchase because basically I wasnt specific saying with my own words that my card was stolen or lost! I said what? Supposedly Went someone call and the answering machine said press this number if your card has been stolen or lost doesnt that tell you Im calling because it has been lost or stolen. Or went the owner of the credit card noticed a purchase done on her card and call and said I did Not! Make that purchase doesnt it tells you my card was used without my consent.She then said well your card has a chip so it can not be used I said what do you mean it can not be used if a robber steal a credit card having a chip on the card is not going to stop the rubber by stealing a Creditcard and it can be used thats ridiculous I told her and by the way I said my card was locked because thats what it said on my mobile app and thats what the other lady said on the other phone call I made the first time. She said no no I heard the conversation and she said that it was located now because she saw it lock. I was in shock I told her that I didnt have with me my purse that day XXXX call the first time so I couldnt really said if my card was stolen or lost that after I made the call I went to check my purse and noticed that I didnt have the card with me. She said well you should have said it to her I said but she didnt even ask me either! She didnt ask me is your card stolen or lost? Because I basically told her I didnt make this purchase of {$450.00} so I figured or she figured that my card was stolen or lost. And also I told her look at my transaction I havent made one transaction for a long time all I been doing is paying off my credit card each month I been paying {$300.00} so why would I spend {$450.00} in one day thats ridiculous.At the end of the conversation she said well sorry cant do anything for you I went off and told her this is stupid you should have in big letters went you call to report your card stolen or lost please said it in your own words and out loud My Card Is Stolen Or Lost! Because if you dont said that your claim will be denied. It doesnt matter if you press where the answering machine said press this number if your card was stolen or lost. And it doesnt matter if you said I havent made this purchase and I didnt consent that transaction. I basically will have to go on all social media and tell everyone what kind of credit card company this is and to be sure they said those words out their mouth. And I will for sure go to XXXX on your XXXX to see if I can go on television and have them put it on Tv. I will make this situation come out on social media or on Tv if my problem is not solved. I am determined to take this far one because its not fair and two because I dont want anyone else to go through what Im going.
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

2019-09-17

Cane Creek, AR

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

2019-09-17

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

Timely Response

2019-09-17

Vero Beach, FL

Communication tactics

Debt collection: I do not know

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

Timely Response

2019-09-17

Amarillo, TX

Getting a credit card

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

Problem getting a working replacement card
Complaint: XX/XX/19 I received an email from my banking institution that informed me that Barclay Card US had changed my credit card number and they had updated that information on the bank site where I pay my bills. I was notified in the same email that there was no need for further action. Further stating if I had questions to contact the credit card company directly. I immediately made that call to Barclay only to be met with " a why worry attitude '' by every representative ( I spoke to 3 ), regarding this change. I further expressed my concerns that they could go in and change a card number without notice, that I had not initiated due to a lost or stolen or fraudulent event. Expressing that this was " NOT NORMAL '' procedure, they caused me a great deal of momentary grief and concern as I attempted to find the answer to " why ''. Their only response was " it was a security measure that they commonly practice to insure my card was secure. '' I stated I'd been doing business with them for at least 10 years and never had this happened. I have had ample credit cards throughout my life and NONE had ever taken such a measure to secure my card unless " I initiated '' the change due to a lost/stolen or possible fraudulent transaction. All I kept getting from them was apologies for the inconvenience and nary a legitimate engagement regarding my concern this happened in the first place. When I asked them to make sure that the powers that be get my escalated complaint of this poorly initiated changed and failure to communicate that it was happening I could not help but feel like they were humoring me only by saying they'd submit a report of my complaint and call. To clarify I also left an email ON THEIR WEBSITE from my login area that was secure. In that note, I stated that I received an email from them -- -THAT WAS AN ERROR and oversite on my part and incorrectly stated. I immediately saw red, became concerned and overlooked who the email was actually from which was my banking institution. I have saved a copy of it and will attach, along with the last copy of my billing statement from Barclay that has the last 4 of the old number, and a snapshot of the new barclay page reflecting the last 4 of the new number. They said the new card is in the mail as of XX/XX/19 and that the old card would still be good until XX/XX/2019. I expressed my grave concern that to me, they had INCREASED my possibility of being compromised having TWO active number cards circulating, of which I DO NOT EVEN HAVE THE ENTIRE NEW card number yet!!! Again, a very wrong way to go about " securing '' a clients card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-17

Littleton, CO

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

2019-09-16

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I had purchased an item in may couple months ago. I did not receive the item. I have been trying to fight this for months. I have email proof with the merchant which they knew i didnt. I think the package got lost. They could not even locate it. My credit card company has been so unhelpful. Barclaycard services. I dont think i should pay for something i DID NOT receive. Please help. They are scammers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-16

Bronx, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-16

Bartlett, IL

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

2019-09-16

Capitol Heights, IA

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: Received a call from Barclay Card about possible fraud activity. Researched and found 3 fraudulent charges on my account from XXXX. First issue was resolved immediately ; however, the other 2 ( which only occurred ) 2 days prior have taken 4 calls so far to attempt to resolve ( without success ). Each time I call I am told that a new case file will be open to investigate, and on each subsequent call I am told that no case was ever opened. Further, the 2 remaining fraudulent charges from XX/XX/XXXX remain on the account almost 2 months ( XX/XX/XXXX today ). When asked to talk to a supervisor none is ever available, and I am still waiting for one to call me back.
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

2019-09-15

Bellevue, NY

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-14

Los Angeles, CA

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

AL

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have several unathorized inquires that I have contacted XXXX about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I am humbly asking that you request that XXXX initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. The inquiries are XXXX Inquiry from Apr XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 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

2019-09-13

San Jose, CA

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: On XX/XX/XXXX, I got a bill statement by mail from Barclaycard Visa with XXXX Rewards Statement with the total amount of XXXX which I never created or opened this credit card account with Barclaycard Visa. In the statement, it shows there are three transactions were made as below without my knowledge. XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX On the same date I got the bill statement, I called Barclaycard at XXXX to inform them that I did not open this account, and this is a fraud. Someone has used my identity to open this account and made purchases without my knowledge. I also reported this fraud to XXXX, XXXX, and XXXX to freeze my identity. On XX/XX/XXXX, I got the letter from Barclaycard that they closed the account, and the dispute is pending. On XX/XX/XXXX, I got the letter from Barclaycard that they completed the investigation, the fraud status is removed, and the account is reported to the credit bureaus is valid. I also called to inform them that I disagreed with the letter and requested them to do further investigation. On XX/XX/XXXX, I reported this fraud to the XXXX XXXX Police. On XX/XX/XXXX, I wrote and faxed the letter to Barclays to inform them that this a fraud and requested them to investigate it further. I continue to get the bill statement from Barclays with the above amount. On XX/XX/XXXX, I wrote and faxed the second letter to Barclays to escalate this investigation since I'm a victim of the identity theft. I requested them to send me the copy of the credit card application and the ID of the person who used my identity to open the above account. On XX/XX/XXXX, I got the letter from The Law Office of XXXX and XXXX who represents Barclays Bank Delaware to collect this amount XXXX from me. I called XXXX and XXXX law office at XXXX to inform them that I'm a victim. They requested me to fill out the " Identify Theft Victim 's Complaint and Affidavit '' and return to them with police report and my identification. On XX/XX/XXXX, I faxed The Law Office of XXXX and XXXX the followings : - Identify Theft Victim 's Complaint and Affidavit - Copy of my driver license - The police report - My utility bill to show my proof of residency. On XX/XX/XXXX, I got another letter from The Law Office of XXXX and XXXX informing me that they're in the process of preparing a lawsuit against me. On XX/XX/XXXX, I wrote the letter and faxed the below to both Barclays and The Law Office of XXXX and XXXX to restate that I'm a victim of identify theft and requested them to take further investigate to remove the account from my credit line and stop collection activities against me. - Identify Theft Report - Police Report - Notice to Furnishers of Information - Proof of Identity ( copy of my driver license ) - Credit report with disputed information indicated On XX/XX/XXXX, I got the letter from Barclays that they have reviewed the disputed information that we have provided and completed their investigation, and the account being reported is accurately. Up till now, I still have not received any information that I have requested : Account application made on paper or online, photo ID and signature that are used to open the account, and investigator 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

2019-09-13

Staten Island, 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 monetary relief

Timely Response

2019-09-13

Hulmeville, 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 explanation

Timely Response

2019-09-13

Greensboro, NC

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

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

Their investigation did not fix an error on your report
Complaint: I am submitting this complaint directly to you because CFPB has direct oversight over the Credit Reporting Agencies. XXXX, XXXX, and XXXX have allowed a charged-off account scheduled for automatic removal XX/XX/XXXX to remain on my credit report past the 7-year deadline governed by FCRA 605. Barclays Bank Delaware unlawfully re-aged this charged-off account # XXXXxxxx to estimated month and year of XX/XX/XXXX. This debt is from my XXXX XXXX XXXX Credit Card Number XXXX XXXX XXXX XXXX, opened XXXX, expiration date XX/XX/XXXX. The charged-off and closed date of the account is documented on my credit report as XX/XX/XXXX. I am aware that XXXX as the original creditor does not appear once the account is charged-off and closed because the debt was sold to a collection agency. Barclays Bank Delaware is the new debt owner. I made some payments to Barclays. This payment activity does not constitute a new debt and change the original charge-off date by the original lender. It is incontestably a continuation of the original debt. Federal law requires collection agencies to carry over the original delinquency date so that any collection account is deleted at the same time of the 7-year period charged-off account. It is a violation of law for a collection agency to report and treat a charged-off and closed account as newer. Barclays added a second charge off date of XX/XX/XXXX to make the charge-off appear more recent. In XXXX, I disputed this information with XXXX via phone, stating Barclays intentional re-aging this account and referred to the original creditors charged-off date of XX/XX/XXXX listed on my credit report. XXXX contacted Barclays and Barclays verified the information. I made an additional call back to XXXX to rebut the verified information and again referred to the original charge-off date of XX/XX/XXXX. XXXX advised me that only the creditor could remove this from my report. FCRA 605 holds the Credit Reporting Agencies and the creditors responsible for complying with the law, but that law has been defiled. I do not intend to engage more of my time with the other two reporting agencies while my credit report continues to be damaged, knowing my efforts would generate the same result as with XXXX. I do not intend to engage any time with Barclays Bank Delaware because of the they have recertified outright deceptive information as of XX/XX/XXXX. Further, Barclays Bank Delaware is reporting a second charged off date of XX/XX/XXXX. This malicious, illegal reporting has caused me immeasurable injury. American consumers deserve to be protected by the FCRA 605 law, and should not have to deal with the irresponsible reporting concomitant with automatic removal of charged-off and closed accounts. Creditors should be prohibited from submitting re-aged information to the CRAs that extends the 7-year period. Per FCRA 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( c ) Running of Reporting Period ( 1 ) In general.The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-13

Flushing, 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

Timely Response

2019-09-13

Miami, 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

2019-09-12

Brookside, 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: Several months ago, I opened a dispute with Barclays for goods not received. I was issued a provisional credit. Without any explanation, I was rebilled for both items six weeks later. I called their disputes team, and they told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. It wasn't. I disputed in writing again for goods not received, this time with proof. Almost a month later, their Disputes Team sent me a letter saying there would be no credit because we were now outside the timeframe that allowed for a dispute. This is 100 % Barclay 's fault, but the entire disputes team is so disorganized that I can't seem to get anywhere. Below is a detailed timeline of my communications with Barclays. - On Tuesday, XX/XX/2019, I sent Barclay Disputes two separate disputes via fax. The letters stated clearly " This charge was in exchange for goods that were never received. " I received two letters, both dated Friday, XX/XX/2019 confirming that the disputes had been resolved and a provisional credit applied to my account. -On Friday, XX/XX/2019, I noticed that both charges had been rebilled. I awaited an explanation in the mail, but one never arrived.Shortly after, I called Barclay 's Disputes to inquire about the rebilling. The customer service representative told me the reason for the rebilling was because the dispute was misentered into their system ( they entered that I returned the goods outside the merchant 's return period ), and that an explanation for the rebilling was in the mail. He left a note on my case explaining that the goods were never received. He promised that the written documentation would arrive in the mail shortly. It never came. He also explained I would have to reopen the dispute in writing, despite the fact that the rebilling was due to Barclay 's mistake. - On Tuesday, XX/XX/2019, I mailed a two letters to Barclay 's reopening the dispute and explaining that the rebilling was due to the reason for the dispute being misentered into the system.I did not receive a response until XX/XX/XXXX, at which point Barclays told me that they were now outside the timeframe allowed by Visa and would not seek reimbursement, despite the fact that the missed deadline was due to Barclay 's not properly filing my dispute to begin with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response