BARCLAYS BANK DELAWARE

2017-07-16

KS

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: In XX/XX/XXXX , I had my Identity stolen and the person opened XXXX accounts, XXXX with XXXX XXXX XXXX and the other with Barclays. I discovered the theft in XX/XX/XXXX when the thief tried to secure a copy of my current credit card ( XXXX ). I immediately contacted XXXX XXXX XXXX and Barclay and opened investigations with each. XXXX The thief had gotten a credit card from XXXX XXXX XXXX and used it to make several purchases in their city. The thief did not use the Barclays credit card nor activated the credit card. Once they hit the credit card limit with XXXX XXXX XXXX , they called Barclays to transfer funds into the XXXX XXXX XXXX account so they could continue using the XXXX card. The thief transfer funds from Barclays twice. When I spoke to Barclays, they said they had the voice recording of the second transfer and the person did not sound like me. I complete a police report and an Identify Theft report with the FTC and submitted them to both banks. XXXX I have also completed an extended ( 7 year ) fraud alert on my social security number to block anyone from opening any future accounts. XXXX XXXX XXXX XXXX com pleted their investigation and found the account was a case of Identity theft and released me of the debt. However, Barclay declined my case and continued to harass me and my family. I submitted another letter to Barclay along with a copy of the release letter from XXXX XXXX XXXX . Barclay did not response to my letter, but s ubmitted my case/debt to XXXX XXXX XXXX XXXX ( a debt collector ). Now I am getting harassed by XXXX . I have dis cussed the issues with Bayclays multiple times over the phone, submitted multiple reports, and bank documents. Barclays continues to seek funds for an account I did not 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

2017-07-15

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
Complaint: hi my SS # was used without my consent I 've been in contact with the IRS, and other creditors that 's been more than helpful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-15

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
Complaint: I had a dispute for the {$270.00} transaction from XXXX XXXX XXXX XXXX XXXX as they charged me twice, and I filed the dispute on XX/XX/XXXX . Barclaycard forwarded my dispute to the merchant, and the merchant responded on XX/XX/XXXX . Barclaycard forwarded their response to me and said " if you disagree with the merchant 's response and would like to reassert your claim, please send an updated signed and dated letter that addresses all of the points in the merchant 's response within 10 days of receipt of this letter ''. I followed their instruction and filed a rebuttal on XX/XX/XXXX to " address all of the points in the merchants response '' one by one and I have the witness ( See attachment ). Unfortunately, Barclaycard refused to forward my rebuttal to the merchant, and also refused to further assist me or pursue credit on my behalf. Barclaycard 's argument is wrong, and i am not even sure if Barclaycrd have read my letters which address their issues already : 1. " When the merchant was contacted they gave an estimate for the service that is to be rendered ''. Partially true. The estimate was {$390.00} for the service of 4 hours on XX/XX/XXXX , but the service was unable to be completed as the movers went to the wrong address at the first place, and the driver refused to drive down the alley as " it was too dark ''. I did not dispute the charge of {$390.00}, and since it was an estimate, I could accept the final charge a little bit higher as I am reasonable. But I can not accept a separate charge of {$270.00} for the service rendered on the following day of XX/XX/XXXX for the service that had not been completed the previous day of XX/XX/XXXX due to the movers fault. 2. " Until the full service is provided would they be able to bill for the exact amount of the cost ''. Not true. On XX/XX/XXXX , the movers insisted on my paying {$290.00} ( the remainder of the charge of {$390.00} ) and signing off even though they were not going to unload, and on XX/XX/XXXX they refused to unload unless and until after I paid {$270.00} and signed off first saying " that 's the company 's policy ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-15

Oceanside, NY

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

2017-07-14

Lk Buena Vis, FL

Incorrect information on your report

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

Account status incorrect
Complaint: Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Massillon, OH

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 explanation

Timely Response

2017-07-14

AZ

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

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

Problem with personal statement of dispute
Complaint: I filed a dispute with Barclays c ard about a late payment back in XX/XX/XXXX . I called in XX/XX/XXXX and wrote a letter in XX/XX/XXXX after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Massillon, OH

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 explanation

Timely Response

2017-07-14

London, OH

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

2017-07-13

Roswell, GA

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: Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-13

Plymouth, FL

Problem when making payments

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

Problem during payment process
Complaint: A 30 day late payment was inaccurately added to my Barclays credit card account in XXXX of last year. I called Barclays multiple times and after explaining my situation and how this was inaccurately reported to my credit, the representatives said they would look into removing the 30 day late payment mark from my report. <P/>It has been a couple of months since then and the 30 day late is still reporting on the payment history of my Barclays credit card. <P/>I am very happy with my Barclays account and I intend to keep it open for a long time. I have continued using and making payments on the account. I know I did not pay my account late, I have always made my payments on time. <P/>There should be multiple records of the conversations in the notes for my credit card 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

2017-07-13

Cooper City, FL

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-12

Hillsdale, NJ

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: An account was placed under my name erroneously. Since then, BARCLAYS BANK has damaged my name, and my credit file. Has entered derogatory information into my credit file. I should not be responsible for BARCLAYS BANK mistake. Please remove the following information from credit report. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report and Police report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. <P/>BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE, XXXX XXXX RE : Account # XXXX FTC report Number 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

2017-07-12

Bluffton, SC

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: My late wife opened an account with Barclays Card for a XXXX XXXX rewards credit card. She used my name and information to open the account. She used the card and received and - supposedly - paid the statements, I never used the card or saw any statement from the account. My wife XXXX XXXX in XX/XX/XXXX. After she XXXX, I began going through financials and was receiving all of these credit card statements that I had not seen before or even knew about. I contacted Barclay to dispute the card but did not receive any response. I then hired an attorney to make a fraud dispute claim with Barclay in XX/XX/XXXX. My attorney contacted Barclay to issue the fraud claim and follow up on the claim on XX/XX/XXXX and requested a copy of the complete records and application for the account. On XX/XX/XXXX, Barclay mailed a copy of the credit application. The report provided by Barclay was a one page printout that only had basic information about me on it, including my name, DOB, income, mortgage expense, and address. There was no signature or anything else in that " application '' that could have been used as verification that I was the one opening the account. My attorney sent follow up correspondence to Barclay regarding our fraud claim on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Barclay has never responded to any of these letters, provided any response to our fraud claim, and continues to send monthly statements on this account. After my wife XXXX away, the credit card has not been used, and I never used it at any point. I did not even learn that we had this account until after she XXXX XXXX. My attorney and I did make a telephone call to Barclay or its collection agency - I do not recall which as we were transferred around multiple times during the call. However, that call did not result in any meaningful response. This account and the excessive balance on the account has destroyed my credit score and has severely impacted my life. I have merely asked Barclay to close the account as fraud and wipe it from my credit report, but I have not received any amount of response or sign that they even investigated the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-12

Charlotte, NC

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

2017-07-12

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

Timely Response

2017-07-12

Evanston, IL

Fees or interest

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

Charged too much interest
Complaint: The billing information for my promotional balance of my credit card was not provided via the account webpage that purported to contain all of my account information resulting in me being charged {$400.00} in interest that could have been avoided had I been provided with the same information provided in billing statements. I signed up for paperless billing and I am directed to the homepage of my profile each month to make my monthly payment. I do not see the " paper statement '' that is sent nor am I prompted to review said statement prior to making my payment. Instead, I visit my account home page that contains my transaction history, payment information, due date, etc. I also look for messages regarding my account in the electronic messaging system. To my surprise, having received no notice via the messaging system or my account homepage, I have been charged over {$400.00} in interest because of promotional balances that have allegedly not been paid off. I did not receive anything electronically notifying me that the expiration period was upcoming or that I risked being charged these amounts. Had I known of these issues, including the fact that there was remaining balance on the promotional amounts, I would have made sufficient payments to avoid these interest payments. It is disingenuous that the homepage purports to represent pertinent account information, but this issue is hidden in a statement that requires to be downloaded. This information should be readily available on the account homepage as is all other important account information. It should be far harder to find what my XXXX Rewards balance is than to find information that exposes me to {$400.00} plus in interest. <P/>The failure of the resolution of this matter has led my account be over the limit and the cardholder closing my account without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-12

NC

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Collected or attempted to collect exempt funds
Complaint: I was a XXXX XXXX but now im on XXXX due to my XXXX XXXX and XXXX XXXX XXXX are trying to take me to court for a credit card debt. I have had a lot of trouble out of this company before. they were trying to take me to court once before and the company that has it now are still calling me and the debt is from XXXX . I have papers now that XXXX XXXX XXXX are about to take me to court for. a letter has been send to them stating I am on 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

2017-07-11

Providence, RI

Other features, terms, or problems

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

Add-on products and services
Complaint: I made a purchase for plane tickets in XX/XX/XXXX . The trip needed to be changed due to terrorist activity, which is a covered reason under the terms and conditions of my credit card. Barclaycard referred me to XX/XX/XXXX . When speaking to XX/XX/XXXX they told me that prior to XX/XX/XXXX they did not handle claims against this card, so they referred me to XXXX : A XXXX XXXX . I submitted all necessary documents to XXXX who then denied the claim based on the reason that " Terrorist Action is not covered ''. I called them and sent them screenshots from the Barclay Card website showing them that indeed Terrorist Action is listed as a covered reason. The case was reopened, and after weeks of back and forth communication, XXXX sent me back to Barclaycard as they said i needed to put the claim through them. When speaking to XXXX again, i was told that another company needed to be involved but they couldint not get me in touch with them, I had to go back to XXXX . I have not contacted XXXX again but will be and will also be closing my account with XXXX . The runaround i am receiving is terrible business and deserves to be escalated to all levels. <P/> I have all of the necessary documentation detailing the above, including written correspondence with XXXX , screenshots from the XXXX website, all necessary receipts etc. I can provide if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-11

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: On XX/X/16 I did a transfer of XXXX from my credit card to my wife 's credit card. This transfer was never complete, because I could n't do it from my account to a different person. Have been trying with these credit cards to get my money back, but it is been so hard, they do not want to resolve the situation, and every time I call them they accuse one to another. They charged me this money ( XXXX ), but the money is nowhere to be found.
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

2017-07-11

Maclean, VA

Other features, terms, or problems

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

Other problem
Complaint: Barclays Bank of DE sent me a letter on XX/XX/XXXX, informing me that they have reduced my credit limit. There reasoning was high utilization rate on revolving credit. <P/>There decision is in beach of our contractual agreement and they have acted in " bad faith. '' First - anyone in the industry of financial services ( and I am ) knows that Barclays is in financial trouble and its regulator is bearing down on them. <P/>Second - I have a XXXX FICO and my household income is in excess of {$250000.00} a year. I certainly can service my total debt amount. <P/>Third - as a result of Barclays action my FICO has been negatively impacted. <P/>Barclays is the one in financial trouble - not me. The company should not make their problem mine. <P/>I seek a reinstatement of my credit limit of {$11000.00}, else I will seek other legal and financial remedies. <P/>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

2017-07-11

NY

Getting a credit card

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

Delay in processing application
Complaint: On XXXX XXXX at XXXX XXXX I called Barclaycard in regards of documents that they have asked for me to mail in order to take into consideration my application for a XXXX XXXX XXXX card. The representative XXXX advised me that the call was from the fraud department and that I was being recorded, which I had no problem with. Asked me for security questions which I responded. She explained that they received the documents that I mailed but that I needed to resend a bank statement and my social security card. I explained to her that I had no problem in doing so and that please note in the system that my social security card is the original one, not the blue one.That 's when she again reminded me that they were from the fraud department and that I was being recorded, she asked me how old I was which I answered, and for my mothers maiden name which I also answered. This was follow by this response from XXXX : " I 'm here to determine if you are the person that filled the application and if I do n't think you are you will be denied '' My response '' No problem, just let me know what you need me to send or need to know. I said : If this is because of my voice, I know that my voice sounds feminine, it has happened to me before but I 've never been denied anything for that reason for that reason '' Obviously that would be discriminatory. She then asked me " Which email you used for the application '' I answered I have 2 emails, personal in which I use my middle name modified, she interrupts me to say " Good 'cause I can see here your middle name '' which sounded for me a bit like a warning from her, but at the same time I was relieved that I was going to be able to clarify everything finally. I explained I also have a Business one. I said : " I used my personal one on the application and started saying it and she stopped me and started laughing. I asked what is so funny? and she responded " Well that 's not what I have here '' I said : Why were you laughing? That is disrespectful you do n't even let me finish, to which she response I do n't believe I did ( completely changed her tone ) and I said " Well, you advised me that we were being recorded please connect me to your supervisor so he listen to this conversation that we just had. '' This was at XXXX XXXX I waited 8 minutes for a Supervisor named XXXX to assist. At this point I am very discontent. XXXX introduces me to her supervisor like this " Ma 'm? here is my supervisor, to which I replied, I 'm not a ma 'm but go on, and he again states that we were being recorded and I responded : " OK, well I 'm going to be recording too '' At that second he said that by bank policy they could NOT be recorded, to which I replied " So you can record me for evidence but I ca n't record you for evidence? '' " Yes '', he answered. " I will have to disconnect this call '' " Ok '', was my response and he hang up. This company asked me for copies several documents : -ID- License -Social Security -Bank Statement -Utility bill They were all sent in color copies. <P/>It is very discriminatory and disrespectful from Barclaycard Customer Service to laugh at their clients for their tone of voice. Like I said, this happens to me all the time, but I 've never been laughed at before. I 've had to confirm my identity in many occasions, but nobody had made laughed at me, specially when I have no problem confirming my identity in any way.
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

2017-07-11

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
Complaint: On XXXX XXXX, my Barclaycard Arrival Plus credit card was stolen and I had {$970.00} fraudulent charges on my account, with a few thousand more charges declined by the bank. I initiated contact with the bank immediately after I saw the fraud alert message received on my phone, confirming through texting that I did n't perform those transactions. I was told by a customer associate that I would not be responsible for all fraudulent charges. However, after I week, I received a call from the Fraud Detection Department telling me that because those charges were cash advances so they would not reimburse me for those charges. <P/> Even though with my police report and other supporting documents proving that those transactions were fraudulent, the bank refused to offer me help and instead put those charges with fees and interests on my account, totalling {$1000.00}. I have made contact with Barclaycard Fraud Detection Department several times without further progress. One supervisor called XXXX initially promised to get back to me within the same day on XXXX XXXX. However, despite calling him leaving messages multiple times to initiate discussion and figure out the reason for rejection, the supervisor never called me back! <P/> According to the information provided by Federal Trade Commission, under Fair Credit Billing Act, my liability as a customer for unauthorized use of my credit card tops out at {$50.00}. However, Barclaycard refused to accept my evidence of fraud, and follow the federal law to take those fraud charges out of my account. Their process of dealing billing dispute is also flawed and unfriendly. Not only that I received conflicting information from their customer associates via phone, I was also not treated with respect - the supervisor never responded to my message. Furthermore, the zip code of their address for sending a claim form is actually incorrect - one staff in the post office told me that they put wrong information on their form. I have completed lost trust in Barclaycard and Barclay Bank Delaware and would like to seek help from federal customer protection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-11

Concord, CA

Getting a credit card

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

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

Timely Response

2017-07-11

Cedar Grove, LA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response