BARCLAYS BANK DELAWARE
Consumer Complaints
There are over 7700 complaints on file for BARCLAYS BANK DELAWARE. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 144
2017-05-02
NE
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 signed up for the Barclay 's m astercard gold card and was told that I would receive a 0 % interest rate and that the annual fee would be waived for the duration of my military service. I recently received a notice stating that I would now be charged the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Denver, CO
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Halyoke, MA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: On XX/XX/XXXX , I received interest deferred promotion for 18 months from Barclaycard XXXX XXXX for purchasing an XXXX laptop for {$1300.00}. The practice of the company is to apply any payment over the minimum amount to the highest charged interest balances unti l 2 b illing cycles before the expiration of the deferred promotion, effectively preventing the consumer from paying a reasonable portion each month to pay down the balance. I received a letter from Barclays reminding me that my deferred interest was expiring and the balance that would be subject to interest was {$1300.00}, although my remaining deferred balance was {$1300.00}. After I received that letter, I made two payments equally {$820.00}, one dated XX/XX/XXXX for {$550.00} and one dated XX/XX/XXXX for {$270.00}. My plan was to pay {$270.00} on XX/XX/XXXX and the remaining balance ( approximately {$270.00} ) b efore XX/XX/XXXX . On XX/XX/XXXX I reviewed my most recent statement online and discovered that neither payment had been applied to the expiring deferred balance. I immediately called and spoke first with an agent and then to her manager, XXXX . The agent told me I should have made the payments 2 days later and they would have counted towards my balance, however, now that the payments were made there was no way for them to put them towards by deferred balance. XXXX was apologetic but adamant that because the payments had posted there was no way to apply them to my deferred balance. In no correspondence did Barclaycard state that payments needed to be made after XX/XX/XXXX , the letter simply said that payments needed to be made in order to avoid the application of finance charges dating back to the original purchase date. After much back and forth, she said she could try to push off the huge interest charge for a mo nth ( {$380.00} ) but that I still needed to pay {$1300.00} " as quickly as possible '' which I guess meant before the next billing statement XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Santa Ysabel, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Hello, On XXXX XXXX XXXX I received a letter via XXXX from XXXX in reference to my XXXX Gold Card membership. The letter stated that an annual fee of {$990.00} would be assessed starting XXXX XXXX XXXX The reason why this is problematic and why I 'm filing a complaint are as follows : -I was approved for having the {$990.00} annual fee waived as well as 0 % APR on XXXX XXXX XXXX -At that point, I had conducted balance transfers from other financial institutions in an effort to consolidate my debt ( posted 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
2017-05-01
Santa Ysabel, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: In XXXX of XXXX , I received an invitation for me to apply for the BarClay Luxury Gold card from Mastercard w hich offered me as an XXXX XXXX service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my XXXX XXXX service. Due to my high tempo life style in the XXXX XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in XXXX and received my card soon after. After I received the card I made a phone call in about late XXXX , early XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act ( SCRA ) was followed, they required me to send a copy of my XXXX , my orders and a few other things to prove I was in fact an XXXX XXXX service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''. In XXXX of XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card. I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Saratoga Spgs, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-01
Barr, SC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-30
Marysville, 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
2017-04-30
Clayton, MO
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: XXXX These are not my accounts and I would like to remove them all thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX 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
2017-04-29
VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I am an XXXX XXXX military member that signed up with the XXXX XXXX XXXX on XX/XX/XXXX because they offered me 0 % Interest and {$0.00} Annual Fee for life of the ac count as long as I am on XXXX XXXX status. During the application process they required me to verify my XXXX XXXX date which was XX/XX/XXXX by having me send in my XXXX .
XX/XX/XXXX BARCLAYCARD sent me a letter contradicting what I original I signed up for and is now going to force me to pay {$990.00} starti ng on XX/XX/XXXX or I Cancel the account both options do not work. -They state in the letter after review of XXXX records I was already on XXXX XXXX prior to application of the account and they wont extend the benefits anymore. This is outrageous since the military department ( XXXX ) verified my XXXX XXXX date wa s in XX/XX/XXXX . I t was the sole driver of my eligibility. They also state in the letter they just extended certain benefits to my account at account opening based on their policy. This was not mentioned nor the case. I was told I will have 0 % and {$0.00} Annual fee for life of the account as long as I am on XXXX XXXX and to contact them when my XXXX XXXX status stops so they can discuss options. I can not afford a {$990.00} annual fee and canceling my credit card will greatly affect my life since I rely on it heavily. Canceling the account will also crea te credit score repercussions. This is either a classic Bait and Switch Tactic or Barclaycard is leaving me to deal with their mistake on the benefits th ey offered me up. I signed up only because of what they offered XXXX XXXX members for the life of the XXXX XXXX status. This was not a promotional offer that I expected to change after a year. I have called numerous times wasting hours on the phone trying to resolve this. They have not offered anything to resolve the situation and are strong arming me into Canceling the account or Paying this new {$990.00} fee both options do not work. I am a loyal customer and would like to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-28
Panther Creek, TX
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
2017-04-28
Fort Lauderdale, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-28
Pigeon Forge, TN
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
2017-04-28
Arsenal, PA
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 applied fo r Barclaycard Ring Mastercard o n XXXX / XXXX / XXXX via the XXXX web site ( XXXX ), which at the time has advertised the 0 % interest-free offer for 15 months for balance transfers made within 45 days of account opening. However, a month later ( XXXX / XXXX / XXXX ) when I was making my payment to the credit card, I noticed that I was being charged 8.75 % APR of interest. I spoke to a customer service representative ( at XXXX ) at the time, provided the website info where I saw the 0 % interest-free offer, and was told that it will be reviewed by a different department and that I should expect to hear a response within 30 days. I called the customer service representativ es two more times within the 30-day period and was told each time that I should wait as 30 days have not elapsed. Most recently, I spoke to another customer service representative on XXXX / XXXX / XXXX and was told that I needed to send over the copy of the website advertisement to XXXX for review. I faxed over an image of a copy of the advertisement to the customer service ( on XXXX / XXXX / XXXX ) of the advertisement I saw at the time of application ( taken with a cell phone camera ). I called the customer service on XXXX / XXXX / XXXX and had the matter escalated to the manager. The manager ch anged his story to say that there was not an active 0 % interest-free offer at the time of my application but that promotion is available only now to new credit card applicants. He refused to offer the 0 % interest rate for 15 months that was advertised. So far, I have been charged an interest since opening the account, in the amount of {$120.0 0}. The manager refused my r efund request and said those were valid charges. I mentioned to him that I will file a complaint with the BBB an d Customer Protection Bureau and hi s response was " go right ahead. '' I recently researched other customer review and found that the exactly the same thing happened to other customer as well. Please refer to the comment at the following website ( https : XXXX by user XXXX ) : " I had wanted this card primarily for two reasons : The 15 month 0 % APR balance transfer offer and the no balance transfer fee. I went onto Barclay 's web site, double check to ensure the offer is still there, then applied and was approved immediately. When the card arrived, I went to apply the balance transfer only to discover it did n't exist. I contacted customer service who insisted that I misread the offer until I pointed out that the offer is still visible on their website. They tell me they will create a support case for me. Anyone can probably guess what happens next. I contacted them back after one week asking for an update and they tell me they 're still researching, but they 'll make a note I called. I asked how long will researching take and they state 7-10 days. So I contacted them back after two weeks asking for an updated and, liter ally, the same line is repeated. When I pressed asking why the length and utter lack of any updates, the representative can only respond that they 're researching. I ask to close the case figuring it 's not worth pursuing anymore ... and I 'm actually told they need to put in a request and have the department contact me back just to close the case. So whether I 'm opening a support case or wanting to end it, it seems I need to wait an indeterminable amount of time fo r Barclay 's department to contact me to do either one. What awful customer service. Honestly, nothing else about the card is particular notable. It has benefits that are more or less the same as every other credit card, it has its gimmicks that are mostly useless, and it has the same bonus offers ( well, when it honors the m anyway ). Had I known this issue would pop up, I would not have bothered to sign up for the card so I 'm rather annoyed at taking the credit hit for something which I now have little use for. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-28
Southern Pines, NC
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-28
Newkirk, OK
Managing an account
Checking or savings account: Other banking product or service
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-04-27
Birch Run, MI
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: On XXXX XXXX we sent a payment of {$500.00 } to XXXX Barclay card. T hey cashed that check on XXXX XXXX and we have the XXXX transaction in writing to prove that. I have called XXXX 7+ times and spent over 7 ho urs on the phone with XXXX and they still continue to ask for the SAME info and the same questions EVERY SINGLE TIME I CALL. They are saying it is n't there issue but we have the copy of the XXXX records showing that this was cashed by XXXX on XXXX XXXX . I 've had several managers PROMISE that they will take care of it and the issue still is n't resolved. I am beyond frustrated as the interest is accruing and I still have no resolution. The customer service here is beyond AWFUL and I have wasted DAYS trying to resolve this. We have faxed copies, our bank has faxed copies and XXXX never has received anything but a " blank copy ''. I have sent a letter to XXXX stating I am disputing the full balance as they have taken our money and misplaced it!! Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-04-27
Omaha, NE
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
2017-04-27
Las Vegas, NV
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 opened an account in XXXX of XXXX as an XXXX XXXX member, under the terms that my account would be 0 % interest and the {$990.00} annual fee would be waived while still on XXXX XXXX . I received a letter stating that the company is no longer honoring their promise to waive the annual fee. I contacted the customer service and SCRA team to discuss the issue and ask if I could be grandfathered in. I was told that was not an option and the change was a business decision by the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-04-27
Odell, OR
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I opened a credit card with Barclay 's ba nk and was sent a credit card. They refuse to send me a bill so I can make a payment, or they are sending my bill to a different address. Because I am not getting a bill, they say I 'm late and continue to charge a {$37.00} late fee. I tried to contact them several times and I have yet to hear a word from them. They are charging me late fee 's for a bill I never get!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-04-27
San Francisco, CA
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2017-04-27
Hitterdal, MN
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
2017-04-26
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I received a copy of my credit file XXXX from XXXX . I realize my credit file has credit inquiries not authorized or initiated by me. I write a letter to XXXX the write back confirming these are factual and to contact orginal creditor. On XX/XX/XXXX I called Barclays Bank Delaware @ XXXX and explained to operator # XXXX an inquiry appears on my report I did not authorize. He stated it was done over 7 months ago they have it in their system it is a faud appplication but he can '' t do anything as it no longer in their system. So I called TransUnion fraud dept. and XXXX was no help she just basically said why you calling us. As a consumer it is unfair they can easily input inaccurate data but not remove it. Now I am in the process of rebuilding and repairing my credit little errors like these affect my score. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX Dear XXXX XXXX : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries for the creditors below have met this requirement, pursuant to the Act. My Social Securit y number is XXXX Barclays Bank Delaware XXXX XXXX XXXX XXXX Otherwise, rescind the errant notation immediately. Sincerely, 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
2017-04-26
Simi Valley, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: Barclaycard 's XXXX card line was offered to XXXX XXXX military personnel with 0 % interest and no annual fees for as long as you remained on XXXX XXXX . I have been a cardholder for over an year and have made this card my primary card during this period. Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial XXXX XXXX military benefit under thei r Servicemember 's Civil Relief Act policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well. While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed. Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.
Company Response: Closed with explanation
2017-04-26
Fort Worth, TX
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 , 2017 I received an email from my personal XXXX account that a trip ( Itinerary # XXXX ) had been booked on XXXX trip was booked from XXXX to XXXX XXXX for XXXX , 2017 through XXXX XXXX , 2017 . I immediately went into my XXXX Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in XXXX from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my XXXX old daughter XXXX XXXX and her XXXX old boyfriend XXXX XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is XXXX old and unable to travel alone. I was advised b y the Supervisor XXXX ( XXXX ) that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges. XXXX said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken. I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called XXXX on XXXX / XXXX / 2017 and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation