BARCLAYS BANK DELAWARE

2017-04-26

NH

Improper use of your report

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

Reporting company used your report improperly
Complaint: This morning, X/XX/17 i received a call from someone alleging to be with Barclay Bank wanting to discuss my credit cards and credit report over the phone. I refused and called back to see if this was legit. I was transferred to a credit counselor who inforamed that Barclay had cut my credit line by 50 % for no apparent reason. I have XXXX accounts in excellent standing and have never gone over the limit, been late missed payments or anything. My accounts have been perfectly maintained and by Barclay doing this it hurts my credit by making it appear i am using more of my credit than i actually am. I calle d 3 s eparate times asking for corporate headquarter contact information and the reps, on a recorded line, each time refused to provide me with that information. When i called up to cancel all XXXX accounts i was put on indefinite hold. Keep in mind these accounts have all been in excellent standing and they have acted to hurt my credit without cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-26

NH

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: I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on XXXX XXXX , XXXX . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license. Proof of my claim of identity theft : A copy of the police report about my identity theft. A completed and signed FTC Identity Theft Report. I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim. As of XXXX XXXX , XXXX , I have had no response fr om Barclays regard ing the request for records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-26

Parker, CO

Other features, terms, or problems

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

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

Timely Response

2017-04-26

NJ

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: I rented my basement to a gentleman and without my permission or knowledge he intercepted my mail, got my personal information and fraudulently used my name to open an account. I called them and they refused to listen to me, instead demanded a form of payment. I am a sing le mother XXXX XXXX due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother XXXX XXXX due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs t o be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-26

Midwest City, OK

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

2017-04-26

Newnan, 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

Problem with personal statement of dispute
Complaint: This account is reporting beyond the 7 year FCRA rules from the first day of delinquency. The first day of delinquency dates back in XXXX of XXXX . This account is obsolete and should no longer be reporting on my credit file. I have requested this item to be removed. This account was opened 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

2017-04-25

FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Good Afternoon , Re : Barclaycard XXXX XXXX XXXX XXXX , DE, XXXX Act # ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL, XXXX The account information reporting on all credit reports, is incorrect. My name is XXXX XXXX , and my sons name is XXXX XXXX XXXX . Barclaycard has been reporting this account incorrectly. I 'm XXXX XXXX not XXXX XXXX XXXX . I have requested they delete this account from my credit report, and for the past year, I 've had no success. They keep replying with letters, advising information is correct. I kindly ask you to please help me remove this erroneous information off my credit reports, since this has now begun to affect me. I thank you in advance, for all your help resolving this matter. Kind Regards, 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

2017-04-25

Burlingame, CA

Closing your account

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

Company closed your account
Complaint: Barclay closed my Barclay Arrival Plus credit card that I 've had for years without warning and gave me a vague reason " account usage history '' and refuse to give me any specific details. I use the credit card for all my daily expenses and bills. The closure of the account caused issues with missed payments and inability to pay for something when I expected the credit card to work. I paid an annual fee of {$89.00} to use this credit card but they shut down my account and did not refund me the annual fee. In addition, I have about {$15.00} worth of travel credit I earned that I ca n't redeem anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

Juniper Hills, CA

Problem when making payments

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

Problem during payment process
Complaint: I called Barclays card customer service to change my payment automatic payment method on XXXX XXXX XXXX . The reason I was changing my payment method was due to the fact my checking account was closed and changed to a different banking institution. I was denied the ability to provide my payment information due to the fact of the tone of my voice. I feel appalled because I have a deeper voice then what the customer representative felt a XXXX XXXX XXXX female should sound like. I find this offensive and disrespectful. I even asked for th e manager who I spoke to XXXX and I was still denied. I verified all security questions and even additional security questions not normally asked. -Last 4 social -Telephone number -Birth date -My husbands name I even offered my full social or mailing and property address. This is very disrespectful especially when all I wanted to do was make sure the payment was paid on time. I am already having a hard time trying to make my payments and for them to make it more difficult for me is insane. Being discriminated because I sound like a male? is that what this world has come to? what if I looked like a male in person or a female? Discrimination is a crime and I want this taken care of. I was then asked to send in a copy of my ID and or utility bill to verify it was me. The funny thing is it was going to take 2 w eeks for them to verify me? In my mind i was thinking how about my XXXX profile. Again Absurd I know however I am furious. I want nothing to do with your company no longer. Especially since you are making it so difficult to make payments. Charge off my balance!!! need I say more to discriminate someone by the sound of their voice is inhumane.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

Grangeville, LA

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: I went on a cruise wi th Carnival Cruise Lines fir st week of XXXX 2016 . I used my personal master card tied into my room number and no other cards were permissible for use. In XXXX , I received a letter from a collection agency stating I owe Carnival world Mastercard {$600.00}. I called Carnival Cruise Lines and dispu ted my claim to not owning a Carnival Mastercard. They stated that there was a mix up and would look into the problem. In XXXX I received another letter from XXXX XXXX XXXX - Creditor : Barclays Bank Deleware stating I owe XXXX with several pages o f Carnival World Mastercard State ment. It had my name with another address which was not found as a working address. I first called XXXX collections agency and spoke to XXXX XXXX . He said there w as nothing he could do with the charged that I would have to contact Carnival World Mastercard. I called the Carnival Maste rCard company and spoke to XXXX XXXX about the issue. I explained that I had previously called and was told it would be handled. She told me she could not do anything to contact the collections agency. I proceeded to tell her that I was directed to call her company. I gave her all of my personal information to check for any open accou nts. Explaining to her that the mailing address was incorrect on the Carnival World Mastercard bill I received only the second time I was contacted by XXXX XXXX agency. The bill not only has my name without my correct address, it is not clear on what the charges are for. It states Fun points ending balance and h as 10 pages of the statement that does not give any clear information. This is a bogus statement put in my name in order to attempt to r eceive funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

Ernul, NC

Fees or interest

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

Problem with fees
Complaint: I am currently an XXXX XXXX service member. I opened a XXXX XXXX XXXX XXXX account with Barclaycard on XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act ( SCRA ) si nce I was opening the account after I started XXXX XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on XXXX XXXX . I then receive a letter from XXXX XXXX dated XXXX XXXX , XXXX stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed, XXXX XXXX , XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

CA

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 XXXX , my friend and I were passengers on XXXX flight # XXXX . This flight was from XXXX XXXX to XXXX and was booked through XXXX . We purchased XXXX seats and once on the airplane, we inquired as to availability and the cost of upgrading to Business se ats. The flight attendant told us there was available seating and the cost would be XXXX . We verified the price again, and the broken English speaking flight attendant assured us the cost was XXXX Dollars. We gave our credit cards and moved into the upgraded seats. Several hours later, after meal service, the lights were dimmed for resting passengers. At this time the flight attendant presented the credit card slip for me to sign. The receipt was for {$300.00}, which appeared to be for both myself and my friend who was sleeping. I asked about my friends credit card and the attendant, who spoke terrible XXXX , indicated she would return with it later. While I was away from my seat, my friend awoke and was presented with her credit card and slip for signature. She also thought the {$300.00} was for both of us. When I returned to the seat, we discussed that we had both been charged for XXXX upgrades and asked the flight attendant for an explanation. A different flight attendant came to us and explained that there was a miscommunication and the charge was not {$150.00}, but {$1500.00}! We were very upset as the original attendant stated the charge was XXXX XXXX , never did she say anything remotely resembling XXXX XXXX or XXXX XXXX , XXXX XXXX . After much back and forth discussion with the flight attendants, we were assured it was their error and we would not be charged. Several weeks later, both my credit card bill my friends arrived, each with a charge of {$1400.00} for the upgrade. This flight was booked on a domestic airline, leaving from a US l ocation. All flight attendants should have full command of the English language and be capable of properly explaining to passengers all policies, procedures and pricing. Additionally, all charges shou ld be in US Dollars unless clearly explained. To expect otherwise would be unethical and unsafe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

LA

Fees or interest

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

Problem with fees
Complaint: The late fees have increased finnomally, and it unable to make payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

Bordersville, TX

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: I am a scam and Identity theft victim. In XXXX XXXX two people scammed me, took my credit cards, drivers license and open additional accounts in my name. I filed reports with the following : Police, FTC, CFPB, The Attorney General and the XXXX county DA office. There are quite a few people who were scammed by XXXX XXXX AKA XXXX XXXX XXXX and XXXX XXXX AKA XXXX XXXX . There are six people that I know who have filed police reports on these two and we are all working together toward getting justice. Now, I have disputed the charges on th e Barclaycard. THESE CHARGES ARE FRAUDULENT. XXXX XXXX AKA XXXX XXXX XXXX and XXXX XXXX AKA XXXX XXXX applied for several account and auto loans without my permission. Barclay is one of those account that they opened up without my permission. Despite numerous attempts to resolve this matter I am still being harassed to pay these fraudulent charges since XXXX XXXX ( 10 months ) I will repeat myself. THESE ARE FRAUDULENT CHARGES. I suggest you take a look at their XXXX and see what they have been doing. Plus I am providing some picture from the XXXX . Note the pictures are dated prior to scamming me, so they have been doing this a long time. The credit bureaus have removed the accounts. Now I request that Barclay remove all fraudulent charges. I am providing some additional information. Check out the XXXX page. Scroll down all the way down. https : XXXX They boast about money and only criminals do this. I have provided some pictures of the scammer and they bragging. I just want it all to go away now. PS : I can provide witnesses and their police report upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-25

San Diego, CA

Fees or interest

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

Problem with fees
Complaint: Th e MasterCard Gold Card, issued by Barclays, provided SCRA benefits for military service members when I applied for the card just over a year ago. As a XXXX member, I received these benefits. One of the benefits offered by Barclays was waiving the {$1000.00} annual fee. This fee was waived for the first year. When I spoke to a customer representative on the phone, I was assured that these benefits, including the waived fee, would last for the entirety of my XXXX XXXX XXXX service. A few weeks ago, I received a letter stating tha t Barclays is rescindin g their assurance to waive the annual fee and that I will be charged this fee by XXXX XXXX . I called Barclays and was told that I could either cancel the card or receive the fee. I plan on canceling the card in order to not be charged the fee, but would like to extend a chance to Barclays to review this practice of making an initial offer to service members and then removing that offer just a year later. This has affected myself as well as ma ny men and women that I am proud to serve 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

2017-04-25

HI

Closing your account

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

Company closed your account
Complaint: Had my card declined, calle d Barclays and was told my account was closed and needed to wait for the letter that was sent out with explanation. Well the letter came a few days later stating the reason as negative public record identified. Called Barclays again and was told that was all they could not elaborate and that it was company policy! I told them that I ca n't find any negative public record, so where and how did they. That told me to write the office of the president! Would n't give me an email address, found email address on company site!, told me to write a letter, gave me address! So sneaky!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

Syringa, 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: Our credit card was taken while we were on vacation in XXXX and ran for a fraudulent amount. The receipt that was turned in to XXXX was an obvious forgery. We have provided XXXX with documentation showing that it is not our signature. Immediately after noticing the amount on our statement on the evening it was stolen we cancelled our card for fraud. XXXX refuses to help us locate the merchant, a bill of sale, an address, or even a phone number for the person who stole from us, they will not tell us what was allegedly purchased at a gas station for exactly XXXX pesos. The receipt provided to them by the thief has " duplicado '' ( duplicate ) written on it which shows it is not an original receipt and is indeed a reprint that they forged during the dispute process. We were charged XXXX pesos ( {$640.00} ) a nd we 100 % did not authorize this sale, nor do we know what we supposedly purchased. We believe this occurred at a gas station in XXXX where the attendant took our card, ran it for the fraudulent amount, and then told us the machine was broken. He then forged my name when XXXX called asking for the receipt. XXXX has stopped returning our calls and answering our letters, they refuse to open the case again even after sending multiple certified letters and notarized faxes. We feel like we have been robbed twice, once by the attendant in XXXX and once again by XXXX . Please help. References ( a common scam in XXXX ) : http : XXXX https : XXXX
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

2017-04-24

Hamburg, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Barclay Bank Delaware filed a lawsuit against me in the Civil Court of Ne w Jersey ( without any notice to me ) that I owe them a debt in the amount of {$2600.00}. Furthermore, after reviewing additional documents from the court it shows Barclay Bank Delaware requested {$2900.00} to be levy ; which does not make any sense. I was unware of this debt and have had no knowledge of this debt until my bank account was levy on XXXX XXXX XXXX ; I have contacted the law firm Barclay ban k hired to VALIDATIE t he debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA however they refused to valid ate because they received judgment from court because I was not present to dispute the debt. Furthermore, after reviewing all the court records and no records from plain tiff ( Barclay ) attorney it shows that no one has any proof that I was ever properly served to appear in court to dispute the debt. On XXXX XXXX XXXX , I filed a motion with the Civil Court Ne w Jersey to vacate the judgement. The motion was granted and all party was notified to appear in court on XXXX XXXX XXXX ; however, no party from Barclay attended the hearing to validate their claim, therefore judge released most of the fund from levy to the defenda nt ( I/Me ) and advised I settle the claim with Barclay and or file new motion/complaint to verify the debt. Thus, It is imperative that Barclay Bank Delaware contact me thus we can resolve this matter. I will not hesitate bringing in separate civil complaint legal action against Barclay Bank Delaware for Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

Lithia, FL

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
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

2017-04-24

Macclenny, FL

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Complaint: I was injured at work. On XX/XX/XXXX i received a letter from New York state saying they made a determination as of XX/XX/XXXX they felt i was still unable to return to work. My credit card was due on XX/XX/XXXX , in an effort to be proactive before i was late on my payment I called barclays bank on XX/XX/XXXX at approx. XXXX XXXX ( i have all calls recorded to and from the bank if you require copies ) and told them my situation that i waas unemployed, currently recieving public assistance and awaiting a disability hearing from social security and would be unable to make my payment. I was told that they would be able to help me but i had to call back after my account was late becuase nothing could be done if my account was current. So i called back on XX/XX/XXXX at approx XXXX XXXX ( recorded ), the day after my payment was due, this time i was told yes they could help me but not until my account was at least 30 days late and that i should call back at that time. On XX/XX/XXXX i was looking over my accounts and noticed that my barclays card was now listed as being late and a late fee was applied. So i called back that day at approx. XXXX XXXX ( recorded ), and after going over everything on the phone with them again only to be told " sorry theres nothing we can do to help you, good luck with your disability case '' so i contacted to office of the president at barclays bank on XX/XX/XXXX a woman called back from that office on XX/XX/XXXX and told me they absolutely could help me and put m on the phone with another rep. I again went through everything with them again only to be told sorry theres nothing that can be done. I was illegally deceived under false pretenses into allowing my accounts to become late and these people refuse to do anything about.I am XXXX and unable to work, my life savings has been drained my 401k has been drained i have lost my home my cars and everything i worked for due to my injuries and the entire time still managed to keep my credit cards current until now, as i explained theres nothing left, these people used deceitful tactics to get me to allow my cards to go late with them, knowing hey would do nothing to try to help me, and now almost every day i get emails from them stating " your account is past due call us we have many options to help you get back on track '' Something needs to be done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

Saint Louis, MO

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 monetary relief

Timely Response

2017-04-21

Soquel, CA

Rewards

Credit card:

Complaint: Barclays c onverted an existing credit card of mine to a different type. When doing so, they informed me that any rewards accumulated up to that point would be lost ( I had none ), and that going forward I would earn XXXX point per dollar of purchases, in addition to a XXXX point bonus after spending {$1000.00}. I made a {$1000.00} purchase a few days later, but was awarded no regular points and no bonus points ( I am owed XXXX + XXXX = XXXX points = {$110.00} in cash ba ck ). I contacted them and have received varying responses, including promises to credit the points and statements that no points will be given me ( their representatives seem confused ). After multiple emails back and forth, 32 days ago they opened an internal case, which they assured me would be completed within 30 days. They have offered no resolution to this case, so I am contacting the CFPB for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-21

Kawaihae, HI

Advertising and marketing

Credit card:

Complaint: BAIT AND SWITCH. Barclays lured military members into signing up for a credit card by waiving the annual fee while on XXXX XXXX . Then once established as a customer they imposed an annual fee of {$1000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-21

Forest Heights, MD

Other fee

Credit card:

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

Disputed: No Timely Response

2017-04-21

Cleveland, OH

Billing disputes

Credit card:

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

Disputed: No Timely Response