BARCLAYS BANK DELAWARE

2017-04-14

Deerfield Bch, FL

Credit line increase/decrease

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

2017-04-14

Hacienda La Monserrate, PR

Other fee

Credit card:

Complaint: I used to have an XXXX XXXX XXXX card. The account balance was {$0.00}. XXXX XXXX closed my account on XX/XX/XXXX. They sold my account to Barclays BANK DELAWARE. I screen and monitor my credit Weekly and received a notification from XXXX XXXX Website and realized that my credit score was below the usual number I had. When I looked closely, I realized that my score was affected by BARCLAYS BANK DELAWARE. They claimed I owe a balance of {$180.00} of {$8500.00}. To my surprise, I never received a card nor activated my credit card from this bank. I called them on XX/XX/XXXX and they told me to create a complaint to your company because they have no control or are able to correct this error. They verified that I never activated it. By all means, I am not paying an APR balance of a card that I am not using, and since it 's late, it 's accruing interest. Please help me with this matter and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-13

Coalinga, CA

Credit card protection / Debt protection

Credit card:

Complaint: I signed up for the XXXX card offered by Barclay due to its SCRA benefits for XXXX service members and its great incentives offered to Military members. It guaranteed $ 0 yearly fees and 0 % interest for the entirety of my XXXX military service contract. At no time in my original communications through the SCRA division of Barclay Bank, did they state that the $ 0/0 % interest would not apply for XXXX members but for members who joined after they had an already established account with Barclay Bank. In addition, it did not state that it had the right to change the terms of its contracts at any time. This was a very deceitful offer and it now feels like a " BAIT AND SWITCH '' scam and I 'm sure to many XXXX Military members who have this card as well. No warning of the disestablishment of the SCRA benefits for XXXX members was in the process of being implemented was ever given to myself via email, letter, or message in my account prior to it just being all of a sudden taken away. The company has maintained that it will allow me to retain my 0 % interest but the yearly fees of {$990.00} plus {$290.00} for each additional card will be implemented is unsatisfactory to me. At a minimum, current card holders under the original terms should be grandfathered but any new members should be fully aware that the yearly fees apply. This whole process has left a very sour taste in my mouth as I have reached out and left a message to their customer service number ( XXXX ) with no reply within 48 hours as it states. In addition, I have left a message through my credit card account with no response as well. I finally today was able to contact an Executive Specialist, with the Office of the President at Barclay Cards USA and she clearly stated that it was their right to change the terms of their contracts to align with business practices ( other credit card companies ) around them with no warning to the card members. She also stated that at this time, they are not offering any other services to satisfy the card member or to help to maintain the business of the card member. She stated that before my one year mark with the company that they " Should '' be reviewing accounts to see if any of their current offers apply and if not then at the year mark the yearly fees would be charged to my account. I asked if I could be switched to either their Black Card or Titanium card, due to their yearly fees not being near as much as the Gold Card and I do n't feel like I should wait till XXXX to see if I qualify for offers at that time. This is unsatisfactory and I felt was completely communicated wrong from the very beginning. In addition, I feel that I should be grandfathered in with my original terms or allowed to switch to another one of their cards immediately and not have to wait for my account to be reviewed one month prior to my year mark with this company. I began this process wanting to stay with Barclay services but after my conversation with the Executive Specialist, I am now leaning towards terminating any further business with Barclay Bank and refraining from any future business through them as well.
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

2017-04-13

Crabtree Valley, NC

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2017-04-13

Pensacola, FL

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

2017-04-13

Kawaihae, HI

Other

Credit card:

Complaint: Hi, I am one of the many military members who was offered Barclay 's XXXX XXXX XXXX a MasterCard credit card ) with the waived annual fee of {$990.00} because I was on XXXX XXXX. Unfortunately, I just received a letter from Barclay 's that says they are changing their policy and will now be charging the standard {$990.00} fee. My primary complaint is this appears to be a blatant " bait and switch '' tactic which will have an impact on my personal finances. If Barclay 's would have been upfront about their intention of charging their annual fee after 18 months, I would have quickly passed on their offer. Unfortunately, I accepted their offer, canceled my other cards ( thinking my Barclay 's card would now be my primary card ), and now I 'm stuck with having to cancel the Barclay 's card and find another card to use.
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

2017-04-13

Fresno, CA

Other

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

2017-04-13

Coalinga, CA

Billing disputes

Credit card:

Complaint: I 'm currently serving on XXXX in the XXXX. I applied for the Barclays Bank Luxury Gold card because at the time, Barclays had a great reputation for programs they offered to military members. They went well above and beyond the SCRA standard. They offered 0 % APR as part of the SCRA agreement. They also waived all transaction fees and well as the {$990.00} annual fee to all XXXX Military for the duration of their service. This is the explicit reason I applied for this card this past XX/XX/XXXX. In XX/XX/2016 Barclays decided to change to terms and conditions they offered to new Military members. They stated they were trying to bring them selves in line with everyone else in terms of SCRA. Every card service representative I talked to stated that if you were a previous card holder this would not affect you. Only new account holders after XX/XX/2016. After 10 month of having this card I received a notice in the mail stating that they could no longer honor the original terms and would begin accessing my account the annual fee of {$990.00}. I understand that Barclays Bank went well beyond any other creditor in regards to SCRA. However, not honoring the original terms of agreement to current card members is just bad business.
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

2017-04-12

Blawnox, PA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-04-12

Middletown, DE

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

2017-04-12

Delinquent account

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-12

Wilmington, CA

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

2017-04-12

Toledo, OH

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2017-04-12

Brooklyn, NY

Billing disputes

Credit card:

Complaint: -Disputed charge with credit card company XX/XX/2016 -Was told by customer service that they would investigate dispute, send me notification of results -Disputed charge was removed from my account -Disputed charge was added back to my account. No notification in writing, or by email, or by phone regarding investigation was ever sent to me. No communication from Barclaycard regarding dispute -Contacted customer service again. Barclaycard claimed they had notified me in writing to say the dispute was ended. They ( conveniently ) had nothing to show that they had contacted me. No record of a letter sent to me. No email. No recording of a phone call. -They did not contact me. -I therefore called customer service regarding the most recent bill, with the disputed amount added back on, with no explanation -Customer service told me to pay the amount not in dispute and that I would not be charged interest on amount still in dispute -Next bill arrives : they have charged interest and a late fee. -I contact them via social media, because there is no other way to get Barclaycard to respond other than by shaming them in public. Barclay card social media XXXX emails me with a phone number to call. -Someone from Barclaycard US calls me, due to my contacting Barclaycard XXXX . Claims they resolved the dispute in their favor, and sent me a letter about it. Again, she has no record of this letter, no record of any email or contact with me regarding the dispute. -Says she will look into it further and email me the next day -She does not contact me, the next day or ever -They are continuing to charge me interest. Needless to say, I have stopped using this card and will be closing this account and ending all further business with Barclaycard. In the meantime, they are trying to grab more money from me over this dispute which they continue to neglect to investigate, charging me interest and late fees. -I will be hiring a lawyer. The only thing these people at Barclay US respond to is forcible legal action or bad press.
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

2017-04-11

Ocklawaha, FL

Advertising and marketing

Credit card:

Complaint: In XX/XX/XXXX, I received an UNSOLICITED offer from UPROMISE BY XXXX, for a MASTERCARD. This card is issued by Barclays Bank Delaware, XXXX, Delaware, FDIC. The offer clearly stated that if I used the card for a purchase within the first 30 days, I would receive a {$100.00} CASH BACK reward. I did make a purchase, and did pay the UPROMISE MASTERCARD for that purchase. Now, many months later, and after making repeated calls, I still have not received my {$100.00} reward. In response to a complaint I made, I did receive a letter from Barclays Bank Delaware, dated XX/XX/XXXX, acknowledging that I met all of the requirements, and also stated " ... I have confirmed that Upromise has mailed a check to you in the amount of {$100.00} and you should be receiving it shortly. '' THEY LIED ; As of this date I have never received a check from them!! Barclays Bank is an FDIC bank. Can you help me?
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

2017-04-11

Ladies Island, SC

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

2017-04-11

Navasota, TX

Incorrect information on credit report

Credit reporting:

Account status
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

2017-04-11

Austin, TX

Billing disputes

Credit card:

Complaint: During the evening on XX/XX/2016 while in XXXX XXXX I was approached by a mall vendor concerning the purchase of women 's moisturizers. Though I had no intention of purchasing that evening I did agree to make an an appointment for the next day. My card was used to 'hold ' the appointment with a vendor. However, on the morning of XX/XX/2016 I decided to cancel the appointment and called the vendor to inform them of the cancelation. I was told no appointments had been scheduled yet and they confirmed that no charges would be posted to my card. Just to make sure, I also phoned my credit card company, Barclay/XXXX the same day, to advise them of a possible charge of {$320.00}, that was not authorized. At that time Barclay informed me the charge had not appeared and that a 'flag ' would be posted regarding my call. However, upon receiving my XX/XX/XXXX credit card statement the charge WAS posted to my account. I called Barclay XXXX and was advised to begin the process of dispute resolution. Since then I have written several letters to no satisfaction and am now filing my complaint with the CFPB concerning this charge and credit card company 's handling of the situation. I have requested my account be closed since finding my credit rating has been effected by approximately an XXXX point drop along with interest charges over {$230.00}. I would like resolution of this unauthorized charge and information on how to correct this " failure to pay '' posting on my XXXX /credit rankings. Before this occurred, my rating was in the XXXX. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-04-11

Muskego, WI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2017-04-11

RI

APR or interest rate

Credit card:

Complaint: In XX/XX/XXXX Barclay XXXX offered XXXX service members the luxury card for 0 % interest. I called the company prior to applying and they told me the annual fee of {$990.00} would also be waived. Soon after my card arrived, Barclay sent a letter in the mail stating I would receive the 0 % APR in my billing statement ending XXXX. The letter stated they may end the introductory APR and the penalty APR if I make a late payment ( which I 've never done ). XX/XX/XXXX I received a letter stating they were going to charge my card {$990.00} for the year and my 0 % APR ends when I 'm no longer on XXXX. Barclay customer service has been great and their concierge service is second-to-none. It 's upsetting I have a letter in writing stating I would receive these benefits until XXXX and now are changing the terms. The offer they provided caused me to stop using my other cards and only using the Barclay Gold Card. I did n't expect them to execute a " bait-and-switch '' due to their professionalism which I 've experienced over the last year.
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

2017-04-10

Fort Lee, NJ

Privacy

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

2017-04-10

Boise, ID

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

2017-04-10

Virginia Bch, VA

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

2017-04-10

Jacksonville, FL

Other

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

2017-04-10

Jupiter, FL

Billing disputes

Credit card:

Complaint: Please find attached a letters of dispute to XXXX that I also submitted to XXXX and XXXX about an account that I disputed under the Debt Verification Rule to produce the original documentation, fees or any sale or transfer of debt to Barclay 's Bank Delaware, a negative debt owed of {$2800.00}. Date opened XX/XX/XXXX. XXXX, XXXX and XXXX stated that Barclay 's Bank Delaware produced proof of documentation in which I did n't receive and refused to remove this account. Even worse, because I did dispute the account, they have now updated my negative reporting to reflect a new starting date of XX/XX/XXXX when in 2 years nothing was being reported by these XXXX reporting agencies or Barclay 's Bank Delaware.
Company Response: Closed with explanation

Disputed: No Timely Response