BARCLAYS BANK DELAWARE

2017-04-10

Jupiter, FL

Billing disputes

Credit card:

Complaint: Please find attached XXXX dispute letters to XXXX in regard to an account with Barclay 's Bank Delaware for the negative amount of {$1900.00}. In the XXXX report it states that the XXXX XXXX Amount was {$1500.00}. I had never been notified of any sale or transfer of this account with Barclay 's Bank Delaware to a debt collector. I also have no knowledge of how a XXXX amount is {$1500.00} and it states the amount now owed is {$1900.00}. This account stated on the XXXX reports say the account was opened on XX/XX/XXXX but then states last reported was XX/XX/XXXX. However, because I disputed this account it has been reactivated the reporting as XX/XX/XXXX. No reporting had happened for over 2 years on my reports.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-10

Temperanceville, VA

Other fee

Credit card:

Complaint: I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. -The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on XXXX XXXX.
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

Mem, TN

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

Mem, TN

Other

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

2017-04-10

Stevenson, MD

Closing/Cancelling account

Credit card:

Complaint: I opened a Barclaycard Rewards MasterCard approximately three years ago. As a cardholder, I always made my payments on time ( save for once or twice being a few days late because of circumstances beyond my control, namely hospitalizations ), almost always paid more than the minimum payment due, and I frequently paid my balance in full and then some. I used my card responsibly, especially considering that shortly before applying, I had received a discharge from bankruptcy proceedings and Barclay 's was one of the few issuers to extend credit to customers with recent bankruptcy filings present on their credit report. In essence, Barclay 's took a chance, and I wanted to show them they made the right decision. In late XX/XX/XXXX, I attempted to use my card, and the charge was denied. Knowing I had sufficient credit, I called Barclay 's to inquire. I was told my account was summarily closed, and I would be receiving a letter with details. I never received such a letter. However, I attempted to send a message through the online portal asking why my account was closed ( see attached ). I received a response indicating my account was closed due to " delinquency. '' However, there were no delinquencies on my credit accounts. There may have been an account reporting on my file that was delinquent, but it was an authorized user account for which I am not responsible. Barclay 's used information from an account that did not belong to me as justification for closing my account. I am sure Barclay 's will say what they did was perfectly legal, within regulatory framework, etc., etc., and of course, my personal favorite -- which is the catchall/fallback when a company can find no other reason to justify its actions -- " it was a business decision. '' Not only did Barclay 's close my account based on inaccurate information, it appears as though I have been " blacklisted '' from future accounts. While all banks maintain such a list, most deny it exists. However, there are countless missives from former industry employees and customers who explain how they have been subjected to a blacklist. A blacklist is an in house master list of customers and their Social Security numbers who are not to be approved for future credit. I have been made aware of the signs of this policy, which include applying for a product receiving a decline without ever having a credit report pulled. That has happened to me on two separate occasions since my account closure. The most recent occurrence was on/about XX/XX/XXXX. I applied for a Barclaycard Arrival account, and was denied. In addition to the above, there were two payments made on my account that never posted, yet both payments cleared my checking account. I brought this to Barclay 's attention at the time, but it went no where. One payment was made on XX/XX/XXXX in the amount of {$500.00}, and the other was for {$1900.00}, also on XX/XX/XXXX. To date, these payments were never credited to my account. Please see attached.
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

Brighton, CO

APR or interest rate

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

RI

Other fee

Credit card:

Complaint: Barclay 's Luxury Card offered a generous 0 % APR and zero fees, including waiving the {$990.00} annual fee, for XXXX military, for the duration of their XXXX. I, and many others I know, took advantage of this offer. My credit limit was steadily increased, unsolicited, and coupled with the 0 % interest, this encouraged carrying an ever-increasing balance. Now, a year later, Barclay 's is telling everyone they 've changed the policy and will now be charging the {$990.00} annual fee. For those of us who ran up balances for things like home repairs, it leaves us having to either find a way to quickly pay off large balances or pay the {$990.00} fee. This was deceptive of Barclay 's and feels like a predatory bait-and-switch scam to lure XXXX, if not XXXX, of servicemembers to be on the hook for recurring {$990.00} annual fees.
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

Las Vegas, NV

Incorrect information on credit report

Credit reporting:

Information is not mine
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

Edgemoor, DE

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

2017-04-10

Corinth, NY

Payoff process

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

2017-04-10

Lake Jackson, TX

Transaction issue

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

Bryan, TX

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Atlantic Bch, 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

2017-04-09

Carmel, CA

Customer service / Customer relations

Credit card:

Complaint: I am XXXX military and in XXXX 2016 applied for amd received the Barclay 's Gold Card which had an incredibly generous offer for XXXX military, they went above the SCRA requirments. They offered 0 % interest and waived the {$990.00} annual fee. In XXXX we received word on Facebook that Barclays was going to stop the benefits for XXXX. My friend and I both called and we were assured on the phone that since we had opened our cards before XXXX 2016 that we would be grandfathered, and keep our benefits as long as we were on XXXX. 2 weeks ago I got a letter in the mail saying that they are changing the military benefits and that my account will be assessed the {$990.00} annual fee in XXXX. This puts service members and myself in a very hard spot because with little notice I have to pay off my entire balance and cancel the card or pay a XXXX fee that I was told I was exempt from. My balance is currently around XXXX, and I do not have enough in my savings to pay it off.
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

2017-04-09

Baton Rouge, LA

Payoff process

Credit card:

Complaint: The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.
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

2017-04-09

WI

Late fee

Credit card:

Complaint: assessed a late payment fee on my card made payment on time
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

2017-04-09

NC

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: Was taken to court debt was satisfied through court. Barclays says there is a balance in the account there is not it has been payed. Barclays has all info about account being payed and satisfied but wo n't change credit info says I still have a balance on account. I have a notarized document from courthouse saying debt has been satisfied but Barclays wo n't change it.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

MD

APR or interest rate

Credit card:

Complaint: Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-09

Chula Vista, CA

Other

Credit card:

Complaint: Opened a credit card account with Barclays Gold Card account. I am in the military and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX XXXX service. Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX XXXX prior to the opening of the account. This is false as Barclays knew my XXXX XXXX start date proceeded the account origination date as evidenced by the attached letters. The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
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

2017-04-09

WI

Late fee

Credit card:

Complaint: made my wife s credit card payment on time and they still assessed a late payment fee and will not reverse it
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

2017-04-09

Chula Vista, CA

Other

Credit card:

Complaint: Opened a credit card account with Barclays Gold Card account. I am in the XXXX and the original terms of the credit card included 0 % interest and waived annual account fee for the duration of my XXXX service. These terms were confirmed to me over the phone. The original XXXX term letter outlined waived transaction fees and 0 % APR for the duration of my service. The letter did not explicitly mention a waived account fee. I did not notice this since it was explained to me by a phone representative that the fee was waived for the duration of my XXXX service. Two weeks ago, I received a notice that the annual fee was no longer waived because it was discovered that I was XXXX prior to the opening of the account. This is false as Barclays knew my XXXX start date proceeded the account origination date as evidenced by the attached letters. The annual fee is {$990.00} which amounts to an insane APR of over 25 % even if I were to carry a balance of {$10000.00} for an entire year. I feel that the initial offer was duplicitous. I would have never opened this account if it were explained that the account fee waiver was temporary. Barclays advertised it as a permanent waiver and even confirmed this over the phone ; however, their term did not confirm this fact in writing nor did it state that the annual fee waiver was temporary. I made multiple purchases with this card under the impression that I would not be subjected to interest or annual fees - Barclays violated the good faith of this deal, and I 'm my opinion, committed promissory estoppel in doing so because my credit will be affected by closing the account in order to avoid huge fees.
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

2017-04-09

Middletown, RI

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

2017-04-08

Manhattan, NY

Rewards

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

2017-04-08

San Francisco, CA

Advertising and marketing

Credit card:

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

2017-04-08

Virginia Bch, VA

Other fee

Credit card:

Complaint: I obtained a Barclaycard, MasterCard Gold Card, with the agreement under SCRA benefits that the annual {$990.00} fee would be waived while I remained on XXXX military service. Recently I received notice in the mail that Barclaycard is now revoking their promise to honor this agreement and will be applying the annual fee at the one year mark in XX/XX/2017 ( my ownership of the account ).
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