BARCLAYS BANK DELAWARE

2017-03-23

Boise, ID

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I was XXXX on XX/XX/XXXX I was XXXX until XX/XX/XXXX. During this time of my XXXX somebody used my Barclay rewards MasterCard I had {$200.00} or so that was my debt on the card but Barclay is claiming that I owe {$700.00} now. I 'm XXXX. I have no source of income except for XXXX so they ca n't come after me for any money but I 'm looking to settle with them to pay the XXXX I think it was like {$220.00} and then have it squashed and make them take it off of the credit bureau so it quits ruining my credit score. but they have n't even been able to help me with filing that there 's fraudulent charges on there I can prove I was XXXX they just keep wanting this {$700.00} that I do n't legally owe and they wo n't let me log into my account so I can print out these charges that were n't mine and show them and a lawyer or discuss them to come to a settlement. Because I was XXXX, the police are n't interested in the identity theft that happened to me but I still need to get this fraudulent debt squashed. Like I said I 'll even pay the XXXX or so dollars that I do owe. Please help me resolve this matter as it is really affecting my life in a negative way. 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: No Timely Response

2017-03-23

Nyc, NY

Late fee

Credit card:

Complaint: I have been charged late fees on my Barclay 's MasterCard ( credit card ). I collect Social Security and make all my payments on or around the XXXX of each month ; in line with when I get my Social Security check ( on or around the XXXX. ) I recently looked at my Barclay 's statement and saw that they 've been charging me a large late fee - almost every month - since almost 2105. I sent them a XXXX-page letter along with a printout of their spreadsheet about my account. From that letter and the spreadsheet, you can see that I 've always made my payments ; how they credit my account is NOT correct. They have sent me a letter asking me to call. This is not feasible ; they 're most recent letter to me makes little sense.
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

2017-03-23

Las Vegas, NV

Closing/Cancelling account

Credit card:

Complaint: So I have a litigation going on with my brother and our family company so I paid my credit card off and my brother did stop payment on company check so payments returned Barclays card never contacted me or reached out to me about the returned payment only way I found out is because I called them when my credit card did n't go threw for a purchase they told me my account was closed due to returned payment which by the way is first problem I 've had since I got card i offered to pay out of my checking account instead they said no acct closed I said y would it be closed if I 'm offering to pay returned payment plus more they said they did n't care and they were gon na do a charge off had card almost 5 years and this is how they treat customers wow over one returned payment with extenuating circumstances I thought that they were there to help especially with this type of situation
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

2017-03-23

Bronx, NY

Privacy

Credit card:

Complaint: Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. I have a matter on my account, which I ca n't address because of the hold on my account. I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.
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

2017-03-23

Frazier Park, CA

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

2017-03-22

Brandon, MS

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

2017-03-22

Allentown, PA

Billing disputes

Credit card:

Complaint: My husband and I went on a vacation to the XXXX XXXX to XXXX XXXX XXXX, XX/XX/2017. We had a vacation club plan through them and this was our third visit. While there we there we inquired about renting a golf cart since I have mobility issues and thought that a cart would help me get around. They told us they did not rent golf carts. They told us that if we upgraded our membership that we could get a golf cart every time we came back. We agreed to let them show us around and discuss the upgrade. 4 hours later we were being held hostage in their sales office with a contract in front of us for the upgrade. I clearly told them that I did not want to sign any contract today, that we needed to check our finances to see if we would be able to pay the fees associated with any additional debt. They told me and showed me a line in their booklet that said I had 4 days to cancel the contract. They said that if we were not comfortable with the upgrade to come back before the 4 days were up and we could cancel. I reluctantly signed the contract. We went back to our room and were discussing our finances, checked our bank situation and decided that we were not able to afford this right now. We decided to go back the very next day and cancel the contract. When we did this we were told that instead of {$10000.00} charge for the upgrade that we would incur a {$6600.00} charge, plus " other fees '' to cancel. We started disputing with them about being lied to and misrepresented. They, of course did not see it that way, and denied the accusations. I said that I wanted to warn other tourists to read every word of these contracts before signing with them. I was then told that if I talked to anyone other tourists in the resort about this " You and your husband will be escorted off of our property with our belongings. You will no longer be allowed to remain inside the resort. '' This was day 2 of an 8 day stay. We had no idea where we were on this island. We were warned by our travel agency friends to stay in the resort because the XXXX was unsafe, that we could be kidnapped or murdered. We had been here before so we felt that we were protected inside the gates. Now however, we felt that our safety, even our lives were at risk if we did not do what they said. At this point I started getting scared so I decided to turn my cell phone on and record as much of the conversation as I could. After an additional 2 1/2 hours of trying to work with them to cancel this charge, I was an emotional wreck. I had to go to the bathroom to throw up I was so upset. I have the recording of my husband asking several times to cancel the contract and we would deal with the fees when we returned to the USA. The representative clearly on the recording avoids my husbands questions and badgers us that we will be responsible for the same amount by the time we cancel so why not just let it go. She said that we could make money by selling weeks to other people and sending them to the resort. I was hysterically crying and my husband was a wreck by the time we just got up and walked out of there. NOW I just learned that the credit card company is RCI, a resort affiliate with and directly connected to XXXX XXXX XXXX! I have sent both XXXX and RCI Credit Services several letters and am getting no where with either of them. I just received a bill from the Credit Card Company on XX/XX/2017 that my first payment is due XX/XX/2017. They sent me no other response, no explanation of denial, just the statement. I really need your help. These XXXX businesses are in partnership to defraud people. PLEASE HELP ME! I do n't know where to turn.
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

2017-03-22

Occoquan, VA

Billing disputes

Credit card:

Complaint: On XX/XX/XXXX I purchased XXXX items from XXXX for a total of {$390.00}. The original receipt for the purchase is attached ( page XXXX ) From that receipt, I made XXXX returns - and received XXXX credits ( {$21.00}, {$74.00} and {$74.00}, all on XX/XX/XXXX ). The credits for these XXXX return transactions was correctly applied to my credit card and show on my statement. ( attached, page XXXX ) The XXXX return was made on XX/XX/XXXX, for XXXX items for a total of {$180.00} ( attached, page XXXX ). This credit is not on my credit card statements. I called XXXX from XXXX regional office ( phone # XXXX ) and she told me that this credit was processed on XX/XX/XXXX. She told me to contact my bank and reference # XXXX. On XX/XX/XXXX I filed a dispute for not received credit of {$180.00} with Barclaycard over the phone. I was given a case # XXXX. On XX/XX/XXXX I faxed my supporting documents ( attached, pages XXXX ) with the cover letter explanation ( attached, page XXXX ) to Barclaycard. On XX/XX/XXXX I received a letter from the Barclaycard ( attached, page XXXX ). In that letter they opened a dispute for {$390.00}. Same day I called Barclaycard to correct it and spoke with XXXX. I told her that the dispute was for {$180.00}, not for {$390.00} and she said the investigator for my case was out of office, but he would call me back. I did not get a call back. On XX/XX/XXXX I called Barclaycard and spoke with XXXX. She said my dispute was updated on XX/XX/XXXX and is for {$180.00}. On XX/XX/XXXX I checked my statement on line and saw that sometime in XX/XX/XXXX billing statement the Barclaycard credited my account for {$390.00} ( attached, page XXXX ) and shortly after they reversed it and billed {$390.00} back ( attached, page XXXX ). Obviously, the credit was done when they opened the dispute ( for the wrong amount ) and reversal when they closed it. Same day, I called the Barclaycard and spoke with XXXX. XXXX told me that my case was closed and the charge of {$390.00} was applied correctly. I asked her to pull my fax ( attached, pages XXXX ) and we read it out loud together, to verify that the issue was for a missing credit of {$180.00}, not {$390.00}. She then proceeded to say that the credits of {$21.00}, {$74.00} and {$74.00}, all on XX/XX/XXXX were for the {$180.00}. Those XXXX credits were for XXXX different separate returns, total {$160.00} and were separate from the missing XXXX return of {$180.00}. We spent more time arguing about this and doing simple math. XXXX went to talk to someone a few times during our conversation. Finally she said that IF I wanted to open a new case, I needed to submit the documents. I told her that I want to continue with my original case for a missing credit of {$180.00}, and she told me that my case was closed. I told her that I never opened the case for {$390.00}. I asked her how can I appeal it, and she said there is no appeal process. For about an hour we were going in circles. Finally I asked her to speak to her manager, and she told me that the manager is out and will call me back. She gave me the ref # XXXX. So far noone called me. The Barclaycard opened the case for the wrong amount ( {$390.00} is incorrect ), never even read my fax and refused to make it right on several occasions. All they had to do was to read my fax, call me if they had questions, and then call XXXX to figure out where the missing {$180.00} was. The original amount correctly charged was XXXX. From that transaction, there were XXXX returns ( # 1 - {$21.00}, # 2 - {$74.00}, # 3 - {$74.00}, all on XX/XX/XXXX AND # 4 - {$180.00} totaling ( all XXXX ) XXXX. Of that total XXXX ( the first XXXX returns ) has already been credited on XX/XX/XXXX. The credit for the XXXX return {$180.00} is missing.
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

2017-03-22

El Paso, TX

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: Yes Timely Response

2017-03-22

Sandy Hook, CT

Other

Credit card:

Complaint: I have been doing business with Barclay Bank for approximately 7 years. This past XX/XX/XXXX I called to attempt to use some of my points for a XXXX vacation. ( One of the reasons I like the card and pay an extremely high fee is because of the rewards program. ) After four of five calls, receiving numerous different reasons of why they could n't access it ... ca n't find the account, computers are down. Then I received a letter stating they were raising my credit limit. Approximately 5 days later, I received another letter saying they were canceling my card due to credit issues. I am in the process of a mortgage modification, however I have never been late with Barclay Bank, in fact, I have a {$5000.00} limit with them and the week or two prior I paid them {$3000.00}. When I called Barclay 's they told me due to my account being canceled, I could not use my rewards points that I earned. I then asked them about my $ XXXX yearly fee and the man told me " well you got to use it part of the year did n't ya. '' This unethical misleading, frankly despicable behavior is what gives banks a bad name. Because of this, we had to book our yearly vacation last minute costing me thousands of dollars extra. I am desperately trying to stay out of bankruptcy and this banks horrible inexcusable behavior is the final nail in my coffin. Please prevent this from happening to any other honest people.
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

2017-03-22

Brookside, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

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

2017-03-22

Aurora, CO

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

2017-03-22

Cheverly, MD

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.
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

2017-03-22

Belle Haven, VA

Other

Credit card:

Complaint: So Master Card Barclays Luxury card was being offered to XXXX military personnel with 0 % interest and no annual fees for as long as you were XXXX. After having the card over a year they decided to send out letters saying that they will now be instituting an annual fee starting the end of XXXX 2018. Now I know its a good deal but are they allowed to change the contract after they have already promoted and offered the initial contract. Should n't that be a grandfathered in situation due to the fact they lied about the card to get you to sign up then change the rules using a loop hole.
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

2017-03-22

Scottsdale, AZ

Billing disputes

Credit card:

Complaint: XXXX - the cellular service provider made a series of unauthorized charges. Attempts to contact and resolve failed as they did not pick-up calls and did not respond to emails ( receipt of which they acknowledged ). Few of the charges they credited back, but several remained unresolved. Barclays Bank, as instructed by them, was called and dispute and request for chargeback were made. The bank attempted to contact the merchant by phone but failed. As usual with that Bank - they DID NOT DEMAND DOCUMENTATION FROM THE MERCHANT. The bank, as I experienced previously, demanded from me that the account be closed and new credit card numbers be issued. That is not acceptable nor is it authorized way of resolving billing disputes. This bank does it for years and I experienced it many times. This bank does not follow Fair Credit Billing Act and their employees are trained to push back and force customers to declare fraudulent transaction by an unknown actor in order to force the change of the card number. That is neither true nor legal. The dispute and chargeback process has the ability to correct banks behaviour. Changing the credit card number punishes the consumer as this forces the change of card number in many other places where the consumer might have set-up recurring charges. The offense by the bank is not only in abusing FCBA, but also in machinations to delay the process. The dispute was setup on XXXX, on XXXX I received the denial letter ( without any documentation ) demanding that I authorize closure of the account - but the letter was dated XXXX, and the bank did not mail it until XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2017-03-21

Holly Springs, GA

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 explanation

Disputed: No Timely Response

2017-03-21

Austin, TX

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 monetary relief

Disputed: No Timely Response

2017-03-21

Main Office, VA

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

2017-03-21

Escondido, CA

Application processing delay

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

2017-03-21

Lahaina, HI

Billing disputes

Credit card:

Complaint: I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. Thank you.
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

2017-03-21

Alamo Heights, TX

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: Yes Timely Response

2017-03-20

Yonkers, NY

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 monetary relief

Disputed: Yes Timely Response

2017-03-20

Woodbury, PA

Convenience checks

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

2017-03-20

Detroit, MI

Incorrect information on credit report

Credit reporting:

Reinserted previously deleted info
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

2017-03-20

Lutz, FL

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