BARCLAYS BANK DELAWARE

2017-03-20

Brooklyn, NY

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

2017-03-20

Brooklyn, NY

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

2017-03-20

Lansdowne, VA

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

2017-03-20

PA

Closing/Cancelling account

Credit card:

Complaint: I was a long time credit card holder of the LL Bean Visa with Barclay Bank. I received a letter on XX/XX/2017 that was dated XX/XX/2017 that my credit card would not be reissued because the ratio of payment too outstanding balance is too low. '' I attempted to discuss the matter with them. They are the ones which figure the payment amount. I have not been late on payments. I used the card for a balance transfer of XXXX for the life of the balance transfer and only used the card for LL Bean purchases. They continually lowered my credit limit over the years. I only used the card before it expired so I did n't loose the LL Bean points towards my next certificate. I have n't had any other credit card companies drop or not renew my credit cards. Barclay is the only one. I tried to resolve this issue with them directly and there was no resolution because they did n't feel they were wrong in the determination.
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

2017-03-19

NY

Billing disputes

Credit card:

Complaint: In XXXX, 2016 I prepaid to XXXX for 1 year personal training using my XXXX credit card which was issued by XXXX. Later that month, Barclay took over the XXXX card and the total ( XXXX ) was paid to Barclay. In XX/XX/XXXX, the personal training company ceased operation - they disappeared from my location, but are still in business elsewhere. I initiated a dispute for the approximate remaining {$1300.00} with Barclay and received a form letter dated XXXX, 2016 ( here attached ) responding to the disputed charge, and stating that I should allow 60 days for them to pursue the issue with the merchant. I have contacted them over 25 times - have spoken to " supervisors '' and have been told that my case has been highly " escalated '' to the " Bank ''. They do not allow communication with any higher ups, and after 9 months, there is absolutely no resolution in sight. They tell me that the situation is complicated as the charge was made when the card was with XXXX, but I have no recourse with XXXX, as it is now Barclay. This should not be my problem - the XXXX companies should work this out. I paid Barclay as evidenced on the attached credit card bill. This treatment of a loyal customer is outrageous. I need help dealing with this disaster!
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

2017-03-19

Placentia, CA

Convenience checks

Credit card:

Complaint: Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until XX/XX/2018. I wrote XXXX checks totaling {$5900.00} to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a {$27.00} fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they have no intention of honoring.
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

2017-03-18

Chester, VA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
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

2017-03-18

IL

Billing disputes

Credit card:

Complaint: cc of complain to XXXX XXXX : Ref XXXX Acct XXXX XX/XX/XXXX rebilling of XX/XX/XXXX of {$730.00} Dear Sirs : I hereby request immediate removal of this charge. I found it on-line shortly after the original posting and repeatedly asked for documentation from XXXX XXXX, XXXX XXXX, XXXX, and XXXX and received positively no documentation or justification for the charges. The rental was prepaid and charged to my account long in advance of the trip. Additional charges were added to my account when I arrived to pick it up. No further charges were mentioned when I returned the car, despite the fact that I was within sight of their office for over an hour while cleaning the car and they inspected the car long before I left and did not mention any damage. During my repeated requests for documentation for the XX/XX/XXXX charges, I made it plain that the documents were needed if any damage was claimed, since my card includes a collision damage waiver to cover any damage. That documentation must be submitted within 90 days of the charge and XXXX has neglected to make any submission possible by their negligence and complete failure to provide documentation. I agree to no further charges and had already paid MUCH more for the rental than the advertised amount, including a number of hidden charges. The car was returned clean and in good order. I have repeatedly telephoned XXXX customer service and have twice been told that illegible documentation appears on their screen and that I would receive it within 10 working days of the rebill. I have not and according to them, it is illegible anyway. I think you will agree that this situation is completely unsatisfactory. Please immediately and permanently reverse the charge. I have made every good faith effort to resolve this situation. XXXX XXXX has not. My understanding is that federal law requires you to remove these charges.
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

2017-03-17

El Paso, TX

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

2017-03-17

Phoenix, AZ

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
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

2017-03-16

Ft Belvoir, VA

Billing disputes

Credit card:

Complaint: BARCLAYCARD WILL NOT CREDIT MY MASTERCARD FOR APPROX {$990.00}, that was charged by a vacation planner " XXXX '' in XX/XX/2016. I tried to redeem my vacation weeks in XXXX in XX/XX/2016, the company disappeared ... no phone, no email, no websites. When I called to file a complaint with BARCLAYCARD, XX/XX/2016 they immediately refunded the charges, pending their investigation. They were unable to locate the vendor then re-charged my account the original amount. They stated that because I filed a FRAUD vs DISPUTE case I was not eligible for a refund and my case window had closed! I had no knowledge of their internal classification of complaints ... .I simply told my story to several customer service reps 10+ times. Each call was a repeat of previous conversations. My most recent calls followed their instructions to fax my contract to them. 18 pages followed circa XX/XX/2016. They told me that I should continue " communications '' with the company because they perhaps, may refund or redeem my vacations in the future. Clearly they have me on the " slow roll '' placing useful idiots with poor language skills in my path. What is my next step? 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 monetary relief

Disputed: No Timely Response

2017-03-16

Groton, MA

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

2017-03-16

Raymond, NH

Delinquent account

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: Yes Timely Response

2017-03-16

Boston Clg, MA

Billing statement

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

2017-03-15

Staten Island, NY

Credit determination

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

2017-03-15

OK

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I disputed several inquiries both with the original company and the credit reporting agencies, none of the original companies responded to my letters. Two letters were sent 30 days apart and none responded. Credit Bureaus refusing to remove the listings.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-15

Cherry Brook, MA

Rewards

Credit card:

Complaint: My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.
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

2017-03-15

Anaheim, CA

Other

Credit card:

Complaint: Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on time.
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

2017-03-15

Tubac, AZ

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

2017-03-15

Kerrville, TX

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

2017-03-15

PA

Application processing delay

Credit card:

Complaint: My wife and I recently applied for a Barclaycard XXXX Credit Card. After receiving letters that Barclay required additional information/verification of information I made phone contact with Barclay. In order to proceed with the applications I need to mail them a copy of our social security cards ( front and back ), driver 's license ( front and back ), bank statements, and a recent utility bill. If this does not raise red flags then I do not know what does. We have excellent credit scores ... above XXXX into XXXX with no creditor issues. When I asked why in this day in age I would want to send this highly sensitive personal information in the mail to complete strangers I was told not to worry as the information would be shredded upon use. That was suppose to ease my fears of identify theft, I guess. This process does not appear to be appropriate when applying for a credit card. Previous contacts with card companies in the past have always provided instant approvals after they checked our finances while holding on the phone. Needless to say we are not moving forward with the applications only because of security concerns of our personal information.
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

2017-03-15

CA

Advertising and marketing

Credit card:

Complaint: I requested a new Credit Card " Barclaycard Arrival Plus World Elite Master Card '' in XX/XX/2017. One of the benefits I valued was Trip Cancellation/Interruption insurance. Upon arrival of the first card per XXXX I was able to find Document " Guide to Benefits XXXX '' ( appended ). It offered coverage of {$5000.00} per trip/ {$10000.00} per year ( page 26 ). The year 2017 was clearly marked on the document ( Last page ). When a second card arrived in the mail, it had an insert " Guide to Benefits XXXX '' which offered only {$1500.00} ( attached ). I have faxed twice to Barclay Member Services, and received absolutely no satisfactory answer. They did not even acknowledge the question or address it in any way but referred me to the telephone number on the back of the card. The telephone info I received was again that the benefit was {$1500.00}. This constitutes flagrant false and misleading advertisement and a company unwilling to respond. If I were to need the coverage for my upcoming trip I could loose {$10000.00}.
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

2017-03-14

Hollywood, FL

Credit determination

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

2017-03-14

Sunnyvale, CA

Closing/Cancelling account

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

2017-03-14

Anaheim, CA

Application processing delay

Credit card:

Complaint: I filled out a credit card application for XXXX Credit Card with Barclay Bank on XX/XX/2017. I filled application out knowing I would be accepted as my credit score is above XXXX and have never been late on a payment and own my own home with a good job. I received a letter shortly after saying they needed additional information and to call. I immediately called where I was informed that they were approving the credit card for {$16000.00} and that it would be received in 10 to 14 days. I received a phone call minutes later with the same gentleman on the phone and a third person on a three way call saying they were the security team and before they could send the card out they needed me to mail in a copy of my bank statement and a copy of drivers license and social security card. I questioned that and asked why as that has never been required and was putting me at risk for identity theft. The woman stated that I had a Barclay account several years back at a old address and they needed to prove who I was and my address. I asked if I could email or fax but she sais they could not accept it that way. When I got off the phone I checked my credit report and noticed that Barclay Bank had hit my credit report with an hard inquiry so I copied and mailed the info they asked for to the address they provided. I waited a week and received another 2 letters saying the same as the first that they needed more info I called and informed them that I had already sent the info in and was told that they send those letters out overtime you contact them and to not worry about it and give it another 2 weeks. I had originally filled this credit card application out to use this card on an upcoming XXXX trip to get reward points so after 2 weeks I called again and was told to wait another 7 to 10 days I expressed concern about the documents I sent to them because now I was worried perhaps they landed in the wrongs hands as was my previous concern. I asked at this point to talk to a supervisor and they put me on the line with XXXX employee XXXX he put me on hold and stated that he checked and that they had received my documents and would be reviewing them and not to worry. Still no card and another letter came in I called back 3 or 4 times and was told it was still pending. As my trip came closer I called on XXXX 2017and asked to speak to a supervisor and now was put on line with XXXX employee XXXX he told me he would listen to recorded conversations that I had with XXXX and try to get to bottom of it. He called back a few days later and told me he had listened to the call and he was sorry that he now knows XXXX did tell me they were received and XXXX must have info that he does not have and that he would talk to XXXX and straighten this mess up and sorry about everything and get back to me when XXXX was in on XX/XX/XXXX Well I heard nothing back so this morning XX/XX/XXXX I called and was told it was still pending so I asked to speak to XXXX again whom got on the line and said we would have to start over and security team said that I would need to resend all those documents and that they were going to hit my credit report with a second Hard Inquiry. I was appalled this company already hit my credit report once and I at this point could care less about the credit card I just want that original hard inquiry removed and or send me the credit card. How can this possibly be an ethical credit transaction. I value my credit report and pay all my bill on time and to would never have filled the credit app out if I was n't sure it would be approved. To top it all off I closed the bank account that I sent them the info on and had to open a new one to try to prevent identity theft from occurring. This has costed me so much time and so ridiculous. Please help me a consumer should never have to go through this! I would like the inquiry removed
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