BARCLAYS BANK DELAWARE

2017-03-14

TN

Credit line increase/decrease

Credit card:

Complaint: I am a XXXX veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since XX/XX/XXXX I started out with a XXXX credit line it was increased in XX/XX/XXXX to XXXX this only lasted 9 short months at which time in XX/XX/XXXX this line of credit was decreased after the card was paid in full to XXXX this affected my credit score they could not provide me with any reasonable for this action from the period XX/XX/XXXX thru XX/XX/XXXX they received a total of XXXX in payments from me. Again in XX/XX/XXXX the credit line was reduced now to XXXX and again after talking with them they were not able to provide me with a logical explination. This action again affected my credit score. They referred to XXXX Report as to their reasons my report reflects a XXXX score with XXXX accounts all on time payments and XXXX of them are paid in full.??? also my min payment due this month was XXXX they received a XXXX payment processed thru my bank on XXXX as instructed by me this is within their billing cycle but they are still insisting that the minimum payment is still due so this is not the first time this has occurred either can you see a pattern I can. These people should not be able to operate this way and get away with it if myself and my fellow veterans acted this way XXXX. I do n't know if you can do anything but I can hope you get a better resouloution than I did
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

Louisa, VA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: XXXX XXXX XXXX XXXX XXXX, working with XXXX XXXX XXXX, imposed hefty up-front fees based on a false promise that they would sell timeshare quickly. They issued a credit card to collect the debt. They never sold the timeshare and yet are charging {$4500.00} for a service they never performed. Both companies are based in XXXX, MO.
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

Cherry Brook, MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have had two scam/identity theft related issues to Barclay Card this calendar year. 1st : My statement on my existing account with the company showed an address change to XXXX XXXX, XXXX XXXX ( I live in XXXX ) That was apparently changed back when I contacted the company. 2nd : I received a letter trying to open credit card in my name. Reference number XXXX. I called it in a week or so ago but apparently someone is trying it again or whomever I called lost the information. I want the credit application quashed and better identity controls at Barclay Card 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

2017-03-13

Two Rivers, 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

2017-03-13

Washington, DC

Deposits and withdrawals

Bank account or service: Savings 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

2017-03-12

East Elmhurst, 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 explanation

Disputed: No Timely Response

2017-03-11

MD

Billing disputes

Credit card:

Complaint: I received an unrecognized charge on my account on XX/XX/XXXX. I called to report the charge on my Barclaycard CashForward card. They investigated the charge and determined it was a " chip read '' card present transaction. It was billed as a hauling and towing service located in XXXX XXXX. I had made no such charge in XXXX. I was not in XXXX on XX/XX/XXXX or, for that matter, since XX/XX/XXXX. They were not able to provide receipt copies or other information pertaining to the charge. I have no record of making a charge for any such towing or hauling services either in XXXX or in my home state of XXXX where I was on XX/XX/XXXX. They closed the investigation and determined it was my responsibility. Neither Barclay nor MasterCard appear to have any responsibililty for providing evidence that a charge is legitimate. I take efforts to manage my credit carefully and now am placed in a position of paying for a charge that I have no record of making or face derogatory reports on my credit history if I choose not to pay it. Unacceptable. Merchants and the bank processors need to have responsibility in verifying charges.
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

2017-03-09

Mechanicsville, VA

Credit card protection / Debt protection

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

2017-03-09

Allen, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
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

2017-03-09

CA

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I 'm writing this credit dispute because a Barclay Credit Card company employee has made a mistake that has lowered my credit score by over XXXX points by charging me $ XXXX dollars in unpaid interest on a {$17.00} dollar balance that they neglected to tell me I would still have once my account was closed. I closed my account at XXXX eastern time and the " Ghost '' charge did n't post until after that. I closed my account with Barclay on XX/XX/2016 because I was not satisfied with their service and when I closed my account, I asked that they make sure to check that everything was taken care of and that I was 100 % paid off. I made sure to have them check for any " Pending Transactions '' to make sure this would n't happen. Once my account was closed, I cut up my Barclay card and did n't look in the review mirror for anything " Barclay '' since. I was under the impression that I paid my account in full, 100 %! Upon checking my other credit cards, I noticed that my credit score has dropped over XXXX points because Barclay has filed a " Delinquent Payment '' towards my credit score for the amount of $ XXXX dollars. I called their call center today at XXXX and spoke to a young lady that stated that I actually owed {$17.00} on top of what I already paid and now that it was delinquent and past due, I owe $ XXXX dollars. When I closed it on XX/XX/XXXX, I only owed {$790.00} dollars and I paid {$810.00} because I made sure to have the representative check for any " Pending Transactions '' and they said I only had one pending transaction and it would bring my total to {$810.00}. So I paid more than the {$790.00} on file because of the pending transaction and now I 'm finding out that I did have another " Pending Transaction '' that just happened to process on the same day I closed my account with Barclay and the representative did n't notice it or neglected to mention it. This other pending transaction made it to where I still owned Barclay {$17.00} when I was under the impression that my account was closed and paid in full 100 %, as the Barclay representative had informed me of on XX/XX/2016. Due to this mistake by Barclay and their representative, I now owe $ XXXX dollars to Barclay and my credit score has dropped XXXX points. I would like Barclay to acknowledge that this was their mistake and that I am not liable for the owed interest on a payment that I was unaware that I had and I would like them to withdraw their " Delinquent Payment '' from my credit score and make it to where they take full responsibility for this mistake and my credit score is restored. Barclay did n't send me any physical mail to inform me of this delinquent amount and they did n't call my number on file to let me know about it as well, even though they knew I had closed my account with them. They sent emails to my old email box that I do n't have access to anymore and that 's how they left it. In summary, thanks to a mistake by Barclays representative, I was under the impression that my Barclay account was paid in full 100 % and I had taken care of all " Pending Transactions '' on XX/XX/2016, which is why I paid {$810.00} and not {$790.00} ( That my account said I owed on XX/XX/2016 ) and now my credit score has suffered a negative mark of XXXX points due to the neglect and mistake of Barclay. I 've since had them remove all interest charges and I 've paid the remaining total of {$17.00}, and I 've requested that they remove any negative marks from my credit report and they refuse to do so. I do n't deny that I still owed {$17.00} when I closed my account, but I refuse to accept this punishment on my credit score because of Barclays neglect to inform me of this remaining amount, their mistake in telling me I was paid in full when I was n't and their neglect to contact me to inform me of this other than sending emails. Please help! Sincerely, XXXX
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

2017-03-08

Verona, PA

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

2017-03-08

Rncho Domingz, CA

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: No Timely Response

2017-03-08

Oak Grove, MO

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 explanation

Disputed: No Timely Response

2017-03-08

Cherry Brook, MA

Billing disputes

Credit card:

Complaint: My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # 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

2017-03-08

Estero, FL

Rewards

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

2017-03-07

Hon, HI

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

2017-03-07

Pasadena, CA

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

2017-03-07

NY

Billing disputes

Credit card:

Complaint: XX/XX/XXXX I ordered XXXX face creams on the internet one called XXXX and XXXX. The first cost {$5.00} and the second {$3.00} and for some reason another {$.00} each from a company XXXX CA XXXX.I did n't like the product so I followed the instructions on the paper enclosed with the products. I recieved XXXX dispute numbers XXXX and XXXX. I was told to return the samples which I did and that would be the end of it. These products were put on my XXXX rewards mastercard. On my next statement I was charged {$97.00} and {$100.00} these charges were not authorized by me. I followed the instructions, had to pay for the shipping to return the products. To my knowledge I had done my share of what was required to have these charges taken off my bill. .On XX/XX/XXXX my credit card statement ending in XXXX was a negative - $ XXXX.I have not used this card, I cancelled it and have n't used it since. On XX/XX/XXXX I recieved a bill with not only the charges previously charged back in XX/XX/XXXX, but also the charge of {$40.00} annual fee for a card that I had thought I cancelled. When I call the Barclaycard XXXX mastercard, they tell me that they are still looking into it, and the charges remain until they make up there minds. In my last conversation with them I was on a three way conversation where the person on the other end asked me to send a copy of my social security number and a copy of my drivers license. I have never heard of such a thing I thought this was a reputable company Barclay Card services. I have had a XXXXcard for 15 years when it was XXXX XXXX There was never a problem. In conclution I have done everything possible on my part to have these charges removed, I no longer have the product, ,and to think that the credit card that I have had for years while it was XXXX XXXX has changed to this level upsets me terribly..
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

2017-03-07

Lady Lake, FL

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: Yes Timely Response

2017-03-07

Brooklyn, NY

Billing disputes

Credit card:

Complaint: Barclaycard, is refusing to take the fraud charge off of my account. I was picking up my fianc 's daughter from school - when Barclay called me saying there was a charge on my account from target totaling about XXXX dollars. Informed them it was n't me and my card is on. The rep told me no problem, we 'll cancel the card and reverse the charges etc. Now, being a member of Barclay for a while, having XXXX credit cards from them and even using their online savings - I have been a content consumer for a while until now. A month later, I received a call from them saying that the purchase was a chip card purchase and to their knowledge chip cards can not be cloned. The rep, informed me to get a police report - which I did. The detective whom specializes in this took my case, gave me a police report and acted quickly. He contacted me, saying Barclay is giving him a hard time to reverse the charges but not to worry because he pulled the camera footage however Barclaycard has n't been trying to work with him. Barclaycard contacted me, asking me to send in the police report. I sent in the police report since XXXX, every time I call they claim they have n't gotten it. As of yesterday, they placed the fraud charges back onto my account and have told me I have failed to send in the documents for them ( police report ) even though I have faxed them over 5 times and have copies saying that I did fax them with the time and date on the transmission copy from the fax. I have even sent the documents via mail to them. Every time I call or the detective calls they give us the run around. I have always paid on time, and I have always used their services my whole family does however, due to this mishap my family is considering cancelling all their accounts. I have asked them repeatedly over and over if I can email it since they keep claiming they have not gotten faxes or mail from me and they keep telling NO. Another thing, every time I call they keep saying " the notes on your account is very strange, not detailed and vague. '' I have begged them to replay the recordings since they record the conversations and they have refused. As this point, I have paid money again to overnight the reports ( police report and copies showing that I have faxed the report to them ) again. If you do research online, you can see cloning the chip card is possible. However even though they do agree it 's possible they keep saying " to their company knowledge it 's not possible at this time with us. '' I work in the technology field, the chipcard has been out in XXXX since the XXXX 's, however there 's a reason why they use chip+pin and not chip+ signature. You can even purchase a chip cloning machine from XXXX. I have begged them to review my GPS signal, you name it to show that it was n't me however anything I recommend they refuse. I am a college student, working XXXX hours a week paying rent in New York and trying to keep up with bills and here they are bamboomzling me out of money that I have nothing to do with. You can do tons of research and see that Barclay is pulling the same thing with different people and it 's not fair. I can upload upload/scan/fax etc anything you want so you can show Barclaycard that I have been trying and have made numerous attempts. Last time I spoke to them, they insisted that the reason why the fax might not be going through is because it 's a central dispatch and I did n't list my old account number on the paper, when I did.
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

2017-03-07

NJ

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.
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

2017-03-07

Northville, MI

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 monetary relief

Disputed: No Timely Response

2017-03-06

Columbus, OH

Credit reporting company's investigation

Credit reporting:

Inadequate help over the phone
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

2017-03-04

Agra, OK

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 explanation

Disputed: No Timely Response

2017-03-04

Zebulon, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
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