BARCLAYS BANK DELAWARE
Consumer Complaints
There are over 7700 complaints on file for BARCLAYS BANK DELAWARE. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 155
2017-03-04
Grosse Ile, MI
Credit line increase/decrease
Credit card:
Complaint: I am a XXXX and currently a graduate student at the XXXX. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on XX/XX/XXXX ( US ) and was told that I only had {$270.00} of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by {$700.00} due to information they received on XX/XX/XXXX ; therefore they dropped my credit limit that day. The fastest response time I 've ever seen. It takes 45 days to get a response to a complaint. The said they send a mailing to my address on file and that would have taken 7-10 days. No call, no email, not express, and no XXXX message ; as I had been in contact with Barclaycard 's during that time via XXXX and they were accessing my account information. In the last two weeks, I had a reimbursement put on my Barclaycard that was {$900.00}. Nonetheless, the manager I spoke to said this was a 'credit ' and not a 'payment. ' As I explained, I am overseas and was trying to avoid the time-consuming hassle of getting the payment in cash depositing it in my XXXX and then transferring it to my U.S. bank to make my monthly payment. They said I still needed to make a 'payment, ' so I made my monthly payment as well. The same day they replied to my XXXX message complaining about the customer service was the same day they lowered my credit amount. Barclays had just received XXXX the monthly minimum the same month they reduced my credit by {$700.00}. I could have just as easily nickeled and dimed them with minimum payment or taken that 'credit ' in cash but I was responsible. I raised a fuss on social media and had my credit downgraded. My credit rating had been steadily rising in the last year to around XXXX when they decided to lower my limit. I have XXXX credit cards including the Barclay card with a balance of around {$450.00} and a previous credit limit of {$1600.00}. I also have student loan debt like everyone else. I 'm unclear what this credit report could have said when I have been on top of my payments, and my credit score has been increasing each month and each year for the past two years. My ability to access Barclay via the app for the last 7-10 days has been nonexistent or significantly limited en=ven though my app is up to date. My XXXX address is XXXX. XXXX XXXX XXXX. I am currently living at XXXX. XXXX, XXXX, XXXX XXXX. Any paperwork they have sent has not arrived and I have received no information via email, app, or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-03
South Florida, FL
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: In XX/XX/XXXX I bought merchandise from a business, XXXX XXXX XXXX, in the amount of {$610.00} with my Barclaycard. I called and spoke to the owner of XXXX XXXX. He stated that he 'll send me a replacement or will refund me if the new merchandise did n't work, as I was having an allergic reaction. I received the shipping label via email only. I got the label and that to me was a sign they would comply with the agreement we made over the phone. I shipped the merchandise back within the week, they received it ( confirmed via tracking ) and I waited. After 2 weeks I wrote an email to them asking where my merchandise was, no answer. I called, no answer. I did this for over a month, I called and emailed, and no reply. I contacted my credit card company to help. They asked me to send they all the information I had, so did that same day. It took them some time to get a reply from the business. When they did, the business said the merchandise was non-refundable. I sent the credit card company a copy of the shipping label they paid for, which their return policies say they will not do, among all and any other information they asked for. This paid shipping label is a clear sign the company had agreeing to receive the merchandise and took responsibility for a return of money or new merchandise. I have been back and forth with my credit card company since XX/XX/XXXX on this. Every time I spoke to them, no one knew what the status was, or needed more information, runaround. I spoke to one " investigator '' and she told me, " I need their return policies ''. I replied, " they are online to view '' and went through they with her. She said, " everything looks good. You sent the merchandise within the 30 days, and they sent you the label, which it clearly states they wo n't do. We should be all set XXXX XXXX. You should have your return soon ''. When I saw that there was no return I called back. After been transferred and hung up on ( which was an ever phone call thing with them ), I got a young lady by the name of XXXX, she told me " We need something in writing that show they are in agreeance '', " You can see clearly they have robbed you '' and then " Get us something in writing that A. says they will refund your money or B. that they will send you new merchandise, that is what we need to send their bank to get your money back ''. So I reached out the company again, after about 6 months later from receiving the per-pad shipping label and, by a miracle, got a reply, on XX/XX/XXXX, on their website, there is a '' talk live '' messager. On there, a rep clearly stated their apologizes and would send me the merchandise within a week. It 's been 4weeks and I have nothing. I reached out the credit card company after 14 days and told them " Ok, it is clear they will not do as they say. What 's the next step? '' mind after been transferred again for over an hour, I demanding a manager. I finally got one, He asked for me to fax a copy of the messager conversations, I did so right away, and saw told a " manager '' would call me back in 24 hours. I confirmed my number and waited. My mother who is a cardholder got the call, not me. So I called for a follow-up, 2 days later. After getting the runaround, again for about an hour, I got the " manager '' who had called me. She told me they had n't even received the fax. She asked me to once again fax the copy to them and that she will note on my account, that someone will call me back to assure they have everything they need, as the fax goes to a large center. I never got that call. The Credit Card company has told me today they will no longer help, " as the company said they did n't authorize the return '', which is not true, " To get the return on your own ''. In spite of the return label and the messager that clearly states the new merchandise was on the way. Please help so much more to say but cant fit it all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-03-03
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
2017-03-02
Omaha, NE
Incorrect information on credit report
Credit reporting:
Account status
Complaint: On the statement from my financial institution, on XXXX/XXXX/2017 barclays bank extracted the full balance owed of {$4100.00}. So, i made a dispute for the inaccuracy because the bill had been paid in full, and on XXXX/XXXX/2017 they reported & dispute 'resolved ' that no payment had been made, & even increased the balance owed. Again my credit report was updated on XXXX/XXXX/2017, with still no mention of this payment and that it had been paid in full, & the increase in debt owed is violating my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-02
Atlanta, GA
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
2017-03-02
Wailuku, HI
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
2017-03-02
Pikeville, NC
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
2017-03-02
Pikeville, NC
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
2017-03-02
Colo Spgs, CO
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
2017-03-02
Northbrook, IL
Late 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
2017-03-01
Cape Coral, FL
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
2017-03-01
Phila, PA
Unsolicited issuance of credit card
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-01
CO
Identity theft / Fraud / Embezzlement
Credit card:
Complaint: While on vacation in XXXX in XX/XX/XXXX, our credit card number was stolen and used to make purchases on XXXX and XXXX. Barclay Mastercard contacted me and asked if the purchases were mine, they thought they were fraudulent, and I told them NO they were not our charges. We contact XXXX and they confirmed that the charges were not ours and that they could see another person 's email account was used to make the purchases. Barclay took the charges off, then a few weeks later they sent a letter and said they put all of the charges back on our credit card. I have called them about 7-8 times and spoke with XXXX, a manager, and XXXX, in the fraud investigation. XXXX told me on XX/XX/2017 that he is a manager and would take care of the charges and make sure they are taken off. It has been 2 weeks and he never called back and has never addressed the issue. Everytime I call, no one knows what is going on and no one will help me. Attached is the contact name for XXXX at XXXX. XXXX XXXX Case # XXXX ; Fraud claim with 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
2017-03-01
MA
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt resulted from identity theft
Complaint: Sometime on or about XX/XX/XXXX, the date I am not sure about a person or persons unknown to and without my express permission opened a credit card account with Barclaycard and charged items to that card in the amount of {$5000.00} or more. Upon a routine credit check it was discovered that this card on my credit report. I immediately contacted Barclaycard and reported the fraudulent card and theft of my identity that was used to open the card. After speaking with the fraud department at Barclaycard I was assured that this was indeed an act of fraud perpetrated against me. I was told I was not responsible for the charges incurred and that the card was cancelled and they would investigate the incident and no further was required on my part. Subsequent to that I never heard again from Barclaycard and thought the matter closed. In XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX , XXXX in the amount of {$5400.00}. I notified them of my dispute of the debt by certified mail and never received verification of my debt as requested. Then in XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX of XXXX XXXX requesting payment of a debt of {$5400.00}. I notified them in writhing and by certified mail of my rights and that the debt was the result of credit card fraud and request they provide me with verification that was in fact my debt. I never received a response from them nor was I ever contacted by them again. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX of XXXX XXXX, XXXX concerning the collection of a debt of {$5400.00}, again from Barclays Bank Delaware, Account No. : XXXX. I immediately notified them in writing and by certified mail that this was credit card fraud and my dispute of the debt along with invoking my consumer protections rights of which were amongst other protection rights were contacting me by mail and verification of the debt. While awaiting a response from XXXX XXXX XXXX I received a " ID Theft Affidavit '' from them which appeared to have an internal file number XXXX XXXX written in the upper right corner. This number also correspondent with a number on a payment voucher. I immediately that this was a ruse to garner further personal information from me in an attempt to collect a debt. I received three of these why awaiting for a written response to my dispute of the alleged debt. My letter of dispute was mailed on XX/XX/XXXX and I did not receive a written response until XX/XX/XXXX far exceeding the required 30 days in which to have responded. In their written response they enclosed XXXX credit card statements from XX/XX/XXXX and XX/XX/XXXX both showing credit card activity with a pre-existing balance claiming that these documents were proof of my debt. Again none of the purchases being mine or authorised by me. On XX/XX/XXXX I responded by certified mail to their claim of proof that it was my debt clearly stating the the copies of the credit card statement were not proof of my opening the account in dispute but merely statements showing the fraud perpetrated by using my identity. On XX/XX/XXXX I received a written court complaint alleging in small claims court ( XXXX ) that I owed an outstanding debt to Barclay Bank Delaware in the amount XXXX to be heard on XX/XX/XXXX, XXXX. I know request that an investigation be conducted into this matter for blatant violations of my rights under the consumer protection law of the United States of America and Commonwealth of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-01
Ft Belvoir, VA
Closing/Cancelling account
Credit card:
Complaint: My credit card account was shut down with a rewards balance of {$760.00}. The points are now gone from the account and I have no access to them from the website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-03-01
OH
Incorrect information on credit report
Credit reporting:
Account terms
Complaint: Keep getting alerts that my Barclays account is 60 days past due this account was paid in XX/XX/2016 through XXXX XXXX XXXX on my behalf to XXXX XXXX XXXX XXXX on Barclays behalf. I have sent in these letters to the parties several times. The reporting amount is not was was owed. It has been changed to {$0.00} but every month I get an alert that I 'm 60 days past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-03-01
Annapolis, MD
Communication tactics
Debt collection: Credit card
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-28
New Bedford, MA
Other fee
Credit card:
Complaint: Was a happy XXXX card member for years, in late XX/XX/2016 XXXX converted the card portfolio to Barclaycard ( XXXX ). We almost never carry a balance over, but we started to in XX/XX/XXXX and Barclay has been overcharging the interest expense every month. Instead of charging interest on the carried balance they charged it on the entire average balance. So if we charged {$3000.00} last month and carried {$3000.00} from previous months then they charged us 15 % of the {$6000.00} = {$75.00}, should have been {$37.00} in interest charges. They are double dipping, getting the interchange fee ( 1.5 % of purchase, equal to an 18 % apr ), plus they are getting the interest on the purchases at 15 %, that is the equivalent of an 33 % interest charge.
I feel this practice is very unethical, if not illegal. We converted, not by our choice, from XXXX to Barclaycard MasterCard, so if we leave we lose all the points we acquired in previous years. Completely unfair and is why the big financials have the hated reputation they have now. Hope you folks over there can investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-28
East Windsor, NJ
Incorrect information on credit report
Credit reporting:
Information is not mine
Complaint: On XX/XX/XXXX Barclay Card US : Incorrectly placed someone else 's bankruptcy on my Barclay credit card account, then ; Closed my account, then ; Removed my reward points for my account, then ; Notified all XXXX credit agencies that my account was in collections, then ; Did not inform me of any of the above.
This caused my perfect credit score and report to drop to its lowest level in my life.
Barclay refuses to send me documentation that they have corrected these egregious errors with all XXXX credit agencies. Barclay refuses to reimburse me for the cost of credit reports and FICO scores so that I can track the resolution of their error.
Since opening the Barclay credit card on XX/XX/XXXX, I had paid every bill in full and on time, and continue to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-02-28
Chester, NY
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 monetary relief
2017-02-28
Beachwood, OH
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
2017-02-27
Charlotte, NC
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 monetary relief
2017-02-27
Aurora, CO
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
2017-02-27
FL
Advertising and marketing
Credit card:
Complaint: I use a XXXX / Barclay credit card to make a XXXX purchase back on XX/XX/XXXX. One of the benefits of using this credit card to pay for the XXXX is {$100.00} credit. Since last year I have been calling several time to inquiry as of why the credit has not been posted to my account after XX/XX/XXXX. There are constant excuses and the last time I call ( 2 weeks ago ) a representative told me that the request was made manually and it will be on the account not later than XX/XX/XXXX. So far no credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-02-25
Late fee
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