BARCLAYS BANK DELAWARE

2017-02-25

Mem, TN

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

2017-02-25

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

Disputed: No Timely Response

2017-02-25

Arco, CA

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: Barclaycard has been aware that a fraudulent account was opened with them using my information and they have not used any information I have provided to stop reporting this item on my credit report or unlink it from my information and actually investigate it. I 've attached a copy of the identity theft affadavit I have sent to them numerous times.
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

2017-02-23

NC

Transaction issue

Credit card:

Complaint: On XXXX XXXX, XXXX, we signed up for a virtual office and mail receiving service from a company called XXXX. In XXXX of XXXX, we were informed by XXXX clients as well as XXXX that they had sent letters to our NY address provided by XXXX company. We called ( left a voicemail since no one answered our call ) and emailed twice before XXXX of XXXX asking the XXXX representatives about this and did n't get a response. Therefore we made a decision in XXXX, XXXX to dispute the charge through our credit card company Barclays Cash Forward. They provided us temporary credit. Then XXXX XXXX, XXXX, they reversed the credit saying merchant ( XXXX ) has sent documentation to fight the chargeback. We requested that we see the documentation so we can defend our decision to dispute that charge since we did n't get part of the services we have originally signed up for. The letter was mailed out XXXX XXXX but we have still have not received it, We have called Barclays XXXX three times since then and they they keep saying it will arrive in 5-10 business days.
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

2017-02-23

North Hollywood, 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

2017-02-23

San Gabriel, CA

Transaction issue

Credit card:

Complaint: Despite being notified that a {$69.00} charge from XXXX was fraudulent and unauthorized, Barclaycard refused to reverse the transaction. They made no effort to verify the nature of the transaction but based their decision solely on the fact that it " appeared '' to be a recurring charge.
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

2017-02-23

Blossvale, NY

Other

Credit card:

Complaint: We sign up for a free 30 trial service with XXXX. We do n't like it so we cancel within the prescribed period. XXXX sends monthly charges to my credit card anyway. XXXX says they wo n't talk to me because I ca n't recite the E-mail address I used to create the account. Although I can recite everything else ( cc #, Address, etc. ). The credit card company says there is nothing they can do because I have a legal agreement with XXXX. So, now I wonder what you guys have been doing for the past decade? I ca n't be the first with this problem. My complaint is against YOU. YOU have done nothing to protect consumers against these corporate giants?
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

2017-02-23

WI

Credit card protection / Debt protection

Credit card:

Complaint: This is a rebuttal to the complaint I had filed ( XXXX ). For the first time I did get a call back from Barclaycard. Their response I felt was unacceptable. I am upset because the merchant had no time limits to use their service for the bids I purchased but Barclaycard said I enough time. How can they make that decision. They still did not offer arbitration or even consider All the items I did pay for with bids and ending purchase price that were never received. Services were not as expected. I do n't think they even tried to resolve this and just made a judgement call because they did not want to take the time.
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

2017-02-22

Brooklyn, 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: Yes Timely Response

2017-02-22

Santa Ysabel, CA

Convenience checks

Credit card:

Complaint: I noticed a discrepancy to my account balance in XX/XX/XXXX and so requested copies of the Barclays courtesy checks I had written to verify the balance. The courtesy checks were mailed to me on XX/XX/XXXX. I found that a single courtesy check payment in the amount of {$1900.00} that I had written to XXXX XXXX XXXX was posted to my account by Barclays Group twice, on XX/XX/XXXX & XX/XX/XXXX. Hence, there was a duplicate posting of a single payment as well as related bank charges and fees for the duplicate posting of the payment. I called Barclays on XX/XX/XXXX at XXXX and spoke with XXXX . I explained their discrepancy and XXXX created a case # XXXX, explaining it would take approximately 7-10 business days to correct the duplicate posting. I waiting and nothing. I called back on XX/XX/XXXX at XXXX and spoke with XXXX , who then transferred me to her manager XXXX . XXXX explained that the original case # made on XX/XX/XXXX was to the wrong department, and that she would need to create a new case #. XXXX created case # XXXX and told me it would be another 7-10 days to correct the issue. In the meantime, XXXX said she would reverse the related fees and charges applied to my credit card account as a direct result of the the erroneous posted duplicate transaction. She apologized and said she had expedited the case. No one ever attempted to contact me and when my XX/XX/XXXX billing statement came out, the error was STILL not corrected. So, I called yet AGAIN on XX/XX/XXXX at XXXX and was immediately transferred to another manager named XXXX , whom I was on hold with and spoke with over the course of 27 minutes. XXXX said that he had expedited the case to his direct manager and that the issue should be resolved within 3-5 business days. I asked for a call back and XXXX said they were an inbound call center only and that they could n't call me to follow up, that I would have to call back. He gave me a phone number XXXX and said they were in XXXX. I also said that I did n't think I should make a payment to the account until the issue was fixed, and XXXX said I should at least pay the minimum to avoid late fees. I explained that I found their actions highly suspicious - being transferred from one person to the next without explaination of how this occurred, the fact that I was the one who noticed the duplicate transaction, not the company, that i was being given the run around, and that the error still has n't been resolved. I said that I was going to report them to the proper authorities which is why I am writing this complaint. Needless to say, the issue is still unresolved, and given the circumstances, I am highly concerned that this may have occured to other Barclays customers and am concerned as to whether this constitutes as fraud, provided the company is overstating their income, wo n't fix their own duplicate transaction error within a timely period and does n't care about the consequences of their error. It has been 5 months now since this duplicate transaction was posted to my account and nearly 3 months since I originally contacted them about the error. Considering they did n't catch the error, keep giving me the run around with no follow up and most of all, have n't fixed the error or explained how the error occured, and do n't seem to care that the error occured in the first place is very troubling at the least, and unethical or illegal at the most.
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

2017-02-22

Nyc, NY

Delinquent account

Credit card:

Complaint: I had a XXXX card from XXXX. I had the card on Auto payment and every month, the card was automatically paid in full every month which XXXX debited from my checking account. The XXXX card servicing bank was switched without my approval from XXXX to Barclay 's bank in XX/XX/XXXX and a new mastercard account, with a new account number, was automatically opened for me at Barclay 's bank and the balance was transferred. Barclay 's bank turned off the Auto Payment unbeknownst to me. When I discovered that the my XXXX credit card account was not paid automatically as before, I paid it once I discovered the account was transferred and the auto payment feature stopped. Barclay 's bank then reported my payment to all the credit agencies that I was 30 days late. However, even after disputing with Barclay 's bank and the 3 credit reporting agencies, Barclay 's Bank continues to report on my credit report that " I made '' a late payment which is hurting my score and my ability to access credit and the best rate. This was not MY doing it was THEIR doing. I do not have any other late payments on my credit report in the history of my file which started in XX/XX/XXXX. The lower credit score now indirectly costs me more money through higher rates and less advantageous credit offers.
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

2017-02-21

Rncho Domingz, CA

Billing statement

Credit card:

Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

Montevallo, AL

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-21

KS

Rewards

Credit card:

Complaint: Barclay credit card states that I am to receive XXXX pts per dollar spent at XXXX hotels. I am only receiving XXXX pts. I have called numerous times to resolve this issue. It was resolved a few months ago and I was awarded my earned XXXX pts. It is now back to XXXX pts, I have called and received case numbers ; however, no resolution.
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

2017-02-21

Long Beach, CA

Credit reporting company's investigation

Credit reporting:

No notice of investigation status/result
Complaint: Barclay Bank reports account XXXX as derrogatory/delinquent on my credit report. I have sent a request on XX/XX/2016 and XX/XX/2016 requesting validation of debt, otherwise, Barclays must remove the reports from all XXXX credit bureaus. Barclays received my certified letters on XX/XX/2016 and XX/XX/2016. On both occasions Barclays was unable to validate my debt, however noted on my credit reports as " disputed '' or " consumer disagrees '' but it never provided evidence ( validation of debt ) of the debt belonging to me. A letter indicating they are researching or a computer print of credit card bills is NOT validation of debt. A validation of debt must bear my signature of said contract. Barclays failed to so in a timely matter. I have requested numerous times to remove the invalid information on my credit reports but Barclays have neglected 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

Disputed: No Timely Response

2017-02-20

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This complaint is against the Barclays Bank Delaware/Barclaycard Card Services, XXXX XXXX, XXXXXXXX XXXX. On XXXX XXXX and XXXX, XXXX, a stolen credit card number from a Barclaycard Visa account that I had was used to charge purchases totaling {$9800.00} at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX, and {$9.00} at a XXXX XXXX in the XXXX, XXXX. Barclays mishandled my initial reporting of these charges as identity theft and later claimed having no record of every piece of evidence I have subsequently submitted to it in support. I present the following facts : On XXXX XXXX, XXXX I phoned the Barclays Bank fraud department to report these charges as false. I requested that it send me a blank in-house copy of its Statement of Fraud form to complete and return in order to begin the process. I repeated this request during follow-up phone calls on XXXX XXXX and XXXX XXXX, XXXX, because each time I made the request, the form was not sent to me. Barclays, despite having my correct address on file since XXXX XXXX and verbal confirmation of that address during each of the above-cited phone calls, continued to send the requested Statement of Fraud forms to a previous XXXX address, although it continued to bill me at my correct XXXX address. I have retained those forms and the mislabeled envelopes in which they were sent, as they were eventually forwarded to me. After finally receiving a Statement of Fraud form at my correct residence, following Barclays protocol, I completed and submitted both it and the following submissions on the following dates ( none of which were acknowledged by Barclays ) : ( 1 ) a letter to Barclays Card Services, XXXX XXXX, XXXX, XXXX XXXX ( a Barclays-directed address for correspondence to its fraud department ), sent by US mail, dated XXXX XXXX, XXXX, complaining about Barclays repeated mailings of the requested Statements of Fraud to an incorrect XXXX address despite its uninterrupted billing to me at my correct XXXX address ; ( 2 ) a fax transmission, dated XXXX XXXX, XXXX, containing both a completed Statement of Fraud signed by me and an Incident Information Report # XXXX issued by the XXXX XXXX Police Department, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ; and finally ( 3 ) a fax transmission, dated XXXX XXXX, XXXX, containing both a Complaint Report completed by investigating detective, XXXX XXXX, from the same XXXX XXXX XXXXXXXX determining this as a case of Grand Larceny, and a note from me which asked Barclays to acknowledge the receipt of the report. Both items ( 2 ) and ( 3 ) were faxed to Card Services, fax number XXXX, which is the directed fax number indicated on the Barclays Statement of Fraud. On XXXX XXXX, XXXX, having had no acknowledgement of any of the above correspondence, and amid continuing billing, I phoned the Barclays Fraud Department once again and was told by the operator ( XXXX, Operator ID # XXXX ) that Barclays had no record of any of the Postal or fax communications items that I have delineated above. In response to this failure, I was compelled to re-submit items ( 1 ), ( 2 ) and ( 3 ), outlined above, by US Registered mail on XXXX XXXX, XXXX, but as of this date, I still have not had a single response from that company 's representatives other than subsequent billings and penalties. To date, the original charges, with penalties, have ballooned to over {$11000.00}, and have negatively impacted my previously strong credit rating. The XXXX police department has determined this to be a case of Grand Larceny. Neither Barclays nor XXXX has produced a signature for these in-store purchases, against which I am ready to compare my own legitimate signature. I have recently subitted a similar complaint against Barclays and Barclaycard to the office of the Attorney General of the State of 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: No Timely Response

2017-02-19

Tarzana, CA

Billing disputes

Credit card:

Complaint: I disputed a charge on my Visa card from XXXX XXXX back in XX/XX/XXXX in the amount of {$2700.00} for a keyboard I had purchased that did not arrive in the condition it was supposed to be in. The keyboard was returned to XXXX XXXX and the amount was credited back to me. In the meantime, my Extra Points Visa Signature Card issued by Barclaycard continues to charge my account for the above stated amount despite the fact that I have complained numerous times that there was only XXXX purchase, it was returned to the merchant and I do not owe any money. I do not have anything in my possession. I was told by the agent several times that it is an error on their part and it will be escalated and removed from my account. This has not happened. Since XX/XX/XXXX, the charge continues to appear on my account. It is affecting my credit score and is wrongfully subjecting me to a liability I should not have. They are doing nothing to resolve the problem and I require assistance in getting this cleared up permanently.
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

2017-02-18

Katonah, NY

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: No Timely Response

2017-02-18

Bullhead City, AZ

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt 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

2017-02-17

Plymouth, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I visited a merchant in XXXX, XXXX and purchased a {$20.00} hat with my Barclays credit card back on XXXX XXXX, 2017. The merchant charged the correct {$20.00} to my card, but seems to have also fraudulently charged {$120.00}. I disputed the charge with Barclays because I never authorized it, was never made aware of it by the merchant, and it was fraudulently charged. Barclays responded that they would not remove the charge because the " chip was used. '' The merchant asked me to hand him my card so he could run it, I was unable to see what he was doing on his end. When he showed me the screen, the correct amount of {$20.00} was displaying, so if he did it before showing me the correct amount, I have no idea. The purchase was not treated as a Chip + PIN purchase as it never prompted me to enter my PIN. I could understand Barclays argument if I had entered a PIN, but just because the card 's chip was used does not mean that I authorized the charge. By that flawed logic, one would be responsible for charges a waiter makes when he takes your card to the " back '' to run your bill. I am sure that neither Barclays nor the merchant will be able to produce a signed receipt in the amount of {$120.00}. Barclays went even as far as issuing me a NEW card with a different number when I reported the incident, but refuse to refund me the {$120.00}.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-16

Doylestown, PA

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

Disputed: No Timely Response

2017-02-15

New Britain, CT

Privacy

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

2017-02-15

Falls Church, VA

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 non-monetary relief

Disputed: No Timely Response

2017-02-15

Salem, OR

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 explanation

Disputed: No Timely Response

2017-02-15

Mount Holly, OH

Transaction issue

Credit card:

Complaint: My name is XXXX XXXX ; I want to file a complaint on my credit card account with Barclays Bank Delaware. They have denied my dispute with a merchant, XXXX XXXX Calls back in XXXX/XXXX/16. It was an emergency phone call that I to make to call my spouse. The location was at a XXXX XXXX XXXX in XXXX, PA. This public pay phone clearly stated {$2.00} for the first 2 minute. But it never showed on there any types of charges might be associated with the call. I stood there and read all the little fine prints over 5 minutes before I made the call. Even when I made the call, I clearly listened to all the automated direction. There was no disclaimer of any types of charges might be add on for it. I carefully listened to all the messages before i typed in my credit card # 's. Finally, I made a XXXX minutes call using my watch to time it. Then about XXXX minutes later, I tried again but never got through. When I got home, I was billed and charged 3 times on my billing statement : {$21.00}, {$34.00}, {$21.00} totalling about {$77.00}. I was upset and called the XXXX XXXX and they did n't resolve nor explained anything to me. Simply they did n't care at all. So I called my Barclays Bank and disputed, we got on the phone and did a XXXX way calling to XXXX XXXX. This company gave me a run around and finally offered me XXXX partial refund of {$21.00}. But I did n't agree to it since no other phone call went through. I made XXXX call XXXX minutes and got charged this much. The customer service agent for XXXX was obviously a foreigner. He did n't even speak XXXX well and did n't understand a lot of common sense. I asked him if he was in XXXX XXXX or XXXX because I could easily spot a foreign speaking person doing customer service for U.S companies. But he kept denying where he was. We all have talked to foreign customer service rep many times before and its inevitable. I was on the phone over 45 minutes explaining to them, who in the right mind would pay such a high price for a call like this. Any one could get a prepaid cell phone less than {$20.00}, plus unlimited minutes at XXXX, XXXX, XXXX for less than {$50.00} a month. This was an emergency and I had to made that call only. After XXXX long months, my bank finally said they closed the dispute and had sent me letter. But I 've never received anything in the mail. Today, I called them and found out that I had not credited/refunded the charges because I did n't have any prove. I advised them that I did n't not have a phone to take any pictures of the disclaimer at that phone booth. I wish I could back there XXXX hours away just to prove my point. Basically, they told me I had to eat it and take a lost. Why would anyone pay for something that they did n't receive service. How was this fair to me as a consumer and knowing your bank always fight for you. Under the FTC regulations, consumers are protected for misleading, unfair, and fraudulent business practices. This is totally unfair, illegal, and unethical. I will take all necessary actions to pursue legal means for my hard-earned money. Please look into this and open and investigation as I am filing more complaint to the FTC and the XXXX Attorney office. Thank you for your time and I look forward to hearing from you. I will check my complaint status periodically after today. Sincerely, 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