BARCLAYS BANK DELAWARE

2017-02-15

Holy Cross, IA

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 explanation

Disputed: No Timely Response

2017-02-15

Hillsdale, NJ

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

2017-02-15

NV

Credit determination

Credit card:

Complaint: In XXXX 2016, I called my credit card provider, Barclays. I requested a credit increase in order to cover charges for my mother 's funeral. I was asked to informally state my annual household income. I told the woman {$XXXX}, which is about the same has it has been for the past 2-3 years. I was told my request was denied, without any reason why. I later received a letter stating that the request was denied because I reported my income was {$XXXX}. The woman either did not hear me or made a typo in submitting the request, leaving {$XXXX} off our annual income. This is solely based on Barclays error. I have repeatedly contacted Barclays about fixing this. After being routed through several departments over several days, on multiple occasions, I am told it is my responsibility to contest BARCLAYS ' MISTAKE with the credit bureaus by providing proof of income, tax returns, and more. Since then, my credit score, as well as my wife 's credit score, has been reduced by XXXX points. All of this based on an informal request for my income. Why is it our responsibility to correct this, when it is unquestionably Barclays ' mistake, and Barclays refuses to do anything?!?
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

FL

Billing disputes

Credit card:

Complaint: We opened a Barclays Master Card account to pay the maintenance fee for a time share with XXXX. We used the card 1 time to pay the fee off in 6 months with no interest charge. We paid the first payment after receiving the notice but we never got a notice of the next payment due and forgot. After several months, we received a call telling us the full payment was due with a late fee. We paid the full amount and the account was closed. This all transpired in XX/XX/XXXX and XX/XX/XXXX. Today I received a phone call from XXXX XXXX saying we owed {$380.00} on the credit card amount. The reason they gave was that when we made the last payment that there was a penalty and interest that were due not included in the amount given to us. So for a year they have been adding interest and charges on an account that had been closed for some time. In the meantime, we have been working with a representative of XXXX to give them back our XXXX properties. For this gift of a deed for a XXXX, AZ resort and XXXX XXXX, we have to pay {$750.00} in title fees. We were told by this representative to ignore the latest maintenance fee bills that we would not be charged for them. Today, the person calling from the credit card said we still owed the credit card fee. We feel that we in good faith had paid that account off based on the amount we were given by XXXX/Barclays MC. We disagree with the amount and feel that any law allowing them to do this is unfair and should be outlawed. The consumer should have some protection. We also would like those charges to be removed, the account closed and a letter sent to us and XXXX XXXX showing a XXXX balance on our account. Thank you for your help. XXXX XXXX XXXX XXXX and XXXX XXXX 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

2017-02-14

Magnolia, TX

Unsolicited issuance of credit card

Credit card:

Complaint: I received a credit card and new account package in the mail from BarclaycardUS. It was addressed to me at my home address and had instructions for activating the card. I did not open an account or request a credit card account so I called to request that the account be closed immediately. Unfortunately, Barclaycard could not address the matter unless I provided my date of birth, last XXXX digits of social security, mother 's maiden name, and phone numbers for the account. I told the representative that I did not open the account and I refused to give them any personal information. They were not able to address the matter unless I provided this information. I asked to be transferred to their fraud department. That representative also requested the same personal information and I again refused. I told them I simply wanted to advise them that I did not open or request an account in my name. They told me they were unable to help me unless I provided the personal information. I hung up and filed this complaint.
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

2017-02-14

Gloucester City, NJ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I submitted a list of unauthorized charges to Barclays bank. They did an exhaustive review and I have a recorded conversation that revealed they reviewed the charges and agreed that the charges were unauthorized. They further sent a letter saying the same that the charges were unauthorized. Late in the game, some adjustor named XXXX stepped in and decided out of the blue that all of the charges were legit and reversed all the credits a previous adjustor found unauthorized after that previous adjustor reviewed for months ( XXXX reviewed for 72 hours ). Over the phone XXXX said it was because of the fact that the charges were XXXX charges and that on my XXXX profile there 's a photo of my wife and I in XXXX ... .Well yes, XXXX that is accurate. 18-24 months before the unauthorized charges took place, i proposed to my wife in XXXX ( I did n't know that was illegal or that deemed someone allowed to use my credit for unauthorized use at their leisure after the fact and I foot the bill ). There is a clear time stamp on this photo in XXXX which I willingly faxed to XXXX. I, also to show XXXX I was n't in XXXX when the charges took place, faxed him a copy of a doctor 's report for my ongoing XXXX case that clearly shows I had a doctor 's visit in XXXX when charges took place in XXXX.
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

2017-02-13

New York, NY

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 explanation

Disputed: No Timely Response

2017-02-13

Lb, CA

APR or interest rate

Credit card:

Complaint: I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. 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

2017-02-13

WV

Billing disputes

Credit card:

Complaint: I had a credit card with Barclays XXXX, sometime last year they cancelled my card with no reason. At this point the payments had all been made. Since I chose " paperless billing '' I stopped receiving a bill in the mail. Shortly after my card was cancelled I called Barclays to let them know I needed a paper statement. They did not send me the statement. I contacted them again and just made the payment over the phone. Barclays took more money out of my account than I authorized. When I called them back to question this I was directed to a person I could not understand because they spoke broken XXXX. Since this time I have requested a paper bill so I could make my payment online and everytime I call they say they will send one but never do. At this point my payment is about 3 months late and I am trying to pay it but I can not trust them to take a payment over the phone and they will not send me a bill. I feel like they keep restricting my online access so I can not make the payment and this will happen. Also, last time I spoke with an account representative they insisted on asking my whole social security number, which I feel is suspicious.
Company Response: Closed with monetary relief

Disputed: No Timely Response

2017-02-13

WI

Credit card protection / Debt protection

Credit card:

Complaint: I filed disputes with Barclaycard Master card on XX/XX/2016. First after 3 months they just closed the dispute then reopened it when I called about it and then closed it again after another 2 months. They felt the merchant was in the right. I do n't feel they fairly represented me the customer. They never even bothered to give me a call. All calls were initiated by me and I never got what I felt were fair responses. I had provided them with a lot of information to prove my disputes but they showed me nothing the merchant provided to prove me wrong. I was left with the impression that they just did not want to take the time to follow through with my disputes since it involved a lot of money. My other Credit Card companies took far less information and found in my favor. They did not even offer arbitration.
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

2017-02-13

Las Vegas, NV

Convenience checks

Credit card:

Complaint: A fraudulent convenience check was written on my account last XX/XX/XXXX. I never had the check in my possession and reported the fraud to Barclay on XX/XX/XXXX. Since then I 've been given the run-around with different numbers to call and XXXX different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.
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

2017-02-12

Phoenix, AZ

Late fee

Credit card:

Complaint: have attempted to set up a monthly payment plan online with Barclaycard ( XXXX credit card ) and still received payment due emails. I thought I had made a mistake in XXXX, but now I know there is something faulty on their end. Today I received an email saying I had missed my payment, but I am sure I made the payment online before the due date. I can assure you that my credit is close to perfect, this company upgraded my credit line from XXXX to XXXX grand on their own, which shows that I am responsible. I tried to ask that they work with me, but in order to help me I have to have a confirmation number which I did n't think to print. I talked to XXXX in XXXX Nevada at XXXX XXXX today XXXX/XXXX/17 and was told that nothing could be done, I was simply stuck with a {$27.00} fee. He informed me that he sees a log in this month on the XXXX and he can usually see what I click on, but no payments or attempts were done. Soon after the call I payed the whole balance of {$1100.00} and made sure I took the confirmation number XXXX. This shows that I have had the money and do n't want to mess around and get stuck with extra fees. They are obviously having technical issues and think is unfair.
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

2017-02-12

Ashville, OH

Credit line increase/decrease

Credit card:

Complaint: I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by {$600.00} because I was " nearing my limit ''. I was at least {$900.00} away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it other than to potentially charge a fee or harm the consumer? The customer service manager also told me that it depends on my " overall credit health. '' However, my credit health, according to their XXXX reporting system is XXXX -- which happens to be over XXXX points higher than my husband 's who was just given a credit limit increase. This is not the first time I have seen my husband 's credit limit increase while mine has stayed the same or, like this time, been reduced. Our credit reports are virtually the same -- he has a higher debt to income ratio because of our mortgage, which is why I believe his score is typically lower than mine, yet he has consistently received credit limit increases ( without request ). This has been a consistent issue with Barclaycard Delaware since opening our accounts, which occurred within a few months of each other. I can find no other reason for this other than discrimination in their portfolio management. I have never been late, I have never gone over my credit limit, and my account has remained active and in good standing through my entire history with the company. Now, because my limit was reduce, a purchase of mine will put me over my newly reduced credit limit, which I believe will harm my credit score and overall portfolio history with the company, should I decide to keep my account open.
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

2017-02-10

City Industry, 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 monetary relief

Disputed: No Timely Response

2017-02-10

Congers, NY

Customer service / Customer relations

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

2017-02-10

Middletown, NJ

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: No Timely Response

2017-02-10

Brooklyn, NY

Credit line increase/decrease

Credit card:

Complaint: I have been a customer of this credit card company for about 2 years. I began with a credit line of about XXXX, I then requested an increase and was given a line of XXXX. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to XXXX without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, they claim they had " concerns '' about my account. I asked if the account was in default, and they said no. Their concern : my OTHER cards had high balances. Not that they were delinquent or in default, and this is immediately after the XXXX, when historically people use their cards the most. I believe this is an unfair practice, and it was only done for the credit card companys benefit. They refused to reinstate my original credit line so that my score was not impacted. I am planning to purchase a home in the next few months, and this will cost me a lot of money because of my credit score.
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

2017-02-09

Lenoir City, TN

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-09

Hercules, CA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Complaint: I have a collection account on my credit report maintain under my Social Security number from XXXX XXXX XXXX on XX/XX/XXXX I sent them a certified formal letter formally requesting validation of the debt pursuant to the Fair Debt Collection Practices Act. I 'm Seeking competent evidence bearing my signature showing that I ever had some contractual obligation to pay them, validating this debt as mine and letting them know that any negative marks found on my credit reports from their company for a debt that I do n't owe, is a violation of the Fair Debt Collection Practies Act ; therefore stating to them if they could not validate the debt and provide me evidence and validation of my signature they must notify all credit reporting agency 's XXXX, XXXX, XXXX to delete the entry also reminding them that 15 USC 1692 team seq., that this letter / notice has the same effect as a dispute to the validity of the alleged debt and a dispute to validate of my claim I received a letter from XXXX XXXX dated XX/XX/XXXX stating that they are the sole owner of this debt purchase from Barclays Bank stating that after reviewing my letter from XX/XX/XXXX that they were unable to determine the nature of my dispute and they consequently denied that there records were inadequate and the debt is accurate. Upon receipt of my certified letter XXXX XXXX had 30 days beginning XX/XX/XXXX to notify the credit agencies that I had disputed the validity of this item and placed on my credit report ( Disputed by Cosumer ) which they did not place on my credit report required by law FDCPA 807 ( 8 ) and they violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30 day attached is a copy of my credit report dated XX/XX/XXXX The 31st day.On XX/XX/2016 I sent a second letter to XXXX XXXX stating to them that they have not provided any available evidence bearing my signature showing that the account is being reported accurately, I formally requested again provide me any documentation bearing my signature showing that I have a legal binding obligation to pay them, and this debt is valid and to please provide me the name address telephone number of each person who personally verify this alleged account so I can inquire how they verified without providing any proof bearing my signature to myself as requested in writing. I also reminded XXXX they are liable for willful noncompliance as per FDCPA 807 false and misleading representation [ 15 USC 1962e ] their response again is the information is correct from the letter I received XX/XX/XXXX and still no verification or validation with any evidence bearing my signature on any contract saying that Iam responsible for the alleged debt.On XX/XX/XXXX I sent XXXX A third letter reminding them of their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - responsibility of furnishers of information to consumer reporting agency 's [ 15 U.S.C.1681s-2 ] did not furnish me any proof or validation of my signature on a contract for this alleged debt, there violation of Federal Law by not properly providing credit bureaus with the proper notice within the required time frame and that I had disputed the item in question.I believe that XXXX XXXX is acting in bad faith, and not have complied with the Federal Trade Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices.
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

2017-02-09

FL

Other

Credit card:

Complaint: Barclay Bank Barclaycard, I went online to review my account and discovered my credit limit was reduced from {$2000.00} to {$1200.00} without any notification from Barclay Bank! I called them and they said because of credit usage on other cards NOT Barclaycard that they reduced my credit line because of that. I spoke to one of their credit representatives at Barclay Bank and did not get any positive response from her ( XXXX ). My account with Barclay Bank has always been paid on time and more than the minimum payment due! All my other credit accounts are always paid on time and with NO derogatory information on my credit reports! This practice of reducing ones credit limit for NO reason should be illegal and furthermore the bank NOT notifying the person of the reduction is WRONG! With Barclay Banks action this now may effect my credit score because with the reduction my balance is now 75 % of my credit usage on this credit card! I am XXXX and have NEVER had a credit limit reduced from any credit card company!
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

2017-02-08

La Tijera, CA

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

2017-02-08

Perry, GA

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

2017-02-08

Huntingtn Bch, 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

2017-02-08

Clermont, FL

Balance transfer

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

2017-02-06

Dania Beach, 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

Disputed: No Timely Response