BARCLAYS BANK DELAWARE

2017-02-06

San Antonio, TX

Sale of account

Credit card:

Complaint: BARCLAYS BANK DELAWARE reporting to my credit file an account which 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

2017-02-06

Key Biscayne, FL

Rewards

Credit card:

Complaint: I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID 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

2017-02-06

Chester, NY

Closing/Cancelling account

Credit card:

Complaint: Bank closed my XXXX credit card accounts without any reason or anything negative that I have done. I have always paid my bills on time and in most cases I paid the bill in full by the due date. By closing my account I lost all the points that could have been redeemed for credit on my statement. I have been as customer for about 3 years. I started with a {$2000.00} credit line my line was at {$12000.00} at the moment as well as XXXX other credit lines XXXX for {$10000.00} and XXXX for {$2000.00}
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

2017-02-05

Loehmanns Plaza, 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

2017-02-04

San Diego, CA

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

2017-02-04

Jupiter, FL

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: BARCLAYS BANK DELAWARE has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe BARCLAYS BANK DELAWARE any alleged debt and would like them to provide proof of claim with authenticated verification. BARCLAYS BANK DELAWARE has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes. See Attach
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

2017-02-03

Discovery Bay, 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

2017-02-03

Houston, TX

Unsolicited issuance of credit card

Credit card:

Complaint: I 'm listed as an auth user on this account, I did n't request that. Would like to be 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

2017-02-03

Rumpus Ridge, SD

Billing disputes

Credit card:

Complaint: I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. 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

2017-02-03

Columbus, OH

Delinquent account

Credit card:

Complaint: This account has always been on autopay for minimum balance or higher to protect against late payments. Despite this, and despite my long history of being a good consumer with this bank, my credit report is erroneously showing late payments in XXXX XXXX and 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

2017-02-02

Oakland, FL

Credit line increase/decrease

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

2017-02-02

Sioux Falls, SD

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

2017-02-02

Cary, 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

Disputed: No Timely Response

2017-02-02

Manhattan, NY

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

2017-02-02

Long Beach, CA

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

Disputed: No Timely Response

2017-02-02

El Paso, TX

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

2017-02-02

Philadelphia, PA

Billing disputes

Credit card:

Complaint: I have continuously had terrible customer service with Barclay US. EVERY time i call they are unable to assist me, regardless of the problem. I have had a reoccurring charge from a software company that is under someone else 's name. I told this person I would no longer pay for this service after a certain date. Despite this, they signed up for a year service without my knowledge. Barclay is telling me to call the software company. The software company is telling me I am not authorized to cancel the account or make payment changes because it is not under my name. This is fraudulent. I never agreed to pay this and I am not able to cancel these charges.
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

2017-02-01

Chestertown, MD

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

2017-02-01

Charlotte, NC

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

Disputed: Yes Timely Response

2017-02-01

Trenton, NJ

APR or interest rate

Credit card:

Complaint: My husband and I attended a XXXX XXXX XXXX timeshare owner 's luncheon on XXXX/XXXX/16. We were presented the opportunity to apply for the XXXX XXXX XXXX Credit Card where we could earn statement credits toward Diamond transactions ( like the annual HOA fee ). We were told there was a special offer on the card for 0 % APR for the first 6 months billing cycles, then it would go to 15.24 % after that. We applied and were approved and given a " Credit Card Cardmember Account Summary Initial Disclosure '' with all terms and conditions including the 0 % APR for for six billing cycles and then 15.24 %. This printout is time stamped with XXXX/XXXX/16 XXXX ( attached ). I just reviewed our XXXX statement and realized there is no initial 0 % APR and the interest rate is listed as 15.49 % ; which does n't even match the initial disclosure we were given. In fact, the cash advance APR from the statement does n't match the disclosure either. We are still within the first six months of our billing cycles so no interest fees should be charged to us yet. We feel completely duped and a bait XXXX switch situation happened to draw us in to apply for the card and then we received a completely different product.
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

2017-02-01

Waipahu, HI

Billing disputes

Credit card:

Complaint: On XX/XX/XXXX, I tried to make reservations for a round trip from XXXX to XXXX utilizing my XXXX XXXX XXXX for a buy one full fare and get the second fare for half off. I was unsure of how to make the reservations so I called the XXXX customer service phone line. The custom service agent said to just to onto the XXXX website to make the reservations. After logging on the the XXXX website I made the reservations and paid but did not see any where on the webpage to get the discounted fare. I was charged for two full fares of {$690.00} each for a total of {$1300.00}. Upon realizing I was charged for two full fares instead of one half off, I immediately called back the XXXX customer service phone line again and this time the customer service agent told me that I had to make the reservations on my XXXX account. Due to the first XXXX customer service agent 's misinformation and being overcharged, I was told they would refund me the original two fares of {$1300.00}. I then logged onto my XXXX account and made the same reservations and this time I was charged correctly for one full fare and one half fare of {$690.00} and {$360.00} for a total of {$1000.00}. When I received my XXXX statement for billing period XX/XX/XXXX-XX/XX/XXXX, I was charged for 4 full fares of {$690.00} each and only credited for 2 full fares of {$690.00} each. I should have received credit for 2 full fares of {$690.00} each and half a fare of {$320.00}. I have written many letters to the XXXX and XXXX Customer Service Offices. XXXX did issue me a temporary credit of {$320.00} which would have taken care of the problem but then they reversed the credit stating the merchant already issued me a credit. I did not receive any credit from XXXX nor does any of my statements from XXXX show any extra credits. I am still waiting for a resolution to my problem. Also, I asked on many occasions that my credit card be cancelled and it has not been done yet and I was charged {$89.00} for the yearly fee.
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

2017-02-01

Anaheim, CA

Credit determination

Credit card:

Complaint: New complaint connected to a previous complaint about Barclays Bank and the UpPromise card : I need for Barclays to *remove the inquiry from my Credit Reports* because it has indeed affected my credit rating, which affects Jobs, Housing, and Credit. 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

2017-02-01

Discovery Bay, CA

Customer service / Customer relations

Credit card:

Complaint: On XX/XX/2017, I went online to obtain my credit score. My credit card company, BarclayCard, provides my credit score for free as part of my cardholder benefits. The online information showed my credit score as XXXX. They also provided a link to a 12-month history of my score, so I clicked on the link. The history showed my score over the last 12 months. What caught my eye was that my score had risen to a high of XXXX, and very soon after had fallen to XXXX. Then it went to XXXX and to the present score of XXXX. I wanted an explanation for the drop from XXXX to XXXX. The site said that if I had any questions about my FICO score, I should call XXXX, and it listed a phone number. On the XXXX, I also obtained my free annual credit report from XXXX. There was nothing negative in it, all my accounts showed as continually paid on time. Eight days later on XX/XX/XXXX I called XXXX at XXXX XXXX to see if someone could explain the sharp XXXX point drop in my score. Not only would n't they explain it, they claimed their records showed a current score different from XXXX ( but they would n't tell me what it was ), and they speculated that BarclayCard was using a different scoring model than XXXX does ( they mentioned XXXX ). They were denying that they even supplied the score that BarclayCard was displaying. So I asked to talk to someone who was aware of the apparent business relationship that existed between XXXX and BarclayCard, and they refused. They told me to go back to BarclayCard for any explanation of the score. So I called BarclayCard at XXXX XXXX to ask for an explanation of the XXXX point drop, and to verify who actually calculated the score I was seeing on the BarclayCard site , BarclayCard or XXXX. The BarclayCard Customer Service Rep. claimed they simply posted the information provided to them by XXXX, that BarclayCard DID NOT calculate the score themselves. And making sure to mention that they provided the score for FREE, there was nothing else they could tell me, and I would have to contact XXXX for any explanation of the score. In other words, BOTH organizations were claiming that the score was not calculated by them, it was the other guy, and go talk to the other company if I wanted any further explanation. I would like to know who calculates the score, and I would like an explanation that justifies a XXXX point drop in just one or two months without any negative data to support it.
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

2017-02-01

OH

Forbearance / Workout plans

Credit card:

Complaint: I fell behind on my payments to my Barclaycard credit card by over six months. I contacted Barclaycard to see if I could work out a payment plan on the account before it was forwarded to a collection agency. The account services agent that I spoke with said that I could set up a payment plan beginning with XXXX 'good faith ' payments of {$19.00} a month for three months. At that point they said that I could increase the minimum payment and my credit card would be reactivated and carry a current balance instead of a past-due balance. This was on XXXX XXXX, 2016. Within a few weeks I was contacted by a collection agency that informed me that Barclaycard sold my account to them to pursue collections. Since XXXX XXXX, Barclaycard has continued to charge my bank account $ XXXX monthly. I contacted Barclaycard three times and was told on each occasion that someone was working on my account and would get back to me. The collection agency that contacted me told me that there was nothing that could be done since the account had been sold off to them. The representatives from Barclaycard informed me that a mistake had been made and that my account should not have been sold off to the collection agency but they have not taken steps to rectify the situation. My bank account is still being charged and it seems to me that Barclaycard illegally sold my account in violation of an agreement that I entered into contract with them on.
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

2017-02-01

Cleveland, OH

Rewards

Credit card:

Complaint: In the past, Barclaycard Arrival Plus provides a sign up bonus of XXXX miles. This XXXX, Barclaycard advertised a " limited-time offer '' of XXXX miles sign up bonus, which attracted me and I applied for it on XX/XX/2016, with the offer of " XXXX bonus miles after spending {$3000.00} on purchases in the first 90 days, redeemable for a {$500.00} travel statement credit '' ( I 'm copying the wording from the current application page. they should be the same ). I completed the required {$3000.00} spending on XX/XX/XXXX and I see the bonus miles credited on XX/XX/XXXX. However on XX/XX/XXXX I noticed my card account closed and all miles removed, including the bonus miles and miles earned from spending. I called Barclaycard and they asked me to refer to the mail being sent to me. The reason given in the mail is " Too Many Inquiries In The Past 6 Months '' based on XXXX credit report. I then checked my XXXX credit report and I see only XXXX hard inquiry on it within the past 6 months, which is from the application of the Barclaycard credit card itself, and there 's even no new inquiry after the application and approval. I called again and argued about the closure and the reason. The agent did n't give much useful information and all they said is like " it 's because of too many inquiries on credit reports '' ( the same as the letter ) " it may also include new accounts on credit report '' ( not on the letter ) " you 're welcome to re-apply for it after some time but we do n't generally reopen accounts '' ( meaning that I ca n't get the previously-earned miles back ) " I can do nothing to the miles ''. I did n't have much time complaining about this at that time and decided to do it now. I checked the application landing page and it 's still advertising the XXXX offer and it 's still saying it 's for " limited-time '', but it has been there for 5 months. It looks as if Barclaycard is advertising some higher offer and push people to apply for it as soon as possible by stating it 's for " limited-time ''. After a user applied for it and earned the bonus miles by completing the spending requirements, they try to find some reason to close the account and remove all the miles, together with miles earned from organic spending, even with a reason that is not true according to the fact. When they 're called, the agents try to find more reasons for the closure and refuse to pay out the promised bonus by all means. I also applied for a Upromise credit card, issued by Barclaycard too, on the same day, with a statement credit bonus offer. I do n't remember the exact terms but the statement credit was never applied. I found an offer email in my mailbox, saying " {$100.00} Cash Back Bonus after first eligible use of the card within 90 days '' and I expect that it should be similar. I already put several purchases on that card but together with the Arrival Plus card mentioned above, this card is also closed, with the same ( false ) reason as the Arrival Plus one. The time of closure is just close the 90th day after application, while the statement credit is never posted as of now, persuming the system does n't issue bonus to closed account. Obviously, a posted statement credit is more difficult to " remove '' than some reward points. This even confirms my assumption of " closing accounts in order to avoid paying bonus. ''
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