BARCLAYS BANK DELAWARE

2019-08-28

Columbus, OH

Problem with a lender or other company charging your account

Checking or savings account: Savings account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Scottsdale, AZ

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't increase or decrease your credit limit
Complaint: I feel that Barclays is practicing unfair credit procedures when it comes to its consumers. I have no prior banking or credit relationship with Barclays and applied for a credit card, in which my credit profile was pulled and reviewed by Barclays. This was done in XX/XX/2019 and I was initially denied but approved after Barclays portfolio customer service reviewed my credit history and granted me a {$5000.00} credit line. At the time I was applying for other credit cards as well since my credit score was high and I had perfect payment history and I needed to build my credit portfolio for my needs. Does Barclays think that consumers are not aware of how Fico scores work? And since Barclays has been in the credit business for a while, they surely must be aware that reducing the credit line of consumers closes the gap on credit utilization, which hurts the consumers credit report. Barclays claims that they are concerned about my debt that was {$59.00} and now {$12000.00} and yet when initially denied me and then approved me for a credit line of {$5000.00}, there was no stipulation of any credit reduction based on new debt or new credit applications? Again I have to ask does Barclays really think that the US consumer is not going to be using credit cards to transfer high interest debt over to a 0 % interest credit card to benefit the consumer and the credit card being used, the consumer is more motivated to pay off debt and in the long run this helps the consumer with payment history and building credit business with those credit card companies. In researching Barclays, they seem to have a history of reducing credit lines of consumers, some for reasons ; others for no apparent reason. If Barclays was so concerned about my credit portfolio with them and my current debt and flagged me for being a risk, why did Barclays exacerbate the issue by increasing my credit utilization with them from 40 % to 86 % when they reduced my credit line? This reflects on credit scores and credit utilization with Fico score, by penalizing me with this false 86 % utilization and dropping my credit scores. This is an unfair credit practice that harms the consumer when the consumer has acted in good faith when applying for credit. Barclays is ignorant to the fact that I make {$70000.00} a year and have {$2000.00} in debt with them. Ive only had this credit account with them for 2 months, and now they have treated me as I cant make my payments or missed payments with them. No matter what Barclays reasoning is with my credit portfolio, they have harmed me by the unfair credit practice of reducing a credit line to increase my credit utilization and this will reflect on my future credit report. Under the Fair Credit Report ACT Barclays have failed to report Accurate Reporting as now the 3 credit bureaus will show a 86 % credit utilization instead of the 40 % it was before my credit line was reduced. Thus reducing my credit score and further exacerbating the false debt increase by reducing my available credit vs credit used utilization. I would not wish this type of treatment to any other consumer who has applied for credit with Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Chula Vista, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Im a victim of fraud charges and the responsible company for this incident is BARCLAYS BANK DELAWARE Account # XXXX, date open XX/XX/2014. Around 2 years back I went to XXXX for vacations. I rented a car in XXXX XXXX. The car had an accident and the insurance paid for it but the rental company ( XXXX ) still charged my cc from Barclays Bank. I disputed with Barclays bank the incident and Barclays Bank did reverse the charge but did not removed the fraudulent related account from my reports. So Im reporting this incident to the Consumer financial protection Bureau so that Barclays Bank removes the fraud related account from all 3 reports. Im attaching police report and Federal Trade Commission reports. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Lompoc, CA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Dickinson, TX

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: In early XXXX, my properly set up automated credit card payment didn't process with Barclay Bank Cards. They couldn't explain why, and billed me for a late charge and a double payment of {$200.00}. I called and allowed them to take that double payment and got them to reverse the late charge. I double-checked my automated payment setup and found it not in effect, so set it up again for $ XXXX/month 5 days before due date. Today, XX/XX/XXXX, when I didn't owe any payment at all, they collected {$200.00} out of my bank account. I called, and was told that there was nothing they could do, as I had apparently authorized it ... NOT IN THE LEAST TRUE!. I also hate talking to someone in a foreign country, never able to reach a supervisor. Now I have no idea how they'll hit me again or when. I paid {$410.00} in XX/XX/XXXX for an account with a minimum payment of {$96.00}!! I want the payment reversed. They are non-responsive and ripping off their customers. My plan is to transfer the balance and close the account, but can't do so yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-28

Christiana, DE

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-27

Harsens Is, MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I have a negative report in my Credit account data or Fico score from a Credit Card company known as Barclays Bank. Located in Delaware??? Phone number XXXX? They claim i owe them a balance of XXXX dollars on a limit of XXXX dollars? I also am suppose to submit them XXXX a month??? I do not have any Credit Cards from said company much less an account. I did have a lost Credit Card from XXXX XXXX which i immeditely reported to them. That issue has been resolved but some one may have used card to open up that Barclays account??? At any rate i have no idea who Barclys Bank is other than the info i got from another local bank when we were doing a refinance analysis. I have called them but never get a sraight answer or no one from Managementat said phone number? Meanwhile my score has gone from XXXX to XXXX as a result of them??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

Winton, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: Greetings, - I had an account with Barclays Credit Card since XX/XX/XXXX and my interest rate has been 22.24 % APR. - The account was in very good standing till 3 days ago. - I had never received my Barclays Credit Card Statement in mail as I usually do. - Bank Claims that they mailed it to me ( Their word against my word ). - I got a call from the Barclays Credit Card requesting a call and that the account was past due. - At point I immediately called l to Barclays Credit Card and made the payment XXXX. - I looked at the statement and found that I had a Past Due amount of {$65.00} statement ending XX/XX/XXXX - Furthermore, I talked to several people regarding this Interest issue in the chain and they must have updated the entry in the Barclays credit card account I have, and this is what I found. - 3 people out of the 4 I talked with XXXX XXXX, Missed the name of the next person and Manager XXXX ( I think that is her name ) all told me that my Barclays Credit Card Interest rate is 22.24 % DAILY. - I conformed with each of them and they each said 22.24 % daily. WoW there is a Training gap there. - Finally, I got XXXX who is also a manager, said the Barclays Credit Card Interest rate is 22.24 % per year not per day for may account. - XXXX was nice and understanding and tried to explain the math to me but still does not make logical sense. - I asked XXXX for a written break down and that could not be provided. - I understand the late fee, but what dont agree and understand is the Rip Off Interest of {$17.00} for a past due amount of {$65.00} - So, I did some simple math - {$65.00} Past due 30 days 22.24 % APR interest should be 22.24 % / 365 Days = 0.06093151 per day x 30 days = {$1.00} in interest till the next billing cycle - What I fail to understand that Barclays Credit Card charged me Interest on the amount that was waiting to be part of the next months statement still in process for this month. - I dont mind paying reasonable interest ( {$1.00} ~ {$3.00} ), but what they charged me {$17.00} - I feel there is some illegal activity going on and needs to be addressed. - Barclays Credit Card company can not charge interests on balances that are not come due till the billing cycle. - I am planning on paying off the card to avoid asinine, un-regulated and high Dollars in interst - I am requesting a full investigation on this issue and would like a call AFTER XXXX Pacific Time at XXXX from CFPB and the Barclays Credit Card Thanking you in advance for helping me with this issue. Mr. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-27

Melrose, FL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-27

New Bern, NC

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-26

Hialeah, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-26

Elsmere, DE

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-26

Downey, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-25

Hermitage, TN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-25

Ruskin, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

Cheverly, MD

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: I paid this account monthly, and I was never late. I have not charged anything to this years. I have been paying it down in order to close it out. The company closed the account which led to my credit score dropping tremendously. I called and inquired as to why they closed the account and I was told that it was because my debt to other companies was too high. My credit report will confirm that I have had an excellent payment history. During the Government shut down I missed a payment to another company which caused me to have one missed payment on my record for 34 years with this company. This had nothing to do with Barclay. I have no problems with Barclay closing the account. However it was closed in such a way that it negatively impacted 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

Timely Response

2019-08-24

Reno, NV

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: this document proves that barclays bank was removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-24

Key Biscayne, FL

Trouble using your card

Credit card or prepaid card: General-purpose credit card or charge card

Can't use card to make purchases
Complaint: I apply for a barclay financing Visa card I was told to call and finished processing my application so I call and they sent a pass code to my phone to verify my identity so I was approved when I received the card I try to activate it and was not able to activate the card and they told me I have to do another verification to send in documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Atl, GA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Orange, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Brooklyn, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Denver, CO

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-23

Mulino, OR

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: We purchased a prepaid cruise and tour of the XXXX XXXX through XXXX XXXX XXXX, using a Barclays bank Master Card for installment payments. When we arrived at the hotel in XXXX, on XX/XX/XXXX, the XXXX XXXX, we presented the same card for incidentals. Upon checkout, on XX/XX/XXXX, we were charged and have a receipt for XXXX euro in incidentals. We continued to use the card, a chip card, for the rest of the trip. After returning home, we see on our XXXX statement a charge for {$7300.00} on XX/XX/XXXX, from XXXX XXXX of XXXX XXXX. We have no idea who this is, or what the charge is for. When we reported this to XXXX, they took the charge off of our account, stopped the card, and issued a new card, and we thought all was well. Subsequently, we were contacted by XXXX and told that since the card remained in our possession, and that it was a chip card, that fraud was not possible, so we are liable for this charge. We have disputed this statement, since we have no idea what the charge is and did not authorize it, it is fraudulent. XXXX XXXX tells us that the merchant is in the hotel business, so there must be some connection to the hotel. After several go arounds with the XXXX fraud and dispute staff, including sending a letter XX/XX/XXXX recounting our story and disputing their denial of the claim, we received a call saying that they were standing by their position that no fraud occurred and that we were liable. Interest continues to accrue on this charge. I called them today and were told two things, that the case was closed, and that a new case was opened # XXXX to request proof from the merchant about the validity of the charge. I told them that I was planning to file a complaint with the CFPB, and they were OK with that. I was told that a manager would be getting back to me within 24-48 business hours. I hope that you are able to help with this matter. Its quite possible that we are not the only tourists who have been victimized in this way. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-23

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response