BARCLAYS BANK DELAWARE

2016-12-28

Marietta, GA

Billing statement

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

2016-12-28

AZ

Billing disputes

Credit card:

Complaint: I currently have a discrepancy of {$220.00} on my account. When you add up my current balance transfer and purchase balances, customer service states that I owe them more than I actually do. Every month I need to call in to customer service and speak to a manager to get my balance corrected. I am beginning to believe that the employees working for Barclay flunked out of grade school and are too stupid to know how to add and subtract. I have talked to several supervisions who have seem the error but refuse to fix the error and demand that I pay it.
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

2016-12-27

NY

APR or interest rate

Credit card:

Complaint: I had opened a Baclays Bank Visa card through an offer from XXXX in XXXX. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the XXXX rate is near XXXX and the mortgage rates are around 4 %. As a result, I am paying well over {$200.00} every month in interest and it hurts me financially. I spoke to the bank XXXX/XXXX/XXXX to lower the rate and they offered 18.4 % going forward and said that because the XXXX is raising rates, they have no flexibility to offer any other lower rates. I have XXXX XXXX and this is outrageous for a bank to do to a consumer. Please help me get a lower, reasonable rate of interest from this bank.
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

2016-12-26

Oxford, GA

Billing disputes

Credit card:

Complaint: Hi : I have a UPromise Master card which i used for a balance transfer on XX/XX/2016 for XXXX USD. Upromise made the balance transfer fine and i received money to my other account. But, they made another duplicate transaction to a not valid credit card and charged me XXXX $ for the balance transfer and XXXX $ for the transfer fee.
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

2016-12-26

Augusta, GA

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: While reviewing my credit report, I see a credit inquiry from barclaycard made on XXXX/XXXX/XXXX. I sent a letter to the bank on XXXX/XXXX/XXXX requesting that they remove the inquiry because it was NOT made by myself nor given the authorization to do so and also asking for documentation supporting this inquiry. I received a response on XXXX/XXXX/XXXX stating that it was submitted electronically online and that they verified that it was made by myself because the social security number, DOB, contact number and mailing address was correct but none of that information was providing showing that it was. I 'm XXXX sure that I did not inquiry about a credit account with this bank. With all the different kinds of identify fraud being used on computers. Anyone can try to obtain credit in someone else 's name especially in the event it 's not done in person with proof of them saying who they say they are. For a company not able to provide me with proof is very alarming and violates my Credit Reporting Act. Being that I 've been a victim of identify theft in the past, I 'm aware of my rights to receive this information but was not provided with any information.
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

2016-12-24

Rochdale, NY

Billing statement

Credit card:

Complaint: At the beginning of this year I pulled my credit report and I saw a closed credit account from Barclays Bank. But in my knowledge I never applied for any credit card from this bank. I never received a collection call. When I called their customer service they have advised me to make a payment of XXXX dollar for the settlement of the account as I told them this is not my account and I have never received any statements. Then the representative took my email addres, my home address and my phone number and processed a payment through my debit card. After that the representatives emailed me a bunch of card statements and a notice. But still to date that account shows on my credit report and is adversely affecting my credit score. I tried to talk to their collection agency several times but they never responded and advised me we are looking into the matter and months passed by but they never responded or gave me any advise what they are doing with this account which was not authorized by me.
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

2016-12-23

Apple Valley, MN

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 non-monetary relief

Disputed: No Timely Response

2016-12-23

Delray Beach, FL

Credit determination

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

2016-12-23

Arlington, VA

APR or interest rate

Credit card:

Complaint: My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.
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

2016-12-23

Hillsdale, NJ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
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

2016-12-23

Key Biscayne, FL

Credit determination

Credit card:

Complaint: I have a hard hit inquiry on my credit reports from BARCLAYS BANK DELAWARE. I do n't recall completing a form or request for credit from this institution.
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

2016-12-23

Cheshire, OR

Customer service / Customer relations

Credit card:

Complaint: I called XXXX by XXXX to tell them I lost my job, and to ask for assistance with payments while I find a job. The representative gave me numbers, all belonging to crooks. One being XXXX. They promised me they 'll help me, and proceeded to try to sell me stuff I do n't want. I spent 30 minutes with them, followed by a hang-up. This is incredibly unethical. I ca n't fathom how they can do this to people during 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

2016-12-22

Dover, NJ

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: Yes Timely Response

2016-12-22

Alameda, NM

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

2016-12-22

Miami, FL

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

2016-12-22

Brooklyn, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-12-22

Atlanta, GA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Barclays Bank has blocked access to my savings account with over {$40000.00} in cash deposited.
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

2016-12-22

Philadelphia, PA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Unknown suspect gained access to my personal information, then proceeded to make transactions on my Barclaycard. Between XX/XX/XXXX and XX/XX/XXXX, the culprit was able to charge several thousands dollars to my account and all were determined fraudulent by Barclaycard. XXXX charge for {$2200.00} was charged to my account on XX/XX/XXXX. I was not in my home state when the fraud occurred, but according to the merchant, the charge came from my home state. On XX/XX/XXXX I was told I needed to send in a police report. I sent in a report, the charge was removed from my account, and I received a letter on XX/XX/XXXX stating Barclay had found the {$2200.00} charge to be fraudulent. The charge was placed back on my account several weeks later. I recorded every Barclay phone call I made, and I have on record an XXXX stating Barclay did not accept handwritten police reports, and that I had sent in an " incident report '', which is why the charge was returned to my account. In PA an incident report is a police report. I was told I would have to obtain a " typed police report '' in order for the fraud claim to be approved. I sent in a typed investigation summary provided by the police. The charge was then removed from my account. Several days later the charge was returned to my account, and I was told that the report was invalid since it did not name Barclay as a compromised account. I explained to the XXXX assigned to my account that as I was dealing with identity theft, I had already filed a report for another card, but that the police had my Barclaycard bank statements and were waiting for any information Barclay could provide to aid in their investigation. I was told Barclay would n't contact the police until they received a typed report with itemized detailing of each fraudulent transaction. The police department refused to itemize or type as it is not their procedure, but include a summary of the total amount of related fraudulent transactions. I then had to purchase a copy of my new report and while waiting for it to arrive by mail, I called to request whatever information from the merchants Barclaycard had used to determine my fraud case. I have on record that the XXXX did not feel he needed any information from the merchants, and that he based his decision on my account history and the police report I sent in. I then contacted the merchant to see if I could obtain a signature, XXXX address or anything to give to the detective since Barclay would not immediately aid the police. The merchant said only my creditor could request this, but they did inform me the merchandise was purchased and signed for on a day when I can prove I was not in my home state and had no way of signing my name on any package. It also was not possible for anything to have been delivered to my billing address, which meant the package was delivered to a different address ( possibly the culprit 's ). I thought this was useful information but according to a phone call made on XX/XX/XXXX, the XXXX made no effort to follow up on this. I sent in a XXXX of XXXX and a Statement of XXXX, but I have the XXXX stating on record that someone compromising my account is not considered identity theft, and Barclay will not treat it as such. The XXXX also stated, " The bank wants an arrest in order to hold someone liable '', however his refusal to thoroughly investigate or request a simple signature makes me skeptical of this. I have made every effort to assist the police in finding the culprit, but the XXXX refused to contact the police and is holding me liable for a transaction I did not authorize or benefit from. I want nothing more than for the culprit to be arrested and held liable for every penny they stole from me, the bank, and the merchants, and any information Barclaycard could provide XXXX be helpful toward catching who did this.
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

2016-12-21

Bristol, CA

Disclosure verification of debt

Debt collection: I do not know

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 non-monetary relief

Disputed: No Timely Response

2016-12-21

New Rochelle, NY

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 explanation

Disputed: No Timely Response

2016-12-21

Vicksburg, MI

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

2016-12-21

Allingtown, CT

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

2016-12-21

Richland, NY

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

Disputed: No Timely Response

2016-12-21

Sacramento, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Lost my card and there was unauthorized charge of {$500.00} from XXXX. Issuer denied my claim due to similar charges I had on it before. I buy giftcards at XXXX every month and pay my bills every month. So why will I suddenly make a fraud claim for that charge?
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

2016-12-20

Rncho Domingz, CA

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: Yes Timely Response