BARCLAYS BANK DELAWARE

2016-12-20

Centerview, NC

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

2016-12-20

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

2016-12-20

Airmont, 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: No Timely Response

2016-12-20

Lancaster, PA

Other

Credit card:

Complaint: BarclayCard US is providing a concerning revelation on behalf of credit decisions requested. Based on previous inquiries and correspondence which they furnish through email AND vocally over the phone, they still send correspondence with secure information through the mail, when there is no need to do so in cases where XXXX copy of correspondence has been received either electronically or vocally over a phone line where they obtain permission via secure information handled by the receiving end of the phone line. This is a XXXX XXXX concern due to how prevalent " Hacking '' is these days. I am requesting a full investigation of this in addition to sequestered forms that are improperly sent based on the above analysis. Credit Card companies should be fully cooperative with modern technology and provide full disclosure regarding Credit Inquiry decisions and should only offer XXXX form of a decision for delivery, be it electronically, vocally, or through the mail. While mail is to be considered Secure, Credit Card companies should know better than to put Any form of identification that tags a partial Credit Card #, SSN, or Tax ID where unknowns are able to Steal, or mishandle the documentation should it fall into the wrong hands. I 'm pleading that this matter be taken seriously, as if the tables were reversed, I 'm sure the affected would have the same opinion. Nobody deserves to have their information stolen. If Credit Agencies would take the proper precautions in securing information, perhaps this would become less of an issue for many victims of fraud.
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

2016-12-20

Lubbock, TX

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 explanation

Disputed: No Timely Response

2016-12-20

Atlanta, GA

Transaction issue

Credit card:

Complaint: I have a Barclay Rewards card and after seeing my XXXX score stay the same for over 45 days with the negative impact of reflecting a balance due that been paid over 30 days ago .... i called BarClay and escalated to an Acct Mgr ( XXXX # XXXX ) who informed me that they only report 1 time a month to reflect our dealings ... I questioned why this was only done once a month, she referenced billing once a month, payment once a month. I asked if I could change my billing date to be due days before that monthly transmittal to secure my ability to pay the balance and have it reported in a timely manner.. She tells me this would change the reporting date, i questioned why ... She says that they report to the Bureau according to the billing date, not the date of payment due ... and it would change if we changed my due date ... It 's very arbitrary of Barclay to report only monthly, but even more arbitrary to report after a bill is sent ... not waiting to see if the payment is received before reporting to the Bureau. This is not a consumer friendly policy and subjects the consumer to false information on their credit rating via the company reporting policy ...
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

2016-12-19

Chester, 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 monetary relief

Disputed: Yes Timely Response

2016-12-19

Itasca, IL

APR or interest rate

Credit card:

Complaint: I have a Barclays Apple Visa card. I contacted Barclays via a website message to add a 0 % financing promo to my account because I was planning on making a large purchase for the holidays. I then followed up via telephone to make sure the promo was indeed added to my account. A copy of my website correspondence is attached. Despite this, when my purchases posted to the account, they were not placed on the promotional financing plan.
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

2016-12-19

Itasca, IL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XX/XX/2016, I submitted a written dispute which included an affidavit of unauthorized opening of accoutn in my name. I have been payinng on the bill since then because it has DRASTICALLY effected my credit score and I am trying to buy a home. However, I have received no response to my valid dispute. I beleive they have not responded because I have been making payments. I am just trying to not let this effect me any more than it already has.
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

2016-12-18

Portland, OR

Transaction issue

Credit card:

Complaint: Barclay Card falsely advertised a promotional rate for XXXX. purchases. On my first big purchase from XXXX a year earlier, they extended a zero percent interest rate for 18 months as advertised. What they did not tell me is that this promotion must be reactivated every time you make a purchase from XXXX, despite the fact that they do n't have any clear instructions on how to do this, and they do it automatically for you on the first purchase. Unlike other cards I own, they also capitalize on any amount in the account at closing immediately instead of the statement balance. That means if you have {$15.00} on the card the day before closing from an automatic payment they collect interest on it. This is a predatory card and Barclays has questionable business practices that intentionally try to trick the customer.
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

2016-12-18

NJ

Other

Credit card:

Complaint: Barclay Card switched my account to " paperless '' without authorization. I researched my inbox and see that I received an email on XX/XX/2016 saying I 'd been switched - I only found this after I discovered the problem today. They charged me {$27.00} as a late fee. I pay the bill in full every month and never carry a balance. I called to find out about this and told them to cancel the card. They make it very difficult to cancel ; transferring you to a different department, keeping you on hold for 10+ minutes prior to connecting and the rep trying 3 or 4 times to not let you cancel. Anyway this is a terrible treatment of customers and the practice should be stopped.
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

2016-12-17

Herndon, VA

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

2016-12-17

MA

Rewards

Credit card:

Complaint: On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.
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

2016-12-17

AZ

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: sent payment via XXXX ( sending copies ) XXXX over amount payment cleared XXXX on XX/XX/XXXX got e-mail XXXX/XXXX/2016 XXXX p.m. stating payment late. contacted cust. service. no help. re called asked for super. refused to help. they do this frequently XXXX reference XXXX pos XX/XX/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

2016-12-17

Ny City, NY

Transaction issue

Credit card:

Complaint: Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.
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

2016-12-16

Henderson, NV

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

2016-12-16

Corona, 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

2016-12-16

Glendale, CO

Advertising and marketing

Credit card:

Complaint: I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the 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

2016-12-16

Aldan, PA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have an inquiry from Barclay 's Bank Delaware that I never inquired about and it is effecting 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

2016-12-16

San Jose, CA

APR or interest rate

Credit card:

Complaint: I signed up for a Barclaycard credit card with a promotional offer of XXXX % interest for XXXX months on purchases and balance transfers. I did a balance transfer when I opened the account, on my first statement I noticed I was being charged XXXX % interest rate. I called on XX/XX/XXXX and spoke to a representative and got a case # XXXX, they took my information and told me my account would be adjusted to XXXX % interest for XXXX months and credited for interest accrued. Follow up emails to Barclaycard have replied back with conflicting information regarding my case and when it was started, with no resolution or date to resolve of this issue.
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

2016-12-16

Simi Valley, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been disputing XXXX fraudulent charges with Barclay card since XX/XX/XXXX. Initially, they refunded all of the charges and " opened an investigation ''. I was never contacted to provide additional information. In XXXX, they closed the case and put the charges back on my account. I was not aware of this until I checked my account in XXXX. I contacted them to complain that nobody had even contacted me. They reopened my disputes and told me I would receive paperwork containing the merchant 's reply in " 7 to 10 business days ''. It did not come. I contacted them again. The person I spoke to said no documentation had been requested and that she would request it but it would again take " 7 to 10 business days ''. I still have not received it. I called again today, was again told the paperwork would be requested again. I verified the mailing address. I was told yet again I need to wait another " 7 to 10 business days ''. This process with Barclay card has been a nightmare. When I call, I have to go through the entire story again, nobody ever gives me the same information, and they wo n't let me talk to the disputes department. They have not issued any temporary credits so additionally interest is accruing every day. They really need a better dispute resolution process. XXXX has already lied to the police about this situation so having my credit card company causing additional stress is extremely frustrating. Out of the XXXX initial disputes, XXXX remain open. They gave me new case number today which are, XXXX, XXXX, XXXX, & XXXX. The total of these claims is {$12000.00} I am attaching the story of the events that took place leading up to these disputes. An associate, XXXX, President of XXXX in XXXX, ultimately stole over {$40000.00} from me. I have an attorney and have retained a private investigator who specializes in white collar crimes. Based on information thus far, I will not be able to recover any of the funds from XXXX, but I am intending to press criminal charges. I would not have trusted this person without the introduction through a trusted source, XXXX 's extensive resume, and his association with " XXXX ''. Based on those references, I trusted someone I never should have. I resent the fact that I have to spend additional money on attorneys and a private investigator, not to mention the time it has taken me away from my business. In addition to the above claimed amount, I have not been able to recover {$10000.00} from XXXX and {$12000.00} that had been wired from my bank account. The transactions took place from XX/XX/2016 through XX/XX/2016. If you have any questions please do not hesitate to contact me.
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

2016-12-15

Dania, FL

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

2016-12-15

Ferryville, WI

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 monetary relief

Disputed: No Timely Response

2016-12-15

Henderson, NV

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

2016-12-15

Clay, MO

Billing disputes

Credit card:

Complaint: Thank you for being there. I called this afternoon o XXXX/XXXX/2016 about a problem I 'm having with a credit card. I called them on XXXX XXXX to make sure I had the correct amount I owed since I had a fraud issue on my accounts so bad that they wiped out both of my windows with all my info. My one computer is still being worked on. I called the credit card company twice to be sure the amount was correct so I could pay them in full have them send me a new card and start over fresh. I was told twice the same amount and paid it and got a conf. # that I was paid in full. Then I received a e-mail stating The amount was different and was told 3 different totals. I had transferred a card over to this on even the fraud case was still open Then the other credit card found in my favor and the info was sent to this card I 'm writing to you about. They told me I owed them for the XXXX article that I was found innocent of. I called the company that had the fraud in the beginning and they confirmed that that had paid it and I owed them nothing nor the card I 'm in dispute with. They are going to send me the info. to prove my case once again and she said it would take 10 to 12 days. I 'm sending that info to you so you can please stop all this. They have had me in tears. XXXX. Although most of the time I 'm at the XXXX. To me this is pure harassment and I can not deal with it any more and I truly believe they should have to pay me for what they have put me through. It is wrong I have done everything. Had info and proof faxed to them and this was never brought up until I was paying off the bill. Where I even called twice to make sure the amount was correct due to all the fraud. Being honest and this happens I 'm done and would like to see them get fined for the lack of experience they have and the treatment I was given. 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