BARCLAYS BANK DELAWARE

2016-12-01

NY

Late fee

Credit card:

Complaint: I have a problem with a late charge. my due date was XXXX 2016.could not make payment online. I made my payment late XXXX XXXX over the phone with customer service. She waive the late charge because I was never late. But because the statement was generated in XXXX I made payment of my regular payment. Since XXXX I have called and customer service service would waived the late fee. I was given a min payment and pay that payment on time. But get a statement eve ever month even after calling and given a min payment. Barclay would still not correct the statement and I would be late because the sTATEMENT REFLECTS A DIFFERENT PAYMENT THAT WAS TOLD TO ME OVER THE PHONE. iT SEEMS TO ME EVERYTIME I WAS TOLD THEY TOOK THE LATE CHARGE OFF IT WAS PUT BACK ON BECAUSE THE STATEMENT DID NOT REFLECT WHAT WAS TOLD TO ME OVER THE PHONE. SO MY MIN PAYMENT IS HIGHER THEN IT SHOULD BE AND BARCLAY WO N'T FIX THE PROBLEM I WAS LATE ONCE ' DUE TO THEIR WEBSITE. BARCLAY IS NOT TAKING OFF THE THE LATE CHARGE AND NOT CREDITING THE STATEMENT CORRECTLY. THIS HAS TO LOOK INTO FOR FRAUD
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

2016-11-30

Elkhart, IN

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 monetary relief

Disputed: No Timely Response

2016-11-30

Brooklyn, 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

2016-11-30

San Jose, CA

APR or interest rate

Credit card:

Complaint: Hi I need to lodge a complaint against Barclays credit card. I paid my deferred remaining balance of {$75.00} on XXXX XXXX but on the XXXX XXXX statement, they charged me for deferred interest charges in the amount of {$220.00}. They said they reserve the right how to apply payments. I paid {$100.00} that covered the deferred remaining balance of {$75.00} on XXXX XXXX which was the due date. I can not afford to incur additional interest of {$220.00} as I paid everything related to that balance by the promotional time period. I think it is just unfair on my part that the bank is taking advantage of it and asking me to pay additional {$220.00} and that is why I am reaching out to you. The minimum payment due was {$39.00}. Thank you.
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

2016-11-29

Henderson, NV

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 monetary relief

Disputed: No Timely Response

2016-11-29

Ridley Park, PA

Billing disputes

Credit card:

Complaint: My credit card payment of {$250.00} via XXXX from XXXX to XXXX/Barclay Bank on XX/XX/2016 was " lost '' during transition from XXXX to Barclay after the account was bought by Barclay. Over the past XXXX ( yes, XXXX ) MONTHS I have called Barclay, XXXX, and XXXX no less than XXXX times, verified the XXXX XXXX times to Barclay via XXXX XXXX see attached ), spoken to XXXX managers at Barclay who each assured me it would be fixed, conducted XXXX conference calls between XXXX, Barclay, and myself, and spent countless hours on the phone and on hold with Barclay with no correction thus far. Over this time period, I have been charged late fees and additional interest fees several times. This error has also negatively impacted by credit scores. XXXX has done everything asked of them to verify this payment. Barclay bank has wasted countless hours of my time, overcharged me late fees and interest, negatively impacted by credit scores, and has yet to credit me the thrice verified payment. Barclay bank 's customer service department is unprofessional, unethical, and generally worthless at the managerial level. I am currently a XXXX XXXX XXXX submitting this form and now trying to correct this issue from 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: Yes Timely Response

2016-11-28

Manhattan, 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 monetary relief

Disputed: No Timely Response

2016-11-28

Manhattan, NY

Credit card protection / Debt protection

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

2016-11-28

Nashville, TN

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

2016-11-28

Brooklyn, NY

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

2016-11-28

Bloomington, MN

Customer service / Customer relations

Credit card:

Complaint: I filled a fraud dispute on my Barclaycard Arrival Plus account for " XX/XX/2015 XXXX XXXX XXXX XXXX '' Barclaycard did nothing about it, so I was left to go after the merchant myself and the merchant refunded the charge two weeks ago. However the credit went to the original card of the purchase ending XXXX which was reported lost and stolen due to the fraud dispute. I am asking this company to fix this issue and to apply the credit to the new account no, also waive all of the fees, interest charge associated with this transaction, and I want them to close this account beacuse I do n't want to do business with them anymore after they made me go thru this.
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

2016-11-28

Moscow, ID

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

2016-11-28

NC

Forbearance / Workout plans

Credit card:

Complaint: I have a credit card with Barclay Bank US. They will not agree to reduce the overall interest rate on the card and refuse to agree to partner with XXXX on a debt management program for me. They refuse on the basis that a very small balance of the total money owed is on a reduced interest rate although greater than XXXX % of the money owed is at a interest rate of greater than XXXX % on an annualized basis. When I try to call customer service to discuss the issue my call goes into a call center where I 'm told there is no one there who has the authority to negotiate with me. I then have asked how can I talk to someone who can, and I 'm told that no one knows. The amount total amount owed at this time is approximately {$21000.00}.
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

2016-11-27

San Gabriel, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

2016-11-27

Glen Burnie, MD

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

2016-11-27

Syringa, VA

Balance transfer

Credit card:

Complaint: I was offered several 0 % interest rate balance transfers with different expiration dates for each one. I have made monthly payments and when the first transfer was about to expire I paid it off. When the second transfer was about to expire I asked what the balance of the transfer would be. I was told a different amount than what I calculated. I was informed that they could not keep track of where my payments went and the company could apply the payments to any of the balance transfers. My issue is that the company is not honoring the expiration date on each of the transfers and is now charging me interest.
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

2016-11-25

Ridley Park, PA

Billing disputes

Credit card:

Complaint: I was a member of my airline rewards credit card since 2010. The card is financed through Barclaycard. When I unknowingly ordered counterfeit items from a fake website, I immediately called Barclaycard. I was told they could not stop the charge. Though I told them that the website was fraudulent, the customer service representative did not start an investigation into my complaint. Even after I requested that my card number be canceled on that same call, while the representative cancelled the card and issued a new card, interestingly the representative did not start an investigation into my complaint. I separately tried to request a refund from the fraudulent company, but because they were criminal counterfeiters, they gave me the run around. I eventually revisited the website, XXXX, and found that it had been shut down, and replaced by a notice of litigation from an international law firm. The law firm recommended that victims contact their credit card company for a refund. Having heard that my brother 's credit card company, XXXX, had immediately issued a credit to him for a similar purchase to the same website on the same day, I expected that, for sure, Barclaycard would do the same. To my surprise, not only had they not started an investigation into my previous complaint, but they refused to issue an immediate credit, a courtesy credit, or even a conditional credit, despite my repeated requests in response to their often repeated statements that I was a " valued customer ''. I was forced to speak to several individuals, each more robotic than the other in their responses to my request for a credit in this issue. Despite my giving details regarding the fraudulent website, the misrepresentation of products offered, the counterfeit products received, and the pending international lawsuit, none of the Barclaycard representatives looked into my request. Instead of applying a credit to my account, I was to speak to the " Investigations Department '', then the " Investigations Department '' told me to speak to the " Disputes Department '', then the " Disputes Department '' told me to send a written request for a review by the " Disputes Department ''. When I asked for a supervisor, the supervisor told me to file a " Dispute '' with the " Disputes Department '' who would investigate my request and decide if I should be issued a credit. When I expressed my extreme frustration, I was forwarded to another person and I requested a credit of the {$100.00} charge or a close of the account. Instead of issuing the credit, I was then transferred to a customer service representative who asked me to once again, for the third time today, explain my request. I recanted the same concern. To top it off, this representative, identified by number " XXXX '' told me that I did not understand. When I told the employee that as the VP of Compliance at my company, I not only understand policy, I also understand customer service and courtesy for a long-time, loyal customer. I then asked for the name of the Barclaycard Compliance Officer. Representative " XXXX '' did not know the answer to that question. He transferred me to his manager, " XXXX '' employee number " XXXX ''. XXXX also did not produce the Compliance Officer 's name or contact information. Instead, I called the " Office of the President '' where I spoke to " XXXX '' who confirmed my previous calls in their system, but did not check the XXXX website. Instead, " XXXX '' told me it was against the law to credit my account, even " provisionally ''. He misrepresented the law. This was a remarkably uncaring, non-courteous and disappointing interaction with Barclaycard. It was disturbing that no one knew who their " Compliance Officer '' was when I asked to speak with him or her. It was further disheartening when I asked for their ethics hotline there was no information shared with me. In the end, I had to cancel the car
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

2016-11-24

Algood, TN

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 monetary relief

Disputed: No Timely Response

2016-11-24

Gloucester City, NJ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.
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

2016-11-23

NY

Forbearance / Workout plans

Credit card:

Complaint: I contacted the company ( XXXX XXXX Confirmation # XXXX ) with the request below, but I was really surprised to hear that they would not be able to help me at all. Even though I was trying to do everything in my hands to keep the payments current on my obligations. I believe the lack of sympathy during a costumer 's hardship is proof that banking companies only care about profits. In addition, the company will not offer any help or assistance unlike other credit card companies that I contacted. " I am writing this letter to inform you that I have lost my job on XX/XX/2015, and I am having difficulty paying all of my debts each month. This is a temporary condition as I decided to improve my skills by going back to school to get the XXXX license. I suspect that I am going to have trouble paying my debts for the next year as I have depleted most of my savings in my school cost, licensing cost, and personal living expenditures. I want to do everything I can to keep my accounts current and stay out of collection. Therefore, I am requesting that the interest rate on my account be lowered significantly, and if I could make interest payments only for the next 6 months ( I should be working and financially stable again ) so that my monthly payment will be lowered, and I can continue making my monthly payments without defaulting. I believe that if we both work in good faith, we will save each other unnecessary financial harm and many costs by avoiding going into a reduced debt settlements or a time consuming debt negotiation. I would like this payment reduced As Soon As possible so that I can continue to pay all of my bills and living expenses on time and current in this time of economic hardship '' Then : I sent an email, and left a voice mail to XXXX XXXX, but they were not answered. I received the letter attached via USPS mail, but it is not addressing any of the matters. As per the letter, the bank is unwilling to do anything unless I default, which it is actually ludicrous. XXXX, XXXX, and other financial institutions have worked with me, and offered me financial solutions with lower APR and payments in order to avoid delinquency. The bank 's position should be consider predatory lending, and it should be look into closely by the CFPB. Please let me know if there is anything that the CFBP can do in this regards. Meanwhile, I am going to look for other options like filing separate complaints to the XXXX, FTC, the local and national Dept. of Consumer Affairs and NYS Attorney General to address this matters. Thank you so very much.
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

2016-11-23

Laguna Beach, 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

2016-11-22

Cleveland, OH

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

2016-11-22

MI

Billing disputes

Credit card:

Complaint: I have been a Barclay Credit Card holder since 2014. After reviewing my payment history I discovered that they were taking XXXX dollars a month for interest which only 10 percent of my payment was actually going towards paying down the balance. Their terms and agreement page is misleading and unclear.
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

2016-11-22

SC

Closing/Cancelling account

Credit card:

Complaint: On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from Barclaycard requesting that I contact them regarding my XXXX XXXX XXXX XXXX MasterCard account # XXXX. They stated that they had placed restrictions on my account. I had called Barclaycard about a week previously requesting a replacement card because I had accidently destroyed my current card thinking that it was a XXXX issued card which I had cancelled so I was surprised to receive their letter. An agent named XXXX who refused to give me his ID number or last name asked me many questions for 20 minutes, placing me on hold repeatedly while he checked with someone. I am almost XXXX XXXX XXXX and have a XXXX so this was tortuous. I found XXXX XXXX, bordering on rude. He demanded that I FAX to him at XXXX my Social Security card, drivers license, utility bill, passport, or birth certificate in order to verify my identity. I found this extremely invasive and did not want to risk identity theft or fraud ... but I did FAX Barclaycard a copy of my utility bill. Today XXXX XXXX, 2016, I received a call from a XXXX, ID # XXXX, who told me that our utility bill was not sufficient, that I must FAX my Social Security card, drivers license, passport, or birth certificate in order to verify my identity. I told her that I was not willing to do that, that I may be old, but I do not consider myself foolish nor would I risk sending such private identity information to a credit card company just to verify my existence. I had had enough. I asked that she transfer me to Barclaycard Customer Service so that I could cancel my credit card because I wanted nothing to do with Barclays Bank of Delaware ever again! She told me that she WOULD NOT transfer me to Barclaycard Customer Service and THAT I COULD NOT CANCEL MY CREDIT CARD ACCOUNT until she received copies of my Social Security card, drivers license, passport, or birth certificate. That is simply absurd. Barclaycard is holding me hostage ... indeed! I strongly protest! There are no charges or bills pending on my account and all past bills have been paid in full and on time. Can you please help me? Thank you very much. FAIR RESOLUTION : Allow me to close my XXXX XXXX XXXX XXXX MasterCard account # XXXX credit card account with Barclays Bank XXXX Delaware doing business as Barclaycard without prejudice and make certain that any and all credit reports show that my account was OPEN and IN GOOD STANDING, that all past bills have been paid in full and on time, that I requested the closing of my credit card account, and it was NOT closed at credit grantor 's request.
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

2016-11-22

Rncho Domingz, CA

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: Yes Timely Response