BARCLAYS BANK DELAWARE

2016-11-04

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: Yes Timely Response

2016-11-04

Eagle, ID

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

2016-11-04

Ionia, IA

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

2016-11-04

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

2016-11-04

PA

Balance transfer

Credit card:

Complaint: I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) XXXX
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

2016-11-04

Portland, OR

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I work for XXXX. XXXX XXXX is a XXXX. Our client, XXXX XXXX, for whom I am serving as power of attorney, was a victim of financial fraud involving her Barclays Priceline credit card. XXXX and her son made a single purchase from XXXX in the amount of {$69.00}. When XXXX received her monthly statement from Barclays there were numerous XXXX charges. XXXX called Barclays and they reversed the charges and issued a new card. XXXX received her next months bill and there were more fraudulent charges from XXXX despite the fact that XXXX, nor her son, provided XXXX with the new card #. XXXX reported the charges to Barclays again and once more Barclays replaced XXXX 's card #. This process repeated and each time not XXXX, nor her family, provided XXXX any of the replacement card # 's. Again, only the very first charge from XXXX in the amount of {$69.00} was authorized by anybody in XXXX 's household. Eventually Barclays started to deny reimbursement of the fraudulent charges and gave various reasons depending on who XXXX spoke with at Barclays. XXXX has not experienced any fraudulent charges on any other accounts besides the Priceline Barclays account. Barclays has stated to myself, XXXX XXXX ( XXXX ), and XXXX that the replacement card # was given to XXXX by Barclays themselves since the XXXX charges were seen as recurring charges. Barclays automatically updates merchants with new card info if the charges are seen as recurring charges even if the charges are deemed fraudulent. XXXX hired a lawyer, XXXX XXXX XXXX who sent a letter and a check to Barclays in the amount of {$1500.00}. The letter stated that the check was to cover all of XXXX 's legitimate charges and that the check has a restrictive endorsement in that if Barclays accepts the check then the account is settled in full and instructed Barclays to close it. Barclays cashed the check and ignored the rest of the letter. Calls and letters from Barclays seemed to stop and XXXX assumed the matter was settled until she received notice that there was collection activity on her credit reports. She discovered it was for the remaining balance on her Barclays card. She has hired XXXX to handle this matter. I have spoken with Barclays on numerous occasions and have come to the conclusion that they are unable, unwilling, and incompetent in addressing our concerns. Each representative I speak with gives me conflicting information. If I ask for a manager ( at least in this department ) I can not wait on hold for one. Barclays requires I wait for a call back at an undetermined time. They do not leave a voicemail and they only call once. If I 'm away from my desk I have to call Barclays back and start the entire request to speak to a manager all over again. One manager, XXXX, reached me and he gave me case # XXXX and said if I called back I could be transferred to him using that case #. This has not been the case. XXXX also stated he was submitting all of the charges for reimbursement and that this was a final fix for the problem and that XXXX would not be liable for any of the charges and she would receive a letter stating such within just a few days. She has not. I called Barclays again and they stated that XXXX never stated such things and their notes do not reflect it. Barclays records their calls but they are not willing to review the conversations I had with him. Nobody at Barclays is able to communicate clearly or honestly, often following a script and responding to questions with answers that do not make sense. Our desired outcome is that all fraudulent charges are reversed and that be reflected on XXXX 's credit reports. I would also like Barclays to change their manager callback policy and address future XXXX claims properly.
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

2016-11-03

San Francisco, CA

Rewards

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

2016-11-03

New York, NY

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

2016-11-03

Cocoa, FL

Transaction issue

Credit card:

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

Disputed: No Timely Response

2016-11-03

VA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A credit card was opened using my credit information with a hard inquiry to my credit report with XXXX. I did not apply for the card. I received an alert from XXXX and discovered that the inquiry was from Barclays in Delaware. Then I received an email from Barclays congratulating me on choosing paperless billing for my new XXXX XXXX XXXX. I called Barclays security to report the fraudulent transaction. I told them that I did not apply for the card and asked them to close the account. They said that they would close the account and reverse the inquiry on my credit record. That was yesterday -XX/XX/2016. Today, XX/XX/2016, I received another email congratulating me on opening my new Barclays credit card. There have been no further alerts from 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

2016-11-03

Ocklawaha, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I received an email stating that I owe XXXX minimum payment on a Frontier Airline/Barclay card ending XXXX. I do n't have a card. When I called some rude people wanted me to provide all my personal information for a card I do n't have. This guy provided me an address in XXXX, FL which I do n't live in XXXX. I want this remove immediately from my credit and this card shut down, destroyed, etc. This is Fraud!!!
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

2016-11-02

Corona, NY

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt resulted from identity theft
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

2016-11-02

Wheaton, IL

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

2016-11-02

Kihei, HI

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: Yes Timely Response

2016-11-02

FL

Late fee

Credit card:

Complaint: Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late 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

2016-11-02

San Diego, CA

Deposits and withdrawals

Bank account or service: Savings account

Complaint: the bank is freezing my account with {$45000.00} and not giving me any explanation to the reasons why.
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

2016-11-01

East Rockaway, NY

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

2016-11-01

New Bedford, MA

Closing/Cancelling account

Credit card:

Complaint: I purchased a skin cream over the telephone-I received the product then the invoice on my XXXX Master Card-the next month I received the product again along with the bill-I called the XXXX and told them that I never ordered a XXXX order-I told them to not charge my CC any more-they continued to every month after they said they would not-I called the credit card co and explained that this was not an authorized charge-they said they would look in to it but could not prevent further charges-I said if that is the case cancel my card-they said they would but allowed more charges 3 months later-I even paid 1 month charges of product I did not receive just to get rid of the credit card-now they keep sending me statements with late fees and interest and are affecting my credit rating-can something be done about this.
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

2016-11-01

WY

Credit determination

Credit card:

Complaint: Received offer in mail. Called and applied on the phone. The person asked for first XXXX numbers of social sec. number and said I was approved. I asked a question the person could not answer and transferred me. This person then asked for the last XXXX digits of social, which I did not give. They could not answer my question and hung up on me. I called them back and told them I would report them. It was Barclaycard Mastercard, 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

2016-11-01

PA

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

2016-10-31

Account opening, closing, or management

Bank account or service: Checking account

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

2016-10-31

Ocean City, MD

Closing/Cancelling account

Credit card:

Complaint: My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.
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

2016-10-31

Dallas, TX

Billing disputes

Credit card:

Complaint: Barclays continue to post that I have a charge off account and my account is paid in full never a charge off. I do n't owe any money and company wont send me a payment history just keeps saying I owe them. XXXX XXXX XXXX XXXX BARCLAYS BANK DELAWARE Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account Number : XXXX ....
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

2016-10-30

Smyrna, SC

Billing disputes

Credit card:

Complaint: Barclaycard posted my payment to the wrong credit card XX/XX/2016. Subsequently, I have logged over XXXX phone calls totaling more than 29 hours to resolved this issue. Unfortunately, they posted the credit card payment to a business account. The credit card side and the business side are distinct entities who can not communicate to resolve the problem created by posting the payment to the wrong account. Barclaycard has reposted the payment to the wrong account several times subsequent to the initial mistake while charging me interest and penalties indicating that I had not pay the amount. I have been told my manager after manager that the problem was solved. Today I have spent more than one hour again because Barclaycard is attempting to recollect {$1000.00} that was previously paid. Today I was told by the manager that Barclaycard " did not have the time and resources to review all three affected credit card accounts nor the hours of phone calls logged. ''
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

2016-10-28

Coosada, AL

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