BARCLAYS BANK DELAWARE

2016-10-28

Naples, FL

Other

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: Yes Timely Response

2016-10-28

Orion Twp, MI

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: I want to apologize in advance for the length of this summary : On XXXX XXXX, 2016 at approx., XXXX This kind of treatment and discrimination is sick! I Ordered a XXXX through XXXX, was approved. Transferred to An XXXX representative to verify my identity. The representative from XXXX informed me I needed to confirm my identity through their security verification process. Fine understandable. I was presented with XXXX questions and answered every single verification question timely and accurately. The apple representative congratulated me for being approved through them. Was then forwarded to the Barclay 's security dept. for verification. A Barclay 's rep. named XXXX said it was their policy to also confirm identity with additional verification questions and once these questions were answered correctly I would have Barclay 's final approval. Note : I currently have a Barclay 's credit card in good standing. First, XXXX asked me for a few of the same information I had just answered with XXXX : Name, Social Security number, address, DOB, Phone Number. I answered every one timely and accurately. XXXX then placed me on a short hold to dig up more security questions, including but not limited to : current county I lived in, past County 's, person 's who lived with me. I was also given a list of questions with XXXX possible answers, previous cars I owned or leased and other questions only that logically only XXXX XXXX ( ME ) could possibly know and again I answered every single question timely and accurately. XXXX confirmed I answered them all correctly. However, for unknown reason 's, XXXX was not satisfied and continued to question my identity. Therefore, she informed me my application could not be approved until I provided them with my driver 's license ( Front and back ), utility bill, health insurance card, checking account statement and other documents. More surprisingly, she informed me that she was also restricting me current account with Barclay 's. and that until they received the information requested it would remain that way. I said to XXXX ; if your concluding I am not who I say I am and restricting an account I 've had with Barclay 's that is in good standing, then essentially, your concluding that prior credit card account is fraud, therefore I have no obligation to pay. XXXX denied this. I also informed XXXX I never fax or mail all these documents whereas anyone has access to them and could literally take over my identity ( Look what was just exposed with XXXX XXXX, which is NOT an isolated incident ). I did tell XXXX that I could walk into a branch with all the requested information and do a live verification. THIS IS BY FAR A MORE SECURE WAY AND MORE SURE WAY TO CONFIRM MY IDENTITY. However, incredibly XXXX said I could NOT do a live verification at a branch or anywhere else. She demanded I mailed sensitive documents to a PO BOX . REALLY? Are you kidding me. Please tell me in what world mailing highly personal documents is a more secure, convincing and dependable way to verify a persons identity than walking into a branch or police station? I informed XXXX that I believed she was discriminating against me because of my XXXX not fitting her description of a female. She denied this and said it was routine. XXXX! I asked her again if I answered every security question correctly, XXXX confirmed I did. What XXXX could have asked is my XXXX and I would have informed her I am a XXXX. I tried telling XXXX she would have to be on the liberal side to understand, but her mind was undeterred. I have spent my entire life dealing with my XXXX and the way society discriminates against me. Please see attached for full summary and documents
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

2016-10-28

Chicago, IL

Balance transfer

Credit card:

Complaint: I received convenience checks from Barclay Card US ( XXXX ) to complete a deposit into my checking account. At the time, the card the check was tied to had a {$0.00} balance and a {$7100.00} credit limit. Barclay Card returned the check and when I called them they said it was because they were having system issues. Then the representative changed the story and said it was because I wrote the check out to cash ( I did n't ). The check was not written out to cash, it was written to myself to deposit into my checking account to pay bills. I am now suffering a tremendous amount of overdraft fees due to their fake checks. Additionally, I receive these checks once a week. This means that once a week I have to shred these. This is predatory and should be stopped.
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

2016-10-27

Bristol, TN

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

2016-10-27

West Covina, CA

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

2016-10-27

Louisa, VA

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

2016-10-27

Amity Harbor, 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: Yes Timely Response

2016-10-27

New Hamburg, 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

2016-10-27

Cadwell, GA

Rewards

Credit card:

Complaint: On XXXX XXXX, 2016, I took a flight from XXXX to XXXX on Frontier Airlines. On the flight, I was offered a credit card application for Frontier Airlines. If approved, I would receive XXXX air miles and XXXX bonus miles after I paid the XXXX annual fee and made a purchase with my credit card. I received my card from Barclays Bank. The account open date was XXXX XXXX, 2016. On my statement from XXXX XXXX, 2016 to XXXX XXXX, 2016, I paid the annual fee of {$69.00} and made purchases of {$140.00}. I made a call to Frontier Airlines on XXXX XXXX, 2016 to find out why I had not received the XXXX miles. They said I would have to call Barclays Bank, which I did. I talked to a XXXX on XXXX XXXX, 2016, a woman on XXXX XXXX, 2016 ( I could n't understand her name ) and XXXX on XXXX XXXX, 2016. I was given a case number of XXXX. I was told that I had been given a temporary frequent flyer number and then a new frequent flyer number and they needed to merge the XXXX numbers. I called on XXXX XXXX and talked to XXXX and I was told that it should be corrected by Friday, XXXX XXXX. I called on XXXX XXXX and told XXXX that I wanted to talk to a supervisor about this and he put me on hold and never came back. I called back and got a representative that I could not understand. I asked to talk to a supervisor, she put me on hold and after five minutes on hold, I hung up.
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

2016-10-27

Norwalk, CA

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

2016-10-27

HI

Transaction issue

Credit card:

Complaint: On XX/XX/2016, I made a normal purchase on XXXX with my credit card as I have hundreds of times over the years. However, this time there was a problem with the way the charge was processed. With no warning or explanation to me, the purchase was processed as a cash advance, resulting in transaction fees and immediate interest charges, at a rate of 25.49 %. I first suspected the seller but had no immediate way of contacting him. So I called Barclay Bank customer service who told me that yes indeed, the seller was responsible for this. I went back into XXXX to cancel the purchase and again called Barclay to make sure that it was canceled. The rep informed me that everything was OK. The merchant had changed their " code '' and the transaction went through as a normal charge. There was no 'cash advance ' processed, no fees, no interest charges ; and yes, I would receive my miles. Today I noticed the seller had responded in an email saying that they did not process the purchase as a cash advance. XXXX was responsible. Curious, I went into my Barclay account online and saw that there was a indeed a 'cash advance ' processed with all the related fees and charges. I called them again only to be told that the conversation I had with a Barclay rep informing me that the transaction had gone through as a normal charge, had never happened. They claim to have no record of any such conversation. So, I called XXXX, who informed me that they had processed the purchase as a normal credit transaction ; and went on to say that only the card issuing bank had the option to process it as a 'cash advance '. Now because of the delay caused by the " no cash advance '' discussion, Barclay claims that I am forced to accept the purchase ( or return it at my expense if it ever arrives ) and I must pay all related bank fees. As the Barclay rep said before I hung up on her, " There is absolutely nothing we can do about 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

2016-10-27

AZ

Balance transfer

Credit card:

Complaint: I currently have a balance transfer offer on my account that should give me no interest until XXXX 2018. They stated that I could either transfer the money to my bank account on file or to another credit card. I took some time to ask about the details about the transfer and a few minutes later I attempted to take them up on their offer. In doing so, I was told by customer service that I could not take part in the offer becuase it had " just expired '' and was no longer available just after confirming that the offer was good until XXXX XXXX i was then told the only way to get this offer was to use promotional checks that I do not possess. I asked about these checks and ir was confirmed by customer service that there were none sent out for these offers. This is a simple " bait and swich '' scam and a deliberate attempt to NOT allow customers to take advantage of an advertised offer ; this needs to be investigated and criminal charges need to be filed.
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

2016-10-27

Miami, FL

Unsolicited issuance of credit card

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

2016-10-26

Rockaway Beach, NY

Unsolicited issuance of credit card

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

2016-10-26

Reno, NV

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

2016-10-26

Beaux Arts, WA

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

2016-10-26

Nyc, NY

Late fee

Credit card:

Complaint: I got a Mastercard with Barclay Bank, which offers mileage with XXXX XXXX. I misunderstood and believe I was misinformed about the credit card protecting against expiration of miles accumulated. Additionally, for one month I never received a bill and so ultimately paid the bill late. I excluded the penalty fee from my payment. I have tried to cancel the credit card and was told that I could not do this because the bill is not paid. For the past two months I have been charged a penalty because I have not paid anything towards the original penalty and so now as a result of penalties for prior unpaid penalties, the bill is now {$100.00}. I want to cancel this credit card and believe I should not be held responsible for the penalty. I am shocked that Barclay will not allow me to cancel the card and at least put a hold on further charges. My credit card account number is XXXX. Thanks very much for your help with this complaint.
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

2016-10-26

Glendale, CO

Credit card protection / Debt protection

Credit card:

Complaint: Barclays took over my XXXX XXXX card with XXXX points XX/XX/XXXX. From the moment the account transferred over I have not been able to open an online account, set up autopay, see my charges or pay my bill because their entire system is based on your social security number, and for some reason it takes 3-5 business days for them to record it. What is disturbing is that mine does n't work because someone else is using my social security number on their account. It has been over 7 months and Barclay 's still has not resolved the issue. I even faxed them a copy of my social security card, at their request, but no one ever confirmed they got it, it is just lost in their company somewhere. Because of this I can not open an online account. I have to call to check my charges, and call in to make a payment, first I have to go through a series of transfers and holds, it takes 45 min - 1 hr, my identity is questioned ad nauseam, then they finally realize the situation and offer to update my social security number, but the problem is they are not actually able to do this, there is some kind of glitch in their system, and they also can not reassure me that the other person using my social security number has been stopped, in fact they can verify as of tonight that the person is still using it. I ask them to put a stop to it, they say it will take 3-5 business days, and that they will call me back, but it never gets fixed and they never call back. I have to call them and go through the whole process all over again, this has happened 15 times in the last 7 months and there is no end in sight. They even charge me late fees while acknowledging that I can not pay without calling and wasting an hour of my time. Once they charged me the late fee after informing me that I was 10 minutes late calling, because it was based on Eastern Standard Time, even though neither of us was on the east coast. I asked to talk to a manager and was told there was no higher supervisor available, I asked for security and was told that security did n't take phone calls, but then another time I called I was transferred to security even though I did n't ask for it. One of the many managers I spoke to said the only thing I could do was write a letter to their headquarters through snail mail. There is more but I will stop here. At this point I am just going to pay it off and close the account. Their customer service is horrible and their lack of security and execution of tasks is downright frightening. They simply do n't know what they are doing and can not be trusted with money. They should be shut down before they do serious damage.
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

2016-10-25

Soquel, CA

Late fee

Credit card:

Complaint: I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.
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

2016-10-25

Los Angeles, CA

Closing/Cancelling account

Credit card:

Complaint: I opened a BarclayCard on XXXX XXXX to help rebuild my credit, after not having credit cards for a decade. During the first few weeks I signed up to their online system, and waited to receive information about my first payment. I charged some school expenses and I was ready to pay off 30 % in the first month. I never received my due date in the documentation or online. Finally, after calling several times ; my first payment was to be due on XXXX XXXX. I logged onto the website, entered my bank details and made my first payment. I received an email confirming the payment. A week later, I received a letter, not an email, ( the day my payment was due ) that my payment did n't go through and I needed to make a payment. I rushed to the computer and phone, and managed to make a payment over the phone minutes before it was due. I called again to confirm it was received, which it was. I received a payment confirmation. About a week later I received another letter ( not an email, although I had been receiving advertising emails from them ) that my payment did n't go through. I immediately logged on and called. From the website it said my account was not active. The person on the phone took my bank details, made a payment and said everything was fine, and that my next due date was XXXX XXXX. The next day I received a letter from Barclaycard saying after reviewing my credit report and because of my delinquency ( I assume with my first payment ) that my account was cancelled and to destroy my cards. And just today I received an {$5.00} starbucks card in the mail as a thank you. This company has a faulty online system that confirms payments even though they do n't go through, and their communications are confusing if not illegal. If I receive an email stating my payment was received, should n't I also receive an email saying they were not able to process it? Instead of a letter, which in the second instance took 8 days to show up. One might assume they are purposely making the process confusing as to incur more penalty payments from consumers. Notwithstanding the entire time I was receiving promotional emails from them. p.s. each time my payment was made there was plenty of funds in the bank account. The first time might have been a routing number issues on my part ( I have XXXX routing numbers, XXXX for wires and XXXX for checks ). However, the second payment I made on the phone to a representative. Both were confirmed with confirmation numbers on the top of the letters I 'm attaching.
Company Response: Closed with non-monetary relief

Disputed: No Timely Response

2016-10-25

Ridley Park, PA

Billing disputes

Credit card:

Complaint: I was redeeming rewards points for airline tickets under XXXX program and I was charged a {$150.00} fee for booking this travel within 21 days of the flight. At no time during the booking of the flight was I notified that there would be a charge for booking. I contacted them and they informed me that there was nothing they could do and if I failed to pay the charge they would report it on my credit report. I was also billed an additional {$22.00} for this transaction that was disclosed and agreed to.
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

2016-10-24

Kalamazoo, 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: Yes Timely Response

2016-10-24

CA

Transaction issue

Credit card:

Complaint: An unauthorized charge of {$2600.00} was executed on my credit card, and after several months of attempting to resolve the dispute with the credit card company, they refuse to reverse it.
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

2016-10-24

Chicago, IL

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

2016-10-24

Sebring, FL

APR or interest rate

Credit card:

Complaint: In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. XXXX XXXX XXXXXXXXXXXX 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