BARCLAYS BANK DELAWARE

2016-10-19

Blue Mound, TX

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

2016-10-19

Rochester, WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone fraudulently opened a credit card in my name and ordered an XXXX laptop. They had it sent to my house. I contacted XXXX right away and they said they would send me a return slip which they did and I used it and returned the laptop. The email and return slip looked legit but apparently they were n't and I sent the laptop to the perpetrator and XXXX never received it back. I sent proof of all this, which I will attach, to the credit card company ( BarClays ) but they are saying I benefitted from this and will not take it off my credit report. This is negatively affecting my credit. And I have not received one letter from them stating why they think I benefitted. I spoke to them on the phone and they said it was because XXXX did not receive the laptop back. If you can help me it would be much appreciated.
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

2016-10-19

Glendale, CO

Rewards

Credit card:

Complaint: When I first got my credit card I was told that if I spent a certain amount of money that I would receive air miles, but I never received them. I called the credit card company 7 months after opening the account and spending the certain amount of money ( within 90 days ) so that I could ask how much it would be every month to pay off my balance within the next 9-12 months. The credit card company referred me to their approved credit counseling services, which I still have to call but I am not wanting to after this experience. As soon as I asked the representative about my miles she looked into my account and told me that I had to contact XXXX. She kept me on hold and then transferred me where I waited on hold yet again for probably 15-20 minutes. Upon reaching XXXX I was told by the representative at XXXX that Barclay had to upload the miles in order for me to use them? It did not make sense because the Barclay representative told me that XXXX had to load them. I again waited on hold for 20-25 minutes and talking to the XXXX robot entering my sensitive information while the XXXX rep was on three way with me. Upon reaching Barclay I was informed by the second representative that a case had been filed. The frontier rep asked Barclay how long it would take to upload the miles and the Barclay rep said it would be uploaded after two billing cycles? Funny how they do n't tell you to call to get your miles uploaded and yet they also play this transfer of calls with their customers. The Barclay rep could have told me the info on the first call. I 'm paying this card off, using my miles and not using this card again.
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

2016-10-19

Indiahoma, OK

Billing statement

Credit card:

Complaint: I reported irregularities in interest charges and incorrect " payments received '' that Barclay labeled as " Purchases '' to the credit card company 2 months ago, as a result of seeing an error on my XXXX XXXX, 2016 billing statement. This tatemet erroneously states I made over {$1000.00} in purchases but does not show vendor. It also shows Barclay removing XXXX my payments made back in XXXX citing " the funds did n't go through ''. I notified my back XXXX, called a Barclay representative to conduct a 3way call on 3 different occasions to verify the validity of all my payments made and I am still being incorrectly charged, interest is being erroneously accrued, and all my statement balances from XXXX to present are incorrect. Please help me. I have the proof and Barclay is conducting illegal credit 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: No Timely Response

2016-10-18

Rocky Ridge, MD

Billing disputes

Credit card:

Complaint: About a month ago, my credit card was compromised which required me to get a new card with a new number, during this process Barclays Bank of Delaware declined XXXX recurring charges for my gym membership in the amount of {$17.00} two times for both my membership and my wife 's. A few days later, due to the payment being declined the gym submitted XXXX charges of {$42.00} ( {$17.00} membership fee + {$25.00} late fee ) which Barclays allowed to be charged to the cancelled card. I have been disputing the {$25.00} portion of the XXXX charges with Barclays as in my opinion this late fee was charged to me due to their actions.
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

2016-10-18

Patterson, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Good Sir/Ma, My wife and I went on a vacation to XXXX XXXX XXXX on arrival to the hotel, XXXX some ladies and gentlemen approached us, we thought they were the receptionist until they persuade us to come to a show that will be taking place the next day which was XXXX of XXXX, they forcefully collected {$40.00} from us and said it will be refunded on arrival for the show.On the fateful day we went to them and they gave us free ride to the place, They introduce the show as a XXXX show and asked for our means of identifications, we gave them our identity cards and our social security, they later asked for our credit card which I gave them mine because my wife was not with hers.later they offer us some food and drinks and advised us to travel through them to any vacation that it will save us a lot instead of going through XXXX or XXXX, before our departure, another man came and asked us to sign on a tablet computer for coming, we did without any comment, they gave us back our {$40.00} and our Identications card and social we left .After 3months in XXXX somebody called me to make a payment, i was confused I told him I do not understand what the payment is for, he said we sign a contract with them, I asked who are them, he said XXXX XXXX XXXX for Timeshare, i said no maybe is a wrong number, he caught my attention when he gave me all my information, there I realized that this people have fabricated my information to applied for credit card without my knowledge.I wrote a letter immediate to them telling them that I was not informed about it, but they said I signed, i said I signed for coming to the show and my wife signed too, so they did not tell us we are signing a contract let alone applying for a credit card for about {$2800.00} .I was adviced to call the bank which I did immediately, the bank said they will investigate it and get back to me, they said it will be sent to there fraud unit, later I realized the bank is still XXXX.I contacted a lawyer through legalshare XXXX to write on my behalf, he did wrote them but they ignore his plead.They started calling me for a vaction offer which i declined, telling them i am not there member and will appreciate it if they stop using my name for credit or any thing of sort, my income will not permit me for such luxuary.After that I ignore them and they gave me a deal of paying 40 % of the total money they claim I owe which was around {$1200.00}, i did not respond, finally I received a letter from SCHLEE & STILLMAN LLC that they are collection unit that a jugement was pass against me in favor of Barclays bank.I called Barclays bank to explain myself again but they said they can not do anything.This is a strong business deceptive sale tactics and we are not a party to it.They claim we said we are government employee and I earn {$XXXX}, but is a lie, my wife is a XXXX of XXXX why I work in a XXXX here in XXXX .I will be grateful if the matter is resolve because I do n't have money for such luxuary.No card credit card was sent to me or use by me, the fabricated the whole thing just because we signed for coming to the show not knowing it was a contract the man was just telling us to sign without telling us it was a contract, since it was on a tablet, we did not boarder to read it.Infact, I later realized they charged my credit card without my knowledge, i have to call my credit card company before it was refunded.We were mislead into a deceptive sales tactics by XXXX, they did not follow a good business practice.
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

2016-10-17

Irvine, 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 monetary relief

Disputed: No Timely Response

2016-10-17

CA

Transaction issue

Credit card:

Complaint: In XXXX 2016 I called Barclays to say I might need to dispute a charge on my Barclay Arrival credit card made by XXXX XXXX on XXXX/XXXX/16 because they were refusing to allow me to rebook a flight which they had agreed to let me reschedule for medical reasons. I told them If I were unable to resolve the matter I would file a dispute on my return. On XXXX XXXX I called to open the dispute and gave them all the information they requested. On XXXX they attempted to call me for additional information and when I did not answer they sent me a letter dated XXXX closing the dispute. I called again and spent an hour on the phone with XXXX going through the story in detail, and then on XXXX faxed them a written version. On XXXX XXXX as I was travelling again they sent another letter saying they were closing the dispute. When I called them upon returning from travel they said that it was too late to take any action on the account at that point. To my knowledge they never attempted to contact XXXX XXXX to resolve the issue. When I spoke with someone at the general customer service department she said they had received both my faxes and she did not see any reason for them to have closed the dispute since I had made timely responses, but that they are under great pressure to resolve disputes within 3 months so they close them automatically three months after the charge date, regardless of whether they have really been resolved in order to avoid being penalized.
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

2016-10-17

New York, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.
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

2016-10-15

Flanders, NY

Payoff process

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

2016-10-15

Saint Clair, MO

Billing disputes

Credit card:

Complaint: I am making monthly payments to a closed account because my final payment was credited to someone else ' account in error. I have called, faxed, and written. I have letters stating the error was corrected with apologies for any hardships. In error I am still being billed monthly for this account.
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

2016-10-15

Discovery Bay, CA

Rewards

Credit card:

Complaint: Hello CFPB : Would it be possible to re-open my complaint XXXX? It was prematurely closed despite my provision of further evidence to prove that the bank did not reward me with the correct number of points. The response provided by the bank was inaccurate. I 'm attaching the correspondence and documents to substantiate my claims. Thank you so much for your attention. Good day! XX/XX/XXXX/XX/XX/XXXX, I called Barclays XXXX XXXX to cancel my credit card to avoid the annual fee. The operator offered a retention package, which involved earning XXXX XXXX XXXX points after spending {$2500.00} for XXXX consecutive months. I signed up for it. After meeting the spend of {$2500.00} for 6 months ( XX/XX/XXXX-XX/XX/XXXX, to be sure to get the bonus, I even spent {$2500.00} XX/XX/XXXX ), I patiently waited for my bonus to post. In around XXXX, I called to inquire and operators had repeatedly told me to wait for the points to be credited. XX/XX/XXXX, I knew something was amiss when my points have not showed up in my account. I called again with operators dismissing my concerns and promising that the points will ultimately come through. After calling about 4-5 times, I had finally reached my threshold and requested to have my issue escalated. I spoke with a manager who vowed to review my case. I received a letter a few days afterwards informing me that I was not eligible for the bonus because I did not sign up for it. I was exceedingly disappointed because this was not the truth so I called again, this time requesting for all my previous calls and conversations to be reviewed. I am not sure if they reviewed the conversations but they responded again that I did not sign up for the offer. I felt that this was an extremely dishonest and fraudulent practice for this bank to lure me back into signing up for another year, with the promise of bonus miles and subsequently denying their offer. I called again and finally reached a sympathetic manager who listened to my complains. I conveyed that it defies logic for any customer to try to spend over {$2500.00} every single month for 6 months in a card that was initially about to be closed down. The bank ended up giving me XXXX as a consolation, instead of XXXX that they initially promised. After a few days, I was reading a blog that indicated the same exact circumstance has been happening to other consumers. Barclays has been offering this promotion to sustain customers but unable to stay true with their word. I initially did not want to complain but I think CFPB needs to be made aware of this unethical and unscrupulous behavior of this bank. I also would still want the other half of my missing XXXX bonus. Thank you so much for listening to my concerns.
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

2016-10-14

Ny City, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Barclay Bank of Delaware opened a fraudulent account in my name when someone applied for a credit card in my name using my information that was stolen when I was the victim of identity theft. I have notified Barclay that this was a fraudulent account and I provided them my police report where I reported the identity theft to the police, my identity theft affidavit, and other identifying information and I let them know this account was fraud. Barclay has refused to remove this fraudulent account from my name and social security number even though I complied with the FCRA and made them aware that it was fraud and provided the proper documentation. XXXX had deleted this fraudulent account from my credit report several years ago, but Barclay 's has asked XXXX to reinsert the fraudulent accounts Barclay 's is violating the law by continuing to report this fraudulent information against my name and social security number
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

2016-10-14

Lake Park, 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: No Timely Response

2016-10-13

Arco, CA

Credit card protection / Debt protection

Credit card:

Complaint: I was recently informed by my credit card company that a merchant I visited had a security breach and as a result, the credit card company would be issuing a new credit card for me to protect my account. However, when I requested the name of the merchant with the security breach, I was informed that information was private and could not be disclosed to me. As a consumer, I find it shocking that I am not allowed to know which merchant had a security breach and potentially exposed me to further security concerns though my credit card company is allowed to know. Thank you for your assistance.
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

2016-10-13

Ocklawaha, FL

Closing/Cancelling account

Credit card:

Complaint: I have been contacted by Barclayard Visa to advise that unless I use my card they will cancel the card. I have not used the card in a year, prior I made a large purchase paid several payments then paid off the card. If they cancel my card for not using it my credit score will be effected in a negative way. So in essence I have been told that I must make a purchase or my credit score will be altered, to me this is fraud. XXXX has used similar strong arm techniques.
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

2016-10-12

SD

Disclosure verification of debt

Debt collection: Credit card

Right to dispute notice not received
Complaint: XXXX XXXX XXXX is attempting to collect a debt that they purchased from Barclays Bank Delaware. I have never entered into a legal agreement with this debt collector.
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

2016-10-12

MA

Credit determination

Credit card:

Complaint: I applied for a credit card and received a letter asking for more information from their " security department. '' I sent in the requested documentation and have proof of receipt 10 days later. The company failed to contact me again about the status of my application. I called to inquire and was told they would have to run another credit report in order to approve my application because it was beyond 30 days since my initial application.
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

2016-10-12

NE

Billing disputes

Credit card:

Complaint: We had our credit cards stolen and reported the charges as fraudulent. One of the charges did not get taken off. We have called numerous times to fix the issue. The investigation department confirmed the fraud but we still have a negative rating that is affecting our credit score.
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

2016-10-12

Rochester, NY

Billing disputes

Credit card:

Complaint: I had disputed a XX/XX/XXXX merchant charge with Barclay 's. It was removed XX/XX/XXXX. They then added back the unauthorized charge to my balance XX/XX/XXXX causing my limit of {$4000.00} to soar to over {$7000.00}. They then closed my card without notification or offering me new terms ( Credit Card Act of XX/XX/XXXX ), and have inflated the amount owed with criminal added fees. To compound this insult, Barclays is misreporting every month as late - 30,60,90,120,150 days late. YET every date they reported late - I PAID. They have been ACH drafting monthly payments from my account. How can I be late on a date they are autopaying from my account? Not only are they misreporting ; the entire file is wrong. They show me as late, AND they show the amount I paid. How can I have no balance XX/XX/XXXX, but pay double the amount due in XX/XX/XXXX ( autopay ) and be late? They even drafted from the wrong account several times that caused me enormous overdraft fees. I have had every excuse imaginable to not rectify the situation. I had pristine payment history before they added it XX/XX/XXXX. As of XX/XX/XXXX I am still being marked late. I am now in an impossible situation. Their refusal to rectify the situation has caused irreparable damage to my credit and my livelihood. I lost a XXXX real estate deal because I could not qualify for the loan. They are monthly misreporting non payment from XX/XX/XXXX making that XXXX late payments. AND to add insult to injury ; they are reporting the {$7000.00} 'debt ', and have removed it from my total credit limit. The worst case scenario possible. Credit Debt {$14000.00} Total Credit {$7600.00}. They are essentially holding me hostage with a credit usage at XXXX %! I will never be able to have my XXXX score again. It will FOREVER be at XXXX unless I pay them this erroneous amount most of which is interest and fees. They 've updated the credit bureaus as dispute resoled, but as you can see there has been none. Barclays is ruining my life.
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

2016-10-12

Cocoa, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: BRCLYSBANKDE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you BRCLYSBANKDE or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BRCLYSBANKDE or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX, XXXX, 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: Yes Timely Response

2016-10-11

Lubbock, TX

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 explanation

Disputed: No Timely Response

2016-10-11

Spencer, MA

Deposits and withdrawals

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 monetary relief

Disputed: No Timely Response

2016-10-11

Matthews, NC

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

2016-10-11

Bohemia, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each time.
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