BARCLAYS BANK DELAWARE

2016-08-30

Kansas City, MO

Disclosure verification of debt

Debt collection: I do not know

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

2016-08-30

Columbus, OH

Closing/Cancelling account

Credit card:

Complaint: Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card. At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active. Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment. In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account. I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.
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

2016-08-30

Airmont, 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

2016-08-30

East Brooklyn, CT

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-30

Phoenix, AZ

Transaction issue

Credit card:

Complaint: I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.
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

2016-08-30

Ocklawaha, FL

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

2016-08-29

Brooklyn, 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

2016-08-29

Bleecker, NY

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

2016-08-29

Titusville, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-29

Branson, MO

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-29

Succasunna, NJ

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

2016-08-29

Manassas, VA

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

2016-08-29

Wrentham, MA

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

2016-08-29

Roy, UT

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-29

Bridgewater, NC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-29

Saint Louis, MO

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2016-08-29

Providence, RI

Other

Credit card:

Complaint: Barclays will not remove old information on my credit report
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

2016-08-29

Clermont, FL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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

2016-08-29

Mankato, MN

Disclosure verification of debt

Debt collection: I do not know

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

2016-08-29

Worcester, MA

Forbearance / Workout plans

Credit card:

Complaint: Barclay Cards is not posting payments made by XXXX XXXX XXXX XXXX and the correct interest rate of 5.9 % and need to adjust the payments of {$98.00} on XX/XX/XXXX {$74.00} on XX/XX/XXXX and {$140.00} on XX/XX/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

2016-08-28

Gastonia, NC

Making/receiving payments, sending money

Bank account or service: Savings account

Complaint: Upromise, who is owned by Sallie Mae provides 1 % cash back on eligible purchases. We have submitted the last XXXX checks and have never received them. We have logged online and sent customer service multiple emails. We did not know who to contact Uppromise is operated by a Credit Card Company, Owned By SallieMae so we were unsure as to who to contact within your department.
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

2016-08-27

East Pembroke, MA

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

2016-08-27

PA

Billing disputes

Credit card:

Complaint: On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.
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

2016-08-26

Erwin Heights, NC

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
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

2016-08-26

Seattle, WA

Advertising and marketing

Credit card:

Complaint: I have never applied for card with monthly APR for purchases in my entire life. XX/XX/2016 I began looking for credit cards with 0 % APR for purchases and 0 % APR for balance transfers. I found this website, which I believed to be Barclays card offering for such a card : XXXX. I reviewed the terms and conditions for the XXXX XXXX card and found them acceptable. I accepted the terms and conditions, and saved them to my computer. I then began filling out the credit card application with my personal information on the XXXX website. I lost Internet access to the site in the middle of the application process and refreshed the web page. The refresh returned me to the XXXX where I had to start the application process all over. I selected what I thought to be the Cash Forward Card again, and clicked through the prompts until I had to enter my personal information again. I entered the required PII, submitted the application, and was accepted for a credit card for what I thought was a card with 0 % APR on purchases for the first 12 months. The card arrived in the mail a few weeks later in XX/XX/XXXX upon which time I called into Barclaycard customer service to confirm the terms and conditions. My primary concern was that the card offered 0 % APR on purchases. The customer service manager confirmed that I had a card with 0 % APR on purchases telling me that I would not be charged interest for any purchases for 12 months. He also advised me that the call was recorded. I proceeded to make purchases for nearly {$11000.00} over the course of the next few months. When I received the first credit card statement in mid-JuIy, I noticed that there was interest charged. I called Barclaycard customer service to inquire about the interest charge and they informed me that I had signed up for a card called the Arrival card, which only provides 0 % APR for balance transfers and not for purchases. I informed the manager, and numerous managers since on the phone that I did not sign up for the Arrival card, but rather the Cash Forward card with 0 % APR on purchases. I also told them of the previous call to the manager directly after I received the card and how he confirmed I had the card with no APR for the first 12 months. This second manager, ( ID XXXX ) told me that Barclaycard did not offer a card like that. If I could show him either an advertisement or terms and conditions with both 0 % APR for purchases and balance transfers then he would personally change my card to the card I believed I was selecting when I first began the process of applying for the Cash Forward. I promptly sent him screen shots of advertisement for the XXXX XXXX XXXX and the terms and conditions for it. He lied! While researching Barclaycard offers I also noticed that the Arrival card ( the card Barclay issued to me w/o my consent ) had an advertisement in bold print saying " Purchase and Balance Transfer Rate 0 % APR for 12 months, '' essentially promising the same exact terms and conditions as the XXXX Card so I sent him the screen shot of that also. I have also had conversations with another manager ( ID XXXX ). She told me that Barclaycard would honor its advertisements and switch me over to the card I requested. Barclaycard has not done this to date. Barclaycard has falsely advertised to me in order to trap me into paying interest on a card for which I did not willingly apply. Barclaycard has fraudulently opened a credit card in my name and has refused to change the card type to the type I requested from them. I have had to open other credit cards in order to transfer the Barclay balance thus tarnishing my credit. I request that your office investigate Barclay card for fraudulently advertising, deceptive enrollment 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