BARCLAYS BANK DELAWARE

2016-08-16

Nampa, ID

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

2016-08-16

Penn Hills, PA

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

2016-08-16

Randolph, 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

2016-08-16

Groton, MA

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

2016-08-16

Leesburg, 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

2016-08-16

Kiryas Joel, 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

2016-08-16

Batesville, AR

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

2016-08-16

Lb, CA

Closing/Cancelling account

Credit card:

Complaint: I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.
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

2016-08-16

Clarksburg, WV

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

2016-08-15

Manchester Village, VT

Balance transfer fee

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

2016-08-15

Hazlehurst, GA

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: Yes Timely Response

2016-08-15

Los Angeles, CA

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

2016-08-15

Cane Creek, AR

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

2016-08-15

Eliz City, 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: Yes Timely Response

2016-08-13

Nyc, NY

Other

Credit card:

Complaint: This item, a hard inquiry on my credit report that was pulled on XXXX XXXX XXXX, is inaccurate because I already had a hard inquiry pulled on XXXX XXXX XXXX when I first applied for my credit card. I am requesting that the item be removed to correct the information. On XXXX XXXX XXXX I went onto the Barclays website to see about requesting a credit line increase. While going through the process of requesting an increase online, I was taken to a new webpage that said there was a system error and that my request could not go through. It told me to call customer service at XXXX to speak with customer service to request an increase over the phone. Because of this error, I did not try to submit another request and instead just wait to speak with customer service at a later time. After trying to read more information about the error issue, I learned that requesting a credit line increase may affect my credit score. Since I had just received a hard inquiry on my credit on XXXX XXXX, I decided to wait until Barclays increased my credit line on their own to not jeopardize my score. I 'm not sure if the error was a Barclays website error or perhaps an internet issue on my end, but I was and still am certain the request did not go through. I never received confirmation by email, phone, or mail that my request went through. I was also never informed of a decision. I later received a credit report alert that a hard inquiry was pulled and this is where I was notified that my credit was checked and apparently the request did go through on Barclays ' end. I tried emailing Barclays through my account message center and have also written numerous letters. In this time I have not received adequate help and a proper investigation was not done. I have been disputing this issue since XXXX XXXX. After writing another email in the message center, I called Barclays Bank to try and speak to a manager or supervisor. I spoke with a Barclays Bank manager named XXXX on XXXX XXXX XXXX at XXXX about this issue. XXXX explained that the request did go through on Barclays end however that Barclays ' policy is that typically when someone requests a credit line increase within 30 days of their account opening, that a hard inquiry is pulled. My account was opened XXXX XXXX and I tried to request an increase on XXXX XXXX. That 's over 30 days. According to their policy, this inquiry should therefore be removed. XXXX explained that as a manager he could n't retract a hard inquiry on someone 's credit report. He suggested I try writing to the credit bureaus and possibly try contacting the Federal Trade Commission. I have contacted both and so far have only received a response from XXXX, the credit bureau that has reported the unauthorized hard inquiry on XXXX XXXX. XXXX said I should contact Barclays, the creditor, about removing the inquiry as the creditor is the only one that can do that. In my last dispute letter to Barclays on XXXX XXXX, XXXX I enclosed a call detail record from XXXX XXXX so they could see I spoke with Barclays about this issue verbally. All written conversations are available in the message center and hopefully all mailed letters have been added to my account by their team. I have yet to hear back from them in regards to my last letter. However, I am aware it takes up to 30 days. I 'm not sending in a complaint about not hearing back from them. I am sending in a complaint because I have been fighting this issue for months and know they will continue to ignore their own policy and not remove the incorrect and unauthorized hard inquiry.
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

2016-08-13

Washington, DC

Other

Credit card:

Complaint: Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.
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

2016-08-12

Rehoboth Bch, DE

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

2016-08-12

Lewisville, TX

Rewards

Credit card:

Complaint: I received and activated Barclay Arrival Plus on XXXX XXXX 2016. I had a transaction on XXXX XXXX 2016 with posting date as XXXX XXXX. And today XXXX XXXX 2016 I just found out that I had to meet the required spending within 90 days from the " APPLICATION DATE '' but not the the date I received & activated the card. It took Barclay 2 weeks to mail me the card. But the rep would n't budge and stuck with application date XXXX XXXX and not the date I received the card. Perhaps next time for for future customers Barclay needs to overnight the card at no costs to customers so they have time to meet the required spending for the sign on bonus.
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

2016-08-12

Lynn, MA

Billing disputes

Credit card:

Complaint: barclay card, i had a charge on it that i told them i was disputing. i sent them all kinds of documents that showed i did not sign for the charge of {$2600.00}. because this charge brought me over the credit limit, i was paying {$200.00} a MONTH on INTEREST ONLY. i did this for over a year, finally while i kept telling them i did not sign for it, they would not straighten it out. i had perfect credit before i just could not pay this amount any more and told the credit bureau to close the account and put a memo on there that there was a charge i did not approve. but my credit has gone down to XXXX because of it. this has been a nightmare and no results. honestly, i do not feel this company is going to do anything either. but i am trying
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

2016-08-11

Wascott, WI

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

2016-08-11

West Newfield, ME

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
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

2016-08-11

PA

Late fee

Credit card:

Complaint: We were three days late in paying on our Barclaycard XXXX XXXX XXXX credit card, issued by Barclays Bank Delaware. We ordinarily pay the full balance each month, but we had been on vacation and our schedule was off, so we expected to be assessed some sort of late fee and/or interest. But I was shocked and disturbed to learn what must have been hidden in the fine print : on a total statement balance of {$26.00}, we were assessed a late fee of {$26.00}. This was so disturbing ( and confusing ) that we called to complain. The explanation from a supervisor : the late fee was SUPPOSED to be {$27.00}, but apparently the bank 's policy was to lower it for a smaller balance. When I noted that this was equivalent to charging us 100 percent interest for three days, the supervisor said he understood but that there was simply nothing he could do. In fact, I assume that we will also be assessed interest for the carried balance, so the ultimate cost of this will be more than the total balance. On an annualized-interest basis, that seems equivalent to charging us more than 10,000 %. I do n't know if this is legal, but it should n't be -- it 's an abhorrent, " gotcha '' charge of the worst sort.
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

2016-08-11

Colleyville, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
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

2016-08-10

Hollywood, 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

2016-08-10

Fenton, 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 monetary relief

Disputed: No Timely Response