BARCLAYS BANK DELAWARE

2016-07-20

Leeton, UT

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

2016-07-20

Washington, DC

Billing disputes

Credit card:

Complaint: I attempted to contact Barclay 's Office of the President as indicated on XXXX website but no resolution was achieved from this. On XXXX XXXX, 2016 a charge of XXXX was posted to my account that I never authorized. I called Barclays on XXXX XXXX, 2016 to dispute the charge after attempting to resolve this with the merchant XXXX XXXX. I had never authorized the charge to begin with. I was provided case Id : XXXX XXXX I received a letter on XXXX XXXX saying the dispute had been overturned, and the reason was suppose to be attached. However the printouts given to me were completely illegible. I have taken a picture and attached it. If you can read the printout, I salute you. It stated if I did not agree with this decision I should call XXXX. I called that number on XXXX XXXX, 2016 at XXXX EST. The representative confirmed that the paper they did send me were illegible but her notes state that I canceled the service after the purchase and that is why the dispute was denied. I responded that I canceled their service because they sent me a case of wine that i never ordered and billed me for it. They also never sent me any notification that this was coming nor how much I would be charged. Therefore, I was n't interested in being a part of this club. However, that did not take away from the fact that I never agreed to the purchase nor did I authorize it. She said I could have the case reopened, but she can not do it over the phone ( all of this if your calls are recorded can be verified ). That i would need to send a message to have this reopened. She also suggest I contact the Purchase Protection team and try to use that benefit where companies do not accept returns. I called the purchase protection team and they denied the claim saying that wine is not covered under purchase protection. So I wrote to Barclays, and received a message that said they are unable to help me and I need to call the number mentioned above. The same number who said they ca n't help me and that I should write to them. I will not be a ping pong ball between departments! I have already done my share and called. I have reached out to purchase protection, I have written to Barclays team. XXXX of those XXXX should be able to resolve this. At the end of the day, I did not authorize the purchase, I worked with the merchant in good faith to come to a resolution, I expect my card to protect me and not make me jump through hundreds of hoops. The offie of the President called to say they would sign with the Business. Their argument is that it was a membership with Vinesse I agreed to and it was in the terms of reference upon sign up. I responded that the terms of reference included I would be notified prior to any shipment. In fact, I am suppose to be notified 7 days prior to any shipping and billing which the merchant did not do. So if Barclays are going to reference the terms of agreement from the business then it needs to be complete and not just the parts that suits them to not process the refund for the dispute. The representative said there was nothing they could do ignoring the part of the terms of agreement the business violated. SO they picked the part of the terms of agreement to suit the business and not the consumer. The agent said when I use my credit card " you are taking a risk '', I responded that Barclays ' advertises that I would be protected against such risks, it is the reason I pay an annual fee. So the dispute team only refunds the client in the merchants agrees to it, which is not actually protecting the client at all. I expect the transaction to be refunded and the annual fee to be reimbursed.
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

2016-07-19

Lomita, CA

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 non-monetary relief

Disputed: No Timely Response

2016-07-19

West Palm Bch, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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 non-monetary relief

Disputed: No Timely Response

2016-07-19

Newcastle, WA

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

2016-07-19

Queens, NY

Other

Credit card:

Complaint: One of the main reasons I applied for the BarclayCard was their Extended Protection Program -- a feature that doubles, up to one additional year, a manufacturer 's warranty on products purchased with their credit card. The first time I took advantage of this feature, XXXX/XXXX/XXXX, I faithfully submitted all required documents, as well as additional ones BarclayCard 's agent requested. The manufacturer 's warranty ( an XXXX Watch that the Genius Bar worker admitted had a manufacturer 's defect ) had expired two weeks prior to the watch partially disintegrating. BarclayCard denied the claim, and after I sent them a letter telling them to either pay the claim or close my account, they attempted to reimburse me by filing a false {$370.00} dispute for the date of the original purchase ( XXXX/XXXX/XXXX ). They filed this dispute without my knowledge or permission and damaged my reputation with XXXX. ( I am an XXXX with apps downloaded and sold in more than XXXX countries. ) I think you will understand my concern for this false dispute by the fact that an executive from XXXX XXXX 's office called me yesterday to discuss the matter. I want BarclayCard to honor their committment under their " Extended Protection Program '' and reimburse me {$210.00}, the cost of having the XXXX Watch repaired. I also insist that they write an apology letter to XXXX, stating that they, not me, incorrectly issued the dispute for the original purchase of {$370.00} on 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

2016-07-19

Bohemia, NY

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: There is a fraudulent charge on my account. I have spoken with my Carnival mastercard company about the issue numerous times. After months of answering every question and sending every document requested, the financial institution told me from XXXX different representatives that the case was closed and the funds would be credited back to my account. I never got a credit and when I called back they were very rude and acted like I had never spoken with them about the issue. I have each call documented with date and time, however, they refuse to check their notes to confirm.
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

2016-07-18

South Florida, FL

Rewards

Credit card:

Complaint: I signed up for the XXXX American Express card in early XXXX. Unfortunately, American Express blocked the access to my account after XXXX transferred XXXX credit cards from American Express to XXXX 's Bank in XXXX, so I am unable to provide exact dates. One of the terms of the American Express card was that I would earn XXXX bonus points on my first anniversary after spending {$1000.00} in the first three months. Unfortunately, my first anniversary with American Express coincided with XXXX 's transfer from American Express to XXXX 's Bank, and even though I spent more than {$1000.00} in the first three months of card membership with American Express, I never received those XXXX bonus points as promised. For several months now, I have sent e-mails, made telephone calls, and sent messages on the XXXX and XXXX XXXX Bank website to no avail. XXXX seems to have dropped the ball, even though the corporation has XXXX percent responsibility in this matter. It is not my fault that XXXX decided to part ways with American Express and transfer to XXXX with XXXX XXXX Bank. In fact, I never agreed to the transfer of my personal information from American Express to XXXX XXXX Bank and wonder if this is at all ethical. As far as I am concerned, I fulfilled the credit card terms and should have received my XXXX bonus points. Therefore, I will not pay any balance due that was transferred ( without my authorization or consent ) to XXXX XXXX Bank unless and until I receive the XXXX bonus points to which I am entitled. Please assist me in this matter. Thank you.
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

2016-07-18

Plattekill, NY

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 explanation

Disputed: No Timely Response

2016-07-17

Mount Holly, OH

Rewards

Credit card:

Complaint: Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/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

2016-07-17

FL

Billing disputes

Credit card:

Complaint: Barclaycard XXXX-Made a purchase with deferred interest 2 years ago. Made other purchase on the card also. Always paid above the minimum payment due. Barclaycard chose to apply any amount they want toward the deferred interest or non at all, Now 2 years later having paid them over {$5000.00} on the card they added {$730.00} in interest because of all the above minimum I paid only {$300.00} went toward the deferred interest. There statement does no specify how the payment above the minimum payment is allocated. I believe the amount of interest accumulating and the amount of my payment going toward the deferred purchase should be clearly stated on the statement. I believe this disceptive practice rises to the level of consumer fraud.
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

2016-07-17

Primm Springs, TN

Deposits and withdrawals

Bank account or service: Savings 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

2016-07-15

Severn, MD

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

2016-07-15

Jasper, AL

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

2016-07-15

Vacaville, 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

2016-07-15

Wilson, CT

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

2016-07-15

Colo Spgs, CO

Rewards

Credit card:

Complaint: Barclays Bank Delaware closed all my accounts without just reason. Indeed, they are allowed to close for no reason, under the cardmember agreement. However, credit card points accrued should not be forfeited without giving the customer ample time to redeem them.
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

2016-07-14

Washington Green, CT

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: Yes Timely Response

2016-07-14

Effingham, KS

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 non-monetary relief

Disputed: No Timely Response

2016-07-14

Stevenson, MD

Billing disputes

Credit card:

Complaint: On XXXX XXXX, I called my credit card company to get a payoff. I paid off the account per the amount that was told to me. On XXXX XXXX, I received a statement saying I owed money. I called, and they told me it was because I was only paying the minium amount that was due and it was because I paid it off after my due date. They would not waive the amount and keep telling me they can not do this and that I owe that money. Again, arguing, I called for a payoff on XXXX XXXX, the amount I paid is what I was told to payoff the 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

2016-07-13

Limerick, PA

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

2016-07-13

Providence, RI

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

2016-07-13

Manhattan, NY

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

2016-07-13

East Rockaway, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I went on a cruise in XXXX, 2014. Barclays Bank Delaware was marketing a Carnival Master Card. I applied and was approved. I never used the credit card. After learning there would be a processing fee, I immediately cancelled the card. All purchases incurred on the trip was paid from my debit card on another credit card. After sailing I never used the card and they charged off the account on XXXX XXXX, 2014 and claim that I owe them {$430.00}. I never used the card and why are they charging me {$430.00} for an account which should have a zero balanced.
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

2016-07-13

Wonder Lake, IL

Late fee

Credit card:

Complaint: For the last four months I have been hit with a late fee of XXXX on my due date which is the XXXX of each month. I have contacted the company and waived XXXX fee and stated that the are unable to waive another XXXX. I have had this card for 2 yrs now and I usally pay the balance in full on my due date.
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