BARCLAYS BANK DELAWARE

2016-06-15

San Ramon, CA

Other

Credit card:

Complaint: I have a perfect payment history with Barclay Card and for months now, they put 10 business day holds on payments made for no reason. While on hold, they have my funds already cause it cleared my bank, yet they just sit on it for 10 days. This is beyond ridicuolous cause it effectively freezes any spending from happening.
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

2016-06-14

Bohemia, NY

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

2016-06-14

Palm Coast, FL

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

2016-06-14

Hon, HI

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

2016-06-14

Ambler, PA

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 monetary relief

Disputed: No Timely Response

2016-06-14

San Jacinto, CA

APR or interest rate

Credit card:

Complaint: My wife and I both opened a brand new BARCLAYCARD Rewards MasterCard after receiving promotion in the mail. We were both approved and took advantage of the 0 % into for the first XXXX months. We made sure the purchases were made within the XXXX days of acct. opening which we called to verify date. My wife saved her letter but I did not save mine as they were they same. Well she got her bill and they started charging her interest. They literally made her produce the paper which she did and I am attaching her. They made her mail the items in to " prove it '' no the case is getting settled and she will hopefully get all interest reimbursed and the promo for XXXX months. I just got my bill and would do the same thing however I only have the paper that she got not mine. I think they will try and weasle their way out of giving me my promo. so that is why i am filing this complaint. They are terrible in the way they bait and switch. They mentioned well you opened your account online, like something was wrong with that. I said right on the paper to do so with the personal ID code which we both did. I never ever would have opened a new credit card had it not been for this special promo.
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

2016-06-13

Hillsborough, NJ

Credit line increase/decrease

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

2016-06-13

Waco, TX

Arbitration

Credit card:

Complaint: Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... Is this legal?
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

2016-06-12

Brooklyn, NY

Rewards

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

2016-06-12

Cocoa, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have XXXX inquires on my credit report from Barclays Bank of Delaware. The dates of the request show XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These credit inquires were not authorized by me and I ask that they be removed Immediately as I did not authorize them and they are fraudulent inquires.
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

2016-06-12

Euclid, OH

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On XXXX/XXXX/2015, I was a victim of a case of extortion, coercion, and credit card fraud by the merchant XXXX XXXX XXXX XXXX while I was traveling abroad in XXXX, XXXX for the total amount of {$3900.00} which was made in XXXX separate transactions of {$1900.00} and {$1900.00} with XXXX separate credit cards on my Barclaycard Arrival Plus MasterCard and XXXX XXXX XXXX XXXX, respectively. After the incident, I called to report the transaction as fraudulent to both of the XXXX credit card companies and banks involved : XXXX XXXX ( for XXXX XXXX XXXX XXXX ) and Barclays Bank ( for Barclaycard Arrival Plus MasterCard ). Additionally, I filed a police report in my local jurisdiction for the incident. To my exasperation, the credit card companies refused to acknowledge the transaction as fraudulent, instead insisting it was merely a billing " dispute. '' As such, they did not investigate the case as fraud. Although a billing dispute did ensue with the merchant through the bank, ultimately I lost the case due to the merchant producing an alleged piece of evidence ( a copy of the signed receipt ), thereby closing the case in the favor of the merchant. I attempted to notify the banks that this piece of evidence was falsified by the merchant and pleaded my case that I never received the goods and services that were itemized on the receipt, to no avail. I am filing this official compliant with the CFPB today against Barclays Bank in particular. Not only because I maintain my claim as the victim in this case and of the falsified evidence used in the dispute, but also because I believe the banks wrongfully did not pursue my case as fraudulent, despite the fact that extortion/coercion is illegal and the transaction was a result of criminal activity. By demoting the incident to a mere dispute and refusing to classify it as a case of fraud, I believe I was treated unjustly and my rights as a consumer were not upheld. Therefore, I am requesting the credit card companies and banks involved to credit me the entire amount of the fraudulent transaction.
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

2016-06-12

Orchard Mines, IL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Complaint: I submitted an application to deposit {$4000.00} into a 12 month CD with Barclay 's bank. They requested XXXX # ; XXXX bill ; SS card. I sent all except SS card as I was unable to locate it ( I sent Medicare card as it showed SS # ) They then requested a copy of annual SS statement which I sent. They continued to stall for no reason I could understand, requesting SS card even after they asked for and received copy of SS letter. I have since deposited funds into XXXX other cds. I just thought someone should know there is obviously a reason for all the issues Barclay 's bank has been having with federal regulators, I assumed they would be more aware of new customers needs and be more customer conscious. I have emails supporting the above. Thank you for listening.
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

2016-06-10

Santa Monica, 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

2016-06-10

Santa Monica, 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 non-monetary relief

Disputed: No Timely Response

2016-06-10

Colbert, WA

Billing disputes

Credit card:

Complaint: This is a complaint against Barclay 's Bank Delaware ( XXXX XXXX XXXX and LLBean Visa Card ) for the failure to follow in good faith Fed. Res. Regulation Z 's credit card dispute prodcedures. On XXXX XXXX, 2016, I mailed by certified mail a letter claiming a billing error on my account statement for the period XXXX. The letter arrived on XXXX XXXX and was picked up on XXXX XXXX by an " Agent ''. In the complaint, I stated : " On my recent statement for the period of XXXX a single charge of {$99.00} is shown from " XXXX XXXX XXXX '' ( applicable page from statement attached ). This charge is unauthorized and I made no such charge. I called the number shown on the credit card statement. XXXX is the XXXX. I do have a XXXX subscription XXXX BUT I was told that my subscription is free and that they had no record of any {$99.00} charge to me. Since they had no record of the charge, they were unable to help me. Therefore, please remove the {$99.00} charge from my account. " My account no., name, address, etc. were all statement clearly in the letter. I believe the nature of my dispute was clearly stated and only required an investigation and response as required by Reg. Z. Today XXXX XXXX XXXX ) I received XXXX letters dated XXXX XXXX from XXXX XXXX about my dispute which I believe are identical. They XXXX say : 1. They need further information. 2. ''... and we attempted to contact you on XXXX XXXX, 2016. 3. " Since we have not received a response, we assume that you no longer wish to dispute the charge and we have closed out investigation '' 4. They tell me if I wish to continue the dispute to basically resubmit all the information I already submitted. I believe this is all contrary to the requirements of Regulation Z for several reasons : 1.I do not believe the need for additional information was made in good faith. I think my original statement was reasonably clear and only required contacting the merchant. I suspect that this request is made to " throw the ball back '' into the consumer 's court with the hope that the consumer will not respond so the card issuer can drop the dispute. 2. Even if you assume that this is not the case, XXXX XXXX said they tried to contact me on " XXXX XXXX ''. This predates my letter to them which was not mailed until XXXX XXXX. 3. Even if XXXX assume that the XXXX XXXX date was in error and XXXX XXXX meant XXXX XXXX, it sounds as if they attempted a single telephone call. I have no record of a call or any other follow-up communication for that matter. I do not think a single call attempt is all that is required XXXX. 4. Even if they did call on XXXX XXXX and did not get me, I believe that a reasonable next step is to write me ( as I was required to do to initiate the dispute ) and tell me specifically what further information they require -- not to drop the dispute and require me to start all over again. Over the years, I have experienced similar conduct from other card issuers about billing disputes. I hope the CFPB can not only rectify this complaint but can put a stop to what I believe are wider bad faith practices on the part of card issuers. 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: Yes Timely Response

2016-06-09

Vancouver, WA

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: Yes Timely Response

2016-06-09

Walden, CO

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

2016-06-09

Covington, WA

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: Yes Timely Response

2016-06-09

Black Rock, AR

Shopping for a loan or lease

Consumer Loan: Installment loan

Complaint: there is a hard inquiry on my report from a company called barclays bank delaware that i have never applied for credit or never heard of this item should be removed ASAP and there is something wrong when i try to sign in to file a dispute all the information on the page is all wrong i'v never had any of them accounts and it wo n't let me log in i want this fixed please it 's ALL THE WRONG INFORMATION ABOUT MY MY PAST
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

2016-06-09

Spring Hill, FL

Rewards

Credit card:

Complaint: My XXXX XXXX credit card with Barclay was closed by bank on XXXX/XXXX/16 without any explanation. However I had XXXX reward points accumulated from my previous purchases. I contacted Barclay to redeem my points, but they refused stating that my account was closed and I ca n't redeem any points. I have not violated any rules and I have earned my points according to all terms and conditions. It looks like bank is using these practice to annul points that customers earned.
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

2016-06-09

Show Low, AZ

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 monetary relief

Disputed: No Timely Response

2016-06-09

Penn, PA

Other

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

2016-06-08

Minneapolis, MN

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

2016-06-08

Warrenton, VA

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

2016-06-08

Saint Paul, MN

Rewards

Credit card:

Complaint: I signed up for a XXXX Extra Points Visa Card with barclaycard. I was informed that I would receive bonus points for my payment of my XXXX XXXX SBL ( Seat Builder License ). However, I just made my payment for that license on XXXX/XXXX/16 for {$4000.00}. However, the company did not aware me the correct bonus rewards as promised.
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