BARCLAYS BANK DELAWARE

2016-05-31

Lewisville, TX

Rewards

Credit card:

Complaint: My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my 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

2016-05-31

Arlington, VA

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 non-monetary relief

Disputed: No Timely Response

2016-05-31

Rncho Domingz, CA

Unsolicited issuance of credit card

Credit card:

Complaint: I have received a credit card online from XXXX that I can not use it on it 's website, and had no way to cancel the card. The phone number on the back of the card does not reach a credit card company, it got to a company that sells cosmetic products. XXXX. And no matter how I tried I can not reach a person in the credit card company to cancel it.
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

2016-05-30

CA

Balance transfer

Credit card:

Complaint: I opened a new account with Barclay Bank XX/XX/2016. And I was offered a 0 % balance transfer offer. So I called in on XXXX XXXX and did a balance transfer over the phone to one of my XXXX XXXX cards. After 10 days had passed and nothing happened I called Barclay Bank to check on the balance transfer status and they started to ask me strange questions ; Like who I was paying? What I was using the money for and so on ... I told them I was just paying one of my XXXX XXXX cards. So they told me that they need to verify my identity and I was : Wait a minute you already know who I 'm. Barclay Bank already checked my identity when I opened the account and again when I requested a credit limit increase which they approved as well. So they told to send them documents ( Utility bills, copy of social, copy of driver 's license, etc ... ) to prove my identity. I then send twice the documents they requested and Barclay Bank is do n't want to honor the balance transfer. Every time I called in they are rude and give me all kinds of ridiculous excuses. I already send the documents twice and they still do n't want to honor the 0 % balance transfer. It seems to me that they are trying to pull some type of bait and switch deal on me. If all they wanted was to confirm my identity why do n't they ask me questions about my credit report just like any other bank. Why being rude to me and make me send documents when we have credit reports? If they are not so sure who I 'm why give me a credit card in the first place? It make no sense to me ... I would like Barclay Bank to honor the 0 % offer or please stop wasting my time.
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

2016-05-29

Hicksville, 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: No Timely Response

2016-05-29

Hicksville, 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

2016-05-29

Columbus, OH

Customer service / Customer relations

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

2016-05-27

Gladstone, MO

Customer service / Customer relations

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

2016-05-26

Colma, CA

Customer service / Customer relations

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

2016-05-26

RI

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I had a XXXX XXXX XXXX Card with a {$0.00} balance. XXXX apparently decided to switch their business to XXXX. I did not want a XXXX nor did I receive one. Several months later in XXXX 2016, I received a bill from XXXX XXXX for XXXX. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, XXXX XXXX did ( I recd no bill from them ) and then XXXX XXXX transferred the charge to their XXXX. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the {$40.00} ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported me to the credit agency. Not only that but they had once again charged me late fees and interest even though I did not have a new account number to send the {$40.00} to. Once again I called them and asked to speak to a supervisor -after telling me that they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the {$40.00}. I have now paid the $ XXXX however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. I want my fee refunded and my credit report cleansed. Thank you
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

2016-05-25

Cantonment, FL

Incorrect information on credit report

Credit reporting:

Information 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

2016-05-25

Bay Hills, NY

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: Yes Timely Response

2016-05-25

Discovery Bay, CA

Unsolicited issuance of credit card

Credit card:

Complaint: XXXX card was evidently discontinued and transitioned to Barclaycard XXXX. I received these notifications but declined the offer, did not respond and did not activate the BarclayCard. Unfortunately XXXX and BarclayCard took it upon themselves to open an account for me and pay a merchant, XXXX I had setup for an annual subscription with the XXXX card. My complaint is that I did not approve the transfer and opening of a XXXX account, did not approve that account ( with BarclayCard ) to pay anyone on my behalf. I have now had to spend my time ( time is $ ) to clean up this mess. Barclaycard sent me multitude of mailers that I promptly threw in the trash, again I DID NOT want to have their offered XXXX, and I made my choice by NOT accepting the offer. As I was unaware they had created an account and paid out on it, I ignored all mail from them and they continued to add charges and fees, and now want me to pay this vendor, that they chose to pay without my approval. My understanding of consumer credit is that an express permission/acceptance is required in order for a credit card company to actually open an account and accept/pay charges against it. When did it become legal to just transfer and open new accounts without my express permission? The merchant was XXXX I had setup some time ago, an annual subscription, and yes I had forgotten. However, it has been my experience that when I change cards/accounts or the card expires these merchants will contact me and ask for a new payment solution. This is what I expected when XXXX discontinued their card. I did not expect that some bank could just create a new account for me.
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

2016-05-25

Chadwick Bay, NY

Deposits and withdrawals

Bank account or service: Other bank product/service

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

2016-05-25

Philadelphia, PA

Credit line increase/decrease

Credit card:

Complaint: Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with them.
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

2016-05-25

Oxford, GA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.
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

2016-05-25

Palo Alto, CA

Billing statement

Credit card:

Complaint: I had a XXXX XXXX XXXX XXXX card, which was my primary credit card, XXXX now uses Barclays/Mastercard. Change over happened at the end of XXXX, XXXX and my XXXX Records vanished. I need my XXXX statements to do my XXXX tax return, they are unavailable for either company. I contacted Barclays in early XXXX ; they said they 'd send me hardcopies but not sign of them. I filed an extension, but I really would like to file.
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

2016-05-24

Bellingham, WA

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

2016-05-24

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

2016-05-24

Lb, CA

Rewards

Credit card:

Complaint: Barclaycard Bank just closed XXXX of my credit cards for no reason. I had accumulated rewards with them through spending and now it 's all gone. Specifically, I had a Barclay Arrivals card where I was supposed to get travel rewards and a Choice Privileges card where I was supposed to get a XXXX bonus points on {$10000.00} annual spending per year.
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

2016-05-24

Moapa, NV

Customer service / Customer relations

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

2016-05-24

Lb, CA

Rewards

Credit card:

Complaint: I just opened up a credit card with Barclaycard Bank. They did a hard pull on my credit report which negatively affected my XXXX score. I used the card and paid on time always. I did nothing wrong. They recently closed my account for no reason which again negatively affects my credit report because I will have a notation indicating that the credit was closed by the creditor.
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

2016-05-24

Seattle, WA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.
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

2016-05-24

Magnolia, TX

APR or interest rate

Credit card:

Complaint: I have very high interest on my credit cards and when calling the companies they never will lower my interest rate, yet when I call XXXX XXXX XXXX they can get lower interest rates. Why are these not available to the Consumer through the credit card companies rather than having to go through a Debt relief. I am paying all of my bills on time however the interest rates are so high I ca n't get them paid down. Every time I call, the companies say there is n't anything available. Why ca n't they offer a lower interest rate to consumers rather than having to go through a debit relief company which I do n't want to do. These rates were all raised in 2009 before Obama said no rate increases in interest. I was involved in Hurricane XXXX at that time evacuated to another location for 6 months and was still receiving my mail XXXX.so I missed some of the offers to not increase the interest rate. I feel that the consumer is not being treated fairly with not offering the consumer similar lower interest rates that a debt relief company can offer. Please help with this issue.
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

2016-05-24

San Diego, CA

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