BARCLAYS BANK DELAWARE

2019-08-07

Tupelo, MS

Improper use of your report

Credit card or prepaid card: General-purpose credit card or charge card

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-07

Milpitas, CA

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

Oaklevel, VA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: while my son was in the hospital from XXXX someone used my XXXX ( XXXX XXXX XXXX ) card number in another state. I was with my son in another city and my XXXXcard was in a XXXX at home. I received an email from XXXX telling me this. This card ended in XXXX. I was told they were stopping all charges on card ending in XXXX and sending me a new card. I never received the new card but did finally receive a bill for a card ending in XXXX ( the bill did not show the whole CC number so I couldn't enter it into the online banking acct ) with late fees on it. I have yet to receive any card from XXXX ending in XXXX. When I got the bill and called XXXX I was told the late fees would be removed and they would XXXX XXXX me a new card and to not pay the bill until I got a new bill. I received the new card ending in XXXX but have NEVER received a bill from XXXX with this credit card number on it or any bill at all except for the one with my balance as of XX/XX/19 ( this is the one with the late fee and the card number XXXX at the top ). So today I called XXXX and am being told I haven't paid my bill and I have a late fee of {$28.00}. I paid {$100.00} on XX/XX/19 for the last bill I received for card ending in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

Pasadena, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: I applied for an AAdvantage credit card issued by Barclays Bank Delaware and was declined. Their Notice of Adverse Action dated XX/XX/2019 noted that I was declined for the following reason, " Our records, indicate that a previous credit card that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance ''. Their letter further stated, " a credit bureau report was not used in making the determination ''. I was quite surprise by their decline as I have not filed a bankruptcy, or caused any lender a loss. Therefore, I ran credit on myself from the three credit reporting bureaus and all reported a Barclay Bank Delaware credit card as " Paid, closed / Never late '' ; so how could I have caused a " negative experience '' for them. So their internal records do not reconcile to their reporting to the credit bureaus. On XX/XX/2019 I responded to Barclay with a letter requesting clarification and a copy of the pertinent page from my XXXX report. It has been over 30 days and I have yet to hear back from Barclay. If I am being declined for credit based upon what I believe is faulty information. Barclays Bank Delaware should at the very minimum respond to my request for clarification given their " records '' are wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

Tibbs, MS

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I submitted a dispute letter directly to the Barclays Bank regarding a hard inquiry submitted in XX/XX/XXXX that is reflecting on my XXXX and XXXX credit reports that is unknown to me. I received a response letter from this creditor dated XX/XX/XXXX stating that the credit inquiry was the result of an application received via web for the XXXX card issued by Barclays Bank Delaware. I do not nor have I ever applied for a line of credit online with this Bank or any other institution nor have I ever had an account or credit card issued to me from this creditor. Nevertheless, it is still reflecting on my credit reports with XXXX and XXXX inaccurately. The final outcomes of the letter states " As a result, the inquiry is accurately reporting to the consumer reporting agencies '' which is false. I contacted the number listed on the letter regarding fraudulent activity on XX/XX/XXXX and spoke with a representative who was unable to locate a file on me. I would like for this matter to be looked into further and this inaccurate inquiry removed immediately. Thanking you in advance,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

Charlotte, NC

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-06

New Port Richey, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Five Points, NC

Problem with a credit reporting company's investigation into an existing problem

Payday loan, title loan, or personal loan: Personal line of credit

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I am submitting a new complaint in reference to the closed complaint # XXXX. Please refer to the above listed complaint number that has been closed for all of the information. I submitted feedback regarding this complaint and explained how this issue is not resolved as far as I'm concerned. I received a letter from XXXX XXXX ( Quality Manager ) on XX/XX/2019 ( Mr. XXXX CC 'd Consumer Financial Protection Bureau ) stating that the Barclays Consumer Lending Account ending in XXXX was established fraudulently. Barclays submitted a request to the lending agencies to have this loan removed from my account. I have verified that the loan has been removed from my credit report. The issue I have is Barclays will not give the XXXX Police Sergeant assigned to this case any information even after receiving the court ordered subpoenas that Barclays said they " needed ''. I was told multiple times by Mr. XXXX, a manager by the name of XXXX in the Fraud Investigation Dept and XXXX in the Barclay Security Dept. that in order to receive any information regarding the origination of this loan they would need a subpoena. Subpoenas were sent on XXXX. The Police Sergeant received a copy of the Consumer Loan Application Data ( this is the application information Mr. XXXX speaks about in his letter dated XX/XX/2019, cc 'd to the cfpb ) the exact same Application Data I received without a subpoena. Please note, had Barclays bothered to verify my Mothers Maiden Name, a HUGE RED FLAG would have been raised as the maiden name listed is not even close to her Maiden Name. I called and spoke with Mr. XXXX multiple times and he stated that Barclays has no other information to give. " Barclays has given all the information required by law ''. He claims Barclay did not keep images of the IP Address. I have spoken to my own personal loan manager at XXXX XXXX Bank and he said that every IP address, every keystroke is recorded and it never goes away. So, why will Barclays not comply with the subpoena? In my last conversation with Mr. XXXX he stated, " This loan has been removed from your credit report, we took care of you, what else do you want us to do '' I told Mr. XXXX, I want to pursue this identity thief and prosecute to the full extent of the law. Mr. XXXX stated in his XX/XX/XXXX letter that Barclays " customer service is very important to us. Though our servicing expectations were met, I regret that your expectations were not met ''. What Mr. XXXX fails to realize and others at Barclays bank is I'm not their customer, I'm their victim. My expectations have not been met. I have complied and I have done everything I was told to do and I still don't have a lead as to who stole my identity and received a XXXX $ loan in my name. I have a strong intuition that maybe a Barclays employee had their hand in this fraudulent loan and there is possibly a cover up? The person I suspect of stealing my identity is not a stranger to fraudulent card fraud, he has 10 XXXX Counts against him for Financial Card Fraud and is known for enlisting help within institutions to conduct his criminal activities. I have a right to any and all information regarding the origination of this loan. I want to know who stole my identity whether it's the person I suspect or someone else. It is unnerving to know that this was done to me and XXXX $ was given out so easily and freely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Atlanta, GA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: My name is XXXX XXXX. I am a new legal immigrant and I have had so much care about my credit score. Right now, I am in a tough situation with Barclay 's bank an unsolicited bank tied to a Jet Blue credit card. Being overseas, I was surprised that they sent to my XXXX card a balance transfer of {$1500.00} that I never requested. When I realized about it, I called to XXXX and Barclay 's requesting to revert this transaction. I don't know why XXXX instead to return {$1500.00} to Barclay 's, they deposited in my XXXX account {$1300.00} with no explanation. I though that it was the amount for selling my car. I came back to XXXX on XX/XX/XXXX and I was surprised with calls from Barclay 's asking for the {$1500.00}. In the meantime, I sent to Barclay 's two checks. One for {$700.00} paying my airline ticket and other purchases, putting the balance in zero. The other check was for {$810.00} that Barclay 's returned to me with another check, and my sister deposited in my XXXX bank account. I have asked to Barclay 's if you say that I owe you {$1500.00}, why you returned to me {$810.00} in a check? They did not answer me. This morning, I received a call from Barclay 's Fraud investigation, and the woman who talked said that it was no fraud, because finally I received the money. So far now, that I unraveled the money between XXXX, XXXX and Barclay 's, I accept that this money that I never requested was in my bank account. Unfortunately, it is not longer there. However, it was a fraud of someone on Barclay 's who obligated me to get this debt. I have to return to XXXX next week and I want to solve this situation fairly. If Barclay 's is so desperately willing that I owe them money, it is okay. But the only way, that I can accept it is just a sum of {$1500.00}, no interests, no any kind of additional fees. They are charging me now {$1600.00}. As they wanted a balance transfer, it is Ok. Balance transfer are with 24 months no interests. I will pay the {$1500.00} in 24 months with no interests. Attached you can see all the letters sent to Barclay 's and they ignored me. Just today they called, because in the last letter, I copied to the credit card Bureau of disputes. Please help me to get solved this situation before my trip. Sincerely, XXXX XXXX ( XXXX XXXX XXXX I authorized to talk with my sister XXXX XXXX, because my English is under construction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I received a solicitation online from Wyndham when setting up a hotel reservation. Said you'll get {$50.00} off the hotel room and a VISA card with Rewards issued by Barclays Bank.. So I got one and used it on a trip. They gave me a {$50.00} statement credit and I racked up nearly XXXX points on charges exceeding {$2500.00}. When I tried to redeem the points I went to the redemption site but it claimed I did not enter the correct info, my Wyndham Rewards Membership No., my email address and my ZIP. ( All of which were exactly as on my statement ). On XX/XX/XXXX I tried calling Barclays but they refer you to the ( outsourced ) Redemption outfit whose phone system said waits exceed one hour! The card looks like a scam. The Bank is responsible for its agent 's failure to perform under principal - agency law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

New York, NY

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Portland, OR

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

Evanston, IL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-05

La Honda, CA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information 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

Timely Response

2019-08-05

Blossom Valley, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-04

Caro, MI

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I applied for the XXXX XXXX Business Mastercard by Barclays Bank. I was approved with promotional terms stating " Spend XXXX dollar and pay annual fee '' and receive XXXX XXXX XXXX miles within 90 days. '' I have fulfilled those terms and they are refusing to reward the miles to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-08-04

Wrentham, MA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: In XXXX XXXX XXXX a collection agency at XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, formally sued me in court for a credit card debt ( this credit card was originally issued by Barclay 's Bank ) Both XXXX XXXX and Barclay 's Bank failed to notify me legal action had been taken against me. It was only after a lawsuit was filed in court was I notified by the court a hearing date had been assigned, and I was required to be present in court. I did appear in court and the Attorney XXXX XXXX sent to represent them ( back in XXXX ) was extremely confused about this case and the associated debt he asked for a continuance. He was unable to obtain the documentation I was requesting. I was hoping to speak with a Judge or anyone associated with the court to plead my case and tell them what XXXX XXXX and the numerous law firms and Attorney 's assigned to this case had been doing to me. After I was I made aware of this law suit ( by the court ) I immediately contacted XXXX XXXX and Barclay 's Bank in the hopes of reaching someone that had any information about this lawsuit and why I had been sued. XXXX XXXX told me multiple times they knew nothing about this case as my name did not appear in their system. I continued to call hoping to reach a Supervisor or Manager, but my telephone calls were placed on hold for extended periods of time only for XXXX XXXX to eventually disconnect my calls. I called Barclay 's Bank and they also told me my account was no longer in their system and they had no information with respect to what happened to my account. Taking a step back, XXXX XXXX filed papers with the court indicating I was served a court summons to appear in court by a Sheriff at my place of residence ; however, this is one hundred percent false. XXXX XXXX claims to have sent me additional paperwork which is also 100 % false. Despite my very best efforts, I received nothing in the way of communication from XXXX XXXX. In XXXX, I had requested to see the Sheriff 's summons and other proof of communication from XXXX XXXX regarding the legal action they took against me. They are unwilling and unable to provide proof of the court summons allegedly served by a Sheriff because this never happened and documentation from a Sheriff does exist. It is my opinion, this action never took place, and no such summons was ever created or delivered. I believe XXXX XXXX has misled the court in writing which is now permanent record. I was eventually sent a set of questions from the first of three law firms handling the case, which I responded to disputing the debt. I did this within thirty days as required. I informed XXXX XXXX ( and the court ) I completely disagreed with this debt and the amount of money XXXX XXXX claimed I owed them since Barclay 's Bank had charged off the account and Portfolio Associate somehow purchased the charged off account. After numerous requests, XXXX XXXX is not able to provide proof or substantiate the validity of this debt ( in terms of what they claim I owe after the bank took a charge off ) Further, they are unable and unwilling to provide me with detailed paperwork pertaining to the alleged individual charges they claim I made using the credit card in question issued by Barclay 's Bank. I do not know or understand how XXXX XXXX came to own this account as I was making timely payments to Barclay 's Bank as recently as XXXX. I was sued by XXXX XXXX in XXXX. I never once heard from Barclay 's Bank or XXXX XXXX via mail or any other method that they had intended to sue me ; therefore, I was completely denied the opportunity to respond. The case had originally been assigned to a Massachusetts Law firm that disbanded, and was shut down making it impossible for me to track down the Attorney that had sued me on behalf of Barclay 's Bank and XXXX XXXX. XXXX XXXX claims they own the account and Barclay 's has nothing to do with it now. Since that time the account has been handed off to numerous different law firms and multiple different Attorneys forcing me to start from scratch each time a court date is set. I keep trying to unwind this mess in order to understand why I am being sued and over what. I have tried my absolute best to navigate this situation, but since the law firms and Lawyers keep changing, I can't make any head way in terms of establishing and keeping communication with anyone regarding this law suit, which is fully underway. I can't stress enough, Barclay 's Bank and XXXX XXXX never communicated with me in any form whatsoever to inform me I was being sued in open court. On top of all of this, communication with the multiple law firms and the numerous Attorney 's XXXX XXXX has handed this case off to has been impossible. XXXX XXXX and Barclay 's Bank have stone-walled me. I have been informed XXXX XXXX is seeking a Judgment against me for 100 % of the debt, and will accept nothing less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-03

Boca Raton, FL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-02

Key Biscayne, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: This is an extension of Complaint XXXX. After Barclays failed to adequately address my concerns, I discussed with Barclays representatives that i would return the merchandise that was purchased. I was told by XXXX XXXX and two other employees of Barclays that i would receive a full refund of the exact amount I was charged without any exchange rate issue. These people were XXXX id # XXXX, XXXX XXXX id # XXXX and XXXX XXXX. In reliance of these three representatives, I returned the merchandise and was issued two receipts equal to the purchased amount in Euros. No restocking fee at all. However, Barclays, did not give me a full refund. The difference is nearly {$40.00} off from what was charged on my account. I want the full refund of my two charges as represented by these people. I am attaching receipts and screen shots of 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

Timely Response

2019-08-02

Tatum, NM

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account status incorrect
Complaint: My account with Barclaycard was charged off in XX/XX/2018. I was contacted by the company that bought the debt and started to make payments. In XXXX of this year I was unable to continue to make payments and notified the collection agency I had been working for and they stopped payments due to financial hardship. Last month I talked with a mortgage lender who stated I would need to settle the debt. Over a 5 day period I called Barclaycard in excess of 50 times trying to settle the debt. I was informed by Barclaycard that XXXX had my debt and that I needed to call them directly. I called them directly and they politely told me that Barclaycard recalled my debt on XXXX. When I called Barclaycard back I would be either transferred automatically to XXXX or I was told that Barclaycard couldnt help me because Their system showed that XXXX has the debt. Through a process of being passed through 3 levels of management I was connected with what I was told was the highest authority figure on the phone who stated that Barclaycard is unable to tell me who has my debt at this moment, and that they are not able to help me as it was charged off. They denied to put in writing or provide me with any way to know who has my debt. The managers name was XXXX operator number XXXX. He said repeatedly that he was unable to provide proof of who has my debt other than XXXX. He further instructed me to wait 30 to 60 days for the next company to get the debt. XXXX was unable to answer how he knew this when he couldnt verify to me that Barclaycard was in possession of my debt, and that it has been six months since XXXX had my debt as well. XXXX refused my request to attempt to pay my debt at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-02

Nyc, NY

Managing an account

Checking or savings account: Savings account

Problem accessing account
Complaint: I have been unable to access my Barclays online accounts despite entering in correct log-in information, including their one time PIN codes. I have tried to resolve the issue with Barclays but ended up on hold and no one picked up. I am not able to access my accounts or speak with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Orange, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Lakewood, NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-01

San Gabriel, CA

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

You never received your bill or did not know a payment was due
Complaint: In XXXX - XXXX of XXXX Barclays US did not send me my bill or statement. While I was left in the dark I missed 2 monthly payments and was 60 days late. This was not my fault as the company did nothing to contact me about a payment being due or even after I was late. I contacted Barclays US about this issue and they would not admit fault and would not take the late payment mark off my record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

RI

Problem with customer service

Money transfer, virtual currency, or money service: Debt settlement

Complaint: I had a credit card with Barclay. Barclay sold my credit card services to XXXX XXXX.I placed a 0 % balance transfer of {$1600.00}, on XX/XX/2019 wanting it to go to my balance on my XXXX card. The amount {$1600.00} went to Barclay instead of XXXX. On XX/XX/2019 Barclay cashed the check. They will not give me the money to pay my XXXX card. I do not get any help when calling Barclay customer service. They either hang up or transfered around with no help. Please Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response