BARCLAYS BANK DELAWARE

2016-03-31

Midlothian, VA

Rewards

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

2016-03-30

Ind Hbr Bch, 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 monetary relief

Disputed: No Timely Response

2016-03-30

Bicentennial, CA

Advertising and marketing

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

2016-03-30

Manhattan, NY

Balance transfer

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

2016-03-30

Bowie, 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 explanation

Disputed: No Timely Response

2016-03-30

Tarzana, CA

APR or interest rate

Credit card:

Complaint: At Issue : My Barclays USA XXXX Platinum Credit Card : Barclay 's unwillingness to provide a detailed, factual and supportable reason for declining to reduce my APR on my card. I requested an interest APR reduction rate today XXXX/XXXX/2016 on my credit card. Barclay 's declined without providing a detailed, supportable or factual explanation for the decline. Currently the rate is XXXX. Barclay 's competitors, XXXX, XXXX, XXXX, XXXX, XXXX all have reduced my rate upon request down to 14-15 % APR variable based on prime rate. I have an eleven year flawless payment history with Barclay on my XXXX Credit Card. I am have always been in good standing with Barclays. I have a significant salary, flawless credit payment history with all creditors, no bankruptcies, no tax liens, no derrogatories, no late payments ever on with any creditor, nothing but pure responsibility with my more than 35 year credit history. I do, however, utilize my available credit at more than XXXX %. My credit utilization has not deterred other competitors of Barclay 's from reducing my rate based upon customer loyalty, tenure, excellent and flawless payment history etc. The questions is why is Barclay 's secretive about the factual reason for not honoring my request for a reduced interest rate. Given all the fraud Barclay 's has engaged and been fined for lately. It is difficult to understand Barclay 's position. Given my credit history performance, I am a much more creditable and credit worthy person than Barclay 's own risky performance. Yet, Barclay 's has NO factual explanation to provide me from its credit analyst 's Supervisor- XXXX XXXX other than " No lower Interest Rate is available ''. No detailed reasons why is available to me or their XXXX XXXX. The Analyst states " he can not offer what is not available '' based upon whatever proprietary digital tool they use to evaluate offers. I escalated as high as I could go to receive a detailed explanation. There is NO one available to speak with me or can answer the question. Why is Barclay 's refusing to reduce the interest rate as requested? Simply no explanation, or information is available to the Barclay 's Analyst, and consequently no information is available to me. Since the only negative is my credit utilization is high, it does n't make sense that no transparent reason is given for declining the interest rate reduction. Especially since other banks do not consider the credit utilization a deterrent from reducing my rate to 14-15 %. I am requesting that a detailed explanation be provided along with the evaluation criteria be transparent to me and consumers. I would like CFPB to obtain the answers, look into the practice, and investigate Barclay 's for discrimination based on race and demographics. As there is no reasonable explanation for Barclay 's decline for the interest rate reduction based upon my credit history. I am inclined to believe that an investigation should be pursued on whether Barclay is making consumers pay for its fraudulent activities and fines by failing to offer certain ethnic consumers interest rate reductions. Further, I believe there in an inherent unfairness to judging people and their credit risk solely based upon credit utilization. This practice unfairly and disproportionately disadvantages minorities, particularly XXXX. I further request this practice of harshly lowering credit scores by XXXX % for credit utilization for all consumers and especially for certain ethnicities ( XXXX ) be investigated as a systemic cause for denial of credit. While, I understand the bank has no obligation to reduce the APR rates upon request. I do however believe a detailed, transparent and factual explanation should be provided instead of a generic answer such as " No Interest rate reduction is available. '' to all consumers and in particular me on this issue.
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

2016-03-29

Bronx, 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

2016-03-29

Archer, WY

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

2016-03-29

FL

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: Yes Timely Response

2016-03-29

Silver Spring, MD

Billing disputes

Credit card:

Complaint: In XXXX XXXX, I set up payment arrangements with Barclays XXXX XXXX XXXX ( now AAdvantage ( R ) Aviator Red XXXX ( R ) ) ( XXXX ) to draft {$100.00} ( {$39.00} more than what was required ) on the XXXX of each month starting on XXXX XXXX, XXXX. The drafts have been successfully taken out since then. However, when I read my credit report it stated that I have late payments from XXXX on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. I called XXXX to inquire and talked to XXXX people XXXX supervisors and representatives in the customer care and collections department ), all of them said that they could not change my payment due date to the draft date. I asked them why the collections representative did not disclose that my payment due date XXXX XXXX of each month ) would not change to the draft due date XXXX XXXX of each month ). They replied they do n't know why it was n't disclosed and that they could n't change my payment due date from the XXXX to the XXXX of each month. I said my credit score is affected by AAdvantage ( R ) Aviator Red XXXX XXXX XXXX XXXX because they never told me that my payment due date would not change. After talking to XXXX more people that said the same thing ( they can not change my payment due date to my draft date ) I came up with a common sense conclusion, change my draft date to the XXXX of each month to make sure the funds are collected by the XXXX of each month. ) They were able to change my draft date but I am puzzled to know why they could n't change my payment due date. I am reporting AAdvantage ( R ) Aviator Red XXXX ( R ) ( XXXX ) for XXXX reasons. Firstly, XXXX took advantage of me setting up payment arrangements. They did not disclose to me that my payment due date XXXX the XXXX of every month XXXX would remain the same even though I asked the representative to change my payment/draft date to the XXXX of each month XXXX when I receive pay ). Secondly, I am also reporting XXXX because they are responsible for the penalties of the late payments on my credit report. The first representative admitted that it was the fault of AAARM because they did not change my payment due date. Thirdly, I am reporting XXXX because I find it inconsiderate and incompetent that AAARM can not change a payment due date on a consumers credit card. I have XXXX alternate credit cards in which I pay on time and at least twice a month to pay more on my cards. All of these cards are considerate enough to offer consumers a change due date option. It bewilders me that XXXX does not offer the same option. I ask the customer care and collections department to send me a letter admitting their fault to my late penalties on my credit report. After talking to XXXX representatives and XXXX supervisors, the last supervisor said he would have it faxed in a few hours. That few hours turned into 24 hours and a phone call from a manager that called me to make sure she could even fax the letter. After I was told I would receive a letter to send to the Credit Bureau within a few hours, I find myself retelling the story to a manager to see if she could write the letter for legal reasons. I am disappointed to know that I am taking the correct steps to pay a creditor only to find out they are irresponsibly taking my money monthly and affecting my credit score.
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

2016-03-29

OH

Billing disputes

Credit card:

Complaint: There was a charge to my account on XXXX/XXXX/16 I did not recognize so I called to report fraud. They closed my account and sent me a new card while they investigated. Then on XXXX/XXXX/16 there was another charge from the same merchant but on my new account? I found this out when I called them to follow up on the status of the first fraud charge. The amount was different than the first charge. The amount is reflected in my balance but is no where in my activity or on any of my statements. They can not explain why but assure me the charge is there. Again I told them I have not done business with this merchant and I want it removed. I was angry they even allowed the second charge and did not even notify me. And therefor what is the point of closing the account and giving me a new XXXX if the person committing the fraud can still charge the previous account and then it bounces to your new account. Their explanation was I must have signed up for something with monthly payments. Again I told them I did not. Next they closed my XXXX card and issued me a third XXXX. They gave me the number for the merchant and I called and spoke to a man. He said it was his business but he did not charge my account. He said if I can show him proof with a statement or activity he would gladly send me a money order. I called the credit card company again and they told me they ca n't print it and they have no idea why I ca n't see it or why it is not on my statement. So I ca n't go that route. Next they said they will need to start another fraud case and investigation for this new charge. At this point it has been 2 months and about ten phone calls around in a circle with a different person every time and the amount is still reflected in my balance. The last person I spoke with assured me they would take care of it and it would be XXXX5 business days. It has been XXXX now and I 'm fed up and very angry. I also wrote them a complaint letter and go no response.
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

2016-03-29

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

2016-03-28

Boston, MA

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

2016-03-28

TX

Advertising and marketing

Credit card:

Complaint: I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. Any help you could offer me would be greatly appreciated. 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

2016-03-28

TX

Payoff process

Credit card:

Complaint: I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.
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

2016-03-27

Cookeville, TN

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

2016-03-26

CO

Closing/Cancelling account

Credit card:

Complaint: My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises.
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

2016-03-26

CO

Closing/Cancelling account

Credit card:

Complaint: My Barclays XXXX XXXX was closed without any prior notice and without any reason whatsoever. When I called I was told that my heavy usage caused it to be closed. Barclays was being deceptive with their business practices in promoting a credit card with rewards and asking me to put all my spend on it to create more points and then shutting down my account with no prior notice and not allowing me to redeem my rewards. I believe that 's not the way to treat a costumer you lured in with false promises. I was doing normal spending and my account was closed because I share the same address as my husband which was the XXXX doing the heavy spending, how is that fair I ask?
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

2016-03-25

Springfield, MO

Incorrect information on credit report

Credit reporting:

Account status
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

2016-03-24

Nyc, NY

Advertising and marketing

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

2016-03-24

Hicksville, NY

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

2016-03-24

Sandy Hook, 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 monetary relief

Disputed: No Timely Response

2016-03-24

Berkeley, CA

Advertising and marketing

Credit card:

Complaint: For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. 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

2016-03-24

Grover Beach, CA

Advertising and marketing

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

2016-03-23

Grimsley, TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX XXXX from the office of the president for Barclaycard did reach out to me. However, she had left a voicemail and ever since then we have been playing phone tag. She also has n't paid attention to my request that I left in my voicemails. Because of my work schedule and the time zone difference, I had requested that she call me before XXXX. To me, that 's a small thing to ask. After each voicemail I left her, I ended up having to repeat myself as to what times would be best to contact me, and I had to leave a voicemail quickly as I was using my break time to respond to her. In my 2nd voicemail I left her I requested if we could communicate through email and I even provided her my email address. She responded to my email with a generic, robot-like response, only repeating what her office hours were and not at all like there was a human on the other end of that email. I have since again, left her a 3rd voicemail!, requesting her to either let me know if she could take care of my request which is to have my online account closed! That 's all I 'm asking for! I even told her to please pull the information regarding the communication via secure email that I sent to have it closed. XXXX reps told me that it had to stay open for 7 years and another said for 6 months. I have had multiple banks and all of them allowed me to easily close my online account. Why is barclay being SO DIFFICULT!! I do n't need anything regarding my online account services and wish to have it closed for my protection!! That 's all I 'm asking and it should n't be this difficult to get a response as to whether or not this can be done. XXXX XXXX shoud n't have had any problems figuring out what my issue was as I plainly listed it in my initial complaint. I 'm filing another complaint because of the way communication is being handled, the fact that she has n't bothered to really " listen '' to my voicemails, the fact that the email address she wrote me from was n't a direct email address to her and went directly to the call center email department and she did n't say that AT ALL in the email she sent. I 've just had enough. All I 'm asking for is to have my online account closed and I 'm not taking anymore time out of my work day to return her calls since she ca n't respect the time that I have available to talk.
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