BARCLAYS BANK DELAWARE

2016-03-23

Washington, DC

Advertising and marketing

Credit card:

Complaint: I signed up for the Barclay XXXX Card because it was advertised to me as having " no foreign transaction fees '' for purchases made abroad. This was represented to me in writing multiple times. However, I recently discovered that the card applies a " foreign currency fee '' for all transactions abroad, although this fee is hidden and is simply incorporated into the amount shown on my bill without any separate line item. I have documentation that I have been charged these fees by Barclay 's customer service and their absurd distinction between a " foreign transaction fee '' and " foreign currency fee ''. The whole reason I got this card was so I could use it abroad and now they 're charging me a fee for using it abroad despite multiple written assurances that XXXX of the benefits of this card was no foreign transaction fees. I have used this card for multiple years, on mutilple trips abroad, all the while paying these fees without knowing. Cumulatively, this 1 % fee has cost me over {$100.00}.
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

2016-03-22

Grand Prairie, TX

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: Yes Timely Response

2016-03-22

AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have contacted Barclays Bank Delaware on several occasions attempting to resolve my consumer complaint regarding their handling of my credit card dispute. I notified Barclay Bank on several occasions that I had no knowledge of a credit account that was showing as charged off on my credit report. they continued to report it as well as sold it to a 3rd party without initiating an investigation. In addition after reporting the account to them no less than 4 times as well as sending them written notification of dispute they continue to give the run around and extend the time of their investigation. I have requesting immediate resolution and have not received any such resolution. I continue to get the run around from Barclays Bank Delaware in my attempts to resolve this matter. The representative have cited incorrect sections of the Fair Credit Reporting Act in order to justify their actions and treatment of this matter.
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

2016-03-22

Traver, CA

Customer service / Customer relations

Credit card:

Complaint: I have had a card relationship with Barclays for years. I went to use my XXXX XXXX rewards card today and it was declined. When I called in I was told all of my card accounts were closed and would not be reopened. I would like my account reopened as I have done nothing to cause my account to be closed. I 've always paid my bills on time and hardly purchase anything on it, I never let the spending be higher than I can afford to pay monthly. My credit history and score are very important to me. Please contact me via email or through CFPB. Again, anything that can be done to preserve my relationship with Barclays I would greatly appreciate.
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

2016-03-22

Lewisville, TX

Billing disputes

Credit card:

Complaint: I have been a card holder of the Frontier World Elite MasterCard in good standing for many years and have not had issues prior to XXXX 2016. In XX/XX/XXXX I received a notification email that my account was approaching its credit limit. This is concerning since I should have a relatively low balance on the account. Upon researching my account activity, XXXX consecutive {$2500.00} cash advances were posted on XXXX/XXXX/16 with correlating {$75.00} cash advance fees posting over the next 14 days. I immediately contacted Barclay to let them know these were not authorized transactions. They informed me that the charges would be reversed but could take 3 or 4 days to issue credits while their fraud team investigates. They cancelled that card and issued a new card. I activated the new card and activated more strict email notifications in an attempt to be informed sooner in case of recurrence. I began using the card again when I received another credit limit notice. This time XXXX more {$2500.00} cash advances and a money order were all charged to my account. Upon calling Barclay again they escalated the complaint to the investigation team who again cancelled the card and issued a new card. Before I could even activate the third new card, more cash advances were posted on my account. In frustration, I called to speak to an investigator who informed me this was in internal Barclay issue and that all cash advances on my account actually had the same approval code and their system is duplicating the same fraudulent charge over and over. I had the account put on hold, did not activate the new card, and reduced the cash advance limit to the minimum amount of {$1.00}. The Barclay investigator informed me that the issue has been fixed and it may take several weeks to sort everything out on my account. The cash advance fees continue showing up on my account through XXXX/XXXX/16 despite the account being on hold. On XXXX/XXXX/16, another cash advance adjustment was made and XXXX more {$75.00} cash advance fees posted on my account. At this point, I am extremely frustrated that Barclay is not able to manage the credit service they offer. I asked if I am the only Barclay customer being affected by this glitch and the investigator said no. I asked if they can provide me the balance owed on the card so I can pay it off and cancel the card. The investigator informed me that she did not know what the balance is and that I would have to wait for my statement and that it could take a couple months. In the meantime, I am afraid to activate the card that I need for business use and I am concerned that artificially high balances on my open end credit account are adversely affecting my credit score and my credit worthiness will be jeopardized by internal mistakes at Barclay. These mistakes are extremely disruptive and cause a lot of unnecessary anxiety for the consumer. This issue has other undesired effects on consumers like me who are attempting to qualify for a loan. While the timelines for resolution do not yet violate the Fair Credit Billing Act ( which I will monitor closely ), the Federal Trade Commission should be notified of the issues Barclay is causing their customers so this issue can be fixed permanently. Please help.
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

2016-03-22

Cheverly, MD

Credit card protection / Debt protection

Credit card:

Complaint: I have a credit card with barclaycard us. I informed barclay of an unauthorized ( refund ) charge on my account by a merchant who send an email confirmation stating that this charge was refunded and should be refunded. I provided the refund confirmation email to barclay over a year ago to no avail. I have been back and forth with barclay for an entire year. The provided a provisional credit and then reverse the credit with no explanation. I last spoke with XXXX a customer representative of barclay on XXXX/XXXX/XXXX who confirmed that all the documents was received for the credit and she send an email to that department for processing. She informed me I will hear from barclay in 72 hours and no one contact me. I called again on XXXX/XXXX/XXXX and spoke with XXXX again and she again said someone will contact me when the charge is reverse. I did not receive any calls from anyone. I have received interest charges on this account for over a year and I am asking for the reversal of the charge and the all interest charges for this transaction over the entire year plus. The amount is {$210.00} and the company name is XXXX XXXX. XXXX has not respond and refuse to response since communication in 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

2016-03-21

Grand Prairie, TX

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

2016-03-21

Arco, CA

Closing/Cancelling account

Credit card:

Complaint: Our American Express/Jet Blue credit card was re-assigned to XXXX. We have elected not to enroll with XXXX but instead to enroll elsewhere. American Express is now denying us access to our card statements ; we will have to enroll with XXXX to view them, at a cost of {$40.00}. Apparently we were warned in our XXXX statement that we would no longer have access to our records, but did not see the warning. It will be difficult to file our taxes without access to these financial records. Apparently Amex would like us to pay off the balance of our card without being able to verify the amount owed.
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

2016-03-21

Benton, AR

Billing statement

Credit card:

Complaint: On XX/XX/2016 I did an ATM withdrawal for XXXX.The terminal I used in XXXX AR charged XXXX.That would be a total of XXXX.I did no more withdrawals after that.The same night I called Barclay to report to close the card because an establishment in which I had visited did not secure cards properly.However I have the card in my possession. After this one XXXX, I have been receiving charges of XXXX continuously on my statements.My statement for XX/XX/XXXX/XX/XX/XXXX had XXXX ATM CASH ADVANCES of XXXX and CASH ADVANCE FEES.There was also Interest fees on the Continual Incorrect Charges.This made my payment XXXX for the month.I had called customer service Overseas and she told me to just pay the amount stated, next month would be correct amt.MY payments normally do n't run over XXXX per month.For my balance i normally carry payments do not run over XXXX.I would have been charged late fees had I not paid that incorrect payment and then there would have been a bigger problem. So, I looked online on XXXX/XXXX/2016 and there were more of these incorrect charges.What I saw was a XXXX ATM Cash Advance for the entire month of XXXX the Cash advance fee for each day as well.Totaling XXXX.Plus the Cash front End Fees totaling XXXX.Not to mention the entire page of ATM Cash Advance Charges.Some had minus signs meaning Reversed. The Customer Relations Person had to attempt to go thru and add up all the repeated charges which had become a total frustrated situation for a Barclay cardmember. Again, I have the closed card in my possession so I know its not Fraud, This is BARCLAY Cards error.If I pay this bill my payment would be XXXX and some cents. I need this chaos corrected, IMMEDIATELY.
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

2016-03-20

Allentown, PA

Other fee

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: Yes Timely Response

2016-03-19

Marietta, GA

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

2016-03-19

Concord, CA

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

2016-03-19

Bronx, 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: No Timely Response

2016-03-18

Salisbury, NC

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: No Timely Response

2016-03-18

Rockford, IL

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

2016-03-18

Arlington, VA

Balance transfer

Credit card:

Complaint: On XXXX XXXX, I initiated a balance transfer of {$640.00} via a telephone conversation for the transfer from my XXXX Credit Card to my Barclays Credit Card. Today I found out that instead of the amount of {$640.00} transferred, the amount of {$5300.00} was transferred. This erroneous balance transfer impacted me negatively as it caused me to go over my credit limit on my Barclays Card. When I contacted Barclays and spoke to a supervisor by the name of XXXX operating ID : XXXX ; I was informed that the phone conversation for the balance transfer was recorded and that she reviewed the recording and found that I had authorized the {$5300.00} transfer when I stated : " transfer the entire balance. '' Now my entire balance on the card was exactly {$640.00}, and I did indeed state ; " transfer the entire balance of {$640.00}. '' She implied that I lied, I told her to play the recording with me on the line so that I can point out to her that I did indeed provide the dollar amount of {$640.00} but she stated I would need a court subpoena for that. When I asked her to justify where the {$5300.00} dollar amount came from when all I had was a balance of {$640.00} she explained that was for the line of credit on my XXXX Card, I responded and stated my line of credit is {$23000.00} on my XXXX card, so where exactly does the dollar amount of this supposed authorization of the entire balance come from. She had no explanation. I told her I wanted her manager to call me and she said she would put in a request and have someone call me within 2 business days, please keep in mind that today is Friday and that I would not have received a call until Wednesday of next week. Within 30 minutes XXXX called me back and said she listened to the entire recording and indeed found that I had indicated only the amount of {$640.00} for the transfer, she apologized and offered to reduce the balance transfer rate from 6.99 % to 0 % and to waive the transfer fee. I asked her what would be done about reversing the erroneous transfer amount and she said I would have to contact XXXX XXXX to request the check of the positive balance be issued to me, deposit the check in my checking account, and then make the payment to Barclays ; all of which can take up to 2 whole weeks. In addition to wasting two hours of my time attempting to resolve the matter, my credit report can be negatively impacted as I am over my credit limit with my Barclays card with this erroneous transfer. Barclays did not offer to adjust my credit line to mitigate the fact that I was negatively over my credit limit, nor did they offer to reduce the balance or apply a credit to bring me under my credit line. All they said was, they report to the credit agencies every XXXX of the month and as long as I get my check from XXXX, cash it and pay it in time before the XXXX my credit report would not be negatively impacted. It is not guaranteed that I can do all this all before the XXXX of XXXX and fully preventing any negative reporting to the credit bureaus. I would like Barclays to be held accountable for an ERRONEOUS, FALSE, and basically FRAUDFULENT balance transfer. Furthermore, they were quick to blame me instead of working to fix the problem. They caused me an immense amount of stress and anxiety ; accused me and implied that I lied, did not take full initial responsibility, and caused a great deal of time lost in productivity. For all of the above, they should be held liable, and should provide a monetary compensation by reducing my Barclays credit card balance to {$0.00}. I appreciate your help. Thank you
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

2016-03-17

Clyde, CA

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

2016-03-17

Cookeville, TN

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 non-monetary relief

Disputed: No Timely Response

2016-03-17

Kissimmee, 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 explanation

Disputed: No Timely Response

2016-03-17

Fort Pierce, FL

Unsolicited issuance of credit card

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

2016-03-17

Bridgeport, CT

Unsolicited issuance of credit card

Credit card:

Complaint: Hello - XXXX XXXX ( the airline ) recently switched their credit card partner from XXXX XXXX to Barclays. I was a XXXX XXXX XXXX XXXX card holder for over 5 years, but I did not want to receive the new Barclay 's card. I called and emailed XXXX XXXX and Barclays requesting to Opt-Out of the new credit card. They informed that I would automatically receive a new Barclays XXXX XXXX credit card, and there is nothing I can do about it. I even cancelled my XXXX XXXX XXXX XXXX card upon receipt of this news, and I still ended up receiving a Barclays credit card in the mail today. I called Barclays requesting they cancel my new credit card this morning, and they informed me that I needed to call back on XXXX XXXX or later in order to cancel this new card because " my information was not in their system yet '', so I guess I will need to wait and call Barclays again. Overall, I think companies like XXXX XXXX who switch credit card providers should give customers the ability to Opt-Out of a credit card from a new credit card company. No one can force you to switch banks or life insurance companies, for example, so why could n't anyone Opt-Out of switching credit card companies? Without a doubt, XXXX XXXX handled this process the wrong way. I have some emails to XXXX XXXX if you 'd like to see my requests, which went without any assistance from XXXX XXXX or Barclays.
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

2016-03-17

Jacksonville, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: I paid my bill of XXXX on the last statement and they for some reason refunded it then closed my account ... i then explian to tjem i did pay and can prove it in my bank statement that the money was refunded and they still closed my CC. I then said if your going to XXXX me then i wont pay whats on the balance. This was a few years back though. I would pay it but i feel they aint goi g to remove it anyways from my report
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

2016-03-16

IN

Rewards

Credit card:

Complaint: On XXXX/XXXX/2016 I had statement cut with a balance of {$28.00} with a due date of XX/XX/XXXX. I believed I had auto payment on from my checking account which I evidently did not. I was charged a {$25.00} late fee and {$25.00} in interest. The {$25.00} interest charge is the most troubling since that 's over a 1000 % APR on a {$28.00} balance. On XXXX/XXXX/2016 I noticed my XXXX XXXX and XXXX XXXX credit card accounts had been closed when I went to sign in to it presumably for this late payment of {$28.00} on a {$14000.00} credit line. I immediately paid all outstanding charges on both cards including all fees even though I think the interest rate is suspicious. Barclays never notified me cards had been closed luckily I had n't tried to use it since it was, that would have been a very embarrassing moment I do not wish to have my XXXX account reopened, but I would like the {$1500.00} in rewards on XXXX and {$4.00} on my XXXX XXXX card that I saved up for months so that I could use on my trip to XXXX next month to run in the XXXX 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

2016-03-15

Damascus, OR

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

2016-03-15

Brooklyn, NY

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