BARCLAYS BANK DELAWARE

2016-03-15

Fithian, IL

Late fee

Credit card:

Complaint: BarclayUS has a cutoff time for XXXX for the mininmum amount due time. In the past 6 months they charged me late fees of {$25.00}, for the simple reason that I might get stuck in traffic. I am paid by my employer daily, I make XXXX an hour and i have no way to make the payment in the morning or before, my money being very tightly budgeted. This bank rips me off.
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

TX

Closing/Cancelling account

Credit card:

Complaint: My credit card issued by Barclays was closed without notice. I received a notice saying the account was closed for 'unusual account activity ' and that my credit was not use in the decision. I would like my XXXX $ annual fee refunded, and the XXXX $ in unclaimed rewards credited to my account. The bank would not provide further explanation as to why my account was closed, and they refused to credit my account for the unused points or already paid annual fee. I find this behavior akin to a bait-and-switch. I used this credit card under the pretense of earning rewards, until the bank decides to unilaterally close the account and deem my earned rewards void.
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

Burlingame, CA

Customer service / Customer relations

Credit card:

Complaint: My Barclaycard XXXX with XXXX Rewards was activated on XXXX XXXX. I was able to use my card without issues aside from a few false positive fraudulent activity alerts on my account but was able to clear up the holds with a phone call. There was actually a transaction where my card was declined and I had called in to Barclaycard to confirm I recognized the transactions, and was told to make the purchase again with assurance that this time it would go through. I was satisfied with the confidence the customer care representative had given me and the call ended there. I was preparing for a travel XXXX, so I did not actually attempt to make the purchase immediately after the call had ended, but rather a few days later. Unfortunately, it was declined yet again, and another false positive fraudulent activity alert was sent to me via email. Setting this matter aside for the time being, I took my flight to the XXXX and about XXXX hours later I arrived. I had booked a taxi using an application called XXXX which I used for the first time ever and probably never will again due to an incident I had with the driver ordering us to get out of the vehicle after he had already picked us up. I had wondered if it was due to my card but since I had not received anything from Barclaycard and XXXX claiming that I had not been charged, I assumed that was n't the case. The next day, I did receive an email from Barclaycard on a possible fraudulent activity alert on a charge of a approximately {$2.00}. I called in to verify the transaction on the toll free intentional number and confirmed I had recognized the charges and informed her I was traveling. The customer care rep then removed the hold on the account, offered me to sign up for text notification alerts which I did and asked her if it was too late to place a travel notification on the account. She said she would go ahead and do that, and I believe she did try however upon doing so, she told me that she had to transfer me to another department who had then placed the security hold back on my account. Now they are telling me that I need to mail in documentation through XXXX mail to their XXXX in the United States before the hold can be removed and someone had even placed notes on the account claiming they had asked this of me long ago, and that the Barclaycard reps that removed the holds from my account several times prior to this, were all in error and were never supposed to have done that. Well that sounds extremely out of the ordinary to me and if any of the activity done on my account seemed anything close to possibly being fraudulent, it was n't on my end. I do realize that I should have placed a travel alert notification but I had forgot to mention earlier that after the possible fraudulent activity alert on the transaction that I was assured would go through, the travel notification online was no longer an option because of that alert. They 've now locked me out of my online account access, and though they have a toll free number on their site which states IN CASE OF EMERGENCY XXXX to call the number listed, after calling that number I was disappointed to see how poorly they treat their clients even though I had explained to them that I was XXXX and was counting on this card to be my backup funding source since it 's supposed to be safer than carrying cash around. I looked to their Complaint policy statement and called the number listed for submitting complaints but upon calling that it turned out to redirect my call to another department to deliberately prevent me from being able to complain about this to Barclaycard. As if this all is n't enough to complain about. I had read a few stories on XXXX of holiday nightmares due to credit card declines but nothing that could n't be resolved with a phone call to their card issuer. I am being deprived of a fair resolution.
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

2016-03-15

Ft Belvoir, VA

Closing/Cancelling account

Credit card:

Complaint: Dear XXXX, I was wondering whether you can help me with my credit card issue with Barclay. I have a Barclay arrival plus credit card and paid {$89.00} anual fee for that card. In XXXX, the chip in the card was malfunctioning and I contacted Barclay for a replacement. I got a new card in early XXXX. Before I actually used this card, I received a letter on XXXX/XXXX/2016 stating that my account was closed due to account history. Please help. 1 ) Refund the card fee : Barclay shall refund me the fee since the account was closed and no more service provided. 2 ) Honor the bonus : I have points balance in my account ( equal to appx. {$180.00} ). I demand those money back
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

2016-03-15

North Tunbridge, VT

Late 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: No Timely Response

2016-03-15

Una, SC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I disputed BARCLAYS BANK DELAWARE as a Fraudulently account. I sent them a Police Report & Identity Theft Victim Complaint and Affidavit to let them know that I 'm a victim of ID Theft. I notify all three credit report agency about this account.They have been remove from XXXX of the credit report agency. But on XXXX it 's still showing. So I call the XXXX Fraud Department about this account and they told me that BARCLAYS BANK DELAWARE said my name & SS is still the same. And I told BARCLAYS BANK DELAWARE that I am a victim of ID Theft. I disputed this account XXXX/XXXX/2016 with XXXX Account # XXXX they are the one I contact first about this account.And I contact BARCLAYS BANK DELAWARE on XXXX/XXXX/2016 and XXXX.I talk to XXXX about this account he stated that he need to talk to the officer about this account. This suppose to took place two week ago. I talk to him again on XXXX/XXXX/2016 he said the same thing that he said two week ago. And he were being disrespect to me.
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

2016-03-14

Sarasota, FL

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

2016-03-14

MS

Billing statement

Credit card:

Complaint: After faithfully paying this card online and getting statements, I logged myself out.I could n't pay I called in XX/XX/2015 to pay they said they could n't find my account so they told me to wait until they find out.Before the due date on XX/XX/XXXX, I called on a Thursday 2 days prior, they could n't take payments on the phone and they could n't reactivate online access due to the credit card being close previously. They said to overnight a payment. By now, I had no mail no email statement either. I didnt have assurance that mail will reach them on time. I was told I was getting LATE fees by now. Finally, I got an email payment reminder only on XX/XX/XXXX. I mailed the money but I did n't have the full statement. They money was cashed by them. I mailed them a letter XX/XX/XXXX and 10 days ago an attempted was made to speak with them to no success. I have no bill and I had to miss this month payment.
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

2016-03-14

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

2016-03-13

Lenexa, KS

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

2016-03-13

Cocoa, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: BARCLAYSBK ACCOUNT NUMBER : XXXX XXXX/XXXX/XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify BARCLAYSBK or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : BARCLAYSBK or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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

2016-03-13

San Diego, CA

Billing disputes

Credit card:

Complaint: I signed up for a Barclay 's CC in order to buy an iPhone from XXXX. I was approved and made the purchase. It required me to set up an autopay via my bank account. On my second autopay, there was not enough money in my account to make the payment. Barclay 's payment system flagged my bank account and wo n't let me use it to make payments any longer. They wo n't take a debit card or a credit card. I do n't have another bank account to make a payment. I 've written them twice and they 've basically blown me off. Meanwhile they 're sending late payment reports to the credit agencies. Effectively they 're forcing me to go out and open another bank account in order to avoid late fee 's and negative credit reports. I do n't want or need another bank account. I have notified them that I have money to pay them twice and asked for them to reinstate my bank account as a payment method twice.
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

2016-03-12

Arsenal, PA

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

2016-03-12

Moapa, NV

Advertising and marketing

Credit card:

Complaint: I signed up for the US Airways credit card with the promise of a XXXX bonus miles and {$99.00} companion ticket. I did not receive either of these benefits. The card was combined into the XXXX card early in 2015. I was told when Us Airways merged with American those benefits ceased. However the promotion was during the merger process that it was offered. I was not told that it would go away. I was charged 2 yearly fees and I have not been able to get a refund. I have since canceled the card. I feeI that I am at least due a refund for the yearly fee.
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

2016-03-11

New York, 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

2016-03-11

San Antonio, TX

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

2016-03-11

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: Yes Timely Response

2016-03-11

Bellaire, TX

Billing disputes

Credit card:

Complaint: I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.
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

2016-03-11

Tunnel Hill, IL

Application processing delay

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

2016-03-11

Chattanooga, TN

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

2016-03-11

Oxford, GA

Billing statement

Credit card:

Complaint: I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED CASH FORWARD MASTER CARD. STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT RECEIVE MY STATEMENT FROM XXXX MONTH. I REQUESTED SEVERAL TIMES BUT TILL TODAY I DID NOT GET. ALTHOUGH I PAID ALL BILL ON TIME. CUSTOMER SERVICE OF THIS BANK IS VERY BAD. THEY HAVE NO RESPECT FOR CUSTOMER & THEY DO NOT CO-OPERATE WITH CUSTOMER.
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

2016-03-11

Tampa, FL

Transaction issue

Credit card:

Complaint: My credit card balance was overpaid in the amount of XXXX. When I asked them to go ahead and credit back to me electronically, via the same means that they received the funds from me, they told me that was not possible. My credit card amount due was at a balance of {$0.00} at the time that they took the payment from my account. I need the money back promptly as I understand is within my rights, as stated below : " Other billing rights Businesses that offer " open end '' credit also must : give you a written notice when you open a new account - and at certain other times - that describes your right to dispute billing errors ; provide a statement for each billing period in which you owe - or they owe you - more than XXXX dollar ; send your bill at least 14 days before the payment is due - if you have a period within which to pay the bill without incurring additional charges ; credit all payments to your account on the date they 're received, unless no extra charges would result if they failed to do so. Creditors are permitted to set some reasonable rules for making payments, say setting a reasonable deadline for payment to be received to be credited on the same date ; and promptly credit or refund overpayments and other amounts owed to your account. This applies to instances where your account is owed more than XXXX dollar. Your account must be credited promptly with the amount owed. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. The creditor must also make a good faith effort to refund a credit balance that has remained on your account for more than six months. ''
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

2016-03-11

Oxford, GA

Billing statement

Credit card:

Complaint: I HAVE A CREDIT CARD FROM BARCLAY BANK. IT IS CALLED AS EXTRA POINTS VISA. THE STATEMENT OF THIS ACCOUNT CLOSE ON XXXX OF EACH MONTH. I DID NOT GET MY LAST MONTH STATEMENT TILL TODAY. I REQUESTED THEM SEVERAL TIMES. BUT I HAVE NO RESULT. THE CUSTOMER SERVICE OF THIS BANK IS HORRIBLE.THEY HAVE NO RESPECT FOR CUSTOMER. THEIR CUSTOMER SERVICE IN XXXX IS VERY BAD. THEY TREATS AMERICAN CUSTOMER LIKE A DIRT.
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

2016-03-11

Cheverly, MD

Closing/Cancelling account

Credit card:

Complaint: I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card, late fees, and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet, each month, additional charges appear on the card under the guise that I am responsible for paying it. I want the account closed and the charges to be reversed since I have not authorized a single charge to the card in more than 5 months.
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

2016-03-10

Walden, CO

Rewards

Credit card:

Complaint: I signed up for a Frontier Airlines XXXX XXXX through Barclay Card XX/XX/2015 for a promotional offer of XXXX frequent flyer miles. I paid the required annual fee and met the purchase requirements of the offer. Over several months I contacted Barclay Card regarding the miles. It was acknowledged that I had met the requirements of the offer. I was told several times to expect the miles to post to my account. On XXXX/XXXX/XXXX I was again told that the miles would post to my Frontier account within 30 days of a letter posted to me dated XXXX/XXXX/XXXX. They still have not posted and today I closed my Barclay Card. I requested that the annual fee be returned as I was not provided the XXXX miles. I was told by a supervisor that that was not possible.
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