BARCLAYS BANK DELAWARE

2016-02-06

Hollywood, CA

Balance transfer

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-06

Kenner, LA

Closing/Cancelling account

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-05

Lb, CA

APR or interest rate

Credit card:

Complaint: This complaint relates the manner in which Barclays Card US applies payments when there are both promotional and non-promotional balances. Per a reading of the terms and conditions on the statement, payments are posted first to the higher interest balances and then the excess to the promotional balances. For the statement ending XXXX/XXXX/2016 I had a promotional balance of {$760.00} ( expiring XXXX/XXXX/16 ) and a non promotional balance of {$600.00}. I sent in a payment of {$670.00} on the due date. The a portion of the payment was correctly applied with {$600.00} against the non-promotional balance, however the excess of {$65.00} was applied against yet unbilled non-promotional balances. Under this application, if a consumer is using the card for purchases during a billing cycle, it becomes nearly impossible to payoff the promotional balance. A reasonable individual would understand and expect that if he pays off the entire non-promotional balance and sends additional funds, that these additional funds would be applied towards the promotional balance. Barclay customer service explained that this is not how it is handled as the yet unbilled non-promotional charges COULD be subject to a higher interest rate than the promotional balances, thus they are paid first, to protect the customer. In reality, this does not protect the customer but creates a scenario when the customer 's promotional balances does not decrease over time and the entire promotional balance must be paid in the final two months in order to avoid paying all of the accrued, yet unbilled finance charges associated with the promotional balances. While this could be argued is in keeping with the disclosures, it is both morally and ethically deceptive.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-05

ME

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I discovered a recurring charge on my Barclays ' VISA card, issued by LLBean. It was a service I was not using, and I spoke to a Barclays rep who told me I needed to change my account number. After following this advice, the charge still appeared on my next statement. I called Barclays and was told that when a person orders something online, checks the box agreeing to " terms and conditions '', and charges it to their VISA card, the business is connected to that specific account, NOT the account number! So changing my account number did not matter ; I was still being charged. She kindly offered to stay on the " line '' with me while I cancelled that subscription, which I did. On reflection, however, I was concerned about the ability of Barclays to have that kind of control over my account, i.e., my " money ''. Why should any company be tied to my account, especially since I XXXX told that every time I changed my account number, then I need to give that new number to all the accounts that I have automatically charge my card each month, such as XXXX. It did not make sense that online companies should have that kind of " special '' treatment over my local companies with which I do business all the time. In the meantime, I had " googled '' the recurring address of the initial subscription I had ordered as it appeared on my credit card statement. I was shocked to see the words " Fraud '' and " Scam '' in the addresses that came up from " googling '' the company, which happened to be " XXXX XXXX ''. That is what prompted me to contact LLBean and let them know that ( in my opinion ) Barclays was " aiding and abetting '' that fraud by allowing companies to tie directly to my account, rather than just to my account number! For myself, I am done with that company since Barclays had helped me contact XXXX and cancel my subscription. However, I was concerned that others may not realize and be likewise charged each month, not aware that Barclays policy allowed a " tie-in '' to one 's account, as opposed to one 's credit card number. Plus, it could reflect badly on LLBean 's good name.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-05

Nyc, NY

Other fee

Credit card:

Complaint: I requested to close my cc account, pay balance in full and refund annual fee of {$89.00}. Barclays Bank refused to refund the annual fee because my request was 5 days late.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-05

Scottsdale, AZ

Billing statement

Credit card:

Complaint: A charge on my XXXX periodic statement from Barclays Bank was identified as having been posted to an account number that was closed by the bank due to a security breach in XXXX. A new account number was issued in XXXX. The bank was unable to explain how a charge ( which was, in fact, unauthorized ) could be posted to an account that had been closed by the bank due to a security breach 17 months earlier. I was initially advised that the charge would be removed because it was unauthorized, but because it was a card number I had previously held, my current card number would have to be changed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

New Orleans, LA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Foothill Ranch, CA

Rewards

Credit card:

Complaint: Barclay 's Bank is cheating from their customers, I got credit card Arrival+ # XXXX from Barclay 's Bank.They offered bonus XXXX miles, if i have spent $ XXXX in 90 days, which i spent and paid their money in time.but i never got the offer, so canceled the card.I earned their bonus miles, but i never had chance to get bonus miles for airline ticket, every time i called the bank said my miles are not ready, i need to call back in the future.today, i called again & again, today, they just said my miles expired already. this is totaling cheating from their advertisements, they still offer this bonus offer all over media & internet, but you can not get the bonus miles.!!! I have more than XXXX miles at least, i earned and qualified from them, and i am asking my miles, i can not get it, it less than year, i tried several times, there is no way i can get from the bank, i really need your help to get my earned miles, so i can use them as airline ticket. finally the bank is cheating from their customer and this is totally manipulating, this is not the offer in the advertisement, this is the other cheating problem also!!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-04

Arboga, CA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-02-04

Macclenny, FL

Customer service / Customer relations

Credit card:

Complaint: Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-03

Andover, MA

Identity theft / Fraud / Embezzlement

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-03

Birmingham, AL

Other

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-02-03

San Diego, CA

Advertising and marketing

Credit card:

Complaint: I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-02-02

Keyport, WA

Rewards

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-02

Minneapolis, MN

Billing disputes

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-02-01

Chino Hills, CA

Transaction issue

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-31

AL

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: I sent letter stating that I am XXXX and " judgement proof. '' I included the FDCPA " Ceasing Communication '' statement. This letter was mailed to the Barclay Bank address on file for customer communications on XXXX XXXX, 2016. I have received multiple calls daily and five calls today from this company.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-01-30

Ft Belvoir, VA

Other

Credit card:

Complaint: The credit card company pricelinereward visa card issued a check in error on XXXX XXXX, XXXX for {$4800.00}, despite the account was closed on XXXX XXXX, XXXX. I called the company regarding the check and I was told this was a reward check and that I can deposit in into my account. They did n't give any other explanation of why I was receiving the check besides that it was my money so I deposited the check. On XXXX XXXX XXXX, I recieved a letter stating that the check was issued in error to my account and that I owe them {$4900.00} including interest of {$140.00}. So they are asking me to pay {$140.00} in interest. They waited 8 months from XXXX XXXX, XXXX, when they posted the check in my account, to inform me that they credited my account in error. I have already paid their {$4800.00} back and they insist that I still owe them {$140.00} for interest. To me this seems fradulent since they said it was my money and that I could deposit the check and they also waited 8 months to send me a letter stating it was an error on their part. I never recieved any statements prior to the one I recieved in XXXX XXXX stating that there was an outstanding balance in my closed account. Now they are insisting I pay interest on a {$4800.00} check and I refuse to pay the interest. Please help resolve this issue. Thank you.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-01-30

El Paso, TX

Billing statement

Credit card:

Complaint: Barclay 's ( who holds my XXXX credit card ) wo n't let me access my account and they refuse to send me statements showing what I have paid them. I sure would like to know what my balance is. I 've asked repeatedly for copies of statements. ( They seem to think that since I was Discharged from bankruptcy about five years ago, long before I had any balance with them, that they can retroactively now deny me a copy of statements showing the credits for what I have paid during the last few months. )
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-01-29

Coal Creek, WA

Closing/Cancelling account

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-01-29

Mill Creek, IN

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On the morning of XXXX/XXXX/16 I was reviewing my credit card transactions for my Upromise Barclay Mastercard. I noticed a transaction for {$410.00} at XXXX in XXXX XXXX, XXXX which occurred on XXXX/XXXX/16 and posted on XXXX/XXXX/16. This was suspicious to me because I do n't typically spend an amount that high at Target, and from XXXX/XXXX/16 through XXXX/XXXX/16 I was in XXXX, XXXX for work. The credit card transactions both before and after the {$410.00} charge at Target reflect that I was in XXXX, XXXX. Upon noticing the charge I called to file a dispute ( XXXX/XXXX/16 ). I was told it would take a few days for the charge to be reversed as well as receive my replacement card with a new account number. As of XXXX/XXXX/16, I had yet to receive a replacement card or see a reversal for the {$410.00} fraudulent charge on my account so I called in again and spoke with a representative named XXXX. At this time she informed me that my account had been closed, with no replacement being issued, but she could fix that and send a new card. I asked when the charge would be reversed and she explained it would not be reversed. At this point, I immediately asked to speak to a supervisor. After waiting ~25 minutes a superior visor ( XXXX ) came on. Explained situation as described above, she just told me she has to transfer me to fraud investigation department as they 're in charge of fraud transactions. After waiting approx. ~5 minutes I was transferred to XXXX in the fraud department. I explained situation in full to XXXX. XXXX said he has now tagged that transaction as fraudulent. XXXX asked if I could give him a few minutes. He came back and explained what 's going to happen. XXXX stated what he 's done is go over and tag {$410.00} as fraud ; I will see a credit for the same amount to zero that charge out. Will see the credit in 24-48 hours within online banking. Up to two months to actually work the case ( wo n't generally effect you " me '' ). Asked for my cell phone # and I gave it to him. Read short disclosure regarding their use of my phone number. XXXX said if fraud investigator has any questions about the fraud they may reach out to me, if you do n't hear anything, they have up to 2 months to complete the case. Explained if the card is coming, plain white envelope, will arrive in 5-6 days. I asked if he could confirm mailing card is set, he ca n't confirm has to be regular customer service, will transfer for me back, but fraud charge is all set. I 'm then transferred to XXXX, to answer mailing questions. I ask about the status of a new card, XXXX explains that he sees they put as fraud, does n't see a new card being sent out yet, but he 'll fix that. I asked why it was n't taken care of the first time and he is not sure, he said he sees account was blocked and new card issued, but ca n't see why that did n't go through. He then explains there are notes that there was a system error when they did that initial fraud dispute. Putting me on hold to make sure they 're getting the card out to me as fast as they can. XXXX put in a case, and explained there was a system error when ordering a new card, but it 's fixed and they will waive express mail fee and mail new card. After waiting 48 hours and reviewing my account on XXXX/XXXX/16, I notice a credit has been issued for the {$410.00} ; however, this is also a new {$410.00} charge from Target that is back-posted to XXXX/XXXX/16. My current balance on the credit account reflects the {$410.00} being included.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-01-29

Falls Church, VA

Rewards

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-01-29

Reidsville, NC

Billing disputes

Credit card:

Complaint: I purchased a timeshare on XX/XX/2014 the salesperson said we had to fill out a RCI MasterCard application to purchase the timeshare. I was declined for the MasterCard so I bought it with my XXXX bank card. Promises and guarantees where broken so the vendor said they would credit the XXXX for the total amount we paid. On XX/XX/2014 the vendor opened the RCI MasterCard and charged me the cost of the Timeshare without my approval. I never consented to the new charge and never signed a credit receipt for the purchase. I have disputed the charge with RCI and each time they just ask for more and more information then lose it or not read it. They tell me deal with the vendor but the vendor does not respond. RCI told me there is nothing they can do for me anymore. They do not care that the charge was fraudulent.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-28

Warwick, MD

Application processing delay

Credit card:

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-28

Long Beach, CA

Forbearance / Workout plans

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response