BARCLAYS BANK DELAWARE

2019-07-31

Struggling to pay your bill

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

Problem lowering your monthly payments
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

Murray, UT

Improper use of your report

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

Received unsolicited financial product or insurance offers after opting out
Complaint: I was in XXXX XXXX, for vacation, XXXX XXXX XXXX, 2019. I stayed at the XXXX hotel where an employee through XXXX approached me to offer a timeshare tour. I accepted the tour which took place XX/XX/2019 at the XXXX hotel. During this tour I was asked to provide my personal information such as my name, address, phone number, social security, etc. I was told this information was needed to verify my qualification for the timeshare. I also was assured that my information would not be used for anything other than verifying qualification unless I accepted the timeshare. On XX/XX/2019 I received an email from XXXX stating there was a change to my credit report. An account was opened under Barclays Bank. I immediately disputed this account with all three credit bureaus. On XX/XX/2019 I received a letter in the mail that included a Barclays Bank Wyndham Rewards credit card. I contacted Barclays Bank requesting immediate cancellation. They promised to send a letter of confirmation for the cancellation of the account in the mail. My information was stolen and my privacy has been invaded. I did not request for this and the credit bureaus have made it clear they can not assist in repairing the damage that was caused to my credit. I feel Im being labeled as a liar and I would like to know what can be done about this.
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

San Francisco, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via certified mail. As of today they have failed to provide me with the proof I have lawfully requested. This fraudulent account being reported to the credit bureaus is a violation under the FCRA. Account is the following : BARCLAYS ACC # XXXX. Date Opened XXXX. Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character.
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

Louisville, KY

Closing your account

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

Company closed your account
Complaint: To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
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

Louisville, KY

Closing your account

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

Company closed your account
Complaint: To my dismay, on XX/XX/2019, through a declined purchase and later a follow up phone call I have found out that my accounts with Barclays bank have been closed. I would have appreciated the bank making me aware of their actions so I could have planned around this. As a loyal customer, who has paid their bills with the bank 100 % of the time, on time, and who manages their accounts judiciously I find this extremely unwarranted. I have called in and explained my position and the representatives are rude and callous and offer zero customer service in rectifying the situation. Not only will they not reconsider reopening my accounts as hoped, the rewards, miles/cash back that I have earned on my accounts they are unwilling to release back to me. Not a happy customer.
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

Deltona, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
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

Austin, TX

Incorrect information on your report

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

Information belongs to someone else
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

N Little Rock, AR

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
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

Houston, TX

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: I recently opened a credit card account with Barclay bank of Delaware. At the time of opening the account offered 15 months interest free. I made use of such offer by transferring some high interest loans. This is where the problem begins, after initiating a transfer from one of Barclay subsidiaries ( Barclay personal loan ) in the sum of $ XXXX.The transfer was initially cancelled since it was not visible online for several days. In such case, I satisfied the due account with alternative means. The eventual out come was an account that was over paid in the sum of {$4900.00}. Apparently an issue that should be easy to resolved given the nature of the problem and the available proof.However, so far that has proven difficult based on the way that Barclay bank has been handling the problem.In any case, even after having contacted them over the phone the issue continues to be unresolved. In the mean time my account has accrued fees and the personal loan continues to be over paid in the sum of {$4900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-30

Smyrna, DE

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

Timely Response

2019-07-30

Woodland, WA

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: Good Morning, They Give a false name, Always stating they have a subpoena to serve at my work or home and I need to show them two pieces of legal ID. or they try to ask me my financial status and which forms of payment I need to use. Not a company name but a person name. ( XXXX, XXXX, XXXX, XXXX ) I ask them to remove my number and to stop calling and they just hang up. I block the number calling, then the next call is same harassment just different number. I can List all the numbers if needed there are about 40 with-in a 30 day span. All area codes XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Two or Three times a day. It has got to the point where I shut off my work phones mail box for messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-30

Wonder Lake, IL

Fees or interest

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

Problem with fees
Complaint: I missed a payment on this card and they turned it off. In XXXX I called to find out what the pay off balance was on the card. I made that payment. Got a notification that i still owed money the next month. I made that payment as well. Somehow they are still saying I owe {$150.00}.
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

2019-07-30

Coral Springs, FL

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

Timely Response

2019-07-30

Frenchville, PA

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
Complaint: I was charged {$390.00} on my barclays card on XXXX XXXX XXXX. I have multiple conversations with barclays and XXXX. The conversations with XXXX state that I didn't want their service anymore. This dates back to XXXX. XXXX would reply with a nonsense answer stating that the business had to be closed. The business filed for dissovlment in XXXX and XXXX. It was dissolved before XXXX. I communicated all of this to barclays and provided the documents attached to prove so. Barclays is now saying that I owe over {$480.00} because of late fees and interest all because of the fraudulent charge from XXXX. When I started the process with barclays to show that the charge was fraudulent, they stated that no fees or interest would be accrued while a charge is in dispute. I have sent multiple messages to XXXX with no responses in the regard of discontinuing services with them. I have sent barclays multiple messages now about how I should have to pay for a fraudulent charge, interest accrued and late fees accrued because of the fraudulent charge. They just reply with contacting someone else in another department or saying they need more documentation. The documentation that they want XXXX won't provide because they reply to many messages. Thank you for your time, and please let me know if anything else is need to file a formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-29

SC

Other features, terms, or problems

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

Problem with customer service
Complaint: I contacted Barclays today to get a copy of the original card agreement that I signed. They told me that they do not have it and refused to provide it because it was sold to a collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-29

Atl, GA

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-29

Detroit, MI

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

2019-07-29

Cambridge, MA

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

2019-07-29

Scottsdale, AZ

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

Timely Response

2019-07-28

Garden Grove, CA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-28

30th Street Train Station, PA

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

2019-07-27

NJ

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: I applied for a credit card ; somewhere during the process they change my last name to the city I reside in and issued credit using my SSN information under a name that is in no way tied tied to my SSN # ; this is concerning that anyone could have opened Credit in any name Using my SSN # ; They refuse to look at the process and make any corrections. Without me now sending Legal Documentation of Who I am ; I have no problem doing this, but they Company needs to be held responsible in issue Credit in Fake name. Also Concerning they are unable or unwilling to check their computer data base to see who or why the change was made by their own Employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-26

Charlotte, NC

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX I noticed I had a balance of XXXX. I didn't want a balance showing on my credit report so I went online to pay off the balance. The site showed I could make a same day payment up until XXXX XXXX. I tried to make a payment at XXXX XXXX but the payment site kept showing the payment would have a posting date of XX/XX/XXXX ( next day ) I called Barclays at XXXX XXXX and spoke to XXXX ( on a recorded line ) and was able to make the payment over the phone. XXXX repeated the amount and verified the account I wanted the payment to come out of. I had to verbally give him permission to make the payment. He stated the payment was made as of the XXXX but I wouldn't see the available balance until two days. A payment of only {$27.00} was made and it posted on the XXXX, the day after statement posting. I have attached the screen print of my attempt to pay on line, first line shows same day payment up to XXXX XXXX, the lower right corner shows the time of XXXX XXXX when I attempted to make the payment online after talking to XXXX so I could see that it payed and be sure it was going to post for that day. The second attachment shows my statement summary of the account with a statement balance of XXXX and a payment of only {$27.00}. I called back on XX/XX/26 when I noticed the balance, I spoke with XXXX around XXXX XXXX and the resolution was they would notate my account for the issue and open a case.s
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-26

Jupiter, FL

Trouble using your card

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

Can't use card to make purchases
Complaint: Dear Sir or Madam, This complaint is regarding the absolutely AWFUL treatment & service that I received from Barclays. I take my credit very seriously and responsibly. Whether it be for personal or business use. Furthermore, I currently only use about 17 % of my available credit according to FICO. As in some cases, I was treated with no respect from this institution. With two lines of roughly {$8000.00}, I was only using about {$1700.00} of available credit related funds. {$600.00} on a line of {$5000.00} and {$1200.00} on a line of {$3000.00}. I have ALWAYS made payments on time and often carried a XXXX or very minimal balance. My health insurance was automatically billed via the XXXX card, this was the line of {$3000.00}. Again, NEVER an issue at all with payments, usage, or charges. That is until, without telling me, or warning me at all, this despicable institution ( Barclays ) lowered my credit line significantly, with ZERO fair justification, or reasoning. My {$3000.00} line went down to {$1300.00} over night. Causing my automatic payment on my health insurance to be declined. Needless, to say this was a big issue for me. Not to mention embarrassing. Again, I have ALWAYS been a very good client. NEVER doing anything but pay the bills on time and use funds very responsibly. By any possible normal standard of decency, fairness, risk management, and compliance, theyre was ABSOLUTELY NO WAY that I should have had that happen to me. Why would any business upset a good, in my case great, customer. What was the problem? When I tried to contact them, I got treated like a piece of XXXX, and given the runaround completely. None of their metrics make any sense or logic at all. Its like saying that Im guilty before ever actually committing any crime. I have a XXXX XXXX in XXXX from a major XXXX university and find it ludicrous that I have to explain myself in regards to the extremely responsible use of my finances. I have no mortgage, very little debt ( If Any ), in fact much less than a year ago, no student loans, have never missed a payment, and excellent payment history. Lastly, I tried to explain that although it had nothing to do with any financial reason, my wife had been almost killed in a car crash at the start of the year, and rather than be so UNJUST and HARSH with me, they should have had some compassion. I even offered to pay the ENTIRE balance off at the time, in an act of good faith, should they do the right thing, and restore my credit line. I feel that this was a completely ridiculous lack of cooperation on their part, not taking that offer. Particularly, with no payment even due yet! Things happen in life to all of us and even with this, I NEVER missed a payment. I want the entire world to know how lousy of a financial institution they are. In fact, per my recollection, they almost went under during the financial crisis in 2008, THEMSELVES. I would please ask that you follow up very sternly with them and note this case on file. I am completely disgusted with how I was treated for no reason AT ALL. I not only should have my credit limit restored, but increased, including a letter of apology for the inconvenience. This would be by any common sense standard business practice, the right way to treat an excellent client. Not to mention a person. I thank you in advance for your help in investigating and resolving this matter. Kind Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-26

Philadelphia, PA

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

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

Problem with personal statement of dispute
Complaint: On Friday, XX/XX/XXXX, ( I followed XXXX 's rules and the FTC & called the negative accounts on CRAs. I was disconnected, transferred & repeated my complaint of identity theft to Barclay 's Bank of Delaware! In the 90 minute frustrating & confusion on Barclay 's business tactics of fraudulent business practices with them thinking that I opened account with them in XXXX, they informed me 90 minutes later, that it was opened in XXXX? Then that definitely was not me and they knew/know it was not! I repeated that I opened an account with them about XXXX, I reiterated that I and after XXXX or XXXX never had any major credit cards! In fact, it was not me because after 90 minutes, XXXX informed me the card was opened in XXXX! I repeatedly informed him/XXXX that I stopped using major credit cards before my granddaugfher was born in XXXX! I paid my account balances. I never purchased anything, and never got any bills because I after paying off did not buy nor open another account When I called several months ago, as suggested b the FTC as recovery steps, the lady said, " ... suddenly you started to charge in large increments - {$1500.00} - {$2000.00} & not paying in full as usual! '' No-one called me nor did I receive a bill after paid in full I told XXXX that I did not have any major cards after XXXX or XXXX! I flled a complaint, sent them the proof of my identity theft from the FTC, copies of police reports and all necessary information from the FTC! Barclay Bank is not/has not followed laws for identity theft victims! XXXX thought he could trick me I infer by his tone of voice and arrogant attitude that I do not know how he sleelps nights lied on the Credit Reporting Agencies! I did not open that account 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