BARCLAYS BANK DELAWARE

2015-10-27

FL

Other

Credit card:

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

Disputed: Yes Timely Response

2015-10-26

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-10-26

Medford, OR

Managing the loan or lease

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-10-26

Bellaire, TX

Advertising and marketing

Credit card:

Complaint: Per Barclay Arrival + XXXX account # XXXXThe account was suddenly and unexpectedly closed with creditor Barclay along with my earning of points reward, a letter was received few weeks after, with a closure reason due to history of account usage, and never more of it. Now the account has been in a good stand for a whole year since 2014, never late, never cycle the credit limit, the purchases is always under XXXX for monthly spend, I have earned their points award system on a legit base from daily spend, and the membership fee has been paid. There is no reason that they cancel and confiscate all my points reward. It is safe to say that Barclay is without a legit ground to close my account due to my positive balance of points remaining on the account, which I have been accruing without any recent redemption. This is regrettably a shady business to say that Barclay close mine account due to the payout I 've legibly earned in saving their cost from paying out the reward. I would like my case to compensate me back all my reward points as into travel credit in form of check, along the credit of my recent membership fee that I 've just paid.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-26

Brooklyn, NY

Rewards

Credit card:

Complaint: I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-26

CA

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old debt
Complaint: Received a phone message with message of intent to sue for non-payment. Multiple family members and friends received the exact same message with my name, at the exact same time that day. I was unaware of this debt, having thought it was included in our bankruptcy. Upon some research I was able to determine this debt was over 9 years old. I am unable to pay as I am the only working and my husband is out on a medical injury, soon expecting surgery. I am unable to make such a substantial payment, and they have indicated I need to do so within 48 hours or they will take me to court and I could 'lose everything '. When contacted, the company would not allow me to speak to any of the named individuals ( each family member gave me a name of who called, all were the same first name but different last name ) only telling me that, that person was not available. I got the distinct feeling no such person existed.The number came up on everyones phone as blocked or restricted, however the number was quickly mentioned on the phone message.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-26

Wrangell, AK

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-10-26

Kailua Kona, HI

Application processing delay

Credit card:

Complaint: I paid a portion of my credit card bill on XXXX different Barclay 's Bank cards. The debits appeared on my bank statement today, XXXX XXXX, but there are no credits on my card statements. They say it will be posted tomorrow, the XXXX. That means I am paying interest for XXXX hours to the card company on {$12000.00} that they have already received from my bank. If they do that for thousands of customers, possibly millions of dollars, they could be over charging customers for millions over the years.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-23

Brooklyn, NY

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-10-23

Brooklyn, NY

Closing/Cancelling account

Credit card:

Complaint: I had few accounts with Barclaycard US and called them in to get my accounts closed. They then asked me to stay on with their company, in exchange for a retention offer, which they promised to put bonus points on my account, after some different charges I will put on my account. so I stayed on with them. However, I soon realized this was a gimmick, and they did n't even give me the chance to do so. it was just for them ; to be able to suddenly close it without notice, instead of me doing it, so to be able to steal my rewards, and to get it reported on my credit report as closed by credit granter, resulting in a significant decrease to my credit score. Also they charged me interest on a balance transfer after assuring me I wo n't be charged. When I questioned them as to why they decided to grant my request to close it..? their answer was : 1 ) since I drastically went over my credit limit, 2 ) had three returned payments, 3 ) opened to many accounts past year. To Clarify : 1 ) This is odd even if I would 've not have paid, as with every other bank either they do n't allow you to overcharge, or it 's no issue, especially weird of course after I paid almost full balance. And even more strangely upsetting after advising them that these charges were made without my consent. 2 ) Explaining them issue with returned payments, furthermore, In the past they also once in error stopped a check sent to me causing me damage and bad image. 3 ) I had no problem while starting the relationship with them, although I always had many accounts. 4 ) In addition to the above referenced account, all other accounts including my wife 's, were closed, even where no issue occurred at all. All this happened only after I warned them I 'll report them to the CFPB, and start litigation against them, since they were refusing to send a mid cycle update to the credit reporting bureau about a very large payment I made on my spouses account, right after the statement closed with a high balance, saying they do n't do this service, no matter damages causing you, which is ruining my score as well, being that I am an AU on the account. Despite the fact, that they did update right away the closure of my account done by them, even though it was still open on the closing date of the statement. They are not acting in good faith as every other bank would 've done to send an update to the bureau, even after I advised them of the damage it 's causing to my report having a large balance. They are also refusing to rectify the reporting as closed by consumer. I had a very big lost by using their cards above other companies, especially that they are not allowing me to redeem my rewards I legally earned by using the card and paying for it. I also just upgraded my aadvantage card to be able to earn XXXX miles and lost out on that as well. Barclays bank is being misleading and violated federal regulations by charging me interest on a balance transfer I was promised it will be free of interest. NEVER SEEN A BANK BEING SO UNFAIR MISLEADING, STUBBORN NASTY, UNACCOMMODATING, AND IMPROPER!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-23

Memphis, TN

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was discharged in bankruptcy
Complaint: I received a call from XXXX XXXX XXXX XXXX regarding a credit card debt from XX/XX/XXXX. I didnt recall the credit card company at first & I informed them that any debts prior to XX/XX/XXXX were included in my bankruptcy. He then tried to convince me that " I '' was wrong or could be mistaking, I told him that I have my documentation and that I needed to locate it and call him back. He then told me that I had to find it while he was on the phone becasue if we ended the call without a resolution they would file a judgment. I told him they were being unreasonable to expect me to find paperwork over 6 years old while on the phone with him because I was getting ready for work as well. He then said " so what you are telling me is that you are not willing to take are of this debt willingly '' I told him no I didnt say that and asked him not to put words in my mouth. He went on to threaten me with a suit and judgment so I disconnected the call. I then contacted the attorney that filed my bankruptcy case but she was not in the office today.So I left messages with the receptionist. IN the mean time, I did locate my bankruptcy paperwork and called XXXX back with XXXX XXXX. I told him I have the XXXX that shows this. He asked me to send it that shows the full account number. I told him that it does not show the full account number. He then said that I could n't prove that that was the account in question and that I did n't have more than one account. I told him that was the only account that I had and that I ca n't do anything about the legal document not showing the full account number. He then threatened me again with filing judgment. I called Barclays the original creditor and spoke with XXXX ID XXXX & he verified by SSN that I only had that one account, that it was in listed as a bankruptcy & gave me the full account. I asked if they could give me some type of documentation, he said because they sold the account there was nothing that he could send me to help me but to contact them back, send them the document that I have, provide them with my bankruptcy case # and they have the legal obligation to verify it. I sent this information via email to XXXX at XXXX, he then called me back stating that it is my attorneys fault that they did n't file the full account number, the correct date or remove the fees from the amount and for these reasons they are going to collect. I told him I have verification that I provided to them as well as Barclays verified it. He then offered me a settlement amount saying to just pay for it to go away so that I wont have attorneys fees or so that it is n't on my credit. I told him that would be accepting responsibility for this debt which I am not responsible for. He threatened me with attorneys fees, court etc. I asked for a manager he stated he was one, I asked to speak to their attorney he said they do n't speak to consumers. I have provided them with all of the documentation as well as my bankruptcy case number to prove that I am not responsible for this debt and there is no resolution other than being told that I would be taken to court and have to pay as well as attorneys fees. He has admitted that they are trying to collect because the statute of limitations expire in XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-10-23

Opelika, AL

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-10-23

Brooklyn, NY

Delinquent account

Credit card:

Complaint: I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-23

Brooklyn, NY

Closing/Cancelling account

Credit card:

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

Disputed: Yes Timely Response

2015-10-22

Cary, NC

Balance transfer

Credit card:

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

Disputed: No Timely Response

2015-10-22

Oakland, FL

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-10-21

Big Lake, IN

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: Yes Timely Response

2015-10-21

Orion Twp, MI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-10-21

Ft Belvoir, VA

Rewards

Credit card:

Complaint: I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-21

Brooklyn, NY

Balance transfer

Credit card:

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

Disputed: Yes Timely Response

2015-10-20

Kenosha, WI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-10-20

Wrangell, AK

Other

Credit card:

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

Disputed: No Timely Response

2015-10-20

Philadelphia, PA

Customer service / Customer relations

Credit card:

Complaint: I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, XXXX. As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-20

Ellenwood, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2015-10-20

Cane Creek, AR

Billing disputes

Credit card:

Complaint: I submitted a payment with Berkley XXXX for XXXX on XXXX/XXXX/2015 through my credit union checking account. The payment confirms the last XXXX of the checking account number. My bank informed me that XXXX tried to run it through my savings account. The payment was declined and I was accessed a fee by my bank. My bank waived the fee as the fault was not mine and informed me I needed to contact visa and tell them to be sure to rerun it as a checking account. After numerous calls to Berkley all I get is that the payment was honored, they did not submit it through savings, and there is nothing they can do. The fact that the calling center is out of the country is only compounding the problem. I offered to resubmit the payment on my debit card if they would cancel the other payment. They said they could not do that. So at this point I am going to be assessed nsf and late fees on my credit card as well as be reported last to the credit bureau through no fault of my own.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response