BARCLAYS BANK DELAWARE

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, as well as the Better Business Bureau. 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

Philadelphia, PA

Customer service / Customer relations

Credit card:

Complaint: I filed an complaint with Barclays bank of XXXX on XX/XX/2015, I advised Barclays that, Title 15 U.S.C. 1681s-2, " 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 XX/XX/2015, I will file a complaint with the CFPB, as well as the XXXX. As of today XX/XX/2015, 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 CRA
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-19

Berthoud, CO

Payoff process

Credit card:

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

Disputed: No Timely Response

2015-10-19

Oxford, GA

Payoff process

Credit card:

Complaint: I have a UPromise MasterCard. On XXXX XXXX, 2015, I made a payment over the phone from my bank account to pay off my entire current balance on my UPromise care, a little over {$9000.00}. By their records, the payment was processed the next business day XXXX XXXX. However, even though they have processed the payment, they will not clear my account and are continuing to charge me interest until XXXX XXXX at XXXX! The UPromise agent I spoke with over the phone was unable to explain to me the rationale behind this. This seems like an immoral if not illegal practice to take payment, hold both my money from the bank and to charge me interest for a week. That dollar amount is too small to financially be worth my time in small claims court, but if UPromise is doing this to other credit card holders, they stand to make a pretty large sum of money.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-10-19

Fort Collins, CO

Payoff process

Credit card:

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

Disputed: No Timely Response

2015-10-19

Magnolia, TX

False statements or representation

Debt collection: Credit card

Indicated shouldn't respond to lawsuit
Complaint: I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-18

Phoenix, AZ

Customer service / Customer relations

Credit card:

Complaint: I have a William-Sanoma Signiture Visa, it has been paid off for a few month and chose to use it at XXXX on the XXXX XXXX XXXX on XXXX and the decline a XXXX and change transaction. I called find out why and the rep could really figure it out,. I told then I did not need the card and he put me on hold for XXXX minutes and XXXX seconds. That is abusive and i believe they did it on purpose so I would hang up and not bother closing my card.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-16

Brooklyn, NY

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-10-16

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, and to get it reported on my report as closed by credit granter, which is decreasing my credit score significantly. When I questioned them as to why they decided to grant my request to close it? their answer was since I drastically want over my credit limit. 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 already almost full balance. All this happened only after I warned them I 'll 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 the account right after the statement closed with a high balance, which is ruining my score as well. 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 the rewards I legally errand by using the card and paying for it. In the past they also once in error stopped a check sent to me causing me damage. NEVER SEEN A BANK BEING SO STUBBORN NASTY!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-16

MA

APR or interest rate

Credit card:

Complaint: I bought XXXX computer using barclay card with 0 % APR for 12months. I was paying {$100.00} every month. In XXXX 2015 the remaining balance was {$200.00} and was charged with XXXX dollars of interest for not paying off entire balance on time. It turns out that it was deferred interest card. Well nobody told me that when I was signed up for card. What kind of practice is that? They made XXXX and lost customer. I will never use barclay services.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-10-14

Bronx, NY

Other fee

Credit card:

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

Disputed: No Timely Response

2015-10-14

Aurora, CO

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-13

Ft Belvoir, VA

Credit determination

Credit card:

Complaint: I used my credit card ( Barclay Card ) to paid XXXX to buy Spirit XXXX and also I was paid extra XXXX for shipping insurance for cover any damage to my shipping. After I received shipping XXXX of XXXX bottle was damage I was dispute to my credit to refund or credit back, after I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I do n't have license to ship back XXXX ( after I checked with XXXX and XXXX and XXXX XXXX will confiscate ). My credit card was closing my case and also run report to the various credit agencies because my dispute XXXX Barclay card had insurance cover for 90 days for anything if I not satisfy ). I was repeat to ask XXXX to pick up or sent label for me to return but I never get response During dispute I can not get charge or financial on my credit but Barclay Card was charge ( It is again a law and report account information to consumer reporting agencies ).
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-12

Charlotte, NC

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-10-12

Brooklyn, NY

APR or interest rate

Credit card:

Complaint: I had a card account with XXXX card made every single payment on time, they decided to add a annual fee to my account so I asked them to close my account, since then they are charging 20 % APR it will take over 18 years and XXXX dollars to get completely paid of. Please help me out with this issue I do n't have extra money and this is very hard on me. Thank youXXXX XXXX
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-10-10

Jupiter, FL

APR or interest rate

Credit card:

Complaint: I applied for the Barclays Arrival Plus card on XXXX XXXX, under what I believed to be a 0 % introductory APR for 12 months on all purchases. In reliance on that perceived 0 % APR, I spent approximately {$8000.00} on the card while paying down other cards. I was shocked to review my statements and find that I had been charged {$130.00} in interest over the past XXXX statement cycles. The statements made no mention of the 0 % APR I believed I had applied for. I called Barclays customer service and spoke to XXXX. She claimed that the Schumer box on my application made no mention of an introductory APR for purchasesXXXX I always read Schumer boxes, and would not have applied for the card if the box indicated otherwise. XXXX claimed the burden of proof was on me to provide a screenshot of the box on the initial application - a ridiculous standard. No consumer should ever have to systematically record every interaction with a financial institution in anticipation of being deceived! There are XXXX possibilities here. The first possibility is that the Schumer box did mention a promotional APR of 0 %, but a glitch in the system at Barclays led this to drop off the application. In this case, I am clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. The second possibility is that the Schumer box did not mention a promotional APR on purchases, but that the marketing materials for the card were in some way deceptive or abusive. In the case of a XXXX violation, I am also clearly entitled to a resolution of a refund on all interest paid, plus the application of the original 0 % APR. I have attached the application landing page currently used to promote the card. In bold font, this page clearly calls out a " 0 % Introductory APR for 12 months. '' Additional copy mentions that the offer only applies to balance transfers made within 45 days of account opening. But the use of bold font, combined with the exact phrase " 0 % Introductory APR for 12 months, '' XXXX strongly imply that the promotional APR applies to purchases as well as balance transfers. I believe this meets all XXXX prongs of the test of Deceptive Practices per XXXX regulations:1. The act or practice misleads or is likely to mislead the consumer ; ( I have clearly been mislead in some way, since I reasonably believed I had a 0 % promotional APR on purchases. ) 2. The consumer 's interpretation is reasonable under the circumstances ; XXXX I develop similar XXXX assets for a living and am well-versed in XXXX compliance, and have never had a negative experience with another bank or card issuer until now. ) 3. The misleading act or practice is material. ( I have been charged {$130.00} in interest, and would be charged over {$1000.00} in the next year given my current balance. ) I would encourage a full audit of all marketing assets used to promote this card, and demand appropriate resolution of my case.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-09

Enfield, CT

Credit card protection / Debt protection

Credit card:

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

Disputed: No Timely Response

2015-10-09

Chesterfield, MO

Transaction issue

Credit card:

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

Disputed: No Timely Response

2015-10-09

Lafayette Hl, PA

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-10-09

Douglasville, GA

Credit monitoring or identity protection

Credit reporting:

Problem cancelling or closing account
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-09

Grosse Ile, MI

Credit line increase/decrease

Credit card:

Complaint: I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-09

FL

Unsolicited issuance of credit card

Credit card:

Complaint: I have a XXXX XXXX CARD number XXXX recently this card have many problems, on XXXX XXXX they charged me XXXX $ + XXXX $ for a TOTAL of {$1000.00} for annual fees for XXXX XXXX CREDIT CARD, the last month BARCLAY decided to change without authorization the Card and my account to a XXXX CARD, I am not agree with this change and asked them to close my account an refund the annual fees. Now, they closed the account and told me that are " unable to refund the fees '', this is a fraud and its happening with many clients, please help. Thanks, XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-10-08

Brooklyn, NY

Late fee

Credit card:

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

Disputed: No Timely Response

2015-10-08

Manchester, NH

Balance transfer

Credit card:

Complaint: Two problems:1. My monthly statement includes, in the minimum payment amount, interest over the preceding month separately calculated on my purchase and balance transfer balances ( also cash advance balance but I have no cash advance balance ). I always pay more than the minimum payment yet my balance transfer amount sometimes increases from month to month. The minimum payment amount should indicate the interest actually charged on the balance and if I make the minimum payment the balance should not go up. The bank explained that the reason the minimum payment interest allows my balance transfer balance to increase even though I pay the full minimum payment every month is this : the minimum payment interest amount reflects interest calculated on a monthly basis, but the actual interest charged is calculated on a daily basis. 2. Even though I 've paid more than the minimum payment every month since first incurring a balance transfer charge of around {$480.00} XX/XX/XXXX, now XX/XX/XXXX the balance transfer balance is still {$480.00}. In other words my balance transfer balance appears to be a virtually perpetual source of income for the bank. The bank should allocate any excess over minimum payment I make to my XXXX accounts based on their relative size. My balance transfer balance is XXXX of my total balance. It should get XXXX of any excess payments over the minimum I make ( and of course the minimum should include full interest charged ).
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-10-08

MD

Billing disputes

Credit card:

Complaint: I had a promotional balance that expired XXXX/XXXX/2015. The XXXX/XXXX/2015 statement balance was XXXX. I paid the full statement balance in XXXX XXXX and XXXX. Barclays did not apply the payments to the promotional rate and instead applied it to charges that were made after the statement generation date and not do an payable until the next statement generated. I was charged XXXX in interest on XXXX XXXX XXXX. I was told they were allowed to apply my payment to charges made after the statement generation date and not to the promotional balance which was paid in full XXXX times prior to expiration. I am also forbidden from " pre-paying '' charges until the next statement. It is a trap designed so that I can never pay off the promo balance.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response