BARCLAYS BANK DELAWARE

2015-09-14

FL

Transaction issue

Credit card:

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

Disputed: Yes Timely Response

2015-09-14

Dallas, TX

Other

Credit card:

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

Disputed: No Timely Response

2015-09-14

TX

APR or interest rate

Credit card:

Complaint: On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay VISA Card as part of a Wyndham time-share program I purchased. The Barclay VISA card was used for the down payment. The terms of the Barclay agreement I received on XXXX/XXXX/15 stated that the balance transfer terms were 0 % APR for balance cfers made within 45 days of opening the account. When I received the credit card in the mail about 2 weeks later, the balance transfer terms were stated to be 0 % APR for xfers made 0 days after opening the account. This is an error I would like to get fixed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-14

TX

APR or interest rate

Credit card:

Complaint: On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-13

Omaha, NE

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-09-11

El Centro, CA

Other transaction issues

Money transfers: Domestic (US) money transfer

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

Disputed: Yes Timely Response

2015-09-11

Arco, CA

Other

Credit card:

Complaint: Please be advised that these are the formal complaints that I submitted to XXXXXXXXXXXX ; XXXXXXXXXXXXDear XXXX XXXX XXXX : While reviewing my account XX/XX/XXXX I noticed that I only had a revolving credit line of {$6700.00} dollars. I figured that it must had been an error in the system so I contacted customer service. First, prior to getting the arrival plus card I original approved for a limit of {$7000.00}. I contacted customer service and spoke with a representative and explained if the limit was only going to be {$7000.00} dollars I was n't going to accept the card. After further discussion it was concluded and agreed that the limit would be {$11000.00}. Please be advised that I have been a cardholder XX/XX/XXXX. Per my payment record with you can clearly see that I have always been exemplary customer. However, this apparently means nothing as today I learned that my credit line had been decreased without even being notified or without just case. I am aware of my current credit status and it remains strong. In fact there 's nothing new that 's in my credit that was n't apart of it prior to being approved for the line of credit. Of course, my debt ratio may have been a little high but I am utilizing 0 A.P.R promotions. ( However, with this adverse action it 's clearly going to affect my credit score ). As a cardholder XX/XX/XXXX there was never a decrease in my line of credit and during such time all of my credit cards were maxed out. However, you concluded that I was credit worthy and granted the additional line of credit in the amount of {$11000.00} and there was a clear understanding and agreement with the representative should the card not be at a higher limit I would have declined the offer. Since this time as always I have continued to uphold the highest integrity and responsibility by making any and all payments in accordance with all terms and policies. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. However, today it Barclay 's took an adverse action towards me without any wrong doing on my part. I believe based off my past history with Barclay 's as a customer the actions are without merit and perceived discrimination along with deceitful and unethical business practices. First, in order for me to obtain the {$11000.00} increase it was agreed that I would close my Barclay reward card in which I believe the limit was {$3500.00} and it would be transferred over and it was agreed the card to be closed XXXX XXXX ). I contacted customer service today with these concerns however I did not find it to be helpful as they were not interested in taking a complaint and providing the appropriate channels for resolution and being non-complied to Barclay 's complaint statement. In closing, it is my sincere hope that we can resolve these issues and maintain a long term relationship, however this matter requires your immediate action to prevent further harm. Dear XXXX XXXX XXXX, Please be advised I did receive a call from XXXX and I was very disturbed by the call and the handling of the matter as any of my concerns were address nor was she able to justify the betrayal of deceptive business practices engaged by Barclay employees in regards to them having me to close a trade line I had since XX/XX/XXXX to transfer to the elite card that as of recent an adverse action was taken against it. Therefore as a result of these issues which I feel are violation of consumer rights I will be escalating this matter outside of Barclays in addition I will pay the remaining balance off on my card and discontinue my relationship with Barclays. I have no interesting in dealing or maintaining a relationship with a company that refuse to have integrity and abide by fairness and agreements in regards to its consumers.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-11

La Habra, CA

Payoff process

Credit card:

Complaint: I applied for a credit card to purchase an XXXX XXXX through XXXX XXXX. I have made payments towards the card, just recently, I was charged accrued interest. This interest is causing financial hardship. My intention was to pay the card off within the alloted time, however, financial hardship prohibited me from doing this. My brother XXXX in 2012 and as a result, our family is sustaining financial hardship. My mother is attempting to remain afloat but the loss of his income has now had an impact on my mothers finances. All savings have been depleted. As a result, I have had to contribute financial support to my mom in order to meet everyday expenses. I have only XXXX credit card and this is with Barclay. I am hoping that Barclay will note that I have made the payments as required and when I have the ability, I pay more than the minimum payment. I would like to continue to maintain my credit card with Barclay and look forward to expanding a financial relationship with them. I am only XXXX years old, but due to the XXXX brother have now had to take on added responsiblities. Any compassion on the part of Barclays would be met with very much gratitude. I honestly did not know that the interest was going to be added or I would have made bigger attempts to pay a larger dollar payment. Thank you again for your understanding of my financial hardship.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-10

Unity Plaza, CT

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-09-10

Phoenix, AZ

Making/receiving payments, sending money

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

2015-09-10

Tubac, AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I am the victim of fraudulent activity on my credit. I am in the processes of reviewing all of my accounts and have notify all XXXX creditors. My credit status has been and is currently under a fraud alert. I made a written request to Barclaycard 's on XXXX/XXXX/15 asking how to submit an FTC Fraud Affidavit. I am also requesting information of what is needed to process that request. IE A copy of Barclaycard 's written policies and procedures informing consumers how to request application information and business transactions records about consumers transactions alleged as the result of identity theft, as per the Fair and Accurate Credit Transactions Act ( FACTA ) I have received no response to my request. My letter was sent certified mail on XXXX/XXXX/15.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-10

Winston Salem, NC

Other fee

Credit card:

Complaint: I was charged a finance charge by Barclay 's new XXXX when I made the last payment on time to the US Airways XXXX card that was closed by Barclays. I think this is a fraudulent finance charge on behalf of Barclays.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-10

Wilmington, DE

Customer service / Customer relations

Credit card:

Complaint: My uncle passed away in XXXX. I entered into a contract with a funeral director ( XXXX XXXX XXXX ) for the funeral services and I paid with my credit cards ( Barclay Card US - XXXX XXXX credit card ). After I made the payment, I found out that my uncle had a burial account with XXXX. My uncle 's Financial Guardian ( XXXX of PA ) issued a request to have XXXX send a check to the funeral director for the burial services. The funeral director confirmed to me that he received the payment on XXXX/XXXX/15 but he did n't refund my credit card. He received XXXX payments for the same funeral services. I contacted my credit card company and submitted a merchant dispute on XXXX/XXXX/15. I requested a refund for the {$2500.00} because the merchant received payment via another party ( my uncle 's burial account ) with XXXX. BarclayCard Disputes Team reviewed the case but never contacted me with an update or to request additional documentation before rejecting my claim. The rejection reason given was that the merchant stated he did n't receive a separate payment. Here are my issues:1. Merchant Disputes process : I submitted my dispute to the General Merchant Disputes Team. I received a letter stating that my claim was submitted but then heard nothing as the claim went through the process. Almost XXXX months later, I checked my statement and saw that the transaction was posted to my account. I called to get an update and was informed that the case was rejected. I asked to have the case escalated and to speak to a manager. The Merchant Disputes Team does not have a process to send escalated calls directly to a manager. The Disputes Relationship Manager submitted a call request and I was informed that someone would contact me within XXXX hrs. I received a call that day but I missed it. The manager left a message directing me to call the General Disputes team if I had a question. He did n't provide a contact name, phone number or attempt to call me back. There is no inbound call option to speak to a Disputes Manager and submit an escalation or complaint. Customers must call General Disputes and request a call back. If you miss the call, you start the process all over again. I submitted XXXX additional call back requests and I received a call back XXXX weeks later. 2. Transaction Refund - When I finally heard from a Disputes Manager, I was informed that they needed proof the merchant cashed the burial account checks. It took me a month to get the documentation and resubmit the disputes complaint on XXXX/XXXX/15. I received a call from a Disputes Manager on XXXX/XXXX/15 ( after requesting a call back ). She informed me that she had reviewed my documentation and she would " approve '' the case and submit a request to have the transaction refunded. She said it may take XXXX or more. When I did n't receive a refund after XXXX, I called and submitted a call back request. I had to call XXXX additional times time to get a status update. Each time I was given a different time frame for the transaction refund ( XXXX biz days, XXXX, and finally XXXX by XXXX ). The funeral director for my uncle 's funeral stole money from my family. I was unable to resolve the issue on my own without submitting a merchant dispute. BarclayCard showed no compassion for me during this process. They made a difficult and emotional issue even worse. No one took ownership for this case and despite a request for the Exec Office, no one contacted me to address my complaint. I stated that I was formally submitting a complaint and no one proactively contacted me or created a complaint report.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-09

Clarksville, MO

Rewards

Credit card:

Complaint: XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. This has not yet happened and has been ongoing since XX/XX/XXXX 2015.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-09

Bohemia, NY

Balance transfer

Credit card:

Complaint: In XXXX 2015 I started to write to a girl in XXXX, that I met thru an on line dating site. I am retired for a yr and tired of being alone. I sent her some cash using XXXX XXXX or XXXX in XXXX and XXXX for her to get documents and be ready to move XXXX. In our daily letters she mentioned early on that her dad was deceased for XXXX yrs. In XXXX she asked me to help with an issue, the story was that her deceased dad 's long lost business partner was here, XXXX, and wanted to send to her cash for her elderly mom to live on there XXXX. She asked me to contact this fellow XXXX and to work with him. The guys name was XXXX XXXX. We connected via phone and e mail many times-he asked me to use my charge card accounts to take balance transfers, put that cash into my checking account and to wire that cash to the family XXXX specifically the 'uncle ' of my 'friend ' XXXX, and the younger brother of her mom. He said he wanted to repay my charge accounts using direct electronic deposits from his business account, that they would be business expenses on his records. As he would the next day or 2 after my taking the balance transfers repay my accounts, including the related balance transfer fees, I could check and see the repayment had been made by calling the bank before wiring the funds XXXX. This seemed odd to me, but I was anxious to help my friend and utterly safe to me financially. I had earned an excellent credit history over the years by never being late, and never charging more than I could readily repay. I had already received from l l Bean- Barclays a sheet of 'convenience checks ' to use as balance transfers. I used the XXXX, number XXXX on XXXX. Then on XXXX I wrote out incorrectly # XXXX it did not process. I did use on XXXX # XXXX. When I called and asked for more checks, the person at the bank advised me to just do balance transfers, that they were the " same thing as the checks ''. Shortly after I would call back to Barclays and I always stated that the previous transfer was to have been paid by a 3rd party and asked that it be checked that the transfer and fee had been paid. When the Barclay agent verified the last transfer was paid already I felt entirely safe to take another transfer ( or write another check ) as well as to send XXXX the collected funds. By this means Barclays enabled me to send XXXX {$13000.00} XXXX times and then $ XXXX the XXXX {$9500.00} drawn in XXXX XXXX I still am holding in an account here. All thru XXXX and early XXXX I felt I was being the greatest possible friend to these people, I had no clue this was a scam until I received a letter in mid XXXX that the payments to my cards had all failed, and that I was therefore in debt for this tremendous amount. I also found then that the supposed payments from XXXX XXXX business were instead done by him calling in to the bank CLAIMING TO BE ME, and using some fake account to repay the charges. Again, as I had said each time that the payments were made by a 3rd party, if the Barclay employee had noted they were made by " me '' this could have been averted. Why would I need to ask if my own payment was made? I contacted the Barclay fraud department, to dispute the XXXX XXXX transfers, they stated as I had supplied my account no. to XXXX XXXX XXXX there was no fraud and that I was wholly responsible. My identity had been used to make fake payments each time, I now owed XXXX my maximum limit. I also requested they separate the last {$9500.00} and to treat it as a loan I would repay at the rate of $ XXXX ( I now I have the whole {$9500.00} plus {$500.00} fee/ $ XXXX set aside-I sold an old boat in XXXX XXXX during the following year. They refused to separate the bills and I was advised that to pay any amount would imply I was admitting to be legally responsible for the whole debt. They also told me then
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-08

Hayward, CA

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2015-09-08

Stilesville, IN

Rewards

Credit card:

Complaint: On XX/XX/XXXX, Barclay closed my Barclay Arrival MasterCard account and sent a letter indicating the following : " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement that governs your account. '' Upon receipt of this letter, I called Barclay 's on XX/XX/XXXX and spoke to a manager XXXX XXXX XXXX. I asked him for the reason why my account was closed without any warning and he basically just repeated what the letter had stated and that he could not provide any more details. I stated that I had XXXX Barclay Arrival points in this account that I can no longer access because the account is now closed. The manager stated that there was nothing he could do to get those points to be credited back to me. These points are worth approximately {$3300.00} if they are redeemed towards travel expenses XXXX hotels, airfare, etc. ). I have been a Barclay 's credit card customer since XX/XX/XXXX, and I am unhappy with the way that they have closed my account. I would have appreciated if Barclay 's had at least notified me about what I had been doing that was unsatisfactory, so that I could have avoided being closed. Instead they closed my account without any warning.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-08

Los Angeles, CA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-09-07

Mboro, TN

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-09-07

Del Rey Oaks, CA

Late fee

Credit card:

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

Disputed: No Timely Response

2015-09-07

Hon, HI

Closing/Cancelling account

Credit card:

Complaint: I am writing to describe unfair and deceptive practices exhibited by Barclaycard and XXXX in their handling of the XXXX XXXX XXXX. My father, XXXX XXXX recently received his renewal notice informing him of the {$89.00} annual fee. See attached. In XXXX, he will be XXXX years old, and no longer wishes to maintain his card. In fact, in XXXX, he lost his card and his account is currently blocked to prevent possible fraud. The instructions on the letter is to call the XXXX number if he wishes to cancel the card. Because he has difficulty in hearing, I assisted him in calling the number. I explained the situation to the agent who insisted on speaking with my father. Although he could communicate his desire to close the card, ID 'd him by name birthdate and zipcode, that was not sufficient. I told the agent that they could ask me the questions, and I could communicate with him and provide further authentication, but they refused. I then offered the following suggestions to no avail:1. My Father could write a letter to close the card ( The should have his signature on file to compare ) 2. I could have his signature notarized. 3. I also suggested that since this is a XXXX card product, I could bring him into a XXXX Branch to authenticate his request. ( he has ID ). They told me the ONLY way to cancel the card is through the phone. And if they can not identify him, they can not cancel his card. I sincerely believe that Barclaycard is purposely making it difficult to close the account simply to obtain the annual fee. I believe that there are many customers in this situation that are being held hostage, and end up paying the annual fee. Truly a deceptive practice.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-07

Atlanta, GA

Customer service / Customer relations

Credit card:

Complaint: I previously contacted Barclay Bank regarding inaccurate information listed on my credit report. In XXXX of 2014, I spoke with XXXX at extension XXXX. She informed me that I had a balance of {$200.00}, and that the balance could be settled for {$100.00}. I asked her for the full account number, and she informed me that it was XXXX. I informed her that this is not the account number that Barclay has listed on my credit report, which is XXXX. I called a couple of weeks later and spoke to a representative named XXXX. She informed me that the inaccurate account would be deleted from my credit report. It was not deleted, so I filed a complaint with the XXXX. I received a correspondence from XXXX with the office of the president who validated the account listed on my credit report. I filed another dispute with the consumer financial protection bureau, and XXXX again responded, stating that the account listed on my credit report was accurate and that they would not correct or delete the invalid account number.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-07

Watkins, CO

Rewards

Credit card:

Complaint: Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-06

NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: My mother passed away this week and with that I found out that she had taken credit cards out in my name.I did not know about these cards until this week. I have no way of accessing these accounts and do n't even know where these cards are.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-05

Accomac, PA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response