BARCLAYS BANK DELAWARE

2015-08-27

Hutchinson, KS

Other fee

Credit card:

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

Disputed: No Timely Response

2015-08-26

Los Angeles, CA

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-08-26

Santa Clara, CA

Other fee

Credit card:

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

Disputed: No Timely Response

2015-08-26

Los Angeles, CA

Other

Credit card:

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

Disputed: No Timely Response

2015-08-25

Hauser, ID

Rewards

Credit card:

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

Disputed: No Timely Response

2015-08-25

Washington, DC

Other fee

Credit card:

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

Disputed: No Timely Response

2015-08-24

Albuquerque, NM

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-08-24

Branson, MO

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: Yes Timely Response

2015-08-24

Brooklyn, NY

Problems caused by my funds being low

Bank account or service: Other bank product/service

Complaint: I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-23

Grand Prairie, TX

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: Yes Timely Response

2015-08-23

San Diego, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: A few months ago, I received a voice message apparently was about my Barclay Credit Card. I returned their call to clarify the matter, but the person I talked to started to ask for my personal information including my SSN. Knowing that I do n't have any credit card with Barclay, I readily said that I am not giving any information about myself because I do n't have any credit card with Barclay and I have no intention of applying for XXXX. I continue to receive phone calls from them in which I did not pay attention for obvious reasons. Until I heard another voice mail that it was now under fraud investigation. Out of curiosity, I again returned their call. When I asked about the fraud investigation, the guy again started to ask for my personal information which I refused. I told him that I do n't have any credit card issued by Barclay and if there are applications under my name, they should not approved them. On XXXX XXXX, 2015, I received a mail from certain XXXX XXXX dated XXXX XXXX, 2015 informing me that their investigation has concluded and the fraud claim has been denied. That, I will be responsible for the payment on the account as well as any applicable associated fees and finance charges. I immediately responded to XXXX XXXX on XXXX XXXX, 2015 informing them again that I did not apply for any Barclay cards and have no intention of applying for XXXX. That I will not be responsible for the payment of any account relating to any Barclay Cards for it is obviously fraudulent. When I was checking my credit score yesterday via XXXX XXXX, I was so upset to learn that I have a past due account with Barclay amounting to {$1700.00} which is now XXXX days late with XXXX missed payment and at 86.15 % credit utilization. Apparently, the account was open last XXXX XXXX, 2015 but was just recently reported to the credit bureaus. This account was only added to my credit report after my last update on XXXX XXXX, 2015. I immediately filed disputes to all XXXX credit bureaus about this account. This fraudulent transaction had significantly affected my current credit score. Thus, this complaint.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-21

W Bloomfield, MI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-08-21

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2015-08-21

Lynn, MA

Other

Credit card:

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

Disputed: No Timely Response

2015-08-21

TX

Billing disputes

Credit card:

Complaint: I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-21

Norwalk, CA

Credit line increase/decrease

Credit card:

Complaint: On XX/XX/XXXX, I was charged interest for purchases made in XX/XX/XXXX
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-21

VA

Late fee

Credit card:

Complaint: I set up automatic minimum payments for all of my consumer credit cards in XXXX for automatic payments to begin in XXXX, XXXX of those accounts being a Barclaycard Account. My barclay payment was due on XXXX and on XXXX I received an email from them asking if I forgot my payment. I immediately logged in to my account to find out that my monthly minimum payment had not been made and as such, a late charge was accessed to my account. I made a manual payment and sent an email to barclay asking what happened with my auto payments. After 2 or 3 days with no reply, I called barclay. Not only was I concerned with the fact that the auto payment was n't applied, I was requesting that the late fee be removed as I felt this was their error. After waiting on hold for nearly XXXX minutes, the rep advised me that my auto payments were submitted successfully but they were submitted after my cycle end date, so they would n't begin until XXXX payment. I completely understand this, although none of my other credit cards do this, and apologized for the confusion. I asked if she would, out of courtesy, refund the late fee. She refused to do so because it was a " valid '' charge. I spoke with her manager XXXX who advised that she wold have refunded it already if she could, but the system wo n't allow it. I feel as if Barclay is taking advantage of me as a consumer by not readily disclosing their policies, especially when the differ so much from other companies. I should have received something from them letting me know my XXXX payment would not be paid automatically so I could have made the payment myself.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-20

Piscataway, NJ

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 non-monetary relief

Disputed: No Timely Response

2015-08-20

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-08-20

Belleview, KY

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-08-19

Milford, MA

Late fee

Credit card:

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

Disputed: No Timely Response

2015-08-19

Flushing, NY

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 monetary relief

Disputed: No Timely Response

2015-08-19

AZ

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-19

Fairfax, VA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-08-18

Everett, WA

Disclosure verification of debt

Debt collection: Credit card

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response