BARCLAYS BANK DELAWARE

2015-08-18

PA

Balance transfer

Credit card:

Complaint: I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-18

Natrona Hts, PA

Billing disputes

Credit card:

Complaint: On Friday, XXXX XXXX, 2015, I called the phone number on the back of the XXXX XXXX XXXX XXXX issued by Barclays Bank Delaware to determine if our family 's checked bags on a forthcoming trip to XXXX XXXX XXXX would be free based on the terms of the credit card. The Barclays customer service representative told me that up to one checked bag would be free for the card holder as well as one per each passenger traveling with the card holder. Based on this information, I packed four checked bags as we were traveling with the cardholder and three additional passengers. In addition, in response to my inquiry as to procedure for claiming the benefit, the Barclays customer service representative told me that on the day of travel, all I would need to do was show my credit card to the XXXX Airways desk agent and s/he would waive the per checked bag charge of {$25.00}. On Sunday, XXXX XXXX, 2015, we went to the airport for our flight. There was a long line to check in and we were told by the one and only XXXX Airways agent supervising check in that we would first need to check in at the electronic kiosks to be permitted to get on the line to check bags. We went to the kiosk and were prompted to make payment for the four bags we were checking. We made payment as, based on our conversation with the XXXX Airways agent supervising check in, we understood that we first needed to check in at the kiosk to be able to even get on the line to check bags. There was no XXXX Airways representative in the kiosk area to answer our questions. When we got to the front of the line to check our bags, we were told by the XXXX Airways representative that we had incorrectly paid the fee at the kiosk and that we should have entered " 0 '' checked bags. She said that now that we had paid the fee in the amount of {$100.00} we would have to call the number on the back of the card to get the charge reimbursed. I argued with her that I had called the number on the back of the card two days earlier and was told that I needed to show the card to her. I told her that we were being sent in circles between the Barclays card representative and herself. She then asked me if I wanted to get on the flight or not but that if I did I needed to step aside. I took that as a threat and felt as if I had no option but to call the number when I returned. At no time did the XXXX Airways representative indicate that the baggage fees were not reimbursable ; rather she simply indicated that she did not have the authority to reimburse us the money. She represented to me that I could get the {$100.00} credited to the card by simply calling the number on the back of the card. With that understanding, I relinquished my bags and boarded the flight. I again paid the {$100.00} checked bag fee in XXXX, XXXX XXXX XXXX upon my return based on my reliance on the information provided to me by both the Barclays customer representative I had spoken with on XXXX XXXX XXXX, 2015 and the XXXX Airways representative I had spoken with on XXXX XXXX, 2015. I called to have the amount reimbursed on Tuesday, XXXX XXXX, 2015. I was told by each of XXXX XXXX representative XXXX XXXX XXXX XXXX as well as the Barclays credit card representative XXXX XXXX, ID # XXXX ) that while I may have been given misinformation by XXXX their entities, I was not entitled to a refund per the terms and conditions of the credit card. If I had been given the correct information by the credit card representative on Friday, XXXX XXXX, 2015, I would have brought four carry on bags and would not have incurred the cumulative {$200.00} charge. Each of Barclays and XXXX Airways employees fraudulently induced me into spending {$200.00} by providing me inaccurate information.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-16

Southern Pnes, NC

Advertising and marketing

Credit card:

Complaint: In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-16

Wilm, NC

Billing disputes

Credit card:

Complaint: I transferred a {$6700.00} balance to my Barclay XXXX credit card in XXXX, 2015. I transferred what I thought was that balance plus some ( {$6800.00} ) OUT of the account 14 days later. Now EVERY SINGLE MONTH since I 'm charged interest on that Barclay card even though I pay off my statement every month. When I called the card company, they said that even though I transferred out the amount that I transferred in, they see it as I still owe interest on that money. They said that the only way to make it go away is that I pay off my statement balance AND any transactions that occurred AFTER the closing date of that statement balance. In other words, PAY MORE than what my ending balance is every month. They have credited me back the interest so far, but I have to call them every single month to get them to do that. There is something seriously wrong with this practice and it almost seems illegal.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-15

Ellsworth, WI

Delinquent account

Credit card:

Complaint: Barclay 's Reward Credit Card is reporting that I am more than 30-days past due to all of the credit bureaus. They are stating that the last payment they received from me was on XXXX XXXX, 2015. This is incorrect. I made a payment on XXXX XXXX, 2015, in the amount of {$200.00}, which brought my account current and prevented it from being late or being reported late to the credit bureaus. As of XXXX XXXX, 2015, I received notification that Barclay 's is reporting that they never received my payment of {$200.00} on XXXX XXXX, so they are reporting me to the credit bureaus as 30-days late. This is inaccurate. Barclay 's has opened up a " missing payment dispute '' case internally with themselves and I have provided them a copy of my bank statement showing where the payment was taken out of my bank account. They are still in the process of investigating this, but being reported 30-days late to all credit bureaus by Barclay 's is severely affecting my credit report and needs to be addressed immediately, since I have provided all the documentation to prove that I made my payment on time. Barclay 's needs to update my credit report to reflect that I am NOT 30 days late, since I have provided all of the documentation that was requested of me by them to support my claim that I paid on time and the error lies with Barclay 's.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-14

Oregon City, OR

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-08-14

TN

Billing disputes

Credit card:

Complaint: I have received a duplicate charge on my XXXX XXXX Credit Card. Barclay card has submitted me documents pertaining to the charge. I filled out all valid info and wrote detailed info as to why it was duplicated. I also showed what card they processed the refund on my contract. Barclay is telling me that they received my fax after the allowable time and will not process my dispute. They charged it back to my card and accrued higher interest adding to extra income on their side. I do not believe this is within the guidelines that a credit card company is suppose to act. I received the XXXX letter and submitted the documents via fax two days later. They advised it was after the 5 day period and ca n't process the dispute.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-13

Scottsdale, AZ

Billing statement

Credit card:

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

Disputed: Yes Timely Response

2015-08-13

Park City, IL

Cash advance fee

Credit card:

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

Disputed: No Timely Response

2015-08-12

Blue Springs, AR

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-08-12

Naples, FL

Other

Credit card:

Complaint: XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Cleveland, OH

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-08-11

Brookline, MA

Customer service / Customer relations

Credit card:

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

Disputed: Yes Timely Response

2015-08-11

Empire State, NY

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2015-08-11

Coalinga, CA

Credit line increase/decrease

Credit card:

Complaint: My credit limit with my card is {$8000.00}. I wanted to make a purchase for about {$15000.00} on the card, and so therefore, I prepaid my credit card by {$7000.00} to effectively increase my spending limit to {$15000.00}. The card issuer did not restrict me from making the prepayment and therefore I did so. When I made the purchase, it was declined. Upon talking to customer service at the credit card company, they said that the act of prepaying the card does not increase temporary increase the credit limit -- contrary to intuition of providing the card company with a secured prepayment. I then authorized a hard pull on my credit to see if the limit could be permanently raised to {$16000.00}, taking into consideration the prepayment. The hard pull was performed and the request was denied. This hard pull will impact my credit for the next two years, and the company would not allow me to consolidate this hard pull with a previous hard pull I made to increase my credit line in XXXX 2015. In summary, I would like to make a {$15000.00} purchase with my card, and I prepaid the card by {$7000.00} thinking the limit of {$8000.00} would be effectively raised to {$15000.00}. This card company will not allow me to do so, and I believe it should since I provided a secured prepayment.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-10

Jacksonville, FL

Payoff process

Credit card:

Complaint: I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-10

Spokane, WA

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-08-08

Katonah, NY

Other fee

Credit card:

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

Disputed: No Timely Response

2015-08-07

Windsor Castle, PA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-08-06

Wichita, KS

Payoff process

Credit card:

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

Disputed: No Timely Response

2015-08-06

Friendly, WV

Payoff process

Credit card:

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

Disputed: No Timely Response

2015-08-05

South Waltham, MA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-08-05

Hollywood, FL

Other

Credit card:

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

Disputed: No Timely Response

2015-08-05

Brookline, MA

Customer service / Customer relations

Credit card:

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

Disputed: Yes Timely Response

2015-08-05

Silver Spring, MD

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: UPromise XXXX serviced by Barclaycards : The telephone access system requires a SSN and zip code to be entered via keypad in order to access account information, including transactions and payments. No pin is required. My ex-husband knows my SSN and zip code and was able to access my account information each month. I requested a telephone pin be set up, but they would only offer a verbal pin and not XXXX for the keypad. As a result, my information was compromised and illegally accessed.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response