BARCLAYS BANK DELAWARE

2019-07-22

Clearwater, FL

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-21

NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/2019 my credit card was charged {$99.00} for an annual subscription of XXXX XXXX XXXX magazine. This was an unauthorized charge and I attempted to call the XXXX but was directed to a website where I entered in my desire to cancel. I got no result. I performed this action again and received the same non result, nor any correspondence. Meantime, I sent an email to Barclays as soon as I received my statement with the charge. They were barely helpful, repeating the 800 #, and asking me to call their dispute department. The problem is each time I called, it took 30 minutes or more to explain the issue and at the last attempt, the representative actually laid the phone on the desk, and I had to start the process again! I have tried to enlist Barclay 's help with the disputed charge, via email and voice calls, but, given the time elapsed, I have now seen my credit score lowered by 50 points as the account has been declared delinquent. That is unfair and detrimental to the well being of myself and my family and might have an impact on my ability to find work in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-20

Blackbird, DE

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I XXXX XXXX have a credit card with Barclay for over five years. My credit line was XXXX XXXX dollars. On XXXX XXXX I received a letter from the company stating their were cutting my credit line. The letter was dated XXXX XXXX. I didn't understand the letter because I WAS NEVER LATER, NEVER PAID THE MINIMUM ALWAYS OVER SO I COULDN'T UNDERSTAND. I Called the company to redeem my rewards, and was told that I could use them toward my payment. i believe this started the whole thing. My plan was to take the bill down, i was paying {$120.00} and I wanted to add the {$31.00}. I received notification the my credit score had dropped from XXXX to XXXX because of Barclay report. Barclay is always sending communication on surveys and other notification. Why couldn't they notify me about cutting credit line before the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-19

Cocoa, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2019, I purchased two ( 2 ) XXXX XXXX XXXX sofas from an online website named XXXX. On the website, the sofas were listed at {$1300.00}, and I received an initial 10 % off discount code for a first time buyer. The website stated Free shipping for all orders over {$50.00}. I added the aforementioned sofas to my cart, and proceeded to checkout with my Barclays XXXX XXXX XXXX MasterCard. Checkout was denied because the merchant had an established maximum purchase limit it would process. So I had to split my purchases and buy the sofas separately. After I thought I finalized the purchase, the merchant contacted me and informed me I would have to pay a separate fee of {$670.00} for import duties/fees/taxes. I thought the items were coming from XXXX. At the time of purchase, XXXX stated the delivery date would be within 2 weeks ( see attached screenshot ). I did not hear from the merchant, so I contacted them and asked if the items were being shipped, and if so, how long would it take for me to receive them? The merchant responded 55 to 70 days. I then asked if they were coming from XXXX, which he replied Yes. At this point, the merchant had made the following misrepresentations on its website : ( 1 ) Free shipping on all orders over {$50.00}, ( 2 ) Expected delivery date within 2 weeks of the order, ( 3 ) The items were in stock, and lastly ( 4 ), the merchant did not list that there would be any additional charges for import fees. At that point, I tried to negotiate in good faith with the merchant a compromise, but we could not agree on any terms. The merchant stated I would be charged a cancellation fee, which was not listed on their website at the time of this purchase. It has since been changed to reflect so. On 3 or more separate occasions, I instructed the merchant to cancel my order, which he failed to do so. I waited two ( 2 ) days for his response to allow for cancellation. The merchant subsequently canceled my order and provided a partial refund minus an undetermined amount for a restocking fee. After two ( 2 ) days elapsed, I contacted Barclays MasterCard and disputed the charges based upon false misrepresentations of price, delivery date, availability, and additional import charges. To date, I have not received any items from this merchant. I do not have anything that belongs to them, and I did not sign any binding contract. On or about XX/XX/2019, I received 4 letters from Barclays. In general, Barclays closed my dispute as resolved in my favor. However, they assessed me an unspecified amount awarded to the merchant as a restocking fee. According to the merchant, it was 25 %, but nobody at Barclays can confirm the specific amount. I've been told a range of {$340.00} to {$640.00}. This merchant was removed from XXXX for fraudulent/scam like activities ( see link https : //XXXX ). If link doesn't work, search " scamsellers XXXX ''. Anyhow, I have tried everything with Barclays, but they see this merchant provided false information, but somehow they sided with them. I have since closed my account at Barclays out of frustration and anger. This is complete consumer fraud at its best and I am left holding the bag.
Company Response: Closed with explanation

Timely Response

2019-07-19

Ft Belvoir, VA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: Barclays Bank reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called Barclays credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with XXXX and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name BARCLAYS BANK DELAWARE Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-19

Brooklyn, NY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-18

Canaan Lake, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Olin, IA

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Complaint: On or around XX/XX/2019, I reached out to XXXX XXXX XXXX at Barclay Card, EXT XXXX regarding making a settlement to my XXXX Visa Card issued by Barclay. I was told I would be called back by Friday, which I never was. I call another person in the internal collection department, who told me they would need to verify which department my account belonged to, and it could take two weeks. Well over a month later, on XX/XX/XXXX, I called because I received neither a letter, phone call or email from Barclay Card. I reached someone today who told me my voicemails may not of been responded to, because I didn't include enough information in the voicemail beyond my phone number. While the agent ( who was actually a manager ), did not seem very apologetic, she informed me that this missing information is why I was not called back, however it does not say in the voicemail what needs to be left. I asked about a settlement offer and was given an amount and percentage, which worked out to be {$760.00}. I was told I would only have 90 days to pay it, which is not enough given my current financial situation. I asked about paying the balance to have the account deleted and was told this was against " fair credit reporting laws ''. The FCRA does not prohibit deletion as I'm sure the CFPB already knows. I actually searched online and found numerous cases of Barclay Card removing tradelines. Paid for charge offs report the same as unpaid, so it would be of no benefit to me to pay it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Kawaihae, HI

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I was charged {$4900.00} on XX/XX/XXXX by ( XXXX XXXX ). I did not receive the services that was promised. I tried to work it out with the owner XXXX XXXX after filing an complaint in XXXX. I have record of all of our correspondence including his admission that his poor business decisions were not my problem ( from email dated XX/XX/XXXX ) and he would be in breach of contract if he did not deliver the product by XX/XX/XXXX ( from email dated XX/XX/XXXX ). When i held him to this and offered him the option of a payment plan, he became very aggressive and refused to cooperate. He claimed that he had been waiting for my response which I believe to be untrue. I had no problem receiving his email when I filed the first complaint or his responses after. He then stated he would consider the matter closed and deliver the product mid XXXX, XXXX ( from an email dated XX/XX/XXXX ) which i have not received to this date. I even went to the website he provided me that was to track all of our correspondences which I am unable to log into. You can find this information in our entire email correspondence that I have attached. If XXXX XXXX refuses to issue a full refund, i will make a formal consumer complaint in the state of California and Hawaii.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Key Biscayne, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2019, i made two purchases in XXXX at XXXX XXXX. When the charges were made temporary authorizations were placed on my account for {$2800.00} and {$40.00}. Two days later, today, the two charges posted permanently at {$2800.00} and {$40.00} which is higher than the amount originally authorized. The problem is the US dollar actually rose in value on the XXXX and remained at 1.121 on the XXXX and the XXXX when the charges posted. Barclays Mastercard in fact charged an old rate of 1.129 which caused the bottom line to increase by {$18.00}. For years this credit card company has maintained that the exchange rate in affect when the charge posts permanent is the rate that will be charged. So that when the US dollar is going down, they are allowed to charge more than the original authorization. However, now the US dollar has gotten stronger, they are charging an old rate that was not in effect on the day of the posting. In other words, they want their cake and to eat it too. This should not be allowed and is an abuse of their power of being a big bank that seems to create its rules as it deems solely beneficial to them. I want them to be required to follow their rules and return the over charge they did to me today of {$18.00} and I want the US government to investigate and penalize them for this abusive lending tactic as I am sure there are millions of Americans who have been taken advantage of by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: barclay credit card company allowed an automatic renewal charge to be placed on an inactivated credit card in XXXX XXXX the credit card had been inactive since XXXX XXXX. they subsequently charged me over {$45.00} in late fees and reported my account to the credit reporting agencies, thus decreasing my excellent credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Arco, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: On XX/XX/2019, I called XXXX and requested a {$10000.00} transfer from my XXXX XXXX XXXX XXXX XXXX ( Barclays ). The person I was working with was XXXX, ID XXXX. I asked her to transfer the monies to my checking account in XXXX XXXX, giving her the routing & account number ... Upon completion of the telephonic transaction, I was given reference # XXXX as a confirmation. I was told by XXXX that the monies would be deposited in my bank account no more than 10-15 days. On XX/XX/2019, I checked my bank account & called the bank to find out that the transfer had never arrived to my account. I then called the XXXX XXXX XXXX XXXX ( Barclays ) was connected to someone named XXXX who worked in the Back Office. I explained the situation regarding the transfer. XXXX said that the money had been transferred to the same account I had given her but to a person named XXXX XXXX. Since I did not know an XXXX XXXX and wondered why it was not transferred to my bank account became extremely problematic. XXXX said that it was sent to the same account number, but to a different person. I asked her how this could happen and XXXX said that the person had made an error on the paper work & that it was not sent to my bank as requested. She said that she had never seen someone with the same account number. XXXX opened a case # XXXX and assured me that it would be resolved within a months time. Shortly after the last conversation, I received my XXXX XXXX XXXX statement that showed I owed {$10000.00}. The {$100.00} was a service fee. Payment for the {$100.00}. would be due by XX/XX/2019. I called the phone number of the customer service ( XXXX ) and spoke with 2 persons ( XXXX XXXX XXXX ). They were of no help, so I requested a manager who might be familiar with my case. I spoke with XXXX and she assured me that no payments would be necessary until the matter was resolved. My concern was never receiving the monies and how this would possibly affect my credit. XXXX did state that a letter would be forthcoming that would give an explanation that no monies would be required until the issue was resolved. A letter dated XX/XX/2019 from Barclays, XXXX XXXX XXXX, XXXX, DE XXXX stated that " a balance transfer in the amount of {$10000.00} to XXXX XXXX was posted to my account on XX/XX/2019 ''. It then mentioned that it would now take 60 days to complete the investigation. To my relief, on the back of my statement from XXXX XXXX ( Barclays ), it was written that I have 60 days after the error appear on my statement to notify them in writing. It said you may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-16

Paterson, NJ

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Augusta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: In XX/XX/XXXX my wife and I filed for XXXX XXXX bankruptcy with XXXX XXXX XXXX and XXXX in XXXX, Ga. XXXX XXXX XXXX Our lawyer, Ms. XXXX informed us at the time that her office would send out notices to all the companies we owed money to. Ms. XXXX told us further that if a company did not respond to her queries they would NOT be included in the final payment plan set up by the attorneys. We got our bankruptcy cleared out by XX/XX/XXXXand we thought the issue was resolved. I began getting harassing phone calls on my mobile phone from a company called XXXX XXXX in XX/XX/XXXX stating that I owed money to Barclays credit card company. At first, they wanted to settle my debt by my paying a small percentage of it with my debit card. I declined to pay because the debt was supposed to included in my XX/XX/XXXX bankruptcy.I informed them of the facts and referred the callers to Ms. XXXX. They persisted in calling and I blocked several cell phone numbers from my mobile.I was told by XXXX staff on more than one occasion that I had XXXX legal charges against me related to this debt.I have yet to receive any notifications by mail or otherwise concerning my alleged credit problem. The latest phone number I have for XXXX Services is XXXX. I saved on my mobile phone the some of the messages that were left for me. I will provide documentation of the phone calls if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Hamburg, MN

Incorrect information on your report

Credit card or prepaid card: General-purpose credit card or charge card

Account information incorrect
Complaint: Barclay I'm filing a formal complaint via the CFPB website. On XXXX XXXX, 2019 you reported to all XXXX credit reporting agencies. XXXX charged off account ending in ( XXXX XXXX & XXXX How ever after reviewing my credit file I found several violation of the FCRA. & FDCPA you failed to report that the accounts was sold Transferred to 3rd party debt collected. per the FCRA this is a violation I asked that you delete account XXXX / XXXX immediately or I will take Legal action for {$XXXX} per account on each reporting agency. if the account are not removed from my credit files because this is unfair reporting on your behalf. Violation # 2 both accounts XXXX XXXX are reporting balances if you have sold this account to XXXX XXXX XXXX XXXX you DO NOT have the right to still report the balance since you are no longer the Owner of the accounts again you could be fined {$XXXX} for violation the FCRA. again please delete these account from my credit files ASAP for violation! and Unfair reporting. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be or deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Reno, NV

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: barclays bank has been paid and the account should be in the process to a settlement.they said it is under investigation and there has been no results?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-16

MA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Delay in processing application
Complaint: Started 2 applications with Barclays Bank on XX/XX/19 as I really wanted the benefits of the XXXX and XXXX XXXX XXXX cards. After a few weeks they requested me to send some information. And there are other several information requests after that which I complied with all of them. I charge well over {$100000.00} a month on my company cards and you would think a company would want the business. If they didnt want the business they shouldnt drag the process along after I sent in tax returns credit card statements etc. I was really upset today after they stated my Social Security card was not clear after I sent it in twice and I used inappropriate language and feel bad about that. However after four months the process has gotten really frustrating and its not worth me giving them my business at this point. If the required information for approval it should have been once or twice not multiple times and many of the times I wasnt informed that they needed additional information at times until I called them. The XXXX application # is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Carthagena, OH

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Waterbury, CT

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Toms River, NJ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Humansville, MO

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Oxford, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: The following Corporations : XXXX XXXX, Barclays Bank Delaware, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX have sent inquiry letters, my response to there letters were affidavits of fact dated XX/XX/2019 for which no response was received rebutting any of the affidavits, there for falling into default judgment dated XX/XX/2019 for all affidavits received via Certified Mail See Attachments. Under United States Code 12 USC 73 Oath the bankers affiliated with these Corporations Chief Financial Officers have violated their Oath 's of Office. They have hypothecated and/or pledge as security on loans and debts. Also under Title 12 United States Codes 12 USC 411 Issuance to reserve banks ; nature of obligation ; redemption. Debt is the Obligation of the United States. Under the Truth in Lending Act Regulation " Z '' human beings can not be financial institutions and as a " Person '' which is defined as a corporation under Title 28 Section 3002 ( 15 ) ( A ). I am a sentient living woman I can not be a corporation as defined above in ALL CAPITALS LETTERS. The XXXX XXXX, Artificial Person, or 'Straw-Man ' is not who I am. This leads into a false claim under Title 31 USC 3729 False Claims. The amounts allegedly claimed owed from each corporation is as follows : XXXX XXXX amount allegedly owed {$260.00} ; XXXX XXXX XXXX amount allegedly owed {$5800.00} and {$3700.00} ; XXXX XXXX XXXX amount allegedly owed {$310.00} ; Department of Education/XXXX XXXX allegedly owed {$4100.00}, {$6600.00}, {$11000.00}, {$4500.00}, {$8500.00}, {$8500.00}, {$12000.00}, {$4400.00}, {$12000.00}, {$3300.00}, {$2800.00}, {$10000.00}, and {$5600.00} ; XXXX XXXX XXXX amount allegedly owed {$850.00} ; XXXX XXXX XXXX XXXX XXXX allegedly owed {$0.00} ; XXXX XXXX XXXX allegedly owed {$5600.00}, {$2800.00}, {$3300.00}, {$8500.00}, {$10000.00}, {$6600.00}, {$8500.00}, {$12000.00}, {$4100.00}, {$4500.00}, {$8500.00}, {$12000.00}, {$6600.00}, {$2800.00}, {$3300.00}, {$10000.00}, {$8500.00}, {$12000.00}, {$8500.00}, {$20000.00}, {$5600.00}, and {$20000.00} ; Barclays Bank Delaware amount allegedly owed {$870.00} ; XXXX XXXX Amount Allegedly owed {$8700.00} please see attached documents and inquiry letters. This is Identity theft, and fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Watkins, CO

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: Barclays Aadvantage Card offers a list of BENEFITS on their website including Flight Cents which rounds up miles earned. But it is NOT a BENEFIT, it's a SALES of Miles program that charges the card holder. So Surprise -- - my statement showed a Fee. I turned off this program on their website but was charged again. The customer service people refuse to turn it off, saying it must be done on the website. They will not Turn this FEE off and will not reverse the charges and will not provide a contact phone number to speak with anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Jupiter, FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: On XX/XX/XXXX I contacted Barclays Visa regarding transactions on my credit card statement. Barclay offered transfer balances/promotional checks interest free through specified dates. I availed myself of those " convenience checks '' and used them since there the interest rate is 0 % through specified dates. Upon reviewing the schedule of convenience checks which were used, I learned from the credit card company of how they post the payments which are made to the account. The complaint that I am filing due to the fact that the methodology used to apply the consumer payments is an abusive practice which puts the consumer at a significant disadvantage and allows the credit card company to manipulate the payments made on the account in a manner which unfairly penalizes the consumer. Here is what they do : There is a balance carried on Standard Purchases : in my case it was {$1000.00} ( 29 % APR ) There are also numerous Balance Transfer/Check Promotions which were taken out by me on numerous occasions with different ending promotional dates upon which any remaining balance will then be charged at the specified interest rate of 29 %. I make payments greater than the minimum amount. I was expecting that the entire payment amount would be applied to the balance with the highest interest rate. I wanted to payoff the balance since there is an APR of 29 % whereby the other balance transfers have a 0 % APR until a date out in the future. Barclays stated that anything above the minimum amount is applied to the other balance transfer/check promotions in any manner which they desire to apply them. I requested that they apply the entire payment that I made to the amount with the highest interest rate but they stated that they will not do it. The company then proceeded to apply the remaining payment to a check balance /transfer which was just taken out. When I asked why didn't they apply the amount to the oldest transfer balance ( since this amount will start to accrue interest on XX/XX/XXXX ) they indicated that they can apply it to any amount they want.. In my case they applied the remaining payment to the balance transfer/promotional check with the lasted date ( XX/XX/XXXX ) where the balance will start to accrue on XX/XX/XXXX. The remedy which I am looking from Barclay is for them to apply the payment made on the account in a manner which is proper and fair. Payment which be applied in their entirety to the balances with the highest interest rates thereby allowing a fair and equitable reduction on balances with the highest rates. Furthermore, if appropriate then a payment should be allocated to the balances with the earliest coming promotional dates. Barclay should not be allowed to take advantage of consumers. Furthermore, clear and plain disclosure of this practice and not made. Documentation can be submitted upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-15

Fort Collins, CO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response