BARCLAYS BANK DELAWARE

2015-07-22

Louisville, KY

Credit determination

Credit card:

Complaint: Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-22

Orion Twp, MI

Balance transfer

Credit card:

Complaint: I have had Barclaycard since XXXX. I enjoy using the card and convince checks and manage my financial very wisely. I have wrote many checks using Barclaycard and my account went from XXXX credit line to {$12000.00}. Recently, I wrote a check for {$6000.00} at 2 % fees. The next day XXXX/XXXX/XXXX, I called Barclaycard XXXX XXXX XXXX XXXX XXXX to cancel the check. After a few minutes conversation with customer service rep. She said she can not see the check but she will cancel it and put a stop to it. On XXXX XXXX, XXXX I saw the check posted to my account and called again customer service to inquire about why my account had been debited {$6000.00} plus fees. Customer service rep. XXXX created a case # XXXX and stated that she noticed as well that I called XXXX XXXX, XXXX to cancel the check, she stated the check is canceled and she will see to it. NOTE, XXXX knew this was convenience check and stated in the benign of out phone call conversation that this was a convenience check. Now everyone is saying OH, we do n't cancel convenience checks. But no one told me this on my XXXX call they can not cancel the check. in fact the first XXXX calls to customer service give the impression that i was in a good hands and i should not be worried. When I realized that check was still posted to my account, I call again XXXX XXXX XXXX and spoke a customer service rep ( XXXX XXXX who stated confidently that the check is indeed canceled and I should not worry about it at all. I asked why is it still posted to my account and He said it takes several days to clear and I should not worry.. XXXX XXXX, XXXX I got a text message from the person I wrote the check to saying in a text message " Thank you '', I said for what and he said " the check cleared ''. I immediately called customer service to find out why the check is cleared and who is responsible for it? Their answer was they can not stop convenience check!!! I did not know what to do. this is a big check and I can not assume the responsibility when I was told incorrect information by XXXX customer service reps. on XXXX separate times. XXXX/XXXX/XXXX called to cancel the check exhibit 1 recorded conversation. XXXX/XXXX/XXXX called to again to confirm the check was canceled. Exhibit XXXX recorded conversationXX/XX/XXXX called the third to enquire why my account is debited with XXXX at this point I was assured that the check was canceled and I need not to worry, it just takes couple days to clear from my account. Exhibit XXXX recorded conversation. XXXX/XXXX/XXXX called customer service to ask why the check clears after it was canceled? Customer service stated they can not cancel convent checks. I said that is not what I was told on XXXX separate calls, in fact I was so sure that the check is canceled when I called on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX called again and no one wanted or know how to help me. So they suggest to talk to dispute department which was located in XXXX, XXXX. The customer service dispute Rep was located in XXXX, XXXX did not know what do. This dispute was just to get rid of me. ( Exhibit 4 ) recorded conversationBarclaycard customer service misinformed me on three separate times and are now avoiding solving my issue. I have offered to work with them. I am very confused and do not know what do. I need your helpThank you, XXXX XXXXExhibits are the phone recorded conversation between me and XXXX Customer Service Rep.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-22

Brooklyn, NY

Billing statement

Credit card:

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

Disputed: No Timely Response

2015-07-21

Bedford Park, IL

Late fee

Credit card:

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

Disputed: No Timely Response

2015-07-21

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-07-21

Blmgtn, IN

Billing statement

Credit card:

Complaint: I have a XXXX through Barclay and I noticed that my my monthly interest rate is being charged against my account balance on my card. I have never had a late payment and even made advanced payments. I noticed that I was almost at my credit limit and had n't used the card. When I called about it the woman told me that my bill drops on the XXXX of the month and if I do n't pay it by the XXXX of the month, there is an interest fee charged against my balance. That amount would be charged even if I paid my bill early. I have to wait until my bill actually drops and pay it before the XXXX of the month even though it is n't due for 30 days after the bill is dropped. It looks to me like I was being charged double interest if I did n't pay by the XXXX of each month and my interest was being charged interest. It just did n't set right with me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-21

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-07-21

Cocoa, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Fradulent credit inquiry on my credit report. I have called several times and told that this fradulent inquiry would be removed. It has not been removed from my credit reports. I did not authorize this inquiry and need it removed immediately
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-20

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-07-20

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-07-20

Austin, TX

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Someone opened an account in my maiden name with my social security number in 2005. I am now getting collection calls in reference to this account. This account does not appear on my credit record.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-07-19

CA

Billing disputes

Credit card:

Complaint: In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-07-18

W Warwick, RI

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-07-18

Branson, MO

Unsolicited issuance of credit card

Credit card:

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

Disputed: Yes Timely Response

2015-07-18

Cordova, TN

Credit line increase/decrease

Credit card:

Complaint: I had a credit limit of {$3000.00} on a Barclay Visa card. I co-signed on an auto rental with a temp subcontractor for a one-week term. After 2 weeks I received a call from the auto rental reminding me the auto was due in. The person that had the auto assured me that after the first week, he would return. I could not make contact and when I received call from rental agency at end of week three, I suggested that it should be reported as stolen as I could make no contact. That was in XXXX 2015. With no charges from the auto rental until XXXX XXXX, there were XXXX charges added to my card which put me over the credit limit, imposed by the issuer, a XXXX dollars. I called Barclay 's help line and was told the credit limit was not enforceable. Then I requested that a hold be put on my account, thinking that would prevent any more charges. Then on XXXX XXXX, there were XXXX other charges from the auto rental for some {$3200.00} which then exceeded the credit limit by some $ 4,000+. I was more than shocked and called their help line and was told that a hold would only stop the card working if it was swiped, but would not stop other charges coming thru their system. I then cancelled the card. I sent a fax and XXXX letter to Barclaycard to file a dispute on XXXX XXXX. On XXXX XXXX I was sent a letter in response that indicated they could not further pursue because they tried to call me twice on XXXX XXXX. There is no record on my cell phone of any call attempts from them. The letter was generic with NO NAME or contact number or email other than their Service Center # that could do nothing to assist me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-17

Bronx, NY

Account opening, closing, or management

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

2015-07-17

CA

Billing disputes

Credit card:

Complaint: On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-07-17

Carmel, CA

Other

Credit card:

Complaint: We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-16

Brewster, NY

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-07-16

FL

Credit determination

Credit card:

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

Disputed: Yes Timely Response

2015-07-16

Stanford, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: On Thursday, XXXX XXXX, I received a call that my credit card XXXX Barclay 's XXXX XXXX XXXX had been flagged for fraudulent information. It was an automated phone call from XXXX. I verified all information and was told at the end of the call that the security hold had been removed as I had properly verified all information. Following that call, the hold remained in place. It was not removed as indicated. Subsequent calls to XXXX have not resulted in an answer, and I was XXXX from critical business spending during at least XXXX business day without explanation.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-07-16

Palos Park, IL

APR or interest rate

Credit card:

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

Disputed: No Timely Response

2015-07-16

Irvine, CA

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-07-15

Sioux Falls, SD

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-07-15

Vienna, NC

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response