BARCLAYS BANK DELAWARE

2015-06-22

MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: There was over {$4500.00} in fradulent changes made on my credit card without my knowledge. The credit card company, BacklayCard, changed my address to XXXX XXXX XXXX, XXXX, MA without my authorization so I was n't aware of these changes. I never lived at this address so they should n't have changed my address. I was contacted by a collections agency several months later trying to recover the funds. At the time I let them now these are fraudulent changes and asked them to to put me in touch with the credit card company ( when I call directly I get automatically transferred to the collection agency. ) They refused but said they would let the credit card company know and they would contact me directly within the next XXXX days. A month later I was contacted by a different credit collections company. I told them the same thing and they refused to put me in contact the credit card company unless I had a police report. I filed police report and faxed them a copy. However I just checked my credit report and these charges are still showing as past due. This is now preventing me from getting a car loan because it 's significantly impacting my credit score. I could use some help getting this resolved asap. In summary, I did not make these and the bill was sent to the wrong address without my authorization so I was n't aware of the charges. Now the credit card company wo n't speak with me and they keep sending me directly to a collection agency. I filed a police reporting regarding the incident and faxed it to the collections agency but the charges are still showing past due and it 's significantly impacting my credit score. I do n't know who to send this to at BarclaysCard to get these charges removed and my credit score repaired asap. Thanks for your help!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-22

CA

Transaction issue

Credit card:

Complaint: On XXXX XXXX, 2015, my commercial bank XXXX confirmed electronic payment to my Barclaycard MasterCard in the sum of {$10000.00}. It was, however, made to my former Barclaycard account. I spoke with Barclaycard ( some XXXX call center ) who claimed to have opened a " case '' on the matter but have not heard anything despite the fact that my XXXX banker also confirmed the payment with Barclaycard directly. Essentially, we have a missing {$10000.00}.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-20

Bear, DE

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

2015-06-19

Myrtle Beach, SC

Balance transfer

Credit card:

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

Disputed: No Timely Response

2015-06-19

Lakewood, NJ

Closing/Cancelling account

Credit card:

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

Disputed: Yes Timely Response

2015-06-19

Murray, UT

Other

Credit card:

Complaint: I contacted Barclay 's bank in regards to them lowering my line of credit after I had made a large payment of {$3200.00}. I asked the representative ( XXXX XXXX ) if my line of credit could be re-evaluated and he stated " We can re-evaluate for some, but not others. '' This statement made me feel that Barclay 's is not lending fairly and consistently to all their card members. When I asked him why that was he just kept repeating the reasons of why my line of credit was lowered. I asked to speak to a supervisor and was transferred to ( XXXX ), when I asked XXXX why Barclay 's could reevaluate the line of credit for some but not others, her response and excuse for his statement was that " it may have been a language barrier due to XXXX being in the XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-19

Santa Ysabel, CA

Billing disputes

Credit card:

Complaint: There are a few transactions at issue, all of which I brought to the attention of Barclay 's XXXX month ago, on XXXX/XXXX/15, and about which I have repeatedly written them, without receiving a single substantive response or explanation for why these charges are on my card. First, on XXXX/XXXX/15, XXXX transactions appear on my account. XXXX of them, for ( - {$30.00} ) from XXXX, is correct. That was a merchant refund ( minus shipping costs ) for a {$35.00} purchase I made at XXXX on XXXX/XXXX/15. However, the XXXX transaction listed on my account on XXXX/XXXX/15, a POSITIVE charge of {$30.00} to XXXX, is incorrect. I never made any purchase for {$30.00} on XXXX/XXXX/15. Second, on XXXX/XXXX/15, XXXX transactions appear on my account. Again, XXXX of them, for ( - {$42.00} ) from XXXX, is correct. That was a merchant refund for a purchase made on XXXX/XXXX/15, for {$42.00}. However, there are XXXX further POSITIVE charges to XXXX listed on XXXX/XXXX/15 for {$42.00}. This is incorrect. I did not make XXXX purchases of {$42.00} on XXXX/XXXX/15. As I stated above, I have tried repeatedly to have this issue resolved. Barclay 's promised me a resolution within 7-10 business days. They did not keep that promise. They then promised to call me to resolve the issue. They did not keep that promise either. I have contacted XXXX and they confirmed that they issued the refunds for ( - {$30.00} ) and ( $ XXXX ), and that there should not be any additional purchase charges on my account related to these transactions ( except for temporary authorizations ). However, the XXXX charges at issue are not listed as temporary authorizations on my Barclay 's account. Rather, they are listed as completed purchases on my most recent monthly statement, for which Barclay 's has demanded payment by XXXX XXXX, 2015. To repeat : there are XXXX mistaken purchase transactions on my account, totaling {$110.00} XXXX {$30.00} + {$42.00} + {$42.00} XXXX for which Barclay 's is demanding payment. Barclay 's has failed to provide any substantive response to my dispute of these transactions, except to give me empty promises that they will contact me. I have, to this date, received no oral or written explanation or justification for these charges, despite raising the issue with them multiple times, starting on XXXX/XXXX/15. And finally, the merchant, XXXX, agrees with me that I do not owe the amounts charged. I thank you in advance for your help.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-18

Santa Ysabel, CA

Billing disputes

Credit card:

Complaint: On XXXX XXXX 2014 I cancelled my credit card with barclays bank. I just received a collection notice from XXXX wanting XXXX. I called Barclay bank they say that a bill was paid over a month after the card had been cancelled for XXXX. They never contacted me about the bill. I asked them for the phone # and address they had and it was correct, I asked them why they never contacted me, they did not know. I said i would pay the XXXX, they said they could not deal with me that I have to deal with the collection agency. The collection agency wants XXXX and will not deal. I asked if I pay the XXXX would they take it off my credit report they said no. First I believe barclays had no authority to pay the XXXX and should have had the store contact me. Second Barclays should have at least tried to contact me about the XXXX dollars. Now they have destroyed my credit. I am willing to pay the XXXX but they must remove it from my credit report
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-18

Salinas, CA

Late fee

Credit card:

Complaint: My wife makes my payments for me online. She usually makes the payments the day they are due or the day before. She makes the payments online. I recently looked at my account and found that I was charged late fees even though the payments were made on the due date. I find it hard to believe that it is legal for a credit card company to take my money ( payment XXXX out of my checking account on the due date and post it the following day in order to charge me a late fee. Is this legal? I want them to credit my account all of the late fees they have charged me in the past year.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-18

Delray Beach, FL

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-06-17

Gastonia, NC

Closing/Cancelling account

Credit card:

Complaint: After a recent evaluation of my credit report/score I noticed that my credit score had gone down from over XXXX ( excellent ) to around XXXX ( poor ) without having any credit or financial issues. Curious as to what had happened, I learned that the sole cause of this distress was the merger of XXXX XXXX and XXXX XXXX and their credit card programs. I was issued without request a new credit card, and desiring only XXXX card, my old credit card was erroneously terminated. I had used the card since XX/XX/XXXX as my main credit card, but as a result of this mix up, my history now no longer goes back to XX/XX/XXXX but only to XX/XX/XXXX. Another involuntary effect of the change of card was that my credit line went from XXXX to XXXX, triggering a high usage ratio. This loyal US airways/XXXX card customer has contacted the issuing organization, but all they are willing to do is increase the credit limit on the new card, after pulling and lowering my credit score even more, and not restore the longer running card and restore both my credit limit, history and consequently report/scoreIt will be clear that this reply is not acceptable and that further discussion as well possible legal actions are contemplated as:1. I did not request the new card issuance. 2. Implied was that the old card was to be replaced going forward. 3. Not enough care, explanation and implication was provided to an unknowledgeable consumer when approaching the issuing organization to only have XXXX card and terminate the older one. 4.Financial and reputational damage is incurred. Finally, not a legal argument, but a loyal and credit worthy customer as of XX/XX/XXXX deserves a better treatment. Therefore I hereby request through the appropriate channels to either reinstate/merge my former US airways/XXXX credit card or increase the credit limit on the new XXXX/Barclay card accompanied with a communication to the XXXX credit rating agencies, restoring my credit report and score.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-16

Brem, WA

Communication tactics

Debt collection: Credit card

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-15

East Barre, VT

Transaction issue

Credit card:

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

Disputed: No Timely Response

2015-06-15

Boca Raton, FL

Overlimit fee

Credit card:

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

Disputed: Yes Timely Response

2015-06-15

Bridgewater, MA

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-06-15

MO

Billing statement

Credit card:

Complaint: In brief, I unknowingly missed the promotional end date for the promotion I was under and as a result, my {$2500.00} account received a {$1300.00} deferred interest charge. In XX/XX/XXXX, I was accepted into a school program that required me to purchase an XXXX computer. We did not have the funds for a cash purchase, so we applied for a barclay credit card. The Barclay card that we were offered included a XXXX deferred interest promotion on the purchase. After buying the computer, I set up the paperless statements and Autopay, so that I would n't miss any payments with my busy school schedule. We planned to pay off any remaining balance on the card before the promotional period, however, I have not received any notification from Barclay regarding the ending promotional period. I thought the end date should be coming soon ( around XX/XX/XXXX ) so I logged onto the account on XXXX XXXX to go ahead and take care of everything and pay off the credit card. To my surprise, I found that I was XXXX weeks late and the promotional period had ended on XXXX XXXX and I had been charged {$1300.00} in interest on a {$2500.00} principle balance. This interest charge was totally unexpected. I neither expected to see that the promotional period had ended, nor had I expected such an astronomical interest charge. I called and talked to multiple managers and team managers at Barclay, and I learned what had happened. I received paperless statements, and signed up for autopay, both of which I felt were the most responsible way to handle this new credit card, but this worked against me. The email notifications that come with the paperless statements do not give any indication of the approaching end date of the promotional period and no communication was received by myself, from barclay, to inform me that the promotional period would end or that I would have a {$1300.00} interest charge to my account. I also found out that I would need to login to the account to view the statement and see this deferred interest information, however, that was not made apparent to me in any way and I was under the impression that the autopay and email notifications had negated the need for frequent account logins and statement checks. This lack of notification has caused me to be a mere XXXX weeks late and to incur a substantial interest fee. While trying to resolve this on the phone with Barclay, I offered to pay the principle balance immediately if we could waive this interest fee, but I have not been able to achieve this. They were only willing to waive {$500.00} of the interest, which is helpful, but still leaves me with an {$820.00} interest charge. I feel like, because of the lack of communication, this interest charge snuck in on me, whilst i was attempting to do the responsible thing. I also feel like I was deceived with the meaning of " deferred interest. '' This was XXXX of my first credit cards, and feel taken advantage of, because I had no idea that this is what deferred interest results in. I thought it was an analogy to 0 % interest, and different companies use different terminology. I am a student in XXXX school, and my only sources of income are student loans, as my program does not allow employment. If I can not get this resolved my only option is to pay this interest fee with another loan, maximizing my loss in this situation.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-14

Ironbound, NJ

Other fee

Credit card:

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

Disputed: No Timely Response

2015-06-13

Nyc, NY

Delinquent account

Credit card:

Complaint: XX/XX/XXXX/XX/XX/2015 I was a victim of Identity Theft on my Barclays USAir Mastercard. I had used the card and made charges. One day I received an email that information had changed. I called and much to my dismay all my data was changed and no one would talk to me, I finally found an individual to help me. He assured me there was nothing to worry about and did n't even bring up the idea of canceling my card or identity theft. This individual I wish I still had his name did n't even know what identity theft was. I requested to speak with a manager and cancelled the card. I received a replacement card in XXXX 2015 and none of the data points were changed, I was locked out of my account but this time someone attempted to make a payment and pay my balance in full against my account on file. The only way I knew this was happening was due to the fact that my bank kept bouncing the payment, I called Barclays after the XXXX attempt and was told that they could not fix this issue and that they would have to wait. No one there seemed to be helpful for me at all. I was told that this would be fixed and the card canceled again. I got a new card and did not attempt activating it this time. Nothing happened, I did not get a new bill, I heard nothing from Barclays, I was told everything was taken care of, I tried logging in several times and no success, I spoke to several individuals who failed to assist me. I finally hear from Barclays near the end of XXXX 2015 that they close my account because of a payment that bounced, but I 've yet to request any payments because I have n't received a bill from them. Now as of XXXX XXXX, 2015 I find that Barclays charged off my account. I am extremely XXXX out because I was not aware this was happening, I have been trying to fix my credit by repaying timely for the past XXXX months on a great deal of my accounts. Now because a creditor fails to mail me bills, does n't respond to me, and when I called yesterday to discuss this issue has no resolve for me and is reading from a script I am at a loss. I explained that this XXXX person at Barclay 's on XXXX XXXX, 2015, that I am not denying that the charges are mine. I am simply at a loss because I received no billing statements, I was a victim of identity theft, I 've been calling in and have made an address change several times, he just keeps reading from a script and informing me that these are charges I made and I am responsible for the bill. What in the world am I to do? This is a manager who provides absolutely no resolve. Sure I will pay the bill but I want my credit repaired. I want the account shown closed and not as a CHARGE-OFF. How is this going to happen?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-12

Kfalls, OR

Balance transfer

Credit card:

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

Disputed: No Timely Response

2015-06-12

Caldwell, NC

Advertising and marketing

Credit card:

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

Disputed: No Timely Response

2015-06-12

CA

Closing/Cancelling account

Credit card:

Complaint: I have Barclay closed all my accounts with out any good reason. The bank took all my reward ( proximately {$550.00} ) and or promotion that I have on all my accounts. The bank offer no solution but took away the right to charge any thing on the account immediately with out notify me first. The bank would not refund the membership fee that I paid on the account.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-11

Raymond, NH

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-06-10

Buckeye, AZ

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-06-10

Keyport, WA

Advertising and marketing

Credit card:

Complaint: I just filed a complaint with the XXXX about this, because I have already emailed customer service previously about it, and you STILL allowed your LIES AND FALSE ADVERTISEMENT to continue!!! The XXXX complaint number is XXXX. I feel like your company has FALSE advertisement, which is ILLEGAL!!!! You provide FALSE information when you LIE, and state that after 5 months of satisfactory credit history with your company, you will automatically increase the credit amount. I HAVE HAD EXCELLENT, EXCELLENT history with your FALSE ADVERTISEMENT company. I have charged up my card, multiple times, and then COMPLETELY paid it off. Then charge up again, and then COMPLETELY pay off again! I HAVE EXCELLENT history with your company, and YOU FLAT OUT LIED TO ME!! YOU ILLEGALLY gave me FALSE information about automatically increasing credit limit after 5 months!!! YOUR COMPANY SHOULD GET SUED FOR YOUR ILLEGAL FALSE ADVERTISING!!!!!! I also spoke with a XXXX XXXX from the president 's office, and he lied to me, and stated that he has never heard of anything about automatic increases in limit. I am attaching from their website that states that they do.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Nyc, NY

APR or interest rate

Credit card:

Complaint: I was starting my small business in XXXX XXXX about two years ago. I ordered an XXXX computer using the Barclay credit card which offered what I thought was 2 years no interest. It turns out it was XXXX years deferred interest. This was not clear to me at the beginning nor was the amount I would end up be charged in interest if I only paid the minimum payment every month. I was n't made aware of the coming interest charge until a month before the deferred interest kicked in. The interest charge on my XXXX bill was a {$1500.00}. I have struggled to keep my business afloat in a tough market in XXXX of the most expensive cities in the world. I am a XXXX. My rent and expenses are a burden. Suddenly, I have been hit with a over {$1500.00} interest charge. Its a disaster for my business and for me personally. I believe the terms on these cards need to be VERY CLEARLY stated to people interested in using them or out-lawed all together. That XXXX, the most profitably company in the world, does this to small businesses and everyday consumers is a disgrace. I fully expect to pay interest on credit but this is just a dirty trick.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response