BARCLAYS BANK DELAWARE

2015-05-14

Tibbs, MS

Rewards

Credit card:

Complaint: I am writing to file a complaint against Barclays Bank Delaware ( BBD ). In particular the complaint is regarding the BBD advertised rewards program associated with their partnership with XXXX. The name of BBD product is The XXXX ( R ) XXXX Signature ( R ) Card. After learning about the aforementioned credit card and the rewards program associated with the product, I applied for and then received The XXXX ( R ) XXXX Signature ( R ) Card in XXXX, XXXX. The publicly advertised information claims that a cardmember will earn XXXX points after first use of the credit card and XXXX points after using the credit card to pay for a first stay at a XXXX property. My decision to apply for and receive this product was exclusively influenced by this publicly advertised material. Although incentives and promotions occasionally change, this same promotion continues to be publicly advertised and can be verified at XXXX Although not fully explained in the Offer Details, an important distinction about this rewards program that I later learned is that to utilize the points, BBD must take two actions. The first action involves BBD acknowledging the points being earned and posting the points to a cardmember 's BBD account at the end of the billing cycle. The second and equally important action involves BBD posting those same earned points to the cardmember 's XXXX account which is linked to the cardmember 's BBD account during the application process. Without BOTH actions occurring, the cardmember does not have the ability to utilize or monetize the earned points. The credit card was first used on XXXX/XXXX/XXXX. As outlined and advertised, XXXX points were credited by BBD AND those points were posted to my XXXX account the next day after the billing cycle. However, my ongoing and agonizing issue with BBD began with trying to collect the XXXX points part of the promotion. On XXXX/XXXX/XXXX, I charged my first stay at a XXXX property to my XXXX ( R ) XXXX Signature ( R ) Card. Unlike the delivery of the XXXX points associated with the first use promotion and despite several attempts and hours of effort trying to work with BBD in receiving and being able to utilize these earned points, BBD is now evading their responsibility to deliver on this part of the promotion. This conclusion is best characterized when I made a firm and final attempt to resolve the matter with BBD on XXXX/XXXX/XXXX. At that time, I advised BBD again of the matter in writing and asked for a resolution in writing. At this point, BBD was in violation of their own Terms and Conditions since it had been 16 weeks since I fulfilled the requirement of the first stay promotion and over 6 weeks since it was posted to my BBD statement. BBD responded with what appeared to be a couple of standard platitudes and then shortly thereafter closed my complaint with no further action plan or case # for resolving the matter. In my complaint, I advised BBD that the deadline for posting the points to my XXXX account has past and should they not resolve the matter within the next two weeks, I would be left with no choice but to involve the regulatory and legal authorities. As of today, BBD continues to take no action and appears to be defiant of their responsibility to deliver on their advertised promotion. As a result, I am being deprived of reward points which would provide real economic value, if delivered in accordance with the program rules and BBD 's stated Terms and Conditions. In addition, BBD 's behavior regarding the handling of my complaint is in stark contrast with their stated Complaint Policy Statement which can be found at : https : //www.barclaycardus.com/servicing/headerLinks? handleContactUsComplaint
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-14

Charlotte, NC

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: Hi, I have unauthorized charges on my card that Barclary did not want to report the charges are fraud but as a dispute. I wanted the charges reported as fraud because I did not do these charges on my card. I have the charges listed below that should be reversed to my account : 1. XXXX/XXXX/15 XXXX XXXX 2. XXXX/XXXX/15 XXXX XXXX XXXX 3. XXXX/XXXX/15 XXXX XXXX 4. XXXX/XXXX/15 XXXX XXXX XXXX 5. XXXX/XXXX/15 XXXX XXXX 6. XXXX/XXXX/15 XXXX XXXX Also I want this remove for my credit for the month of XXXX, XXXX and XXXX for any delinquency reported. I also want the refund of the {$35.00} and the interest charges of {$27.00}. All together this totals {$1700.00} back to my account. I would like this to be done within the next to 30 business days.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-13

Snohomish, WA

Billing statement

Credit card:

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

Disputed: No Timely Response

2015-05-13

Bueche, LA

Disclosure verification of debt

Debt collection: Credit card

Not disclosed as an attempt to collect
Complaint: I had called the company when my husband had gotten very ill. We had arrangements made but there is no history of this occurring to their records. The credit card is being reported after being verified on all three credit agencies. Here is an example of XXXX. XXXX Payment HistoryYear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * * * * * * XXXX XXXX XXXX XXXX * * * * * * * * * * *Payment History KeyYou can see in XXXX when my husband got sick, we had arrangements made, and we were supposed to begin deferred payments but the card was closed. This is not what was agreed to. I need help getting these inconsistencies removed from my tradeline they are destroying me. At first I wanted my card back because that was the original agreement now I just want it paid and removed from all three agencies due to all the mistakes, communication, and discrepancies.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-12

Quartzsite, AZ

Improper use of my credit report

Credit reporting:

Report improperly shared by CRC
Complaint: Who and what is this company? It needs to be removed from my credit report! This is only XXXX out of about XXXX that should not be there!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-12

CT

Customer service / Customer relations

Credit card:

Complaint: We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-12

VA

Rewards

Credit card:

Complaint: While on board a US Airways flight on XXXX/XXXX/XXXX, I received an offer from US Airways representatives on board the flight for a MasterCard. They provided me with the attached flyer that describes the benefits of the card and stated that we would receive these valuable benefits if we applied for the card while on board the flight. My wife and I each applied for separate cards during the flight and tendered the applications to the US Airways representatives. We each received separate cards in XXXX XXXX ( The annual fee of {$89.00} was billed on my account on XXXX/XXXX/XXXX and on my wife 's card on XXXX/XXXX/XXXX. The attached flyer provided by the airline references benefits of the card that include : - {$99.00} companion certificate. The application states '' Every year you will receive a companion certificate that allows up to XXXX guest to travel for {$99.00} each, plus taxes and fees ... '' - Complimentary US Airways Club day pass -First Class Check in and Zone XXXX boarding. -first checked bag free for me and up to XXXX travel companions I received the companion certificates and other described benefits for my first card year, commencing XXXX/XXXX/XXXX, as did my wife. According to the brochure, we are to receive the companion certificates on the anniversary date for each card. I was charged another annual fee of {$89.00} on XXXX/XXXX/XXXX. I contacted US Airways BarclayCard tody to request my companion certificates and other benefits for XX/XX/XXXX and I was informed that they have changed the program and these benefits are no longer available. I received no notice that the benefits were changing prior to being charged the annual fee. This is a classic bait and switch scam.The value of ( XXXX ) companion tickets in the US can be as much as {$1000.00} per ticket or more, depending on dates of travel. I request that US Airways honor the benefits that we were promised to my wife and I for our respective credit card accounts.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-11

Sandy Hook, CT

Improper contact or sharing of info

Debt collection: Credit card

Talked to a third party about my debt
Complaint: XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-09

Olympia, WA

Other

Credit card:

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

Disputed: Yes Timely Response

2015-05-08

Foothill Ranch, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
Complaint: I disputed an amount legitimately, but Barclays failed to honor my Master Card Dispute. They do this with large purchases. Since, they did not honor my dispute and violated my rights and my Master Card guarantee, I then cancelled my card and paid all the outstanding promotional balance ahead of time. They have been harassing me for over 6 months now. Since I had to change Internet providers I also had to change my email address, so now they ca n't send me emails. They have harassed me with letters, emails and now many daily calls from a number XXXX XXXX XXXX, with the name Unavailable. They call me when I am sleeping, when I am in the bathroom and when I am away, but never leave a message. When I answered the call, I asked for a supervisor. The caller said she would be calling me in 30 minutes but never did. They are totally disturbing my peace and affecting my health. Because, I had XXXX ; thus, my XXXX ; thus, I get worse with this kind of XXXX. I get XXXX XXXX with XXXX, and get XXXX. I have to XXXX several times a day. They know I am in the right, because even though they threatened me to send me to the credit bureaus they have not, because they know they do n't have a valid claim and I do.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-08

Ridley Park, PA

Other

Credit card:

Complaint: I was offered a great deal on a US Airways Mastercard on the airplane ... I took the deal and found out that it was not close to what they promised. The purser/attendants on the plane are overselling and lying about the terms of the deal. I was told 1 ) NO FEE EVER, 2 ) XXXX miles credited to my account when I spend XXXX XXXX on the card, 3 ) companions tickets XXXX per year, 4 ) access to lounges, and 5 ) early boarding. I got my Barclaycard from USAIR and charged XXXX $ on the card .... no miles were credited to my account. I looked at the account on-line and there was an {$89.00} annual fee! I called them the next day and they told me that they would not do give any of the benefits until the XXXX annual fee is paid ... .. Misrepresentation at the point of sale .... They would not forgive the annual fee but did offer to drop me to a lower card which had no fee but also did not give me the XXXX miles or other benefits. But I had to pay the fee to get the miles. The offer sounded great but they were lying through their teeth just to get a credit card application filled out. What they offer is absolutely not what the customers are getting. It is fraud if you ask me. I cancelled my card today after wasting a lot of time waiting for this deal to be real. It was n't.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-08

Dallas, TX

Advertising and marketing

Credit card:

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

Disputed: No Timely Response

2015-05-06

Los Angeles, CA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-05-06

Queen Anne, WA

Billing disputes

Credit card:

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

Disputed: Yes Timely Response

2015-05-06

Shreveport, LA

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-05-06

Arvada, CO

Balance transfer

Credit card:

Complaint: Recently I opened a Barclaycard Arrival Plus credit card. Part of the offer included a 0 % interest balance transfer for first 12 months. I initiated a balance transfer from my XXXX XXXX Credit Card in the amount of XXXX on XXXX/XXXX/15. However Barclaycard initiated a second balance transfer in the amount of XXXX that I did n't approve. I noticed this on XXXX/XXXX/15 at which point I both called their customer service line, and opened an online message/ticket. After two weeks of no resolution, I was finally able to get a hold of someone who could answer my questions, and they told me they were unable to reverse the balance transfer, at which point I would need to contact XXXX and ask for a check in the amount of the second balance transfer amount, and then pay my Barclaycard down with that money. Since I did n't authorize this charge on my card, I fail to see how Barclaycard sending money to XXXX is my responsibility? My credit card came with a promotional offer if i spent {$3000.00} in the first 90 days, I would be rewarded with XXXX miles. However, since they have effectively maxed my credit card out with a double balance transfer I of course am unable to use the card. Also, it is making my debt ratio look much higher, and potentially pulling down my credit rating.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-05-06

Nappanee, IN

Late fee

Credit card:

Complaint: I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-06

South Florida, FL

Credit card protection / Debt protection

Credit card:

Complaint: I noticed a charge on my credit card that did not belong to me last XXXX 2014. I contacted Barclaycard to file a dispute. I was told they needed 30 days to investigate the charge. I received a letter 30 days later stating the charge was valid and that the merchant showed a receipt for this transaction. I contacted the merchant after receiving this receipt to question this order number. I found out that my credit card number was used on this order but was linked to someone else 's account and delivery address. I then contacted Barclaycard again and they started a new fraud investigation case and I was told to wait another 30 to 45 days and up to 120 days for an answer. I recently received another letter saying the charge was valid with the same attached receipt and was told that because I had done prior business with this merchant that this charge would never be considered as fraud. I was also told that I should never open a fraud case if I have done any business with a specific merchant before.If I wanted a refund that I would need to wait for the merchant to refund the money to Barclaycard prior for them to adjusting my account. As a XXXX XXXX I should be protected with XXXX XXXX Liability Protection and should not have to liable for the fraudulent charges that I did not make, nor should I have to constantly call and get transferred to different departments without getting any results.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-06

Nyc, NY

Advertising and marketing

Credit card:

Complaint: Barclay Credit card offered 0 % in 18months financial to purchase my laptop. After 18months passed I could n't paid off, they charge me interest close to 30 % based on original purchase price retroactively. Suddenly I saw close to {$1000.00} interest charge over {$3500.00} laptop. They claimed " Deferred Interest Financing '' in written in the contract but not clearly explained at signing. I thought my interest will e charged on unpaid part after 18 month promotion is over. XXXX time i saw " Deferred Interest Financing '' in the communication was 5 month later email after I signed. Even that email, it was very graphically miss leading not clearly explained what exactly mean by " Deferred Interest Financing '' under fancy graphical " New Tool '' interfaces.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-05

Peoria, AZ

Unsolicited issuance of credit card

Credit card:

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

Disputed: No Timely Response

2015-05-05

Dearborn Heights, MI

Customer service / Customer relations

Credit card:

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

Disputed: Yes Timely Response

2015-05-05

Ithaca, NY

Credit determination

Credit card:

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

Disputed: No Timely Response

2015-05-05

Madeira Beach, FL

Closing/Cancelling account

Credit card:

Complaint: Acct From Barclays Bank ending # XXXX Closed on XXXX/XXXX/14.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-04

VT

Billing disputes

Credit card:

Complaint: I have an LL Bean Visa Card issued by Barclaycard. I pay more then my monthly balance each month. This month I receive my statement and it shows a past due amount for XXXX and a late fee. I paid XXXX 's payment on XXXX XXXX. When I called the company to inquire about this, I was told that I paid my XXXX 's payment too early, so now it is late. I now owe XXXX 's payment and XXXX 's payment. I think this is an unfair business practice and I believe I should have been notified that if I paid a payment too early ( even though we are in a whole new month ) then it would be considered late.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-05-03

N Brunswick, NJ

Other

Credit card:

Complaint: I purchased a Laptop from XXXX and at the time of purchase, XXXX had or still have financial options and Barclay visa card was the option so, I applied for the credit card, got approved but Barclay had a not interest if paid by certain date and now Barclay is charging me all the interest accrued from day one but, the balance from that particular purchase was way down and I feel Barclay should only charge interest for the remaining balance.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response