BARCLAYS BANK DELAWARE

2015-04-16

NH

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: Dear Sir/ Madam, While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by Barclays XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report.Barclays has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This isa serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to viewmy credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized andfraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. in case it is needed to locate the fraudulent inquiry in their system. I then asked them to please send me written confirmation that they have complied with my requests and advised them that their failure tocomply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of their willful noncompliance [ 15U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney feesfor each and every fraudulent inquiry. Please do whatever is in your power to ensure that Barclays complies with my requests and to avoid other Consumers from
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-16

Other

Credit card:

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

Disputed: Yes Timely Response

2015-04-16

Alexandria, VA

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-04-16

Wonder Lake, IL

Billing disputes

Credit card:

Complaint: I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. I disagree with the initial charge, and also with the amount that was charged. I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-15

Manhattan, NY

Rewards

Credit card:

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

Disputed: No Timely Response

2015-04-15

Long Beach, CA

Other

Credit card:

Complaint: While visiting the XXXX XXXX with a friend, we were approached by a man in a hotel uniform about getting a free breakfast and tickets to use on the XXXX XXXX in return for attending a short seminar about the hotel. The man, XXXX, gave us an application that asked if we had attended before, our income, and age. XXXX, told us to put an income of {$75000.00} so we would be eligible and that in the end it would costs us nothing. XXXX led us to their office and introduced us to XXXX and " XXXX '' ( his middle name ). The gave us breakfast in XXXX room, then showed us a video about travel, hotels, etc an a different room. XXXX then took us to her desk and gave us some papers to fill out with our names, date of birth, and asked to see our IDs again. This man XXXX came next and said all of this was very affordable to vacation with their company. We XXXX said we did n't have jobs. I told them I volunteer for XXXX. XXXX and XXXX came and went. XXXX wrote some numbers on a paper and I was lead to believe it was affordable. He said he would run a credit check to see if an ever lower price was available. XXXX came back and said yes and offered me a free 7 day vacation stay, as well as, extra travel points at no cost. A different came out with sparkling cider, took out photo, and saying things like, " Congratulations! '' I thought I had won something. My friend, XXXX, said he really wanted and needed a job ; I commented that I needed XXXX too, as I 'm only a volunteer and am on XXXX. They said they would hire him and took his information at this point. XXXX took us to another room with XXXX and a different young man. I told them XXXX I did n't understand completely. XXXX said it was simple and I asked how much it cost and she pointed to paper but did n't not explain it and did n't give me time to read the big pile of papers before me. She said things like you sign this because you are getting a resource guide, or initial here and it means you got the folder. XXXX and I mentioned many times that I did n't have a job and am a volunteer for the XXXX not a worker. They said it was so inexpensive and would put it on a credit card that I was approved for but I told them I did n't want to join if I could n't afford it or use a credit card that I knew I could not pay. I emphasized that I am XXXX, on limited income, and take medication but assured me I could pay it and enjoy an nice vacation. Upon my arrival, I spoke with my boyfriend XXXX who saw I was very upset and confused about what had occurred. XXXX also explained how XXXX misled us and how I kept saying I did n't have work or money either. XXXX looked at the papers and saw a credit card was opened in my name and charged the card over {$17000.00}. I did not authorize them to open a credit card account, only to check my credit. Now, I am fearful my credit will be affected because I ca n't afford any of this on my social security XXXX income. I feel that they took full advantage of my XXXX after telling them numerous times I was in financial hardship from dental bills. I feel my friend XXXX was taken advantage of too because he said he had just come to the XXXX within a month from the XXXX. I called the office shortly after and was told the office was closed until Friday night. They sent me with a big backpack of books and catalogs ; I told them I thought I just got a small vacation not a bunch of catalogs. They said it was so easy to call the toll-free number and the staff wished us congratulations, again and again. I also contacted the Barclay bank they opened the account in and was told I could not cancel until I received the credit card by mail. The Wyndham XXXX Company did n't take my proper full address when I noticed my apartment number missing and I do n't know if I 'll even get a card in the mail.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-04-15

Bakersfield, CA

Closing/Cancelling account

Credit card:

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

Disputed: No Timely Response

2015-04-15

Scottsdale, AZ

Balance transfer

Credit card:

Complaint: On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-14

Lakewood, CA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-04-14

Frederick, MD

Delinquent account

Credit card:

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

Disputed: No Timely Response

2015-04-13

OH

Other

Credit card:

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

Disputed: No Timely Response

2015-04-12

Advertising and marketing

Credit card:

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

Disputed: No Timely Response

2015-04-09

Delray Beach, FL

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-04-09

PA

Billing disputes

Credit card:

Complaint: I purchased an electric shaver from XXXX on XXXX XXXX, 2014 for {$63.00}. It was lost in shipping and I never received it. I contacted XXXX on XXXX XXXX, 2014. They agreed the item was lost in shipping and shipped a XXXX shaver. They also granted me at {$7.00} credit for my inconvenience. I received the XXXX shipment, but never the XXXX. My spouse did n't like the shaver so I returned it. Despite at least XXXX phone calls to EACH XXXX and Barclays, they keep recharging me for this item. I have NOTHING. I returned the XXXX item I received. I am out {$77.00}. I can not keep calling. This MUST XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT - XXXX XXXX REBILL-XXXX XXXX REBILL-XXXX XXXX XXXX XXXX REBILL-XXXX XXXX, I do n't even want a refund. I want NO MORE XXXX charges to appear on my account -- ever. I want them blocked. They are being vindictive. Please help me.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-07

New York, NY

Delinquent account

Credit card:

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

Disputed: Yes Timely Response

2015-04-07

Waupun, WI

Other

Credit card:

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

Disputed: No Timely Response

2015-04-07

Plymouth, FL

Advertising and marketing

Credit card:

Complaint: On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. The Barclay card offered 0 % interest for 14 months and I decided on it. I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. My first billing statement showed no interest being charged, as expected. However, my second billing statement showed interest of {$25.00}. The third billing statement showed interest of {$3200.00}. The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-07

MA

Credit card protection / Debt protection

Credit card:

Complaint: I noticed a couple of unauthorized charges on my statement XXXX months ago. I immediately called the card company to report the fraud. They removed the charges and issued a new card. On my next statement, I discovered that they had transferred the charges to the new account. I have not activated the new card. I called again and was informed by a fraud agent that the charges, along with the new fees and interest, would clear in a couple of weeks. They have not. I 've been getting dunning notices on a regular basis, and my credit score dropped XXXX points overnight.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-07

Houston, TX

Billing disputes

Credit card:

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

Disputed: No Timely Response

2015-04-06

Copper Canyon, TX

Balance transfer fee

Credit card:

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

Disputed: No Timely Response

2015-04-06

NC

Other

Credit card:

Complaint: Barclays Bank Delaware is reporting a credit card under my name with a balance of {$6800.00}. This account is not mine, but is being reported to XXXX. XXXX shows the account was opened XXXX/XXXX/93. This account is not mine.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-06

Newnan, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

Complaint: since XXXX/XXXX/15 I have received XXXX phone calls from XXXX Barkley Bank regarding a bill I owe for {$200.00}. I am XXXX years old so I have hard time hearing so my daughter talked to these people several times asking for a bill. To date I have never received XXXX or a past due notice, just these harassing phone calls.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-04-06

Charlotte, NC

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I do not recognize this account this account has been opened as a result of my identity being stolen it needs to be removed asap
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-04

Amarillo, TX

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

2015-04-03

NY

Billing disputes

Credit card:

Complaint: I have paid Barclay bank XXXX for XXXX months. I have paid what I believe to be the monthly charge plus extra toward my past due balance. I have a statement sent to my email monthly from Barclay with a link to log on and see statement. I do not remember my log on information. I have called the company to request help and am directed to a collection agency that will not give me my full account information or any other assistance to log on and see account. They state they do not have access to that information as they are a collection agency. They will not connect me to Barclay Bank to request assistance stating Barclay does not have my account, yet they send me an email monthly with statement. I am unable to switch to paper statements as I do not know the account number. Someone from this account calls me daily for collections despite my paying weekly.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response