BARCLAYS BANK DELAWARE

2015-03-25

Worcester, MA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-03-25

Oxford, GA

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
Complaint: My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-25

Kawaihae, HI

Payoff process

Credit card:

Complaint: I charged some items on my Barclay Bank credit Card with deferred interest. A few months later, after making my required payments, I paid a total of {$2000.00} in XXXX month. This was more than enough to pay off the deferred interest charges. Barclay did not payoff the deferred interest charges.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-25

Point Arena Air Force Statio, CA

False statements or representation

Debt collection: Credit card

Impersonated an attorney or official
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-25

Milton, FL

Billing statement

Credit card:

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

Disputed: No Timely Response

2015-03-24

WI

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: The US Air ( ways ) and XXXX XXXX merger has created many problems for me as a credit card holder. I have been issued about XXXX different card numbers because of the merger, and supposedly there will be at least XXXX more. At the merger, each card number changes, the prior account is no longer available, and it creates a lot of problems for direct billings that the card holder has and is expected to notify those companies that direct bill with each card change. This is not an easy task, and who knows what happens to a credit score during this process, and changing the credit card is very time consuming both for the card holder and the business and seems to significantly interfere with the time, responsibilities, and work for each since most account changes need to be made between XXXX - XXXX, M - F. The most annoying change has been with Barclays, XXXX, and how many of the rules have changed in terms of cut off time to pay which is now XXXX Eastern ( I live in Central Time Zone ), and how likely they are to assess late fees and finance charges beyond XXXX of the day the bill was due. The cut off time is totally ridiculous when the credit card company is held by a XXXX and presumably is a national credit card. The prior US Airways credit card had a lot more leeway without being assessed late fees and interest rates, and easy and fair removal of the late fees and charges. The XXXX card change after the merger was a XXXX XXXX XXXX card which looked exactly like the prior XXXX XXXX XXXX card, except had a new account number, but all of the additional printing on the card seemed to be the same. Was this change essential?? It did n't appear to be. Barclays also has on the recording when phoning in to access the account they request the account holder to provide the FULL social security number or the FULL credit card number. This seems to be outrageous ; under XXXX XXXX XXXX we had to provide the last XXXX or XXXX digits of the credit card number AND the zip code. The request that Barclay makes seems to be ripe for issues of identity theft, then you must provide additional private information when you speak to an associate. I think the request for the full social security number or full credit card number is excessive, especially when they also ask for the zip code for the billing address. It is possible that the security system was designed by programmers in the XXXX ( sp ), where this information is likely not considered protected and private information. Supposedly there will be yet another credit card change, which initially was going to be ANOTHER card within 6 weeks of the card that was required to be used by XXXX XXXX ( or so ) from Barclays! The merger has created lots of extra work for credit card holders, and providing too much information via phone that can lead to customer fraud and identity theft.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-03-24

Burlingame, CA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: I have been a XXXX XXXX XXXX for 4.5 years and my identity was stolen last year. The thieves obtained a credit card from Barclay which they used to rent and steal cars XXXX miles away in XXXX California. I have provided tips to law enforcement, leading to seizures of some of the thieves ' equipment, and the police have video surveillance and XXXX suspects in custody, caught in a stolen vehicle with many fraudulent IDs, including some for me. I have provided this information and the police report to Barclay and XXXX in multiple disputes since XXXX. I recently mailed a dispute to Barclay and requested all documents relating to this account, including a list of all charges and payments made, all investigative findings, when they contacted the law enforcement contacts I provided, and how and when they verified any and all information, as is my right under the FCRA. However, they have refused to provide me this information and are thus in willful noncompliance with the FCRA.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-03-24

Hesperia, CA

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: Yes Timely Response

2015-03-23

Unity Plaza, CT

Making/receiving payments, sending money

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

2015-03-22

Stoneham, MA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-03-21

Ocean City, WA

Credit determination

Credit card:

Complaint: I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-21

Soquel, CA

Balance transfer

Credit card:

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

Disputed: No Timely Response

2015-03-21

Gastonia, NC

Bankruptcy

Credit card:

Complaint: Acct # : XXXX Yesterday my credit report was pulled and it is showing Barclays Bank is reporting to Credit Reporting Agencies that I owe {$48000.00}. XXXX 2011 I was granted Discharge of Debtor under Chapter XXXX Bankruptcy and this debt was included and notices were sent out by my attorneys office. On the credit report it not only states that I owe this debt but it also states the Account was closed at consumers request and states as 'Profit & loss '. It should state 'In Bankruptcy ; Chapter XXXX ; Bankruptcy discharged ' with a XXXX Balance. Please correct this as soon as possible. This is an extreme negative report against me that should be showing as charged off. I 'm sure your company has written this off long ago. If needed/necessary I have all documentation to prove my position. My attorney is XXXX XXXX. You can call him at XXXX and he will answer all of your questions about my case. Or, you can contact me at XXXX and email XXXXXXXXXXXX XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-21

MA

Transaction issue

Credit card:

Complaint: On XXXX/XXXX/2015 my sister initiated a credit card payment through XXXX XXXX XXXX online bill payment system to L.L. Bean Visa ( Barclay Bank USA ). The original credit card balance due was {$4700.00}. The amount entered by my sister ( in error ) was {$47000.00}, an over payment of {$42000.00}. I uncovered the over payment on XXXX/XXXX/2015 and as an authorized user on both accounts, immediately called both banks. Barclay Bank US informed us that they would return the original payment of {$47000.00} by issuing an online payment back to XXXX XXXX XXXX. They additionally instructed me to make another online payment for the original amount owed ( {$4700.00} ) before the statement due date of XXXX XXXX to avoid interest charges and late fees, which my sister did on XXXX/XXXX/2015. We were told by Barclays Bank US that it would take a week to 10 days for the original payment of {$47000.00} to be returned to XXXX XXXX XXXX numbers were assigned by both banks to our issue On XXXX/XXXX/15, after confirming with XXXX XXXX that no refund had been received from Barclay Bank, I contacted Barclay Bank XXXX again and re-explained what had transpired to date. I was given no explanation why nothing had happened yet on our case, was issued a new case number and told the the original payment of {$47000.00} would be returned to XXXX XXXX within 2 days. On XXXX/XXXX/2015 after receiving no payment from Barclay Bank USA, I contacted Barclay bank again, was told that the case number assigned to the call I made on XXXX/XXXX/15 had been closed because Barclay Bank USA was unable to issue a refund to XXXX XXXX XXXX because the original payment had been made through a " XXXX party ''. I asked why they did not inform me of this and got no answer. I questioned who the " 3rd Party '' was and they could not tell me. I got the agent from Barclay Bank USA to conference in XXXX XXXX XXXX online payment department, and the agent from XXXX XXXX confirmed that they use a " 3rd Party '' to process their transactions and recommended that Barclay Bank USA just issue us a manual check for the credit balance on our account, which the Barclay agent agreed to do. I was told by the Barclay Bank agent that this would be done within the next 24 hours and that it would take a week to 10 days for us to receive the check by US mail. She also mentioned that we could monitor our account online and that when we saw our credit balance return to XXXX, we 'd know the transaction had processed. She also assigned a new case number to the transaction. On XXXX/XXXX/2015 after seeing no change in our Barclay Bank Credit balance, I called Barclay bank again, went through the whole history again, was told that I 'd get a call back that day by a manager, which never occurred. I repeated the same process on XXXX/XXXX/15 and XXXX/XXXX/15, was given no feedback on the status of our case and told a manger would give me a call back, which has not occurred.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-21

South Florida, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Hello I am a victim of freud and I have made so many attempts to have this resolved my credit cards were used and I reported this each company without resolution. XXXX, XXXX Bank, XXXX XXXX XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-20

Laurel, NY

Advertising and marketing

Credit card:

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

Disputed: No Timely Response

2015-03-20

Chicago, IL

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-03-20

NJ

Advertising and marketing

Credit card:

Complaint: XX/XX/XXXX I went on Frontier Airlines website to purchase tickets for an upcoming trip. On their website there is a banner ad ( still there ) stating that you can get XXXX air miles if you take out the Frontier Airlines MasterCard ( Barclay Bank ). It says that you must pay a {$69.00} annual fee and spend {$500.00} or more within 90-days. I did this and received the approval and then booked with the card for over {$500.00}. I have been arguing with them for 3/4 of a year now about not receiving the air miles. They have finally determined that I am due XXXX air miles because I used the card too soon. There is nothing on the site that tells you not to do that, and it would appear that the intention of the site is to get you to take out the card so that you may buy the tickets. If I am having this problem, I would be willing to bet that XXXX other people are as well. It is false advertising and predatory to say the least.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-20

Pulaski, MS

Communication tactics

Debt collection: Credit card

Threatened to take legal action
Complaint: This individual has called me almost every single day in regards to credit card debt that I have been unable to pay due to unemployment. He leaves numerous messages. He has called my parents, my brother, and most likely other individuals that share my last name. I called him today and he threatened me by saying that if I did not pay a certain amount that legal action would be taken. He hassled me to ask family members for money. I told him NOT to call my parents as I have not lived with them for XXXX years and they would not be paying this debt on my behalf.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-19

CO

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: Yes Timely Response

2015-03-19

San Diego, CA

Advertising and marketing

Credit card:

Complaint: I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-19

Winterville, NC

Credit determination

Credit card:

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

Disputed: No Timely Response

2015-03-18

Florence Villa, FL

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-03-18

Johns Creek, GA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2015-03-18

Berkeley Lake, GA

Other

Credit card:

Company Response: Closed with non-monetary relief

Disputed: No Timely Response