BARCLAYS BANK DELAWARE
Consumer Complaints
There are over 7700 complaints on file for BARCLAYS BANK DELAWARE. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 27
2019-06-22
Strasburg, VA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Barclaycardus deserves a complaint for their detrimental practices. Detrimental to the credit scores of their customers.
I as well as others have had a problem having credit giveth and the a'taketh. I was given a limit of {$20000.00}, shortly after I spent approximately {$6700.00} i received a letter stating my limit was being reduced. To just above what I had spent. This looks like I spent almost 100 % shortly after I received the card and increased my percentage the of credit usage, decreasing my credit score.
Why would a company give credit then once it is partially used ( 33 % ) recind the majority of that limit.
The best part, after I had paid off half, and some other debt in less than a year, I asked to have my limit reinstated, which would require a hard pull ( as they stated on the phone ). So after the initial decrease in my credit score I would have to have another harm to my score to have it fixed.
So, don't get a card from barclaycardus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-22
Keyport, WA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: On XX/XX/XXXX a balance transfer was initiated with XXXX XXXX credit card which is owned by Barclays Bank. A request was submitted to transfer {$3000.00} to a XXXX XXXX credit card account to take advantage of a zero percent interest offer made by Barclays Bank. The funds posted to the Barclays account as being transferred, but never made it to the XXXX XXXX account. An investigation was started at Barclays Bank on XX/XX/2019 ( Case # XXXX ). No corrections were made to the account and a second call was placed to Barclays on XX/XX/2019. Barclays advised they would escalate the investigation and gave the same case # as reference for their investigation. No corrections or contact has been made again, so a third contact was made on XX/XX/2019. The Operator on the call that day ( Oper ID # XXXX ) advised the case would again be escalated. When asked to speak with a supervisor the operator advised none were available to take the call. She also advised the issue would be resolved in 24-48 hours. Another call was made today ( XX/XX/2019 ) and still no resolution. Spoke with two separate supervisors ( XXXX and XXXX ). Between calls with them, contact was made with XXXX XXXX customer service to see if they could help in any way. XXXX XXXX requested information on what account number the transfer had been sent to, how the transfer was sent ( check or electronic transfer ), and the date when the transfer 'cleared '. The representative from Barclays ( XXXX ) was only able to say that the 'back office ' was handling this and to give them another 7-10 business days before calling back again. It is completely UNACCEPTABLE that Barclays Bank ( XXXX ) is unable to confirm where this money has been sent after more than 6 weeks and multiple calls to them. Also contacted XXXX XXXX again and they advised no investigation can be opened on their side to locate the funds even with the information gathered ( the transfer was electronic, it 'probably ' cleared on XX/XX/2019 - but this can't be confirmed because they won't look up the account number that Barclays shows the funds were transferred to ). Because funds are not in my account they will not open any investigation to find the funds and continued to refer me back to Barclays Bank.
Please advise what else can be done to fix this issue as neither bank is providing service to locate the missing funds!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-22
Lb, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: In XXXX we receive a promotional offer from Barclay 's to open an account with them with 0 % interest rate for 15 months billing cycle, all purchases including balance transfers. When I check the statement this month, I notice an interest rate was applied to the account. I called Barclay 's and spoke with XXXX ( who is rude and hang up on me ) when I questioned the interest rate. then I called again and spoke with supposedly the supervisor of XXXX, Her name is XXXX, she said that what we signed up is 0 % balance transfer only and not 0 % interest for purchases. I said this is not what we signed for a 22 % interest rate. This is a case of bait and switch tactic by Barclays and false advertising. XXXX indicated Barclay will not honor the 0 % interest for purchases for 15 months. This is not what we originally signed up for. We opened the account based on the premise that 0 % interest rate on purchases for 15 months, not what Barclay is claiming
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
Turlock, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
Shelbyville, IN
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-06-21
South Florida, FL
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: Barclay Bank Credit Card US - In XXXX I had a conversation with an agent of Barclay Bank regarding entering into a long term payment plan of 5 years to get my account current and get payments made to pay off the amount due. The confirmation # of the agreement we made is XXXX. In that conversation the agent assured me that within 4 or 5 payments of this new amount ( {$82.00} a month ) my account would show " current '' on ALL credit reporting agency reports and that as long as I made the payments, the account would be in good standing. This program was called the Long Term Assistance Program. In XXXX of XXXX, while trying to refinance our home with a VA mortgage, it was discovered this account is still showing as ALWAYS LATE. This is a lie. I have not missed a payment in 2 years. I called Barclays and filed a complaint ( # XXXX ) and spoke with 2 managers - XXXX XXXX and XXXX XXXX, who listened to the call from XXXX and agreed that this was indeed what I was told by their agent. However, the agent lied to me and what she assured me was the case, was in fact, a lie. I have asked the two managers to make this right and abide by the promises and assurance I was given and to make the account show " Current '' as I was told it would, and they both refused. Their answer is to apologize for the lie, and to tell me the account " doesnt qualify '' to be shown as current even though I have never missed a payment under the plan we agreed upon. They have refused to assist me and have even promised return calls that never came ( XXXX - I promise I will call you at XXXX Monday the XXXX of XXXX That call never happened and it took me 3 more calls to even get her to answer the phone ). What they have done is unethical and a true " bait and switch '' scheme whereby the consumer ( me ) believes what the agent promised me and I live up to the agreement - just to find out it was a lie and they are going to continue to fraudulently report the account is late, which it isnt,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-21
Chicago, IL
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-20
Lafayette, CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-20
San Gabriel, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: XXXX XXXX, Office of the President of Barclays provided a response on XX/XX/XXXX that my XXXX Business Card has been resolved, I have also received a verbal phone call from Mr. XXXX saying the " Review '' for XXXX card has been resolved. I have not attempted to use the card until today XX/XX/XXXX and it continued to decline. I called XXXX XXXX Customer service at XXXX at XXXX XXXX and spoke with a rep who then transferred me to another rep in " Business Review Department '' at XXXX but transferred me to that number and despite explaining my letter and them selectively approving my XXXX XXXX Business Mastercard, they said, " Review team still has your XXXX Business Card under review. There is no time-frame when they will call you, expect a call from them. '' Despite explaining my other Barclays account ( XXXX ) was removed of the hold and able to use card, they said XXXX is still under review. XXXX XXXX responded in the previous attachment that " we were able to remove the security holds on both accounts. '' Clearly one of the accounts still has a security hold. I have faxed over my Social Security Card, California Driver 's License, and my XXXX Federal and State tax return to Barclays Review Team on XX/XX/XXXX at Date : XX/XX/XXXX XXXX XXXX PDT Receiver Name : Barclays Review Team Receiver Fax # : XXXX Subject : Review Team Page Count : 74 ( including cover page ) There has not been 1 attempt of phone call from the Review Team at this time, I didn't expect a call as I did receive this official letter and a direct phone call from XXXX XXXX saying both my accounts hold are removed. I would like a follow-up and expedition as it has taken quite some time and it is HIGHLY inconvenient every time I call it will take over 45 minutes of my time deferred to another rep that holds no accountability and says conflicting reports. I have left a voicemail to Mr. XXXX XXXX ext XXXX on XX/XX/XXXX at XXXX and his office should be open until XXXX but nobody answered at this time. Mr. XXXX, may I request a resolve for this situation? I thought this was already cleared and I do appreciate your professionalism and follow-up calls but if you verbally and indicate on paper that both accounts are cleared, it should be cleared. I should not spend any more time on this yet I have already spent a total of 2.5 hours already! I ended work early to enjoy my extra 4 hours off but spent most of it on this matter! I am sorry for the frustration but I am so upset about this. It's already been about 1 month since the XXXX XXXX XXXX has been opened and I am unable to use it despite sending in personal and quite dangerous security documents to you nearing 3 weeks. Please help I am tired of calling customer service reps that provide false reassurances and no follow-ups.e )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-06-20
Houston, TX
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I received my Credit card statement from BarClay Credit with the following information : Ending balance as of XXXX : $ XXXX/received payment on XXXX of {$210.00}. The remaining balance is noted as {$7100.00}. My Interest rate is 24.40 % APR. Based on Barclay customer service agent on XXXX phone call, the formula to calculate how much interest is due for the next bill would be {$7100.00} x 0.2124 =1525.58424 which then is divided by 365 days ( 4.17968285 ) and multiplied by 30 days in the current cycle bill for a total of 125.39 ( interest ), however my bill notes my statement notes they are calculating the interest of {$7400.00}. I asked where they got the XXXX from as this number does not match my previous ending balance or my current balance. The customer service agent noted they round up in their calculations, however I went step by step and asked him to tell me where they rounded up so I could add this my calculations. The customer service agent could not provide an accurate response and he himself could not explain why where the {$7400.00} amount was derived to calculate by interest rate. This amount is even higher than my ending balance on XXXX or my balance after my payment. I have not paid a single purchase during the period of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Severna Park, MD
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I entered into an agreement with XXXX and XXXX on XX/XX/2019 ; reference XXXX Trip Number XXXX ; for a flight on XXXX XXXX and a car rental from XXXX during the dates of XXXX through XXXX XXXX to XXXX XXXX, XXXX . The agreed upon amount for the car rental was {$140.00} for the dates of XXXX through XXXX XXXX.This was booked and confirmed on XXXX.I called XXXX directly on XXXX XXXX and spoke with XXXX, who confirmed the total amount for the rental period was {$140.00} with no additional charges. I was told this was on a recorded line, thereby allowing you the availability to listen to this recording.
When we arrived in XXXX XXXX XXXX XXXX, we proceeded to the XXXX counter which XXXX was nice enough to have given me directions from the gate to the counter on XXXX XXXX.It was at that time we were told I had to take Liability Insurance on the vehicle in the amount of {$16.00} per day. I stated the entire scenario to the gentleman at the counter ( through an interpreter ) and that I adamantly denied the Liability coverage. He told me the only way I could drive the car was to take the Liability coverage and dispute the charges with Corporate. Since we had no other option, I wrote denied coverage, dispute charges ALL OVER THE AGREEMENT, which I notice XXXX did not put in their package. They also demanded a deposit in the amount of {$1100.00} at the time of rental. Once again, I had no other choice, since my significant other and I had 6 suitcases and no other means of transportation for the time in XXXX.
We called XXXX while in XXXX and were told the same thing, to take the rental and then dispute the charges when we got back home.
When we returned the car, I once again vehemently denied the charges for the Liability coverage and when I refused to sign for the {$660.00}, I was told they would put the total amount of {$1100.00} that I had to use as a deposit on my account. I was again at their mercy and was coerced and intimidated into signing for the charges. As displayed, I again wrote that I was disputing the charges and had declined Liability coverage.
As soon as we returned home I called XXXX and tried to work out the charges, but was told they would do nothing to satisfy my requests per the Emails. I then called XXXX to place a dispute on the charges and provided all of the agreed upon contract pricing entered into on XXXX charges were placed in dispute and I was credited {$510.00} ( the amount charged from the Liability Insurance ). When I was notified that you were siding with the Merchant, I requested a letter stating your response and the documentation and correspondence from the merchant.
At that time I contacted the Federal Trade Commission, the Consumer Financial Protection Bureau and an Attorney specializing in these matters. ALL OF THEM AGREE, I can not be held liable for charges that I was coerced into signing and threatened with retaliatory action if I did not sign.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Houston, TX
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: I have been a victim of credit card fraud which your bank allowed from XXXX of XXXX to XX/XX/XXXX 2 years to continuously happen and now XXXX XXXX XXXX has charged XXXX as of the last report from the credit bureau which I had to place an identity theft alert on my account. In all my years I have never been taken like this. My credit score dropped over 100 points from XXXX to XXXX I have always paid for EVERYTHING I put on a card or any bank Ive paid for it. XXXX XXXX XXXX used the card she stole from my house with my name on it to set up the online account and made herself the authorize user, using her own personal email, her cell number, and her own computer. I found out what was going on when Ms. XXXX maxed the card and in XX/XX/XXXX Is when I was told by your bank what was happening. I was told by your fraud department that I set the online account up, but I did not when I was asked to verify the online credentials I could not because I never set it up. Your fraud department had to copy ALL THE STATEMENTS BECAUSE I WAS UNAWARE AND I HAD BEEN TAKEN ADVANTAGE OF BY Ms. XXXX the account she set up was paperless, so I never received anything. Your fraud department said I gave her permission on the application to have a card, but when I ask them to send me a copy of my original application they said it was not available that the Cruise line had it and I sent the cruise a certified letter asking for this information they wrote me back and said your bank had the original and when they sent it to the Barclaycard Services they destroyed the information ( I have a copy of this statement ). I asked the fraud department to pull the phone conversation that in the beginning your bank said that it was phoned in to authorized Ms. XXXX XXXX XXXX to be a user on the account and thats when I was told that it was added on line, BUT YOUR BANK WILL NOT GIVE ME THE ONLINE INFORMATION BECAUSE I DIDNT SET IT UP. ON THE CARD ENDING IN ENDING IN XXXX WAS NEVER USED and THE CARD IN MS. XXXX NAME ENDING IN # XXXX she had both the cards she activated BOTH cards and began to use it. I have filed criminal report against MS XXXX ( see Police report and I will take this all the way to a legal court because I didnt make any of these charges as you can clearly see. I have an address for MS XXXX at work which my attorney located she has a job, she made the bills, she frauded your bank then she needs to be responsible not me. I never charged one thing on that account because if I would have, I would have paid for. Please reopen my fraud claim and take these charges against my name and my credit off and place Ms. XXXX pay you all back. She works for a state agency the Work Force Commission XXXX XXXX XXXX XXXX XXXX Tx XXXX. Im 60 years of age I cant afford to pay something back I did not do or authorize any one to do so. MsXXXX XXXX took advantage of me, stole from me and just because I allowed her in my home did not give her the right to take a credit card from my house set up online account assess and charge XXXX please deem this account fraud and close it out taking it off the credit report and place legal action on MS XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-06-19
Mabank, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: On XX/XX/2019, I did a promotional balance transfer from a Carnival Master Card issued by Barclay. The balance transfer was never issued to my Visa. I was charged the transfer fee of XXXX and the transfer amount of XXXX. I begin making calls on XX/XX/2019. They informed me the balance transfer number was wrong and is being investigated. They informed me the issue would be resolved in 30 days. I called back XX/XX/2019. They informed me they have expedited my issue and it should be resolved 24/48 hours. They told me to call back on XX/XX/2019. I waited and called back XX/XX/2019. The person I spoke with said it will take 30 days to be resolved. I explained to them it has already been a month and a half. He hung up. I called back spoke with another person. I requested a supervisor. I was told it will take 24/48 hours. I am concerned this transfer is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Queens, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: My previous balance was {$1800.00} including interest charged for the month of XX/XX/XXXX and payment due to XXXX.I was fully paid the amount of {$1800.00} on the due date XX/XX/XXXX.
Now, I checked online my Barclaycard credit account and I noticed they charge me for another interest charged of {$34.00} and due to XX/XX/XXXX.
I called that company and I spoke the manager XXXX.I told her Im fully paid last XX/XX/XXXX and I dont have any credit balance why I have still interest charged of {$34.00} and due to XX/XX/XXXX.
She said thats my accrued interest charged and she refused to waived that amount.
This not fair in my side.How I cant get interest charged again, Im fully paid and I dont have balance in my credit account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-06-19
Berthoud, CO
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: On XX/XX/2019 I called barclaycard to open a line of credit. My intentions with this line of credit was to transfer an existing Barclay balance onto this new card with a 0 % APR. I was very specific about my intentions and verbally stated them multiple times to multiple agents on the phone. Upon hearing my request the agent offered to open me a card. I told her I would only open the account with the pre mentioned stipulation ( the balance transfer ) as a guarantee. It was at this time the agent fraudulently opened the card in my name. Only after my credit was pulled and everything was finalized was I told Barclay does not even consider transferring balances from an existing barclaycard to a new one. They knew this as fact, and in a predatory manner, manipulated me into opening this account anyway. I immediately demanded a supervisor review the recorded phone call of my application and reverse all actions made. I was told the call would be immediately reviewed and I would be contacted back within 24 to 48 hours. After waiting an entire week to hear back from some sort of supervisor within their company, I was finally contacted and notified that they do not listen to recorded phone calls of applications, nor would they be able to do anything about the fraudulent account being opened. This is a predatory and manipulative process that they are putting people through. I can't see how it is legally possible for them to continue to do business the way that they are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Bellevue, TX
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Problem with personal statement of dispute
Complaint: This dispute is in regards to an account I had with Barclay Aviator Mastercard which I was no longer using, however, left open for credit reporting reasons. As a client in good standing and with no previous late payments in the history of our relationship, Barclay made no attempt to reach me ( by phone or by a mailed statement or notification ) to inform me that a {$35.00} charge from XX/XX/XXXX was past due and was accruing monthly late fees.
Despite having my current phone number and mailing address, no attempt was made to notify me about this line charge until I received a letter on XX/XX/XXXX informing me that my account was being closed. I called immediately and paid my balance, but not only had Barclay closed my account, they had also reported me to all three credit bureausover a {$35.00} and without making one attempt to notify me.
As I found out, this {$35.00} charge was for a one-year service I had paid for the year prior. I had not set this up, to my knowledge to auto-renew. However, it had.
Barclay Aviator Mastercard violated the terms of my credit card service agreement by failing to notify me by phone or by mail that late charges and interest were being charged. Oddly, this same company regularly called me concerned about " suspicious card activity '' when I was actively using the card for every day rewards spending.
When I contacted Barclay, I was told I had enrolled in paperless billing and that I received emails and not mailed paper statements. I never consented to electronic statements! I couldn't find any emails despite them having my accurate email address. Still, their associate acknowledged that I should've received multiple calls and letters during the 3 and half months this charge was adding late penalties. Why didn't I? Apparently, if you are enrolled in paperless billing you've agreed to receive statements AND Notices " electronically when legally permissible. '' It's legally permissible to notify a cardholder of their default status, the assessment of late charges and interest via email? If it is, that's a major e-statement loophole consumers should know about.
In addition to them closing my account without warning, they've also ruined my credit score as they reported my account as 90 days late to all 3 credit agencies. My credit score has drop from over 800 to XXXX. This despite over 30 years of credit history without one late payment on my record.
I've mailed goodwill letters explaining all of this to the agency I was told to, and after 3 months I've been told my appeal has been rejected. I've reached Barclay 's resolution department, but I'm told they make no goodwill adjustments regardless of the circumstances.
My last resort is disputing the validity of the original auto-renewal charge, but it's now almost been a year.
How could a company that called me regularly to verify that " suspicious card activity or behavior '' was valid, make no attempt to call me or send a letter for a matter with such severe consequences? The only logical answer is that a {$35.00} balance that can generate {$35.00} a month in late fees and compounding interest is worth more unpaid than not. I have no doubt that had my balance been {$500.00}, I would've received a call or something in the mail.
Regardless of how many times a business asks you if you want to stop receiving paper statements, I would strongly advise against it. I don't even remember consenting to this, but it was clearly used as a loophole in my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-19
Hinsdale, IL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: Barclay Bank has reported this twice to my credit file removed it only. to add it back for the amount of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-18
Knickerbocker, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-18
Opelika, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-18
Foothill Ranch, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I opened a Barclays XXXX Reward Card a few years ago. I did the 14th month payment plan with 0 interest to buy an XXXX product and did autopay so my account balance was paid in full every month. No issues. This was in XX/XX/XXXX.
In XX/XX/XXXX Barclays offered me the same promotion. I was going to use it to buy a new Apple product. They said they sent me a new card in XX/XX/XXXX. I never received the card.
I contacted them 4-5 times in the month of XX/XX/XXXX and in XX/XX/XXXX. In XX/XX/XXXX I contacted them to tell them I had not received the card. They then told me it may take another week. I still hadn't received it. I then received a notification that a balance was due for the shipping of the card. I attempted to pay over the phone but I was told that I would need my card to pay. I told them I hadn't received my card. They said they couldn't provide my account number over the phone so I would not be able to pay over the phone. I also could not pay online because paying online requires having the card information.
Customer Service said I would be contacted within 24-48 hours by a manager. I was not contacted. They refused to remove the charges. Then it was XX/XX/XXXX I called again saying I had no access to my account and a balance I wanted to resolve. Customer Service had me speak to the manager who said they could not remove the shipping fee for the card and the late fee. I also asked them to give me the tracking number for the card and they said they could not provide that to me.
Because of this, my credit score dropped 20+ points. I have NEVER been late on a payment on any card or loan. I am financially responsible. I am not in a position to be irresponsible.
I contacted them again and finally, Customer Service agreed to waive the fees once I told them I was going to report them.
They said they were going to mail me proof of my XXXX balance. They did not. This was confirmed by the customer service representative I spoke to later. She said nothing was mailed. She said I could see my balance online and I told her I didn't have access to my account because I still hadn't received my card. I requested another card be sent to me so I could access my account and verify my XXXX balance. She said she was going to send me a duplicate and I asked her to send me a new card with different numbers. She said she couldn't because there was an issue with my account. She then forwarded me to the Barclay 's Security Team who said it was a security issue. The Security Team went through a number of security questions to verify that I am me. They told me my account was closed yesterday due to inactivity even though they had charged my account less than a month ago. I had not received any notice prior to this phone call on XX/XX/XXXX of my account being closed. When asked to receive verification of this they said they would mail me a letter but could not confirm this through email. They said I could check my online account and I reminded them I could not because I never received my card.
I was then forwarded to the Credit Department. I was told by the Security Team that the credit department can send out a letter to the Credit Bureau to correct their mistake. The Credit Department told me I could dispute this with the Credit Bureau. I told them I already am and I am also going to report them because they did not resend me a card, allow me access to my account, send me information regarding the balance in the mail or by email and they gave me the run around when nobody would help me resolve this issue for months. They said this is because I have a paperless account. I don't have access to my online account so I don't understand how that is possible.
Today they had me speak to a supervisor who they said would certainly resolve my issue. After almost 2 hours on the phone with Barclays without interruption, they hung up on me, they said the call was dropped. I maintained professionalism throughout each phone call.
I called back and was able to speak to a manager for the XXXX Rewards Card named XXXX. XXXX sent me an email statement finally confirming that my account had been credited. I had a XXXX balance. But she said she could not send me confirmation that my account had been closed. I also asked her if she was going to contact the Credit Bureau to inform them of their mistake. She said I had to write a letter to Barclays Dispute Team. I asked her to email me the address she said she could not email it to me. This was the address she gave me over the phone.
FCRA Credit Bureau Disputes XXXX XXXX XXXX XXXX, Delaware XXXX In short, they charged me shipping fees for a card I never received, which turned into late fees. They did not allow me access to my account without this card so I could not pay fees even over the phone because they said I did not have my Barclay card information. The customer service department could not provide me with proof of my balance by email ( said they would mail me a letter twice, but Customer Service confirmed that was never done ). They did not notify me of my account closing until today. All of this caused my credit score to drop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-18
Houston, TX
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: Opened an account with Barclay bank U.S.A back in XX/XX/XXXX. I have used the account a few times and paid if the balance as agreed. However, to my surprise the account was closed by the creditor on XX/XX/XXXX, without any notice. Instead I received a letter indicating the account was closed and I was urge to reapply if I still require use of such account. In any case, I took the creditor for his word and reapply for a Barclay bank credit card, however, to my surprise despite my excellent credit history I was turned down. I am not clear why I was turned down since, I am yet to receive a letter from Barclay bank indicating the reason for the denial. However, I feel as if I am being coerced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-18
Santa Clara, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-17
New Rochelle, NY
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place.
I am not responsible for any charges made to these mentioned accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-17
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-06-16
Canyon Cntry, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation