BARCLAYS BANK DELAWARE

2019-11-29

Oxford, GA

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: In progress

Timely Response

2019-11-28

Clayton, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Barclay has reported a negative erroneous account to my consumer credit report which is result in Identity Theft. I have no knowledge of this account. I've disputed this account countless time & their validating the debt as accurate. The account is now in collection & own by a different company recently after I disputed the account for verification. I called that company on XX/XX/2019 where it was sold too & was told that Barclay took the account back moments after. However they have yet to prove verification. Under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA they're required to promptly DELETE off all credit bureaus ( XXXX, XXXX & XXXX ). This action has hinder me negatively, not only myself but, my family as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Woodland, WA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Company closed your account
Complaint: When I attempted to log-in to my account and use my card, I was not able to. I contacted the telephone number and was informed by the customer service agent that my card had been closed due to inactivity. She claimed that I was mailed a letter back in XXXX, 2019. I did not receive any such letter. Upon asking whether I could re-open my account, I was put on hold and the decision was made that I could not re-open my account. I asked what this decision was based on, as I have good credit and always paid on-time. Both the agent and then also the manager could only tell me that they could not re-open due to inactivity. Such a decision has impacted my credit score, as this is the oldest account I have had. When I believed I was using credit responsibly, I have been negatively affected by a lowered score - as one of the reasons listed under my credit score ( which is actually Good ) is that my oldest account is too new. With just a few more points, my credit would be " Excellent ''. Additionally, when I requested to know how they decide to re-open some accounts and not others ( how these decisions are made, and by whom ), I was not given an answer. Without a clear reason how and why these decisions are made ( which directly impact a person 's credit score ), discriminatory or biased practices often result. Furthermore, if a decision is going to potentially impact a consumer 's credit score, the credit card company should rely on more than one way to notify a person. Mail is not the most reliable method, they should also send email and notify joint account holders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Chestertown, MD

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Bellevue, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: In progress

Timely Response

2019-11-26

Aloha, OR

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: In progress

Timely Response

2019-11-26

MD

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: My husband and myself ( XXXX and XXXX XXXX ) booked a XXXX XXXX XXXX ( " XXXX '' ) XXXX cruise for XX/XX/XXXX through XXXX XXXX XXXX on XX/XX/XXXX with my Barclay Credit Card. Our statement shows a cruise with XXXX Reservation for {$2400.00} had been purchased on XX/XX/XXXX. On XX/XX/XXXX, after being told that XXXX cancelled all the cruises booked by XXXX XXXX XXXX - owner XXXX XXXX - because of credit card fraud, we disputed the charges. After talking to XXXX and being told that what happened was fraud, we called and told Barclay that the dispute should be changed to fraud. I also reported the incident with the FBI, as instructed by XXXX. We were told by Barclay that because I gave XXXX XXXX XXXX permission to use my card it would only be a dispute. I disagreed. They would not change it to fraud. I did not authorize her to make any other purchase but the XX/XX/XXXX cruise with XXXX for me and my husband, as the signed contract stated. On XX/XX/XXXX, I spoke to Barclay 's for an update and was asked to supply further information such as a contract or anything else that I had regarding this situation. I provided to Barclay dispute department the contract, the credit card statement, the email from XXXX stating there was fraudulent charges, the invoice showing that my reservation number, etc. I explained to Barclay that XXXX XXXX took my credit card and booked a Hawaiian trip for her family in XX/XX/XXXX and that XXXX would not refund because it was a past cruise, but that XXXX stated it was fraud and for me to contact both my credit card company and the FBI regarding the fraudulent charges. I was told they were still reviewing the information and would have a decision shortly. On XX/XX/XXXX, I received a letter from Barclay stating that they had recharged our card for the {$2400.00} because XXXX said services were rendered. In that letter there was an attachment from an XX/XX/XXXX cruise for XXXX and XXXX XXXX - owners of XXXX XXXX XXXX using several credit cards, including my unauthorized card for {$2400.00}. On XX/XX/XXXX, I called Barclay and explained what happened to me was fraudulent. I signed a contract for a specific product, and I did not receive the product. She was not given permission to use my card for any other cruise then the one I signed the contract for - the XX/XX/XXXX XXXX cruise for me and my husband. She used the credit card for her family to go to Hawaii. It shouldn't be viewed as anything more than fraud. I should not have to pay for this product that I never received. Credit card fraud is when someone uses your credit card or credit account to make a purchase you didn't authorize. I did not authorize Ms. XXXX to purchase a XXXX cruise for XX/XX/XXXX. I was basically told that I could dispute this again, but the outcome would be the same. I was told it wasnt fraud. I am not the only person who was scammed by XXXX and XXXX XXXX. Some credit card companies took those charges off for the consumer because the viewed it as fraud. My sister is one of those parties who had the charge wiped off her card and does not have to pay for a cruise for someone else. I want this viewed as fraud and I do not want to have to pay for a charge that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-26

Fremont, CA

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: In progress

Timely Response

2019-11-25

NC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: In progress

Timely Response

2019-11-25

New Port Richey, FL

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

Timely Response

2019-11-24

Bedford, TX

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: XXXX XXXX has their flight attendants aggressively market credit cards through in-flight PA announcements. These ads often seem misleading ( " fly ANYWHERE using these miles '' ) and some statements seem like lies : 1 ) a flight attendant, in XXXX, telling us " I heard that the XXXX bonus miles offer is going away at the end of this month. '' The offer is still here in XX/XX/XXXX XXXX a flight attendant this week said, " If you're connecting in XXXX, you'll want to apply now because this offer isn't available on every flight. '' But it is. As a frequently flyer, I hate being a captive audience to their intrusive, loud, and often misleading ads.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-24

MA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: Applied for a XXXX credit card. I wanted the standard card but was given the plus card instead so I never activated the card as I had no intention of using it as it has a high annual fee. Now I am being charged late fees and the annual fee on statements sent to me for a card I have never activated or used. I have contacted the company via the website and submitted a complaint and they said a manager would reach out to me but no one has. I want the account closed and the fees + " late payment '' fees to be reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-23

Nyc, NY

Problem with fraud alerts or security freezes

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Complaint: In the apps says that Im over limits on my card and I wan na know why. It says that I have to pay XXXX for some payments that I made but I dont remember making them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-23

PA

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 had a XXXX procedure done at the XXXX XXXX for {$850.00} back int he XXXX of 2019. I was not happy with my XXXX and submitted supporting documents to Barclays/XXXX and they sent me letter that I won the dispute and credited my account the {$850.00}. A few weeks later, they illegally overturned the dispute. I contacted the office of the President and she promised to return my call, which she did not and I have attempted to call her to no avail. This is now affecting my credit score/report. This is now in litigation for the excessive damage done to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-23

MN

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: On XX/XX/XXXX, I bought a computer under deferred interest, that will expire on XXXX XXXX, XXXX. On XXXX. XXXX, XXXX, I called customer service to pay off that computer under deferred interest before the due date as I don't want to end up paying for the interest charge. When I talked to the service representative, I specifically said that I want to pay off my balance for the computer, he said okay, he took my payment information, and after it was processed, he said he got it taken care of. At the end of our conversation, I asked, " so I don't owe anything for my computer right? '' He said, yes you don't owe anything on your computer anymore. Today, ( XX/XX/XXXX ) I found out that I got charged an interest for that computer that all along I thought I paid off in XXXX. XXXX. When I talked to the service representative, she explained to me that the money I paid that time was allocated to the other purchases I had which accruing interest, and not for my computer! As she explained to me, I learned that I can not use my card after using it for buying a product on deferred interest. My point is, I know that I should've read the policy about deferred interest, but that customer service rep that I called to pay off my balance for the computer NEVER TOLD ME THAT THEY ARE GOING TO ALLOCATE MY PAYMENT FOR THE OTHER PURCHASES I HAD, AND NOT FOR THE COMPUTER! So, all along I was thinking that I paid off my computer and I don't have to worry about it, until today when I saw that interest charge on my account. They should train their employees to explain clearly to the consumer what is going on so we avoid such things that is so frustrating!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-23

Murray, UT

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: Barclay is reporting erroneously and in violation. They are reporting a debt that is owed but it was previously discharged in a Chapter XXXX bankruptcy. I have notified my attorney that they are in violation of the automatic stay. The next correspondence will be from my attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-22

Irving, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: In progress

Timely Response

2019-11-22

Portland, OR

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Company Response: In progress

Timely Response

2019-11-22

Norwich, CT

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-11-22

Barrington, CA

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

Timely Response

2019-11-22

Houston, TX

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

Timely Response

2019-11-22

Bohemia, NY

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I took out a Barclay 's Ring Master Card in XX/XX/2019. I used an invitation which I received in the mail which had a 0 % APR for the first 12 months. I used the card to help my son pay for auto collision repairs which came to {$2600.00}. I also set up {$250.00} monthly payments automatically from my XXXX XXXX XXXX checking account. I enrolled in paperless billing and never looked any further until today. Just went online and checked my account and noticed that I have been charged interest every month since it was opened. There was an issue with the first payment not being on time. I do not remember exactly why but I did call Barclays to discuss the issue which was fixed and they told me it would not effect my promotional rate. Barclays response to my phone call after speaking to two reps was that they never offered a 0 % promotion. They are sending me the agreement when the card was approved. I did check online and found the promotion which is now expired but proof that it was offered. I would never have taken out a card with interest. I would have paid cash in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-22

Scottsdale, AZ

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: To whom it may concern, RE : XXXX XXXX Credit Card from Barclay 's Misplaced my credit card statement and made the payment when I was reminded it was 10 days late. The outstanding balance they calculated the interest of 26.74 % was the average monthly balance of {$5900.00} not the actual balance of {$3500.00}. The payment was also only 10 days late and we were charged {$120.00}, which works out to a real annual charge of {$4600.00} or 130.54 % on an annual basis. This is just criminal!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-22

Carpolis, PA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Overcharged for something you did purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-22

FL

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: My current statement shows four over charges for the laundry machine in my apartment building. I have been over charged more times than I can count. I have complained before and the card issuer has removed the charges. Barclays disconnected me today three times when I called again to dispute these overcharges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response