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 31
2019-05-25
TX
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: 1. On XX/XX/XXXX, XXXX XXXX XXXX , XXXX . contacted me ( XXXX XXXX ) in a form of latter attempting to collect a consumer debt in amount of {$2700.00}.
2. On XX/XX/XXXX I requested validation of alleged debt.
3. On XX/XX/XXXX. XXXX XXXX XXXX , XXXX . responded to my request with inadequate evidence to validate alleged claim. Plaintiff failed to produce as requested : a. ) contract agreement or promissory note bearing defendants signature on it.
b. ) provide copy of assignment to XXXX XXXX XXXX. XXXX right to collect alleged debt.
c. ) state whether alleged account is assigned to XXXX XXXX XXXX. XXXX. or its been purchased from the original creditor.
d. ) provide the reasons why XXXX XXXX XXXX. XXXX. could not produce as requested information.
4. On XX/XX/XXXX I received Citation ( Debt Claim Case ) CASE NO. XXXX 5. On XX/XX/XXXX, I called original creditor Barclays Bank Delaware. Call was answered by Barclays Bank Delaware Relationships Manager who named himself as XXXX. I stated the fact that I have been contacted by multiple collector and I need to validate who has been assigned to collect debt. Since, I received Citation from XXXX XXXX XXXX XXXX, I specifically point out XXXX XXXX XXXX. XXXX. as assignee to collect debt and one who represent Barclay Bank Delaware in this case. Relationship Manager stated that he does not see any reference to the XXXX XXXX XXXX. XXXX.. Relationship Manager stated that he does not have any other information on account balance or any other details on alleged account as account was transferred/sold off to third party collector but he did not have any reference to XXXX XXXX XXXX and they do not know who XXXX XXXX XXXX is. In fact, account manage stated that I should be aware of collectors who fraudulently trying to collect debt.
6. The same day, on XX/XX/XXXX, at XXXX XXXX I call XXXX XXXX XXXX XXXXXXXX and call was answered by one of the representatives. I told her the facts about Barclays Bank Delaware does not know anything about being represented by XXXX XXXX XXXX XXXX for alleged debt, representatives was a bit surprised but could not confirm so she offered to me to be transferred to another representative named XXXX XXXX. After waiting for few minutes, XXXX got on call and I stated facts again what Barclay Bank Delaware Relationship Manager told me as he did not see any reference or any information on legal representation or collection efforts or assignment to XXXX XXXX XXXX XXXX. During discussion, XXXX dismissed such statement but could not provide evidence or confirm representation of XXXX XXXX XXXX XXXX for alleged client Plaintiff Barclay Bank Delaware with tangible evidence. At that point XXXX suggested that she will go back and contact her client and get back to me. I explicitly give her permission to call me directly on my mobile as well as to leave message if Im not available. She asked me to record phone number from which they will be calling me XXXX so I know who is calling.
7. As of Friday, XX/XX/XXXX I have not hear back from the XXXX XXXX or anybody from XXXX XXXX XXXX XXXXXXXX.
8. Since I have not heard back from XXXX XXXX XXXX or XXXX XXXX, I reach out again to Barclay Bank Delaware again. Second call was placed XX/XX/XXXX. Again, talk to account manager and she told me account is sold to third party collector, they could not take any payment and they are not aware of any Law firm representing them in this case. This time I requested statement in writing stating that account has been transferred/sold off and who is new account owner. Account Manager stated that she have requested letter and it will take 7-10 business days to receive it. As of Friday, XX/XX/XXXX I have not received any statement. Please note, this time our discussion is been recorded and audio evidence available upon request.
As of today Friday, XX/XX/XXXX, Barclays Bank Delaware did not sent/produce written document of account status and ownership, yet refusing to accept payment for account in debt.
Based on information provided by Account Manager, Im not able to make or arrange any payment regardless of outcome of the case without establish ownership of the account. In order to make payment, I need to find out who is actual owner of the account. This is reasonable request in order to determine actual owner and whom payment will be sent.
Im without information or knowledge sufficient to form an opinion as to the truth or accuracy of XXXX XXXX XXXX XXXX I have serious reservation about XXXX XXXX XXXX XXXX posing as representation of the Plaintiff when in fact Barclay Bank Delaware have no records for such representation. If adequate evidence for legal representation and/or collection assignment to XXXX XXXX XXXX XXXX to collect debt for Barclay Bank Delaware is not produced this case is nothing but fraud.
Original Credit Barclay Bank Delaware is Plaintiff in Case yet its unwilling to accept payment for the debt. This suggest that account is owned by third part, however third party does not want to be named or identify within legal proceedings. This is wrong and has great implication on consumer post judgment whatever outcome is.
Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-24
Scottsdale, AZ
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 explanation
2019-05-24
Billerica, MA
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 emailed the company ( DailyOm ) 2x to ask them to issue a credit for a class I paid for and didn't wish to take. I sent the first email minutes after signing up for it after I read the outline and decided it wasn't for me. The class is only {$15.00}, but I've read a number of other complaints on line with the same issue, so I'm seeing a pattern. And they never even responded to my emails. I then contacted Barclays, the credit company I used. I called 2x and waited both times 40 mins and nobody ever came on. I tried a third time and after 10 mins I couldn't take it any more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-24
MI
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Applied and was approved for an XXXX XXXX XXXX credit card. The APR is based upon your credit score. My current credit score is XXXX.
XXXX XXXX sent me the card with my credit score listed at XXXX and assigned an APR of 27.24 %. This is a total scam.
I have cancelled the card, but I hope you investigate this terrible company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
E Massapequa, NY
Getting the loan
Payday loan, title loan, or personal loan: Installment loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
RI
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: This complaint arises from a request to place a charge on my credit card issued by the respondent bank into dispute for failure by the merchant to issue a refund credit for the charge after I reported the charge was unauthorized and no product had been accepted by mail. The dispute was made to the respondent bank on XX/XX/2018, at which time I provided all requested information through a very time-intensive interview. Upon completion, I was informed not to worry, they would investigate and resolve the disputed charge ( lies ) which could take up to 90 days. Consequently, the charge would be computed into my statement balance and become due prior to any credit irrespective of the fact that I had formally disputed the charge and investigation is still pending. Banking regulations require that when a consumer disputes a charge on their credit card, the charge be removed or provisionally credited pending investigation, at which time such credit could be made permanent or reversed depending on the findings of the banks 's investigation. Upon raising this issue, I was escalated to a supervisor who confirmed for me that the original representative was inaccurate, and a provisional credit would be issued to my account within 3 business days. I was alarmed that not only had no credit been issued, but the dispute had been closed entirely. I contacted the bank by phone to inquire, and following a lengthy hold was advised that because the bank could not reach me by letter sent on XX/XX/2018 to request additional information the dispute was dismissed. I am perturbed that the bank would dismiss a dispute to a charge after one failed attempt to reach the customer, without providing any notice or reasonable period of time to contact the bank to provide further information. I am further annoyed that after going through such a time-intensive process once, I was required to initiate any further action to avoid being billed for a charge I had already notified the bank was in dispute and why. Moreover, I was required to resubmit to the same lengthy interview I had already given several times on varies dates after to reopen the dispute rather than just supplement my answer with the " further information '' requested giving rise to the improper dismissal to begin with! Even more outrageous, this is because there was no " further information '' actually being requested ; everything I was asked to provide to resolve that had been in my written letter statement! However, these collateral issues are not the primary focus of this CFPB complaint. After going through all this to get the dispute opened for a second time, the representative -- contrary to the agreement of the supervisor the first time this dispute was made -- repeated the policy that refused me a chargeback or even a provisional credit until investigation was completed, which could take up to 90 days. The charge is still computed into my statement balance and will likely be due prior to any credit irrespective of the fact that I had formally disputed the charge and that investigation is still pending. The person I was transferred to upon escalating this refused to do anything except take down an informal request for someone to call me back another day at an undetermined time. I believe the bank 's policy is non-compliant with the law and with industry norms, as well as purposefully designed to be as cumbersome, inflexible, and requiring constant monitoring follow-up action by the customer before the bank makes any effort to enforce its purchase protections to which the customer is contractually entitled on the logic that most people will opt to assume any losses themselves rather than claim for purchase protection and fraud protection where the bank risks taking the loss. This site alone has over a thousand similiar complaints against this unethical bank 's practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-23
CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Complaint: I applied and was approved for a Barclays Aviator Business credit card on XX/XX/2019. The account was approved and I received and activated the card. The card was locked due to business verification purposes upon receiving the card, and I have not been able to use the card. I called Barclays 's Fraud Department, who requested business verification documents for the card. I would have no issue with this if this business verification was performed before the account was approved. However, the account has been approved, the annual fee has been charged, and the promotional sign up bonus time period ( spending a certain amount within the first 3 months of account opening ) has begun, all while I am unable to use my card. Over a week ago, I faxed in an IRS form for my business to verify my business. However, it is now XX/XX/2019 and the Fraud Department has stated that the document is still being reviewed and they have no idea when the review process will be completed.
My issue is that this business verification process should have been completed prior to approving my application for a credit card. Instead, it is being requested after Barclays approved the account and are charging the annual fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
IL
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: Two fraudulent charges were made to my account on XX/XX/XXXX by a company I did not recognize ( XXXX XXXX XXXX [ XXXX ] ) for a total of {$1300.00}. I immediately reported the fraud. Later I received the fraudulently ordered merchandise to my house ( billing address for the Credit Card ) and contacted the merchant. The merchandise was returned to XXXX on XX/XX/XXXX ( UPS tracking ). I have spoken multiple times to both the Credit Card Company ( Barclays ) and the Merchant ( XXXX ) and each is saying the other is responsible for refunding my money.
Attached are the letter I sent to the Credit Card company, with a summary of time lines, proof of merchandise return, and the email conversations I have had with the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-23
AL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: I opened up a credit card and it was 12 or more months no interest. My credit limit was {$8800.00}. I received my bill and the company allowed someone else to more than double the limit. I had not problem paying the {$8800.00} limit! But they not only wanted all the money I was paying & the majority of the money was going to the interest so I felt I would be paying this account for the rest of my life! I sent a letter to the president and she refused to try and work something out! Is there anyway I can sue them? I am now have XXXX and do stressed out! Barclay card really did me wrong & I dont want that to happen to anybody else Please help me I borrowed money to get it down so I could pay it off but now I am still paying on the other loan & I am struggling
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
NY
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I had to check that one option because my complaint was not listed. On XX/XX/2019 I applied for a credit card with Barclays Bank. I agreed to pull my credit report but they pulled it twice on the same day which put 2 inquiries on my XXXX credit report instead of 1. I tried contacting Barclays and was told I need to contact the credit reporting agencies. I tried to explain to XXXX and was told I need to contact Barclays. I am submitting this complaint because having an extra inquiry on my credit report affects my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
Rncho Domingz, CA
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: This is my letter to XXXX executive office : My wallet was stolen on XX/XX/2019 in XXXX resulting in a charge of {$14000.00}. The perpetrator had a copy of my other ID as well as my credit card when he made this charge. Initially, the first claim investigator I spoke with told me that I would not be billed for this charge as long as I sent in my ID. I did so immediately, due to your system a error was made. They claim that the fax of my ID came in black and they could not see it, no one called me to tell me this at this point I was already on hour 4 of trying to speak with someone to help me. I finally got a hold of someone and sent them in by mail and fax again a copy of my other ID. At this point it was to late and they re-billed me, even though I have proof from XXXX that the original fax I sent was completely valid. I was mislead numerous times. I think its pretty unbelievable that there is no way to upload this documents online.
As a business owner, I know this not to be substantial proof that the charge is valid. I have had made claims made against my business by customers that simply did not want to pay for their charges - where Ive even had video proof and video authorizations from the client themselves - and that still wasnt enough for my merchant processor to win the claim in my favor.
I beg you to review this claim and turn over the decision as I also have evidence of where I was when this charge was being made. Ive spent over 6 hours on the phone at this point.
The charge : XXXX XXXX XX/XX/2019 {$14000.00} XXXX Points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
Brooklyn, NY
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: My name is XXXX XXXX and I was in a XXXX flight XXXX on XX/XX/2019.
I feel that prior to the flight, i was subject to the fraudulent scam perpetrated on my by XXXX reservation agent. I was trying to change my seat assignment on Friday, XX/XX/XXXX, since i was traveling with my husband and our young grand daughter, i wanted to seat in the middle of the plane. I XXXX XXXX and found the phone number in the XXXX. I spoke to someone who identified themselves as XXXX reservation specialist and was told that there was a promotion and i could move my seats, but there was some glitch in the system and i had to quickly go to the closest store and buy prepaid XXXX cards in the amount of the full ticket price, the invoice with XXXX logo was forwarded to my email address, please see attached. When i questioned this request, i was told that my current reservation was cancelled and if i still wanted to travel, prepaid cards in the amount of {$1800.00}, was the only way to retain my reservation. I felt that i had no choice but to buy the prepaid cards to accommodate the XXXX agent request. Since i called XXXX myself, I had no suspicions that i was not dealing with XXXX reservations representative. I was also sent an invoice by email as well with the XXXX logo.
After the call ended, I was told that i became a victim of fraudulent scheme, and XXXX reservations whose number i saw in the XXXX search, was not a real XXXX number, my real reservation was not affected, but i was swindled out of {$1.00}, XXXX which i paid by my credit card. I am very upset and outraged that XXXX does not monitor the fake XXXX numbers that appear in XXXX searches. I feel that its your responsibility to protect your customers and the validity of your XXXX searches. Im retires and on fixed income, this fake XXXX bill presents a huge hardship for me and i feel that XXXX should be responsible and held liable for the fact that you don '' t protect your XXXX searches. I am attaching all the relevant information for you and hope that you will be able to assist in this matter.
I contacted my credit card it's Barclays bank account ending with XXXX and told them that I was a victim of a scam and the credit card does not do investigation for scam and keeps charging me the amount.I was contacted to what I thought was XXXX XXXX and it was a scammer who took away my money and I only realized after a few transactions.
Please help me to investigate this transactions and reimburse for the money I myself did not use.
I reported this issue to FTC and XXXX as well Best regards, XXXX XXXX XXXX Here is the phone numbers XXXX XXXX XXXX XXXX XXXX Here is the invoice with the XXXX logo which I received by mail.
XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-23
Glendale, CA
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 ordered a {$13000.00} item online and received an empty box. The credit card company is denying my dispute, claiming it was done on a 3rd party processor. My credit card company is Barclays, gold luxurycard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-22
Alburtis, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-22
Alisal, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-22
Murray, UT
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: Barclay failed to wait for the police report to be finalized since multiple credit cards were fraudulently used. They closed my accounts are trying to make me responsible for fraudulent debts that I don't owe.
They can relieve a copy of the police reports to remove the debts in my name.
XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX XXXX-REPORT NUMBER : XXXX-XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-05-22
Tustin, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-22
Discovery Bay, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Please update the status of account to paid in full. payment in full was received by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9400.00}. This information must be shared with XXXX, XXXX, and XXXX.
Background.
On XX/XX/XXXX Barclays Bank Delaware charged off account number ( 'The account ' ) with a balance of {$9400.00}.
The account was subsequently sold to XXXX XXXX XXXX ( 'XXXX ' ). XXXX contacted me, XXXX XXXX ( 'The account holder ' ).
The charge off was reported on the account holders credit reports - with trade lines from barclays bank stating a charge off, and XXXX stating an open collection account.
On XX/XX/XXXX XXXX received payment in full from the account holder via electronic payment, the amount was {$9400.00}. XXXX confirmed receipt on the phone ( XX/XX/XXXX ) and assured the account holder that Barclays Bank Delaware would be informed. On XX/XX/XXXX XXXX issued a letter to the account holder confirming receipt of payment and a XXXX balance for the account holder.
Starting on XX/XX/XXXX the account holder has called Barclays Bank Delaware several times to request that the account holders credit report be updated to reflect the paid status of the charge off.
During the months of XXXX and XXXX the account holder filed a dispute with XXXX regarding the status of the account. XXXX contacted Barclays Bank Delaware and confirmed that the even though the customer disagrees with the account status Barclays Bank of Delaware reaffirms its unpaid status.
On XX/XX/XXXX Barclays Bank Delaware received the request to update the account holders credit report to Paid in Full via certified mail the request contained the Paid in Full letter from XXXX including the account number and all relevant information.
The following week ( week of XX/XX/XXXX ) the account holder called Barclays Bank Delaware and was told by Barclays Bank Delaware that the documentation was not received.
On XX/XX/XXXX the account holder contacted XXXX Bank Delaware via phone and was connected with the XXXX department. A representative from the XXXX XXXX stated that documentation had not been received and it should be faxed to the XXXX group at XXXX. The representative also stated that the process to complete this request would take 2 business days.
Later that same day on XX/XX/XXXX the account holder faxed the proof of payment of the full account balance, documentation which was sent to him by XXXX, receipts of the certified mail previously sent and attachments, and a request to amend the account holders account status to Paid in Full with the credit reporting Bureaus.
On XX/XX/XXXX Barclays Bank confirmed receipt of the documentation via telephone.
On XX/XX/XXXX the account holder called Barclays Bank Delaware and was told that 1. His request is being reviewed 2. That his request had been sent to the FCRAthe FCRA is not an actual organization it is an Act of the United States Congress.
Fed up with the lack of progress the account holder has decided to file a formal complaint with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-21
Metairie, LA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-21
Jefferson City, MO
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-21
FL
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I had a financial change and have tried on multiple occasions to set up payment plan options with XXXX XXXX XXXX credit card to keep from having to file bankruptcy or work with a credit counseling service. They refuse to work with me to be able to payoff balance. Also, they did not have the automatic payment options I had tried to set up on multiple occasions which has cause a ridiculous amount of fees. I had excellent credit leading up to this last year and a half due to our financial change and they have done nothing but make our ability to try to handle it impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-21
N Little Rock, AR
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-21
MA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: My husband and I have a rewards travel card with XXXX miles that we planned to use to buy airline tickets for a trip to XXXX this summer.
On XX/XX/19 we purchased two XXXX XXXX airline tickets for a total cost of {$1300.00}. On that same day, we cancelled the purchase due to problems with my husbands vacation schedule. We received a full credit of {$1300.00} from XXXX XXXX. Both transactions posted to our account on XX/XX/19.
On XX/XX/19, I went online to our account and noticed our card balance was higher than usual. I knew my husband re-booked the airline tickets, so I went to the Travel Statement Credits section of our account where all our qualifying travel-related purchases eligible for redemption are posted. I first read the paragraph there that states, Please note, only qualifying travel purchases made in the last 120 days will display I then saw the XXXX XXXX purchase posted and went ahead and redeemed our miles for what I thought were our airline tickets.
What I did not know at the time was that the purchase I had just redeemed was actually the voided purchase we had received full credit for twelve days earlier. Consequently, I had redeemed my miles on an invalid purchase. I did not understand how this could happen, but I trusted there would be no problem in getting our miles back after explaining the circumstances.
On XX/XX/19 my husband emailed Customer Service explaining the circumstances and requested our miles be reimbursed. Since we have had this rewards card for many years and have had all positive experiences with the company, we were assured that due to the circumstances the company would be fair and reimburse our miles.
On XX/XX/19 Customer Service responded back in an email that stunned us. The answer read as follows : We would like to explain that all redemptions are final. Return credits came in separate amounts which is why transactions of {$1300.00} was still showing as redeemable. As you have mentioned that your wife processed a redemption manually whether which is not a bank error. Statement credit is on the account and will not be reversed.
I would like to address these explanations. We understand completely that all redemptions are final and under typical circumstances would fully comply. Nonetheless, because I believed the company statement regarding travel redemption credits to be trustworthy, I redeemed miles on a voided purchase and I believe under these circumstances a redemption should not be considered valid.
Regarding the return credits came in separate amounts This doesnt excuse the fact that necessary adjustments were not made in our travel miles redemption.
Finally, I do not understand what processing the redemption manually means. I redeemed miles online instead of by phone.
On XX/XX/19 after receiving this email, my husband sent a follow-up email expressing our disappointment and dissatisfaction with the decision.
On XX/XX/19, I called Customer Service and was told we had to speak with a manager who would be able to resolve our issue and even reverse the decision we got from Customer Service.
Finally on XX/XX/19, I spoke with a manager who was pleasant but offered no acceptable explanation for not reimbursing our miles. We went over all of the facts. Most of what the manager said was ambiguous. He told me if it were a matter of only a couple hundred miles, he could do it. When I asked him why it couldnt be done in my case, he said the system isnt set up for it. Throughout the conversation, I felt he wasnt being completely forthcoming and in the end, I got an apology.
We ask that this matter be reassessed in fairness on our behalf and would appreciate a different and more favorable outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-05-20
West Brandywine, PA
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
2019-05-20
San Diego, CA
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