BARCLAYS BANK DELAWARE

2019-05-14

Bellaire, TX

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Cleveland, OH

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

Timely Response

2019-05-14

Herriman, UT

Incorrect information on your report

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

Information is missing that should be on the report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Shalimar, FL

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: Barclays Card Services XXXX. XXXX XXXX XXXX, DE XXXX Ref Account : VISA credit card XXXX Cardmember Cardmember Address Insert from BARCLAYS Complaint Policy found its official website : Barclays is committed to offering quality products and services. We want to make it simpler for our cardmembers to report instances of dissatisfaction. Barclays uphold principles that aim to : Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. Embed complaints principles and complaint standards across our organization. Ensure that team uses sound judgment, in combination with the standards set by Barclays, to reach suitable, consistent and timely decisions. Inform cardmembers about complaint status and resolution. Make certain that all colleagues are certified on our complaints policy and principles. I called Barclay at XXXX-XXXX-XXXX on Monday XXXX CST. I was on hold for 1 hour and 56 minutes. I discontinued the call. I call Barclay at XXXX-XXXX-XXXX on Tuesday at XXXX XXXX CST. I was on hold for 45mins and finally got to speak with a Dispute Specialist, her name was no given. I requested to dispute a phone purchase transaction of {$190.00} with XXXX XXXX. The Specialist said that her system kicked her out the 3 times she tried to enter the dispute. The system auto closed the application. She then advised that she could not help and discontinued the call. This clearly DOES not support Barclays commitment of Ensure that all customers are treated fairly and ethically, and that issues are addressed promptly. the fact that this application has been configured to discriminate and treat Cardmembers unfair and differently because of the type of transaction is UNFAIR. I as a Cardmember need to be treated equally and fairly. I as Cardmember should be given the same accessibility & service as others Cardmembers are given to submit a dispute. No matter the outcome. That Service should FAIR and open to all Cardmembers, and not have a configured System to treat me unfairly. This is an ethical and the CFPB regulators and Visa have been copied carbon to this letter of this UNFAIR treatment based on the Dodd-Frank Wall Street Reform and Consumer Protection Act. Please response to this correspondence, Cardmember Cc : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Spencer, MA

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: Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card. On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days. I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points as advertised. I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue. I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day. Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint. I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.
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

2019-05-14

Belle Haven, VA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I found the Barclays of Delware on my credit report. This is not mine. It might be my dad 's who has the same name but different middle initial. It lists me as an authorized user, which I am not and never have been. I called them to ask them to take it off my credit report. They pulled me up in their system by my social and said that I did not have any cards with them, they said that they could not help me I had to go through the dispute process and mail in to see if they could find it and take it off. They are unwilling to take it off my credit report even though they tell me that I do not have a card with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-14

Fort Russell, IL

Incorrect information on your report

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

Account information incorrect
Complaint: BARCLAYSBK is reporting incorrect information to XXXX ; XXXX and XXXX a charge-off for partial account number - XXXX. This account as been paid and the correct reporting should reflect a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) This incorrect reporting on my credit report is harming 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

Timely Response

2019-05-13

Omaha, NE

Fees or interest

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

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

Timely Response

2019-05-13

NC

Fees or interest

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

Problem with fees
Complaint: I first reported XXXX XXXX as a fraudulent set of fees totaling over XXXX to Barclay 's American Aviator MasterCard in XX/XX/XXXX. The charges were from XX/XX/XXXX and into XX/XX/XXXX and I believe backdated onto the card. Barclays said it was " a real company '' and denied the request to reimburse the funds to me. However, after filing with your agency, the President 's office was aware of the XXXX XXXX XXXX XXXX XXXX listed on the website XXXX and finally agreed to reimburse the XXXX and it was posted on my account on XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX and when reported 9 months ago, there has been 28 % interest added to these charges Barclays failed to reimburse until your company was involved. In addition, they say " policy '' will not allow that reimbursement to be used toward the TRUE balance that has always been minus XXXX. That policy only supports the credit cards when fraud is proven and NOT the consumer who did not regain interest and does not have the TRUE balance that has always been minus XXXX. I have left 3 messages for a call back that has not happened, waited on hold for a total of over 5 hours in 9 months, returned calls to President 's office where you can not reach the person who was helping you as the recording says, " President 's office not available '', continue to receive robocalls requesting a payment on my card that has XXXX credit on it. That policy is wrong at so many levels.
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

2019-05-13

Euclid, OH

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Complaint: I opened a XXXX XXXX XXXX account and on XX/XX/2019 attempted to transfer {$11000.00} into the account from an external Barclays Dream Account. On XX/XX/2019 Barclays notified me that an item had been returned. I subsequently called XXXX Customer service and was told that the transfer was marked as potentially fraudulent and that XXXX had attempted to contact me but could not get ahold of me to validate the transaction and therefore rejected it. I am unavailable during business hours while at work and had no voicemail or email from XXXX asking me to call to validate the transaction. It is unclear why this call to customer service could not have resolved the fraud concern. Because I had received an email from Barclays indicating the item had been returned, on XX/XX/2019, I attempted a second transfer of {$3000.00}, thinking a smaller amount would not raise fraud concerns. I did not know at this time the funds from the prior transfer attempt had NOT been returned to my Barclays account, and therefore the transfer was rejected due to insufficient funds. On XX/XX/2019 I received an email from Barclays indicating that an item had been returned and an email from XXXX indicating the transfer could not be completed. XXXX automatically tried this transfer again, with the same insufficient funds errors, and as a result of the two failed attempts, suspended my ability to transfer money into the account. I called Barclays customer service on XX/XX/2019 and was told to expect a call after they could research whether the funds were in a Barclays suspense account considering that the " dream '' savings account has a monthly deposit limit of $ XXXX/month, therefore the system may be rejecting the return of the funds. I received a call indicating that the funds were NOT with Barclays and that I should call XXXX to request they investigate the same. I called XXXX Customer service again on XX/XX/XXXX and was on the phone for 1 hour and 6 minutes with no resolution. I spoke with 2 different customer service representatives, the last who told me that the funds were in XXXX 's system and possibly hadn't yet connected with Barclays ' system but could not tell me a date this would be resolved. I called XXXX customer service on XX/XX/XXXX and was told the funds were not with XXXX and to call Barclays. XXXX offered to wait on the line with me while I called Barclays customer service, but eventually told me they could not continue to wait and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-12

Mission Viejo, 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

Timely Response

2019-05-12

WI

Other features, terms, or problems

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

Other problem
Complaint: On XX/XX/19 Barclays Bank sent a letter saying my credit limit was being reduced due to a seriously delinquent account and because of high account balances. I called Barclays Bank on XX/XX/19 and spoke with XXXX and explained that I had a fraudulent account placed on my file, and that account was the only account that was delinquent. My existing balances have been very consistent in the usage rate, and I was never contacted by any lender regarding high balances until I received Barclays ' letter. XXXX said that the only way I could get the available balance increased was to pay a substantial amount on the balances. Even if the proportion of high balance to available credit is a concern, the act of reducing available credit creates an even higher percentage. Thus the " problem '' is compounded so Barclays Bank is creating a more significant " problem '' by their action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-12

Hamburg, MN

Problem when making payments

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

Problem during payment process
Complaint: Dear Barclaycard I received two letters from your company dated XX/XX/XXXX claiming that you never got my payments Those payments was mail Two weeks ago I enclosed a check from my XXXX XXXX checking account Check Numbers XXXX and XXXX I enclosed the account Number XXXX and account # XXXX I'm not sure as to why you saying you haven't got them! Since the account was closed I do not have a way to make payments On Lines could you please check your records and verify that I enclosed the correct account numbers for the accounts also if you could please send me a copy of the full account numbers for both card as I know longer have the cards to verify the account number I'm sorry for any inconvenience this may have caused I will be more than happy to call into your payment line and submit another payment But I know it was mailed 2 weeks ago today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-11

Converse, TX

Getting a credit card

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

Delay in processing application
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-11

Ft Myers, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-11

Charlotte Ama, VI

Fees or interest

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

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

Timely Response

2019-05-10

Salem, OR

Other features, terms, or problems

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

Problem with balance transfer
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

2019-05-10

Blackbird, DE

Closing your account

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

Can't close your account
Complaint: I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX. Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-10

Discovery Bay, CA

Fees or interest

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

Problem with fees
Complaint: A payment I sent into Barclays Bank for my credit card for XXXX was miscoded by XXXX. They took XXXX. This resulted in my checking account being over drafted and fees of {$220.00}.
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

2019-05-10

Boston, MA

Other features, terms, or problems

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

Add-on products and services
Complaint: I was diagnosed with XXXX XXXX XXXX and was told that would need to undergo XXXX. So in anticipation of being out work I notified my creditors to let them know of situation so that I can utilize my XXXX benefit that I knowingly and purposely apply for as a smart consumer especially because I have XXXX XXXX. All companys were ok with applying my benefit except for Barclays after numerous attempts to exercise my benefit that I pay for which I applied for during the application process for the credit cards. They refused to use my benefit and then just this week I received a letter from a collection agency attempting to take me to court to collect the debt that didnt have to happen had the creditor applied he XXXX benefit I was paying for. This is unacceptable and demeaning and by now have increased in charges due to interest and fees that I should not be liable for since I was paying for a benefit to protect me in case of hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-10

Albuquerque, NM

Other features, terms, or problems

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

Other problem
Complaint: Barclays financial has closed my account while I battled an illness and they continue to process payment attempts from my bank account without my permission which has caused me to receive multiple over draft charges from my bank. I do not have automatic payments set up and I have not attempted to make a payment or settle the account yet they continue to process payment attempts. I was told by a local attorney that their actions are illegal and I am wondering if I should obtain legal representation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-09

Port Orange, FL

Fees or interest

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

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

Timely Response

2019-05-09

El Paso, TX

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: I went to XXXX XXXX in XX/XX/XXXX and assist to a metting for timeshare with XXXX XXXX, they made us an offer of XXXX points per year that we could use for Vacations at any place USA or National The Hotels or Resorts for {$8500.00}. When we made the first Payment we where available to see the value of the points. What they have available are for XXXX points per night ( with the original cost of {$75.00} - {$100.00} regular price for public ) in Three Days the XXXX points will be gone, is a fraud we have to make payments of $ XXXX monthly {$1500.00} per year plus like {$600.00} taxes per year total cost per year {$2100.00} my husband and I where thinking in somenthing nice they show us a beutiful Resort in XXXX XXXX. When we try to look for our vacations nothing is true with the only options that we have are worth like {$300.00} and they still charge other fees. They are a scam How is posible that they want us to pay more than {$2000.00} dollars for something that we could pay for {$300.00} or less and only when they have something available. Plus they used our information for a Credit Card they never tell us That we where applying for a credit Card. XXXX/XXXX XXXX check our Credit with OUT our ahutorization for Credit card ( BARCLAYS BANK DELAWARE ) in XX/XX/XXXX. And they Check my CREDIT again in XX/XX/XXXX ( XXXX XXXX XXXX ) I never ahutorized that. I TRY to CALL them the phone that they Have is incomplete the same for the credit Card I have no Idea how to talk to them. Could you Please help me. I freeze my Credit and I change my Accounts numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-08

Deerfield Beach, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
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

2019-05-08

Louisville, KY

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

Timely Response