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 41
2019-03-21
Chicago, 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: Barclays issued me a credit card with a {$12000.00} limit. On XX/XX/18, within a few months of receiving the card I was at a bar/ nightclub in XXXX . I authorized and signed for a charge of approximately {$100.00} USD. The merchant refused to provide me with a receipt claiming the printer on the machine was broken. Upon leaving the establishment, I discovered the merchant had charged my card 10 times for {$9700.00}, essentially maxing out the account. Note - they had also attempted to run the same unauthorized charges on my XXXX and XXXX credit cards, all of which were declined by their respective fraud departments.
After spending countless hours on the phone with Barclays and receiving conflicting info with almost every call, it was determined that these charges weren't fraud since I was present at the merchant. Since the first rep I spoke with submitted them as fraud, we had to wait 30 days until that process was complete to resubmit the claims as disputes. For some unknown reason, Barclay 's then submitted dispute claims for only 6 of the 10 charges totaling {$6200.00}. The merchant didn't respond within the 45 day period so the temporary credits became permanent, which was the desired outcome. BUT, when Barclays submitted the final 3 claims ( note 1 claim for {$1.00} was disregarded and written off ) for {$3500.00}, the merchant responded providing receipts with forged signatures and invoices for items that aren't even on their menu. As such, Barclays sided with the merchant on the final 3 claims stating that they provided receipts with my signature, Barclays can't make a determination that they were forged, and I would need to handle outside the bank. The signatures look absolutely nothing like mine, and in fact, don't even look like one another. It looks like 3 completely different signatures.
If you look at all of the evidence, this is one of the most blatant and egregious cases of credit card fraud ( unauthorized use ) and forgery ever. After doing some research on this merchant, I learned that they are notorious for scams and credit card fraud. There are over 50 XXXX reviews all noting similar experiences. They submitted forged receipts, manipulated surveillance footage, and a ridiculous list of items that I had allegedly purchased. Example : 2 entry tickets for approx. {$800.00} each, 17 glasses of champagne for approx {$30.00} each, etc ... Note this doesn't account for the other {$6200.00} that I allegedly spent that night for which they didn't provide receipts.
Ultimately, this merchant took my card, indicated they were running a small amount ( around {$100.00} ), maxed it out with 10 separate charges for close to {$10000.00}, refused to provide a receipt, and submitted fraudulent documentation attempting to prove otherwise. They need to be shut down and flagged by all payment vendors as fraudulent.
My biggest complaint against Barclays at this point is the fact that the bank, a supposed fiscally responsible financial institution, extended me credit and allowed a merchant in a foreign country to max out my card in such and egregious manor without so much as a fraud alert ( alerts WERE activated on my account ) or required second form of authorization. I wouldn't be in this position if Barclays had provided adequate fraud prevention in the first place. I feel this is an epic failure in terms of consumer protection by what I thought to be a reputable financial institution.
I have no recourse other than the merchant dispute and charge-back process. Please help me in recovering these charges.
Thank you in advance for your consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-21
Elkhart, IN
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 monetary relief
2019-03-20
Bronx, NY
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: My credit was pulled from companies I did not authorize.
XXXX Date : XX/XX/XXXX Barclays Bank DE Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-20
Quartzsite, AZ
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
Complaint: I mailed certified letters asking for the method of verification used to report the information on my reports tha I believe is being reported correctly. I stated that I was exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute and if they could not provide it they needed to remove the items. This was now over a month ago.
I want them to be investigated and I want to pursue action against them at this point. I have tried many times to get this wrong information corrected with no success and it affects my life and is costing me money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-19
Coeur D Alene, ID
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 monetary relief
2019-03-19
CA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees.
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address.
They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-19
Fort Worth, TX
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: They double charged me for my ending balance on XX/XX/XXXX and made my bank get overdrawn. They are saying I put in a payment, which I did not. I know my account is on auto pay. Online, the payments were put in XX/XX/XXXX XXXX XXXX {$6000.00} and XX/XX/XXXX XXXX XXXX {$6000.00}. Both of these are withing an hour of each other.
They told me it could be up to 25 days to reverse the charge or they could mail a check in a week. So, they are holding {$12000.00} of my money ( {$6000.00} of which needs to be returned XXXX for at least a month.
Last year ( in XX/XX/XXXX ) TWICE they kept money ( totaling over {$50000.00} ) I paid to the card for at least a week before releasing the balance. They refused to tell me the exact reason why other than the bank hasn't release the money. Eventually I got an email, after I threatened to close my card, stating that they are holding the money in case the bank reversed the money. I spoke to my banker the day after I paid the card and he said the money was already released and sent to XXXX.
Every time I call, the person I'm speaking to is a " manager '' and there is no one else I can speak to. The lady today lied to me when I asked to speak to someone else. In XX/XX/XXXX, when I asked to speak to a supervisor, I received the same response, " there is no one else for you to speak to regarding this issue. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-03-19
Washington, DC
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
Complaint: Dear Sirs, Last year, I planned to take vacation starting from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I decided to purchase online, ahead of time, a multi-city flight ticket ( XXXX XXXX XXXX XXXX XXXX XXXX ), a room at the XXXX XXXX XXXX XXXX and a room at the XXXX XXXX XXXX. The total amount of this online activity should be {$840.00} + % interest. I have already made a payment of {$400.00} so far!
What happen is the credit card company ( Barclay/ XXXX XXXX card ) just sent a {$960.00} statement balance this month which does not reflects the remaining balance of $ XXXX- $ XXXX= {$440.00} that I was expecting! After scrutinizing carefully their bill, I found out that, they added up an imaginary purchase of {$720.00} on XX/XX/XXXX! In addition to this, ( Barclay/XXXX XXXX card ) deliberately did not mail me this statement balance on XXXX and XX/XX/XXXX in order to cumulate their late fees to my bill. All in All, This is pure GREED! I really need your arbitration to solve this issue.
Extra Information I did the same purchase online, on XX/XX/XXXX, with a different credit card ( XXXX XXXX ) ; I purchased another multi-city flight ticket ( XXXX- XXXX-XXXX XXXX ) a room at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card 's statement balance is accurate! It reflects what I spent from XX/XX/XXXX to XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-18
Cockeysville, MD
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 non-monetary relief
2019-03-18
Brooklyn, NY
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
2019-03-18
Yeagertown, PA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I had a credit card with Barclays. The dispute came from fees they assessed against my account. I always pay my bill in full, and they suddenly charged over {$50.00} in interest one month. I discovered later that they did this because they accidentally posted a payment on my account, and they charged me interest for three months from the time they posted the payment until they discovered the error. During these 3 months, I had been paying the full amount on my bill by the due date.
When I discovered Barclays ' error, I made the payment in the amount that they had posted, but I contested the amount of interest because it was not my fault. I received 3 standard responses that " We are unable to complete your request. '' I stopped using my Barclays credit card, started making arrangements to get a new credit card, and I used {$75.00} in " rewards '' to reduce my balance. Then, I received a letter dated XX/XX/XXXX that stated that they had posted {$29.00} in " interest charge-purchases '' on my account on XX/XX/XXXX. The amount was the balance on my account, not the fees/interest that Barclays had charged on my account. Regardless, upon receiving that letter, I wrote a check in amount of {$29.00}, returned my credit card, and asked them to close my account, with the hope that I would no longer deal with Barclays.
Since then, I have continued to received bills from Barclays. Apparently, they are charging a fee over {$20.00} per month on an account that has been closed and paid in full. In XX/XX/XXXX, I sent a letter to explain that they had not properly investigated my dispute, and that I should get a refund instead of bills. I received no response. Instead, I received a new statement in the amount of {$41.00}.
I am writing to complain that Barclays ( 1 ) failed to investigate a dispute as required by the Truth in Lending Act, and ( 2 ) continued to charge fees on a closed account that has been paid in full.
I am attaching my correspondence with Barclays regarding this matter. Thank you for any assistance you could provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-03-18
Far Rockaway, NY
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: i had 4 separate credit card accounts from Barclays bank, and on XX/XX/19 they closed all accounts. i have not been able to get a proper explanation from them other than " history of account usage ''.
furthermore on my arrivals plus card i have XXXX miles and they wont let me redeem it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-17
Reno, NV
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt is not yours
Complaint: Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-17
No Haven, CT
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
2019-03-17
Hicksville, 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
2019-03-16
Sanders, KY
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: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-15
Tarzana, CA
Problem with fraud alerts or security freezes
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Complaint: Barclays reported to the Credit Reporting Agencies that my father was deceased ( he's alive ).
As a result, my father ( whom I have a power of attorney for ) had another credit card close his account causing direct consumer harm.
Barclays has received no information indicating my father passed away, and has directly violated FCRA and UDAAP.
I have called Barclays, and each time their office seems to have limited understanding/knowledge, and has not been able to provide any information. I have been transferred to a voice message. Each phone call is spent confirming PII for customer verification, blind transfers where I am forced to repeat all of the same information.
Barclays requested speaking with my father, and I advised them I am handling his business. Barclays further insisted on speaking with my father, and I advised the point of a POA is so I can handle his business for him. I resent the POA to Barclays twice.
When I called XX/XX/XXXX, I was transferred to Barclays outsourced ( XXXX office ). I advised them that my father is not dead and asked what is being reported to the CRA 's.
I was advised they would investigate and determine in 7-10 days. I asked how I would be advised of the resolution, and I was told I could call back.
Additionally, I advised that a payment was sent in XX/XX/XXXX or XX/XX/XXXX and advised that I have not received any further bills. I asked how I could be provided, and no indication that I should anticipate receiving anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-15
CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: We have a Barclaycard Ring Mastercard with Barclays. To date we have owed three payments, two made electronically through our bank, XXXX XXXX XXXX, and one by phone. Both electronic payments were made on time, but both times Barclays claims not to have received the payment and charged us late fees. In the first instance, Barclays finally acknowledged the payment and reversed the fee. In the second, there has not yet been any resolution. We have contacted both Barclays and XXXX XXXX XXXX.
Note Barclays for some reason does not accept electronic payments from other banks : the sending bank converts the payment to a check, meant to be received by the scheduled day. In both these instances XXXX XXXX XXXX sent the payment, to be received on time, and deducted money from our account on the schedule day ; in both instances Barclays 1 ) cashed the check five days later ( according to XXXX XXXX XXXX ) ; 2 ) did not acknowledge cashing the check even a week afterwards.
Either Barclays back office systems are horrifically bad, or, more likely, this is a systemic practice to generate late fees and trigger higher interest rates based on penalty clauses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-15
West Brandywine, PA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Recently my husband and I attempted to refinance our current mortgage to take advantage of more attractive loan terms. During the mortgage application process, I was shocked to learn that I have a balance of {$50.00} reported as bad debt from Barclaycard, a credit card account that we have kept open for emergencies but used very infrequently and not in many months. As a result of the actions of Barclaycard described in detail below, my FICO credit score has been significantly degraded to [ 630? ] and am no longer eligible for favorable lending terms, in addition to damaging my credit for years to come, causing me and my family significant financial harm.
Barclaycard US has engaged in unfair and deceptive activity regarding their paperless online enrollment and statement delivery, by : ( 1 ) enrolling me in paperless statements without my consent, ( 2 ) failing to deliver a required monthly billing statement or email notification to me, and ( 3 ) failing to alert me that I owed a small balance and allowing it to be written off as bad debt without any notice whatsoever.
When I discovered the adverse credit report on XX/XX/XXXX, I immediately called Barclaycard. My call was escalated up to Tier 3 manager. During this phone call I was told that my account had been a paperless account so no statement reflecting this small balance was ever sent, nor could I access it online. I was also told that the bank had reported this derogatory information to all major credit reporting agencies without any notice to me of the amount owed. Both of these facts were shocking and a complete surprise to me.
It is important to note : 1. I received no statement or email. While delinquent, I received NO account statement by mail or email. Barclaycard claims thats because I was paperless. They also claim they are unable to verify that I did or did not access my online account to retrieve monthly statements ( which I did not ).
2. I did not consent to paperless statements. I prefer to receive all of my bills by mail. Any change to suppress statements was done without my consent and my knowledge. I also did not share my online account password so it is not possible that this election could have been made by anyone other than the bank.
3. No collections or notice. While delinquent I received no collections letters, nor any phone calls advising me of the existence of this small balance owed. Had I known about it, I would have promptly paid it.
I am a mother of 2 and high school teacher on a limited budget, try to instill in my students and my daughters a sense of pride with handling credit appropriately, as my account record will reflect ( up until now, that is ). My FICO score hit as a result of these unfair practices by the bank may not see
m significant to the banking execs at Barclaycard, but I can not imagine the financial harm that it will cause me and my family.
As I have paid the debt when I became aware of it last week, I request that the bank immediately correct my credit score reporting through a customer service account reage, or remove my account from credit reporting altogether. Additionally, there should be an investigation into the manner in which Barclaycard enrolls its customers into paperless statements without consent, and then does nothing to follow-up to verify if statements have actually been received and opened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-15
Colts Neck, NJ
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Hello, I have a credit card with Barclays Bank. It is a XXXX Mastercard. While it was in my name, my ex husband ran up a ton of debt, than stopped paying it. I have been trying to pay it, and they will not allow me to. It is no longer at the collections agency so I can't pay them, nor does the original creditor have the account, so I can't pay them either. They are destroying my credit but will not allow me to fix it. My account is somewhere in limbo, and despite numerous phone calls to both the collection agency and creditor, I was still told that I can't pay this debt. It is unfair to ruin my credit when I am desperately trying to settle the debt owed. My credit has been destroyed, I can't get a mortgage, and despite every attempt on my part to fulfill my financial obligations, I keep hitting a wall. I even offered to pay the balance in full immediately, and they refused. I should not be held liable for this debt as I have no way of settling it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-14
Washington, DC
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-14
Tampa, FL
Struggling to pay your bill
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company won't work with you while you're going through financial hardship
Complaint: On XX/XX/XXXX ( my due date ) at XXXX, I made a payment of {$80.00} on my card. I was still charged a late charge and when I called the credit card company, I was told that their cutoff time for payments received was XXXX and that therefore, I would incur a late fee of {$37.00}. I wrote to the credit card company to have them waive this fee and was told that because they had already waived a late fee back in XX/XX/2018, they would be unable to waive the fee. I told them that the usual cutoff fee is XXXX of the payment due date, not XXXX. I work late hours and am struggling to make payments so I think the least they could do, being that I have been a customer for years, is to waive the late fee as I did make the payment on the due date, but after XXXX. Also, I called them today ( XX/XX/XXXX ) and spoke with both a representative and a manager to try and extend the due date ( courtesy extension ) of 1 more day until tomorrow since I get paid on Fridays and they would not extend the due date at all. All they want are the late fees assessed. This is very unfair practice of them. This is a XXXX XXXX issued by BarclaycardUS.com. On their website, they have the following disclosure : " Pending payments can be modified or cancelled up to XXXX XXXX ET on the scheduled payment date. Same day payments made between XXXX XXXX ET and XXXX XXXX ET can be modified or cancelled up to XXXX XXXX ET that same day. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-03-14
San Diego, CA
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
2019-03-14
FL
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 did not authorize BARCLAYS BANK DELAWARE to review my credit report. I have a extend fraud alert on my credit reports. BARCLAYS BANK DELAWARE did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-14
Norwalk, CA
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