BARCLAYS BANK DELAWARE

2019-02-15

OR

Problem with additional add-on products or services

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: In XX/XX/2018 I earned a {$25.00} XXXX gift card. Ive been calling and submitted emails even talked to reps. Its been over five months and still not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-15

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: Barclays restricted my business XXXX credit card number XXXX since XX/XX/2018 that I had for few years now. They have asked me to send verification documents which I have sent. Every time I call their security dept, they tell me they are still reviewing and will get back to me. It is almost going to be 6 months and they are violation time frame in getting this resolved. I would like to unrestrict my card so i can continue to use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-15

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

Timely Response

2019-02-15

Great Neck, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I have the XXXX card with the higher {$99.00} annual fee. I used my card on XX/XX/XXXX on a XXXX flight and have not received the 50 % and bonus points for in flight purchases.
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

2019-02-13

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: Dear Sir / Madam Im writing to officially complain about an issue that has been ongoing since XX/XX/XXXX. Please find below a breakdown of events that have occurred over the last year. I have made multiple attempts to try and resolve the issue but have continued to receive incomplete, inaccurate and inconsistent responses from your team. Please document my strong compliant against Barclaycards unfair treatment towards me a longstanding customer that has paid all my bills on time and maintained an excellent credit score. Time line of events : XX/XX/XXXX I made an on-time payment made towards the balance on my account using the online portal. Confirmation of payment receipt was received by email and the account was subsequently closed. I assumed that no further action was needed as all payment were made in full and stopped monitoring the account. Once the account was closed, I had no access to my card statements. Q1 XX/XX/XXXX Noted that emails requesting payment of overdue accounts were being sent to junk email folder. Reviewed emails. Called Barclaycard and attempted to make the payment again. The charges didnt go through. Requested clarification on mechanism to make payment from an international bank account. No direction was provided. Q1 XX/XX/XXXX Called Credit team and requested that all fees and charges be waived as they were unfairly applied. Payment had been processed on time in XX/XX/XXXX and subsequently rejected due to Barclaycards process not supporting an international payment. Barclaycard employee agreed to waive all charges and requested that payment be made by demand draft to cover card purchase charges only. They also confirmed that all fees and charges would be waived and no additional fees or charges would be incurred. Based on information provided by Barclaycard Credit team over the phone I had a demand draft drawn up for {$220.00}. The draft was then insured for the full amount and mailed with international tracking to Barclaycards XXXX XXXX . This was not an easy process and I had to work with a number of providers and pay a substantial additional amount to get the draft drawn up and sent over safely. Please note : Following multiple requests for statements to be sent to me by email, I have finally been given access to some of my statements on XX/XX/XXXX. On review of my statement covering the period XX/XX/XXXX to XX/XX/XXXX, I have now noted that the amount owed once all fees and charges were waived, i.e. the amount that was eligible for interest charge calculations and was also the full amount of card purchases outstanding on the card, was {$220.00}. The demand draft I sent through in Q1 of XX/XX/XXXX has covered this amount in full. Q2 XX/XX/XXXX I was notified by Barclaycard of receipt of this payment by email. I assumed this was the end of the issue. Q3, Q4 XX/XX/XXXX I received additional emails saying my account was overdue again. I made two separate phone calls to Barclaycard to address the issue. After multiple requests to lodge an official complaint, which were ignored, I finally managed to speak with XXXX ( Badge XXXX ) on the credit team and was assured by him that the issue would be resolved and no further action was required. This was after a 54 minute call running through the history of the case ; something I had done multiple times due to the poor conversation logs maintained by Barclaycard. He confirmed that balances would be XXXX out and no further action was required. Resolution of the issue would take 7-10 working days. Again, I assumed this would be the end of the matter. Q1 XX/XX/XXXX On receipt of emails saying my account was overdue and urgent action was required, I called Barclaycard again. I spoke to two individuals and received different numbers for the remaining balance once all fees and charges were waived. None of the numbers provided for the outstanding balance amount ( including an amount of {$29.00} ) appear to make sense based on review of the statements provided. Per my review of statements shared, the card purchase amount that I owed was paid in full by way of demand draft in Q1 XX/XX/XXXX. I have now been asked to send a second demand draft to pay the balance of {$29.00} because the original amount that was provided by the Barclaycard employee I spoke with in Q1 of XX/XX/XXXX was incorrect. I am disputing that the amount originally provided was incorrect following my own review of the statements shared. However, if the amount originally provided was in-fact incorrect, I feel that this is an error on Barclaycards part and not my fault. The company continues to FAIL to take responsibility for their : 1 ) poor handling of the issue, 2 ) lack of information on the mechanism I could use to pay my bill, 3 ) inconsistent and inaccurate information sharing over the phone ( which is all I could rely on as I no longer had access to my statements ), 4 ) failure to update my contact information in spite of me sharing my new details multiple times, and 5 ) constant steam of aggressive communication in spite of me doing my best to resolve the situation. The arduous process of trying to resolve the issue has put a severe strain on my mental health, my wellbeing and has also had an adverse impact on my credit. I would like this issue resolved in a manner that is fair and expedient. I have asked that Barclaycard XXXX the balances, as agreed on my call with them in Q1, Q3 and Q4 XX/XX/XXXX and restore my credit. Requesting your urgent action. I am happy to share any emails referenced in my note. Please let me know if these will be helpful. I assume Barclaycard will also have records of these emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-13

Blairsville, GA

Other features, terms, or problems

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

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

Timely Response

2019-02-13

Dallas, TX

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: " I have an overcharge of {$250.00} on my current balance. I do owe {$480.00} for purchased transactions as of past XXXX statement XXXX. Upon review ... ..here 's the breakdown ; as of XX/XX/XXXX, my purchases amount totaled {$440.00} minus refund from XXXX XXXX of {$94.00} and my payment credited {$150.00} on XX/XX/XXXX. Then, i subtract {$240.00} minus {$440.00} with a remaining due {$190.00}. I submitted another payment was made in amount of {$440.00} on XX/XX/XXXX. Transactions from XXXX and the XXXX XXXX totaled {$930.00} minus that payment of {$440.00}, credits/refunds of {$2.00}, {$11.00}, {$27.00} as of current period ending XX/XX/XXXX. Current balance owing is {$480.00} and NOT {$730.00}. Please reView and adjust my account immediately. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-12

Santa Barbara, 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 monetary relief

Timely Response

2019-02-12

Oakland, 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

2019-02-12

Yuma, AZ

Getting a credit card

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

Card opened as result of identity theft or fraud
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

2019-02-12

Arvada, CO

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I applied for the Barclays Ring Mastercard on XX/XX/XXXX, to utilize the balance transfer feature offered by the card. At the time of application, I requested a balance transfer of {$9000.00}. I received notification via email on XX/XX/XXXX that I was approved for the credit card. I received the credit card on XX/XX/XXXX, and activated the card as well as the online account on the same day. I noticed that the {$9000.00} balance transfer had not been processed, so I requested the balance transfer again - this time through the online account and in the amount of {$10000.00} ( I thought this was the same amount I originally requested, but did not have a record of it after the application was submitted ). On XX/XX/XXXX, both balance transfers ( one for {$9000.00}, and another for {$10000.00} ) were processed, so that the new Barclays Ring account now showed a balance exceeding the credit limit, in the amount of {$19000.00}. The credit limit for this credit card is {$15000.00}. I don't understand how both of the balance transfers were even allowed to process, as they took the balance beyond the credit limit. I immediately called Barclays ( XXXX ) to resolve the issue. The representative I spoke with opened a case number ( XXXX ) and told me this issue would take 8-10 business days to resolve. Those days past, and nothing changed with the account. Also at this point, my credit score took a large negative hit because this new account exceeded the credit limit ( XXXX down to XXXX ). I called Barclays, gave them the case number, and was told that the case is still pending with no further update. I continued to call Barclays back, on an almost weekly basis ( ~7-8 times ), and was given the same update each time. The representatives recorded down which balance transfer to reverse, and indicated the balance transfer fee would be waived when the case was resolved. On one call, I was also told NOT to make any payments until the case was resolved, and all late payment fees would be reversed. Today, XX/XX/XXXX, I called and spoke with a representative ( XXXX? ). She told me the same story and provided the same update. I asked to speak to a manager ( XXXX ). The manager told me that because the balance transfers are over a month old, there was nothing Barclays could do to reverse the balance transfers. He suggested I contact my other credit card company and ask them to send me a check in the amount of one of the balance transfers. And then I cash that check and pay off one of the erroneous balance transfers. It was now my responsibility to fix Barclays error. I asked what had been happening the whole time the case had been open, when it seemed he was able to easily give me this answer when so many others provided non-updates. He apologized and said there was nothing Barclays could do at this point, except remove one of the balance transfer fees and waive the late payment fee that was assessed after XX/XX/XXXX. I just paid the necessary amount on the Barclays Ring account so I am no longer exceeding the credit limit. It sounds as though Barclays will be taking no further action at this point.
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

2019-02-11

Key Biscayne, 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: I have an XXXX credit card from Barclays Bank. Around the second half of XXXX, I found an error in my statement and immediately called XXXX XXXX credit card customer service department and explained my concern about an unauthorized purchase at restaurant. I even spoke to the supervisor, at least the clerk told me about it. My old credit card has been canceled and replaced with a new one. About a week ago ( XX/XX/19 ) someone contacted me from the security department of the bank and told me that I would return {$16.00} for someone's purchase ( unauthorized purchase ). I tried to explain the situation again, even asking the clerk to allow me to talk to his supervisor ( again, as before, a couple of months ago ). The contact person only told me that the manager would call me within 48 hours. However, no one called me back. What is wrong with this bank - once issued a credit, in a couple of months it requires a money back!
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

2019-02-11

Halyoke, MA

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 monetary relief

Timely Response

2019-02-11

Discovery Bay, 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
Complaint: Credit inquires that i do not 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

2019-02-11

Kings Ferry, NY

Fraud or scam

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

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

2019-02-10

Northville, MI

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-10

CT

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: We applied for two separate XXXX Mastercards for XXXX XXXX and XXXX XXXX. The MasterCard promotion was offered through a link from the XXXX XXXX website ( See Attachment A ). The credit card promotion consisted of a {$100.00} Statement credit ( see attachment A ) with an annotation to see the Terms and Conditions to receive the {$100.00} credit ( see Attachment B & C " NEW ACCOUNT OFFER ). XXXX XXXX applied for the card on XX/XX/19 via the XXXX XXXX " Apply Now '' link ( also see Attachment A ) and received it on XX/XX/19. XXXX XXXX applied for the exact MasterCard onXX/XX/19 also using the XXXX XXXX " Apply Now '' link and his account was approved awaiting receipt of card. XXXX upon receiving and activating the card sent an E-mail to Barclays Bank ( the issuer of the card ) confirming the {$100.00} credit for each of our XXXX MasterCard Credit cards as we were preparing to buy tickets for a flight on XXXX. We received two replies from Barclay 's Bank.The first onXX/XX/19 the second onXX/XX/19 informing us that we ( XXXX and XXXX ) were not going to receive the {$100.00} credit as " we did not apply for the XXXX XXXX Master card '' ( See Attachment D & E ). We contacted BARCLAY 'S Bank at XXXX and tried to resolve this issue. We conveyed to the Barclay 's Customer Service Representative that the link from XXXX XXXX for applying for the XXXX card ( promoting the {$100.00} statement credit ) automatically brings you to only one application process that being for the XXXX MasterCard. There was no other MasterCard offered except for the one we applied for and immediately approved for. The representative advised us that there was nothing that he could do reference the {$100.00} credit for each account. We advised the Barclay 's Representative that we would consider filing a complaint with CFPB for the false and misleading MasterCard promotion.The Customer Service Representative indicated that Barclay 's would not credit our accounts for the aforementioned {$100.00} statement credit but we could earn miles if we spent at least {$1000.00} in the next 90 days. We advised him we would not have opened the XXXX Master card account if we didn't believe we were going to get the {$100.00} credit statement Following this conversation we did prematurely cancel XXXX XXXX MasterCard Account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-10

Columbus, OH

Incorrect information on your report

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

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

Timely Response

2019-02-10

Beyersville, TX

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: In XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX for my credit card account, offering me 0 % interest and 0 % transfer fee for any purchase using the promotional checks sent to me in the offer packet. On XX/XX/XXXX, I used a promotional check written for a total of {$6200.00}. Since then, I have contacted XXXX numerous times via their messaging application on my account to ask why I am being charged two interest charges each month on my statement. One entry shows interest on purchases, and the second entry shows interest on cash advances. The cash advance interest is always {$10.00}. The promotion check I used did not specify that it would be categorized as a cash advance. In my XXXX message to XXXX, I explained that I need a comprehensive explanation for the fees, and that I am considering filing a complaint with CFPB. I received a call on Sunday morning, XXXX, from XXXX, saying they had made a mistake in printing the promotional checks and that I would be refunded the {$3.00} transfer fee, but no interest would be refunded to me. I used the promotional check because the offer stated that I would have 0 % interest for 12 months. Since then, I have paid off the balance of both the promotional check and the purchases, but I am unhappy that the promotional check was charged interest as a cash advance when the offer stated the promotional checks would would be interest free for one year. XXXX claims they have corrected their error by refunding to me the {$3.00} transfer fee. I would like all the interest I paid on the promotional check/ '' cash advance '' refunded to me, which totals {$250.00}, or {$10.00} for 24 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-09

Nashville, TN

Incorrect information on your report

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

Account information incorrect
Complaint: I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.
Company Response: Closed with explanation

Timely Response

2019-02-08

VA

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 called first about the same thing on XX/XX/XXXX XXXX to dispute the same transaction and after I provided all the details they asked for I was told and so forced to call again despite i Repeatedly requested to dispute the charge and when my ability was impeded to so i tried again and this is what happened : second attempt refused and here the details of same transaction : On XX/XX/2019 I initiated and made a recorded call to my Barclays Bank to dispute an online or internet transaction of {$60.00} charged to my Barclayss frontier MasterCard credit card. It was close to midnight so the call entered XXXX XXXX when the Barclays representative refused to take my dispute despite I told her I have different forms of proofs and she resisted taking my dispute in selfish manners and suddenly stated she is calling XXXX and the phone hang up on me from the other end. For the second time refusing my dispute!!! Whats wrong with the bank these days? Barclays must be subject to severe punitive sanction for violating my right to dispute a transaction. I was still talking to my bank credit card representative when I heard her saying transferring to XXXX without my consent to that and call ended not from my end their other end. I called third time minutes after the second call to contest Barclayss discrimination against my person to take my dispute or Im XXXX different than other customers and on what?
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

2019-02-08

Sebring, FL

Other features, terms, or problems

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

Other problem
Complaint: In XX/XX/XXXX, I made the purchase of some XXXX to the company XXXX XXXX, this company since day number 1 that made the delivery of the equipment was delivered without the software that would be the main tool of work, after calling and performing in controlled by them cybernetically were those who nailed the software to the computer, without providing any type of CD, Password, or Key product. After a week the product began to fail such as computers, we got in touch with them and several opportunities were told that I wanted to return everything and that I would be reimbursed for my money since the service was bad, deficient and not I had no more than 72 hours and I already had problems with computers, after so much insisting on calls and emails I had to call to my credit card, where I was still in my legal time frame to make any claim, which accepted me to begin a case. The bank of this card was XXXX XXXX Mastercard.Then they started the temporary credits, which were removed from my account again, Then they started asking us for proofs of what happened and I were provided with all the emails that I had with this company and photos, then every time I called they told me that I had to keep waiting, I received a letter from XXXX XXXX Mastercard where I was left to know that XXXX XXXX also responded to the case but they agree to return the money if the computers are returned, after receiving this letter several times I try to communicate with XXXX XXXX to know why they had not sent us the shipping level to return it or at least provide us with an address to know where we would send it, at the same time I communicated to XXXX XXXX Mastercard and asked them what had happened with the software because that I never received the product, not even in key product license by email at least and they told me that they were still disputing that ; I let them know that the XXXX XXXX company did not answer me and they told me that if I wanted to continue with the case I had to send a letter by fax and send it to the address that appeared in the contract and send it to them and that way they could already make the hardware credit,2 times I was let know that I had to write letters to continue with the process, which I did, on XX/XX/XXXX I received a call from the case manager letting me know that they could not continue with the case since Mastercard did not allow them because The deadline had expired and there was not enough evidence to return the money.
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

2019-02-08

W Des Moines, IA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-08

Eagle Rock, CA

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

2019-02-08

Rose Hill, 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: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response