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 47
2019-02-08
Spokane, WA
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 been a member of Barclay 's XXXX credit card for at least ten or twelve years. I am fairly sure that some money was siphoned off about 10 years ago. Rather than fight with them over it, as I believe they went through an acquisition, I kept using the card to build up the 529 college savings account. I wanted to at least give my granddaughter SOMETHING for books, at the very least! ( No thanks to this XXXX scam of a credit card company ) I have gone online, called numerous times and done everything I can to get my XXXX reward money earned put into my checking account, and get an email informing me of that transfer! Please look into this company. I think you will see that they are uncooperative at best and thieving reprobates, at worst.
Also, can you make them CALL ME, and get this straightened out? It seems they 'ca n't understand me ' when I call!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-08
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with cash advances
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-08
Leon Valley, TX
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 explanation
2019-02-07
Laurel, MD
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
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
2019-02-07
Tarzana, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: BarclayCard credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau XXXX. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-02-07
MO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On XX/XX/2019, I went online to my credit card issuer 's website to verify that I had received a refund to my card from an outside vendor and upon examining my account details, I discovered that my credit limit had been REDUCED by {$2600.00} without any notice to me. As such, I called the credit issuer 's customer service department and spoke with a Representative who indicated that my limit was decreased due to their review of my credit report that indicated I had too many open credit cards and when I asked the Representative why they had pulled my credit WITHOUT my permission, he indicated that it was something they did from time to time and that a letter explaining their decision was mailed to be on or about XX/XX/2019. In addition, I asked the Representative why the decision was made to reduce my balance so significantly when I have NEVER missed a payment with their bank in the 2 - 3 years I have had their card nor have I ever missed a payment with any of the open credit cards that they felt I had too many of and he advised that due to the information on my credit report that this was the decision they felt was best and he offered no resolution dispute assistance. I advised the Representative that I completely disagreed with their decision for numerous reasons specifically, the fact that by reducing my credit to the amount of {$1800.00} this puts my credit utilization for this creditor at 90 % when prior to the credit limit decrease it was 38 %. As a result, this has had a negative effect on my credit score despite the fact that I have NEVER been in default with any of my creditors whom are all current and have been for several years so I'm not understanding their decision.
Signed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Creditor : XXXX website : XXXX ph : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-06
Grafton, VA
Improper use of your report
Checking or savings account: Other banking product or service
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
2019-02-06
Ladies Island, SC
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-06
Fort Myers, FL
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 explanation
2019-02-06
Sandy Hook, CT
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
2019-02-06
Little Rock, AR
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
2019-02-06
Vallejo, 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
2019-02-06
Chandler Hts, 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 explanation
2019-02-06
Spencer, OK
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 explanation
2019-02-06
San Diego, CA
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 ate at a restaurant on XX/XX/2018. The original bill was {$29.00} and I added a {$3.00} tip for a total of {$32.00}. The restaurant modified my receipt and changed the tip amount to {$8.00} for a new total of {$37.00}. I disputed the new charge on the basis of fraud and the bank initially refunded my account. The restaurant provided a copy of the receipt and the bank subsequently reversed the credit and charged me the full amount. The receipt provided by the merchant clearly shows the intended total I wanted to pay was {$32.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-02-06
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: On XX/XX/XXXX, I received a call from Barclays Fraud Unit regarding some fraudulent charges they had observed on my account. After speaking with the man on the phone, I alerted him that the charges made were indeed fraudulent and needed to be investigated. These charges did not fit my spending profile, as I use this car primarily for rewards points while eating out and for streaming services. On the website, they advertise " {$0.00} Fraud Liability Protection '' as a benefit, so I thought I was secure and we would work the case out.
A couple weeks later I spoke to someone from the bank fraud unit and told them what I had experienced. He suggested I file a police report, which I did ( attached ). Since I know I did not authorize these charges, I thought they would eventually be cleared and I would deal with the police when they were available.
On XX/XX/XXXX, I received a letter indicated that the charges were valid. I was shocked by this and decided to follow up with the bank fraud unit. They indicated that since the card was in my possession, the charges had to be valid since it was a pin transaction. There is plenty of literature out there ( I happen to work for a competing bank ) that has shown that there is equipment out there to copy the PIN ( see below link ) : XXXX : XXXX/ After speaking with the bank fraud unit, I was told that there was no investigation completed since XX/XX/XXXX when I reported the fraud originally. No camera footage was looked at from the stores where the fraud happened ( I will provide below ). Because I said I had the card in my possession when the fraud occurred, the charges were automatically valid.
I find this ludicrous for a company that touts a " {$0.00} unauthorized fraud guarantee '' that such little research was done on this, and they would not honor the benefits they advertise. I feel as if Barclays is not living up to the standard in which they should when it comes to investigating the incident and is not honoring the terms in the cardholder agreement. None of these transactions match my user footprint as well. I was not even around the area where these charges were made, and I have someone to corroborate that claim.
Here are the unauthorized charges : XX/XX/XXXX XXXX {$120.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$61.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$220.00} store # XXXX zip XXXX XXXX XX/XX/XXXX XXXX {$93.00} store # XXXX zip XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
Oakland, CA
Trouble using your card
Credit card or prepaid card: General-purpose credit card or charge card
Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
Barstow, CA
Getting a loan or lease
Vehicle loan or lease: Loan
Problem with additional add-on products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
Bakersfield, 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: INTRODUCTION OF CASE : XXXX XXXX and XXXX XXXX XXXX were XXXXXXXX XXXX XXXXXXXX customers, and had automatic payments setup on a XXXX Rewards card ending in XXXX. On or about the third week of XX/XX/XXXX XXXX XXXX called Barclays Card and advised them that as of XX/XX/XXXX, XXXX XXXX and XXXX were parting ways, and " not to accept anymore charges on card ending XXXX. On XX/XX/XXXX Barclay accepted a charge of {$1200.00}, against the principle card holder 's instructions. XXXX XXXX has called Barclay multiple times advising them that Barclays employees had committed and error in accepting the charge and that XXXX XXXX had taken all legal steps by instructing Barclay to refuse any and all charges to the credit card ending in XXXX from XXXX XXXX XXXX, as there was a posted flag on said account that reflected those instructions.
XXXX XXXX was informed by Barclay employees that only the merchant could cancel automatic payments/charges and that it was in the terms and conditions of the contract between XXXX XXXX and Barclay, at this time XXXX XXXX immediately asked for a copy of the contract, on or about XX/XX/XXXX the copy of said contract was received by XXXX XXXX, and found out that Barclay employees were in fact willfully, and knowingly lying and committed a willful and knowing act of Fraud pursuant to California Penal Code Section 484.
XXXX XXXX has advised Barclay employee 's to cease and desist any further communications as to this matter, as the clear and willful mistake was wholly due to a Barclay employee 's mistake, and that XXXX XXXX owed nothing. Barclay has continued to harass XXXX XXXX and XXXX XXXX XXXX by continuing to contact, XXXX XXXX and XXXX XXXX XXXX by emails, letters etc. In willful and knowing violation of California Penal Code Section 646.9.
Lastly Barclays is a knowing and willing partner with XXXXXXXX XXXX XXXX in violating all the above, and now wants XXXX XXXX to provide the letter sent to XXXX ending the contract between those parties, XXXX XXXX has advised Barclay 's employees that the letter is a legal letter between said parties and none of Barclay 's business. thus Barclays is willfully and knowingly trying to unlawfully enforce a contract between the two parties in knowing and willful violation of the Consumer Financial Protection Act of 2010. Further these combined acts between partners XXXXXXXX XXXX XXXX and Barclays is nothing more than two partners unlawfully attempting to extort money from old US Citizens, ( 65+ ). Shameful and corrupt acts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-02-05
Christiana, DE
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Problem getting a working replacement card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-02-05
San Gabriel, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Privacy issues
Complaint: Access to account by third parties without use of confirmation sent via cell phone in their possession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
San Gabriel, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Payment activity does not consistently appear and the amounts are not reflected in the balance due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
WI
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 got a flyer in the mail for a credit card from a company we have never heard of, named XXXX. There was an offer for a balance transfer at 0 % APR for the first 21 billing cycles following each balance transfer. As well as 0 % APR for purchases for the first 21 billing cycles following the opening of the card.
When we called to open the account, we wanted to wait until we got more information in the mail with the card, to look into it and make sure it was a valid credit card before we gave out our checking information for a balance transfer, but we very much opened the card to take advantage of the 0 % APR for 21 billing cycles for balance transfers.
Fast forward to today, XX/XX/XXXX, we get the card in the mail and call to do the balance transfer. Come to find out, we apparently opened the account on XX/XX/XXXX, and are no longer able to get the 0 % APR balance transfer and there is no 0 % APR on purchases. We would not have gotten this card if it were not for the offer, and then upon calling the company, they say there is nothing they can do. We are literally on day 47, and feel that obviously being as we just got the card ( or any information past the little flyer in the mail ) in the mail in the first place today, it was obviously not even a valid offer to offer us the balance transfer, because we could not even take advantage of the offer. Also, the company is stating that there is no 0 % APR for purchases at all. We feel that this company is either really not a valid company or something is wrong with their business practices. We would like the account removed from our credit history and want nothing to do with this strange company that seems fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-04
Waverly, TN
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I applied for and received a Barclays Bank issued XXXX Mastercard on XX/XX/XXXX. Upon approval, I was immediately handed a Credit Card Cardmember Account Summary Initial Disclosure with my name, address, Authorized Initial Purchase Amount and Interest Rate clearly defined as 16.99 % with a 0 % on XXXX purchases for the 1st 6 billing cycles. After that APR would be 16.99 % and would vary with the market based on Prime Rate. This agreement was printed off the Barclaycardus.com/apply/Application.action with time stamp of XXXX XXXX. When the agreement with full Terms and Conditions arrived with my XXXX Mastercard, APR was 6 % higher then the interest rate on the Initial Disclosure and now my 1st monthly statement has interest rate listed at 22.24 %. I have written and faxed all paperwork to Barclays requesting an explanation on the change in interest rate as well as requesting APR returned to the original 16.99 % as stated in Initial Disclosure. On XX/XX/XXXX, Barlcays responded with a letter stating they were currently unable to complete my request. No explanation as to why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-04
Kingstree, SC
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: According to FCRA 609 ( a ) ( 1 ) ( A ), Financial Institutions are required by Federal Law to Verify - through the physical verification of the original signed consumer contract ( with my signature on it ) any and all accounts you report on a credit report.
Under the FCRA 609 ( a ) ( 1 ) ( A ) unverifiable accounts must be removed within 30 days of the request.
Ive requested a copy of the original consumer contract between Barclays Bank and me. My initial request was XX/XX/XXXX. In response to that request I received a stack of statements instead of the consumer contract I requested. My next request was XX/XX/XXXX. Once again I received a stack of statements. My final request was on XX/XX/XXXX. I received a letter indicating they were unable to complete my request.
After several phone calls and written request, according to FCRA 609 ( a ) ( 1 ) ( A ), Barclays Bank Is required by Federal Law to remove their debt from my Credit Report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation