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 49
2019-01-24
Foothill Ranch, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I signed up for the XXXX XXXX XXXX Mastercard offered by Barclay Bank on XX/XX/XXXX. This card comes up with an annual fee of {$89.00} for each year of membership, which I paid during the first month when I signed up. When my one year came around, I decided that I no longer want to keep the card open and on XX/XX/XXXX, contacted Barclay requesting to close my account. At this time, they had charged the annual fee of {$89.00} ( for the upcoming year ). I was told by the customer service representative that since I am cancelling and not renewing my membership, the fee would be reversed and the balance XXXX out. This was not done and I was charged a late fee of {$19.00} on XX/XX/XXXX. I called and spoke to another representative named XXXX, ID # XXXX, on XX/XX/XXXX regarding this matter. He stated that the last representative did not do what she told me she would. He apologized and stated that he would make sure the annual fee and the late fees would be reversed. I confirmed with him multiple times that this would be done as I do not owe these fees since my card was closed. He understood and stated that he documented the file. On XX/XX/XXXX, I was charged another late fee of {$19.00} ; none of the charges ever reversed. Once again, I was lied to by Barclay 's representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-23
Brooklyn, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: BARCLAYS BANK DELAWARE is harassing me claiming I have a loan with them. Over the last 12 months I've corresponding back and forth with them to gain clarity on a loan they claim is in my name & social. After extensive research I learned this account was fraudulent & I filed an identity theft claim with identity theft.gov. I submitted the required report to BARCLAYS BANK DELAWARE along with a notarized affidavit claiming fraud. BARCLAYS BANK DELAWARE is still claiming I have any account with them & they're threatening to send me to collections ... I need this matter resolved ASAP & would like BARCLAYS BANK DELAWARE to close their files which have any information with my name & social on it ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-23
Colfax, IN
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Complaint: I made a balance transfer in the amount of {$400.00} from XXXX XXXX and {$780.00} from XXXX XXXX into my Barclays account. These amounts never transferred but yet Im being charged interest on all the accounts! They never transferred but it showed they were transferred in the Barclays account! This was on XX/XX/18 and its still showing balances on all the account. Barclays has not done anything because they dont respond to my messages
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-22
Kasson, WV
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-22
Arvada, CO
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-22
Charlotte, TN
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-21
Orange Park, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I HAVE ASK FOR PROF FROM BARCLAY THAT THESE CHARGES WERE MADE BY ME THEY HAVE YET TO SEND ME PROF OF ANY PURCHASE MADE IF THEY CANT SEND PROF I WANT IT REMOVED FROM MY CREDIT REPORT BY LAW THEY MUST SEND PROF
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-21
Boca Raton, FL
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-21
VA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: On XX/XX/2018 I applied for a Barclays US credit card in order to transfer the balance from another card. In the application I requested that {$14000.00} be transferred from an XXXX card. I was aware that I would be charged a {$290.00} fee. On XX/XX/2018 I received an email from Barclays about my newly approved card and 3 ways to take advantage of it. No statement was attached to the email. The third link said Transfer a Balance and as I was unaware that my XXXX balance had already been transferred ( again no statement was provided ) I looked up the current balance on my XXXX card and requested the balance of {$13000.00} be transferred. When I finally got my statement I saw that Barclays had made a balance transfer 2 times leaving me with an overpayment on my XXXX card. I called Barclays customer service on XX/XX/XXXX and asked that the 2nd payment to XXXX be reversed. The agent told me that would take 2 weeks and suggested I ask XXXX to deposit the overpayment back into my XXXX checking account which I could then use to pay off the additional charge on the Barclays account. XXXX did this for me the next day. When I checked my Barclays account I saw that my payment had been received but Barclays was now charging me a second balance transfer fee of {$260.00}. When I called Barclays I was told an investigation would be open and I would receive a determination in 7-10 days. It has now been 30 days and Ive received no response. Ive called once a week and have been told the investigation is pending. No one has ever called or emailed me to investigate the case. Please note : when Barclays paid my XXXX card balance off twice they put my new Barclays card almost {$15000.00} over the limit. Why would they allow my new card to go over its limit? Why would I request a payoff of over {$29000.00} on the XXXX card when the balance was under {$14000.00}? In addition to being charged an erroneous fee of {$260.00} due to their error, Ive also been unable to use the card because its so high over the limit. Please help me - every time I call Im told Ill receive a response in 7-10 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-21
Hinsdale, IL
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Confusing or misleading advertising about the credit card
Complaint: I used a Barclay XXXX Rewards card to make a purchase at the XXXX XXXX store. According to the XXXX site, financing is available for purchases for 6-18 months depending on amount spent. I did not have a previous balance and I paid {$400.00} in payments toward the balance, the transactions were for XXXX products only and received an interest charge for {$48.00}. I called Barclay and spoke to XXXX operator # XXXX and was told, I had to call in to verify the financing, which was not stated on the site that a call was necessary to get the financing. I also spoke to XXXX operation # XXXX and she told me the financing was only available on " some days '', not every day. None of this information is on XXXX 's financing page found here : https : //XXXX XXXX XXXX , illinois card ends in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-21
Marysville, WA
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
2019-01-21
Chula Vista, 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: XX/XX/XXXX I used my credit card to paid for gasoline in XXXX XXXX. The clerk said my card was declined. I paid with cash and left. Days later, I noticed there's a pending charge on my Barclay app for the gas station.
XX/XX/XXXX I called Barclay to dispute the charges. I faxed them the receipt saying my card was declined.
XX/XX/XXXX I received a documents from Barclay. There's a copy of the receipt from the gas station with a signature that was not mine.
XX/XX/XXXX I faxed Barclay at XXXX docs in response. I included the DBO case number in the fax cover and letter. I got a confirmation that the fax was successfully sent from XXXX. My statement was that the signature on the receipt is not mine. I included a sample of my handwriting and a copy of the driver 's license which has my signature. I indicated that the merchant 's receipts is time stamped XXXX and my declined receipt is time stamped XXXX. This meant the clerk ran my card twice and kept the first receipt. He then gave me the decline receipt. There's no other reasonable alternative as to how I received the second receipt less than one minute later, except that the clerk gave it to me as proof that my card was declined.
XX/XX/XXXX I called Barclay. They said there didn't get my fax. The rep verified the fax number and said to try again without the " XXXX '' and wait 24-48 hours. I sent the fax to XXXX. I got confirmation of successfully sent.
XX/XX/XXXX I called Barclay. Spoke with XXXX. She said they didn't get my fax. She said to try another fax number XXXX and to mail the documents in. I asked why they aren't getting the faxes, when the confirmations said the docs were successfully sent. She said to try the other fax number, wait 2-3 days, and if that doesn't work, they have another method.
XX/XX/XXXX I faxed the documents to XXXX and sent the docs certified XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX DE XXXX.
XX/XX/XXXX Having not heard anything from Barclay, I called and spoke with XXXX. She said I have to take the dispute to the merchant, because the merchant provided a signed receipt.
I am a victim of fraud, and I feel Barclay is trying to weasel their way out of this. Barclay is obligate to protect the consumer. If this doesn't work out, I will pursue this matter small claims court plus punitive, no question. Do the right thing Barclay. I have all my documents ready.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-20
Bronx, NY
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 via email a notification from the fraud detention unit telling me to call to verify recent activity on my card, I was also left a voicemail to call. On that same day I called to verify what was happening, I was at work and called after, while driving on my way home. I was then notified of the fraud activities that took place on my account and was disclosed a list of transactions to verify I was asked if I remember last time I saw the card, last time I saw it was at the airport when I used it to pay for a seat at XXXX XXXX, and I said I think I put it on a draw in my house. I was told I should hear from the investigation team with any concerns or if any information was needed from me, I was going to be notified.
On XX/XX/XXXX, I received a call from the fraud investigation department agent XXXX called me and informed me that they have determined that the transactions were valid because I allegedly replied to a text verifying a transaction from XXXX on XX/XX/XXXX, and that all transactions are deemed valid, and I am responsible for the fraud activity that took place.
First of all, I was working during the time all these transactions took place, I have not replied to a text and if your records show otherwise then my phone was hacked. On the other hand, other methods of communication should have been used, an email sent, a call made like it happen the day I discovered the fraud. All transactions were allowed to take place, transactions that were outside my normal usage and large amounts and the only thing your representative says is that a text was used to confirm a transaction from one store.
The representative argued that my responses are inconsistent, I thought the card was in my drawer, as I told the initial representative, this is not the only credit card I have whether this card was lost or was stolen I cant recall. Last time I used and saw the card was at XXXX XXXX and I told the representative this. Another representative XXXX told me I never called back to report I didnt have the card and that it was lost/stolen. I was advice on my first call not to do anything that you will investigate. I did not make these transactions, I will not be liable for goods I did not purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-19
Jersey City, NJ
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: My credit card payment is due on the first i usually pay it the day before or on the first. I paid both my credit cards on XX/XX/XXXX. My XXXX XXXX card with barclay did not post my payment i got charged {$25.00} late fee and {$16.00} interest. I have requested that they please refund those charges. update their system and do not report this against my XXXX credit score. I am awaiting their response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-19
San Jose, CA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: I made payment to Barclay Card US on XX/XX/XXXX, in the amount of {$9700.00} via check number XXXX, despite my balance per my statement due only being {$920.00} and being due XX/XX/XXXX. The overpayment was because I had made purchases in XXXX that totaled the much larger amount, and I always pay in advance as I don't like revolving credit. The check cleared my bank on XX/XX/XXXX, and clearly references " Barclays XXXX '' on the back as the one that cashed it. However, it never appeared on my account that I check regularly on-line. I started calling Barclay 's on XX/XX/XXXX to inquire about it, and they claimed they had no record of the payment, so I provided them the check number and amount numerous times over the phone, as presumably that should be enough data to easily track it down. Realistically, how many checks could they have received with check number XXXX in the amount of {$9700.00} between XX/XX/XXXX and XX/XX/XXXX? They opened up case number XXXX. Regardless, by XX/XX/XXXX, they still hadn't resolved it, so I asked their employee number XXXX for a fax number to fax a copy of the front and back of the cashed check to, and I faxed it to them at the number he provided at XXXX. Despite him being on the phone with me while I faxed it, he was unable to verify that it reached their fax machine and reportedly unable to speak to anyone in that department, though I have the Transmission verification report showing it went through. I asked for an email address to send it to instead, but he wouldn't give me one. I asked for a fax number wherever he was in their offices so he could get the document directly and verify it was recieved, but he wouldn't give me one. So, I asked to escalate the call, and he said someone would call me back. I received a callback from someone on Sunday, XX/XX/XXXX. She said she couldn't find any document or reference to any faxed document that I sent them on the XX/XX/XXXX, so she ended up giving me a different number to fax it to, XXXX, as well as an email address XXXX, to send the copy of the check. I did so from my office the next business day, Monday, XX/XX/XXXX, and have the transmission verification report as well as the sent email to show it went through. However, when I have called them every day this week they couldn't verify whether or not they received this information again. They finally admitted today ( employees XXXX # XXXX and XXXX # XXXX ) that they did receive the documentation, but they claimed they hadn't received it until XX/XX/XXXX. Not possible as a fax or email are both maybe a second or two delay, but also not surprising based on what I've experience the past three weeks with this company. So, I asked to speak to a supervisor, but employee XXXX refused to connect me with one and said nobody was available. I asked for a timeframe that this would resolved, and they refused to give me one. I informed them that I've been getting daily emails from Barclay Card US indicating that I'm delinquent on my payment and asked them to do whatever they needed to do in their system to get those to stop as they had acknowledged that they had proof that this was their mistake, but they indicated it was automated and they couldn't stop them. I informed them that this was obviously a problem then, because their reporting delinquencies to credit bureaus and reporting account statement balances was likely automated as well, so they were thus likely to falsely report negative issues that may affect my clean/excellent XXXX credit rating. They had no response for me.
I need some help please. Barclay Bank should be required to promptly make corrections to their errors in a reasonable timeframe to ensure that their incompetence does not erroneously harm the financial standing of their consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-19
GA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Barclays reported an account to the credit bureaus and has been contacting me about this debt they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report.
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX XXXX or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. I am requesting just this or I will be forced to take legal action against Barclays at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified documents well as a copy of the document itself and the response I received from Barclays regarding this account on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-18
Plain View, VA
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
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX Credit Reporting Agency and/or it's attorney ( s ) Consumer Litigation Associates, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.
In the year of XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} XXXX ( XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX Credit Limit between $ XXXX and $ XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XXXX ) In the year of XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, DE XXXX Date ( s ) of final payments : XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX Credit Card XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX Credit Card XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-18
Dalton, MN
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
2019-01-18
Arco, 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: Ive tried several times contacting all 3 credit bureaus to get hard inquiries removed from my credit report to no avail. Each bureau told me that they can not remove any inquiry, and that Id need to contact the creditors myself to get them removed. When I contacted these creditors, they also told me that they can not remove them, and that Id need to contact the bureaus to get them removed. Both sides are giving me the run around. I do not and have not owned any lines of credit with the creditors in which these inquiries come from. There are a total of four inquires from XXXX, XXXX/XXXX ( XXXX ), Barclays, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-18
Managing an account
Checking or savings account: Savings account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-16
Newcastle, WA
Written notification about debt
Debt collection: Other 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
2019-01-16
Nyc, NY
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: Credit card name : The XXXX XXXX XXXX XXXX : Barclays Card type : Mastercard Advertised benefit 1 : 6X points per {$1.00} spent on XXXX purchases Advertised benefit 2 : Receive a 50 % savings on eligible inflight purchases Card advertisement link : XXXX XXXX XXXX Unreceived benefits : On multiple occasions, inflight food/beverage purchases on XXXX flights ( i.e. " eligible inflight purchases '' ) have been coded as " XXXX XXXX XXXX XXXX '' instead of " XXXX XXXX XXXX XXXX '' ). These " XXXX XXXX XXXX XXXX '' purchases receive only 1x points, which contradicts advertised benefit 1, and *do not* receive 50 % savings, which contradicts advertised benefit 2.
1st complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complained about above issue. Barclay response : the 50 % discount can take 4-6 weeks to post.
2nd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I say it has been >4-6 weeks now, and still no 50 % discount or 6x points. Barclay response : they will add the 50 % discount, but can not give me the 6x points.
3rd complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : I complain about the above response from Barclays, saying they owe me the points as well, and I'm unhappy about the difficulty of this process. Barclay response : they will add the points.
4th complaint to Barclay customer service XX/XX/XXXX ( picture attached ) summary : the above issue has happened again, and I submit another complaint. Barclay response : TBD In summary, I am very unhappy with how Barclays has 1 ) failed to remedy this issue after I initially brought it up, and 2 ) initially did not offer to even provide the advertised benefits when I brought the issue to their attention.
Company Response: Closed with monetary relief
2019-01-16
Philatelic Center, CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Can't close your account
Complaint: Barclays can not provide me with payment info, they give me a number for XXXX ( XXXX XXXX XXXX ) and online, and over the phone, they are saying they do not have the debt ( Ref : XXXX ). When I contacted Barclays again they then stated the debt had been moved, but have not given me payment details, meanwhile I accrue late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-16
CA
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: Without any notice or warning, on XX/XX/XXXX, Barclays closed both of my wife 's credit cards ( XXXX XXXX and XXXX ) and all three of my credit cards ( XXXX XXXX, XXXX and XXXX XXXX ). We only found out when I tried to make a {$0.00} purchase at XXXX, which was repeatedly rejected to my embarrassment. Only by logging onto my wife 's and my online account, did I discover the account closures. I promptly called Barclays customer service and was politely and apologetically told by the customer service agent that the accounts were closed due to our account usage, and that a letter would be forthcoming, but that the decision was irreversible and nothing could be done.
By way of background, with respect to the XXXX XXXX cards, my wife had paid an annual fee of {$99.00} on XX/XX/XXXX, and I had paid an annual fee of {$99.00} on XX/XX/XXXX. With respect to the XXXX cards, my wife had paid an annual fee of {$89.00} on XX/XX/XXXX, and I had paid an annual fee of {$89.00} on XX/XX/XXXX, in each case, just 11 days before closing our accounts!. Finally, with respect to the XXXX XXXX card, Barclays cancelled all XXXX of my rewards points. My wife and I had been saving these points to use, in part, for a free cruise for our 25th wedding anniversary in XXXX XXXX. The redemption value for these points is up to {$0.00} per point, valuing these points at {$16000.00}. My wife and had not previously used these points as we were waiting to redeem these rewards against the more expensive cruises to get the maximum redemption value. We were not interested in redeeming for less than {$0.00} per point.
My wife and I had Barclays cards for nearly 10 years. Most of the XXXX XXXX points had been accumulated over the past 2 to 3 years. During such time, Barclays increased the credit limits on many of our cards, encouraging us to spend more, and Barclays made a tremendous amount of transaction fees with respect to our spending transactions. Due to the account closures, Barclays had been unjustly enriched by ( i ) retaining our annual fees and ( ii ) by cancelling our XXXX XXXX points and depriving us the ability to redeem them for {$16000.00} in credit towards XXXX XXXX cruises. It is unjust and unreasonable for Barclays to permit us to use its cards, thereby generating substantial transaction fees, only to cancel our rewards point before we could redeem them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-15
Philatelic Center, 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: On the date of XX/XX/XXXX, after realizing my credit card has been lost during a business trip, I immediately login to my card management online website to request for a replacement and shut down the lost card. My credit card is XXXX Visa card with Barclays ( https : //barclaycardus.com ). In the request form, I was asked what is the reason I need a new replacement card, to which I selected the option that my card was lost/stolen and received a replacement card within the next few days.
About a few weeks later in XXXX, going over my statements as I often do monthly, I realize there are two abnormal charges from XXXX XXXX XXXX XXXX for the amount below : XXXX XXXX XXXX XXXX XXXX. {$270.00} XXXX XXXX XXXX XXXX XXXX. {$980.00} I immediately called the credit card company to let them know I don't recognize these charged and ask for a dispute. The main confusing point for me is the credit card fraud department seems to completely don't realize that I have asked for a replacement card in XXXX for lost and stolen reason and kept questioning me for why I didn't submit a report earlier.
Through various good will attempts to explain to different staff on the fraud team, I am still unable to communicate a simple fact that I have tried to inform them in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation