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 51
2019-01-08
Oxford, GA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: I completed a balance transfer in or around XX/XX/2018. As explained in my terms and conditions, the interest rate was a set percentage, but could increase. However, how that interest was calculated was on a per billing statement time frame for the balance transfer. I paid my card in full in XX/XX/2018, but I just received notice that I still owe a final " Balance transfer fee '' payment, event thought my account balance is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-08
Addicks, TX
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-08
Hinsdale, IL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On XX/XX/XXXX I contacted Barclays AAdvantage Credit Card Service Department to formally dispute a purchase of XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXXXXXX XXXX. The puppies were sick and unable to control urinating and defecating, so I returned the two puppies to the store on that day.
On XX/XX/XXXX I faxed a detailed letter to Barclays AAdvantage Credit Card Dispute Department outlining the reasons for returning the puppies to the store and that I asked for a full refund for the purchase price of the puppies {$3200.00}.
OnXX/XX/XXXX Barclays AAdvantage Dispute Department contacted me stating that the charges would be reapplied to my card and that I will receive a letter requesting additional information as to why I am requesting to dispute the charges that would allow me to continue to dispute the charges. I NEVER RECEIVED ANY LETTER FROM BARCLAYS AADVANTAGE DISPUTE DEPARTMENT.
XX/XX/XXXX I contacted Barclays AAdvantage Dispute department informing them that I have not received any letter from them. Barclay AAdvantage Dispute Department stated that the letter could take between 7 to 10 business days and that I should give it more time to arrive.
XX/XX/XXXX I contacted Barclays AAdvantage Dispute Department letting them know that I have still not received the letter from them so that I can properly respond to their questions for disputing the charges. Barclays Advantage Dispute Department said they would resend me the letter via email and to expect it within 2 business days.
XX/XX/XXXX I had not received am email from Barclays AADvantage Dispute Department so I called them again asking for someone to send me the information. During that call with Barclays AAdvantage Dispute Department the call was some how disconnect and the wait time to reconnect was over an hour.
XX/XX/XXXX I have still not received any letter from Barclays AAdvantage Dispute Department so I called again and again I was told that they would send me the letter via the mail and that they can not send this information via email.
The problem is that my credit card bill is due XX/XX/XXXX and I have not been given the letter so that I can respond to the disputed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-08
KS
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Unexpected increase in interest rate
Complaint: On XX/XX/XXXX, I submitted complaint # XXXX against Barclay Bank regarding a credit card I currently hold with them that was originally held by XXXX XXXX XXXX. On XX/XX/XXXX, the company responded to my complaint, however, the company never addressed the issue of my complaint. The complaint was then marked Closed by CFPB. I did not understand how the complaint could be marked closed when the main points were never addressed in their response. I provided feedback on XX/XX/XXXX and requested the complaint be reopened. On XX/XX/XXXX, I called CFPB and learned that I would need to submit a new complaint to officially reopen this complaint.
I am submitting a new complaint with the expectation that I receive an answer to the following : I am formally requesting a copy of the Change in Terms letter that directly explains when and why my FIXED RATE credit card ( originally with XXXX XXXX XXXX ) became a VARIABLE RATE credit card once the account was taken over by Barclay. If Barclay does not have a document that addresses this Change in Terms with regards to my FIXED RATE, then I feel fraud, and possibly illegal actions, have occurred against my account.
I am asking for an explanation as to how I can be charged a VARIABLE interest rate on money that was purchased on a FIXED rate.
I ask that CFPB reviews the response from the company to be sure the company is addressing the previous two points before closing the complaint.
I am attaching the documentation that was provided by the company as a response to the complaint for review. The XX/XX/XXXX documentation ( XXXX XXXX XXXX ) I was provided by the company as their response does not address the issues. I feel as if the company chooses to ignore the main point. In the company 's response regarding the Change in Terms agreement ( paragraph 2 and paragraph 5 ) the information letter that was mailed in advance of the conversion does not address a change in my FIXED RATE card to become a VARIABLE RATE card. The XX/XX/XXXX Change in Terms agreement addresses " a minimum interest charge '', " transaction fees for transfers, checks, etc. '' foreign transaction fees '', " returned payment fees '', " late payment fees '', " over the credit limit fee '', " APR for cash advances '', " the penalty APR '' and the " options '' I have if I do not agree to these terms by XX/XX/XXXX. In the document from XXXX XXXX, ( XXXX XXXX. ( CFPB ) .pdf ) she explains in paragraph 4, " At the time of the account transition from XXXX XXXX XXXX to Barclays , the Prime Rate was 4.25 %, the current Prime Rate is 5.25 %. '' This response makes it appear as it my account was based on the Prime Rate. What validity does this statement have when it was a FIXED RATE APR account? My husband still have his account with XXXX XXXX XXXX with his FIXED RATE. Until I have documentation proving otherwise, my account would still have a FIXED RATE as well if it was still held with XXXX XXXX XXXX. It is not until Barclay took over my account that it became a VARIABLE RATE centered on the Prime. I am not pleased with the fact that the response did not address the most significant issue in my complaint. As an American consumer and a customer of Barclays, I expect the next response to address my points above. Based upon the response from this second attempt will determine if I will pursue legal advice from the military base to decide how to further proceed with getting this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-08
Syringa, VA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: At first it started off with messages being left on my cell phone voicemail, that they were NEVER given permission to call, never left the Mini Miranda, the name of the company and when I tried to call the numbers back, the phone just rang. At first, I assumed it was a scam and ignored. After continued calls and threats left on voicemail, of which I have saved, I was given a number to call back, which I did. At that point, I left at least 2 messages notifying them this was my cell phone and not to call that number and that I filed bankruptcy and all debt was included. I left the attorney 's information to contact. I also asked for a letter to be mailed regarding the debt as I have never received any notification of the debt. I received nothing that I requested to comply with FDCPA and provide notification of the debt being collected on. This also did not stop the calls. XXXX XXXX continued to call and leave voicemails. Today he called again and I was near my phone and answered the call. He proceeded to tell me that " they '' ( he still did not provide name of agency ) were going to file garnishment against my pay. He also then made the comment that I am filing bankruptcy every 7 years, just spending money and then filing bankruptcy, which is harassment under FDCPA. On NO message left was the Mini Miranda and each contact was a collection effort. When I told him today the credit card was in my bankruptcy, he stated that it didn't matter, that the client had requested to file garnishment against me. I advised he needed to contact my attorney and he stated he knew who I was and would just proceed with his client 's request. He stated that Barclay was not included in my bankruptcy. This was the FIRST time I was notified of who the creditor was. I told him that I knew it was included and he needed to contact attorney. He would not take the attorney information. Instead, he continued to threaten me with garnishment. I told him, if he file anything against me, I would file suit, and he hung up in my face. I will be contacting an attorney to file suit for harassment and several other FDCPA violations. This credit card ( Barclays ' ) was included in my Chapter XXXX bankruptcy and is not owed by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-07
Houston, TX
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
Complaint: Credit card company is holding me responsible for spousal identity theft committed by my ( now ) ex-spouse. Spouse got a Barclay 's Visa XXXX Rewards card on XX/XX/XXXX, without my knowledge or consent, a month after I filed for divorce and fled our abusive home. I initially noticed the card I didn't recognize when I looked at my credit report in early XX/XX/XXXX. I immediately contacted Barclays and the said they would get back to me. They never did. Purchases to the account were made during this time and after, but I never received bills or statements or were aware of them in any way. The divorce was final XX/XX/XXXX.
In the midst of a difficult divorce, I did not follow up until XX/XX/XXXX when I received a letter in the mail from Barclays stating what they did with my information. I called them immediately, stating this was identity theft ; it was not my card and I have never had an account of any kind with them ; they opened a fraud investigation. Despite sending them police and FTC reports, Barclays ended the fraud investigation once I said I recognized the name of my spouse. However, he had never been an authorized user or in any way listed on the account ; I was the only name on the account. Despite this, all the contact information they had ( email, phone number ) was his. Prior to my contacting them in XX/XX/XXXX, I had never received a statement -- they were paperless, sent to the thief 's email. This violates the Fair Credit Billing Act.
Since we were still married at the time the card was opened, they are holding me responsible for everything. Barclay 's says no signature was required to open the account so I can't claim he forged my signature. What about all the fraudulent purchases made, was my forged signature required then? While I think my ex should be held responsible, I also am in no way responsible for this identity theft. I have closed the account but I know that fees and interest are building and threaten to negatively impact my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-07
Jackson, MS
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
2019-01-06
Detroit, 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 explanation
2019-01-06
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-05
Nyc, NY
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: A balance was carried over from XXXX XXXX to BarclaysJetBlue when XXXX XXXX ended the program with JetBlue. Below is the XX/XX/XXXX-XX/XX/XXXX payment history from the BarclaysJetBlue account. For two years, I have been consistently making early payments 2x the requested minimum without making purchases yet Barclays continues to charge interest on multi-cycle billing. I do not use the card, am trying to bring down the balance but the interest is the same month over month. I am asking for your intervention as is my right under the CARD Act of 2009, the Fair Credit Billing Act & Fair Credit Reporting Act. Recently, I sent a second payment in XX/XX/XXXX to be applied to XXXX billing and payment was not reflected. The Barclays billing and interest practice is creating a hardship and making it difficult for me to ever pay off this credit card account and negatively affecting my credit score..
XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$580.00} XX/XX/XXXX {$100.00}
Company Response: Closed with explanation
2019-01-04
Glendale, CA
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
2019-01-04
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-04
Leeton, UT
Incorrect information on your report
Credit card or prepaid card: General-purpose credit card or charge card
Account status incorrect
Complaint: The card XXXX XXXX XXXX card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX.
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-04
Archers Lodge, NC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance.
* Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate.
To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-04
Jacksonville, FL
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-03
MI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation!
This arbitrary action cost me approximately {$180.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-01-03
Massillon, OH
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
2019-01-03
Spartanburg, SC
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
2019-01-03
Lewisville, TX
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
2019-01-03
Santa Clarita, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-02
Ft 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
Complaint: My Name is XXXX XXXX, I have been a victim of identity theft. I have dealt with this haunting issue for almost 10 years or so.
In XXXX my information was breached due to a local medical facility called XXXX not securing medical records in a proper manner. Someone managed to open up a XXXX XXXX account and order phones which was finally Deleted from my credit report about 2 months ago.
This same person managed to open up a XXXX XXXX credit card ( Account # XXXX ) in XXXX of XXXX and even managed use of it and made payments. I suspect that it was someone in my city because I never received a card or anything related to it. I tried to dispute this with XXXX XXXX but they kept saying that the card was mine, I filed reports with the FTC and directly with XXXX, XXXX and XXXX.
I also had bank accounts that were opened in my name which the banks were able to close once I disputed and provided proof. XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. All of these accounts were deleted successfully from my credit reports except for XXXX which is still on my XXXX.
I also had a card fraudulently opened from XXXX XXXX XXXX ( Account # XXXX and, one in XX/XX/XXXX and one in XX/XX/XXXX.
Finally, the most egregious one was opened in XX/XX/XXXX with Barclays ( Account # XXXX ). this card had the highest credit limit. I need these issues resolved because it has lead to all sorts of issues in my life.
Ive tried to dispute these with the proper authorities and the companies themselves and Im not sure what kind of information they have but I assure you these credit lines are not mine.
Attached is the report I filed with the FTC Back in XX/XX/XXXX to have these items removed from my credit report.
I have also attached my Social Security card and Florida Drivers license.
At this point I am Disputing the following : Barclays XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX & XXXX ) XXXX XXXX XXXX ( XXXX ) Respectfully, XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX FL XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-02
Manhattan, NY
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-02
Bellevue, WA
Communication tactics
Debt collection: Other debt
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-31
Key Biscayne, FL
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Barclays bank XXXX XXXX credit card.
online credit card payment to barclays was rejected by my bank ( XXXX XXXX ) because bank closed account due to fraudulent activity.
I explained this to Barclays Bank supervisor XXXX, ID Number : XXXX and inspite of repeated requests to waive the fee for returned payment for extraordinary circumstances, she said bank policy is not to waive this fee under ANY CIRCUMSTANCES.
Fraud on my checking account was out of my control and supervisor was absolutely unwilling to offer any help.
Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-12-29
Arvada, CO
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