BARCLAYS BANK DELAWARE

2018-12-28

Coalinga, CA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I have a line of credit that was opened on XX/XX/XXXX and will expire XX/XX/XXXX which had a balance of around {$1800.00} as of this month and on XX/XX/XXXX I added a new line of credit of XXXX. My issue comes in the fact that in end of XXXX I made payments to my account but the credit company has applied it to the more recent balance transfer. I did write them to ask that the applied my payment to the oldest balance transfer but they informed my that they can applie my payment where every that want.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-28

PA

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: I received a letter from Barclays Bank in XXXX DE regarding an application that was placed in my name for a XXXX XXXX Credit card. I DID NOT apply for this credit card. The application number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-27

Binghamton, NY

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

Timely Response

2018-12-27

Albany, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-27

Nyc, NY

Other features, terms, or problems

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

Other problem
Complaint: I was in XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with some friends from XX/XX/2018 to XX/XX/2018. On XX/XX/2018 around XXXX XXXX to XXXX XXXX my friends and I went to a tour with XXXX XXXX XXXX to see one of the hotels that they have for their customers V.I.P. in XXXX, XXXX XXXX, XXXX XXXX. We returned to XXXX XXXX XXXX after XXXX XXXX ( I dont remember the exact time ). The tour guide, or the representative of the XXXX XXXX XXXX that took us to the tour took me to the office because I was interested to know the prices for the membership. He found another gentleman that started to inform me about the prices of the membership. Most of the prices were very expensive. I remember that I informed them that I was a victim of a robbery and because of that I am registered with credit report ( XXXX ) and I have a LOCK on my credit. I dont remember how the conversation started, but a credit check of {$3000.00} was initiated. I got involved and I gave them my information including my social security to check my credit. In less than 15 minutes this man ( not the tour guide ) returned with two forms of credit cards saying that I was accepted for two credit lines. One for {$11000.00} and the other {$8000.00}. I was very surprised about these two credit cards when in fact my credit has a LOCK in the United States. These men started talking to me about a penthouse deal. They mentioned that I can do business in XXXX, XXXX, etc. renting the penthouse. I mentioned to them that I was not a social media person, and I can not do that. I was so involved that I ended up signing some documents. I remember that one of the requirements was to put my initials in one book. I asked the woman who brought the book what information was contained in the book. She said that was the club information. When I put my initials on each page she took the book and I said to her if she was not going to give me a copy. She replied that the information was on the CD. When I left their office is was dark. Next day on Sunday, XX/XX/2018 around XXXX XXXX I went to XXXX XXXX XXXX to talk to them regarding the deal of the penthouse that they gave me. I saw the man ( Not the tour guide ) that worked with me the day before and I said to him that I wanted another deal or something more reliable for me because usually I travel by myself or with my mother and that a penthouse was too much for me. He said customer service is the one in charge and they would make the changes. He sent me to a office to talk to customer service by phone because there was no representative of customer service in the resort. When I was in the office, they communicated me with a representative of customer service.Her name was XXXX. I explained to this lady that I wanted to change from penthouse to something more reliable. She said that she will check with her superiors and put me on hold. After a while she returned and said that her superiors said NO and that she can give me a village deal for the same price. I told her no and that I wanted something more reliable and affordable, because I have student loans, bills, among other things to pay. She kept saying NO and saying Yo No Entiendo which means I dont understand in XXXX. I started to feel uncomfortable because is was not even 24 hours that I got involved with the XXXX XXXX XXXX and this was how they were behaving and treating me. At one point this lady said to me YOU ALREADY PAID. I said to her excuse me and she said it again and mentioned that I have a contract with them and an agreement. I said to her that I will call the Bank and cancel the transaction. I left the office and went to my room in the resort and from my cell phone I called the the phone numbers of the paper that they gave me. I remember that I made the calls around XXXXXXXX XXXX on that Sunday, XX/XX/2018. The first bank that I called was XXXX XXXXXXXX XXXX. I explained to the person that I spoke with what happened and she mentioned that the payment was pending that she could not cancel the transaction of {$7600.00}, but she said to call in 24 or 48 hours. Then I called Barclays Bank ( according to the phone that was on the papers ) I explained to the person that I spoke with what happened and he was able to cancel the transaction of {$11000.00} and I told him to close the credit card. Next day Monday, XX/XX/2018 I called XXXX XXXX XXXX to cancel the {$7600.00}. I explained to the rep what happened, and she closed the card and canceled the payment. Then I called Barclay Bank to be sure that the {$11000.00} transaction was canceled. So the payment of {$11000.00} was canceled and the balance was {$0.00} balance. Next day on Tuesday, XX/XX/2018 I called Barclay Bank and XXXX XXXX XXXX just to be sure that those transactions were canceled. When I spoke to the person at Barclays Bank the account was {$0.00}. The operating system of XXXX XXXX XXXX said that I have a balance of {$7600.00}. I Called again to XXXX XXXX XXXX and asked what happened and they said that the money is pending, and they have to open a dispute. A dispute investigation was opened and would take about a month. Eventually XXXX XXXX XXXX found that XXXX XXXX XXXX committed a FRAUD and credited {$7600.00} to me. Two or three weeks after the dispute was close with XXXX XXXX XXXX I received a bill from XXXX Barclays credit card for {$11000.00}. I called to inquire about the credit card. I asked the person who answered the location and she said that they were in XXXX. I explained to her that I canceled that payment, but I received no help from her. I called Barclays Bank and explained what happened to the lady that spoke to me. She did a three ways conference call and called the XXXX credit card and asked the person who answered that cancel the payment and why that money was not refundable back to the bank. The man whose answered the phone did not know what to respond and transferred the call to another line. An answering machine answered, and I left a massage ( I am still waiting for a call back ). Due to this, a dispute was open. During the investigation I called once. I called to get an update of the dispute, but they said that they were still investigating. Then a day before XXXX I received a letter from Barclays Bank saying that the dispute was found in the favor of the XXXX XXXX XXXX and I was expected to pay them {$11000.00}. With all due respect we are talking about {$11000.00} that I did not eat, drink, or did anything, not {$100.00}. Some people are very UNSCRUPULOUS. I dont know where they are connected, but I know that they are using my name to get money. Sadly, I know that I am not the only victim. But I pray that all this Pandora Box will open and expose the wrong doings to the light.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-26

San Gabriel, CA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: 1 ) When I signed up in-flight for this credit card, XXXX promised an in-flight signup promotional bonus of XXXX miles on top of the XXXX miles that I would get by hitting a spending limit in the first year. I received the XXXX miles but customer service did not get back to me about the promotional bonus. And then they took away my XXXX miles even though they promised they wouldn't let it expire while they looked into this other issue. 2 ) They created an additional frequent flyer account in addition to my existing one, despite promising me that they would be issued to my existing account. I couldn't use the combined amount and customer service never got back to me about resolving this issue. 3 ) XXXX/Barclay never sent the {$100.00} voucher for meeting the spending limit and flying a XXXX flight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-26

Patterson, MD

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 presented my XXXX XXXX XXXX Mastercard from Barclays Bank for payment at the restaurant in the XXXX at the XXXX ( XXXX, XXXX ) on XX/XX/18 and asked them to apply it to the dining bill, charging me for one half and charging one half to another party ( who provided a different credit card ). Upon reviewing my account statement a month later I noticed the merchant had charged me twice - once in the amount of {$38.00} and once in the amount of {$38.00}. I disputed the charge as a " duplicate '' with Barclays Bank, the card issuer. Barclays Bank contacted the vendor who explained in a written statement ( attached ) that " the bill was split into 2 guest checks and was paid with diff [ sic ] credit cards. '' This statement by the restaurant was false and fraudulent - as the evidence they provided clearly showed : a copy of the slip I signed with half the amount and a copy of a second slip also charged to my account with a scribbled signature that looked nothing like mine. Instead of doing the right thing and telling the restaurant they made a mistake and resolving the dispute in my favor, Barclays left me a voicemail ( on a phone I couldn't access for two months ) asking me if the other party had been charged or not. I didn't get the voicemail until months later when I returned to the US but even if I had gotten the voicemail I had no way of knowing if the other person in my party had been charged or not. The question was not germane to my dispute : the XXXX can not charge my card for the second half when I clearly stated I was only paying for the first half and in fact had only signed for that half. Barclays ' excuse in resolving the case in favor of the merchant was that I didn't respond to their voicemail fast enough. I don't think they should have contacted me in the first place - the resolution should have been made after receiving the paperwork from the merchant with the clearly erroneous ( I would say fraudulent ) information. At the least they should have contacted me in writing.
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

2018-12-26

Foothill Ranch, CA

Closing an account

Checking or savings account: CD (Certificate of Deposit)

Can't close your account
Complaint: This complaint is for Barclay 's US bank ( Barclays Bank Delaware in XXXX DE ). I have multiple complaints about this back including : 1 ) Gross misrepresentation of the US Patriot Act in an apparent effort to illegally freeze accounts and or account access of US citizens. 2 ) Breach of contract for it's certificate of deposit holders 3 ) Failure to provide the legal documentation for accounts ( deposit certificate, statements, forms to close account, etc ) to US account holders, even after being told to do so over a dozen times. 4 ) Theft of the funds held in my account from me. I have contacted the bank over a dozen times over the past month and several other times in the past ( Supervisors XXXX XXXX, XXXX XXXX, et al have been involved in some of these requests ). They have been informed that they are in breach of contract by freezing my account and/or access to my account which I opened 3 years ago. I have told them numerous times that I never received any information in the mail at my legal address about my account, that they never even sent me an account number for my account, and that I find them in breach of contract. This bank is horrible and they are risking financial misery of all their US clients by grossly misrepresenting the US Patriot Act. They have stated to me that they can freeze accounts purely because a customer does not wish to risk his/her identity security by giving out confidential information over the phone each and every year to avoid freezing their accounts, and they are doing this only to have the customer prove that he/she is the same person and has not moved since last year. I know of no other bank in the USA that acts in such an extreme and radical manner. They have no basis or evidence to suggest any of my information has changed ( I still have the same name and reside at the same home, which I also own and the public records proves that ) and yet they are freezing accounts and refusing to send the account documentation to the account holder 's legal address - and even after they have been informed that said account holder wishes to close their account immediately and requires the necessary forms to do so. I have had this account for 3 years and even though I have complained many, many times they have not sent me one acknowledgement of the account with an account number or one statement. I hereby request that the US Gov't investigate the practices of this bank. Every bank that operates in the United States mails a certificate of deposit statement, account statement, etc to the mailing address on record for the account yet this bank refuses to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-24

Topeka, KS

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: On XX/XX/2017 someone applied for a Barclays Credit Card with my Information without my consent which resulted in an hard inquiry on my XXXX Credit Report. I contacted Barclays Bank Delaware themselves and tried to resolve the issue but couldnt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-24

Jersey City, NJ

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: Barclays XXXX Mastercard Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$150.00} on my account. The amount is inaccurate because I have not shopped or ordered anything from the following merchants. I recently received my current card ( just weeks old ) as a result of fraudulent activity. On XX/XX/2018, I noticed new fraudulent. I am more concerned with lack of protection and risk I have been subjected. Transaction Date Description Category Amount XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX *XXXX DEBIT XXXX XX/XX/2018 XXXX XXXX XXXX XXXX DEBIT XXXX I am requesting that the errors are corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. I would also like the evidence and source of charges I've identified as fraudulent and also a statement of all transactions that were denied. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-24

Bedford, OH

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

Timely Response

2018-12-24

Fort Macarthur, CA

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

Timely Response

2018-12-24

San Diego, 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

Timely Response

2018-12-22

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
Complaint: Barclays Bank shows in my credit report still claiming I owe {$8800.00} as of XX/XX/2018. On XX/XX/2018 I sent a letter to Barclay Bank I requested validation that is competent bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this company that is reporting in my credit report. Within 30 days the company responded back to me, telling me that i can review statements online by logging in to online account, and included statements with this letter. On XX/XX/2018 i received another letter from Barclays Bank explaining that they are no longer able to fulfill requests for books, records or statements copies dated earlier then XX/XX/2013. On XX/XX/2018 I send second letter regarding the first letter, how they yet failed to provide me with copies of any viable evidence, bearing my signature, showing the account is being reported accurately. A print of a bill or itemized document does not constitute verification. So i again asked for copies of document bearing my signature. On XX/XX/2018 send me a letter back asking for more info from me when in fact all was given from letter one to investigate this issue, and still continuing to report in my credit report. On XX/XX/2018 I send all the documentation proof to all three credit reports showing copies of my dispute I have made with Barclays Company and they failed to provide me copies of documentation having ( or ever had ) contractual agreements bearing my signature. The Barclays Bank breaking the law by not providing the documentation, and two : reporting complete wrong acct # from the statement and wrong credit limit overall against the law. All communication Records are kept for proof of dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Agoura Hills, CA

Fees or interest

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

Problem with fees
Complaint: Applied for credit. Received low offer at high interest rate : XXXX @ 25 % APR Company sent credit card and we did not activate card/account nor log in to account Company immediately started reporting to credit bureaus One year later we receive paper statements Second statement asked for annual fee We declined to pay annual fee since we never activated card/account Called company they offered two options pay fee or close account Closing account would harm credit score Paying fee is unfair since we never used card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Cheverly, MD

Problem when making payments

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

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

Timely Response

2018-12-21

San Diego, CA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: On XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Clermont, FL

Written notification about debt

Debt collection: Credit card debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment. So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation. It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. Please advise to XXXX Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-21

Clinton, MD

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 monetary relief

Timely Response

2018-12-21

Manhattan, NY

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

Timely Response

2018-12-21

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

Timely Response

2018-12-21

Tustin, 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

2018-12-20

Pittston, ME

Charged fees or interest you didn't expect

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

Complaint: I received a personal Loan offer from Barclays, a credit card company. The letter stated that the loans were being offered@ 4.99 %, but to accept the offer, I needed to connect to the website, online. No customer service telephone number was provided in the letter. At the website, the lowest interest rate available was 5.7 %, and up, ( based on your credit-worthiness ). This is just plain False Advertising. I tried a few of their links, and some offered loans - less than 35 % interest, but I didn't see anything@ 4.99 % or less. I would like to know, where are these loans are hiding? Since their offer is deceiving, I will look from any local bank, where this does not happen, and I can speak to a real person. XXXX is an Invitation number, not a loan. I have their Credit card, but did not originate any loan from them per this generous offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-20

Eden, PA

Struggling to pay your bill

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

Credit card company won't work with you while you're going through financial hardship
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-12-19

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response