BARCLAYS BANK DELAWARE

2018-11-27

Olympic View, WA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2018-11-27

Mesa, AZ

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

Timely Response

2018-11-26

Spring Hill, FL

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 received a follow up on a complaint to Barclays Bank for deceptive lending practices amongst other things. In the response from XXXX. XXXX XXXX, he indicated Barclays does not perform credit line reviews during the balance transfer solicitation period which is indicated in the WRITTEN response occurred XX/XX/XXXX - XX/XX/XXXX. Fortunately, I have located additional balance transfer offers on my account PRIOR to Barclays soliciting me to use my credit line. Ive attached 2 samples as evidence to support the deceptive practices. I previously raised this issue in XXXX and Barclays corrected the issue by restoring my credit limit. To top it off, I have to wait for 3 minutes to talk to a representative from the Office of The President. The wait time solidifies Barclays servicing practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-25

Green Acres, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-24

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: I was never late on my payments. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. Account Name : BARCLAYS BANK DELAWA Account Number : XXXX Date : XX/XX/2015 Amount : {$19000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-24

Pahoa, HI

Other features, terms, or problems

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

Other problem
Complaint: Barclays Bank Delaware is the provider of XXXX XXXX Mastercard. Every time I go to the Barclays Bank of Delaware website the reporting of credit card information is inaccurate. The Credit Line less Current Balance NEVER equals the Available credit. Example today : Website reports : Credit Line = {$500.00}, Current Balance = $ {$320.00}, Available Credit = {$0.00}. Does NOT add up. Never does. Previous statement Balance = {$250.00}, Purchases ( posted ) = {$960.00}, payments ( posted ) = {$890.00} leaving balance of {$320.00}. Credit Line of {$500.00} less balance of {$320.00} should equal Available Credit of {$170.00} NOT {$0.00}. Even accounting for " Temporary Authorizations '' of {$16.00} the Available Credit should be {$160.00}. NOWHERE on the website is there an explanation of why Credit Line less Current Balance does not equal Available Credit. Fraudulent and highly unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-23

San Jose, CA

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: Subject : Dispute fraudulent charge on a card closed for over 2 years and fix credit report ASAP Case details : a ) Card Issuer : BARCLAYS BANK DELAWARE b ) Account id : XXXX c ) Last 4 of card number : XXXX d ) Type of Card : XXXX XXXXr MasterCard e ) Card Closed on XXXX XX/XX/XXXX f ) Unauthorized charge details $ Amount : {$100.00} + late fees Merchant : XXXX XXXX date : XX/XX/XXXX ( after 2 years of closing the card ) g ) Reported to Barclays agent : XXXX. Barclays refused to give me a case number I need help urgently. I closed my Barclays card on XXXX XX/XX/XXXX. My account was in good standing and I have paid on time as you can see from my past record. As I was applying for home loan, I was told that there is late charge on my credit history and my credit score is down by XXXX points. Now I am not getting Home loan. I am surprised that a card that was closed in XX/XX/XXXX can be charged in XX/XX/XXXX two year later by a merchant for a new transaction. This is a clear breach of trust and miss on Barclays fraud system. This was reported to card bureau as overdue by 30 59 days without giving me sufficient notice to dispute this charge. I also got repeated calls ( at inconvenient times ) from XXXX XXXX XXXX claiming to be calling for Barclays. This has negatively impacted me and my family and created mental and emotional stress. I request you to a ) Please help close my Barclays Account and all cards associated with it I thought I already did this. Please ensure no merchant can charge my CLOSED card. b ) I request you to please get my record corrected with the Card Bureau ASAP I need my score back and have to cancel my home buying plans c ) I would also request compensation for the stress and challenges it has created for me. d ) I would also like you to fix the Bank system, which I am sure has impacted other customers and will continue to impact more in future.
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

2018-11-23

Simi Valley, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Between XX/XX/2018 and XX/XX/2018, my identity was stolen and this person ( s ) attempted to open several new store credit cards as well as use my existing credit cards to make approximately {$20000.00} in unauthorized purchases at retailers including XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXt and the XXXX XXXX. I have worked with all the retailers to remove the unauthorized purchases, however, Barclay 's bank has dismissed my fraud claim and insists the account opened for an XXXX XXXX purchase in the amount of {$3400.00} is valid. When I became aware of the fraudulent activity, I immediately contacted Barclay 's bank, which was around midnight of XX/XX/2018. Instead of reporting the account as fraud, the Barclay 's representative closed out the account with NO ACTION. Several weeks later, I received a call from Barclay 's due to a " late fee '' on this account. I spoke to a Barclay 's representative and explained the account was fraud, and they informed me they would conduct an investigation. Several weeks later, I received notification that " the investigation '' concluded that I was liable for the account. I asked for the proof and explanation as to how they came to this conclusion. I reiterated that I am a victim of identity theft. The other unauthorized purchases were made in the XXXX XXXX area as well. They refused to provide the information and insisted I file a police report. I informed the representative that I was unable to do so because the police wanted to know the location of the crime, date, person, etc. which I do not have the information for. I reached out to XXXX XXXX on XX/XX/2018, at Barclay 's bank, who referred me to the Office of the President. I was assured my claim would be investigated. Several weeks later, on XX/XX/2018, the representative from the Office of the President, XXXX XXXX informed me that the account is valid and I am liable for it. I again asked for the proof, including the date of the purchase, but she was unable to provide. The " proof '' is that the XXXX XXXX is within 40 miles of my home so it is feasible that I made the purchase. She discounted the fact that there are several other XXXX XXXX much closer to me, including one that is less than 10 miles from my house and that I had my identity stolen. She was unable to provide me with a date or anything substantial from the investigation so that I have an opportunity to dispute. The representative from the Office of the President, XXXX told me she would call me back with the date of purchase, but that was on XX/XX/2018, and I have not heard from anyone since. I reached back out to XXXX XXXX, Head of Corporate Communications, at Barclay 's on XX/XX/2018, and he informed me he would forward the request to Customer Service. Not surprisingly, I have not heard from anyone at Barclay 's. Meanwhile, Barclay 's is reporting this account as a delinquency on my credit report, dropping my score hundreds of points as each month goes by. I am reporting the unethical behavior by Barclay 's in ignoring my fraud claim and not properly investigating it. I initially reported the fraud early XXXX, and instead of initiating a timely and thorough investigation, Barclay 's closed the account. It has been 3 months and Barclay 's has not properly investigated this fraud claim. I have spent countless hours providing them with the documentation and had several discussions to verify my fraud claim which they have chosen to ignore. Barclay 's egregious and unethical behavior must be made known to consumers. They should not be allowed to bully me and harass me into paying for an account that I did not authorize or open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-23

Seattle, WA

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: I received an email saying that I miss a payment on my credit card, because of that my credit score went down by 200 points, my APR increased in another credit score and my credit limit decreased. All of this happened because my automatic payment was cancelled by my credit card company. Then the credit card company never sent me the monthly statement or an email. I called the company and told of the problem. They acknowledge the problem. I paid the monthly statement, but they did not remove the late payment from my credit report. They told me that it wasn't their problem. This is having a negative impact on my life even when it wasn't my fault. I reached out to them for a solution and they don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-23

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

Timely Response

2018-11-22

Boca Raton, FL

Problem with a purchase shown on your statement

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

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

Timely Response

2018-11-21

Grandville, MI

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-21

Smyrna, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-21

Corona, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: Barclay settled debt with me XX/XX/2018, account was converted to a XXXX XXXX owned by XXXX XXXX XXXX XXXX. Since account was previously settled before being converted I owe no debt to XXXX XXXX, but credit report is showing status as charged off with a balance of {$2100.00}. Even after Barclay Bank put settled on credit report. XXXX XXXX changed status to show that I still owe them debt, and has marked my credit report with more late payments. Further damaging my credit. I have contacted them since XX/XX/2018 but keep on getting the run around of it being taken care of. Instead late payments are showing on my credit report to debt that I have settled with original creditor ( Barclay Bank Delaware ) and credit score has dropped making my credit unworthy of applying for student loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-20

Cleveland, OH

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-20

Everett, WA

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

2018-11-20

Chicago, IL

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: I have been contacting Barclays, who appear on my credit file as BRCLYBANKDE, trying to rectify the situation regarding unauthorized inquires but I have been given the run around and told I would be contacted back on numerous of occasions but I have not. Initially I was not even sure what type of loan company this company is but upon contacting them I was told my social security number was used during an application to obtain a credit card of some sort. On my XXXX report, there are inquiry date of XX/XX/2018. Neither of these did i authorize or give permission. They are a result of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-11-20

Brooklyn, NY

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I was shocked when reviewing my credit report and found 2 late payments on the dates below : XXXX 2018 I always make my payments to you when I receive the statements. The statement has obviously gotten lost in the mail and never got to me.
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

2018-11-19

Delray Beach, FL

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 non-monetary relief

Timely Response

2018-11-19

Reidsville, NC

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-18

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

2018-11-17

IL

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: This account is being illegally reported on my credit report. On XX/XX/18 and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out the company yet again with a letter in getting this issue resolved, I sent along an affidavit/police report but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-17

Houston, TX

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Installment loan

Complaint: Applied for a loan with Barclay bank back on XX/XX/2018. Subsequently, I was approved and granted a loan several days later. The details of the loan as specified on the contract are disclosed on the attached contract. However, it's fair to mentioned that the interest rate I agreed to is 12.99 %. However, based on the current status the company has been charging an interest rate twice as high. Considering once again the current status of the loan which I will provide a current statement of. In any case, as of today, after having paid the first payment in the sum of {$200.00}. My loan is showing a balance of {$7400.00} which is much more higher than the interest agreed to and the conditions set forward by the loan. Considering once the loan amount to has been {$7500.00} at a 12.99 % interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-17

San Mateo, CA

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX18, I discovered a credit card payment of {$25.00}, that I did electronically through my bank on XX/XX/XXXX18, went to the wrong credit card company. I contacted that incorrectly paid credit card company on XX/XX/XXXX18 explaining to them what happened. I asked them to send the money back to my bank. They said they could not. I asked to speak with a supervisor who said I needed to have the bank " initiate a reversal. '' My bank said they could not do that since the payment was made through a clearing house ( 3rd party ). I called BARCLAY XXXX REWARDS VISA SIGNATURE credit card back ( who is the wrong company I made the payment to ) & spoke with another supervisor who gave me 2 options : 1 ) Try again to get the bank to initiate the reversal or 2 ) Wait until the payment I sent to Barclay for my payment dueXX/XX/XXXX18, to be posted to my account ( which I paid in FULL ) & then call Barclay back & then they can issue a refund check to me. I did call my bank a 2nd time & this guy checked with his manager & confirmed that there was no way they could ask for the money back since I initiated the payment & the clearing house sent it. XX/XX/XXXX18, I checked my credit card account & it showed the FULL AMOUNT owed for XX/XX/2018 was posted to my account. I called Barclay & asked to get the refund check. The rep said he couldn't do that. I asked for a supervisor. I was told they were ALL in a " meeting '' & no one was available but he could request a supervisor call me back within 24-48hrs!!! I told him that was unacceptable especially after all the time I spent yesterday with Barclay trying to get this resolved! Finally, XXXX was the supervisor who came on the line. She said she was going to try to initiate the refund check & put me on hold for quite a few minutes-twice. Then the " Hold '' turned into a dial tone. She HUNG UP ON ME!!! I called back & spoke with another girl who would not connect me to XXXX until she knew what my issue was. So I went through the whole story with her too! After which she said in the " notes '' of my account, it looks like XXXX initiated the " Investigative Team '' to take a look & within 25 BUSINESS DAYS, I may see the refund check. I told her that was unacceptable & needed to talk with XXXX. Then she said she couldn't get XXXX but XXXX was available. XXXX did her " review '' of my case & said she was sorry that I had been INFORMED INCORRECTLY by those other supervisors & I WILL NOT BE GETTING A REFUND CHECK. I told her to look at my account history because since I have had this credit card, I ALWAYS PAY ON TIME & IN FULL EACH MONTH. Therefore that random payment they received on a random date for a random amount of {$25.00} on XX/XX/XXXX18, when the payment wasn't due until XX/XX/XXXX18 for the amount of {$2900.00}, was CLEARLY a MISTAKE & should be returned to me. Especially since we both could see that Barclay posted the amount due as received on XX/XX/XXXX18. XXXX finished our conversation by stating I WILL NOT BE GETTING MY MONEY BACK. I have NEVER had such HORRIBLE CUSTOMER SERVICE with any credit card company as BARCLAY!!! The other companies have always provided very good customer service as well as do their best to RESOLVE any issues I've had in a way that is acceptable to me-not " can't do anything for you, this is our guidelines we have to work under. '' WORST CREDIT CARD COMPANY EVER WORST CUSTOMER SERVICE EVER They basically stole my {$25.00} even though I paid off my XXXX payment & are applying it to my next bill that is not even due until XX/XX/XXXX18!!! WRONG WRONG WRONG
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

2018-11-17

Miami, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response