BARCLAYS BANK DELAWARE

2018-11-17

Oxford, GA

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: XXXX has been non-compliant with removing the unverified account BARCLAYS BANK XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that BARCLAYS BANK XXXX was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
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

Bowmont, ID

Getting a credit card

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

Sent card you never applied for
Complaint: I did a credit application to see if I qualify, there was no indication that a credit card would be opened at all. I did this application on XX/XX/2018. They said I was approved but never mentioned I'd be getting a card. This was a timeshare presentation with 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

2018-11-16

Smyrna, SC

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 have an incredibly specific complaint about XXXX XXXX and their " only on this flight '' credit card offers. Now, I've witnessed this from time to time, but I can speak directly to this complaint as I've witnessed 76 ( that's right ... seventy-six! ) times this year alone. How do I know this? Because I've been on 76 American flights this year and every last one of them has offered me an " only on this flight super special once in a never time deal ''! Now, I can appreciate that they want to squeeze as much money out of folks as possible, but ... to lie to consumers literally *EVERY FLIGHT* about this AND to not have any way to opt out of being marketed at in a very aggressive way that you have no way of stopping is completely unacceptable. They claim it's not on every flight, so I must either be the most lucky passenger in the world to have the same XXXX offer shouted and rammed down my throat every time I get on the plane OR ... they're lying to customers and creating completely false advertising. This practice is complete nonsense. You pay a *lot* of money for flights and these folks are XXXX bent on forcing you to listen to their nonsense. What I've found out is they highly incentivize their employees to do this ( even when they're not supposed to ) to hawk these products and XXXX the customer experience and the honesty of the pitch! Heard this directly from a flight attendant who was traveling next to me on a plane. What can we do to stop dishonest and captive marketing like this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-16

Grand View, ID

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: I was called by a customer service representative on XX/XX/2018 regarding one of my credit card accounts through Barclay Bank, and was told that someone had requested a new card be sent to me at an address that is different than my current mailing address. This representative had information at the time regarding current and pending transactions that are unusual on my account, and did not notify me of those charges, and neither did this person make any attempt to transfer me to the company ; 's fraud department and a representative there despite several actions of unauthorized activity. I called them back on XX/XX/2018 and also logged into my account online to find several discrepancies. This has happened in the past with this company despite me changing my username and password several times, and setting up additional security features through their login process. I also asked a representative at some time in the past if I could set-up a verbal password, because I thought that I had one set-up and a different customer service representative told me that that is not something that they do, but with my call yesterday, they prompted me to do so. I find these actions to be negligent of their legal duties in operating a financial business, as well as completely unethical in failing to notify me of fraudulent activity in a timely manner.
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

2018-11-16

Other features, terms, or problems

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

Problem with rewards from credit 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

2018-11-15

Glendale, CO

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
Complaint: Over the summer I was 90 days behind with Barclay Card. I paid the full minimum due to bring the account current. A month later I decided to enroll in a third party non-profit debt counseling program. I was rejected. It took my a dozen phone calls to find out why I was rejected. I was then told there were no financial assistance options available to me. SEVERAL agents told me I had to go delinquent again in order to have any offers. This is an unfair business practice to disadvantage the average consumer. How dare you tell a client to not pay you for a while and then I'll give you an offer. I am now 90 days late and have been offered a 75 % off. I told them I would only take that offer if they would put in writing they would remove the late payments as I was told to go delinquent. They will not work with me. I left a voicemail for the Barclay 's Card office of the President at XXXX because no one answered the phone when I called. I spoke to the general customer service line and I was told the offers are computer generated. The system analytics take in to account when the account was opened, how long it was open, the balance, usage, etc. Isn't that interesting? Other companies will take offers and will remove late payments on the credit reports. As a reminder of the Fair Credit Reporting Act ( FCRA ) the creditors create and control the data and push it to the credit bureaus -- -the CRAs just hold the data and do as you say, when permissible, under the FCRA as applicable. Note I do have telephone audio recordings available, though I have not removed PII from the recordings. However, data is cheap I'm sure you have all my calls??
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

2018-11-14

Val Verde, TX

Incorrect information on your report

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

Account information incorrect
Complaint: Collections does not seem valid for the specified card yet continuous calls despite the explanation provided to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-14

Fleming, GA

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: On XX/XX/18 I purchased an XXXX computer ( {$13000.00} ) advertised as qualifying for 24mos. with 0 % interest. This was handled through Barclays bank. The computer was shipped to me on XX/XX/18. I had set up the Barclays account to autopay the minimum payment each month. Today, XX/XX/18, I received notice my payment was due and took the opportunity to look up the online statement to see when the promotional rate expired. To my surprise and dismay I found that the promotion was valid ONLY if the purchase was made within 30 days of opening the account, which it was. However, as XXXX didn't ship ( or bill ) the unit until XXXX, XXXX XXXX bank claims that it did not qualify for the promotion. When I contacted them to discuss this they refused to discuss this and took the position that it is their policy. In effect it was IMPOSSIBLE to take advantage of the promotional rate as XXXX was unable to deliver the computer within the 30 days as it was a brand new model. Receiving notice that this was going to exclude me from qualifying for the promotional rate would seem to be the honest and forthright way to handle this matter. When I spoke to Barclay 's their position was too bad, that is their policy. I feel this was a deceptive trade practice and would appreciate your assistance.
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

2018-11-14

Long Beach, CA

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

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

Problem with personal statement 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

2018-11-14

Pulaski, MS

Incorrect information on your report

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

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-13

Brooklyn, NY

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 Have Called XXXX XXXX and told them about my problems even paid off balances on these two card that where opened on my name fraudulently by my ex Wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-13

Foothill Ranch, CA

Getting a credit card

Credit card or prepaid card: Store credit card

Delay in processing application
Complaint: On XX/XX/18, I went to the XXXX store to purchase a laptop. I asked the XXXX employee if there were any 0 % interest payment options. The employee advised that I could apply for the Barclaycard Visa with XXXX Rewards. I applied for the Barclaycard and when I used the Barclay/XXXX portal ( XXXX XXXX XXXX ) to purchase a laptop on my new line of credit it said that there was an error with the page. ( This error continued for the next 3 days ). Since I needed the laptop the employee said I could purchase on a different card and return it and purchase it back on the Barclaycard. I contacted customer service to re-confirm that this is true. However, I later read the return policy and discovered that there would be a 25 % restocking fee on the {$2400.00} laptop, which was never disclosed by any employees. Since there was an error with the Barclay/XXXX website and I was unable to purchase a laptop on the Barclaycard I applied for I suspect that many consumers are running into this same problem. I am looking to have this credit application removed since I was unable to use the new line of credit as the XXXX employee explained would be possible. I contacted Barclay customer service representative on XX/XX/18 and the woman explained that she was not a Credit Bureau agent and could only close the account and could not do anything further.
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

2018-11-12

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 opened a XXXX XXXX XXXX account with XXXX XXXX XXXX that offered a fixed rate of about 4.5-5 %. I used and held this card until the present day. I still have the card but it is no longer with XXXX XXXX XXXX, no longer a fixed rate, and currently a variable rate at 8.24 %. The credit card account is now held by Barclaycard, is an XXXX XXXX MasterCard, and is a variable rate based on the Prime. I am uncertain when the fixed rate became a variable rate and have not been provided any details as to who made this change, when it happened, or why. Although I still hold the card, I have not used this card in years. The balance is based on purchases made when it was set at a fixed rate, however, I am charged higher fees on money that was originally borrowed on a fixed rate. I have never defaulted on any payments, have always paid my balance on time, and have always paid the minimum rate or more. At some point, Barclay Bank took over my account. I called Barclay Bank in XX/XX/XXXX to ask when my terms and conditions changed with regards to my fixed rate and became a variable APR card as I noticed a significant increase in my percentage rate, and it was continuing to rise. The rate was 6.24 % on XX/XX/XXXX, then in XX/XX/XXXX became 7.24 %. The XXXX phone call notes state that a request was sent for the information of my terms and conditions that would help explain this change, but I do not recall receiving the information. I called again on XX/XX/XXXX to see about lowering my APR as it was continuing to slowly increase and to try to question again why and when the original fixed rate had changed. I also question how the bank could charge me a higher APR on money that was previously borrowed on a fixed rate. I was not given an acceptable answer. I called on XX/XX/XXXX and finally on XX/XX/XXXX. The following information includes details of this most recent phone call with both Barclaycard and XXXX XXXX XXXX banks. My first phone call was to Barclay Bank on XX/XX/XXXX. I called XXXX. Barclay claims that my card had a change in terms and conditions in XXXX. Barclay claims this took place while XXXX XXXX XXXX was still holding my account. I requested a copy of the letter that explains why my terms and conditions changed, and I was unsuccessful with this request. Barclay claims they are unable to find any information regarding terms and conditions prior to XXXX and they do not have any information regarding the previous account from XXXX XXXX XXXX. According to Barclay, it is due to this change from XXXX XXXX XXXX in my terms and conditions that my fixed rate changed to a variable rate in XX/XX/XXXX. When I asked Barclay to provide me the information as to why this change took place, who made this change, and when was I notified about it, they were not able to provide me an answer. Instead, they stated that since the terms and conditions most likely changed with XXXX XXXX XXXX, I should contact them and ask them for this information. Next, I called XXXX XXXX XXXX at XXXX and spoke with someone in the Security and Fraud department. It was communicated to me that all of my past credit card information was sent onto Barclay Bank when they took over the account and that the information I am requesting should be in the archives. She also stated that XXXX XXXX XXXX would not have changed the terms of a fixed rate card. My husband still has a credit card account from XXXX XXXX XXXX and it still holds a fixed rate of 4.5 % so I have no reason believe her statement is not true. Since XXXX XXXX XXXX does not have any information on my account any longer, the woman I was speaking with offered to contact Barclay on my behalf to explain where they should go to look for this information. I accepted this offer, she made contact, and explained to Barclay what to do. After she got off the phone, the gentleman I was speaking to from Barclay explained there was no information in archives or anything with previous account information and then made a comment that there were no terms and conditions on file what-so-ever for this card. I questioned this comment stating I currently have a card with this bank and I am looking at my most recent terms and conditions paperwork as we speak. Then he explained he has no information on my account previous to XXXX. I spent 49 minutes on this phone call alone. Based on this information, I feel like I'm getting the run around, I question if Barclay is providing false information, and I still don't understand why I am getting charged more money on money borrowed when it was purchased on a fixed rate. My husband contacted CFPB on my behalf to begin this 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

2018-11-12

Royal Palm Beach, FL

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-12

Oxford, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Received several alerts starting XX/XX/XXXX stating that several inquiries have been hitting my account that I have not authorized.
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

2018-11-12

San Diego, CA

Incorrect information on your report

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

Public record information inaccurate
Complaint: I went to XXXX XXXX and was invited to a timeshare venue. I was enticed to buy in on a timeshare but was told my credit had to be ran first since I didn't want to put any money down. I asked how long would this be on my credit report and was told if I didn't qualify they'd remove it instantly or it would fall off in a few months and to give them a call if it was not removed. I didn't qualify to buy in with no money down so I left with no timeshare and again was told that the inquiry should fall off in a few days if not a few months. To date it's been over a year ( 15 months ) and the inquiry still shows on all three credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-12

Glendale, CO

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Hi, i have been checking my credit report recently and i went to the section where the hard inquires are and i have no idea what this one is. it is " Brclysbankde '' Inquiry from XX/XX/2018 Nor do i remember doing anything around that date with said merchant. My family and i have been involved with someone getting into our credit account and i think that maybe what had happened here. I have no recollection of this And i am in the process of repairing my credit and i wouldnt just " apply '' to anything, especially with a score so low. I know derogatory remarks can stay on the report for a while and i dont want this one thing that i didnt do hold me back for apply for an apartment in the summer time. I tried to contact XXXX XXXX, havent heard back. so i escalated this situation with you guys. I only ask if you can please remove the derogatory mark from my credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-11

Baton Rouge, LA

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

2018-11-10

White Mills, PA

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/2018 I submitted a complaint against Barclays Bank Delaware for not reporting 5 months of payments to the credit reporting agencies. I received a letter from the office of the president which basically said they have received my payments but did not explain why they were not reporting my payments. I have once again obtained a copy of my credit report and I have made two more payments to Barclays without any account update to the 3 credit bureaus. I called on XX/XX/18 and was disconnected from someone in the collection office. Then when I had called back 5 minuets later the office was magically closed. Barclays is violating my rights as a consumer and improperly reporting payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-10

Philadelphia, PA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I have the following point denominations spread across three versions of the Barclays XXXX Rewards Visa : XXXX XXXX XXXX Together, I should be able to redeem XXXX out of these XXXX points for an XXXX gift card. However, Barclays offers no way to combine these points. XXXXXXXX XXXX 0 % financing is only good for the first 30 days after account opening, so you are incentivized to open a new card every time you purchase an XXXX product.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Katonah, 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
Complaint: I have been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX on XX/XX/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

2018-11-09

Arlington, TX

Fees or interest

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

Charged too much interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

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 monetary relief

Timely Response

2018-11-09

Reidsville, NC

Incorrect information on your report

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

Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Berkeley, CA

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

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

Their investigation did not fix an error on your report
Complaint: To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response