BARCLAYS BANK DELAWARE

2018-11-08

Nyc, NY

Incorrect information on your report

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

Account status incorrect
Complaint: My credit report shows that i have multiple credit inquires which i never inquired about. I called the companies and they dont have any idea on how my credit was pulled. 1. XXXX/XXXX - XX/XX/XXXX 2. Brclysbankde - XX/XX/XXXX 3. Brclysbankde - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX XXXX - XX/XX/XXXX these are the hard inquires that were pulled from my credit report that i never gave permission to do so.
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

2018-11-08

Eastchester, NY

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

Timely Response

2018-11-07

Tulsa, OK

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 contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Borden, SC

Closing on a mortgage

Mortgage: Other type of mortgage

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

Timely Response

2018-11-06

FL

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: can a bank refuse credit based on their own information or do they have to rely on the credit report?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Mcdonough, GA

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

2018-11-06

Smyrna, GA

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

2018-11-06

OK

Improper use of your report

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

Reporting company used your report improperly
Complaint: Barclay 's Card has submitted hard inquiries without proper authorization.. Inquiries were made when a request for a larger credit line were made during the below dates. A hard inquiry was made and I was unaware and did not accept them to do this. This has brought down my credit score. Written requests to Barclays have remained unanswered. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Request all inquiries removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Centennial, CO

Incorrect information on your report

Checking or savings account: Other banking product or service

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

2018-11-06

Cumming, GA

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

Timely Response

2018-11-06

Brewster, MA

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

2018-11-05

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

Timely Response

2018-11-05

Caro, MI

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: I have an auto charge from XXXX XXXX which was {$6.00} a month. On XX/XX/2018 and XX/XX/2018 Barclay received {$6.00}, a total of {$13.00}. So, I had a credit of {$6.00} on my account. Now this credit disappeared on my next statement. I should have had a credit carryover.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-05

Colts Neck, NJ

Fees or interest

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

Charged too much interest
Complaint: I received my statement on my XXXX XXXX XXXX Mastercard from Barclays for Statement Period XX/XX/18-XX/XX/18 with a balance of {$8000.00}. There was an interest charge for {$110.00} on the statement. I questioned the charge because from my previous Statement Period of XX/XX/18-XX/XX/18 which had a balance of {$8500.00} of which I made payments totalling {$6000.00} leaving a balance of {$2500.00} which I figured be subjected to the interest charge. I charged interest on {$8900.00} in the amount of {$110.00}, which I was told is the average of my statement of the year. They told me unless the balance is paid in full each month, you are subjected to interest charges based on the spending average, not the unpaid balance. This has to be incorrect or illegal in my opinion and I am looking for guidance on this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-05

Key Biscayne, 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
Complaint: I previously filed a complaint with the CFPB, complaint # XXXX regarding Fraud on my XXXX XXXX Credit Card with Barclays Bank of Delaware. Even though I had indicated on my text alert replies to Barclays that the charges were Fraudulent, on the very day that the fraud occurred, Barclays Bank allowed them to go through. Where is the protection to the consumer by Barclays Bank? What is the point of a fraud text alert if the bank is going to allow the charge to go through anyway? XXXX from the Office of the President called me in response to my complaint, assured me that the case was still in dispute with Barclay 's .... even though the CFPB closed it due to CFPB rules, and I would not be charged the {$3000.00} that is in dispute. However, as my credit card was on auto-pay, Barclay 's Of Delaware took the amount out of my bank account to pay it, though it was not authorized to do so. XXXX XXXX had assured me on XX/XX/2018 that the matter was not going to be resolved fully until XX/XX/2018 and no monies would be required until he spoke to me. As indicated above, Barclays used autopay on XX/XX/2018 to pay themselves despite the matter remaining in dispute. I am therefore opening a new case to address these issues. This was in direct contrast to XXXX XXXX 's assurances to me that the fraud case was not yet resolved because the bank had not resolved the fraud investigation from the merchant in XXXX that had committed the fraud. We were told that these conversations have been recorded on Barclays recorded line. For the past two weeks, I have left repeated messages and received no calls back until finally, today, XXXX XXXX answered my phone call. He now says that he can not explain what charges were made that add up to the {$3000.00}, other than the fraud charges that were made on the account! I closed the account in XXXX, and the autopay was taken out in XXXX. I feel that Barclays is stalling for time, and promises upon promises of escalating the matter have amounted to no communication. Do they expect the consumer to get tired of a lack of response and resolution of a matter, and just hand over this kind of money that can't even be explained by them? XXXX XXXX told me the money is still in dispute even on today 's phone call, but can not explain to me, or show me any accounting form to explain that I owe this money. There is a serious problem here, and nothing is adding up. I have nowhere else to turn to get a full explanation. Please help!
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

2018-11-05

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 applied and was approved for a XXXX XXXX XXXX credit card which is sponsored by Barclay 's bank. I used the XXXX credit card to purchase excursions on the cruise which were discounted by 20 % if purchased with this particular credit card. For my general expenses, my XXXX XXXX debit card was on file and used for food, drinks and the spa. My ex-husband was also on the cruise and stayed in another room with his mother. He kept his debit card on file with the cruise for his expenses as well. His debit card was used and XXXX XXXX attempted to " force post '' certain expenses onto his debit card but his bank rejected them since he did not have enough funds available in his checking account. Because I have his last name, they forced the charges on my XXXX XXXX without my permission! When I called XXXX, they acknowledge they should not have done this but refused to remove the charges unless he presented them with a valid credit card. I told them not only do I not speak to my ex-husband to make such a request, but this is illegal! They can not just use a credit card they were never authorized to charge for someone else 's charges! XXXX XXXX is clearly committing fraud. I contacted Barclay 's, the sponsor of the card, and while they sympathized and agreed XXXX can not do that they actually told me to get my ex-husband to fill out a form with his credit card number and they can remove the charges from my account! I threatened to sue the bank and report them to the regulators and after fighting with the fraud department they agreed to submit the fraud dispute to mastercard but were unwilling to provide me proof that they would indeed handle this according to the law. The Barclays rep said that if they can not resolve the complaint within 90 days then I will be held responsible for my ex 's charges and should just sue him for it! I am appalled that they are doing this to people and are helping barclay 's commit fraud! i have attached my statement. as you can see I always paid my charges in full except I refuse to pay for charges not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-02

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

2018-11-02

Itasca, IL

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 a Barclays XXXX XXXX card and have three unresolved issues. 1. My purchases at XXXX should be generating 4x points for restaurants however some transactions are only generating 2x rewards for online purchases whereas some are posting 4x points correctly. Customer service claims this is a merchant problem however it does not explain how the same exact merchant and transaction type is posting two different tiers of rewards. 2. I qualify for the $ XXXX/year streaming service reward for meeting a spending threshold. This reward is not being given to me - even though I charge several streaming services to this account, none of them are being credited back and the {$50.00} credit remains unused. 3. The transaction for sling should post 2x rewards for being an online streaming service. In fact, the marketing material for this card specifically lists sling as one of the qualifying streaming services. However, customer service is incorrectly claiming that XXXX is a cable tv service and doesn't qualify for 2x rewards.
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

2018-11-01

CT

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: Between the dates of XX/XX/XXXX and XX/XX/XXXX, My Barclay XXXX Rewards card was used for unauthorized purchases. The credit card was taken from me without my knowledge. Prior to these charges, the card had not been used since XX/XX/XXXX. The card was take without my knowledge or agreement by a minor living in the same residence as me. I disputed these charges with Barclay within the 30 days, of them being billed. It was only after a received a call regarding a payment due, that I became aware that the card had been taken from me. Barclay denied my fraud claim as a domestic issue. I then wrote a formal complaint letter on XX/XX/XXXX to the Senior Customer Experience Manager at Barclay. Barclay then sent a letter, dated XX/XX/XXXX, stating that I communicated account information to another individual and I allowed that individual to use the account. I never gave such authorization for anyone to use my card nor did I provide account information to the minor child to use my credit card account. It was not reported stolen within 48 hours, since the card had not been used for a prolonged period of time and I do not take a daily inventory of the credit cards in my wallet. The card was simply taken and used without my authorization and it should not make a difference who took the card and whether or not they reside in the same household as me. I have attached Barclay 's response to my complaint, which includes all the listed disputed charges, which total {$490.00}.
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

2018-11-01

Arlington, VA

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 monetary relief

Timely Response

2018-11-01

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 monetary relief

Timely Response

2018-10-31

Penn Yan, NY

Other features, terms, or problems

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

Problem with balance transfer
Complaint: The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Key Biscayne, FL

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: DISPUTED ACCOUNTS : Brclysbankde Inquiry from XX/XX/XXXX Bank Brclysbankde Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX RE : Unauthorized Credit Inquiry According to my most recent credit report, your company is currently reporting to the three credit bureaus that I had applied for credit with your organization. I do not recall granting you authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Lenzburg, IL

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: I sent a letter dated XX/XX/18 to Barclaycard disputing late payments and the accuracy of those late payments. I was very detailed in my letter which stated the following " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing the account is being reported ''. I received a letter from Barclaycard that was not dated and stated that the requested statement reprints were enclosed. In my letter I never requested statement reprints. After I received the letter from Barclaycard, I pulled my credit report from XXXX dated XX/XX/18. According to the FRCA section 623 ( a ) ( 3 ), a data furnisher is supposed to contact the credit bureaus on behalf of the customer any time a customer questions a line item that is reported on a credit report, and mark the item as being disputed within 30 days. This account was not marked in dispute. I sent another letter dated XX/XX/18 to Barclaycard detailing that they had not provided proper validation of reporting late payments and requested the late payments be removed. I received a letter from Barclaycard dated XX/XX/18 stating they had completed their investigation and had sent validation on XX/XX/18. I have no letter in my possession from Barclaycard dated XX/XX/18. I pulled my XXXX report again on XX/XX/18 and my account was not marked in dispute. I also sent letters to XXXX, XXXX, and XXXX disputing the late payments of this account and all three credit bureaus reported the late payments were valid, yet my account was not marked in dispute. Please see attachments for all correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Brooklyn, 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