BARCLAYS BANK DELAWARE

2018-10-31

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 joined an XXXX business on XX/XX/2017, I have put on this card many charges from " XXXX '' from the initial sign up to many coaching programs. and other fees involved. On XX/XX/2017 I used my BARCLAYS card to purchase a XXXX program. The purchase was split between BARCLAYS card and another CC. The total was for {$25000.00}. I put down on this card $ {$10000.00} and {$3700.00} on XX/XX/2017. When I signed up for this program I was informed that I should be in contact with someone within 2 weeks to start my XXXX. I sent numerous support tickets and 3 phone calls and a few e-mails before I was finally contacted in XX/XX/XXXX and was suppose to start as soon as I got a XXXX. I only got in touch with my XXXX finally in XX/XX/XXXX. We had ONE XXXX call to finally connect and the call was DISCONNECTED and the XXXX never called me back. I tried several times to contact him, and others that that were involved in this process. I have attached all the information I sent to Barclays when I filed my dispute with them. I sent several e-mails to people in the company to find out what was going on and if I could not get this service I would like to cancel and get my money back. I never received and return call or e-mail from anyone all the way till XX/XX/2017. Other charges were for upgrading the level of the business, and monthly fees for other trainings that were offered with monthly subscriptions that were mailed home with cd trainings on how to improve your business. Well on XX/XX/2017 this company was shut down by the FTC. So now there is no way for me to ever get these services since the company was shut down for FRAUD. All the training sites were shut down we have no access to them any longer. I contacted Barclays and filed a disbute and they told me the charges would not be able to refund and the ones the they did were only a certain percentage.
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

Key Biscayne, FL

Getting a credit card

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

Sent card you never applied for
Complaint: I received at least 1 XXXX XXXX MasterCard (Barclay issued a card with one number XXXX XXXX XXXX XXXX)) that I never applied for. I then received a statement from XXXX XXXX MasterCard (different account number XXXX XXXX XXXX XXXX) with a balance of $XXXX apparently charging me for expedited delivery (which I did not receive) of the card I did not request!! I have been trying for the last day (XX/XX/XXXX-XX/XX/18) to reach anyone at XXXX XXXX MasterCard to rectify the matter (close the account(s) and remove the fee). They are apparently having some issue with their computer system and cannot access my account (an actual human being told me this) and therefore they have not been able to address this matter. My only prior contact with XXXX XXXX was purchase of a ticket for airline travel that I never completed earlier this year. I find it utterly unacceptable that first, this company does not protect its data such that credit cards are fraudulently issued (perhaps more than one) and second they do not provide a means of addressing these matters immediately even if their computer system is having issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Clarksville, MO

Communication tactics

Debt collection: Credit card debt

Frequent or repeated calls
Complaint: I gave them permission to speak to my mother regarding my account ( she is helping me get out of my debt and they asked for her phone number for their files. Well, Friday XX/XX/2018, they called her 10 times! She is not on the account as an authorized user, she is just authorized to discuss the account. I told them she would call them and that they are not call her. The whole time they were calling her, they were also calling my number multiple times. They started call her again yesterday morning and before XXXX they had called her 3 times as well as calling myself!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Clinton, MS

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

2018-10-30

WI

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/2018 I submitted a balance transfer online with XXXX. It was to transfer {$6000.00} from Barclays or barclaycard to XXXX at 0 %. The transfer has not happened yet. I called XXXX first who stated that they first tried to do the transfer electronically but that Barclays rejected it so they had to send a check. Barclays has done this to me before with another transfer a couple years back. XXXX then sent a check on XX/XX/18 which has not yet posted either. I called Barclays and they claim they never rejected the electronic transfer and have not received the check. It does not take a week for first class mail. As a result, I have a past due payment at Barclays, the past due fee put me over my limit which is another fee, and the card is shut off. Clearly Barclays intentionally delays transfers and did this one to mete our revenge and get as much last minute money as they can before the balance goes away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Nyc, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: Hello, How are you? I recently went on XXXX XXXX to check my credit score, specifically XX/XX/18 around XXXX EST. I saw an outstanding debt from Barclays Bank Delaware for around {$460.00} that I do not recognize. The credit card account is opened on XX/XX/2018. I have not travelled outside of NY state in the year 2018 from XXXX to XXXX and have never opened up this credit card. I have never received calls or statements from this bank regarding these outstanding balance. Since I also found another unrecognized credit card opened with outstanding debt from XX/XX/2018, I believe this mistake is the result of identity theft. I have since filed a report with Consumer Financial Protection Bureau and will be filing a police report with local XXXX. Please help resolve this dispute. Thank you!
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

2018-10-29

Wakarusa, KS

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 purchased two flight tickets with my XXXX XXXX XXXX from Barclays for $ XXXX, and the charge back process at Barclays is totally a failure. The tickets were from XXXX XXXX. The flights were terribly delayed for several hours and it was delayed for twice as long. Upon entering the cabin, the flight crews can't get roster right, and that caused over half hour delay in the jet cabin on ground. I started a chargeback, and Barclays refused to investigate first, with the sole reason as the flight was flown. I refused to accept the careless decision and I followed next steps for dispute. Now Barclays refuses to honor the chargeback with a ridiculous reason that I was on 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

2018-10-29

Franklin Lks, NJ

Trouble using your card

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

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Las Vegas, NV

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have a hard inquiry from Barclays bank on XX/XX/2018 but I haven't applied for any credit cards or loans with this company. I already contact the credit bureaus and placed a fraud alert on my credit report. Please remove this fraudulent hard inquiry from my 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

2018-10-29

Ft Myers, FL

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Vicksburg, MI

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

2018-10-29

Sebring, 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: I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Brclysbankde XX/XX/2017. I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
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

2018-10-29

San Jacinto, CA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: I opened an account with XXXX XXXX XXXX in XXXX. I was charged a {$95.00} annual fee for the card in XX/XX/XXXX for the following program year to XX/XX/XXXX. Barclay 's advertised as one of the key selling points of the card that spending to a certain threshold would yield an equivalent {$3000.00} credit with their co-brand partner, XXXX XXXX. In good faith, I paid the annual fee to Barclays in XX/XX/XXXX and began charging spend to the card to reach my goal by year-end. Less than 3 months later, they have removed this benefit with no consideration for the year I have paid a fee. Barclay 's refuses to refund any portion of my annual fee while I am attempting to close the account.
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

2018-10-29

Anaheim, CA

Other features, terms, or problems

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

Problem with balance transfer
Complaint: I kept receiving balance transfer checks from XXXXXXXX XXXX. I finally use one to pay off Barclay Frontier Master card. I didn't realize my limit on XXXX was {$1800.00}. I wrote a check for {$1800.00}. Barclay tried to submitted check twice. I was charges a {$27.00} NSF fee. I called Barclay to explain the situation and went online to change the amount to be taken from my checking account from {$1800.00} to {$490.00} because XXXX XXXX did a balance transfer over the phone. So I get a text from XXXX that my account is overdrawn making my balance XXXX. When I went online to change the amount. I didn't even owe on the account to Barclay. So they took out the {$490.00} and {$1800.00} and they will receive another {$1700.00} from XXXXXXXX XXXX. They will not refund the NSF fee of {$27.00} and now they have been over paid on my Barclay amount. I know it is my stupidity to use credit and balance checks but Barclay has been over paid. i have excellent credit. I also want to make a complaint to XXXXXXXX XXXX as well for sending me balance transfer checks to make sure use them. They will not reverse the transfer even though I told them Barclay XXXX out my account and their balance is paid in full. the supervisor I was talking to hang up on me and when I called back to ask for her name XXXX would not give it to me. I am so frustrated on the system. I was just being a smart customer to pay off my debt but I am being penalized for using credit card. I know there is nothing that will be done because you will say I am just a XXXX person for using credit cards and transfer balances. I don't think it is right on how I was treated by Barclay and 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

2018-10-29

Lenola, 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

2018-10-29

Lafayette Hl, PA

Incorrect information on your report

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

Account status incorrect
Complaint: On XX/XX/XXXX I realized I had a {$40.00} balance charged into my account as an annual fee. At this time, Barclays had not notified me of any pending balance in my account. I have not received statements on email, mail, mobile app, or text message as a notification of a balance due. On XX/XX/XXXX, I talked to Collections agent at Barclays # XXXX whom I asked about my email and she said that it was incorrect. Barclays has an XXXX email that I have not used since XX/XX/XXXX. This person was very rude to me as she interrupted me and would not let me explain correctly that this balance was an annual fee and not revolving credit. I had paid off this account before an annual charge of {$40.00} was put on my account. On this date of XX/XX/XXXX, I had to hang up the phone because I was driving and this balance had not been reported to the credit bureaus yet. I also paid the {$40.00} annual fee on this date. On the next day, credit-reporting agencies had notified me of a negative mark saying I missed payment. I believe that Agent XXXX submitted a request to an internal department at Barclays to report me as delinquent. At this point Barclays had not given me, nor this agent, the chance to pay off the annual fee of {$40.00} without reporting a negative mark to the credit bureaus. I am complaining against this agent and to Barclays for not notifying me or giving me the chance to pay this annual fee on time. Agent XXXX was rude to me, interrupted me during our conversation, and talked back as if I was nothing. Barclays customer service practice is detrimental to clients and average people like myself. I believe this agent, in retaliation, submitted a request to report a negative mark to my credit report without explaining the policies or providing me information so that I could understand the process not receiving statements or notifications via web, email, mobile app, text message, or phone call. This practice is one that most banks are good at except that Barclays do not seem to care about clients and customer service agents like XXXX are allowed to be verbally and mentally abusive. I called today XX/XX/XXXX and spoke to XXXX, agent # XXXX, and she stated that I could send this letter by fax or email. After she reviewed my account she stated on a recorded line that Barclays does not have a fax number to receive an FCRA Dispute Letter. That it can only be received by mail. Again, it feels like I am being misdirected to disputing this as a way to slowdown the process or prevent a person with XXXX from being able to do this on a timely fashion. It is also costing money and time to send a mailing letter. I am concerned that for immediate disputed there is no fax number. I have been on work XXXX since XX/XX/XXXX due to several acute conditions arising from XXXX XXXX XXXX surgeries that I can provide documentation for. I have been under the care of XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX at the XXXX XXXX XXXX XXXX for these condition since XX/XX/XXXX. I have strict limitations from going online and looking at a computer monitor since I am highly susceptible to XXXX XXXX and might triggered XXXX XXXX I am still on XXXX and was on XXXX on the dates of this incident. At this time, I am requesting to remove all negative marks from missed payment reported on XX/XX/XXXX. I had paid off this balance on XX/XX/XXXX. Please remove all negative at all major credit bureaus including but not limited to XXXX, XXXX, and 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

2018-10-28

Finksburg, MD

Getting a credit card

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

Delay in processing application
Complaint: Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). I have more than 700 credit score and I have other multiple credits cards with XXXX XXXX XXXX and XXXX. However, Barclays is repeatedly denying my application. After talking to them, they said I do not have a cell phone, so they can not accept my application. I have provided them my SSN, my full credit check and my address. They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-28

Milwaukee, WI

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: I am not disputing money owed on the account. XXXX XXXX master credit card automatically enrolled me in paperless statements and did not receive a paperless statement. I did not consent to enroll in paperless statements. Sent my wife a credit card due to Wisconsin Law- I am a Delaware resident. Never sent me a paper statement to address on file. Hit my credit report with a miss payment. Credit card company acted on its own behalf and did not send a bill. The paperless statement did not go to a e-mail address either. I had no ability to receive a bill. Credit card sent a credit card to my wife. My wife was unable to set-up account for direct payment My credit score went from a XXXX to a XXXX when going to buy a home mortgage. Late fee of XXXX is being removed. {$79.00} Annual enrollment fee is being removed and causes closure to the account,. Reference number XXXX. They were unable to remove me from paperless statement or send me a confirmation at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

Reidsville, NC

Other features, terms, or problems

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

Problem with customer service
Complaint: Barclays took a XXXX payment out of my checking account on XX/XX/XXXX. I saw it on the XX/XX/XXXX, I did not have the money in the account so my bank charged me XXXX. I called Barclays and told them of the mistake it was suppose to be XXXX and that to correct the problem. Barclays also charged me XXXX for the return funds because the XXXX was not in my account but the XXXX was that they were suppose to take. XX/XX/XXXX They again tried to take out the XXXX after I called them on the XX/XX/XXXX and told them it was a mistake. Again my bank charged me XXXX fee for the over draft and I am sure they are going to charge me another XXXX. They told me they were not going to try it again but did not offer to fix the issue that happened yet again after I called on the XX/XX/XXXX and specifically told them it was a mistake. They should NOT have the right to keep trying to take XXXX out of my account. The card I am referring to from this company is not listed it is a XXXX XXXX XXXX world card. Website is https : //cards.barclaycardus.com/
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

2018-10-26

MA

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 6 unknown inquiries that are appearing on my credit report that I didn't authorize. I'm a victim of identity theft. I did not know of any of these inquiries. I've included my identity theft affidavit. I've also sent a copy to my police department. I've listed them below. XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-26

MA

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: In XX/XX/2018, I noticed that my Barclays XXXX XXXX card had many charges that I did not recognize. I asked my wife and she said she didn't make those charges. In any case, she has her own XXXX XXXX Card. I then called Barclays immediately to report the issue. At that moment, we went through all the charges that were fraudulent and they said they would do an investigation. After that call, I followed up periodically about 3-4x and each time they said the investigation was ongoing. I had multiple conversations on ( XX/XX/18 ) and Barclays took the stance that since this is a chip card, there was no way that I and someone else could be using the card unless I gave someone authorization to do so. That does make sense. I then asked them about a new card they issued me in XXXX. They said, " well you called claiming fraudulent charges then so we issued you a new card. '' I replied with, " can you review that inquiry please? '' After reviewing that inquiry, they noticed that they offered me an upgrade so they issued me a new card. Hence, I did not call about fraudulent activity in XXXX. I then asked them if there was a possibility that two cards were active during the same period because I can say for certain that I was using my card during this fraudulent period. They said that this couldn't happen. I don't believe this because I'm seeing charges from merchants that I've never been to ( XXXX, XXXX XXXX, XXXX, XXXX ). There are days that I buy gas for my automobile in XXXX, MA and this fraudster was buying gas at XXXX XXXX XXXX XXXX the next day. I only have one car and use one car. They are not willing to investigate further and have told me that I should have went to the police. I totally get that I should pay for these charges if I made them, but they aren't doing any work to figure out if it was me. They simply say, " we believe you made these charges. '' Truthfully, I spend over 50,000 a year on my card. I didn't make these charges. They also have a Fraud Guarantee but they aren't working with me to absolve these issues.
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

2018-10-26

Gilbert, AZ

Incorrect information on your report

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

Account status 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

2018-10-26

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

Timely Response

2018-10-25

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 monetary relief

Timely Response

2018-10-25

Watkins, CO

Incorrect information on your report

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

Account status incorrect
Complaint: Since XX/XX/XXXX and until XX/XX/XXXX, I had been involved in a debt management plan with XXXX XXXX XXXX for several credit cards. This program was completed successfully by me in XX/XX/XXXX. My consumer report displays delinquent account data for only one creditor ( Barclays ) for a time period where I was involved with this plan. I had made all payments on-time as a direct draw from my account, and to my knowledge had not missed a disbursement to the credit counseling service. Further supporting this, is that none of my other creditors reported a delinquency of any kind, only Barclays. I attempted to resolve this situation initially with the XXXX XXXX XXXX. The representative stated that she was unable to gain any additional information about how this could have happened, and sat on hold with Barclay several times for an answer to no avail. Further complicating this issue regarding records, XXXX XXXX XXXX was acquired by another company ( XXXX XXXX XXXX ) during this time. I personally contacted Barclays to resolve the issue, and the representative was not able to assist and suggested I open a dispute with the credit bureaus. I did this as advised, and nothing positive resulted, just that they believed the information was correct and that was the end of it. No one will coordinate on my behalf to resolve this situation, and no one is willing to provide their proprietary information so that I can move forward with other repair actions. I have no idea how this missed payment occurred, and only for one creditor, when I made all of my payments on-time. No one is able to provide me answers, yet I have 6 months of 30 day missed payments for Barclays, which has absolutely devastated my credit reports, and caused me severe financial harm. This is my last attempt at recourse before I begin legal action with both companies. If it was a mistake on the part of either of these organizations, I require that these delinquent payments removed from my credit reports as quickly as possible to restore my financial well-being. However, if I was truly at fault, I would like to see evidence of it and how it occurred, as my payments were managed by a third party the entire time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response