BARCLAYS BANK DELAWARE

2018-09-10

Bristol, CT

Getting a credit card

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

Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-10

Ft Myers, 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 just looked into my credit report and saw a bunch of inquires that I didnt allow on my report. I contacted XXXX XXXX to get it fixed and they were no help they told me to contact the companies its self, I did that and then the creditors gave me a run around and then i called back to XXXX XXXX and they said they couldn't help further. I want these inquires that I did not make on my credit report off. They did give me a file number : XXXX Inquires : XXXX BRCLY BANKED XXXX XXXX XXXX ( 3 times repeated ) XXXX ( 2 times repeated )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-10

Leander, TX

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

2018-09-10

Lashmeet, WV

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

2018-09-10

Brooklyn, NY

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
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

2018-09-10

Eatontown, NJ

Written notification about debt

Debt collection: I do not know

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

2018-09-10

Sylvania Township, OH

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 filed a chargeback for my XXXX credit card for a merchant that split my purchase into two charges and then did not deliver what I ordered. I contacted Barclays about the problem and began a dispute. They sent me a letter asking for more information and I sent them the information they requested. Less than a week later, giving no time for mailing, they said we havent heard back so we are closing your dispute. I again responsed with the information they requested and they have not continued the dispute, They have made it impossible to get my money back and screwed up the chargeback and now I want them to refund 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

2018-09-09

Everett, WA

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: Thanks for letting me describe situation. It was regular purchase in XXXX when twenty min later I got notifications through XXXX XXXX app like someone did hard inquiries what I was surprised. I didnt apply for anything. Next day I called to two organizations ( banks ) and they says that they will investigate it and will stop applications process ; I thought is done. But now I got another notification about adding another credit account on my name. Please help to stop it. I dont know why and who is doing that. Even I called companys they still processing fraud applications. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-08

Jonesboro, GA

Incorrect information on your report

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

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

2018-09-07

N Las Vegas, NV

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

2018-09-07

Wallington, NJ

Getting a credit card

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

Card opened as result of identity theft or fraud
Complaint: I received a letter requesting personal information to open a VISA card that I didn't apply for. [ This may be a scam ].
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

2018-09-07

Lannon, WI

Getting a credit card

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

Delay in processing 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

2018-09-07

Fullerton, CA

Trouble using your card

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

Credit card company won't increase or decrease your credit limit
Complaint: Barclays responded to my complaint and sent a letter dated XX/XX/2018 but there is a discrepancy on date which letter was generated and it's authenticity. On XX/XX/2018, I spoke to Barclays representative and confirmed that there is no letter/correspondent being generated or drafted and this can be confirmed by Barclays since all phone conversations are recorded by Barclays. In the letter reason why they lowered credit line was because of 'Utilization of revolving accounts is too high. ' They FAILED to provide details in numbers/percentage of the reasons to lower credit line to support 'Utilization of revolving accounts is too high. ' They have no supporting statement nor they have valid reasons/justification to lower credit line. Once again, only reason why they lowered credit line is because I have made {$8000.00} payment and this is clear violation of Credit Cardholders Bill of Rights and Credit Card Act. If I have made {$10000.00} payment, credit line would have been lowered to {$4900.00}. Barclays do not have clear guideline or justification of why they decided to lower credit limit to {$6900.00}. ***THEIR DECISION IS ALSO BASED ON CREDIT REPORT THEY RAN ON XX/XX/2018 WHICH IS NOT MOST UP TO DATE AND THIS IS SERIOUS VIOLATION. *** Barclays also FAILED to provide what my credit line/limit should be. This is once again, ABUSIVE and UNFAIR credit card practice. BARCLAYS ALSO FAILED TO PROVIDE WRITTEN CREDIT CARD AGREEMENT ( WHICH IS SIGNED BY ME ) TO SUPPORT THE REASON WHY THEY DECIDED TO LOWER CREDIT LINE/LIMIT. Please investigate this serious and intentional violation.
Company Response: Closed with explanation

Timely Response

2018-09-07

Shreveport, LA

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

2018-09-07

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 monetary relief

Timely Response

2018-09-07

Las Vegas, NV

Managing an account

Checking or savings account: Savings account

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

Timely Response

2018-09-07

Lake City, GA

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

2018-09-06

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

2018-09-06

Shulerville, SC

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 have a Barclay card that has been CLOSED for 3 years. I am on a special program for 5 years which I pay XXXX a month via automatic draft. I have not missed a payment in the last 3 years due to me having automatic draft. I received an email because I am an paperless customer that my payment went to XXXX on XX/XX/2018. So I immediately called Barclay and was told that I need to make a payment of XXXX on my account. I was told that the program I am in you have call every year to renew the automatic plan I am in. They said they mailed me the information. I proceeded to tell them that I am a paperless customer and I didn't receive the info only an email of higher payment. The first representatives told me I was 30 days late for XX/XX/2018 and they were reporting it to the credit bureau. She told me if I renewed the the 12 month automatic payment then it wouldn't report 30 days late. I told her I was informed in the past the only way you could be in the five year program is to have automatic draft. I never received anything to renew this automatic draft. I proceed to ask how am I 30 days late if i made a payment on XX/XX/XXXX and it was XX/XX/XXXX. They told me I was past due from 3 years ago which all of my statements I receive says amount due XXXX no more or less. I asked if you were reporting it they not if you sign up for XXXX more months so I did that an made a XXXX payment on this call. I called back and asked can I get the 30 day late payment removed due that this was the only time in 3 years and due to the fact that information was not given to me about my account the way they were claiming. I informed them that I have been approved for a home and I am closing soon and I can not have any late payments and this would result in me and my family being homeless. I was told to write a letter to them which with the time for closing I do no have. I called back on XX/XX/XXXX at XXXX am and asked the Rep XXXX for a letter stating I am on a five year payment program because my lender asked for it. I told him because that Barclay is reporting me incorrectly. XXXX reassured me that the info given was 100000 % incorrect from the previous agents that I was given on the phone and that my account was fine. XXXX also told me that he worked for the company for 5 years and that he can promise on his life that Barclay would not be reporting anything and my account was not reported. He apologized on Barclay 's behalf and took my number for a supervisor to call me because he said it was absurd and shouldn't have happened to me and they were wrong and he repeated all of my info and said he didn't see anything about reporting and the account was perfect and gave me his name and said he was the only Person named XXXX and that he was going to update my notes in my account. After the phone call with XXXX I received an notification from my credit app that Barclay indeed reported me 30 days late. I then called back and was on the phone with 30 different people for a total of 2 hrs that all told me different things. 3 of the 4 told me that XXXX was right and Im fine and to write a letter and I couldn't not speak to the credit department because they don't deal with phone calls. The fourth person said he wasn't sure and that he saw XXXX note and that he would put a request in about listening to the recorded calls. I emphasized again that I will be HOMELESS if this isn't fixed along with my family due to their error. I called the Presidents office at this point and they did an investigation. He called me back XX/XX/XXXX or XX/XX/XXXX and told me that they can not remove my late payments. He apologized and said yes I was told wrong information by all of their employees and that they would talk to the employees about their doing. This doesn't not benefit me only Barclay, to help themselves and future customers not me. He was apologizing and said they could not do anything and said sorry. I yet again said sir its an error on you company behalf. I was told information by 4 different employees and you can not remove one late payments due to the fact of the employees giving me wrong info that my account was current and on time. The 30 day late payment being wrongfully reported resulted in my credit score going down 50 pts with each bureau. Barclay lies will result in me being HOMELESS and not being able to get the home for my family but also not even an apartment that I already didn't renew the lease because of me getting ready to close on the home because of their wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-06

Apopka, FL

Written notification about debt

Debt collection: Other 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

2018-09-06

Ft Lauderdale, FL

Trouble using your card

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

Can't use card to make purchases
Complaint: My credit card company is harassing me with excessive holds on my account. They lock the card before and after every purchase. I feel like they are discriminating against me for some reason because they completely ignore my requests for a credit limit increases, even though I have good credit. I recently changed my address and phone number, so they locked my account again and required me to send in proof of my ID and social, they said my account would be unlocked immediately after they received the documents They received the docs yesterday at XXXX XXXX ( Tracking Number : XXXX ) but i still have not been able to use my 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

2018-09-06

Dubberly, LA

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 monetary relief

Timely Response

2018-09-05

Golden Isles, 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

2018-09-05

NJ

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I'm contacting the CFPB because I was not educated or informed about my legal rights and my original debt is with Barclay 's Card not XXXX XXXX XXXX or XXXXXXXX XXXX XXXX - they sent a letter to my old address on XX/XX/XXXX and I moved XX/XX/XXXX. Just like they know where I work and harass me with wage exectution letters now they knew where I lived. But they mailed it there almost a year later, why? The only reason I contacted them XX/XX/XXXX was to dispute that I don't owe them. I was mislead, misinformed and was unaware of my legal rights with the FTC or CFPB. They have tactics and was around legal laws in New Jersey and I do not think it's fair what they do. I will continue to fight them because the obligation is with Barclay 's Card and not XXXX XXXX - they purchased a debt on pennies on the dollar and they sought XXXXXXXX XXXX XXXXXXXX for legal debt advice to come after me for a debt i don't owe them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-04

Aventura, FL

Getting the loan

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

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

Timely Response