BARCLAYS BANK DELAWARE

2018-09-04

Jersey City, NJ

Fees or interest

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

Problem with fees
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

2018-09-04

Anaheim, 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
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

Desoto, TX

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

2018-09-03

Orlando, FL

Other features, terms, or problems

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

Add-on products and services
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

2018-09-02

Lafayette Hl, PA

Incorrect information on your report

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

Account information incorrect
Complaint: On XX/XX/18 I received a notice from XXXX app that my XXXX score droped from XXXX to XXXX. The allege cause for this drop was due to a high balance in my Barclay credit card account. According to the contract terms I have with Barclay service ; my due date is the XXXX of every month and they report to the CRA the XXXX of every month. On the XX/XX/2018 my account balance was XXXX. Barclays representative refuse to give me a copy of the requisition allegedly sent of XX/XX/XXXX nevertheless, XXXX representatives told me it was not sent untilXX/XX/2018 ( at the time balance had changed due to my usage ). My FCRA rights were violated by Barclay causing an adverse affect on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-02

Norcross, 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

2018-09-02

Swiftwater, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: On XX/XX/2018 someone tried to make an inquiry using my name and information. This was not authorized by me and was fraud. I had called the lender XXXX and the explain the situation they said there customer service team said they would kindly remove the hard inquiry since it was not authorized by me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-02

White Mills, PA

False statements or representation

Debt collection: Credit card debt

Indicated you were committing crime by not paying 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

2018-09-01

Medford, OR

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

2018-09-01

Finksburg, MD

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

Timely Response

2018-09-01

Saint Louis, MO

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

2018-09-01

Lewisville, 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
Complaint: XX/XX/XXXX I wanted to book 2 rooms for XX/XX/XXXX at the XXXX XXXX XXXX XXXX thru XXXX XXXX website. Completed one request and when I did not receive a confirmation page showing it was booked. I did not want to go forth with the second room because I couldnt be sure if the first one went through. XX/XX/XXXX, still no confirmation, I called the hotel, they stated because I made the reservation through a third party, they would not have been the ones to send the confirmation, but they did not have a reservation for me and if there was no hold placed on my credit card, ( there was not ) the room was not booked. XX/XX/XXXX I then made 2 reservations and received two confirmations ( XXXX & XXXX ) along with two trip Numbers ( XXXX & XXXX ) With a note staying if I was calling the hotel use the confirmation number, if I was calling customer service to use the trip number. On XXXX my travel plans changes and I cancelled both trip numbers using ( XXXX & XXXX ). To cancel they asked for trip number. I received two cancellation emails. On XX/XX/XXXX since my travel plans had changed, I arrived in XXXX XXXX and woke up to several text messages from my credit card company, because XXXX XXXX XXXX XXXX had charged my account {$150.00} on the same night, I had a hotel charge in XXXX XXXX, so they are assuming Fraud. This is when I realized a few things 1. The original reservation was placed ( even though I would have no way of knowing this based on information above ) 2. When you make a reservation with XXXX XXXX XXXX, you are really booking through XXXX 3. XXXX XXXX, stated on XX/XX/XXXX, they never received the cancellation for the two ( that I did cancel ), I would have to call XXXX ( they didnt know it was XXXX either ) to have them fax the cancellations, because they have to charge for no show fee. They also proceeded to tell me, that its up to the Third Party to provide a confirmation, and they could not tell me why someone at XXXX XXXX, did not see the reservation when I called on XX/XX/XXXX. XX/XX/XXXX the women I spoke to ( XXXX ) confirmed she did in fact have two cancellations that she could fax over to the hotel, while I held on the line. Then we discussed the reservation for which I never received a confirmation. She asked me to hold and she would provide this information to a manager. She returned to the call and stated she was sorry that happened and she would provide a credit. I was then placed on hold again for about 5 minutes. When she returned she said she could not credit me, because XXXX did not actually charge me, XXXX XXXX is the merchant that charged me. I would have to dispute the charge with my credit card company. I did just that, I called to dispute the charges and provide the full story to the associate. ( I should have followed my first mind and wrote a letter, but didn't ). I advised that XXXX said they were going to send two cancellation faxes to XXXX XXXX, but I was concerned about the other charge that I had no confirmation number in order to cancel, and this was not my error. Here is what Barclays did : 1. On XX/XX/XXXX Sent 3 letters one for each claim, advising they were investigating. 2. On XX/XX/XXXX Sent 3 letters each stating XXXX XXXX issued a credit for XXXX, XXXX and XXXX. The letter also indicated we consider this dispute resolved in your favor. Move to XX/XX/XXXX. XXXX I receive a call from Barclay with the following information : 1. XXXX XXXX has provided a response that they are not responsible for sending out confirmations and since the room was never cancelled they will not take the responsibility for the no show fee. 2. Barclay has no other choice but to charge the fee back to me 3. I can dispute this charge with the Third Party ( who never actually billed me ) 4. They are unable to dispute the charge with XXXX or XXXX, because they are not the merchant 5. They will be sending me a copy of the note from XXXX XXXX to use if I want to re-dispute this claim. 6. They are sorry they sent me a letter back on XX/XX/XXXX saying it was already taken care of, but they will be billing the charge back to my account within 24 hours. At this point I am angry, because, Im driving and cant really concentrate on whats happening, I asked for the Executive Office number, because, Yes, I plan to re-dispute this claim. However, when I get home, I realize that Barclay also has some culpability in this whole mess as well.
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

2018-09-01

Grovespring, MO

Fees or interest

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

Problem with fees
Complaint: Barclay card was charging me {$37.00} returned fees for the payments which I didn't make. I made my payments from my bank and they did go through every time. On a top of that they fraudulently were making payments from another closed account and charging me {$37.00} fee. The customer service representative XXXX with a very low voice was the worst, I never had such a bad customer service in my life.
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

2018-09-01

Farmington, UT

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

2018-08-31

Las Vegas, NV

Closing your account

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

Can't close your account
Complaint: I was trying to use my card while travelling and it was blocked. When asked to confirm my identity, they said my responses were incorrect. For example, my mother 's maiden name. Which hasn't changed for her entire life. The responses I gave are 100 % correct, but the data they collected from " public records '' was incorrect. I was then asked to prove my identity because they obtained incorrect data. Not only was I stranded without a travel card, but I was denied to close my account. According to their security department, their methods of collecting data was not by my own submission but from a third party. I was asked to send copies of my Driver 's license, Social Security card and bank account statements. I refused and the poor customer service ensued. I have impeccable credit ( score of XXXX ), I have never had any problems with verifying my identity when asked. My mother 's maiden name has never changed and the other answers were correct as well. Barclay 's simply refused to listen to the fact that the data they are using is incorrect and instead has blocked the account. I simply just want to pay my balance in full and close the account. The said they would not close my account. I feel it is a fraud risk to have to send copies of my identification, social and bank statements in the mail or by email. Especially with a company I do not wish to have my data anymore. And that does not have the technology to pull the correct identifying data for their clients. Instead of admitting theor own errors, they put the burden of proof on me.Submitting these documents is not common practice. I refuse to put at a higher fraud risk
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-30

Northridge, CA

Fees or interest

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

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

Timely Response

2018-08-30

Saint Charles, MD

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-08-30

Ind Hbr Bch, FL

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

Timely Response

2018-08-30

Washington, DC

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

2018-08-30

Penn Yan, NY

Fees or interest

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

Problem with fees
Complaint: On approximately XX/XX/XXXX I attempted to perform an on-line balance transfer to XXXX XXXX Credit Card. The screen displayed the transaction was unsuccessful. I contacted XXXX XXXX and spoke to a young lady. I asked if the balance transfer was successful, and was told no. I asked if there was a 0 % balance transfer, and was told no. I told her that I did not want to transfer anything, and asked her several times to confirm there was not a balance transfer made. After time passed ( approximately 1-2 months ) I received a bill showing a {$20000.00} balance transfer. I immediately called and spoke to a Floor Supervisor named XXXX ext XXXX XXXX. XXXX confirmed the balance transfer showed it did not go through. XXXX told me she would speak to her supervisor to have this the transfer undone. XXXX and I spoke regularly about this option, but nothing was ever done. I spoke to many supervisors, who all said the same thing, the transfer should not have happened because I did not authorize it. I spoke to XXXX ext XXXX, XXXX ( pronounced XXXX ) and finally XXXX onXX/XX/XXXX who assured me the fees and interest would be reversed and they would refund the money on my credit card byXX/XX/XXXX. It did not happen, so I called again XX/XX/XXXX, and was told I would receive a call back from a supervisor, which I never received. XXXX XXXX has recorded and documented conversations that confirm the transfer was unauthorized. In addition, I believe it a Truth in Lending law that I would have been contacted to confirm I authorized this transaction, and I never received any information, until I received a bill. I would like the fees and interest returned to my credit card. They now ( after almost a year ) are {$2700.00}. 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

2018-08-29

Key Biscayne, FL

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: Back in XX/XX/XXXX, I contact Barclays credit card bank and I was asking them to please forgive me a late payment I did back in XX/XX/XXXX, I didnt receive a reply back from them, I did finished making all my payments and I even paid off the account. the account was close during the time I was as making my payments, I did ask the bank to close the account for me and I will responsible to make payment which I did and now the account is paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-29

Bedford Park, IL

Getting a credit card

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

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-29

Jersey City, NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: My credit report shows two accounts that belonged to my parents, not me. The first is called " XXXX XXXX ( Closed ), '' which was opened on XX/XX/XXXX, when I was XXXX XXXX XXXX. The second is " Barclays Bank Delaware ( Closed ), '' which was opened 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

2018-08-27

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

2018-08-27

Houston, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: On XX/XX/XXXX XXXX Barclay denied a credit charge of {$2000.00}. When I called them to let them know that I was paying a contractor for the work done by the name XXXX XXXX they then approved the charge 0f {$20000.00}, putting me way way over my credit limit. ( XXXX has a recording of this conversation ). The contracrator made up a fraudulent charge of {$18000.00} more, The total amount was not clearly visible on the phone. ( XXXX XXXX ). I have gone back & forth with XXXX Barclay but they have refused to accept any responsibility for their grievous error which is solely on their part. I have made the high minimum payments for almost two years hoping they will see my side & not to let it effect my credit. My Total balance as of XX/XX/XXXX statement is {$29000.00} Fradulent Charge due to XXXX error ( {$18000.00} ) High Minimum payments made from XXXX thru XXXX ( {$9600.00} ) Late Fee & interest charged? Real Balance Owed {$1400.00} I have sent them two letters on XX/XX/XXXX & XX/XX/XXXX along with one Certified Mail. Upon talking to them they asked me for a two cycle time period to evaluate & make a decision. I have yet to hear from them. The person I talked to told me that my account has been charge off. This whole thing has affected my Credit Score to sink to a new low from the high 800 score. I would very much like XXXX Barklay to accept their error in the poor decision they made, restore my credit & give me a letter of accepting {$1400.00} as payment in full so I can pay and put this matter behind us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response