BARCLAYS BANK DELAWARE

2018-08-22

Burbank, CA

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 account has been restricted for well over a month and no person from the entire company can say what the problem is either in writing or by phone. I guess I am entitled to some kind of response from the company that I have been doing business with and making payments for a long 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

2018-08-21

Soquel, CA

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: Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. please help 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

2018-08-21

Fresno, CA

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

2018-08-21

Flushing, MI

Incorrect information on your report

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

Account status incorrect
Complaint: Barclay bank has reported my XXXX account as delinquent, for 30-59 days when i have made my monthly payments on time, my last payment was on XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-21

Liverpool, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: I opened an account for visa card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XX/XX/XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for Barclays Bank Delaware, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by Barclays. About a week before XXXX contacted me about this, I had received a letter from Barclays in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to Barclays advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX Barclays responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that Barclays had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and Barclays never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and Barclays never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-21

Bohemia, NY

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: On Friday XX/XX/2018 I noticed a {$160.00} charge from XXXX that I did not make, authorize, or have anything to do with. On Friday XX/XX/XXXX I called Barclays and reported the fraudulent charge and my credit card was cancelled and I was sent a new credit card. This was a pleasant phone call. On Tuesday XX/XX/2018 at XXXX XXXX I received a phone call on a recorded line from a fraud investigator from Barclays. I believe that I offended him when I asked him some questions to verify who he was because he started asking personal questions. The person was rude and accusatory. Though I repeatedly on the recorded line told him that I had nothing to do with the fraudulent charge he said he could not accept the charge as fraud. The conversation became unpleasant and I ended it. I called back a few minutes later and spoke with another fraud representative and that person reviewed the recorded conversation and came back on the line and apologized and said that she did believe the charge was fraud and stated that my account would be noted. On Monday XX/XX/XXXX I received a letter from Barclays dated XX/XX/2018 stating that the {$160.00} charge by XXXX was valid. I called Barclays again and unfortunately I was connected with another rude and accusatory fraud investigator. He many times did not let me finish my sentence. He eventually read the notes and listed to both conversations from my previous calls and removed the fraudulent charge. In addition to being rude and accusatory he was condescending. The fraud " investigators '' are poorly trained and not very good at their job if they though that this {$160.00} charge from a company based on another continent was a valid charge. I had no prior history of disputing charges. If there is a profile for consumers fraudulently claiming charges are valid I assure you that I do not fit this profile. This was a terrible experience and I am hopeful that others share their stories.
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

2018-08-21

Chicago, IL

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-21

New Bedford, 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
Complaint: On XX/XX/XXXX XX/XX/2018 a seller that has an online website only called XXXX had emailed me through her email which is listed on that site under XXXX that she had already refunded my money or XXXX. Barclays and XXXX will not help in this matter even though they see the email from the seller. Its now XX/XX/XXXX and both Barclays and XXXX know I didnt receive anything and are still stalling but Barclays admits they tried for two weeks to contact the seller. XXXX said Barclays should be handling it. Both institutions have proof from the seller that she would credit -they both wont credit. Office of the president at Barclays with a XXXX XXXX is useless wont send correspondence via my residence I assume Bc she doesnt want anything in writing and will tape my calls but wont allow her calls to be taped which I find off. They allow a fraudulent seller to get away with this and keep dragging it out. They wont even respond to the bbb case was done last month number XXXX for Barclays. XXXX wont Respond Bc that means in writing to my residence or a taped call both ways which she wont do. So because of this they wont credit the XXXX when they have proof from The seller that she was going to refund and never did.
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

2018-08-20

CT

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: In XXXX of XXXX I filed a complaint regarding fraud on my credit card. This case involved XXXX XXXX and XXXX XXXX credit card. Now this account is closed. On XX/XX/2018, XXXX XXXX XXXX from the Office of the President in the company of XXXX XXXX, called me. She assured me the credit I was due would in fact be sent " soon '' but she could not give me a actual date. 'Perhaps 7-14 days, but she was not sure '. This call lasted about 5min in total. On the XXXX of XXXX I called XXXX and left a message informing her I still have not received the credit. It is now, XX/XX/2018 and I still have not yet received the credit. It is small in nature, under {$500.00}. but now it is the principle of the matter over amount. To be promised something from such a large credit card company, after a complaint is filed, and then to have no result, is mind boggling to me. I do not understand how companies can get away with this at all. Hopefully in filing this follow up complaint, the XXXX is able to assist me and cause this company to keep their promise. Thank you, and I look forward to resolution soon.
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

2018-08-20

El Dorado Hills, CA

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

2018-08-20

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

Timely Response

2018-08-20

Columbus, OH

Closing an account

Checking or savings account: Savings account

Funds not received from closed account
Complaint: XXXX initiated funds transfer upon account closure ( acct # XXXX ) to Barclays saving account # XXXX on XX/XX/2018. However, this account was closed on XX/XX/2018. Hence, as per Barclays, the incoming funds were rejected and sent back on XX/XX/2018 using tracing # XXXX via XXXX XXXX XXXX, who acts as a clearing bank for XXXX 's bill pay service. Barclay 's proof of transmittal does not contain the account number where the funds were transferred to. Hence, XXXX XXXX XXXX is unable to locate the funds. XXXX XXXX XXXX wants to know additional info or the account number where the funds were transferred to in order to locate the funds. XXXX wants Barclays to issue a recall notice to XXXX XXXX XXXX so that funds get sent back to the issuer. Case # XXXX is open with Barclays for the past 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-19

Arco, CA

Credit monitoring or identity theft protection services

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

Didn't receive services that were advertised
Complaint: Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please? Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why?? XXXX, XXXX XXXX, XXXX XXXX, XXXX, BARCLAYS BANK DELAWARE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-19

Oxford, GA

Problem when making payments

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

You never received your bill or did not know a payment was due
Complaint: I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-19

Nyc, NY

Fees or interest

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

Problem with fees
Complaint: I have an XXXX MasterCard. I pay an annual fee and in return do not get charged a surcharge on overseas transactions. When using the card in XXXX, the XXXX bank offers the merchant a choice of charging me in Euros or in Dollars. The rate of exchange the XXXX bank uses to calculate the Dollar amount is, of course, a rip off. I have tried to get merchants not to choose the Dollar option. But they don't always understand, and in a restaurant, I am not standing next to the waiter as they process the transaction. I am sure this practice must be costing cardholders millions. It should be stopped. And of course, I should be compensated for the losses I have suffered. I am attaching a statement. Most recent charges are in Euros. But there area few XXXX charges in Dollars. This is where they are ripping people off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-18

Arco, CA

Problem when making payments

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

Problem during payment process
Complaint: I have a loan with BRCLYSBANKDE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and BRCLYSBANKDE with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-18

Raymond, NH

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

Timely Response

2018-08-18

New Bedford, 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
Complaint: This letter is in response to DENIAL on my claim, Case number : XXXX XXXX of account number ending in : XXXX. That I Initiated on XX/XX/2018 of a total sum of {$4500.00} due to me being a victim of FRAUD SCHEMES. I have the legal right to a full and proper investigation under The Fair Credit Billing Act and The Truth In Lending Act Federal Law. I do feel that my rights have been violated due to not receiving a proper and fair investigation under my circumstances. Barclaycard ( XXXX XXXX XXXX ) Has failed me by NOT conducting a reasonable investigation of my dispute accordion to the Law. I called the Dispute Department on XX/XX/18 and spoke to a lady by the name of XXXX with barge # XXXX. I called because I realized that temporary credit that had been placed on my account while Investigating this claim had been reversed and wanted to get explanation to whyXXXX XXXX advised me that the reason why my dispute is been reversed is because they have had from the processor and they have said that I have received all my services that I had paid for. I let XXXX know that cant be true because a money processor cant know that kind of information. The roll of a processor is to process payments for a company that all. I continued to ask her for written document stating why my dispute was denied and also a document for the processor stating that I have received all my services. XXXX finished the conversation stating that I should receive a document by mail in 10 business day stating their findings and the processor. I called back to Barclaycard ( XXXX XXXX XXXX ) XX/XX/2018 after receiving a letter in the mail explaining why my claim was denied but there was no document from the processor stating that I had received all my services. When I call it was the same lady XXXX with barge # XXXX who I talked to in my last call on XX/XX/18. I started explaining why I was calling. I talk about the letter that I received in the mail that is stating that a merchant has since supplied documentation that details what the transaction represented and also said that they had enclosed a copy of the documentation for me to review. When I brought this to XXXX attention that I didnt receive any document from the merchant with this letter. Now the story changed and she was trying to convince me that that letter was contradicting and that wasnt what it meant she continued to say that my claim was denied because I didnt fill it with in 60 days. When Insisted about wanting to receive the merchant documentation that they received so I can review them she stated that they DIDNT receive ANY DOCUMENTS FOR THE MERCHANT. I was so upset because I know I was been lied to and they hadnt full investigated my dispute and they were just giving me the run around so I can get frustrated and give up on my dispute. I did let XXXX know that I will be filling a complaint with CFPB because I was not getting the help deserve. There is no way that a fair and complete investigation was contacted in this case. Barclaycard ( XXXX XXXX XXXX ) did not look into my claim and only made a lie that merchant had provided them with prove that I had received all services but when I ask them to provided me with that prove in writing so I can review it they were unable to do so and their reason for denying my claim changed to some this else. They have no intention of helping you there main goal is frustrating you to giving up the pursue of your claim. I was a loyal consumer of Barclaycard with no incident till this happened to me and am very shock of how they treat their customers. I am a victim of fraud schemes and I purchased educational service ( which I though that would be beneficial to my life ) with XXXX that cost me over {$60.00} thousand of which I paid over {$4500.00} using this Barclaycard credit card. I paid the rest using other different cards and those credit card companies have been very helpful and understanding and some have give me a full credit after their investigation and others are still investigating my claims as I write this. I believe I have only dealt with Barclaycard regarding this matter three times and all those times were over the phone. The Initial time was on XX/XX/2018 when I first put up the dispute. The other two times were on XX/XX/2018 and XX/XX/2018 when I was following up on the dispute. Barclaycard never asked for any additional information about my claim either in writing or over the phone apart from the first interruption when I called in to fill for the dispute. So all their decision was based on my first call to them and had no other information on this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-17

Spfld, MA

Fees or interest

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

Charged too much interest
Complaint: I closed this card quite some time ago, and I am being billed 17.99 % APR on {$1500.00} and 23.74 APR for cash advance of {$1400.00}. This is usury at it ; s ugliest and deception.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-17

Bronx, NY

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: INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX 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

2018-08-17

Fort Worth, 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 monetary relief

Timely Response

2018-08-17

Stilesville, IN

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: We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-16

Del Sur, CA

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

2018-08-16

Jupiter, FL

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: Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. I did not want the phone but Barclay insisted I buy it to please XXXX. It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-16

North Kortright, NY

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