BARCLAYS BANK DELAWARE

2019-10-31

Nanakuli, HI

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

2019-10-30

Kihei, HI

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

2019-10-30

Philadelphia, PA

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/2019 a check in the payoff amount of {$14.00}, XXXX was issued to Barclay Bank to pay off XXXX XXXX XXXX XXXX XXXX account. The USPS tracking showed the check was received in the Delaware processing center on XX/XX/2019 and was negotiation on XX/XX/2019 though XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX Absence of Endorsement Guaranteed Barclays XXXX. The payment was still not applied to the account on XX/XX/2019 so we contacted Barclay for a status. They advised us they would look into the matter. We called again on XX/XX/2019 because the payment had still not been applied to the account and the agent was still unable to locate the payment. We called again on XX/XX/2019 and request to speak with a supervisor who indicated they still had not located the payment, at which time we informed them that we could provide the cancelled check, which we did by e-mail on the XX/XX/2019. We have called every day since XX/XX/2019 and keep being told that despite all of the tracking information, cancelled check and sending by overnight mail my marriage licences and passport ( which they would only accept by fax to a number that is always busy, US postal service or overnight mail ) showing my married name, which they received by overnight mail XX/XX/2019 but still refuse to apply the payment and keep telling us that we can't speak directly to the group that conducts the investigations and that we have exhausted all avenues to getting this resolved sooner than 30 days. Because they have not applied the payoff, we are now forced to make a minimum payment of {$830.00} in order to keep the account in good standing while they investigate. We are also accruing fees and interest on the unpaid balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Gaviota, CA

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

2019-10-30

Red Bank, NJ

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

2019-10-30

Arlington, VA

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 complaint stems from the credit card company failing to resolve two disputed charges on my credit card statement within the required 90 day period. Two charges showed on my card after I had returned two items ( XX/XX/XXXX and XX/XX/2019 both for {$160.00} each ). I raised a dispute in XX/XX/2019 ( letter states it was initiated on XX/XX/2019 ) by phone. A letter received XX/XX/2019 was sent by the credit card company to me asking for additional information after being contacted by the merchant ( who provided their online policy, nothing else ). I faxed a response within 10 days of receiving the letter to the credit card company detailing that the merchant did not honor its return policy and provided additional information to that effect. A resolution was then mailed to me on XX/XX/2019 stating that the credit card company could not do anything. This response was far after the 90 day period required under the FCBA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

KY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: I applied for the XXXX Visa Card from Barclays Bank and was approved in XX/XX/2019. On XX/XX/2019, I was informed via email there was a change in terms to the rewards structure. This change occurred so quickly that I feel like the advertised card and benefits that were marketed to me to entice me to apply were misleading and deceptive because the company significantly changed the reward structure immediately on me. This is unfair because I closed another account when opening this new card which impacts my personal credit via the credit inquiry and the decision to close another long standing account based on the advertised rewards Barclays offered. Barclays at the very least should grandfather existing account holders. I contacted Barclays regarding my complaint but no resolution was offered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-30

Charlotte, NC

Fees or interest

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

Charged too much interest
Complaint: XXXX closed a MasterCard earlier this year because of a missed payment. The account is in my name but was being paid monthly by my ex-wife. I have since taking over the account and have been paying it down. However because the interest rate is so high, it is making it difficult for me to pay it off and creating a financial strain on 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

2019-10-29

FL

Incorrect information on your report

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

Account information incorrect
Complaint: The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
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

2019-10-29

Dowling Park, FL

Fees or interest

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

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

Timely Response

2019-10-29

Chicago, IL

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: The XXXX Visa Card ( offered through Barclay 's ) for the past 2 yrs has had a 4-3-2-1 rewards category scheme with a cash back option. People have been approved for credit cards, agreeing to these terms and conditions literally up to this morning ( XX/XX/2019 ). For them to unilaterally and forcefully change the entire rewards system ( for many people less than 6M after signing up ) so that 1. the rewards categories change and 2. ( most importantly ) that there is no longer a cash back option with no opt-out of the changes is preposterously criminal to the people that signed up for the old terms and conditions. People sign up for credit cards and agreements with the expectation that the conditions they sign up for will be respected. A company is entitled to change their conditions, but should do so for future customers and not the ones that signed up under the old conditions ( or offer an opt-out of the new changes ). For them to then change those conditions for some people less than a day after being approved is a stark abuse of power. Especially, considering the opposing consumer side is powerless to disagree because there is no opt-out option, and if the consumer were to cancel the card, their credit score will suffer causing reverberating effects. A rewards system is an integral part of the critical decision to open a credit card account ( which can have drastic effects on a consumer 's life ), and should not be subject to whimsical unilateral changes whenever a company wants. The implications of such are obvious, enabling companies to impose drastic financial burdens on their consumers without consumer input.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Glendale, CO

Improper use of your report

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

Report provided to employer without your written authorization
Complaint: I need help I keep getting in accurate reports from XXXX XXXX XXXX and need help clearing my credit history reports hard and soft because there is a lot that is 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

2019-10-29

Mabank, TX

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: There was fraudulent charge made on my card at a wireless store. I notified Barclay by phone 5 times emailed and faxed them over a 2 month period. I have been unknowingly paying for the charge for over a year because I have all cards set up on autopay and recently relized when my bank account was compromised and had to set up all accounts again on new account and realized I had two Barclays payments coming out. I am getting the run around and no help from Barclays!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-29

Patterson, MD

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: The XXXX Credit Card misled customers by using the Bait and Switch manipulation technique. They lured people to their credit card with no annual fee and great benefits allowing you to use cash back towards your statements. Now they not only lowered the benefits but made their cash back system only for credits towards their own company. Now I am stuck with this credit card because I care about my credit history and do not want to have a canceled credit card this quickly on 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

2019-10-28

Ft Belvoir, VA

Other features, terms, or problems

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

Problem with rewards from credit card
Company Response: In progress

Timely Response

2019-10-28

MA

Fees or interest

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

Problem with fees
Complaint: My last payment to my XXXX Visa Card account with Barclays on XXXX, XX/XX/2019 was processed in the amount of {$290.00} by ACH automatic debit from my Barclays savings account ending in XXXX. Over that 3-day weekend, the debit was held as pending by Barclays owing to a temporary freeze on funds in my account that I was not made aware of. On Wednesday, XX/XX/XXXX, I was informed by Barclays that my pending debit would be rejected. Two business days had passed since my automatic payment successfully posted to my XXXX Visa Card account, so I contacted XXXX Visa Card customer service with my concern. I was assured twofold that my account was in good standing and that there were no annotations on my account to indicate any problems with my payment. The representative stated that he did not want me to experience any problems with my account and thus took additional effort to ensure the compliance of my payment. One day later, on Thursday, XX/XX/XXXX, my XXXX Visa Card account transactions listed 4 new items indicating that my payment that had been processed five calendar days prior had been returned. The account had been assessed a retroactive interest charge, a returned payment fee, and a repeat debit of my Barclays savings account ending in XXXX for the same amount of {$290.00}. I contacted XXXX Visa Card customer service by phone and by secure message through the online portal to address my concern about the lapse in payment and requested in three instances on both occasions that the interest and fee be waived as a courtesy in acknowledgement of the trying circumstances beyond our collective control. I was refused on both occasions with XXXX Visa Card maintaining that they would not be liable for returned payments enacted on their automatic debits and affirming their prerogative to assess both interest and punitive charges. The funds in dispute by Barclays XXXX Visa were in practice never in jeopardy. They were able to debit my internal savings account with Barclaysand acknowledged as much in my ledger and in dialogueand retroactively insisted on my negligence by artificially reversing and repeating the ACH debit in one fell swoop. My account never past due, yet XXXX Visa marked the reversal initiated on the XXXX as occurring on the XXXX in order to impose interest on the five calendar days when the payment was never, in fact, past due. This insidious practice does not comport with the reality of the circumstances underlying these events and serves only to further an ostensibly dubious profit-driven imperative. Moreover, Barclays was never deprived of the funds given the delay in learning of the lapse and acting to reappropriate them in real-time within its own institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Bohemia, NY

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: Barclays Bank decided to close my Barclays Arrival World MasterCard due to inactivity. When they closed the account they sent me a letter and said I should call to claim any rewards outstanding. I had {$18.00} in rewards but Barclays refuses to pay it to me or transfer to another card ( I have another Barclays card ) because it is under {$25.00} and their policy states that they won't pay rewards until you have at least {$25.00}. By closing the card on me they are ensuring that I will never reach this amount. When one considers the fact that Barclays chose to close this card unilaterally, they should not have the right to just erase my rewards. It would be very simple for them to transfer the rewards or pay them out. This is unethical on their part, and part of a campaign to nickel and dime credit card customers. 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

2019-10-28

Jesup, GA

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

2019-10-28

Scottsdale, AZ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: BARCLAYS BANK DELAWARE/ CHARGEOFF Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <XXXX XXXX XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full. 2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed. 4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ). Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BARCLAYS BANK DELAWARE are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

Other features, terms, or problems

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

Other problem
Company Response: In progress

Timely Response

2019-10-26

IL

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: I had my credit card number stolen and someone set up an XXXX account and used the card to make several small purchases. XXXX recognized these charges as fraudulent and did not charge my credit card account ; however, the charges appeared on my Barclay card account. XXXX said they would credit the charges, but they couldn't because they were, in fact, never charged to my account. So, Barclay seems to be committing fraud. They charged me for something they were not charged for. When I contacted Barclay about this, they explained that although XXXX may have contacted them about fraud, they could do NOTHING without talking to me directly. To me, this was very troubling ; I know credit card companies like XXXX XXXX XXXX cancel cards any time they have a suspicion of fraud WITHOUT contacting the cardholder. The agent at Barclay kept telling me it was my responsibility to contact them. When I said, " I want to know how you can charge me for something you were not charged for? ", the agent would turn the matter around on me and say they could do nothing without my permission. In my opinion, it is quite possible they are collecting these fraudulent charges, which they have not been charged for, from many of their cardholders. These small sums can easily be overlooked and add up to XXXX of dollars of 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

2019-10-26

Charlotte, NC

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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BARCLAYS BANK DELAWA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Northside, NC

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: Hi, On XX/XX/XXXX, I was approved for the Barclay 's XXXX XXXX card and received a sign up offer of XXXX miles for {$5000.00} spend in the first 3 months. Due to inconsistent messages from Barclay 's agents and an unfortunately timing of a chargeback, Barclay 's has denied me this sign up bonus. [ Referencing Message Confirmation Image ] On XX/XX/22, I asked if I had reached the spend for the bonus ( Barclay 's didn't offer an exact tracker for the bonus- the closest thing was the spend analyzer. I wasn't sure if it was updated quickly/accurate for purposes of checking on my bonus so that's why I msg 'd to double check ). The agent 's reply was yes " providing that the transactions are not later rescinded or returned '' ( 2nd paragraph ). [ Referencing Initiating Case Image ] I replied to the agent asking about a chargeback situation. Basically, over the summer, a bartender wrote an extra {$20.00} tip ( in addition to the automatic gratuity ) and I immediately contested a chargeback. Barclay 's only accepts fax or mail so I mailed in the receipts/evidence. This process took incredibly long to fix on Barclay 's side and eventually they send in a letter [ Referencing XXXX XXXX Image ] saying that they'll provide a credit for XXXX XXXX-the amount disputed. However, Barclay 's ended up refunding the entire transaction of {$170.00}. And this reversal was processed 2 days before the deadline for my 3month sign up bonus. Seeing that, I worried that Barclay 's would count this against me. I called a representative a few days later and she confirmed that I indeed will not receive the bonus due to this chargeback. Because she couldn't do anything about it, I wanted to escalate this to someone else who could help me resolve this and so the agent opened a case for me. [ Referencing Final Resolution Image ] and [ Statement with XXXX Image ] After not hearing back for weeks, I reached out for an update. The message said that I didn't qualify for the bonus due to 2 returns : the chargeback and another one for {$160.00}. I remember this XXXX return but I want to note that this was done back in XXXX - XXXX. The statement for this came out on XX/XX/XXXX or XXXX. When I doubled check on the bonus, it was on XX/XX/XXXX. I should've been informed that no, I didn't hit the minimum spend required then. ( I had assumed that I spend enough to cover the XXXX refund and the chargeback for XXXX was the only issue preventing me from getting the bonus. ) Plus, they did nothing to address the issue with the chargeback. I don't think it's fair that 1 ) Barclay 's send a physical letter saying a credit for {$20.00} when they didn't do that and 2 ) taking a long time for processing the chargeback and putting it on my account 2 days before the min. spend deadline. -- In summary, the communication by Barclay 's were essentially false statements that mislead me into believing that I had completed all tasks to qualify for the signup when I did not. In addition, the manner they've handled a chargeback impeded my ability to qualify for the sign up bonus. Thanks for taking your time to read this, K
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

2019-10-25

Summerfield, FL

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

2019-10-25

Phoenix, AZ

Problem when making payments

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

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

Timely Response