BARCLAYS BANK DELAWARE

2018-08-16

Simi Valley, CA

Problem when making payments

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

Problem during payment process
Complaint: Regarding visa # XXXX On XX/XX/XXXX I inadvertently made what should have been my car payment in the sum of {$390.00} to Barclays as my monthly payment when I intended to only pay the minimum payment of {$40.00}. This payment was made via automatic payment from my money market account. On XX/XX/XXXX I called Barclay card and advised I didnt intend to pay that amount can they please deduct {$40.00} and send me the difference. I was told they could not because the payment was sent by a third party I advised it was not it was automatic payment from my account. I called XXXX had XXXX on the line spoke with two managers XXXX confirmed the payment was not paid by a third party it was paid directly from my money market account via automatic payment through XXXX both managers refused and continued to refuse to return my funds because they claim the payment was posted as third party payment likely a mistake by Barclaycard. Even with XXXX on the phone confirming it was not a third party it was my automatic payment they still refused. Both managers also claim payment made by third parties can not be returned at all even in these situations when a customer asks for there over payment back. I informed both managers that they are holding my funds XXXX and clearly they are violating laws by not returning a customers funds even when the bank confirms the payment came directly from my account. All of the conversation which is recorded and will be subpoenaed if need be. However I am asking the CFPB to intercede In assisting with the return of my funds that came directly from my account even if it is via check directly to me so there third party concern which doesnt exist can be resolved. XXXX XXXX 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

2018-08-15

Ny City, 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: I did not *AUTHORIZE* for a merchant ( XXXX XXXX ) to CHARGE my credit card for THREE amounts ( {$750.00} ), {$350.00}, AND {$350.00}. I notified my Credit Card Company immediately and was advised so long as I did not *AUTHORIZE* I would not be responsible for any unauthorized charges. I have GFRAUD protection, and Barclays Bank is the WORST in protecting their customers from wrong full unauthorized merchants who wrong fully bill card holders for services NOT rendered. Any written agreement I had with this merchant is between me and the merchant in Court. I NEVER authorized this merchant XXXX XXXX to Bill my card for 'services ' he was SUPPOSED to render but never did, I attempted to resolve the issue with the merchant and the day I found these charges the merchant indicated in 'text ' and email form that it was an error and he would correct it. I contacted my Bank and spoke to Barclays Bank advising that although this merchant had my credit card information, I DID NOT* EVER sign or agree to a signiture on file or ANY document authorizing this merchant to bill my card, THIS MERCHANT **NEVER** did any work on my behalf as he promised to protect me. The merchant NEVER sent me any itemization for a bill for services because there was NO SERVICES rendered. The merchant also has REFUSED certified mail from me that I DO have. Barclays Bank so called investigation process NEVER* sent me any request to submit documentation to Support my claim. As a matter of FACT * I spoke to XXXX on XX/XX/2018 at Barclays Bank Disputes department who ASSURED me my case was CLOSED and the wrong full charges that wasp on my account by XXXX XXXX WAS CLOSED and would NEVER** be reopened. I asked if there was a need to file a police report against this CROOK XXXX XXXX and was told by XXXX on a recorded line on XX/XX/18 " NO '' this matter is CLOSED I ASSURE YOU AND YOU WILL NOT HAVE TO PAY FOR SERVICES never received and never authorized. I was FORCED to close my original card when I learned of the unauthorized charges. I was inconvienanced and stressed out to the max. The correspondence I received from Barclays Bank dated XX/XX/2018 indicates the investigation would be 30 days from XX/XX/18, this is why I called Barclays Bank and was ASSURED on multiple occasions that my card would not be CHARGED for charges I did NOT* authorize. I also received CREDITS on my statement in XX/XX/XXXX, there were there : {$750.00}, {$350.00} {$350.00}. The UNFIAR practices by Barclays Bank requires investigation. I request that BARCLAYS make a COMPLETE FAIR< AND FULL INVESTIGATION. I received a VERY disturbing call on XX/XX/18 from Barclays disputes dept ( XXXX ) who was ROOD unprofessional, lacked compassion, and REFUSED to let me speak to some one above her. I was not supplied with the name of her supervisor and I TRIED to explain that was NEVER given the opportunity to submit supporting documentation from this 'crook ' that wrong fully charged my credit card. BARCLAY 'S BANK denied my RIGHT for a full and fair investigation, pursuant to MASTER CARD " CHARGE BACK CODES '' : # XXXX ( CARD HOLDER DOES NOT RECOGNIZE '' Potential Fraud ) # XXXX ( SERVICES NOT RENDERED ) XXXX # PROOF OF SERVICES ) XXXX # DEFECTIVE NOT AS DESCRIBED. INSTAED OF Barclays Bank * PROTECTING* IT ; S CUSTOMER AS MY SELF, BARCLAYS PROTECTS THE MERCHANT WHO WRONG FULLY, ILLEGALLY CHARGES CUSTOMER 'S AS MYSELF, I WILL NOW BE FORCED TO TAKE ANY AND ALL PUBLIC AND CIVIL ACTION AGAINST BARCLAYS AND THE MERCHANT. I WILL ALSO BE CONTACTING THE FEDERAL RESERVE, MASTERCARD, AND EVERY FORUM TO SUPPLY EVIDENCE THAT BARCLAYS HAS VIOLATED MY RIGHTS AS A CONSUMER FTC, BARCLAYS BANK ***REFUSED*** TO ALLOW ME TO APPEAL THE WRONG FULL DECISION UPON RECEIVING THE PHONE CALL FROM BARCLAY 'S DISPUTE DEPARTMENT ON XX/XX/18. Barclays Bank*** NEVER*** ALLOWED ME TO SUBMIT ANY DOCUMENTATION TO SUPPORT THAT THIS MERCHANT XXXX XXXX XXXX A CROOK, XXXX XXXX `` ADMITTED '' VIA TEXT AND EMAIL " I WILL CORECT THIS BILLING ERROR '' AND JUST BY XXXX : XXXX XXXX ESQ '' IT IS NOTE ABLE THAT THIS MERCHANT HAS OTHER 'VICTIMS ' THAT HE WRONGFULLY BILLED FOR SERVICES NEVER RENDERED. I WILL PURSUE THIS MATTER TO THE EXTENT OF THE LAW, AND I WILL NOT** I WILL NOT PAY FOR SERVICES I DID NOT ONLY NEVER RECEIVE BUT I NEVER AUTHORIZED.
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

2018-08-15

Dover, NJ

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

2018-08-15

Morningside, NY

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

2018-08-15

Eastvale, CA

Other features, terms, or problems

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

Credit card company forcing arbitration
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-14

Lynnewood Gardens, PA

Getting a credit card

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

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

Timely Response

2018-08-14

Charlotte, NC

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2018-08-14

Hamilton, OH

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

2018-08-14

Duncan, NC

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

2018-08-14

Key Biscayne, FL

Other features, terms, or problems

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

Other problem
Complaint: Re Barclay card XXXX XXXX Plus Rewards card ... I received a text message about possible fraud on my account and replied that the charges were fraudulent. My son was overseas and a company listed as XXXX XXXX in XXXX, XXXX repeatedly charged enormous amounts of more than {$2700.00} on his cc which is linked to my primary account.I have checked this company and they have multiple claims against them and class action lawsuits for this type criminal behavior and worse! They had the card with the chip and repeatedly charged the card before returning it to my son.Barclay card should have had a security protocol that prohibited such large charges overseas until I replied to their text to confirm their validity or lack there of. Every other cc dies this in this day and age of scammers. By the time I replied to the text message that Those charges were unauthorized, it was too late for barclay card to care! Barclay card customer service was rude and robotic and once the merchant produced signatures that anyone can forge once they have one signature, that was good enough for barclay card. They closed the case and instead of backing up me as the consumer backed up the criminal merchant and insisted I pay for fraudulent charges on 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

2018-08-13

Rochdale, NY

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress. I am a recovering victim of ID Theft which arose from a stolen wallet in XXXX and on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts. On XX/XX/XXXX I wrote my first letter to Barclays Bank Delaware. On XX/XX/XXXX I received a response from Barclays Bank ( see attached letter ) which does not consitutute validation. I wrote again on XX/XX/XXXX and informed them that the account was unknown to me and that I requested full validation for the account including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account. To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to Barclays Bank of Delaware made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. Under advise, I wish to informed Barclays Bank of Delaware that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-13

Hinkley, CA

Problem when making payments

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

Problem during payment process
Complaint: We have timeshares with XXXX XXXX XXXX. We pay our maintenance fees using one of their sponsored credit cards from Barclay Bank on a monthly basis. The card is called XXXX XXXX XXXX XXXX Card. Our maintenance fees are charged from XXXX XXXX XXXX to the Barclay credit card. As of today, XX/XX/XXXX, we went to verify the XXXX XXXX XXXX XXXX Card Statement for XX/XX/XXXX to make sure the auto payment from our XXXX XXXX XXXX account to Barclay-XXXX was correct. It wasn't, it incorrectly asked for two months charges on one billing cycle. We called Barclay US and talked to an agent in the XXXX, who told us the charge was correct because of the billing cycle, that doesn't correct the problem because we will end up paying double or a month in advance of the real billing month. For example, we were billed in XXXX for our XXXX maintenance fees, with payment due date XX/XX/XXXX. That was paid on XX/XX/XXXX through the XXXX Online Bill Pay program and on XX/XX/XXXX we were charged for our XXXX maintenance fees, by the Barclay XXXX XXXX Credit Card, due on XX/XX/XXXX. The Barclay XXXX XXXX Credit Card Statement for XX/XX/XXXX, shows the previous months balance ( XXXX ), the payment received on XX/XX/XXXX ( XXXX fees ), and the new charge for XXXX maintenance fees, due on XX/XX/XXXX. Statement is correct. We paid the Barclay-XXXX XX/XX/XXXX bill, through XXXX XXXX XXXX XXXX XXXX with eBills coming from Barclay. Our records indicate that eBill for Barclay's-XXXX XXXX XXXX Credit Card , due on XX/XX/XXXX, was paid on XX/XX/XXXX. The Barclay XXXX XXXX Credit Card Statement for XX/XX/XXXX, shows the the previous months balance ( XXXX ), the payment received on XX/XX/XXXX, but now our charges are doubled, due on XX/XX/XXXX. We do not desire to pay double or pay in advance. We pay our credit cards monthly balances in full so we don't pay interest fees or penalties. If we don't pay what Barclay is asking for this month ( XX/XX/XXXX, due XX/XX/XXXX ), Barclay will be able to charge us interest charges at over 20 % on the next billing. That is stealing. STEALING. Barclay contends that the charge is not doubled or advanced payment and refuses to correct or adjust the billing. Their agents put us off several times and told us they would not help us but would have somebody call us in the next 24-48 hours. But we have paid all of our bills correctly and on time. So, why should we be sitting here getting punished for something we haven't done wrongly on. Further they state that billings coming from XXXX are coming two in the same billing cycle which is causing this to happen. We contacted XXXX Financial Services to inquire if they were double charging us. That is not correct, our payments are on time and accurate. XXXX does not know what is causing this double payment. They told us our balance is XXXX for the month of XXXX, meaning we will be billed in XXXX, for XXXX 's maintenance fees, on the XXXX of the month. We checked XXXX for payments on this account and verified that all the bills on this account have been made on time and accurately. We can not understand why agents with Barclays can disregard our understanding of a doubled figure for the monthly billing when they should have records of this also. Additionally, we have two other credit cards with Barclay, both are promos being used to buy XXXX Products. Both the other two credit cards are on a minimum payment schedule in order to pay off the XXXX products within a time frame to avoid interest fees. We have placed both on auto-pay with XXXX also and receive eBills from Barclay-XXXX. These two cards are paid monthly based on their balance, paying more than the minimum required to avoid interest fees. Both are handled on time and accurately by XXXX Bill Pay program. We are asking that Barclay 's and XXXX come clean in their way that they have handled this. We are not cheats and desire to pay our bills on time and accurately but it is bothersome for big institutions such as Barclay 's and XXXX to look to scrape us for extra monies when we live on a fixed income. Barclay 's agents were not willing to go over all our documentation and find an error, one agent hustled over their data and would not be questioned on what was happening. We have been cheated since XXXX by XXXX and Barclay 's Bank only helps them to cheat more. Our payments are on time and accurate. Barclay 's needs to show us the documentation that we haven't paid accurately and on time. Why do we have to pay double for XXXX, XXXX, maintenance fees, due 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

2018-08-13

Winter Park, FL

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

2018-08-12

Santa Ysabel, CA

Advertising and marketing, including promotional offers

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

Didn't receive advertised or promotional terms
Complaint: Around XX/XX/2018, I saw an ad on XXXX XXXX XXXX website for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion said XXXX bonus miles if {$1000.00} was spent in the first 90 days. In early XXXX, I checked my spending on my online account and saw that it was over {$1000.00}. It was pretty close to the 90-day cut off date, so I decided to double check if I was good to qualify for the promotion just in case. I contacted customer service thinking that I could trust the representatives. Besides it being more convenient than trying to read through all the fine print, I felt like it would be more reassuring to be able to check with an actual person who could give me guidance and more clarification in case I required any. I was a bit worried about the annual fee in particular, so I asked the rep specifically about whether the fee counted toward the total spending for promotion. I was told that ANY spending was counted, and that as long as my spending showed as over {$1000.00} on my account, then I was good. Reassured with this information, I believed that I'd already hit the {$1000.00} target and didn't go out of my way to make more purchases. Again, the main reason I contacted customer service was to confirm that I hit the target spending amount so that if I didn't, I would know I had to make a few purchases with the card before the XX/XX/XXXX cut-off date. However, according to the information I was given, I already reached the necessary {$1000.00} amount, so I thought I didn't have to worry about it anymore. But then I realized I never got my bonus miles, so I started contacting customer service around end of XXXX/XX/XX/XXXX. First I was told there was no promotion attached to my application, and I should talk to the airline. Airline kept sending me to the bank. This time I decided to contact the bank in text format. I was told that I didn't qualify for the promotion because the annual fee didn't count and with the annual fee deducted, my spending during the 90-day time frame fell below {$1000.00}. I messaged back explaining that I was told by the rep that any spending counted, and that I had even specifically asked about the annual fee, and was reassured that there wasn't any spending that would be excluded from the total. I then received a reply that basically put all the blame on me saying that I should have reviewed the fine print of the documents myself instead of believing the rep. I find this extremely unfair and unethical of Barclays/XXXX XXXX XXXX and XXXX XXXX. There is no disclaimer on their website warning customers that their reps give out false information. I feel like they took advantage of the fact that I trusted their customer service and are now trying to get out of honoring the promotion. What's ironic is that I even went out of my way to contact customer service and make sure that I was fulfilling the required terms, but my effort in exercising due diligence resulted in me being deceived. Given that their website doesn't warn customers about their customer service reps lying to customers, I'm not sure how I as a customer was supposed to know that I couldn't trust information from a rep and that whenever I get information from a customer rep, I need to do a separate investigation on my own to verify it. My main issue right now is that I was given false information that deceived me into not fulfilling the spending requirements that I had full intention of reaching. I had hoped this was a case of miscommunication caused by an honest mistake by a rep who probably wasn't familiar with the policies. But the subsequent response I've been getting from customer service has basically just been blaming me for trusting the rep 's information and zero acknowledgment that I was lied to. This attempt to cover up makes me wonder if there is internal direction from management instructing customer service to lie to customers and mislead them in a manner that would allow the companies to avoid honoring promotions. I find the airline and bank 's conduct absolutely abhorrent. The only reason I thought the {$89.00} annual fee was worth paying was because of the bonus mileage promotion. I feel like I've just been scammed - actually I was scammed. I am still just shocked by the fact that they are ok with their reps giving false information to customers and even have the gall to blame customers for being gullible enough to trust their reps. Since when did it become the customer 's responsibility to investigate whether customer service is being truthful or not? This is an impossible burden that is being placed on customers. In my experience, whenever I have questions or need clarification, I go to customer service because that's the most direct way, and sometimes the only way, to contact the company. But now, it's being expected for me to verify the information I receive from customer service on my own, so basically even information directly from the company can not be trusted. It seems like XXXX XXXX and Barclays are just trying to create a loophole that would allow them to use their reps to mislead and deceive customers by putting all the responsibility on customers to " verify '' things on their own. Perhaps if their website had a clear warning informing customers that their customer service gives false information, it might be reasonable to expect me to verify that information I received from the rep. But since there is no such disclaimer, I don't know how they can deny any accountability for lying to a customer and the subsequent consequences I suffered as a result of the deception. Right now I just feel so stupid for trusting their customer service reps. I sincerely hope that CFPB can help me. I've tried my best to resolve this on my own, but it seems that these large companies are intent on lying to customers and scamming them and are more than comfortable to ignore any protests or reproach from individual customers like myself. Any assistance is deeply appreciated.
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

2018-08-11

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

Timely Response

2018-08-11

SC

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 submitted a dispute to Barclays Bank Delaware due to a fraudulent account being opened by a prior employee which gained access to all business and personal financial information. Included was a report I filed with Identitytheft.gov, Credit reporting companies that currently had the information on file and a dispute letter written explaining the details of the identity theft. On XX/XX/2018 XXXX responded in a letter stating " We believe the information is accurate '' and are reporting the account as " charged-off-sold with a {$0.00} current balance. I would guess the information would be correct beings I was a victim of identity theft. Please help resolve this issue. This is illegal, not fair and is currently affecting my financial stability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-10

Rialto, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-10

Damascus, PA

Other features, terms, or problems

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

Problem with balance transfer
Company Response: Closed with monetary relief

Timely Response

2018-08-10

Amherst, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-08-10

FL

Other features, terms, or problems

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

Other problem
Complaint: My Barclays Bank of Delaware Rewards MasterCard account was sold to a unsavory financial institution, without my consent. I pay my monthly bills. I asked them why, they told me my account was sold as part of a larger purchase by the other financial institution. I asked why my account they said they couldnt tell was just a bank transaction. No details were given to me. I asked them if I could just close my account so Im not paying such high interest they said the could close my account but would still be under the new bank as of XX/XX/XXXX. Offered me no means of just paying Barclays ( the actual bank for the master card ) and told me was not able to work debt settlement with me anymore. This came out of the blue, I make my payments and pay ridiculously high monthly interest. I feel betrayed, I have Visa card with them that is not involved in this buy out? They said the reason the visa was not sold was because it was opened through 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

2018-08-10

Miami, FL

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2018-08-09

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: Hello dear cfpb I have XXXX XXXX XXXX Credit Card over year and i called to get credit limit increase and my request was declined based on phony fact that i am not using my card. I can not use more then 20 % of my card limit because it will have negative effect on my credit since my card credit limit is only {$5000.00} which is laughable because my XXXX XXXX credit shows i have fico score XXXX and i have credit limit {$99.00} with other creditor. I really think it not fair to not be able to get higher credit limit because i have great credit both business ans personal and i very good income and business revenue. 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

2018-08-09

Lk Buena Vis, FL

Getting a credit card

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

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

Timely Response

2018-08-08

IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I began contacting this BarclayCard in XX/XX/2018. On XX/XX/2018, a letter was sent via certified mail to BarclayCard asking them to verify the debt they said was owed. I specifically requested a copy of the specified application with the " wet ink '' signature. The letter stated that if this request could not be honored, then the alleged debt/account must be deleted/removed. Attached to this letter was a copy of my social security number and driver 's license as means of identification. I then began receiving 3-5 harassing phone calls per day. I respectfully asked for written correspondence on this matter because over the phone, the company refused to assist. On XX/XX/2018, I received written correspondence from BarclayCard stating that the company could not complete my request. The harassing phone calls continued, again around 3-5 calls per day. I again requested written correspondence. The calls again continued. In XX/XX/2018, I received written correspondence from BarclayCard stating they had enclosed a statement. This is not what was requested for validity of this debt/account claim. In response, On XX/XX/2018, I sent a final notice to Barclay Card again requesting a copy of the original credit application or contract with a " wet in '' signature to validate this alleged debt. This request was only met by continuous harassing phone calls. On XX/XX/2018, BarclayCard sent written correspondence stating that they needed " proof of identity '' to process this request ( after already saying they couldn't complete the original request ). Again, the social security card and driver 's license were sent in with the letter dated for XX/XX/2018. On XX/XX/2018, BarclayCard called a family member 's home asking for me. The person told them I was not available. The representative on the phone then released ALL information pertaining to this account without verifying who they were speaking too. BarclayCard disclosed all personal information that was attached to this account including, but not limited to, a name, amount " owed, '' payment history, etc. The person that BarclayCard was speaking to was not asked to verify any information on the account. The person that Barclay was speaking to told the BarclayCard representative that they were not the person they were calling for nor did they have any business with the person that BarclayCard was calling for. Yet the representative continued to disclose all information to the stranger on the other end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-08

Randolph, MN

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: In XXXX of this year I received a promotional credit card offer from Barclaycard Ring MasterCard. The offer stated that I would receive a 0 % APR Interest rate on balance transfers within the first 45 days. It also stated that there would be a 0 % APR for 15-months on the balance transfer balances and new purchases. I received the first statement and I had been charged interest on the balance transfer. I was so busy that I just paid it to avoid any dings on my credit and figured I would call to resolve the issue before the next bill. Well the next bill came and it was much larger and I was still being charged interest. Not the typical monthly compounding interest, but daily compounded interest raising my payments substantially. I called the company to resolve the issue and they claimed that I didn't sign up for the offer for 15-month promotional period. I signed up to pay 10.74 % interest. This couldn't be further from the truth. I then went to download the cardholder agreement and come to find out it's not online. You have to request a copy. Well if they're denying my offer and telling me that it wasn't the offer I signed up for then how should I trust them to send me a legitimate cardholder agreement. I never received the initial cardholder agreement in the mail either. The representatives we spoke with on the phone did nothing to assist in the situation other than deny what I was saying and telling me to send them the offer I received three months ago that has long since been thrown away. I tried to go to the old web page and it has been removed from the website with the exact same promotional offer the only difference being the promotional period of 12-months instead of 15-months. The representatives were rude and wasted almost an hour of my time. They denied that any 15-month offer existed initially. Then they said well it did exist in XXXX and XXXX, but definitely not XXXX. I pointed him to the nerdwallet article I attached below and he claimed that it was outdated, but it's the offer I was mailed. There are plenty of other credit cards with 0 % for XX month promotional periods I could have applied for with a 3 % or less balance transfer fee, which would be a lot cheaper than 10.74 % compounding daily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response