BARCLAYS BANK DELAWARE

2018-08-08

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

2018-08-08

NY

Fees or interest

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

Charged too much interest
Complaint: I never received the bill from Barclaycard, and they assessed an interest rate of 26 % ( which I believe is anyway illegal and usurious ) I called and they said they can not waive the {$1300.00} 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

2018-08-07

Garrett Park, MD

Closing your account

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

Can't close your account
Complaint: XXXX - CFPB allows the Safe Harbor act to be violated and are totally useless to protect citizens from banks. You are a complete waste of our tax dollars!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-07

Brooklyn, NY

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Complaint: I received a letter stating that my payment to XXXX XXXX XXXX XXXX account in the amount of {$560.00} was returned to my bank on XX/XX/18. I never forward a payment Because I never was aware of this 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

2018-08-07

IA

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 WAS GOING THRU SOME OF MY OLD STATEMENTS AND FOUND A CHARGE I DID NOT APROVE. SO ON XXXX I CALLED XXXX XXXX AT XXXX FOR CARD NUMBER ENDING IN XXXX I SPOKE WITH XXXX AND EXPLAINED THAT I FOUND A CHARGE ON MY CREDIT CARD FROM XXXX MERCHANT NAME WAS XXXX XXXX XXXX FOR {$2100.00}. AFTER EXPLAINING THAT I DID NOT GIVE THIS COMPANY MY INFORMATION AND DID NOT DO BUISNESS WITH THEM SHE PUT IN A FRAUD COMPLAINT AND THAT CASE NUMBER IS XXXX. AFTER A FEW WEEKS I GOT A LETTER FROM XXXX STATING THAT THEY CANT HELP ME CAUSE IT EXCEEDS THE DATE IN MY TERMS AND CONDITIONS! IM SORRY BUT IM SUPPOSED TO BE PROTECTED FROM FRAUD AND HAVE FRAUD INSURANCE THIS IS NOT RIGHT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-07

Houston, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: There are items still showing up on my credit file that has been removed over 18 years ago. Barclays bank credit card company just sent me a denied notice for a credit card and everything that is stated as a reason not to approve me for credit card is wrong and illegal. They stated that they have a charge-off, bankruptcy, severe delinquency, negative performance and that no credit bureau report was not used in making this determination. also, XXXX XXXX has done the same thing. What can be done about this wrong doing by these companies. These types of denials show not be use against me by Federal Laws under the fair credit reporting service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-06

Parsippany, NJ

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

2018-08-06

Charlotte, NC

Fees or interest

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

Problem with fees
Complaint: I was changed an annual fee in XX/XX/XXXX ( approx. {$490.00} ) and Barclays closed my card in XX/XX/XXXX. I requested my annual fee be prorated since I am no longer eligible to use the benefits associated with membership but was denied. I spoke with XXXX ( XXXX ) who was a manager who refused to prorate the membership fee. I was told this was described in the terms and conditions but have been unable to locate the passage. I feel this is an unethical practice by Barclays, is very misleading, and may break consumer laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-06

Beachwood, OH

Closing your account

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

Company closed your account
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

2018-08-06

Costa Mesa, CA

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

2018-08-06

Bancroft Hall, 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
Complaint: Hello, On XX/XX/XXXX this year I closed a Credit card Account with Barclays Bank. There was a pending balance on the card when closed so the belief was the card was paid off in full. 2 months later My credit score dropped by 100 points and this is how I was notified of a balance on the card. I contacted Barclays and Paid the card in full. When questioned why I had not received any notification of balance they stated that they sent me email notification. Checking my mailbox and spam I received no notifications. I asked for proof of notification and the refused to send me proof of emails from Barclays to myself stating I owed money on my card. On XX/XX/XXXX I opened a XXXX credit dispute. The results of that investigation removed the late payment discrepancy from my credit report. When I started a XXXX dispute on XX/XX/XXXX I received the results of this dispute on XX/XX/XXXX stating that the information was accurate. Since the two investigations should have been the same. the Late payment should be taken off all of my credit reports. Thank you so much
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

2018-08-05

Sayreville, NJ

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

2018-08-04

Baxter Estates, 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

2018-08-04

Seneca, 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 reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-04

Albuquerque, NM

Credit monitoring or identity theft protection services

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

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

Timely Response

2018-08-03

Glendale, CO

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
Complaint: I opened a barclays credit card a few years ago through XXXX XXXX and my account was closed at my request I think two years ago. Since then Barclayscard will not permit me to pay my bill online. I am required to mail or phone in a payment method. I have had issues paying my overall credit debt so I have obtained services from XXXX XXXX XXXX. When they reached out to Barclays I was denied to be put on the program. I had to call BarclaysCard 10 times until they would give me a straight answer and kept trying to get me to use their approved list of credit counseling programs. They also told me my account will need to be at least 3 months behind to get offers and to be on credit counseling -- this is not good!! They want me to go behind and hurt my credit scores. The collection department stated I couldn't be on a program because I missed payments. I was asked for the 10th time to enroll in their own program paying $ XXXX/month. This is such an unfair business practice to have. They do this on purpose so you miss payments and have to pay extra 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

2018-08-03

Powder Spgs, GA

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 monetary relief

Timely Response

2018-08-02

Laurel, MD

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-02

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

Timely Response

2018-08-01

Boston, MA

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

2018-08-01

Mid City West, PA

Problem with a purchase shown on your statement

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

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: I received a call from " XXXX '' XXXX ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for {$3200.00}. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. I received a call from " XXXX '' security ( my computer security company ) telling me they are going out of business. He said XXXX wanted to refund my {$200.00} lifetime security payment on my MasterCard. I said fine. He asked me to wait while he refunded the {$200.00}. Then he said " Oops '', he " accidentally '' refunded {$3200.00} on my MasterCard instead of {$200.00}. He invited me to check and confirm this on my online MasterCard account which I did while we were on the phone. I saw the entry for the {$3200.00} " credit ''. It later disappeared. He said they could " enter '' a charge on my card but could not " delete '' a charge or " change '' a charge on a credit card. I therefore owed them {$3000.00}. I believed him because I saw the {$3200.00} " refund '' on my online MasterCard account. He asked me to go to my local XXXX XXXX, buy a {$3000.00} gift card, then give him the gift card number. He stayed on the line while I walked to the XXXX XXXX. I had to buy two {$1500.00} gift cards on my MasterCard because XXXX doesn't sell {$3000.00} gift cards. I read him the numbers. We hung up. When I got home I became suspicious and called XXXX. They ARE NOT GOING OUT OF BUSINESS. THEY DID NOT CALL ME. They don't call people. They email only. It was a scam. They didn't do it and couldn't do anything to correct it. They suggested I call MasterCard. MasterCard will not refund or credit the {$3000.00} back to my account because it was " Voluntary on my part ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-08-01

Chester, NY

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/2017, XXXX charged my credit card promising the creation of a Brand Of products to be sold online, especially on XXXX. The couching sessions, bonuses, and other promises never materialized. Attached you will find documentations showing my repeated attempts to get the money refunded and the FTC suit against the XXXX XXXX. BARCLAYS bank claims that since I paid the balance in full, I can no longer claim a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-31

San Antonio, TX

Other features, terms, or problems

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

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

Timely Response

2018-07-31

Henrico, VA

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

2018-07-31

KS

Problem with the payoff process at the end of the loan

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

Complaint: On XX/XX/XXXX, I paid off my Barclaycard Loan in the amount of {XXXX}. On XX/XX/XXXX I received an email that the next payment was pending, but since I had literally just paid it off 48 hours before, I assumed things would catch up. On Monday, XX/XX/XXXX, the next payment of {XXXX} was debited from our family checking account. Within minutes of it being debited, I received a " paid in full and account closed '' email from Barclay card. I called them immediately, and they told me it was a " glitch '' in their system and that they weren't sure why it happened. They said they would issue a refund, and despite my request for them to issue it electronically, they said they were unable to, that they had to issue a paper check and I would have it within two weeks. ( I found it odd they were unable to issue an electronic refund when the loan proceeds were deposited to our joint checking account electronically and the payment was withdrawn electronically ... ) Since the XXXX of XXXX holiday affected mail, my wife called on XX/XX/XXXX. On XX/XX/XXXX she spoke with a representative who said a refund had never been initiated. She asked to speak with a supervisor and spoke with XXXX, who said he would escalate it and see if he could get the funds wired back to us. As this loan was obtained when we were in the middle of a move, he needed to update our address. We had the email updating our address within a few minutes after the call. He said he would call us back by Wednesday, XX/XX/XXXX, and that they were there till midnight so to call him if we did not hear from him. We called XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX. to find the lines were closed ( a recording says their office hours are until XXXX XXXX. ) and we were unable to get through to anyone. Thursday, XX/XX/XXXX my wife called XXXX and they were unable to locate XXXX and said he was in a meeting. She tried again several hours later and again they were unable to locate XXXX. That evening she received a voicemail on her phone from someone named XXXX ( is what it sounds like ) saying THEY had escalated the complaint and that it would be ANOTHER 48 hours before they were able to process the refund. On Friday, XX/XX/XXXX my wife again called the XXXX number and again was unable to reach a supervisor, but the rep she spoke with said they were unable to wire the funds back into the account. She asked for a call back within a specific timeframe and did not receive one. On Monday, XX/XX/XXXX my wife again called the XXXX number and was told that she wasn't on the loan and no one should have been speaking with her ( despite the fact they'd been doing so all week and even left a message on her voicemail ), but that a refund check had been processed and should arrive within 7-10 business days. They said it would arrive in a plain, white envelope. They said if we did not hear back from them by XX/XX/XXXX to call again. On Monday, XX/XX/XXXX I called the XXXX number and spoke with rep XXXX who then transferred me to supervisor XXXX. XXXX informed me that the refund had been issued to our checking account on XX/XX/XXXX. We logged into our account where there has not been any deposits from them to date. We offered to send them a screenshot or our statement proving we had not received the funds. She is supposed to personally walk down to the department tomorrow, XX/XX/2018, and investigate, but reiterated our options were to continue to wait for the check ( which could be an additional two weeks - taking our total to eight weeks without these monies ) or escalate which may happen faster. My concerns are several : 1. They withdrew money after receiving the payoff and have held it for more than 6 weeks. ( We were paying them 17.99 % interest. ) 2. They violated my privacy and spoke with my wife who was not on the account on more than one occasion. ( We can forward you a voicemail they left on my wife 's phone. ) 3. They have repeatedly failed to refund the monies owed to us despite numerous contacts that we have had initiated. As a XXXX ( and my wife busy parenting our XXXX children plus XXXX foster kids ), this has taken an INORDINATE amount of 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