BARCLAYS BANK DELAWARE

2018-07-24

Reno, NV

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

2018-07-24

Quartzsite, AZ

Other features, terms, or problems

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

Other problem
Complaint: I have an account with Barclays Bank XXXX extra points reward credit card. This card was issued to me a couple of years ago knowing that i had a BK back in XX/XX/2009. I just received a letter from them stating that because of this they have lowered the available credit limit by XXXX. They arbitrarily did this by running a new credit report and seeing that i had other accounts with balances however they cited the first reason for lowering the credit line was that i had a public record file from XX/XX/2009 which they already knew when they issued the card! In addition to this i have NO late payments with them and always pay MORE than the minimum due. I spoke to customer service with a XXXX who said that they didn't like how many outstanding accounts i had and decided to lower the credit line. In doing this by cutting down the available credit availability they are damaging my FICO score by increasing the amount percentage of utilization by lowering the available credit line that they established. This is a completely unfair practice given my payment history with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-24

Fort Pierce, FL

Improper use of your report

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

Reporting company used your report improperly
Complaint: I was buying XXXX XXXX XXXX XXXX, spoke to customer care in XXXX XXXX, XXXX XXXX that, that specific product is not available in other store than XXXX XXXX itself, so suggested go financing for 18month @ 0 % interest.so it took me to barclaycard website.so I applied.they denied my credit.i just checked my credit report that they did a hard inquiry on my report, which is not right.please help protect my right.thanks.im an us cutizen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-24

Troy, MI

Incorrect information on your report

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

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

Timely Response

2018-07-23

Los Indios, TX

Getting a line of credit

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

Complaint: I received by mail a " Pre Screened '' offer from Barclays Bank of Delaware to apply for a personal loan between {$5000.00} to {$35000.00} ( if approved ). The following paragraph is what prompted me to inquire about credit rates : " Checking the rate and terms you may qualify for will not impact your credit information. However, if you submit a completed application to obtain a loan, your credit score and information may be affected. '' The letter very clearly states that the applicant is allowed to check his/hers credit rate and terms, before applying for credit without having an impact to their credit information. Once I filled out the required data to check for the best credit rate for me, I waited for the information requested. Instead I received an instant message on my screen and an email stating that my application for credit was denied. The information I submitted was only to be used the check the credit rate and terms, not to apply for credit. Because of this action my credit score has been negatively impacted and I feel this company was deceitful in the way their website handles consumer 's information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-23

Bohemia, NY

Incorrect information on your report

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

Account information 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

2018-07-23

San Francisco, CA

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

Timely Response

2018-07-22

Glendale, CO

Incorrect information on your report

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

Account status incorrect
Complaint: Barclays Bank of Delaware was made aware that it was opened fraud. I did not open this account and I asked that it be deleted from my info. I sent them a copy of the police report and sent numerous letters. they were suppose to delete this from my info and not report as closed and still left it on my credit report. there should be laws governing these type of maneuvers by consumers against people who file complaints. I have spent years trying to get this company to remedy this complaint. I have sent the following documents listed below Copy of Police Report copy od Drivers Kicense Copy of Social Security Card Numerous Letters
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-21

Adelanto, 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

2018-07-20

Missouri City, TX

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

2018-07-20

Kawaihae, HI

Problem with a credit reporting company's investigation into an existing problem

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/XXXX a charge was posted to my Barclay card for XXXX from XXXX software protection. I had NO idea. I had no balance on this card for over a year and NO payments. I was finally notified by Barclay on XX/XX/XXXX that I owed XXXX and it was late 4 months. I was so surprised and argued with them that I had not charged anything on this card for about a year. I was never notified by either party Barclay or XXXX about the charge. The rep for Barclay did reverse the XXXX late fee for 3 months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I payed the balance off on that phone call XXXX XX/XX/XXXX. I still had to pay XX/XX/XXXX & XX/XX/XXXX late fee and interest the whole time. I was never contacted once about this fiasco.My credit score before this happened was XXXX and now is XXXX. Now I find out they closed my acct on XX/XX/XXXX. I want my acct back and my credit purged back to XXXX and I think the credit card company owes me the fees back.
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

2018-07-20

Riverdale, GA

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

2018-07-20

Alexandria, VA

Incorrect information on your report

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

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

Timely Response

2018-07-19

Houston, TX

Closing your account

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

Can't close your account
Complaint: Called to open my brand new credit card and the representative on the other line started questioning my identity when I had clearly answered all of the security questions. She asked me very personal questions related to my education and wether or not I had graduated from college or high school. Not only did she discrimaminated against me because I am XXXX but I'm sorry I have credit cards over {$10000.00} dollars. Why in the world would I do any business with this bank that gave me a {$1000.00} credit card account. Ridicoulous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-19

New Bedford, MA

Fees or interest

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

Problem with fees
Complaint: I contacted Barclay card about lowering the interest rate on my account so more of my payment is made towards the balance, they refused and their reasoning is because the balance is to high. The purpose of a lower interest rate to pay down the balance. With the existing interest rate on the account the monthly payment is becoming to much and I will not be able to pay it next billing cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-19

Billerica, MA

Other features, terms, or problems

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

Problem with rewards from credit card
Complaint: My husband and I got XXXX XXXX / XXXX XXXX XXXX ONLY so that I could get Mosaic status. The invitation was in his name so, somehow HE became the primary account holder. I called and asked how I get Mosaic status and the rep TOLD ME " ... just spend $ XXXX ''. I fly EVERY week for work. He never travels. I put an entire kitchen renovation on this card to get to $ XXXX. And now that we've reached the $ XXXX threshold, I'm told that only HE gets Mosaic status, not me!? And they can't switch the primary account holder ( even though my credit score is better than his ) or transfer the Mosaic status!? How do I resolve this?! I've been putting absolutely everything on this card and NOW they say this benefit only applies to him!? That's NOT what the rep told me when I opened the card! Completely deceptive and unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-19

Clearwater, FL

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

2018-07-18

Sanford, FL

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

2018-07-18

Marietta, GA

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

2018-07-18

Kawaihae, HI

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 explanation

Timely Response

2018-07-17

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

2018-07-17

Key Biscayne, FL

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, I requested an online US {$3000.00} Balance Transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be done on my Visa XXXX XXXX credit card. After a few days, I realized that the amount requested wasnt accredited to my XXXX credit card, but totally charged to my XXXX XXXX master card, and fees. Then, on XX/XX/XXXX, I called Barclaycard Customer Care Dept., and requested to cancel the transaction, because still wasnt effective to my external credit card on that date, so it was created the case number XXXX. They said I would have response within 15 days later. On XX/XX/XXXX. I have sent an e-mail to Barclaycard Customer Care dept., requesting a solution, but they confirmed case was still created, but will take between 30-60 days. Because I didnt get any information, another e-mail was sent from me on XX/XX/XXXX, and their response was, that the worker assigned to my case was unable to reverse the balance transfer, as the payment had already been sent, and, supposedly, a proof of payment letter was sent to my mailing address, to provide it to my external bank ( XXXX ). They also said, that when that event happen, the bank will locate the funds. But, really, that supposed letter never was sent or received to my mailing address, and the funds requested was never transfered to my XXXX XXXX credit card account. Besides, what I requested was an electronic balance transfer, not a letter to be provided by myself to the external bank. On XX/XX/XXXX, XXXX answered another e-mail to me, that the case can not be opened or updated, and that a manager will contact me, but that also never happened. The amount of US {$3000.00} and related fees, US {$90.00} per transaction, and {$75.00} interest montly, are still charged in may XXXX XXXX Mastercard, which certainly is affecting my finances and credit report. Please help me.
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

2018-07-17

Louisville, KY

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

2018-07-16

Columbia, MD

Fees or interest

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

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

Timely Response

2018-07-15

NH

Problem with a purchase shown on your statement

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

Overcharged for something you did purchase with the card
Complaint: This credit card company decreased by credit limit and then hit me with a finance charge ( $ 400+ ) for a purchase sometime ago. For a credit card I rarely used, now my balance is over the limit and I will continue getting charged due to the face that they decreased my limit at the same time they hit me with the finance charge.I have never had any late payments or issues. I'm not complaining about the finance charge, I'm upset that they lowered my limit and then hit me with the charge so they could collect even more. How is that allowed?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response