BARCLAYS BANK DELAWARE

2018-06-05

Jacksonville, FL

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

2018-06-05

Nyc, NY

Getting a credit card

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

Application denied
Complaint: Barclays has been ridiculous lately. I have a 720 credit score and recently applied for their XXXX card. I am a longtime Barclay 's cardholder with flawless payment history. They rejected me a few months ago for " too many new accounts and inquiries ''. I waited a few months until my credit strengthened and applied again. With a stronger credit history than when I got my original card with them, THEY DENIED ME SOLELY ON THE BASIS THAT I HAD BEEN DENIED PREVIOUSLY, NOT TAKING INTO ACCOUNT AT ALL THAT I AM A PRISTINE CUSTOMER OR THAT I HAVE NO LATE PAYMENTS OR COLLECTIONS OR ANYTHING BAD ON MY CREDIT AS OF NOW. So I called their reconsideration line and spoke with XXXX, employee ID XXXX and his associate. They had clearly made up their mind that I was an awful credit risk due to my new accounts and inquires. He and his associate half heartedly offered to " reconsider '' my application but essentially gave me the feeling the would deny it anyway because I am this deadbeat who can not be trusted, so I declined. They wouldn't even move part of my existing line to create a new card without a full credit review ( which I feel they would have denied ) because of the dreadful risk that I am ( again, no late payments, or over the limit occurrences ). Further, I should note the only reason I am applying for the XXXX card in the first place is because they won't do a product change of my XXXX XXXX card to the XXXX card. I don't want to close the XXXX XXXX card because it has a long account history. That said, for both their XXXX and XXXX products, they told me I had to apply for new cards ... and then denied me for applying for new cards. I admit that I use credit, am constantly looking for lower interest rates and better rewards, so I open/close credit cards regularly. That said, I pay them. XXXX should have to take into account the fact that I'm a good customer when approving applications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-04

Indianapolis, IN

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

2018-06-04

East Carolina Univ, NC

Incorrect information on your report

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

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

2018-06-04

Bedford, TX

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

2018-06-03

Wallington, NJ

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: I spoke with an account rep who was not a manager on XX/XX/18 at XXXX. I explained to him that I felt that I wasn't being treated properly because my credit line was reduced coincidentally on the same day that I filed a dispute on one of the charges on my account. I have filed two disputes over the last year with this company and both times they automatically declined my dispute without further investigation. I find it appalling the way they treat people, especially customers who have an excellent payment history with them. My credit line was reduced from $ XXXX to $ XXXX. When I asked the rep to review my account and give me my credit line back he proceeded to ask me a ton of questions and then stated that he would not be able to give me my credit line back. I then asked to speak with a supervisor and spoke with XXXX, agent ID # XXXX who proceeded to tell me there was nothing he could do to help me at this time. I was also sent a letter stating that my line was reduced because my credit score dropped to XXXX. Once I confronted them about the letter they than tried to cover their tracks by saying that it was because I had incurred more debt since I obtained their BUSINESS credit card. Are they kidding me? My debt fluctuates do to my growing business. At times I carry debt and at other times I carry no debt. If their excuse was valid than other credit card companies would have done the same. It is a bogus excuse and will not be tolerated or ignored.
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

2018-06-02

Lewisville, TX

Fees or interest

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

Problem with fees
Complaint: I have an auto payment setup on my Barclays credit card from a XXXX checking account. In XXXX, I got large amount of fraud transactions on the checking account and those transactions continue for a week. XXXX bankers and I discussed about the issue and we have to freeze the account and investigate all the transactions. I filled reports to the police office and all the recommended agencies ( CFPB complaint # XXXX, XXXX Police Department case # XXXX ). During that time, an auto payment was made to my Barclays credit card from the frozen XXXX account. I made payment in time after the issue was fixed. However, I was still charged XXXX dollars on the next statement as returned payment fee. I called customer service and explained the situation. But they still insisted on charging the returned payment fee. There shouldnt be a fee charged to a customer when the returned payment happened because the customer was trying to fight fraud and protect his/her personal property.
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

2018-06-01

Wakarusa, KS

Incorrect information on your report

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

Account information incorrect
Complaint: I have disputed with the credit bureaus and Barclays Bank of DE on numerous occasions with no success. Barclays has been reporting a balance of {$820.00} on my credit report on a charge off account that they have written off and sold to a collection agency. I have disputed the fact with them that they are reporting a balance on an account that they have sold to a collection agency and have written off. I have also tried to get this account resolved by sending them a check ( including pictures with my complaint ) the check was in the amount of {$50.00} along with a letter stating if they cashed this check this account was considered paid in full and would be removed from my credit report. I also wrote this on the check. Barclays cashed my check and updated my account by applying it to the balance therefore changing the balance on my credit report to {$770.00} which was not what the terms stated. I am asking that this account be removed from 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

2018-06-01

PA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem accessing account
Complaint: I opened a cd with Barclaysus on XX/XX/XXXX and funded it with {$100.00} on XX/XX/XXXX. After the funding I had several issues accessing my account but did not really care since I had confirmation the account was set up and I was getting monthly notifications. I tried to sign in again today and could not log on. I called them and confirmed all of my information. They transferred me to their security team who told me the account was under investigation as fraudulent. She said they closed the account in XX/XX/XXXX and refunded my money. She also said Barclays spoke to me in XX/XX/XXXX and explained that I was scammed. She said the money was refunded to the account it came from. I received no call from Barclays in XX/XX/XXXX and they never refunded the {$100.00} to my bank account. I want my money back and if I was indeed a victim of identity theft, it seems like Im entitled to notification of that in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-31

San Antonio, TX

Getting a credit card

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

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

Timely Response

2018-05-31

Rochdale, NY

Fees or interest

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

Charged too much interest
Complaint: Hello, I am contacting you about my Barclays XXXX XXXX XXXX. I think it is safe to say that they assume that customers are not capable of calculating what their interest rate is or how it is applied. They have been fudging the numbers on my account for a very long time by adding hundreds of dollars to the opening balance each month so that it is always different from the balance carried over after payment the previous month. For example for a balance of {$500.00} ending the month of XX/XX/XXXX with no other purchases they will make the opening balance {$590.00} plus the new interest charges for the month of XX/XX/XXXX. The interest charge is also doubled to twice the amount it should be. Each time you contact them they send a cut and paste response that does not address the thievery. You can never continue a conversation started because there is no way to reply. Instead the top of each of their replies start with " This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab. '' The last reply I got onXX/XX/XXXX from them attempted to lie and explain the fraudulent interest calculation with an open sentence that they did not even bother to finish. " At this time we would like to confirm your interest charge is calculated using the average daily balance for the entire billing cycle and includes new purchases, it is not based on the beginning balance. The amount of XXXX showing on your statement under the 'Interest Charge Calculation ' section is the average daily balance for your '' I believe it is easier for them to steal from people with larger balances so they do so with reckless abandon leaving the consumer deeper and deeper in debt for the greed of inept corrupt government. Ending balances, payment made and statement information available if and when needed. Please assist. 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

2018-05-30

Plymouth, CT

Getting a credit card

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

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

Timely Response

2018-05-30

IL

Incorrect information on your report

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

Information belongs to someone else
Complaint: My life has been turned upside down. Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Company Response: Closed with explanation

Timely Response

2018-05-30

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-05-30

Cheverly, MD

Struggling to pay your bill

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

Filed for bankruptcy
Complaint: I made a request for a copy of my online application filled out online to get this credit card XX/XX/2018. I did not receive it. May I have a copy of my online application filled out online to get this 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

2018-05-30

Columbus, OH

Advertising and marketing, including promotional offers

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

Confusing or misleading advertising about the credit 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

2018-05-30

Elk Grove Village, IL

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

2018-05-29

Plymouth, FL

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

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

Their investigation did not fix an error on your report
Complaint: On XX/XX/XXXX. I had sent the executives of Barclaycard a letter requesting a goodwill adjustment of late payments reflecting on my credit reports for the months of XX/XX/XXXX through XX/XX/XXXX.I had explained that it was an exceptionally difficult and chaotic time in my life as I was balancing the birth of my XXXX child onXX/XX/XXXX and dealing with recovering from Hurricane Irmas devastation to our home in XX/XX/XXXX all while managing a family of XXXX on a single ( XXXX XXXX XXXX ) paycheck. My husband was out of work and due to me being on XXXX XXXX my reduced paycheck was the only source of income providing for my family. It was extremely challenging to provide the basic necessities day in and out. I thought once I was able to return to work fulltime from XXXX XXXX my finances would turnaround but then we were hit with Hurricane Irma in XX/XX/XXXX. The Hurricane knocked out our power, damaged our house and roof. We had to temporarily move out of our home and take up residence in a hotel. We were stuck with making very difficult decisions weighing our financial obligations with basic living necessities. That was a very dark time for my family, but thankfully we survived this setback. Now that I have found a prosperous balance in my life and gone back to work full time, I honestly can not associate with the person that let this payment obligation go unattended to. I fully respect my obligations with Barclay and have worked diligently to amend my relationship with you by regaining your trust. I am working on my credit and trying to provide a better life for my XXXX children. I m not proud of this black mark on my record, but I was making payments with as much money I could scrape together during that rough period. A brief look at my account will reveal I have successfully made 5 full on time payments since my unfortunate lapse of judgment. I realize I made a mistake in falling behind, but up until that point my payment history with you had been spotless. When I was able to fully work again, I quickly resumed paying my credit card balance, making it a top priority. I included proof of my being out on XXXX XXXX in XXXX and that I was impacted by Hurricane Irma. Shortly after sending the letter to the office of the president and other executives, I received a call from XXXX a representative from the office of the President. She stated she will look into my case and get back to me. XXXX got back to me a few weeks later to inform me that although they can not remove all 6 late payments from my credit file they were able to remove the XX/XX/XXXX, XX/XX/XXXX, and XXXX late reportings from all of my credit reports due to the Hurricane. She stated it will be updated with the XX/XX/XXXX reporting of my payments. I had asked her if she could send me that in writing for my records. She agreed and stated that she will mail out a letter shortly. The XXXX adjustments were made and all 3 major credit bureaus were reflecting late payments for only XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Although it was not all of the late payments I was content the removal of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I received a call from XXXX stating that Barclay is no longer going to honor the agreement of removing the 3 months late notification and will be adding them back onto my credit report. I asked for Barclay not to do that and to honor their agreement and that this would be more damaging than if they were not to remove the late payments in the first place. XXXX stated unfortunately, they had already submitted the request to walk-back those 3 months. She further explained that the reason this was happening is due to my request for a letter documenting what they had promised ( remove XX/XX/XXXX thru XX/XX/XXXX late payment reportings ). Baclay is acting unreasonable and is not honoring their agreement. My credit scores have now dropped further below the score prior to having the late payments removed. Barclay 's actions were damaging and in direct violation of my rights as it pertains to the FCRA. Barclay should honor commitments and they should be more member centric. This is no way to conduct business. I attached proof of the adjustments made to my credit reports and the goodwill letter to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-28

Brooklyn, NY

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays 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

2018-05-27

Arco, CA

Incorrect information on your report

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

Account information incorrect
Complaint: Barclays Bank Account opened XX/XX/2013 per credit report is reporting a balance on a charged off 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

2018-05-27

Cocoa, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 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

2018-05-27

Anaheim, CA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On my bank statement from XX/XX/17 to XX/XX/17 I observed 4 charges that I did not recognize and therefore I wanted to dispute them. The fit time I called the bank Barclay they asked a few questions and they determined that the charges were made by me. They advised that they were able to verify that the transactions were made by me therefore they will not initiate a dispute investigation event that is a violation of my consumer rights. Barclays can just assume because I am the cardholder all the transactions were made or authorized. Out of the 4 charges I have dealt with 2 vendors in the past but the charges that appears on my statement were not made nor authorized by me that I can recall. If the charges were made by me I demand from the bank to prove me with a voucher form the vendors on the amount of all 4 charges along with my signature. I have requested to escalate this issue with upper management at the bank and I was told that someone will contact me back since the first time I contacted to the bank and as of today I have not received a phone call from anyone at the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-26

TN

Incorrect information on your report

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

Account information incorrect
Complaint: I have submitted so many complaints to you about my problems with this company they have made both you and I promises which they never kept. I have attached the most recent one you handled with them. I would have filed a complaint with the XXXX but from my research they already have over 1400 complaints filed with them with about the same things stated that I have said to you. The reason I am writing you today is because of what they reflected to the credit reporting agencies and its effect it had on me. I had applied for a bill consolidation loan it would have allowed me to not only pay this company off but also to catch up on my overdue medical bills and continue to get the needed urgeant medical care I needed. At the time I applied for the loan my credit score was XXXX which was good enough for the loan to go thru all the paperwork was submitted and the loan was going to be approved untill Barclaycard reported my account as late and past due i was informed by the loan company I no longer could get the needed money now with this being the only negative mark on my credit report it did talke and make a large impact on my score it fell from XXXX to XXXX because of barclaycard actions they have now caused extreame and great hardship on me.This company is out of control and someone needs to do something to stop them from actions such as this. By doing what they did they have decided what my future health will be I dont know what to do now. They should be sued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-26

Chandler, AZ

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

2018-05-26

Grand Prairie, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: On XX/XX/2018, I applied on the Barclay website for an increased credit limit. I looked closely for any terms indicating a " hard pull ''. I submitted the request after no indication of a hard inquiry. Barclays said they did a hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response