BARCLAYS BANK DELAWARE

2018-05-03

Jamison, 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
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

2018-05-03

Palos Park, IL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: This Is a Account I Got Back Around XX/XX/XXXX I Lost My Job The Following Year And Around XX/XX/XXXX I Was Unable To Afford And Or Make Payments On The Account In XX/XX/XXXX The Account Was Labled On My Credit As A Clsed And Charged Off Account And Is Still Reporting On My Credit Report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

MA

Getting a credit card

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

Delay in processing application
Complaint: I was looking to establish a credit line ( through XXXX XXXX ) online for the purchase of a new cell phone. I was notified after electronically applying, that " additional information '' was going to be needed to properly process my application. " Barclays Credit Card '' requested that I send them photo copies ( both sides ) of my Drivers License AND my Social Security Card.. I have a " XXXX '' credit score across all three reporting bureaus. Although I'm personally offended ( considering my credit worthiness ) I also believe some type of " scam '' is somehow in place if Operator License info and both sides of a Social Security Card are being requested - especially in today 's day and age, with all the attempts at ID fraud etc.. PLEASE look into this!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Belmont Shore, CA

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

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

Was not notified of investigation status or results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-02

False statements or representation

Debt collection: Credit card debt

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

Timely Response

2018-05-02

Winters, CA

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

2018-05-02

Dover, NJ

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

2018-05-02

Five Points, NC

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: On XX/XX/XXXX, I was made aware that two credit cards were opened fraudulently in my name as a result of identity theft. One of the cards was a XXXX XXXX XXXX by XXXX. I was told, by XXXX, that it was opened up on XX/XX/XXXX, online on the XXXX website. Someone then went into a XXXX XXXX, in XXXX California, on XX/XX/XXXX ( the same day ) and made a charge of {$810.00} for a hotel stay. This card was opened fraudulently online, and it was not me checking into the hotel in California. I live on the XXXX XXXX and have proof that I was in my hometown shopping at XXXX on the date of XX/XX/2018. I have proof of other transactions before and after this date showing that I was on the XXXX XXXX the entire time of question. I became aware of these activities on XX/XX/XXXX. I quickly put a freeze on all three credit reporting services. I called XXXX and told them that the card was opened fraudulently and to shut it down. XXXX said that they are closing the account as fraud, and that they will be sending me a Fraud Affidavit to fill out and sign. A Fraud Affidavit letter was never sent to me. I received a letter, dated XX/XX/XXXX, stating that their " investigation in now complete and our research indicates that the account is valid. '' I called them and told them again to shut it down. I then receive the bill on XX/XX/XXXX showing that I am responsible for the hotel stay. I again call XXXX and asked how come the transaction went through. I find out, that on the day the card was opened ( XXXX, online at XXXX XXXX EST ) someone ( not me ) checked in with a PRINT OUT approval letter and credit card number ( not an actual card ) and showed ID to match to check in. So, XXXX for their fraud investigation, phones the hotel to verify if it is fraudulent. The hotel attendant states that it is their policy to check ID to verify the charge and that they did this for the {$810.00} charge. It is impossible that they had a physical card to swipe, because it had just been opened earlier that day, AND I received the physical card about 10 days later. XXXX is not reporting the card as fraud and I am responsible for the charge because the hotel it saying that they checked ID- that's their statement. I had mentioned in the beginning that two cards were opened up. The other one was a XXXX XXXX. I called them on the same day ( XXXX ), they shut down the card and sent me a letter dated XX/XX/XXXX, acknowledging that the application was fraudulent. Thus, I have proof that I was on the XXXX XXXX and NOT in California on XXXX, another card was opened fraudulently in my name, and XXXX still claims the card was not fraudulently opened because they believe the hotel attendant 's story about showing ID to check in with a print out approval letter for a card that was opened hours earlier. I can send related documents if requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Franklin, TN

Communication tactics

Debt collection: Credit card debt

Used obscene, profane, or other abusive language
Complaint: One rep says they made a mistake and will remove the account - now another rep says that I owe this valid debt from 2011 and want the payment in full ( somehow went from {$300.00} to $ XXXX ). No one help 's at Barclay 's and they are trashing my good credit by reporting the account late 90+days every month!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-01

Wallingford, CT

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

2018-04-30

Hutchinson, KS

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-28

Three Bridges, NJ

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

2018-04-27

Tulsa, OK

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

2018-04-27

Allentown, PA

Fees or interest

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

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-27

Bedford, TX

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On XX/XX/XXXX I noticed a charge of {$870.00} on XX/XX/XXXX on my credit card to a hotel in New York. I called that day to report that I did not charge that on my card. They told me that they would start a fraud case. On XX/XX/XXXX, I emailed them to see what they have done so far, and they sent out a generic email stating that it could take up to 90 days. I emailed them again on XX/XX/XXXX and then got another generic email stating it is being worked on. On XX/XX/XXXX I called fraud department because it has been over 90 days and they said they knew nothing about it..I spoke with " XXXX ''. He said that he would credit me that money along with any interest on it that was charged to me. That it would be credited to my cancelled card, which makes no sense because that card is cancelled and I have a new card. They have a duty to their customers to protect their cards from fraud, which they have not done!
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

2018-04-27

Three Bridges, NJ

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Barclay 's has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-26

Long Beach, CA

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, a friend and I attended a timeshare sales presentation at the XXXX XXXX XXXX XXXX ( XXXX ) in XXXX XXXX, during which we were induced to purchase timeshares as a direct result of the material misrepresentations made by the XXXX sales representatives. My friend and I are owners of separate timeshare properties through the XXXX XXXX XXXX XXXX ( XXXX ). We both advised the XXXX sales representatives that we were reluctant to purchase a timeshare property at XXXX because neither one of us had any interest in owning two ( 2 ) timeshare properties, respectively. The representatives told us that if we purchased the timeshare from XXXX, they would arrange for the sale of our current timeshare properties. In furtherance of that claim, the representative told us that he was going to immediately send XXXX XXXX XXXX ( {$10000.00} ) to XXXX towards the payoff of our respective XXXX contracts. However, he told us that we had to sign the purchase agreement first. Relying on this promise, we both signed our purchase agreements. He then left the room to purportedly send the XXXX XXXX XXXX ( {$10000.00} ) to XXXX. In addition, in exchange for the alleged {$10000.00} payment, we were required to waive the contractual rescission period. As part of this fraudulent transaction, we were also required to make a non-refundable deposit, again, in exchange for XXXX making the aforementioned {$10000.00} payment to XXXX. To facilitate the payment of the deposit, we were was required to open a Barclays/XXXX credit card. XXXX XXXX XXXX ( {$4000.00} ) of a XXXX XXXX XXXX ( {$6000.00} ) down payment was charged to the newly opened account. I paid the remaining XXXX XXXX XXXX ( {$2000.00} ) using my debit card. ( I will address that issue in a separate complaint. ) I was told that I had Ninety ( 90 ) days to pay the remaining balance owed on the timeshare contract. During the presentation, the XXXX representatives also assured us that XXXX had engaged a reputable timeshare resale company, XXXX, to sell the remaining interest in our XXXX timeshare properties. The representative told us that he had spoken to XXXXs representative and she assured him that XXXX would sell our XXXX timeshare in a reasonable period of time and remit the profits from the sale, if any, to us. On XX/XX/XXXX, I received a poorly written one page document from XXXX at XXXX, which purported to be a Mutual Release. She instructed me to send the document to XXXX in order to start the process of selling my timeshare. The document was on plain paper without corporate letterhead and did not appear to be an effective means for transferring ownership given that it would require XXXX to release me from my obligations under my XXXX ownership agreement for the sum of One Dollar ( {$1.00} ). The document appeared to be nothing more than a fraudulent attempt to pacify me. On XX/XX/XXXX, I contacted XXXX and was advised that XXXX never received XXXX XXXX XXXX ( {$10000.00} ) or any other sum from XXXX toward the payment of my XXXX contract as represented by XXXX representatives on XX/XX/XXXX, or at any other time. Moreover, the XXXX representative advised me that the Mutual Release document was wholly ineffective as a method to release me from my contractual obligation with XXXX. Upon learning that I had been fraudulently induced into signing the purchase agreement with XXXX, on XX/XX/XXXX, I contacted XXXX and XXXX to advise them that I was rescinding the purchase agreement on the basis of fraud. The XXXX representative responded by claiming that the transaction was not fraudulent, that the purchase agreement was legal and enforceable, that the deposit was non-refundable, and that I had no right of recession. Notwithstanding her claims to the contrary, XXXX did indeed rescind the purchase agreement. XXXX never made any attempts to enforce the purchase agreement. Moreover, XXXX notified XXXX that it had closed my account effective XX/XX/XXXX. I also immediately advised Barclays that the XXXX XXXX XXXX ( {$4000.00} ) charge arose out of a fraudulent transaction and requested that the charges be reversed and the account closed. Despite my many attempts over the course of almost a year and a half, Barclays declined my repeated requests. Notwithstanding the fact that on several occasions, I provided Barclays with ample documentation to support my contention that the charges arose out of a fraudulent transaction, Barclays sent the account to collections and eventually charged if off. This matter has had a detrimental effect on my credit rating and caused me significant emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-26

Key Biscayne, FL

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX, I made two payments via the BarclaysCard US mobile application. One payment for {$2300.00} and the other for {$160.00}. Barclays Card applied the {$160.00} payment and held the {$2300.00} payment. On XX/XX/XXXX, the {$2300.00} cleared my checking account with XXXX XXXX XXXX. On XX/XX/XXXX, the hold on the Barclays Mastercard continued. I contacted customer service on XX/XX/XXXX. They removed the hold and said it would be effective on XX/XX/XXXX. No where in the account opening materials or the account agreement does it disclose Barclays Card UNFAIR, DECEPTIVE AND ABUSIVE PRACTICE of holding a customer 's payment. I have another card with Barclays and am existing customer and this has never happened before or with any other 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

2018-04-25

Van Nuys, CA

Getting a credit card

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

Application denied
Complaint: Hello dear Cfpb I applied Gold Card with barclays when i called to ask status i was asked to supply verification documents which i did, after couple days i called to get information about status of my application. I was very disappointed to be informed my application was turned down even though i have flawless credit and very good relationship with Barclays Bank and i have great income. I asked to speak manager his name was XXXX with operator ID number XXXX he asked me about why i have inquires so many and i respond that its not accurate i do not have inquiries at all and in fact i did not have any in my XXXX credit file until you pulled it and placed hard inquiry in my credit. Long story short i think there is some bias and double standards with this bank and i want fair resolution please. Thank you Best Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-25

Key Biscayne, FL

Problem when making payments

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

Problem during payment process
Complaint: i wanted to pay my cc bills down before the start of the new year of XX/XX/XXXX. i made 2 payments to barclay priceline rewards card ( please see attached payment history ). i made a payment on XX/XX/XXXX for {$100.00} and a second payment on XX/XX/XXXX for {$1000.00}. i attempted to make another payment in XX/XX/XXXX but their payment system was down and didn't accept my payment. i explained this to barclay and was told its my fault i should have made other payment arrangements. however ; i really didn't owe a payment because i had already made my payment early at the end of XX/XX/XXXX. but they still refused to move the negative 30-59 days late from my credit report. this little stunt on their behalf caused an 35-45 point drop in my credit score which killed my chances of obtaining construction financing for my new home.please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-25

Sunnyvale, CA

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

2018-04-25

Carol City, 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

2018-04-25

Chicago, IL

Communication tactics

Debt collection: Credit card debt

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

Timely Response

2018-04-25

Hammond, IN

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

2018-04-25

Indianapolis, IN

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 monetary relief

Timely Response