BARCLAYS BANK DELAWARE

2018-03-29

Sarasota, 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

2018-03-29

Eldred, NY

Communication tactics

Debt collection: Credit card debt

Called before 8am or after 9pm
Complaint: This card was charged off years ago and sent to collections. Before the card was charged off I pleaded with the company to lower my interest rates for a few months so that I could make minimum payments and they refused to help me in any way. I had suffered severe medical injuries and was in financial distress. After not being able to make payments for a short while I started to receive calls upwards of 5-6 times a day! They would call from different numbers and start calling at XXXX and not stop calling until XXXX! I advised them to stop but they would not. They continue to call me to this day! This card also went through a company change while I had it which resulted in problems in communication as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-29

Point Arena Air Force Statio, CA

Other features, terms, or problems

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

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

Timely Response

2018-03-29

Clarksville, MO

Fees or interest

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

Problem with fees
Complaint: I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-28

Bear, DE

Incorrect information on your report

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

Account status incorrect
Complaint: From XX/XX/XXXX i open account a choice priviledges card with barclaycard, i never had any problems and always pay my bill by auto pay. i previously reported this problem and barclaycard responded XX/XX/XXXX. The letter they sent proof they really are crooks and do not know what they are doing to customers. I was not getting any statements from them and my card was on auto pay, i notice high amounts coming out of my checking account and even bouncing checks in my account, i called them and they told me a added walid eyada to the account and and i also changed my address which i certainly did not. problem they are still reporting this fraudulent address to the credit agencies. They sent me a letter that all of the fraudulent charges were made from his fraudulent card, and they removed him from my account onXX/XX/XXXX, how ever he was still making charges thereafter, all the charges they have on my credit account was made after that date. They certainly need to credit back all the fraudulent unauthorized charges and credit back my account. Here are some of the charges XX/XX/XXXX XXXX XXXX {$7400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX {$1200.00} XX/XX/XXXX store {$150.00}XX/XX/XXXXXXXX XXXX {$480.00} XX/XX/XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX {$3100.00}XX/XX/XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX {$3000.00} just to list a few of these fraudulent charges
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-28

Santa Ysabel, 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: 1. I, XXXX XXXX XXXX, have been the victim of identity theft. Please see FTC Report # XXXX ( attachment 1 ). 2. This fraudulent transaction contract was not in my name and I received absolutely no personal benefit from it. 3. The facts of this situation are as follows : a. On XX/XX/XXXX my wife, XXXX XXXX XXXX, and I attended a XXXX/XXXX XXXX timeshare presentation in which my wife, not me, was considering investing in an upgrade to HER present plan. b. When it came time to negotiate the agreement I was told by the salesman, XXXX, to leave the room. He stated that XXXX never deals with third-parties to any agreement. c. The salesman told XXXX that she could go back to the USA and talk to her two sons-in-law about the deal before closing the deal and paying a contract deposit ( {$12000.00} ). He promised her ( in writing according to his notes of the discussion, attachment 2 ) 6 months to pay the deposit to complete the agreement. d. The {$12000.00} deposit was later obtained fraudulently by a salesman or supervisor : i. Please observe the two XXXX XXXX XXXX ( Proof of Payments, dated XX/XX/XXXX) WRITTEN IN XXXX with forged signatures of XXXX XXXX XXXX ( XXXX husband, not an owner ). ( see attachment 3 ) ii. XXXX XXXX does not speak or write XXXX. iii. XXXX XXXX XXXX swears that these are NOT his signatures. Please see the two Police Reports filed XX/XX/XXXX and XX/XX/XXXXrespectively ( see attachment 4 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-28

ME

Other features, terms, or problems

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

Other problem
Complaint: We overnighted a check to payoff our Barclay c.c. account ( from refi ) and they received it XX/XX/XXXX ( tracked it ). They called XX/XX/XXXX looking for payment and when told sent check, told not to worry, they would look for it. They called again XX/XX/XXXX and we were told they'd start investigation on their end to look for check and hold interest until XX/XX/XXXX. They called again XX/XX/XXXX looking for payment and guy at other end said woman XX/XX/XXXX never did anything she said she was going to do, apologized and finally started investigation. While waiting the 10 days asked for investigation, we received other calls, got other apologies, but no credit to our account. We received XX/XX/XXXX a letter from XX/XX/XXXX from Barclay saying our account was credited {$3000.00} during investigation, but it never showed. XX/XX/XXXX my husband was threatened by another Barclay person to fax copy cashed check or be in trouble legally, our mortgage company faxed a copy to the 2nd number we were given ( 1st was a lie ) and they said didn't receive it. I faxed a copy XX/XX/XXXX and they said didn't receive it and asked to wait until Friday to call back while they look for copy. Today my husband received another call and was threatened if we didn't have a conference call with mortgage payee, us and Barclay no credit would be issued. We have it all. Please help.
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

2018-03-28

Crabbs Prairie, TX

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

2018-03-28

Albany, GA

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 explanation

Timely Response

2018-03-28

Mount Holly, NC

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

2018-03-28

Placentia, CA

Incorrect information on your report

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

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

2018-03-27

Anaheim, CA

Fees or interest

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

Charged too much interest
Complaint: I bought an XXXX computer and used the credit option. While purchasing, I asked whether I would have to pay {$200.00} or so a month in order to pay off the computer by the time they referred to as the intro period. ( Sometime in XX/XX/XXXX ). They said no. They said I could pay off the balance with the minimum at {$27.00}. They said there would be no interest for the intro period and after that period was ended interest would then accrue like any other credit card. Instead, when the intro period ended, XXXX took all the interest accrued during the intro period and suddenly tacked it onto my credit card. Now I'm $ XXXX over the credit limit and my payment has gone from {$27.00} to {$88.00} and it's climbing as interest and over limit fees build. I called XXXX at XXXX XXXX PST on XX/XX/XXXX and spoke to an agent ( named XXXX ). I explained the above and he told me that they could waive the interest - since they had not explained the terms to me correctly. However, he could only waive the interest if I paid - in full - the amount left on the XXXX balance, which is {$1700.00}. They falsely misrepresented the terms of the card to me. They admitted to that during my phone call with them ( which was recorded by them ). It's unfair business practice to force me to pay {$1700.00} in cash in order to correct their misrepresentation. The interested accrued needs to be immediately waived so that I can pay the balance like normal with interest accruing at the card 's normal rate.
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

2018-03-27

Scottsdale, AZ

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

2018-03-27

Collingdale, PA

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

2018-03-27

Norwich, CT

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

2018-03-26

Mdn, MS

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
Complaint: I did not receive the promotional 0 % interest rate for twelve months offered when I applied for the card online. Not only did I NOT receive the 0 % interest, I received a whopping 26.24 % rate. When I noticed it on my statement, I called XXXX XXXX XXXX. The agent responded, " Maam, that was only for balance transfers. '' I first used the card in XX/XX/2017 and the last time I used it was the following month. After receiveing the first statement, I called them, but after no resolve, I imediately stopped using it. XXXX XXXX is using deceptive practices to lure unsuspecting victims into debt with them. I did not go on the XXXX site looking for a credit card, but instead toget an airline ticket. I already had major credit cards that I could have used for the purchase, when suddenly an ad popped up with a question asking if I wanted to save, if I remember correctly, {$50.00} on the flight? The XXXX credit card promotion offered 0 % interest and a {$50.00} credit to my card. I knew it would be approved because I had a good credit standing. I just thought it seemed like a good offer. But I know now that it was a teaser to lure in unsuspecting consumers like me. At this point, I feel taken advantage of by XXXX and stressed each time I get a statement. In fact, I am sitting here crying right now over the most recent one. I have contacted them again today concerning this same matter and am waiting for a reply. I have requested XXXX refund all interest charged back to my account since I first used the card last year, and I requested that they give me the duration of my 12 months to pay the remaining balance at 0 % interest rate. Please help! Respectfully, Unhappy in MS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-26

Sapulpa, OK

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

2018-03-26

Oxford, GA

Fees or interest

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

Problem with fees
Complaint: A short while after opening the XXXX account, I called ( unfortunately I didn't write down the female 's name or the date ). I did not understand how the payments posted if you have delayed interest along with regular purchases, so I called for an explanation so I would not have to pay the interest in the special financing purchase.. What I was told after calling on XX/XX/28 and speaking with XXXX regarding the interest of {$350.00} posting to the account and what I was told previously did not match. I know that some representatives explain information different/incorrectly at times, but if they sound confident, like the representative I spoke with on the first call, I usually don't make a second call to verify 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

2018-03-26

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

2018-03-26

Katonah, NY

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Threatened or suggested your credit would be damaged
Complaint: Barclays Bank is beyond the worst bank there is. They threatened to charge off my account on XX/XX/XXXX to a collection agency when I offered to pay the minimum of {$40.00} on XX/XX/XXXX. They absolutely refuse to cooperate and all they want is money and is to rip me off!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-26

Brentwood, TN

Incorrect information on your report

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

Information belongs to someone else
Complaint: OnXX/XX/2018 we had 3 hard targets on our credit that was not authorized. It was at a XXXX XXXX that we attended and found out that they opened a XXXX XXXX credit card in our name we did not authorize that is fraud also there's a Barclays Bank that is on our credit report for the same day and XXXX so that's 3 hard hits that we did not authorize them to run our credit for anything it's all fraud and we want these taken off our credit report now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-26

Brookside, 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

2018-03-25

Beaverton, OR

Fees or interest

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

Problem with fees
Complaint: I requested to close this credit card with a XXXX dollar balance. On XX/XX/XXXX I received an email confirming my account was closed. Additionally the account showed as closed in my online account on their website. In XX/XX/XXXX I received a letter in the mail stating they have closed my account due to a past due balance and that past due balance was an annual fee charged on XX/XX/XXXX. I contacted Barclay to resolve this but nothing was done and nothing was answered. This is an error by the bank to charge me an annual fee after I closed the credit card and now they have reported me to the credit agencies to destroy my credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-25

Federal, CA

Incorrect information on your report

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

Personal 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

2018-03-25

Newnan, GA

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 was notified on XX/XX/XXXX by the fraud department from my Barclays rewacard that a charge from XXXX for {$4700.00} was trying to be an issue I contacted the company and told them no meanwhile I've been in billing issues with them since XX/XX/XXXX where they have had me at collections twice with the same issue no final bill to this date that the charge was reversed and a new card was issued. On XX/XX/XXXX of this year XXXX with the new card again ran the {$4700.00} and that I was told later after investigation from several departments and several people and the case number I have is XXXX after six months trying to get to send them back they credit me back {$1200.00} when I contacted my credit card company again I was told it it was coded incorrectly as a fraud and not a billing issue so a Other case number had to be open that is not correct I was able to speak with a supervisor name XXXX and was told that they go by algorithms and this is why I was allowed to exceed almost 59 % of my credit limit now I'm over the credit limit in collections twice and no final bill from the vendor who actually I have asked my credit card company if I had gotten into a store and tried to charge {$4700.00} it would've been denied I do not understand algorithms and this should've never been posted on my account they have ruined my credit I need help thank you When I asked the supervisor if I had of walked into a store and tried to do that with the algorithms work then and she could not answer that question she also couldn't understand why it would exceed that much already owe them {$2400.00} and my credit limit is only XXXX they have doubled my credit profile causing me to lose 49 points in one day 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