BARCLAYS BANK DELAWARE
Consumer Complaints
There are over 7700 complaints on file for BARCLAYS BANK DELAWARE. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 92
2018-03-20
San Jose, CA
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 am a fraud victim of XXXX credit card. XX/XX/XXXX I reported to XXXX amount {$8100.00} was stolen in my account. 60 days for investigate by XXXX policy. But I did not receive anything on XX/XX/XXXX until XX/XX/XXXX from XXXX. I received a letter on XX/XX/XXXX, they wrote that you are responsible to pay this amount and some fee charge. When I called them to resolve my fraud case, they gave to me : XXXX. ( it's cash services ) It's not XXXX services and another number in their letter was scam when I checked XXXX XXXX ( XXXX ) Why XXXX did not find the bad person who used my credit card?
Why XXXX enforce me to pay this amount and some fee charge that I never use it?
It's not my fault. Unfair for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-20
Superstition Mtn, AZ
False statements or representation
Debt collection: Credit card debt
Attempted to collect wrong amount
Complaint: I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX. XXXX still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-20
Merizo, GU
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
2018-03-20
Lexington, MA
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
2018-03-20
Middle Island, NY
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
2018-03-20
Bessemer, AL
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
2018-03-19
Brooklyn, NY
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: i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-19
Brooklyn, NY
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: i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX with supporting documentation showing that you guys are reporting differently to from XXXX to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate furthermore i see that XXXX deleted this account how did they delete it if you verified it with XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-19
Byron, CA
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
2018-03-19
WY
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
Complaint: I requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on Sunday XX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.
the company is as follows : Brclysbankde XXXX, DE XXXX ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.
It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-18
Vernon, WI
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
2018-03-18
Poughkeepsie, NY
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
2018-03-17
Louisville, KY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: I received a XXXX XXXX XXXX in XXXX, 2018. Apparently, there are XXXX versions of the card. XXXX version is {$69.00} membership per year and a welcome bonus of XXXX XXXX miles after a {$500.00} spend. The other version is a no charge fee per year and XXXX XXXX miles after the first spend. I applied for the {$69.00} membership fee version. Apparently at the end of the confusing application process, the card that I thought I has applied for turned out to be the wrong card - which was the no charge fee with a XXXX XXXX mile bonus. After spending {$500.00}, I called XXXX XXXX to check on the missing miles. They told me that I was only eligible for the XXXX miles since I have the no charge version. I told them about the confusing application process and asked to speak with a supervisor. I spoke with XXXX who agreed that the application process was confusing and it was easy to be misled. XXXX options were offered. XXXX option was to close the card that I had and wait 3 months to apply for the {$69.00} version with the higher welcome bonus or apply for the {$69.00} version and expect a rejection. After XXXX spoke with XXXX in the credit department, she recommended that I apply for the {$69.00} version of the card but expect a rejection since only XXXX version of the card could be offered. XXXX indicated XXXX agreed to waive the XXXX card requirement but I would need to call the XXXX department after the rejection. I called the credit department at XXXX and spoke with several representatives who even after reading the notes reserved XXXX 's decision to allow the second {$69.00} per year version of the card. In essence, I was told to apply for a second credit card knowing that I would be denied but an exception would be offered and I would receive the right card. Both XXXX ( ID number upon request ) and XXXX ( ID number upon request ) read all the notes but indicated that XXXX and XXXX were wrong and that I would not be able to receive the card. XXXX stated that she would need to train the individuals who gave me the wrong information. In addition, XXXX stated that I was also given wrong information about the 3 month waiting period. XXXX stated that a new card can only be applied for after waiting 24 months, I believe that I should have receive the {$69.00} version of the card which will be eligible for the XXXX XXXX points because : 1. The confusing application process - which was admitted by XXXX 's own representative 2. I was told to apply for the {$69.00} version of the XXXX XXXX and after calling the credit department I would be approved. 3. All the notes on the conversations were detailed but misinformation was relayed to me. 4. While I appreciate that mistakes were made, my case should not be a training exercise for XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-03-17
CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Charged too much interest
Complaint: I am an member of the XXXX XXXX XXXX. I was XXXX on XX/XX/XXXX in XXXX XXXX XXXX XXXX XXXX. I am currently XXXX to XXXX. I have tried several times to the Barclay credit card company to lower my interest rate in accordance with Soldiers and Sailors Relief Act that is U.S. law. On the XX/XX/XXXX, I called the company and advised them that I had been activated and requested they lower my interest rate. The Barclay Card associate directed me to call an extension within the company and leave my information and an associate would contact me within 72 hours. I didn't receive a call. I called again on XX/XX/XXXX and left a message with my information again. I have yet to receive a call from any representative of Barclay Card. Can you please assist me with resolving this problem. I can provide a copy of my orders upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-17
Woodland Hills, CA
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: A purchase was made using my credit card. The purchase went through as a cash advance and I was charged {$52.00} in cash advance fees. i had previously requested that my cash advance fee be removed/reduced to XXXX. i made this request upon the account being opened. Had the cash advance fee been reduced to XXXX at the time of my request, I would have not incurred this charge. I have tried explaining this to customer service service representatives on several occasions, but to know avail, with the majority of representatives making up false facts about how credit cards work and are used, and avoiding the fact that a request to remove the cash advance feature had previously been requested and was not fulfilled. Furthermore, as I had mentioned to the representatives, there was no way of me knowing that the transaction would be processed as a cash advance, as I did not use my pin and it was simple purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-17
San Tan Valley, AZ
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
2018-03-16
E Setauket, NY
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: On XX/XX/XXXX I applied for and was denied for by Barclaycard US for the XXXX XXXX credit card. I was debating on whether I should accept a pre-selected offer from XXXX XXXX XXXX for their Cash Rewards XXXX or the XXXX XXXX card. I have been weighing and evaluating on which card would make more sense for my type of spend, and being that I commute using XXXX a lot to go to work and dining out quite often. It made more sense for me to go with the XXXX XXXX from Barclays. Since XX/XX/XXXX, I have been doing my research about the company, about the card and reviewing my credit reports each time and made sure that I checked off all the possible boxes. I have read, and researched their terms and conditions, which made NO mention of the credit criteria and factors they would review to consider one for a credit card account. I pride myself for keeping my credit profile in check, though it maybe young, I have displayed flawless payments and management of my finances. It came as a surprise that they denied my application. I was denied because I did not have a long credit history. And that even a small starting limit was not an option. I have called and reached out to their credit analyst four times or more to plead my case and begged them to reconsider me on the basis of my responsible management of my accounts throughout the full 1 and a half years that I have been using credit cards. During the call for reconsideration, they have asked me the following : Q : How long have you worked with your current employer My answer was I have worked for the company since XX/XX/XXXX. I was hired in XX/XX/XXXX and started working officially on XX/XX/XXXX till present.
Q : Why did I only start with credit in XX/XX/XXXX?
Prior to XX/XX/XXXX, I have opted to live and pay for my bills in cash. Paid everything through my debit card. Then XX/XX/XXXXcame and I decided to move out of apartment sharing and opted to live alone and tried to qualify for a rent controlled apartment in New York. I was repeatedly declined because I did not have credit history. So since then, I have actively tried to find ways to kick start my credit journey. But still took my time since I did not know how to start it. I thought that having a bank account and an internet bill at the time would build me a credit history of some sort. I knew nothing about credit management. Until an work colleague suggested I tried to apply for a credit card to start a history and since then, I tried, but just like my apartment applications, I was being denied for having no credit history. I had no one guiding me, until I decided to go to my bank XXXX XXXX to inquire, and was told that I can open a secured credit to start building some history. Which I did and since then, I had only had stellar payment history with them, they graduated my card, and within the year, I was able to successfully acquire new trade lines, all of which had flawless payment history. One year since opening those accounts is when I decided to apply for this card managed by Barclays.
Q : Multiple Credit Inquiries I explained to them that as someone starting off with credit, I had no choice but to try and apply for accounts to see which one I would get approved for. It was my understanding that inquiries should only affect the consumers report for one year, and that although the inquiry will stay on the report for two years, lenders would only consider the most recent inquiries on the report, and to my recollection, I had aged of all inquiries on that report the last being XX/XX/XXXXwhen I applied for and was approved by XXXX XXXX. They questioned my 6 inquiries with XXXX which were all from XX/XX/XXXX.
Q : I have XXXX available credit limit, then why do I have 0 % Utilization?
I use all of my existing cards, about 20-25 % of the available credit and pay them down before the statement closes. As that is easier for me in terms of allocating funds and managing my finances. I want to pay down stuff when I already have the money for it. And all my other credit card companies seem to appreciate that. I also explained to them that my spending is usually for Groceries, occasional dining and commute/travel since I always have to take the train in to work. But I just pay them down since that is how I like to handle my accounts. I did not think that it would be seen as a negative.
Bottomline, they denied me for my length of credit history. Age of my oldest account is 1 year and 6 mos. And the Average age of all my accounts is 1 year. There was no mention of that in their webpage nor terms and conditions. They did not mention anything that if you had limited or x number of mos. or years of credit history, please wait until x number of years before you apply for a Barclaycard. If I knew that they would look down upon people with young credit profiles. I would not have wasted an inquiry and could have given that inquiry to a lender that would see the work I have done with my credit history and appreciate it, not to be grilled by and be discriminated against because my credit history is not long enough. I review factors, and it was my understanding that the positives on my credit report outweighed the age of my credit history. I wish I did not waste the inquiry. My goal was to strengthen my credit profile and not tarnish it. This year I planned to apply for that one XXXX card as that is the only thing missing among my trade lines and I do groceries a lot at Costco which sadly takes nothing else but a XXXX XXXX card, which is why I had opted to apply for one this year. Waited a whole year for it, just to get denied. And the sad part was that, it was Barclays that I chose to build a relationship with. I could have qualified with XXXX XXXX XXXX, and now, I have to hold off and age the inquiries again, before I could apply with a different bank. Financial institutions should really give some base line criteria from the get go, so that consumers can review them and make their determination whether to apply or not. I did not know that they needed people with long credit histories. At least XXXX XXXX would break it down on their page and differentiate their criteria for each of their Credit card products.
I have attached a copy of my credit reports and the terms and conditions I pulled and read prior to applying for the Barclays card. On my report you would see the positive factors and the negative factors. They pulled my XXXX report, but sadly, the work I had on all my accounts did nothing for them to reconsider my application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-16
IL
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: My identity was stolen to use to open Barclays XXXX card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-16
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
2018-03-16
CO
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: InXX/XX/XXXX and XX/XX/, my Barclays Master Card showed a charge for {$100.00} each. The payee was The XXXX XXXX XXXX. I had terminated my membership with them in XX/XX/. There were no more charges afterXX/XX/XXXX ( or XX/XX/XXXX? ) ofXX/XX/XXXX. Then, in XX/XX/XXXXand XX/XX/XXXX, they charged me again.
I called the XXXX XXXX. They stopped further charges but never refunded me the {$200.00}. I then filed a dispute with Barclays. They asked me, naturally, for a report. Even though I already gave them all the facts in my first complaint, I did it all over again. Then they gave me credit for the charges. Then they left me a voice message and demanded I give them the facts again within like 2 days of the message. I did not get the message until after their ( arbitrary ) deadline. Nonetheless, I also got a letter in the mail requesting -- once again -- the facts. I -- once again -- gave them the facts. I received an email telling me that my case is closed because I did not respond ( XXXX! ). They reversed the credit and I am again out {$200.00}.
The XXXX XXXX is NOT entitled to my money. Barclays is violating the lw with their non-actions and ridiculous run-arounds.
It is YOUR job to enforce the laws. DO IT!
Barclays is doing this because they know darn good and well that the XXXX XXXX in the White House appoints other XXXX XXXX to the agencies who then sabotage the mission of that agency. Like destroyers of the planet for the EPA. Or oilmen for Interior. Or incompetent XXXX for Secretary of State. Or XXXX, XXXX, XXXX XXXX XXXX for Dept of Justice. Therefore, I have no illusion that the Consumer Financial Protection Agency, hero XXXX XXXX 's super accomplishment, will actually do anything about this. In fact, you all ( XXXX appointees, I am talking to, not career workers who have to suffer ) probably got together with the big banks and made lucrative deals to stick it to the workers, consumers, and small, local banking outfits.
But I am making this complaint anyway, because I dare you, XXXX XXXX, to actually ignore me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-16
SC
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: Barclay has far to many hoops to resolve this credit card purchase trial and accept disputation as the way to resolve the issue. I tried the sftware last year, did not like it did not renew. Now it is on my card and Barclays will not accept my claim that I do not want the software.I never do automatic renewals. The type of fraud is quite frequent and certainly is known to Barclays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-15
Berthoud, CO
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-15
Chandler, AZ
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
2018-03-14
Seneca, SC
Fees or interest
Credit card or prepaid card: General-purpose credit card or charge card
Problem with fees
Complaint: On XX/XX/2018 I made an international online purchase for {$25.00} so I used my XXXX XXXX that says it charges no foreign transaction fees. When I viewed my statement I saw that I was charged a {$10.00} cash advance fee. I immediately contacted a representative and was told that the fee was based on the coding of the vendor and that XXXX could not remove this charge. I reluctantly paid the full amount of {$35.00} and when I viewed my account again I saw that an additional {$2.00} " minimum charge '' fee was added after I had paid. I called a representative again and the lady told me that this was a minimum charge on the cash advance and she could not remove this charge neither. I pay an annual fee of {$89.00} a year, make a {$25.00} purchase and get billed {$12.00} in fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-14
City Of Sunrise, 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
Complaint: On XX/XX/2016 I revcieve and Inquires that I did not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation