Barclays Bank Delaware

Review: I closed my US Airways Mastercard account a year ago. All of a sudden I received a bill for 17.95 for some Internet Birthday Greeting which I had signed up for the previous year and did not renew my account. US Airways went ahead and okayed the charge after my account had been cancelled for six months. I called US Airways Mastercard and they said they would investigate. I received a call from some man asking me questions about my account. I told him the above. I also told him they had no right renewing something I had not requested and was no longer a client of US Airways. They said they would take the overdue charges off. I then received another bill with more charges. I wrote a registered letter to the company, paying the 17.95 and telling them to desist. I've gotten two more bills and I'm now up to $111,90. I believe this is a scam and I don't know what else to do. I'm counting on you to relove this issue.Desired Settlement: I would like them to stop billling me and wipe out the $111.90. I would also hope my credit was not compromised.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 7, 2014

RE: US Airways account ending in [redacted]

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received at your address of record.

It is our goal to provide exceptional service and it is our hope we have met your expectations.

If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service.

Review: I have a Sallie Mae Barclay credit card, which I usually use to pay off my salliemae(navient) school loan, I used a convenience check to pay for a doctor's app't, 2 weeks ago, the check never cashed and the company never contacted me, I called the physicians' office and they had no knowledge of this, the reps at this creditcard service are rude, I have tried to contact President Amer Sajed, called, but you need an acess code. The amt of te check was $126.79 and I would like to hve this check returned to me an an explaination why I wa never contacted within 2 weeks' time. It was humiliating calling the physicians' office, I pay on time and I think this is neglegent.Desired Settlement: I want a written apologie and a further investigation of this by the company. I also want to know what they do with the check.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 8, 2015 [redacted] RE: SallieMae MasterCard account ending 4018 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Review: All I wanted was to access my account online. I had not gone online in a while so I could not remember my online ID. I am also on a debt consolidation program so I no longer use my card and had destroyed it. When I called the customer service line they told me the only way they could grant me access would be if I gave them the three digit number on the back of the card I no longer had. When I explained that there was no long a card to get the three numbers from, they informed me that they would order me a new card. When I informed them that they would not be allowed to do that because of the program I was on. They then informed me that all they could and would do was tell me what I wanted to know or send me paper statements. Even though I was able to provide them with my social, DOB, address and mothers maiden name they would not give me access to my account via online.I had to ask to speak with a supervisor several times before an extended wait finally got me in touch with a so called supervisor she did nothing I asked if I could just open a seperate online account I was told not without a card I could no longer get. What I don't understand is why they can give me information without those three numbers but won't allow me to access the same information on my own. I fully intend to contact the media regarding this issue. I hope that help me Howard, or shame shame shame can help me in getting them to change this asinine policy they have.Desired Settlement: If they are willing to accept your social security number, DOB, address, mothers maiden name to tell you about your account they should also be able to use that same information to allow you access to your account online. If I am in public I am not going to give all that information out so I can have my identity stolen. For people in my situation (being on a debt consolidation program and not being able to get another card until the balance is paid off) they should be able to make a way for the person to access their account online.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 19, 2015 [redacted] RE: Carnival MasterCard account ending 0531 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Review: I have a credit card with the company barclaycard and it was on a promotion but all of a sudden when the promotion was over it went up to 24.99% interest. My daughter ended up in intensive care in the hospital and my husband lost his job at the same time because of the entire situation. I called and told them that I want to keep current on the payments but need to see if they can reduce the interest to help me lower those monthly payments so I can better afford it. They completely refused to lower the interest rate and said that the card would be reviewed. That my account has the best possible interest rate. Looking online you can get the same Frontier Mastercard between 15.99%-24.99% so seems like I have the highest interest rate possible on that card unless I'm in default. I asked them based on the situation to please please please help me out and they completely refused. Now I am forced to come here and leave a complaint because based on my situation with my daughter in the hospital all of my other credit cards were able to work with me in the situation. I am very disappointed that this company wouldn't work with me at all.Desired Settlement: I would like my interest rate reduced to help me out while I'm having financial hardships while my daugther is in the hospital and my husband has lost my job. So I can continue paying Barclay what I owe to them and remain current on my payments. I don't think anyone would be in a win win situation if I can no longer pay on my account.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 30, 2015 [redacted] RE: Frontier MasterCard account ending in1009 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Review: In October 2014, after meeting with a company regarding what was explained to me as assistance with getting rid of my timeshare, it seems that part of the very confusing transaction included myunknowingly applying for a Barclaycard Credit card. Upon receiving the first bill, I contacted the card issuer and explained that I did not understand my relationship with them or the merchant of the only charge to the account. Each representative spoke apologetically towards me, kindly requested/accepted my payment, and ended the call.

In December 2014, a 3-way call Was conducted between Barclay, the merchant, and myself. The merchant was very rude to both me and [redacted], the Barclay rep. After the call, the Barclay rep was very apologetic for being unable to assist further. In May 2015, a Barclay rep, after hearing my continued complaint, suggested I submit my dispute in writing and provided me with an address for receipt. I submitted my dispute, which I later found was rejected due to untimely submission. Given my address to delayed submission, I'm certain my dispute was never read. At the suggestion of [redacted], the rep who responded to my status inquiry, a subsequent request for consideration was submitted July 6, 2015.

Since that time, Barclay as confirmed receipt, but provided no additional detail. The complaint process was noted to take up to 45 days, but upon calling for a status inquiry on September 4th, I am told I can expect a decision October 7, 2015. That is twice the amount of time I was told it may take. I would like a reply in a reasonable amount of time. I would also like for my many verbal complaints to be considered in my dispute.Desired Settlement: I would like the company to evaluate my complaint with consideration of the specifics in order to form a fair decision. I would like to speak with someone who has the power to make a decision.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 25, 2015 [redacted] RE: RCI Elite Rewards MasterCard account ending 6585 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] or by calling me directly at 866-750-6031, ext. 58785. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely, [redacted]

Review: I opened a credit card with Barclaycard on or around July 3rd, 2014. Since that time I have made payments to the account, some of which were returned due to processing issues. The only returned payments which show on my online summary are on 1/22/15 for $25 and on 6/11/15 for $25. All other payments appear as processed. I spoke with [redacted] and [redacted] in the Portfolio Credit department today, July 31st, 2015, to determine why the account was closed prior to communication with me. Both associates stated that I had 6 returned payments and that the card was closed due to them and high credit account balances. I informed them of my financial situation over the past year and issues with my bank, [redacted], NA, posting their payments before deposits and that I would make sure to have more than enough for payments in the future. We discussed my financial situation improving over the past two months since I received a salaried position at my internship. Neither associate was willing or able to explain why I had not been contacted prior to my account being closed or to discuss a way for me to resolve the issues in order to reopen the account. I believe that this business has tarnished my credit score, which I was attempting to improve through their credit account. At the very least, they should communicate with their so-called "valued customers" when they are considering closing an account to see if any resolution can be made beforehand. I would like to be contacted by this business on how I can get this account reopened and/or have all derogatory reports removed from all 3 major credit reporting bureaus. I will be sending copies of this correspondence to Equifax, TransUnion, and Experian as well as sending a copy to Barclaycard. Thank you for your time.Desired Settlement: Reopening my credit account which was closed without contacting me first or requesting resolution of payment issues.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 17, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 4636 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: While returning from a trip on AirTran airlines in July 2011, the flight attendant made an announcement that if any passenger would apply for a Credit Card, they could earn enough points for a free flight to anywhere AirTran flew. For that reason, I took an application and filled it out and returned it to the flight attendant. I was approved and received my AirTran Credit Card (issued by Barclays Bank Delaware). The points were never issued to me. I waited patiently for a few months and then called. I was told I had to make a purchase within the specified time to get the points. Because I had not made the purchase, I would not receive the points. Despite this I kept the card and did eventually use the card for purchases. When the bills arrived in the mail, I paid at least the entire balance. (To make it easy to balance my checkbook, I like to round the checks off to the next highest amount ie: instead of $16, I would write the check for $20). Because of this, I had a credit of $4.04 on my account. My Barclay statement (for billing period 12/16/12 to 1/15/13) came in and showed a $0 balance (with a "purchase" of $4.04 shown as a "CREDIT BALANCE REFUND" dated 1/15). Since I had not received a "CREDIT BALANCE REFUND", I called and was told "the check was mailed on 1/15/2013" but they couldn't give me a check number. On 2/5/2013, I had not received the check so I called again. I spoke to a Team Lead who gave the name [redacted]. He opened Case ID# [redacted] and told me they would stop payment on the original check and send a replacement. About a week later, a check arrived in the mail. The check [redacted] was dated January 15, 2013 so I called again. I was told that was the check they had stopped payment on and to wait for the replacement check. No replacement check arrived, so I called again. I was told the original case was closed and they had to open a new case [redacted] to investigate. Multiple additional calls and I am promised a replacement check would be sent. Fast forward to October 16, and I was told everything involving my account was transfered to Chase and I would have to get my money from them. I called Chase and spoke to their "Barclay Specialist" who looked up my account. Barclay did not transfer the $4.04 to Chase so Chase told me I had to go back to Barclay. I called Barclay again, and the representative told me again "everything regarding your account was transfered to Chase". I again spoke to a "Supervisor" who looked into it and PROMISED I would receive a check by Thanksgiving. I told them I would wait until after Christmas. No check has arrived. Today I called again and was told again "everything has been transfered to Chase" after going through multiple "agents", I finally reached a "Supervisor" who said her name was [redacted]. She confirmed the only check ever sent was the original check. She "promised" to investigate and it would take 7-10 days. I asked for a direct number and was told they had no direct number and there was no way I could be assured of speaking to her again.Desired Settlement: I would like to receive the money Barclay owes me along with a heartfelt appology for all the headaches and run around I have received.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 24, 2014

RE: AirTran Airways Visa ending [redacted]

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.

It is our goal to provide exceptional service and it is our hope we have met your expectations.

If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service.

Consumer

Response:

I have received a check from the business in reference to complaint ID [redacted] and find that the payment is satisfactory to me. I am sorry that it required contacting you to resolve this matter. I believe the business will take the steps needed to insure this does not happen again.

Review: I was charged for account protection when I did not sign up for it and was charged a monthly fee for approximately 18 months. I wrote letters and used the online customer care to dispute the charges with no action taken on Barclays part. I finally called and asked for my money back and was told that they could only refund one month's fee. The charges totaled approximately $300.00. I finally asked them to close the account and I was not paying another penny until the money that was stolen form me was returned. They said the only thing they could do is reduce the amount I owed in a settlement only if I paid them in full within 3 months. I agreed and recently found that my credit report has derogatory information because of this transaction. I don't understand how a business can take your money without your knowledge and then ruin your credit because you complain and demand a service stopped that you did not sign up for.Desired Settlement: this account is the only account in my credit file with derogatory information which could cost me more money in the long run. Once again Barclays is taking my money. I would like for them to remove the derogatory information from my credit file.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 16, 2015 [redacted] RE: Juniper MasterCard account ending 3030 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8:00 a.m. to 8:00 p.m. ET, Monday through Friday. Sincerely,

Review: During the months of September and October, I phoned Barclay Band three times and warned them that there will be a charge coming. I told them that it is from [redacted]. The institution is in Vatican City. It told them the name, location and the amount that would be charged. I told them that it would be about 1200 Euros or $2000. I received a letter from [redacted] that Barclay Bank refused authorization for the $2000 dated November 22, 2014. I remember telling them three times to authorize all charges from [redacted]. I told them to authorize all charge from [redacted]. They refused authorization anyway.Desired Settlement: Change their policy and allow charges on demand.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 14, 2015 [redacted] RE: Barclaycard MasterCard account ending 7549 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Review: Hello, I was always solicited by mail from this company.My husband and I are trying to cut back and get bills down now because I am on disability due to spinal surgeries and fibromyalgia. I decided to take them up on their mail offer of no interest for one full year and no interest on balance transfers....as I wanted to transfer a balance so I could get rid of one of my debts easier. Sounds super right? Well it also tells me in the solicited letter I can apply online...so I do. It never asks me for a promotional code....if they send me a letter offering this should they not know they have offered this promotion to me? Once I was approved for their line of credit I discarded the letter. I figured all was well in the world. Now however that I have and am using the card ....and have paid some down already....I am getting charged interest and they are giving me a song and dance about promotion codes which were never on the solicitation letter offering me this deal. I contacted a supervisor and he told me if they send me another solicitation with the same offer then I can open another line of credit and transfer one to the other...the same company....what a bunch of ht! Please I beg you to help me this is neither fair or good business practice on there part. Thank you,[redacted]Desired Settlement: I want them to change the card so that I get the 0% financing for one full year. I am so stressed about this....

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 December 31, 2014 [redacted] RE: Barclaycard Rewards MasterCard account ending 9548 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET, Monday through Friday.

Review: Problem:

Barclays shows that a balance of $4,012.14 is still due in addition to a late charge of $26.00 being assessed to my account due to lack of payment. The reality is that the balance amount of $4,012.14 was paid on 07-10-15 via EFT by my Chase bank into my Barclays Upromise account. For whatever reason something occurred in the payment process whereby Barclays does not show that the $4,012.14 payment was made by Chase and Chase shows that payment has been made and processed.

For the reasons mention above, I immediately contacted Barclay’s customer service on 07-14-15 and spoke to [redacted] explaining the problem. Per [redacted]’s request, she instructed me to contact Chase and obtain proof of payment showing the necessary information so Barclay can conduct an investigation as to what occurred.

Attached are the supporting documents provided to me by Chase confirming payment. The documentation papers clearly show that payment was indeed made on 07/10/15. Chase explained to me via phone since the payment due date was Sunday 07/12/15; Barclay will receive payment on 07/13/15.Desired Settlement: As long term customer, and one who always pays the bill on time, I respectfully ask that Barclay waive the late fee charge that has been assessed to my account along with any negative credit reporting that may have occurred due to this error.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 24, 2015

Re: Upromise MasterCard account ending 9585

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail.

If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8:00a.m. to 8:00 p.m. ET Monday through Friday.

Sincerely,

Review: i'm writing this letter to express my disappointment in the Visa Black Card Corporation's customer care. I was recently looking over my credit report when I came across notes on my black Card stating that the account had been closed by the institution. I spoke to a customer service agent who told me that it was closed due to me filling for bankruptcy, I have never filed for bankruptcy nor have I ever supplied Visa Black Card with any legal binding documentation that would suggest/prove that I filed for any bankruptcy. This account was falsely closed out due to incompetence on the part of the customer service agents who did not follow the proper guidelines. This has proven to be a very embarrassing and time consuming situation that I would like to be rectified ASAP! Due to the fact that this account was erroneously closed I would like the account to be reinstated and the negative information be removed from my credit report. Thank you very much and I look forward to speedy resolution on this matterDesired Settlement: the account to be reinstated and the negative information be removed from my credit report

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

September 5, 2013

RE: Visa Black Card account ending [redacted]

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Revdex.com of Delaware. We understand your concerns regarding the status of your account and would like to take the opportunity to respond accordingly.

I attempted to contact you regarding your concerns but was unable to reach you to discuss. Although we did not have the opportunity to speak, a thorough investigation has been conducted and the result is outlined below.

We have identified an error in the handling of your account and have updated our records and the consumer reporting agencies to reflect the reinstatement of your account. Please allow at least 30 days from the date of this letter for this information to update.

[redacted] we apologize for any inconvenience this matter may have caused and appreciate you bringing this to our attention. If you have any questions, please contact me at [redacted] My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Review: Barclays purchased an account I filed bankruptcy on in 2009. We were never notified they purchased a our closed account. We have tried to get a mortgage and found that they have reported me late in Oct 2013, Nov 2013 and Dec 2013 on $6142 balance that we filed bankruptcy on and they are reporting a $0 balance. We have tried to get a letter stating it will be removed so we can get a rescore since this reported delinquency tanked my credit score and have had no luck. We get a different story every time we call and as far as we can tell there have been no notes made on our so called account. Our lawyer sent a letter also back in January. We are getting down to the wire on our house and need this removed ASAP.Desired Settlement: We need this to be taken off of our credit report since it is not correct reporting. It should have never been sold to Barclays and should have never been reported by them since we were never notified and it's not an open account to report us late 3x

Business

Response:

P.O. Box 8885

Review: Barclays Bank issued a new American Airlines Aviator card to me in 2015 that I did not request and then sent it to the wrong address along with subsequent statements and eventual termination notice. By the time I learned of the issue, the account had already been closed for nonpayment and my credit score had been reduced by 150 points and additional creditors started sending me letters impacting my credit lines. The representative I spoke to on the phone told me that nobody I could speak with on the phone could reverse the negative impact on my credit report once an account had been closed. The agent also confirmed for me that no purchases had been made on the card but that I had been assessed an annual fee that then accumulated interest + late fees and eventual closure of the account. I obviously cannot be expected to respond to correspondence that is not sent to my correct address, let alone pay an annual fee for a credit card that I did not request or use.Desired Settlement: Please help me by insisting that Barclay's Bank take immediate responsibility for this clerical error and swiftly take the following actions: 1. Remove any negative credit reports and secure written confirmation in same from credit bureau(s). 2. Reverse any bank charges from 2015 including annual fee, late charges & associated interest (there were no purchases in 2015). 3. Furnish me with a letter acknowledging that Barclay's Bank closed this account as a result of clerical error on their part (wrong address). A letter is necessary to show to other creditors who may subscribe to the same credit bureau(s).

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 2, 2015 [redacted] RE: AAdvantage Aviator Red MasterCard account ending in 9707 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely, [redacted]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that Barclay's corrected reporting to Experian is satisfactory to me pending the eventual restoration of my credit score.

Review: In my experience Barclay bank is the worst of all USA banks that I had ever dealt. I applied for a credit card and got approved for 18K credit line. Everything was good until I spoke with one of their "Security" reps. All I wanted to do is to change my mailing address. Well, this turned into a nightmare. She flagged my account as "fraudulent". They blocked the account and despite me sending them tons of paperwork (copies of my IDs, credit card statement, even my cell phone monthly statements) the account remains blocked. I was asked to go to any US bank and try to do a cash advance. So, I did and that was another waste of my time. I am not even sure how much time I have wasted on the phone with them and it still got me nowhere. I asked them to close my account but they say that they cant because it’s under “fraud investigation”. It is very frustrating to deal with this much incompetence especially when one tries to prove its own identity. I am out of options and patients. ALL I want them to close MY “fraudulent” account. UNBEALIBALE that is all I have to say about this institution.Desired Settlement: I would LOVE my account closed and the person who flagged it as fraudulent be held accountable for waste of my time and their time.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 20, 2015 [redacted] RE: Hawaiian Airlines MasterCard account ending in 2022 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8 a.m. to 5 p.m. PT Monday through Friday. Sincerely,[redacted]

Review: This credit card company allowed an account to be processed with my name on it that I never opened, and then proceeded to give out an account to someone where my social security number and my birthday did not match. thy did not do the proper research on the application and gave a false account out and items were charged on it. Now I am worried that my credit will be affected.Desired Settlement: That the person or persons in charge of processing credit applications for this matter is held responsible and accountable for his or her actions.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 17, 2014

RE: Barclaycard Financing Visa ending 8093

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for the response to be received through the mail.

It is our goal to provide exceptional service and it is our hope we have met your expectations.

If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service.

Review: I called the credit department today after receiving two letters stating that two of my credit cards were being closed based on late payments The credit card ending in *5580 was a brand new account that I just did a balance transfer to because I had a promotional offer in the mail. We never received the first invoice statement in the mail after that balance transfer so that we could make the offer. The payment was due March 17th and today is April 15th. The letter was dated April 2, 15 days after the first payment was due, the creditor closed the account without making any attempts to contact the customer and say that we missed a payment, something we have never done on this card or any other. The amount that was past due was $3.00. I was completely shocked that over $3.00 late payment amount they would close the account after the payment was not received less than 15 days from the due date. I called and spoke to a representative in the credit department to see if they could reopen the accounts, after spending over 1 hour on the phone with the rep, reviewing my credit report, payment history, sharing my employer, income, etc. she notifies me that they can not reopen the two accounts until we pay the balances down. I mentioned to the rep that I was upset because the card ending in *7581 never had a late payment and the card ending in *5580 was 15 days past due for the amount of $3.00 and they just up and closed the account without considering that maybe we never received the invoice to pay a $3.00 payment. In February, we paid a $165.00 payment and to think that we would default on a $3.00 payment. That should have triggered something that why would we default such a small amount. It was that we did not receive the invoice and merely forgot to make payment by the due date. I made a payment for $50.00 through the automated payment system today April 15th just to show that we would never ever ever default a payment. The payment amount due was $28.59 due on March 17th and $3.00 past due from April 17th so I made a $50.00 payment. The decision to close the accounts was unfounded and unethical merely based on that one issue without consideration to what could have happened. My credit report shows that I have never had a late payment on any other credit card. In the last two months, I have paid off over 5 credit card which should show that I am credit responsible and credit worthy. My credit score is higher today then it was when they approved this new Barclays account ending in *5580. I asked the rep if I could speak with her supervisor because I was concerned that because these two accounts were closed, that it would effect my credit negatively. She put me on hold for over 10 minutes until the supervisor got on the line. The supervisor introduced herself and transferred me to a rep to verify identity, which I had done already with the previous rep that I was speaking to for over an hour, that I reviewed all my financial information with. The security rep asked me 4 questions, out of the 4 questions, I answered one incorrectly which was the year of my mothers birth. I said I couldn't remember but I think she was born in 1956. I remembered later that she was born in 1957. The rep was extremely rude and quickly said "I'm not convinced I'm speaking with the right person, this is not [redacted]" She then said "I'm asking one final time, who is the holder of this account?" I said "I am, [redacted]" She then said "No, I am not convinced I am speaking with [redacted]" I told her to ask me more security questions and that I answered one question wrong, not all questions. She kept saying "I am not convinced I'm speaking with [redacted] and why are you saying our and we, the account is yours" I explained that I'm referencing "our" and "we" because I pay everything from a joint account and if my credit is affected, then that affects my family so yes it is "our" and "we". She was completely out of line and unprofessional. I asked her to at least help me make sure I receive the invoice so that I can pay the balance and that I did not want us to be past due. I needed the payment address so that I could set-up a bill pay with my bank and she said "no one in the customer service department or Barclays will speak with you until you mail us a front and back copy of your drivers license, front and back copy of your social security card, a bank statement, and a utility bill with your information and address. Until then, no one will help you here!". I explained to her that I was not comfortable doing that because I was not going to put copies of any personal/sensitive document in the mail and mail it to the creditor where it can end up in the wrong hands. That is completely absurd. I also explained that if I was trying to pose as someone else I wouldn't care about paying the credit charges or be worried about my credit being affected and again she said "I don't know what you're doing but I'm not convinced I am speaking with [redacted]" I did not appreciate being treated like I was doing something wrong or something illegal. I have a right to inquire about my account, my credit, and my financial information. I have worked way too hard to bring my credit score up to have a unethical creditor like Barclays find a loop hole to completely ruin my credit over. What this creditor did is wrong, unethical, and the way I was treated today over the phone was completely out of line! I will be paying both credit cards off because I refuse to pay one penny of interest to a unethical crook of a creditor like Barclays. Completely unprofessional and utterly unethical business practices. Tons of creditors got lawsuits over these types of practices and I know that Barclays will too.Desired Settlement: I would like both accounts opened back up and a credit on any late charges. I do not need to charge on the credit card but I would like the original/approved credit limit reinstated because I do not want anything reflecting negatively on my credit report. I do not want the credit cards to look like more than 40% of the credit limit is being used. By closing both accounts, it causes a negative impact on my credit. Immediate action is being requested.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 April 30, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 7581 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: Card disappeared months ago, and I received communication months ago that the card had been compromised and they were shutting tgat down. Later received a new card in the mail which I never activated. Yesterday I received a letter that they were sending me to collections. Upon calling them today, the entire bill was brought about due to an annual fee they charged me after they said card had been compromised. It was their charge they are collecting unrealistic interest on!! Nearly tripled the annual fee price even after I was under the impression they shut the card down and account was in active! Extremely deceiving and they are messing up my credit over an extrely minor charge! They should be investigated and shut downDesired Settlement: For them to make this right and replace the $256.01 they just charged me for all of their fees and annual fee charged when I was under the impression the account was shut down. Also to re-establish any negative credit they have applied to my previously perfect credit record

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 14, 2014

Re: US Airways MasterCard account ending 4071

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail.

If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday.

Sincerely,

Review: In Oct. 2014 I was sent an application for their credit card to which I called them and explained to them I was not interested and please take me off their mailing list. They continued to send me one once a week and then in January 2015 I called them again and explained that I was not interested nor do I want the card, and if they continued to send me the application I would file a complaint with the Revdex.com, as always they continued to send me one a week. I just want them to stop as I am tired of being harassed by them, if I wanted the card I would have ask for it. enough is enough!Desired Settlement: I want them to stop sending their application as they are now harassing me and never contact me again.

Business

Response:

P.O. Box 8885

Review: I was a credit card holder with Barclays Bank Delaware since 2005 and I was making monthly payments without failing at 22% APR. In 2009, they increased the APR to 32% and I declined to accept it. At this time, I was owing them $2600. I refused to make monthly payments at 32% APR. Then, in November 2011, they offered me offered me a final settlement of $1,117 then I agreed and I have the settlement letter that they sent me in my folder to prove this. They told me I had to finish this payment in March, 2012. My first payment for this amount was $124 made on November 3, 2011. The confirmation number is [redacted]. The second payment was $200 made on November 29, 2011. The confirmation number is [redacted]. The third payment for this amount was $200 made on January 27, 2012. The confirmation number is [redacted]. The name of the attendant who attended me all this time is [redacted]. His phone number is [redacted].

On February 2012 I called in order to clear the payment which was $593 at the time. I was attended by an attendant named [redacted] and he refused to accept my payment which was the last balance saying that they are not interested in this settlement again even though they are the ones who offered me this agreement in the first place. So I feel like it is unfair almost like a rip-off. And without even considering me as a dedicated credit holder of theirs who never failed making payments, they soon after took me to the credit collection company. I don't feel this is the right way to be treated and that's why I need your help to get this solved. I would appreciate if you guys can look into this issue and find out if there is any discrepancies. Your help would be appreciated. Thanks.Desired Settlement: I want this credit company to stop contacting me since they refused to live up to their offer because I feel their initial intention was to destroy my credit. I concentrate all my credit cards with Money Management International and they refused to join them. That's why I realized their main intention is destroy my credit history because my credit score started dropping from this point. Evidence of their refusal from Money Management International is with me.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 22, 2015 [redacted] RE: AAdvantage Aviator MasterCard account ending in 2152 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8 a.m. to 5 p.m. PT Monday through Friday. Sincerely,

Consumer

Response: