Barclays Bank Delaware

Review: My account is in CLOSED status and I have been paying the balance off since 2009 every month. In late June, I scheduled online to have an automatic deduction monthly of $25 on the due date of my credit cardto begin by July 3rd. My bank statement shows July 3rd was completed but August was not taken when I checked 8/4. When I looked at payment activity; the website shows no payment credit for that July payment either despite my back shows a withdrawal; no longer shows the SETUP I saw so I called the customer service number; 8/4 day after payment due and was told over the phone that because my account is in CLOSED status, my account the setup was not complete and I should have manually enrolled in autopay ; therefore the auto setup did not complete. I did not receive an error, and had every reason to believe it was setup as a monthly deduction correctly. Called on 8/4/15 because I did not have a deduction from my account 8/3 and member rep apologized but would not give me refund of the $20 they charged my account. Had I known it COULD NOT be setup because my account was in CLOSED status I would not have relied on auto-payment setup to make my payment 8/3. Basically they said I could fill a auto deduction manual form but would not refund my $20.Desired Settlement: I should get a $20 refund due to the fact the web option should not be allowed if it cannot be setup because my account is in a Closed status also it should be noted.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 14, 2015 [redacted] RE: Juniper MasterCard account ending 4483 [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 this resolution is satisfactory to me.

Review: I have been inundated with excess mailings from Barclaycard for over a year now. I have went so far as returning their application for credit with "CEASE and DESIST now or legal action will be taken (for many months). I sent a fax to Barclaycard on March 19, 2015 to CEASE and DESIST or legal action will be taken, to NO avail. I contacted Barclaycard via phone on April 2, 2015 and spoke with Supervisor Neil and again on May 1, 2015 and spoke with Supervisor Glerica to CEASE and DESIST or face legal action. I have opted out with Prescreen twice now via mail for a permanent opt out... ALL TO NO AVAIL!!! I have received Barclaycard's recent and UNWANTED mailings on March 19, 2015, March 28, 2015, April 2, 2015, April 27, 2015, and May 1, 2015. Some with different Personal ID Codes such as [redacted]. Barclaycard is nothing more than a nuisance and I DEMAND that they STOP, and CEASE and DESIST NOW, IMMEDIATELY from sending me any further or future mailings of every sort, type, and kind from Barclaycard and any of its affiliates!!Desired Settlement: Their apologies mean NOTHING to me since they don't follow through by NOT sending me any further or future mailings!!!

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 8, 2015 [redacted] RE: Marketing Solicitations [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,

Review: A few months ago I applied for the US Airways Premier World Mastercard of the Barclaycard corporation. I chose the application for this card, aware that there was an $89 fee and was under the understanding that I would obtain 30,000 miles after paying my first statement. I went through the Instant Application process and I have excellent credit. I was advised that I was approved and was sent a regular US Airways Dividend Miles card with a $49 fee and only obtained 15,000 miles with this card upon my first payment. It is misleading and misrepresentation to give someone a lesser product without advising the consumer that they will be impacting their credit for a lesser product. They did not provide any kind of warning that I would be getting this poor card and lesser dividend mileage program. If I had known that I would receive this lesser product, I would have taken my business elsewhere. I spoke with several agents, most in the Phillippines who advised me that in order to get the program that I had originally I applied for that I would need to re-apply and that they would be happy to set me up with yet another credit card. I don't want another credit card, I want them to charge me the $89 fee and give me the card I originally applied for. Why on earth would I want two credit cards when they can fix a wrong that they should have done properly the first time?Desired Settlement: I want the card I originally applied for with the miles and the program that I applied for.

Business

Response:

P.O. Box 8885

Review: I opened the Barclay credit card account on February 2015 right before my vacation. At that time, I was also a member of Chase Sapphire credit card, I really enjoyed the 12 months zero interests on first 30-60 days purchases with Sapphire card. So I thought it would be nice to check the promotion before I made a big purchases with Barclay credit card. so I called to the customer service at Barclay and asked about zero interests on my air fair purchases. The representative was nice and assured that I am qualified for zero interest after hearing my plan for the big purchases about $5000. So I set up automatic minimum payment and forget about it until tonight November 1 2015. I planned to pay the entire balance tonight and I noticed that I was charged over %18 interests every month since March 2015. I was so shocked and I called to customer service immediately to figure out what's going on and the Manager ,[redacted] (Also known as lascmw), said they never had a zero interest promotion on purchases and they can't do anything about the charges made last months which is about $700. I told her I would have paid full if I knew they don't offer the zero interest and she kept telling me that the card only offer zero interest on balance transfer and she would send the credit card original terms and condition paper over and over again as if I do not understand English! Her monotonous respond was so robotic with no customer service nor trying to understand the situation I am having. Her finally suggestion was decreasing the interest rate to %4 from now on but I told her already I do not need to make a monthly payment at first place why would I even pay %4 interest and make monthly payment when I could have paid full amount? This type of resolution is reflecting her poor listening skills and unwillingness of help. I asked her to close my account and I paid my balance with over 18% interest unnecessarily. I hope no customer gets this kind of customer service who does not know how to provide correct terms and condition on their own credit card at first place and do not know how to solve the problem. At the last, I had bonus mileage and benefit before she close my account and of course she said she couldn't give or transfer the benefit that I supposed to have because she already closed the account! If I feel a little bit of her trying to understand my situation and showing respect while closing account process. I would have not write this review. I do believe there was miscommunication and the part of it is also my responsibility as well but her attitude was making me even more mad than the actual issue. I do not understand how this person is in charged as customer service manager. If this kind of person is in charged in customer service at Barclay credit card, I just can't trust this company as a whole and it is very disappointing.Desired Settlement: I also want sincere apology from the person in charge and reasonable billing adjustment.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 10, 2015[redacted]RE: Barclaycard Arrival Plus World Elite MasterCard account ending in 3529[redacted]Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond. We completed our investigation and sent you a detailed summary of any actions we may have taken. Please allow 7-10 days for delivery by 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:

The barclay company called me twice on weekday (Nov2 and Nov 3) while I was working. I even emailed back to them I would call them back on my day off. When I called back on following Friday and Monday. No one was answered so I left voice mail to [redacted] last Monday. She didn't call me back.

Review: I made a purchase on 10/28/15 for $499.75 to Rastall oil company using the barclay card and due to system errors the merchant charged the credit card five times with the same amount of $499.75. I contacted the merchant once I noticed that my credit card has used all my credit limit and I did three way call with the credit card company in order to reverse the charges. For some reason the representatives at the barclay bank were not able to solve this issue even after contacted the security department which I was told to do, so I can have the 5 charges taken out since this was obviously an error. It's been five days since the transaction was done, after several calls trying to reverse these charges that are affecting my credit score since it maxed up my credit card I have not been able to get Barclay bank to remove the charges.Desired Settlement: I need for Barclay Bank to reverse these charges that I did not incur. I only authorize one purchase of $499.75 not five purchases with the same amount, this is an error and Barclay Bank is not following the procedure as to dispute unauthorized transactions.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 16, 2015[redacted]RE: Barclaycard Rewards MasterCard account ending in 7121

[redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond. We completed our investigation and sent you a detailed summary of any actions we may have taken. Please allow 7-10 days for delivery by 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: I received a fraudulent charge on my visa bill posted on 1/8. I have been an LL Bean Visa customer for almost a decade. I have always made my payments, and fortunately, never had a fraudulent charge to report. When I called Visa to report it the day I got my bill, they asked that I first contact the business where the charge was made. It was a $215. Toefel exam. I did as they asked and got a case number from the business and called Visa again to report my findings. At that time, I even asked, why I needed to do this research as I believe as a customer you should have my back and best interest in mind and this does not sound like customer service. It sounds as though Visa should be researching this not the customer. But nonetheless, I did what they asked. The charge was again not removed. I called in February and they said it would take 30 days. Again in March, same thing. I called again and explained the entire situation and they said someone would call me back. Never happened. I called again and explained again, still no resolution. In April I receive a bill with late fees, etc. and the original fraudulent charge still not resolved. I call again and explain then speak with fraud department. The representative questioned if I ever did business with that establishment. I said the only contact was when Visa instructed me to call them to research this?? This whole thing sounds crazy. I asked that they resolve this. I let them know I would be contacting your office as well. I also asked them to close my account. I have paid over $10,000 to them through the years. The one time this happens they question me? And they ask me to do the research and work? This is crazy and poor, poor customer service. In this day and age when identity theft is rampant, one would think they have a process for claims like this? I feel they caused me undue stress and work on my part and should have resolved this issue when I called the first time in January? Thank you.Desired Settlement: Ask them to come up with a policy so they don't torture their customers. I'm done with Barclay and LL Bean for that matter.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 April 27, 2015 [redacted] RE: L.L. Bean Visa account ending 3512

[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,

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: After several months of calling and twenty faxs to the reps no one has been able to help with the reporting of information to the credit bureaus.I need to talk to someone that will not keep transferring me.Desired Settlement: Please call me at [redacted]

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 13, 2015 [redacted] RE: Carnival MasterCard account ending 3996

[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: I called into the Barclay Card customer service department on June 16, 2015 in order to process a payment. Upon completion of payment, I informed the customer service representative from Barclay Card Employee ID# EPMMSC that I would be making the next payment at the end of July and that the balance would be paid in full. The operator stated that she understood and reminded me that my due date was July 21, 2015 but informed me that it would not be an issue as the balance would be paid in full. At the end of this conversation a verbal agreement was initiated and a contract formed. At the end of July, I called Barclay Card customer service and tried several times to make the payment with an Australian bank account and even gave them the account number and the routing number and the BSB number as well as the debit card number. Barclay told me on each of those occasions that the payment could not be processed and that the only way to process it would be with a wire transfer or an American bank account. I then proceeded to transfer the funds from my Australian bank account to my American bank account. As soon as those funds were transferred, I made the payment in full which amounted to $2000. The date that the payment was processed was August 7, 2015. A few days after that, I became aware that the credit limit had been decreased. At the beginning of September I phoned barclay card again and inquired about the decrease in the credit limit. I was given a whole host of reasons none of which were true according to the manager that I asked to speak with. The managers name was [redacted] and he was located at the Nevada office. I explained to him the previous conversations that were had on July 16th and that the credit limit had been decreased. He assigned me a case number (Case # 26904) and informed me that the tapes of those conversations would be pulled and that if the information that I had given him aligned with the conversation then the credit bureaus would be notified and the situation would be rectified. I called Barclay card again on September 23, 2015 (September 24 in Sydney) and explained the situation to [redacted] from the Colorado Springs office and he informed me that he would transfer me to the Portfolio credit Unit to the situation rectified. He stated unequivocally that the phone conversation that occurred on June 16 was a verbal contract and that the next person that he transferred me to was going to be able to rectify the situation. I then spoke with [redacted] from the Portfolio Credit Union and I explained the situation to her and she did some research and told me that there was nothing that can be done at this point. She kept giving reasons such as continued late payments which did not match the credit report that I had pulled up (dated August 25, 2015) and that did not match the facts of the case. I then asked to speak to a manager and he told me that there was nothing to be done. When I enquired about the conversation with [redacted] and asked if the tapes from that conversation had been pulled, I was told that they are never pulled and that I had to speak with customer service about that. I was then transferred to a customer service manager, and informed her of the situation she went back into the notes from the conversation and read them aloud to me. Those notes stated that there was agreement to pay at the end of July which proves that a verbal agreement was formed. She also informed me that the tapes were not pulled and that there was nothing that could be done unless I spoke with the Profile Credit Unit.Desired Settlement: The desired outcome is as follows. First, the tapes from June 16, 2015 that prove that the conversation took place concerning a promise to pay in full the very next month and that I would be traveling to Australia when the next payment would be made. Second, given the breach of contract on the part of Barclay card I wish to have my credit limit restored to the amount that it was before $2,000.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 7, 2015 [redacted] RE: Barcalycard Visa account ending in 7463 [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: I request two balance transfers. One transfer was completed but the other did not get processed correctly. My account with Barclaycard has charged me for the amount of $994 on my card with them. I have attempted multiple times to contact them directly to resolve this problem and yet nothing is done. I call and get disconnected. When I do have someone on the line I am transferred and put on hold a ridiculous amount of time and then they tell me that their "Superviser" has told them to tell me I need to contact my other bank because it isn't their fault!?

I have told them that I have contacted the other bank and explained the problem and they then say that Barclay must have sent the money to the wrong account, in that case they would return the check.

I finally was able to get someone at Barclaycard to acknowledge the account they sent the check to was incorrect. But instead of getting this resolved I received a letter saying that if I still had problems to call this number...[redacted]. I called that number and it's a recording to some other place and they say my account is not recognised.

So, now two to three months later I am still getting charged interest on my acct that was suppose to b paid off on AND I am getting it charged on Barclay card also!!

I have now been told AGAIN that they only deal with problems with a "merchant purchase" so now ANOTHER look by a differs area will have to " look into it" and it will take at least two weeks.

So in the mean time I am being charged TWICE! When will this get resolved??? And why is this getting ignored?Desired Settlement: I need to have the money sent to my acct as the "transfer" or remove the charge from my Barclaycard acct.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 5, 2015 [redacted] RE: Wyndham Rewards Visa account ending in 6691 [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,

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: I don't have a Barclay card yet Barclay calls my number every day and after speaking with them multiple times they refuse to remove my number from their collection calls, even though I have no account with them. This needs to stop now. I am being harassed and it is unacceptable.Desired Settlement: Remove my number [redacted] from your call list and stop the harassing phone calls now.

Business

Response:

P.

O. Box 8885Wilmington,

DE 19899-8885October

20, 2015[redacted]RE: Telephone calls from Barclays Bank

Delaware[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 completed our investigation and sent you a detailed summary

of any actions we may have taken. Please allow 7-10 days for delivery by 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,[redacted]

Review: I RECEIVED A BARCLAY VISA SIGNATURE CARD UPON BECOMING AN OWNER OF [redacted] RESORTS. THE VISA CARD BILLED MY [redacted] PUCHASE OF $20,000 AND MONTHLY MAINTENANCE FEES OF $107.39. I SET UP A MONTHLY BANK DRAFT TO MAKE ALL PAYMENTS ON THE BARCLAY VISA. I NOTICED EARLY ON ,I WAS GETTING EMAILS TO REMIND ME OF PAYMENT DUE (BEFORE I RECEIVED MY MONTHLY STATEMENT) FROM BARCLAY. THEN ON MY 5TH BILLING (june 12th, 2015)I HAD LATE FEES. I THEN MADE A DECISION TO CANCEL MY BARCLAY CARD AND SET UP MY MAINTENCE FEE PAYMENTS TO [redacted] IN ANOTHER WAY. I CONTACTED BARCLAY REPEATEDLY FROM THE JUNE BILLING FORWARD. I CONTINUED TO RECEIVE BILLS EACH MONTH WITH LATE FEES AND INTEREST CHARGES FROM BARCLAY. EVERY TIME (EXCEPT ONCE AND AGAIN TODAY) I CONTACTED BARCLAY I WOULD END UP WITH SOMEONE THAT COULD NOT SPEAK ENGLISH AND COULD NOT ANSWER QUESTIONS. AFTER 20 OR MORE HOURS TRYING TO GET THIS RESOLVED, I WAS A NERVOUS WRECK!!! MY HUSBAND TOLD ME TO FORGET ABOUT IT. SO, FOR A TIME I DID. TODAY I MADE ONE LAST ATTEMPT AND DID GET A U.S. AGENT. SHE THINKS ON THE JUNE BILL MY PAYMENT WENT BACK TO MY BANK. I ADVISED HER THAT THE BILLING WAS WRONG.IN HOPES OF RESOLVING THIS ISSUE OF TORMENT, I AGREED TO PAY THE 107.39 (EVEN THOUGH [redacted] RESORTS TOLD ME MY MAINTENANCE FEES WERE UP TO DATE AND WITH A CREDIT)IF THEY WOULD REMOVE ALL THESE LATE FEES AND INTEREST CHARGES ADDING UP TO OVER $211.00 SINCE I COULD NOT REACH AN AGENT TO TALK WITH IN ENGLISH OR HELP ME. I REQUESTED A FINAL BILL AS WELL. [redacted], WITH BARCLAY SAID HER SUPERVISOR, WHOM SHE HAD TALKED WITH SEVERAL TIMES DURING THE CALL, SAID I WOULD HAVE TO PAY TOTAL FEES BILLED EVERY MONTH TO GET A FINAL BILL. I AM RETIRED, HAVE EXCELLENT CREDIT AND THIS IS JUST PLAIN WRONG.[redacted] DID SAY THIS WAS AFFECTING MY CREDIT SCORE. THIS IS NOT A FAIR WAY TO TREAT CUSTOMERS THAT ARE UNABLE TO TALK TO A U.S.AGENT OR ANYONE THAT UNDERSTOOD THE BILL. I WAS EVEN TOLD THAT THERE WERE NO U.S. AGENTS IN THE BILLING DEPT.Desired Settlement: I WOULD LIKE A 100% ADJUSTMENT ON MY BILL AND A FINAL BILL SHOWING $0.00 AMOUNT DUE. ALSO, IF THIS HAS ANY EFFECT ON MY CREDIT RATING (WHICH WAS 803) I WOULD WANT THAT CORRECTED AS WELL.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 30, 2015 [redacted] RE: Wyndham Rewards Visa account ending 6049 [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]

Review: I made a purchase on the UPromise website with Blue Nile for $36,010 in January 2013. On the site, they advertised 5% cash back up to the first $7,500 for purchasing from their site plus an additional 5% for the entire purchase amount for using the UPromise World MasterCard. UPromise honored the first 5% for purchasing on their site, but I was not credited for the full 5% from Barclay for using the UPromise MasterCard. I am owed $1800.50 for this purchase, and they are refusing to honor their promise. Before purchasing the item, I read through the terms and conditions which explained, with examples, that I would be credited for the full purchase amount. I then called up three separate times to verify the rules with a Barclay representative. All three representatives confirmed that I would be awarded a 5% cash back on the full purchase amount for using the credit card. The names of the representatives I spoke with and dates are: -January 24, 2013. Representative, [redacted] confirmed I would be awarded the full 5% and verified this with a supervisor as well as the terms and conditions listed on the website -January 2, 2013: Representative, [redacted] confirmed that I would be awarded 5% bonus cash back for the full purchase amount. Also confirmed with a supervisor. -December 12, 2012: Representative, [redacted]) confirmed I would be awarded the full 5% cash back with no limit on the rebate or purchase price. Confirmed this with a supervisor. These conversations were recorded, yet Barclay has refused to share the transcripts of the calls with me and will not credit me for the full purchase amount as promised. I am asking that they honor what they advertised and what three separate Barclay representatives confirmed with me over the phone.Desired Settlement: I am owed a $1800.50 cash back rebate for the purchase. I want them to honor their promise and pay me the amount due.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 26, 2013

RE: Upromise MasterCard account ending [redacted]

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

Thank you for taking to time to speak with me on November 11, 2013. As per our conversation, we have investigated the rewards earnings associated with your January 25, 2013 purchase with Blue Nile LLC and determined that the amount of Cash Back Rewards entitled to you in accordance to the terms of your account has been provided.

Our records indicate that a total of $659.36 in Cash Back rewards was credited to your account, including $300.00 from Upromise and $359.36 from Barclays. The amount provided exceeds the amount due based on the terms of the rewards program. Your Cardmember Agreement states that the 5% Cash Back for Upromise online retailers is subject to the Upromise Online Terms & Conditions. The Upromise Online Terms & Conditions for Blue Nile LLC state that as of September 1, 2012, College Savings will be rewarded up to a spend of $7,500.00. Any spend over that amount will not receive College Savings. Based on the $7,500.00 spend limit on the 5% Cash Back reward for Blue Nile LLC, the maximum credit card Cash Back reward for any single purchase is $375.

In addition to this response, Upromise has also provided you a response under separate cover which outlines any accommodation that may be given. Should you have any questions please contact me directly at [redacted]. My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.

Consumer

Response:

Review: I noticed two fraudulent credit card charges made on 10/24/14 - MUZZONE RECORDS, $94.99 and 10/25/14 - BOOM FILES $111.95. I called BarclayCard customer service on Nov 1 and was told that it would be taken care of. I cancelled the account as to prevent further fraud charged and called again on Nov 4, was put on hold for 45 min, and still it was not taken care of. It is now over 60 days when these charges were made and I have not recieved credit for them.

I've called since then, and again, still now credit.

I am hoping that Revdex.com can assist in expediting this complaint.

Thank you,

PhilDesired Settlement: Credit of $206.94 applied to current credit card account

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 11, 2015 [redacted] RE: Choice Privileges Visa account ending in 1386 [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 spoke to someone from BRCLYSBANKDE in reference to a mistake that was mostly done on my part. I didn't realize I signed up for there service a month prior to applying again. This resulted in 2 hard inquiries on my Transunion credit report. I spoke with a gentleman who agreed that they could possibly help me out and reduce this to a 1 hard inquiry in certain circumstances and he would have someone contact me in a week. I still have yet to this day to get a response wether or not they can do that for me as it does have a affect on my score. The purpose was to increase my credit when I spoke with this individual and he agreed. "Yes this sometimes happens and we get that all the time" Well if you can help. I'm trying really hard to fix my credit and like I said I went to you to try and fix it.

Thank you very much.Desired Settlement: I would like you to contact Transunion and have them delete the BRCLYSBANKDE inquiry if possible. If not can you please send me an explanation why you would say something and not call me back. The applications were made in February 2013 and March 2013.Thank You.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

February 13,2014

RE: Credit Bureau History Dispute

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. Under separate cover and on February 13, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days to receive this in the mail.

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

Review: This company for the last 6 months send me a credit card application at least 2 times a week & some weeks I get 3. I have sent there application back a minimum of 20 times & requisted to be taken off there mailin list. I also have returned many of these mailings thru the post office by way of return to sender. They are at the point of bagering me thru the us mail. This is just dumb on there part. If this don't stop them I will consider taking them to court.Desired Settlement: TO "NOT RECEIVE ANY MAILING, EMAILS, PHONE CALLS FROM THEM OR ANY OF THERE ASSOCIATES, SUBSIDARY COMPANY & OF THE BARCLAYS GROUP.

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

September 27, 2013

RE: Marketing Solicitations

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

We apologize for any inconvenience you may have experienced while attempting to resolve this matter. We have updated our records to exclude you from receiving future offers from Barclaycard. Since some offers may already be in process, please allow up to sixty days for all mail solicitations to cease.

If you have not done so already, you may contact the Direct Marketing Association (‘DMA’) who tracks consumers who prefer not to receive mail or telephone solicitations. The DMA can provide information about Opting-Out of lists produced by companies that subscribe to its Mail and Telephone Preference Services. You may contact the DMA at https://www.dmachoice.org.

We hope that this addresses your concerns. Should you have questions, please contact me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Consumer

Response:

Review: It all started when I paid my bill twice in June. The rest of my tax return had come in and I chose to make July's payment before I had ever received a statement. From that time on I have not received any statements from them. They started calling my several times a day by the end of July. To the point I had comments coming in from employees at work. I had paid the bill though for July! Then, without a statement I made a payment, over the phone, in the morning, Sunday September 1st of $50.00. A few more dollars over the minimum due. After that payment was made they began to call up to 8 times a day! I paid them once again and they claim I did not! It's very upsetting, especially because I am trying so hard to rebuild my credit from once being married to someone who was terrible with money and having a child that has special needs.Desired Settlement: To have this untrue delinquency taken off my credit, overdue and over limit fees (due to them claiming my not paying) taken off my account and for normal monthly payments to resume. They have been very snotty with me, harassing me and obviously they will not work with me. I feel like because of my past, they are treating me like a sub human.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 8, 2013

RE: Barclaycard Rewards MasterCard account ending [redacted]

We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Revdex.com. We understand your concerns regarding the payments made to your account, as well as the current credit bureau reporting of your account and would like the opportunity to respond accordingly.

We regret any inconvenience you may have experienced while attempting to resolve this matter. I attempted to reach you over the phone and unfortunately was unable to reach you. Since I was not able to discuss the matter with you personally, please allow me to explain the results of the investigation.

We confirmed your statements have been mailed each month and have no record of any correspondence being returned from the post office. If you’re experiencing mail delivery problems, you may want to explore the possibility of setting up online access to assist with managing your account at BarclaycardUS.com.

As of the date of this letter, we have not received a payment on your account since June 27, 2013.

In order for us to research your payment claim, we need documentation including evidence our company processed your payment. If you have this information, please fax to my attention at [redacted]. Upon receipt, we will immediately investigate and remove any fees, interest and delinquency that may have been reported as a result of this matter.

If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling [redacted]. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Review: Errors exist on credit file that are not being remediated. I am expecting proof of account ownership and payment history or the correction/removal from my credit file.Desired Settlement: Remove / correct credit file. Send proof of ownership / account history.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 8, 2015 [redacted] RE: Apple MasterCard account ending 6806 [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,[redacted]

Review: https://www.barclaycardus.com/apply/Landing.action?campaignId=1303&cellNumbe...⇄ />
At the above listed website you will find an offer for a credit card with a 0% apr. I applied for and was approved for the card in question. The only reason I applied was because of the interest rate. Upon approval I was never made aware that the interest rate was going to be 13.99%. This did not come out until after my first statement. The way this was linked to my cruise ticket purchase I was approved for an amount of money but not made aware of the interest rate while making the purchase on carnival.com. It turns out that I was not given the introductory interest rate and I am currently paying interest on an amount that I should have just paid out of my checking account. I have decided to cancel the card and pay off the associated debt but would like to make everyone I can aware of the current credit practices of Barclay U.S.Desired Settlement: I would like them to honor the advertised interest rate and refund the amount of interest charged to the account currently.

Business

Response:

P.O. Box 8885

Review: Hi, I am writing to file a complaint about my Barclaycard Financing Visa Card. I am shocked and appalled by the deceiving business that they conduct. That Visa card is a scam and they are taking advantage of less finance savvy consumers.

I applied for my Barclaycard Financing Visa Card and got approved for it when I was buying my new iPhone 5 on [redacted]’s website a couple of months ago. Barclay’s promotional offer said that my credit card interest related to [redacted] products/services that I was buying at the time would be deferred for 12 months. Seemed like a great deal since I was about to spend $900. However, the card’s terms and conditions that I read at the time were deceiving. After charging about $900 of [redacted] products & services on the new card, I discovered two months later that Barclays charged me a card fee of $20 per month. While I was not being charged interest on the outstanding credit card balance, I got charged this fictitious $20 fee monthly. That $20 fee is an equivalent to 27% finance charge ($20 monthly fee *12 months/$900 = 27%)!

What is appalling is that the monthly card fee was not even described in the terms and conditions when I was applying for this card. It’s still not there. See the links to the [redacted]’s website that describes Barclaycard Financing Visa Card.

http://store.[redacted] If I carried the credit card for 12 months with a $900 balance I would have racked up $240 fees in 1 year ($20 *12 months = 240). Barclays would have probably also charged me a $35 late fee for not paying the $20 monthly fee. This is scam. I hope SEC investigates such business behavior.Desired Settlement: Hidden fees are unacceptable. Barclays should adequately disclose all fees in terms and conditions.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 31, 2014

RE: Barclaycard Financing Visa Card account ending 8881

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.

[redacted], if you have further questions, please contact me directly at [redacted]ur office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday.

Review: Sir/Ma'am,

I cancelled my 'Priceline Rewards Visa' credit card through Barclays Bank in January 2014. An annual subscription renewal with another company charged that same card on August 30 and they (Barclays) accepted that charge instead of informing the other company of the cancellation. After calling Barclays they were unwilling to forgive the charge however they did put it on hold. I then spoke with the other company and they were kind enough to cancel the charge. Barclays had absolutely zero business accepting that charge and shows some incredibly poor business practices in doing so. I would even say villainous business practices, because they knew by accepting the charge I would have to pay and maybe start using the card again, or better yet for them I would not have even noticed so that way the could have charged incredible amounts of interest.Desired Settlement: If these are Barclays business practices I would like them to receive a poor rating through the Revdex.com. That way other poor citizens may be made aware of their greedy practices and seek out better companies with which to do business. I know credit card companies perform some 'shady' acts but this certainly takes the cake in my experience.

Consumer

Response:

Sir/Ma'am,

The resolution I am seeking is Barclays Bank's justification for reactivating a card that has been cancelled for 8 months. Being that they likely do not have an honorable justification I would like a record with the Revdex.com of the business practices of Barclays so that others may be warned in the future.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 30, 2014

RE: Priceline Rewards Visa account ending 9174

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.