Barclays Bank Delaware

Review: I recently applied for a Barclay's credit card which offered 0% APR on balance transfer fees and purchases over an 18 month period. I applied for this card because I wanted to transfer a balance from a credit card I had which was 14.99% in order to reduce my debt. I received an email congratulating me and telling me that I was approved for the credit card. About a week late I received the credit card in the mail and to my dismay the account summary which accompanied the card stated my interest rate would be a whopping 22.99% rather than the original fee of 0% that I was originally quoted. I immediately called the credit card company and told them that this is not what I applied for and explained the situation to them. The woman on the other end told me she had no record of my original application and asked me to give her the site I went to to get the loan. Of course, I didn't remember the actual site and was unable to locate it afterwards. In the meantime, the woman told me that that since she was unable to verify my original application she could only offer me the card with the increased interest rate that I received and tried to lure me with a promise of 10,000 bonus points worth $100.00 if I charged more than $500.00 on the account within 30 days of opening it. I told her that I was not interested since I was not interested in transferring a balance from a credit card with a much lower rate to the higher rate they were offering me. I told her "never mind" and that I did not want the card and that I was not going to activate it as a result. In the meantime I got a statement (asking me to activate my card) with the balance transfer that I requested at a rate of 0%, with fees for the balance transfer totaling approximately $31.00 at the rate of 22.99%. I immediately called the credit card company and spoke to a man named Jason. He attempted to give me a run around about the APR and my credit worthiness, and upon debate, agreed to return my fees after I told him that I felt swindled and cheated, especially after I called the company to tell them I wasn't accepting this rate and would not be activating the card. I was very upset that this man tried to turn the tables around on me to make it look like I was responsible for what had happened and not the company. It wasn't until I told him that I would be reporting him to the Revdex.com that he agreed to return my fees. Initially he wanted to transfer me to a manager to ex[plain the fees so I would better understand them but I declined. I needed no explanation. As far as I am concerned they were deceitful in their advertising and every other aspect of this incident. [redacted] transferred me to a manager by the name of Marie. She was un-empathetic, callous and condescending. I told them to close both my accounts. I do not want to do business with a company and employees with not moral character. If I was not eligible of the 0% APR I should have been notified of that, not have a credit card with a 22.99% interest rate forced down my throat, then have them try and bully me into the fees and rates after I specifically said I didn't want it when I called and cancelled the card, which they didn't do at that time.Desired Settlement: I want my bogus fees refunded and accounts closed. Also, it would be nice if someone would police them on their false advertising practices. If I was not eligible oforthe 0% APR I should have been notified of that, not have a credit card with a 22.99% interest rate forced down my throat after I specifically called and cancelled it.

Business

Response:

P.O. Box 8885

Review: I had a upromise credit card that was previously service by Bank of America and transferred to Barclays bank of Delaware in September of 2012.

On January 24, 2014 I received a letter dated January 17, 2014 from Barclays Bank of Delaware, stating that My account was closed. The reason give was that I had not used my account for an extended period of time. This was the only communication that I received from Barclays bank. Seeing that I have had a unpromise credit card for many years and never had any issues, I decided to contact Barclays Bank on 2/25/14. I spoke to [redacted]) who informed me that there was nothing she could do and that she would refer the case to a manager. A message was left for me a few days later with a reference number # [redacted] for me to contact the Resolution TEAM at [redacted]. I contacted the resolution team on 2/3/14 and spoke to a rep name [redacted] who stated that no prior notices were sent to me and that Barclays Bank reserves the right to close any account for failure to use. She further stated that the only way for me to get a new card is to reapply for a new account. This I have a major problem with, seeing that I have used the card many times prior, paid on time and never had any issues. It is my belief that they should have given me the opportunity to use the account instead of closing it.

This situation was poorly handled.Desired Settlement: I prefer that my account be reactivated without me having to reapply for a new card and having to undergo the credit approval process all over again.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 13, 2014

RE: Upromise MasterCard account ending in 3160

[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. Under separate cover, we 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 normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday.

Review: Barclaycard mailed me promotional checks, known as Access Checks, with my credit card number on them. Someone pilfered my mail and stole these checks (as well as checks from Capital One -- in both cases I have requested the banks to discontinue sending such checks through the mail) and used them to deposit large amounts of money into personal checking accounts, which they later withdrew as cash. The accounts where the checks were illegally / fraudulently used and deposited were held at Wells Fargo. I am a Wells Fargo customer, so when these suspicious checks were presented, a Wells Fargo representative called me to inquire whether they were legitimate. We believe a number of checks were halted this way, but not until after several had already been deposited and cashed. Two of those checks -- in the amount of $1800 (deposited / cashed January 16) and $4410 (deposited / cashed February 5) -- were Barclaycard checks. After speaking with Wells Fargo, I called Barclaycard immediately to report the first check (January 16, $1800) as fraud and continued to monitor my account. When the second check posted to my account (February 5, $4410), I called again. I was assured this would be taken care of. I continued to monitor my account. No change. I called again. This time the representative said my issue was originally referred to disputes when it should have been fraud and that she was sending it to fraud and I could expect a result within 7-10 business days. I continued to monitor my account, but there was no change. I called again yesterday, March 3, to find out the status and the representative said the issue would be escalated and that a representative would call me today, March 4. I posted this complaint on social media as well, and was assured by a customer service representative there that I would receive a call today. I have not received a call and there has been no change to the status of my account. This issue has been enduring for 47 days and counting, which is an unacceptable amount of time for a fraud claim. (For reference, Capital One initially was not very expedient, but after my second phone call they resolved the issue within the hour and the fraudulent charges are no longer associated with my account.)Desired Settlement: I would like to see the fraudulent charges (and associated fees) removed from my account immediately.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 24, 2014

RE: NFL Extra Points Reward Program Visa account ending in 6829

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, we 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 normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday.

Review: I receive offers for a line of credit via application for a credit card. Sometimes two to three times a week. I have called their toll free number to OPT-OUT of prescreened offers numerous times. And I have even went so far as to notify all of the credit score companies that I do NOT want to receive offers for credit. Barclay STILL sends me the offers for a credit line via credit card. I want this to stop. I want my name and address removed from their database.Desired Settlement: I want my name and address permanently removed from their database as well as any information given to any of their partners. I do not ever want to receive an offer of credit from this or their partners ever again.

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

April 16, 2014

RE: Marketing Solicitations

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 [email protected] or by calling me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Review: I went to make an extra payment to Barclay Card on February 2nd which SHOULD have been credited to the FEBRUARY 2014 statement. The payment I made was for $100 and when I made the payment it was with the intention that it would be applied to my February bill and I would NOT be due again until March 28th. HOWEVER, I did make 2 calls to the Barclay Card Customer Service to resolve the issue, and I was told that 1, they would reverse the late charge fee, for which they did, and I was also told that I would NOT be considered late and that I was all set to make my regular payment March 28th of 2014. So I waited and kept checking my account on the barclaycardus website which never reflected my being put back in good standing with Barclaycard despite the error being on their part, and in fact, they locked down my account so that I could NOT contact any agents to try to continue to work the problem through to my satisfaction, but instead put me into collections. The fact of the matter is that I did pay my bill and I paid on it early and I paid more than the minimum payment but again, I was NOT informed in any of the paperwork that I received when I got the card that I needed to wait until after the 4th of the month before making the payment so that the payment could be applied to the right billing cycle.Desired Settlement: My account, by my request has been closed, But what I would like them to do is to NOT contact me in any fashion and I will dispute the account through the credit bureau. I would like to be informed of which of the Credit Bureaus they report to so that I may accurately dispute the account as I disagree with them completely about where my payment should have been applied to as opposed to where it actually went to. I no longer wish to do any kind of business with Barclay Card, but I would however also like it be well known through the Revdex.com what a horrible horrible business they run and alert any other potential customers to the possibility that they too will have major problems with this credit card company

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 23, 2014

Re: Barclaycard Rewards MasterCard Account ending in 9650

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, we 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 normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

Review: Barclay told me when my free interest was over the minimum payment would stay the same now it has when up. now they will not correct it and they will not give me a hardship plan or lower my rate I told them I was having a hardship they would not work with me at all to lower the payments or the interest rate I even ask if they could give me the current offer they had 9.99 percent they would not do that.Desired Settlement: lower the rate and the payment.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 21, 2014

RE: Barclaycard Rewards MasterCard account ending 0242

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 5:00 p.m. ET Monday through Friday.

Review: I opened a Barclay credit card in December of 2013. I made my first purchase on Feb 21 of 2014. Although I had not been receiving any statements until than, I never bothered calling Barclay since I figured it was due to me never having used my card. On feb 21 I made some purchases totaling over $1,000. The payment on that was due April 1. After not receiving payment on it by May 1, Barclay called me to let me know that a payment was due. I told them, that I would pay the bill as soon as I received the statement. At that time I didn't have an online account set up so I could not view it online. They told me they would send me a bill right away and they did. I called them on May 7 and made the payment. At that time I explained the representative that the late payment was due to me not receiving the bill. They helped me set up an online account so that it wouldn't happen again and agreed to refund the late fees, remove the interest charge, and not report it to the credit bureaus.

In the end of June I started looking to purchase my first home. The mortgage specialist at Quicken Loans told me that I was declined since my score was pretty low. I was shocked since I never had any issues with my credit score, and as far as I knew this was never reported. I immediately contacted Barclay to let them know of their error and they tole me to send my claim in writing to their FCRA department for review. When I called in today, 07/18/14, they told me that the claim was denied. I am very upset about this since it was a mistake on their part, they refuse to fix it, and it is now impacting my ability to purchase a home.

I would really appreciate if someone could get back to me on how to correct this issue.

All the best, [redacted]Desired Settlement: I'd like them to correct it and report the correction to the credit bureaus so that this late payment can be deleted and I can get approved for that mortgage.

Business

Response:

P.O. Box 8885

Review: They will ask you to prove your identity and to send it to a PO Box. Every time you call they will say they didn't receive anything. On top of that they are already reporting on your credit report! For a line of credit you have no access too. When you finally get fed up with the run around about them not receiving documents and ask them to cancel your account, they will tell you they can not do anything with the account until your identity proven. How were you able to open a line of credit in my name before my identity is proven! So now I have a credit line reporting on my credit that I have no access to and I am not able to close it. I am completely frustrated and astonished that they are able to open a line of credit in my name without proving my identity, report to the credit bureaus, and then place a hold on my account and not allow me to do anything. I have sent the documents well over three times. Do not get a credit card with this bank, what a fraud.Desired Settlement: Either close my account or remove the hold, it's not ethical to hold someone's SSN hostage.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 27, 2014

RE: Barclaycard Financing Visa account ending 6662

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: I opened a credit card account with Barclay bank. Which had a credit limit of $1300.00. I was sent that card. I did not use the card for a couple of months then I charged something on the account. That month I sent in a small payment. I keep close tabs on my banking activities. So I kept checking on that deposit to see when it had cleared my bank. It FINALLY did a but, it did not show on my online account. I called several more times, no one knew. I was online one day trying to figure it out. Then I noticed what was 4 numbers I thought it was the last 4 numbers of my credit card. It was not .

It was a totally new card with a limit of $4300.00. They say it was opened on the same day as the other.

HAVE YOU EVER HEARD OF A BANK OPENING 2 CREDIT CARD ACCOUNTS ON THE SAME DAY TO ONE PERSON?????

WELL, I DID NOT OPEN THE SECOND ACCOUNT. I told BARCLAY to close the $4300.00 account which they say they did. But it still shows up on my online banking page.

OH, I DID FIND OUT WHERE MY DEPOSIT WENT. IT WAS APPLIED TO THE $4300.00 ACCOUNT EVEN THOUGH THERE WAS NOT A BALANCE ON THAT ACCOUNT. The balance showed a negative balance.

I FINALLY got the balances transferred to the correct account.

MY COMPLAINT is that the closed account is STILL shows up on the online banking page. THEY SAY THEY CAN NOT REMOVE IT. I am asking WHY. I DID NOT OPEN IT!!!!!

MY concern is a closed credit card account shows up on my credit score and lowers it. WHICH IS WHAT HAPPENED.

I want that account REMOVED from my name and credit report. Of course as soon as I get this account payed off I will NEVER CHARGE ANYTHING on the Barclay account again.

I did notice in researching this problem that Barclay has MANY, MANY, MANY complaints against their credit card practices.Desired Settlement: I want the closed account number taken off my internet page. I want that account erased from my name and credit report.

I really don't think it is completely closed.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 3, 2014

RE: Barclaycard Financing Visa account ending 5366

Barclaycard Financing Visa account ending 5720

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: Please know that I have contacted the company about this issue several times before filing this complaint.

I am currently unemployed but have been making my monthly payments on time every month. At this time I am not able to pay the full monthly minimum but my payments are never less than $25.00 except for this month. I have explained this to them and also told them that I am willing and have been paying them what I can afford monthly. They send me emails 2 to 3 times a week telling me that I have forgotten my payment which I haven't and instead of working with me they are charging me a late fee because I am not making the full minimum monthly payment. I could see if I wasn't making any payments at all but I am doing the best I can while I try to secure employment.Desired Settlement: I would like for them to work with me at this time by accepting the payments that I am willing and able to make, stop charging me late fees because I am making payments and to reverse the late fees they have charge.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 18, 2014

RE: Barclaycard Rewards MasterCard account ending 8111

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: HI THIS IS [redacted]. I HAVE A $100 VISA GIFT CARD FROM ATT. I WANT TO USE THE WHOLE AMOUNT OF THE CARD TO PAY MY CREDIT CARD. BARCLAY BANK SAYS THEY ONLY PAY FROM A CHECKING ACCOUNT. THIS CARD IS NOT TIED TO ANY BANK ACCOUNT. I NEVER HEARD OF ANY CREDIT CARD COMPANY THAT ONLY USES A BANK ACCOUNT TO MAKE PAYMENTS WITH. THEY NEED TO ACCEPT THIS CARD O I CAN MAKE A PAYMENT. THEY NEED TO DO IT.Desired Settlement: I WANT THEM TO LET ME USE MY $100 GIFT CARD FROM ATT TO PAY MY CREDIT CARD. THATS WHAT I WANT FROM THEM. IF THEY CANT DO THAT I WANT BARCLAY TO PAY OFF MY BALANCE. THOSE ARE THE ONLY 2 SETTLEMENTS I WANT FROM BARCLAY BANK. I MEAN THAT.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 November 26, 2014 [redacted] RE: Barclaycard Financing Visa account ending 8998 [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 5:00 p.m. ET, Monday through Friday. Sincerely,

Consumer

Response:

Review: This company closed my credit card account due to late payments. I have called many times about this incident starting in Nov of 2014. They had made an error on my bank acct info and failed to deducted my payment on time. I called and supposedly corrected the issue, the same thing kept happening every month. The payment would not go through due to incorrect bank info and I would have to make a payment over the phone using the same exact bank info. They acknowledged that there was an error with there system and that everything would be resolved not to worry. We are now on March and my acct has been closed due to late payments. I have called on a monthly basis to confirm payment and was advised that everything was in order. Apparently nothing was ever fixed and now My account is closed and in collection through no fault of my own. I tried to resolve this with them and was informed that there is nothing that they can do to help me. I have paid the balance on full as of today. The only reason I used the card was for the 1 year 0% interest which turned out to be a lie as well since I was charged interest from day one.Desired Settlement: I have been charged interest and late fees through no fault of my own. I would like the late fees removed and no late payments or collections to appear on my credit.

Business

Response:

P.O. Box 8885

Review: I was requested to call Barclay's Bank on behalf of my mother-in-law. A credit card account was opened in Mrs. [redacted]'s name without her permission by her daughter. I called and they instructed I get a signed letter by my mother-in-law [redacted] to allow me to speak on her behalf. Mrs. [redacted] wrote the letter and faxed it to Barclay's Bank as per the service representative's instructions.I called Barclay's Bank to confirm receipt and they confirmed it and we proceeded to address her account. I explained the situation and they eventually transferred me to the security department. I spoke with [redacted], advised him of the situation, and request they open up an investigation. Mr. [redacted] then explained they can't do anything because Mrs. [redacted] "acknowledged" the account. I didn't understand and he further explained. I requested all the billing invoices concerning Mrs. [redacted]'s account. I have received the statements.I called a few days later and left a message for Mr. [redacted]. I stated, although I understand the situation, I wanted Barclay's Bank to open up another investigation. I waited approximately a week and Mr. [redacted] never called back. I called again and Mr. [redacted] never called back. During this time I was transferred and kept on hold for at least ten minutes at a time. It was when I became irate, I finally got an answer. I was told the initial letter submitted was not sufficient and Mrs. [redacted] was to write a new letter and have it notarized. I explained she did not have to because we followed the initial instructions. I have been speaking with Barclay's Bank on Mrs. [redacted]'s behalf for approx two weeks. I never received a call from anyone in reference to this new information when I left messages for Mr. [redacted]. Mrs. [redacted] was initially threatened they would have to speak with her daughter and Mrs. [redacted] did not want to do that. Mrs. [redacted] has always paid her bills for which she is responsible. Barclay's Bank use of "scare tactics" towards Mrs. [redacted] are reprehensible.Desired Settlement: An impartial investigation be initiated. Once the investigation is completed, the balance be forgiven as if it never was opened. Once again, Mrs. [redacted] did not open this account and was not aware of it until her daughter suddenly passed away.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 7, 2015 [redacted] RE: Barclaycard Financing Visa account ending 0180 for Veronica Wolf [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:

Review: On April 3 I received a credit card in the mail. I called to let them know I didn't apply for it. I also explained that I was interested in getting one. They told me to apply, so I did. Then I got a letter stating that I already had enough credit with the card that I had them cancel. Then they asked me to send in copies of my drivers license, social security card, and bank statement. I told them that the credit bureaus said nobody should ever ask for that info. They said bureaus operate differently. I sent them a copy of my license, social security card and a electric bill. When I called them on April 20 they said copies won't work I need to the originals. I told the lady no I was told to send copies.Desired Settlement: All I'm asking is that they issue me a credit card and not treat me like I'm a criminal. I also feel they need to have better security for opening new accounts. As whoever opened in my name used some of my correct info but not all of it. They used the wrong address and wrong email, and my mothers maiden name.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 13, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 2744 [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: This will be the 12th time I have tried to rectify the issuseIm having with my card . This is by far the worst card I have ever had. There are 8 charges on my credit card from EQUIFAX that are not from me. I have spent over 8 hours of my time from work speaking with BARCLAY CARD about this. I was sent a new card and told ,as a courtesy I would be given a 50 dollar credit. Not olny have barclaycard not kept their word on that. The same charge has reappeared on my card again. Which mean some one has not done their job. Its dropping my score and holding me up from closing on my dream home. This here is not acceptable. There is a late fee showing because Im will not continue to bay my bill down only to keep getting hit with charges I did not do.Desired Settlement: I want all my money placed back on my card and for this company to be more professional.

Business

Response:

P.O. Box 8885

Review: I am writing on behalf of Cardholder, my grandfather, for whom I have financial Power of Attorney.

On 4/17/2015, I wished to discuss the April statement on the above account, which reflected an unauthorized transaction initiated by [redacted]-One Time for $300.00. Per CSRep [redacted]’s request, a copy of said PoA was faxed to LL Bean Card Services at 1-[redacted] along with my request that all past statements reflecting charges be mailed to the cardholder’s address on file. On 4/22/2015, I called to follow up, and faxed another copy of the PoA when CSRep Bobby Joe advised me that my first fax was not “in the system.” Both of those conversations ended with the Card Services Representative asking me to call back in a few days, to give the Power of Attorney enough time to “get into the system” before they could discuss the account with me.

On May 1, 2015, when I called for the third time to discuss the April statement and again request the statements be mailed, I was told by [redacted] [Dispute Department, 1-[redacted], ref: Case[redacted] that they would mail the statements. Also, I was advised that [redacted] had an additional [one-time] transaction a year earlier for $125.43 that would be reflected on the statements being mailed.

Simultaneous to FINALLY receiving the statement copies (the cover letter of which was dated May 1, 2015, with its envelope postmarked 05/07/2015) I also received the following month’s statement, which reflected another unauthorized transaction by [redacted]-One Time for $843.00 MORE. Naturally, there were also additional charges for late fees and interest on the second bill totaling $42.95, bringing the grand total now due to $1,185.92 for unauthorized transactions fraudulently charged to above cardholder's account by [redacted].

My 87-year-old grandfather has mild dementia, and for several months, unbeknownst to me, was subscribing to both Cox Cable and [redacted]. When I pointed this out to him, in January of this year, he promptly contacted [redacted] to cancel his services. A couple of days afterward [on Jan 22, 2015], he fell, broke his hip, and has since resided in some type of medical facility. Since he has a cell phone, it did not occur to me to check his home answering machine until mid- to late-March when his cell phone was broken. At that time I went to his house for information on ordering him a new cell phone, and noted 38 messages on his home office phone. The third message was from Allison, a supervisor at [redacted] who was calling regarding his cancellation request. She stated that since Mr. [redacted] did not specify which service he wanted cancelled, they were not cancelling any until he called to clarify. [Judging by the surrounding messages, her call must have been made right after the time of his accident.] At least eleven (11) of the following messages were also from [redacted], mostly automated, “concerning his account.” Upon being given notice that Mr. [redacted] was incommunicado (broken cell phone), and informed of his medical conditions (the dementia, as well as the broken hip which kept him out of his house and unable to use any of their services since Jan 22nd) which certainly should be taken into consideration, all services should be cancelled as of January, as he had requested. Such being the case, with services being billed a month in advance, since he had paid his December bill, there should have been no problem with the request. I was rudely informed that they needed proof of his medical issues.

Being new to the Power of Attorney role, unwilling to break any HIPAA laws or unnecessarily invading my grandfather’s privacy, and having no medical documentation anyway, I had no idea how to prove what they wanted, but before I could even locate an appropriate resource for assistance, [redacted] took advantage of my grandfather immediately upon gaining knowledge of his medical disabilities and advanced age by fraudulently charging several hundred dollars to a credit card neither he nor I knew he had. Repeatedly. For services he had attempted to cancel and was unable to use. In fact, even their initial charge a year ago appears questionable when I review his payment records; it looks to be an arbitrary or double-billing issue, but suppose that’s for me to address in my complaint against [redacted] with the Dept of Consumer Affairs.

When I informed Barclaycard Card Services Dispute Department of the above history and stressed that neither John [redacted] nor I, as his legal financial representative, had authorized the use of his Visa account for use by [redacted]—or any other merchant, I was instructed to “work it out with [redacted].” As you can clearly see, both Mr. [redacted] and I have been attempting to work with [redacted] for several months and their solution is apparently to engage in criminal activity at the earliest opportunity. As I do not negotiate with criminals, Card Services suggestion is inappropriate and does not begin to resolve my complaint. Certainly the Department of Justice frowns upon lenders who encourage and/or enable criminal behavior, if Barclay’s does not.

Please contact me with any questions you may have or documentation you might need to assist in your investigation, and thank you for your consideration and time.

Sincerely,Desired Settlement: Desired Resolution: All current charges removed (including “late fees” and “interest”); no effect on credit score or record.

Note/Suggestion: It would also be very helpful, and save a great deal of time if your Card Service Representatives were trained to remind callers to submit their concerns or complaints in writing rather than be encouraged to continue calling in, especially during situations like ours, since—according to the tiny print found on the 4th of 8 pages of ‘Important Information’ included on each Visa statement—it is evident that telephone calls are ineffective and a waste of everybody’s time. Sadly, it is considered a rather old-fashioned concept these days and has fallen into disuse, but this novel idea once was habitual in business and personal dealings; it was referred to as “common courtesy,” “good manners,” or “customer service.” Presumably that’s why the department is now entitled “Card Services.” However, it is merely a suggestion.

Business

Response:

P.O. Box 8885

Review: I went through a very bad divorce (they all are) and my ex wife left me with a mountain of debt and collections on account we had in my name. I have since been paying them all off and have paid more than 23,000 over the last 3 years to honor the debts instead of filing bankruptcy. Barclays bank was one of the larger debts I have been working to where I could pay it off. Today I contacted the collection agency FRS and had [redacted] from FRS conference with me to Barclays to request that upon payoff given the circumstances my account was in perfect standing for many years prior to the divorce, if they would remove the negative items on the credit report to help me continue paying off the last items I still have in collection. The last ones are big enough that I need loan assistance and the negative items on my credit report are currently a road block. Upon calling Barclays bank we were transfferred to several departments to whom we again explained that FRS "Barclays 3rd party collector" was on the phone with us and we needed to speak to internal collections. Each time the agents would simply tell us we needed to contact FRS and would transfer us back to the 3rd party. On the 5th call we finally got into the internal collections department and again explained that FRS was on the line with us and we were requesting help with the negative reporting so I could resolve the 5,104.11 debt paid in full to barclays. The lady told us she doesnt know how they are reported or when and could not help. We asked to speak to a supervisor or someone more tenured that would have the ability to help or give more contact to someone that can. We were told she was transferring us and then hung up the call. We called back 3 more times and got the same outcome either a random transfer back to FRS or put on hold and call ended. This is terrible business practice and I would like to reach someone at Barclays that can help me. It is sad that I have to file a Revdex.com complaint to get in touch with Barclays and get the proper attention that their call center agents are unable or unwilling to provide.Desired Settlement: I would like to be contacted by Barclays at a high enough level for someone to help me with the credit reporting on my debt. It was a valid debt and I am terribly sorry I wasnt able to keep it current. Barclays has been an excellent bank to do business with and I had their card for almost 10 years when my divorce hit. So now that I am finally getting to where I can settle this debt in full I would like to request humbly that Barclays help me with the method in which it is reported so that I can regain my credit score. I have a few more items left to finally escape the mess I was left in and they require me to refinance. This refinance is being blocked by my score. I don't feel this is an unfair request and so far all of my creditors have been able to help me in this manner. I fully intend to honor all my debts but I do not make a lot of money this has taken great sacrifice to not file bankruptcy and actually take care of my obligations. Thank you for your time and I look forward to being contacted.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 31, 2015 [redacted] RE: Juniper MasterCard account ending 9582 [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]

Consumer

Response:

Review: Hello,

I opened an account in February of 2013 with Barclaycard Credit Card company. I made a purchase for about $1,100. Barclaycard did not receive my payments for 2 months for unknown reasons, and failed to contact me to tell me that my my payments were not processed. On July 15th, I was contacted by Barclays representative who informed me of the situation, and I offered to make a full remaining balance payment. The representative then stated that he will be able to remove the "late payment" charges. In August I applied for mortgage to purchase a house, and I was told that Barcleys reported me to the credit companies stating that my account has not been paid in two months which dramatically affected my credit score. I have never been late on my credit card payments, and this is the only discrepency on my credit history. After contacting Barclays I was told that they will be unable to remove it even as a one time courtesy. Because Barclay failed to contacted me in any way for the period of two months, and did not tell me my payments were not processed, they blemished my credit score. I filed two claims with TransUnion credit report company, and both have been denied by Barclay.Desired Settlement: I would like Barclay to remove the late payment history from my account.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 8, 2013

Re: Barclaycard Financing Visa Account ending in [redacted]

We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Revdex.com. We understand your concerns regarding the credit reporting of your Barclaycard Financing Visa account and would like to take this opportunity to respond accordingly.

Our records reflect that you made an Apple purchase in April 2013 for $1,061.44. Your April 2013 statement reflected a minimum payment due. Subsequently, we received a $450.00 payment to more than satisfy that amount. Unfortunately, we did not receive the minimum payment due as reflected on your May, June or July statement due dates. As a result, your account became past due and was reported accurately to the consumer reporting agencies. Since we are obligated to report accurate information, we are unable to honor your request to have the delinquent credit history cleared as a courtesy to you because of your disclosed oversight.

I hope this information clarifies matters further for you. Should you have additional concerns, please feel free to contact me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Review: Tried to utilize the price protection guarantee on my Barnes and Noble Credit Card. Was consistently told that I was not adhering to the timelines in the policy manual. Once I e-mailed a copy of the policy manual to customer service, they request more information (even though the information was clearly in the attachment along with the policy manual that was e-mailed to them). E-mailed the information requested and received no response. Emailed a second time and received a voicemail stating that they would not cover the issue.Desired Settlement: They need to cut me a check for the $120 that I am entitled to in the price protection policy and at this point they should reimburse me for my time as well.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 29, 2013

RE: Barnes & Noble MasterCard ending in [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 Price Protection benefit on your account and would like to take the opportunity to respond accordingly.

Thank you for discussing this matter with me on September 30, 2013. Our records show the transaction in question is eligible for the Price Protection benefit. A $120.00 credit has been applied to your account for your qualifying purchase.

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: We were given three options to get our payments caught up with barclaycard and choose to close out the card and agreed to pay $32.00 a month for four months to bring the account current and go back to regular scheduled payments. barclaycard broke this agreement by taking an additional $461.42 out on 10/03/13 while at the same time taking the agreed amount out on 09/19/13 for $32.00Desired Settlement: I would like barclaycard to forgive the debt now that they can't be trusted to honor a contract that was signed.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 18, 2013

RE: Barclaycard Financing Visa 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 and on October 17, 2013, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation.

It is our goal to provide exceptional service and it is our hope we have met your expectations. If you have additional questions, please contact me directly. I can be reached by calling [redacted] between the hours of 8:00 a.m. and 5:00 p.m., ET, Monday through Friday.