Barclays Bank Delaware

Review: I have been a long time customer of L.L. Bean and quite some time ago their credit card accounts were switched over to be managed by Barclays. Since then, I have had nothing but issues and I say that as someone who has worked in credit cards myself for over 20 years.

I'd like to point out that I check my credit report monthly, I have no delinquencies of any kind, a credit score that falls into the good/excellent range and was just pre-approved for a new mortage with no issues (even in today's tightening mortgage climate). My credit line on this account was once $26,000. During the recession of 2008 when the markets were in flux they lowered it to $19,000. That was not a huge problem as I had no plans to use the account, although the fact that I did have a balance of course does impact my credit score when looking at credit utilization rates.

My bigger issue came recently after receiving several notices from the company that I needed to call and activate my new card. I had gotten several voice messages and hadn't taken action since I had no intention of using the card, however one of the latter ones requested confirmation that the card was received so I did go ahead and decide to activate. Upon calling in to do that, I was advised that the account had been closed. However, the representative was unable to explain to me why. She indicated she could see my recent payment, confirmed the account was in good standing, and saw no reason for the closure so after putting me on hold for several minutes simply said I would be getting a letter regarding the closure in the next 7-10 days.

The concerns I have are these:

1 - Why would you contact me repeatedly to reactivate if you were in the process of closing the account anyway?

2 - Why close a perfectly good-performing account who pays every month and carries a balance (these should generally be the most profitable types of accounts)?

3 - How is this account reflecting to other companies who may look at my credit report?Desired Settlement: I would like confirmation that my credit bureau report is not reflecting any negative information regarding this closure. Will it reflect "Closed-Consumer Request"?

Business

Response:

P.O. Box 8885

Review: this company pulled my credit report 2 times on

BRCLYSBANKDE 09/13/2013

BRCLYSBANKDE 09/12/2013

I gave no one the right to pull my credit report nor did I ever apply for credit from this company I have writen letter's to this company asking that they remove these hard inquires from my report,because I never autorized no one to try and pull credit from them,I received a letter back saying that they cant remove it,how can u not remove these 2 inquires on my report from a service I never requisted from?????please explaineDesired Settlement: I demend that these inquires be removed from my credit report asap....you guys tell me what I need and I will sen you the info but I demend that these inquires be removed asap..

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 27, 2013

RE: Credit Card Applications

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 December 27, 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 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.

they say they are removing it so am closing this thanks

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: BARCLAYS BANK DELAWARE reported questionable information to major credit bureaus and has failed to correct it. They reported account [redacted] with a balance of $462 to major credit bureaus as a charged-off balance. I have no recollection of this matter, and I’ve disputed the debt with the bureaus and asked them in writing to validate it. BARCLAYS BANK DELAWARE has never done so, and yet they are required to investigate my dispute under FCRA 623(a)(8)(E)(iii). Instead, they have simply verified the report with the credit bureaus and left me to prove that their report is in error. This isn't how the law says things are supposed to work, and I believe they know it.

Leaving this erroneous information on my credit report while they’re supposed to be performing this investigation is improper, and I can prove this with examples from case law and with copies of my credit reports. I’m quite frankly confused why this account is being reported as a charge off at all. From my research, the Fair Credit Reporting Act does not demand that all accounts be reported, but only that any account that is reported be reported accurately. Also, the Fair Credit Billing Act requires companies to correct any mistakes.

I believe that any company such as BARCLAYS BANK DELAWARE has the ability if not just simply the obligation to remove questionable “charged off” designations from credit reports. I am attempting to resolve the matter through this Revdex.com complaint as a last ditch effort before I have to go through the expense and trouble of hiring an attorney, but I believe I can show a judge they have utterly failed to follow the obligations which the Fair Credit Reporting Act imposes upon them and that I should receive the remedies the law provides.Desired Settlement: I'd like Barclay's Bank Delaware to remove its questionable information from the reports it has provided to major credit bureaus.

Business

Response:

P.O. Box 8885

Review: I've started having problems with my BarclaysCard Arrival MasterCard ever since I called to switch my Bill Due Date. I have spent an estimated 20 hours on the phone with Barclays trying to resolve the issues that followed. I've talked to ~ 2 dozen reps/supervisions. After the first dozen I started to write down their names and IDs.

1) I called Barclays and asked "can you please move my statement date to the 25th. I would like to consolidate my due dates for all my cards. But please make sure it becomes active NEXT month because this month I am applying for a $50,000 loan from CHASE, and I need a paid off Balance (like it shows now)".

2) The representative said "your due date has been changed and will take into affect next month".

3) I log in the next day and my account says "overdue". I am charged 2 fees. One is a "$20 late fee". The other is a "$26.93 Customer Advises Nt Fee", both on May 2nd. I have automatic payments set up on all of my credit cards for full balance, so I wonder how this could have happened. The Customer Advises Fee was supposedly a "payment" that I made which got reversed. I NEVER authorized a payment. All my payments are automatic.

4) I call Barclays and describe the situation. They said they don't know what going on. I am transfered to a supervisor. The supervisor says they will call me back after doing some investigation. They never call back

5) I call Barclays to figure out what's happening. Again I have to go through the whole supervisor chain. They keep saying they are investigating, etc, etc. They have no idea what happened.

6) On 5/5 I call Barclays and ask them to send a "0 Balance" letter to the 3 Bureaus because I need to make my business loan application. I finally get to a manager [redacted] (9:30am, [redacted]) who tells me that a 0 balance letter has already been sent.

7) I check my report and it is NOT 0 balance!

8) I call back a series of supervisors including:

a) Alma (18197) - Told me that the $20 will be refunded Next statement (3rd). She told me for the $26.93 charge, on 5/16 the investigation will be complete. The "Overdue" on the account will be removed by 5/6. When I asked about the Bureau letter she said they were not authorized to do it. I tried to go up her manager chain but eventually got told that they would "call be back"

b) [redacted] - Said she will call be back. Never called back

c) Shaire Fernandez - Never called back

d) [redacted] (Customer Sec/Fraud) - [redacted] Follow up on why they didn’t call back. He said sorry, called back, but wasn't able to approve the letter. Got forwarded to manager

e) [redacted]is manager, Never called back

9) I called back on 5/16 when the investigation was supposed to be over. I talked to [redacted] who took me through the same shpiel. Again she has no idea what's going on. She can't even find the investigation that was supposedly going on. She says someone will call me back.Desired Settlement: Barclays has done irreparable damage to myself and my business. I worked extremely hard to have a perfect 100% payment history, always paying my full balance. Because of their technical error I spend over 20 hours trying to resolve, I was denied the full amount of the loan that I wanted. Furthermore, I STILL haven't been refunded the $26.93 charge which was a technical error.

1) I would like Barclays to refund my $26.93 already. They can't find where my "payment" was made. I can't find where my "payment" was made. The $26.93 charge is a GLITCH in the system.

2) Some monetary compensation would be nice. I have more than enough grounds to take Barclays to court. They GROSSLY misinformed a consumer (me) about the functioning of their product and GROSSLY misrepresented themselves through multiple representatives. Because of this misinformation I made the wrong financial decisions for myself and my business. I was approved for $3000/$50,000 I asked for on my [redacted] loan. Granted, not all of that was due to the Barclay error, but a very large part of it was. Furthermore, they did not call me back, when they said they would, on at least 10 occasions. Horrendous customer service. Finally, after half a month of phone calls, they still fail to correct their own system glitch/bank error. I'm not going to take Barclays to court, because I don't have time right now. But I do expect it to give me some sort of settlement if they expect to keep me as a customer. Otherwise, after I pay back my balance next month, they have lost an extremely valuable customer (spending ~$5,000 personal, and $25k business expenses per month at the age of 21, with a perfect credit history, and an incredible credit score).

3) I would like a direct line of communication with a Barclays supervisor. I don't want to sit through telephone prompts anymore. I don't want to get empty promises (some supervisors said, I quote "I give you my WORD that I will call back", and never do). I like the benefits of the Barclays card. The 2% rewards are the best on the market. But I CANNOT deal with spending 20 hours on the phone to try to correct a bank error that they made.

4) I would like a formal apology from Barclays for this customer service experience. It won't fix the situation, but it will make feel just a little better about it.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 2, 2014

Re: Barclaycard Arrival Plus MasterCard account ending 1247

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: Deceptive Advertising: I have a letter from Barclay that states: "Here's a great opportunity to use the enclosed checks to make purchases or to transfer higher interest rate balances to your Barclaycard MasterCard account. For a Limited Time, Use Your Special Low 0% promotional APR to: . Transfer balances from other credit cards" I transferred balances and I want to know why interest is still being charged on balance transfer made on 6/12/14??Please help!!! ; I feel I am the Victim of deceptive advertising.Desired Settlement: I would like to continue paying Barclay the credit card amounts that were transferred without interest until September 1, 2015.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 26, 2014

RE: Barclaycard Rewards MasterCard account ending 1053

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: s comp.anIneed this W provided an unauthorized credit card in my name. I never applied for a Barclay credit card, and I definitely did NOT activate the card. The only way I knew that the company activated the card is by receiving an email stating that I will be receiving paper statements instead of online. I called to speak with the company and was advised that they could not help me with this issue unless I gave them a LOT of personal information which I would not provide. I feel that this company has opened and processed personal information without my knowledge or authorization. I need this card to be canceled IMMEDIATELY!Desired Settlement: As stated previously, I need this unauthorized account to be closed immediately and I need to make sure that no charges have been made. I also need to receive an email from the main company afterwards with an apology. This is absolutely ridiculous.

Business

Response:

P.O. Box 8885

Review: I received a letter dated 12/26/14 stating my card was coming up for renewal so I called on 12/29 to cancel my card before I would be billed a renewal fee. I was told that I have to give a 60-day notice of cancellation in order to avoid the renewal fee. I don't understand THEY can give me a 30-day notice of my renewal coming up, but I have to give them a 60-day notice of cancellation. When I started to file the complaint, I saw the statement that they would like me to contact them first. I called the office of the president at [redacted] but having being on hold, a message came on asking me to leave my name & number and someone would get back to me. Well its been about 24 hours and still no return phone call.Desired Settlement: All I want is my account to be closed and NOT be charged a renewal fee for a card I only used once and I've satisfied that bill.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 12, 2015 [redacted] RE: Sears Select account ending in 7202 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8 a.m. to 5 p.m. PT Monday through Friday. Sincerely,[redacted]

Review: After years of battling with Barclay Card over attempting to make payments on an account, the account has gone into collections.

I struggled to gain access to pay the aforementioned balance online, and I'm positive there are recorded calls of the representatives stating that I was locked out of online access due to delinquency. There was only delinquency because I couldn't log in to make a payments. Which is a fault of Barclay, a fault that I attempted to fix many times -- after many calls before my account went into collections. Recently, I attempted to speak with Barclay Card representatives requisitioning that - if - my account was paid in full then it would be removed from all credit reports. In the business this is called "Pay for Delete." After speaking to the first associate, he didn't know what "requisition" meant, and referred me to someone else, a superior. She explained that she didn't know what "pay for delete" was, and the account is in collections and that she can not remove the item from a credit report. This is incorrect. The original creditor is the one who reports you to the credit bureaus. The representative that I spoke with refused to discuss anything with me and would barely acknowledge me. Now, being a person who has - intentions - of paying in full a balance of over $1600, with cooperation of the original creditor and the existing collections agency, by way of removing the collections account from all credit reports. I have been given a run around because of a company unwilling to service a consumer, I am left frustrated and exhausted. I am very unhappy.Desired Settlement: My desired outcome is that I have a statement from Barclay in writing that the collections account in my name be removed from and expedited within 10 days from all credit bureaus, after receiving payment, if paid in full.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 11, 2015 [redacted] RE: Barclaycard Financing Visa account ending 8059 [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 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: On February 27, 2015, I was approved for a credit card by this company. On March 2, 2015, I received and email stating the card was in the mail and should have it within 7-10 business days. I never received the card. On March 17, 2015, I called them to let them know I never received it. The person on the phone said they would send out another card and would receive it within another 7-10 business days. It has been 10 days later and still haven't received it. I called today (March 27, 2015) and I confirmed my address with them. I had received other mail material from this company to my address. They then stated the address that was on file was different even I had confirmed when I first called in and it matched. There is no way that there was a different address attached to that card. Especially if I had received other mail from them. I cancelled the card and requested it to be taken off of my credit report since I never received the card(s). They stated they couldn't do that or tell me what the "other" address was. I then went and read on consumer affairs about reviews of this company and realized I am not the only person with this issue.Desired Settlement: I feel this should be taken off of my credit report and an investigation into this company about the legitimacy of their products. I believe this to be a scam of a company.

Business

Response:

P.O. Box 8885

Review: I had my cc# stolen by someone provided a police report and ID theft report and this company refuses to correct the issue saying they are mine. Why would I file a police report and all of the charges were mine? So now it's showing my balance is $3000 and my limit is $2000 so I'm over my limit and it's lowering my score and costing me additional moneyDesired Settlement: I would like the balance corrected. ASAP!

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 April 30, 2015 [redacted] RE: Frontier MasterCard account ending in 5876 [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: Credit Balance Refund Check not Received by Barclay CardI cancelled my Hawaiian Airlines MasterCard on May 3, 2015. There was a credit balance of $675.55 remaining on the account. I spoke with customer service agent [redacted], operator id# LASFNA. [redacted] stated that a refund check would be sent to me within 7 to 10 business days. On June 22, 2015, I contacted Barclay Card to inform them that I have not received a refund check for this account. I spoke with customer service agent [redacted]. He stated that no refund check had been sent due to a "system error." [redacted] stated that a refund check would be mailed this date, and I should receive it within 10 business days. After contacting my attorney, he stated that Barclay Card is required by law to mail a credit balance refund check within 7 business days upon receipt of written request to cancel an account. Given the track record of Barclay Card and the false reassurances I received from their customer service agents, I would like to request at this time that the Delaware division of the Revdex.com assist me to retrieve my refund check.Desired Settlement: I would desire Barclay Card to act in a responsible and professional manner, and send my refund check to me as soon as possible.Thank you Delaware Revdex.com for taking the time to read my complaint.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 21, 2015 [redacted] RE: Hawaiian Airlines Bank of Hawaii MasterCard account ending 8393 Dear Mr. [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: I used my credit card to paid PayPal to buy Spirit from [redacted] and also I was paid extra 190 AUD for shipping insurance for cover any damage to my shipping. from [redacted]

After I received shipping 4 of 6 bottle was damage I was dispute to my credit refund or credit back to credit back ( I was sent letter indicated to my credit card and also seller I can not allow to sent spirit across state I will lost because I don't have license to ship back to [redacted] (after I checked with UPS and FedEx and US Custome will confiscate ) cover my cost but instead my credit was closing my case and also run report to the various credit agencies (Barclay card had insurance cover for 90 for anything if damage) . I was repeat to ask [redacted] to pick up or sent label for me to return but I never get response

During dispute my credit card can not get charge or financial on my credit but Barclay Card was charge (It is again a law and report account information to consumer reporting agencies because of my dispute ).Desired Settlement: Refund total amount $2,724.36 (because I was paid to seller 190 AUD for insurance for my shipping if damage ) and correct credit on report on agencies

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885October 21, 2015[redacted]RE: Barclaycard Rewards MasterCard account ending in 8292[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 summary, or have additional questions, please contact our office at [redacted] My office hours are Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. Sincerely, [redacted]

Review: Someone fraudulently applied for a Barclays Bank Delaware credit account on October 7, 2013 using my name and social security number. My credit monitoring service alerted me and I immediately called Barclays Bank Delaware to advise them that I did not apply for credit and to please decline the application. Barclays Bank Delaware declined the fraudulent application and advised me that they would immediately advise Transunion and Experian credit bureaus to remove the inquiries from my credit report. They also advised me that they would send me a letter that I can keep for my records as proof that they have cleared the inquiry and no account was opened. I filed a dispute with both credit companies and Experian was able to immediately

remove the inquiry. Transunion requires that Barclays Bank Delaware advise them directly to remove the inquiry. Since October 7, 2013, I have called Barclays Bank Delaware repeatedly begging them to please advise Transunion to remove the fraudulent inquiry and the inquiry is still on my report. They claimed on various a occasions that they only see that I called "once" which is a blatant lie. I have provided them my fax number and mailing address on various occasions so that they can send me a letter that the inquiry was fraudulent so that I can send the letter directly to Transunion and they say the will mail it, and still nothing. I am tired of calling them with no results. This inquiry is negatively ipacting my credit especially since I am buying my first home and applying for a mortgage.Desired Settlement: I would like Barclays Bank Delaware to send me a letter stating that the inquiry made on my credit report was fraudulent and that no account was opened in my name. I also would like Barclays to contact Transunion and remove the inquiry from my credit report

Business

Response:

P.O. Box 8885

Review: A invitation was mailed to my home to apply for the Visa Black Card. I look over the description and applied. Upon receiving my statement I noticed a $495.00 annual fee. I contact customer service and told the first person I spoke to that I was not aware that this card carried such a fee, she told me she could do nothing for me. I ask to speak to someone else. After being placed on hold for a long time, I finally spoke with a person by the name of [redacted], she said all she could do for me was credit my account $100.00. I am very disappointed in the deceptive marketing practices of this organization which led me to believe I was a applying for a card with no annual fee, as I told my wife. If I had known this card came with a $495.00 annual fee, I would never have applied. It makes no sense, and this company should never have approved me for a lousy $5000.00 when this card carries a $495 annual fee. This is just deceptive advertising/marketing strategy to take advantage of unsuspecting consumer such as myself.Desired Settlement: I want my account credited for the full $495 charged to my account and close the account immediately once the fee has been credited.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 31, 2014

RE: Visa Black Card account ending in 5175

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 the response to be received through 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: PURCHASED A PRODUCT BY PHONE FROM AN OUT OF STATE MERCHANT. ALTHOUGH THE MERCHANT DID NOT HAVE A WRITTEN RETURN POLICY, HE PROMISED MY MONEY BACK (DURING OUR PHONE CONVERSATION) IF NOT COMPLETELY SATISFIED. I FOLLOWED THIS UP WITH A CONFIRMING EMAIL WHICH HE DID NOT DISPUTE. WHEN THE PRODUCT ARRIVED DEFECTIVE, I PHONED BARCLAYS BANK WHO ADVISED ME TO TAKE THE PRODUCT & GET AN EXPERT OPINION CONFIRMING MY COMPLAINT - I GOT TWO OPINIONS IN SUPPORT OF MY CLAIM. BARCLAYS THEN INSTRUCTED ME TO SEND THE ITEM BACK TO THE MERCHANT. NOW BARCLAYS SAYS THE MERCHANT CAN WIN THIS DISPUTE VERY EASILY BY SIMPLY SHOWING HIS MEASUREMENTS WERE CORRECT, DESPITE THE EXPERT OPINIONS THAT THE ITEM IS DEFECTIVE & NOT USABLE. THE BANK ALSO NOW SAYS HE DOESN'T NEED A REFUND POLICY TO PREVAIL. THEY SAY THERE IS NOTHING I CAN DO NOW AND IF HE WINS, HE CAN KEEP THE PRODUCT IF HE CHOOSES AND I BARCLAYS WILL RECHARGE ME FOR THE ITEM. THEY REFUSE TO ALLOW CUSTOMERS TO SPEAK WITH A REAL MANAGER AND ARGUE THAT THE SUPERVISORS THERE DO NOT HAVE A MANAGER AND THERE IS NO MECHANISM TO VOICE A COMPLAINT. THEY ALSO REFUSE TO PUT ANYTHING THEY SAY IN WRITING, EXCEPT FOR A USELESS FORM LETTER, AND THEY SAY THERE ARE NO FIRM POLICIES TO GOVERN THEIR PRACTICES. EACH REP CAN MAKE THEIR OWN DECISION, THEY ARGUE. SO A DISPUTE SEEMS TO BE WEIGHTED IN THE MERCHANTS FAVOR BEFORE ANY DETAILS ARE REVIEWED. IT'S A FARCE.Desired Settlement: THEY'VE GIVEN ME A "PROVISIONAL" CREDIT, PENDING ANY REPLY FROM THE MERCHA NT. IF HE WINS, WHICH THEY SAY IS LIKELY, I WOULD WANT AN EXCHANGE UNTIL HE CAN PROVIDE AN ACCEPTABLE PRODUCT, "SATISFACTION GUARANTEED", AS HE PROMISED.

Business

Response:

April 30, 2014

Review: We opened a Frontier Airlines Card through Barclaycard with the understanding we would receive 40,000 frequent flyer miles if we made $500 in purchases within the first 90 days the account was opened. We have purchased $500 on the card, however, Frontier Airlines will not let us access the 2 free domestic airline tickets for 60-90 days.

Frontier Airlines says this is a Barclaycard policy and Barlaycard says this is a Frontier Airlines policy.

Barclaycard makes no mention of this requirement in the literature provided with the card. The Frontier literature provided with the card only states you must make $500 in purchases within the first 90 days you open the account.Desired Settlement: We want the ability to access the 40,000 frequent flyer miles now since we have met the minimum amount of purchases before the 90 day window.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 24, 2015

RE: Frontier MasterCard account ending 7736

Dear Mr. Kepple:

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.

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 closed my account on May 14 and paid off in full. However the account was not actually closed as a recurring charge of $25 was posted on May 27, 2015. Barclay never sent any statements in the mail instead continue to accumulate late fees.

This was reported to the credit agencies and ruined my credit scores, which I only found months later.

I contacted Barclay on October 26, 2015 and they promised if I pay the $25 they will cancel all late fees and clean up my credit report. However it was never done. I have contacted Barclay customer services twice and they never actually did anything. I also tried to call the Office of the President at [redacted] but was put on hold for a long time.Desired Settlement: Request the remaining balance to be credited and credit report cleared.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885December 11, 2015[redacted]RE: Barclaycard Arrival MasterCard account ending 9344

[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 summary, or have additional questions, please contact our office at [redacted]. My office hours are Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. 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 Receive at least one credit card application a week from them and I call to remove my name from their list and they wont do it unless I give them my social security number. I feel they do NOT need this to take my name off the list.Desired Settlement: Remove my name from their contact list!

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

October 16, 2013

RE: Marketing Solicitations

Dear [redacted]

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware from the Revdex.com of Delaware. 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. Using the information provided on your correspondence submitted to the Revdex.com of Delaware, we have updated our records to ensure you are excluded from receiving future offers from Barclays Bank Delaware. Please allow sixty days for all mail solicitations to cease, some offers may already be in process.

If you do not want to receive prescreened offers of credit and insurance from any company, you can call toll free 888-5-OPT-OUT (888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies. In addition, the Direct Marketing Association (DMA) 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 the following web address: https://www.dmachoice.org/.

It is our goal to provide exceptional service and regret if this was not your experience. Should you have additional concerns, please contact me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Review: I'm guessing but I've probably had this account for 10 years. I HAVE NEVER BEEN LATE-- NOT ONCE. I AM NOT USING THE CARD AND HAVEN'T FOR YEARS because they gave me a good balance transfer offer but I also paid them an upfront fee... I HAVE NEVER BEEN LATE PAYING THE BT... in fact I am on automatic payments WITH THEM.. for quite some time... even though previously I've paid off the balance periodically.. I haven't lately BECAUSE I PAID THEM A FEE TO TAKE ADVANTAGE OF THE BT OFFER... (anybody with any sense at all would know when you have a good rate you don't pay it off immediately-- THAT WOULD BE IGNORANT.. plus I PAID A FEE TO TAKE ADVANTAGE OF THIS. NOT SURPRISINGLY I GET A LETTER FROM THIS OUTRAGEOUS COMPANY (check out my normal apr -- WHEN I'VE NEVER-EVER BEEN LATE) THEY SEND ME A LETTER STATING THEY ARE LOWERING MY CREDIT LINE BECAUSE MY PROPORTION OF BALANCE TO LIMIT IS TOO HIGH.. (& PROPORTION OF LOAN BALANCE TO LOAN AMOUNTS TOO HIGH.. I just bought a home... why in the HELL would I get a loan for more than the cost of the home so my balance would be lower??).. but the fact they would lower my credit limit to compound the very reason they say they lowered my credit limit????? Let me be clearer they made my account have less of a difference between limit and balance and then use that as why they did that-- THAT SHOULD BE ILLEGAL. They are trying to force me to pay down my balance and lose the advantage of the balance transfer (THAT I PAID FOR). Otherwise why wouldn't they just suspend my spending WHICH I HAVE NONE--AND HAVEN'T IN YEARS.. TO MAKE IT EVEN MORE LUDICROUS they mention paying my bill on time to avoid a higher APR... I'VE NEVER BEEN LATE-- EVER--- I AM SIGNED UP FOR AUTO PAY... THEY ALREADY HAVE MY STANDARD RATE (NOT BT RATE) AT A RATE SO HIGH IT SHOULD BE ILLEGAL (OVER 20%) & THEY ARE GIVING ME TIPS?? HAHAHAHAHAHAHA. I emailed their "customer service" with basically this same complaint their response was something about if you don't pay bill in full interest occurs daily... THAT WAS NOT THE QUESTION AT ALL.. PLUS I HAVE ZERO%.. what a waste of time.Desired Settlement: I want my credit line restored... If you are afraid I will use the card or take advantage of the new bt off (OVER 20%)-- DON'T WORRY I WON'T or you can suspend my charging.. I DON'T CARE I AM NOT CHARGING... It is horrific that you would impact my credit when I have been nothing but a GREAT CUSTOMER.. or I would like a credit for the fees you billed me for doing a balance transfer and I will make a significant payment to pay down the balance

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 24, 2014

RE: Juniper MasterCard account ending in 3605

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 the response to be received through 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.

Review: I am a Sr. Software Engineer and recently I received a Credit Card offer from BarclayCard US. I guess they pre-screened my score and they sent me a credit card offer.

I checked their offer, the card didn't have any annual payment so I accepted their offer and applied to it.

On the other hand, they pulled my credit score and didn't approve my application. It can be understandable at first sight, but here are my points :

1. They sent me a letter and said sorry for that. Reason is "too many new accounts opened". My account count is the same before and after your offer, it didn't change. You already knew my account number.

2. There is no phone number that I can call or no e-mail address. Only a mail box address to complain, so I decided to write here.

3. I didn't need any extra credit card, you offered me and I accepted. But you didn't approve my application and caused to decrease my credit score for nothing!!!

4. I've been in USA for only 3.5 years and my credit history is short and all my accounts were opened last 2 years. It is very natural and I have nothing to do for this.

5. I have 13 credit cards from BofA, Chase, American Express, Discover,Amazon and their limits are totally $49,350. I'm really a credible person and I did my best in such a short time. You can not refuse my application with such a simple reason. It's not fair!

6. Last year I used a $7000 balance transfer for a small investment, so my score is a bit low than last year. But I payed off all balances before their due date as always before. I have not any financial problem!

7. I have no balances on my credit cards, I cleared all of them at once and I have extra $7000 cash in my saving account after payed off everything. Do you think that I am financially weak???

8. In spite of my financial strength that I explained here, if you still don't want to work with me, I also don't want to work with you. Please do not send me any offer from now on because I will not accept it.

Thanks.Desired Settlement: If you will not approve that card, send a dispute to Credit Card Bureaus and clear that unnecessary query and please don't send me any offer from now on. I don't want to be affected for nothing!

If you approve it, please re-think about your evaluation processes, contact information and accessibility. I couldn't reach anybody over the phone and I couldn't find any email address to complain on your web site.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 6, 2014

Re: Barclaycard Rewards MasterCard Application

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 March 3, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in the mail.

If you do not received 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. It is my pleasure to have been of service.