Barclays Bank Delaware

Review: Barclay Card Delaware charges astronomical interest rate of 30+% once one payment was late. I have made efforts by contacting customer service regarding lowering my rate to help pay my balance off, but representatives say they do not lower interest rates. I have even inquired about entering a credit counseling service to pay off the debt/lower the rate and I was told Barclay's does not participate in any of these programs.Desired Settlement: I would like my interest rate reduced to a more manageable APR...19.9%? I do not think that is too much to ask. I would also ask that previous month where I was charged 30% APR interest be credit to my account to reflect the new rate.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 11, 2014

RE: US Airways MasterCard account ending 1964

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: Barclays has resorted to vindictive and discriminating practices, at least in regards to my account. A few months back, I missed a payment on one of my credit cards. I have since made that payment in full and paid ALL the associated late fees and finance charges assessed. In return, Barclays submitted negative information to the consumer reporting agencies about me. For reference, I contacted my other credit card companies – Capital One and Chase – to inquire about their policies. I learned that Barclays was aggressive in submitting information on my account as Capital One and Chase told me it would take more than a missed payment by a couple of days to warrant a report.

I made a mistake in missing that payment. I admit it. I am human. What’s really disgraceful here is that when I contacted Barclays to explain the situation, Barclays argued that it’s committed to accuracy and honesty, and that’s why it submitted the report to the credit agencies on my account. This hypocrisy is astounding! In just this year alone, I’ve read about the many wrongdoings and ethical lapses at Barclays – from manipulating power prices in the US to fixing LIBOR rates to rigging gold markets. I’m human and I made a mistake. I paid for it – literally, in the form of all the fees charged by Barclays – and I’m still paying for it since Barclays' report will stay with me for years. Barclays, on the other hand, is getting away with murder. Questionable behavior runs rampant within the company. However, when a customer makes a genuine mistakes and takes steps to remedy the situation, all hell breaks loose.

Disgraceful!Desired Settlement: I ask that Barclays reassess the actions it took on my account and remove the report it submitted to the credit reporting agencies. I trusted Barclays with my business and I received a slap in the face for it. Other customers who missed a payment on their accounts – similar to my situation – do not face the same penalties as I am. This is unfair to me.

Business

Response:

P.O. Box 8885

Review: While checking my personal credit report, which I acquired from Transunion, I notice an inquiry made by your organization.

Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact the concerned credit bureau and remove the unauthorized hard inquiry immediately, under the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests.

If you believe that you possess sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. If you cannot provide me with my signed authorization, I am requesting that you remove this inquiry. If I do not receive signed authorization or removal of this inquiry within 30 days of your receipt of this letter, I will send a copy of this letter to the Federal Trade Commission and/or seek any other action necessary to have this inquiry removed.

Sincerely, [redacted]Desired Settlement: Removal of inquiry from ALL credit reports.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 29, 2014

Re: Credit Inquiries

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 hours of operation are 8:00 a.m. to 8:00 p.m. ET., Monday through Friday.

Consumer

Response:

Review: I contact barclaycardus.com twice by phone and a third time online to change my account to a no annual fee account. I first called two months before the fee was given. I currently have two actions on my account to not give the fee. I still received the fee. I also have contacted Barclaycard twice online. Once before the fee and once after the fee. I also am still waiting for my no annual fee card. I disposed me old card after I changed my account.Desired Settlement: I hope they take away the fee and issue me my "no annual fee" card promptly. I also spend about 5hrs dealing with this matter.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 24, 2014

Re: Barclaycard Arrival MasterCard account ending 9167

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.

Review: I received a letter some time ago in regards to help paying my debt down. Si I agree to pay $35.00 a month. For how long, I don't remember when it expires. I received a letter indicating my next balance due is $28.21. I was in and out of the hospital a few times and did not know what date. I paid the balance due late. I just received a letter stating I owe $99.47 of which $15.00 is late charge and the APR is 30.24%. I am not allowed to use the card because the balance is over $1500.00. The fees is outrages and I have not yet been under $1500.00 with all the money I have paid. APR 30.24% is outrages and highway robbery. Either closed the account out. fee and APR or lower it in order for me to used the card again. What every happen to consumer Bill of Rights for credit card? Either way the debt will probably last a long time and most likely not be paid off. I have tried but Barclaycard is out to make money for themselves and not looking out for the consumer.Thank youDesired Settlement: charge the card off. No matter what payment I make it will not satisfied Barclay/Juniper's holder.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 8, 2015

[redacted] RE: Juniper MasterCard account ending 0212 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: On April 9th, 2015 I checked my credit report and noticed, to my surprise, a delinquent account. The account was opened with Barclays Bank Delaware. I had no knowledge of the account, and I did not authorize it. When I spoke to the fraud department, they said the person who opened the account had the wrong phone number, wrong mother's maiden name, and used an address I have not lived at since 2012.

I called back April 28th for an update as I had not heard anything about the investigation, and the negative report on my credit report has impacted my credit score significantly. I asked about the status of the investigation and was told the account was closed, but that Barclays would not tell the credit agencies to remove the account from my credit report until the investigation had been completed. I asked how long it would be before the investigation is closed and the fraudulent account removed from my credit report. I was told it would take up to 90 days. This impacts my life and my finances greatly as I have to move and have been looking for a new apartment. This becomes significantly harder and more expensive with a poor credit score.

On May 1st, 2015 I checked my credit report with Equifax to see if there had been any updates. Even though on April 9th, 2015 I had reported the account as fraud, Barclays is still reporting to the credit agencies that the account is delinquent. On my Equifax credit report, it stated that Barclays reported to them on April 30th, 2015 that the fraudulent account continued to have missed payments furthering the damage already done by Barclays to my credit score.

Why is a company still reporting the "missed" payments of a fraudulent and supposedly closed account? Why does their fraud department take 90 days to remove an obviously fraudulent account from a consumer's credit report?Desired Settlement: Reporting to the three credit agencies that the account is not mine and have my credit report reflect that within the next two weeks. My credit score should be restored, so that I am able to find affordable housing.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 14, 2015 [redacted] RE: Barclaycard Visa with Apple Rewards account ending 0612 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: I had my Barclays credit card and used it to travel to Europe in March 2015. Before I travel, I notified Barclay of my travel plan, and I prepaid $2000 to my card before the cycle date.

Even with that, my transaction was still declined in France, when I needed the credit. I have never been late with any credit issuer, and always pay in time. When I needed credit in the foreign country, Barclays declined the request from a good customer. I had no phone to call and I need to make the purchase right away.

Then I decided to close my account. When I closed my account, the service representative told me on the phone that I will be able to get the points for what I already spent. Also she advised me that I would be able to reinstate my account if I wish within 30 days.

But later I found out that I did not get the points on $2500 spend. I called last week before the statement date, the associates told me on the phone that I should not worry and the points will be awarded. The closer happened on April 4th, my transactions that did not get the points happened on April 3rd.

But when the statement came, and there was not points. So I called and [redacted]) from the service department told me I cannot get the points and cannot reinstate my account because I have closed the account for too long. I knew the policy is to reinstate the account within 30 days. I felt it is purely ripped off and for what I spent I did not get the points. And the service representatives give all different answers.

I was not aware the policy. If I were, I would have kept my card till October because I paid the annual fee to that time. If Barclays own service representative gave different messages to the customers, how would Barclays expect the customers to know the correct answer.Desired Settlement: I would like to get the points for my spend, and also an apology letter.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 8, 2015 [redacted] RE: AAdvantage Aviator MasterCard account ending 5055 [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: I applied for and was approved for the Wyndham credit card. During the time that the card was sent to me Barclay's changed the point structure as did Wyndham for redemption. In the end the offer is the same but the point totals are changed. Either way, when I applied less than a month ago I was to get 15,000 points enough for almost 3 free nights at 5,500 points per night. Now, the system was changed and 15,000 is only enough for a single night. Not what I signed up and acquired the credit card for. I respected the note on the Revdex.com site to contact the Office of the President. I spoke to a woman named [redacted] who claims I was approved for a "lesser card" and that she thoroughly investigated the matter. This is false. As I stated the structure of the Wyndham rewards program was changed within days of my application being approved. I deserve a fair and comprable amount of points as was agreed in the application to total nearly 3 free nights. Please review this and your recorded call logs and you will find that this is an accurate reflection of what has happened. Then please resolve this by depositing the points owed and, after wasting all of this time, please do the right thing and make this right by compensating me for my time and aggravation. [redacted] was compensated for her time. Whomever is reading this is surely being compensated as well. Please treat me the way you would want to be treated as well as the way I am sure you would want your customers to be treated. Fairly and with respect. Thank you.

[redacted]Desired Settlement: Provide the fair and comparable points (25,000 additional points) as are justly deserved, to my Wyndham Rewards account. Thank you

Business

Response:

P.O. Box 8885

Review: I have a Barclay credit card. Priceline rewards visa card. For some reason they give a cut off time on the date your payment is due and even if you pay it on the same day, they charge you a late fee. The cut off time is also EST. so, when I lived in the west coast, the cut off time was even earlier during the day. They have charged me $37 on multiple occasions because I paid the same day it was due. This problem dates back to when I first opened the credit card a few years ago. on the next page you ask me to date the first problem, but computer won't let me put the date back before the most recent.

I have called several times to get the late fee removed and complain about this policy. They say it is because that is when they start Processing payments. However, when you make the payment, they can see a time stamp for the exact time of the day you paid. If they have this in black and white, why do they need a cut off time. They should need to know that you paid on time and it says the day that payment was due.

Payments should be due by the end of the day 11:59 or whatever, like all the rest of the credit cards and payments I deal with. Some even have grace periods and give you a day or two after the payment due date and NOT charge a late fee.

If I pay on the same day a payment is due, I should be penalized.Desired Settlement: I would like them to remove this policy of having an exact time that the payment is due by. No one else does this.. is this even legal?

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 20, 2015 [redacted] RE: Priceline Visa account ending 5872 [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 tried to make an earlier payment to my credit card bill and Barclaycard has applied it to a month cycle that I have already paid previously. When I realized that they did not apply my payment for this month, I called. I wanted them to apply the payment to this current month. They would not. I know that credit card companies can change due dates, managers can change minimums, and payments can be applied to correct accounts or billing cycles. They would not apply the money to the current bill or refund my money so that I could. They aren't losing anything. Then the representative transferred me to his manager and he hung up on me and did not call back. I was not able to reach the same call center.Desired Settlement: I would like Barclaycard to apply the earlier payment of $43.00 to my current bill. I paid early and it was applied to July.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 28, 2015 [redacted] RE: NFL Extra Points Program Visa account ending in 9372 [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: Im writing to dispute my accommodation charge of $516.00 that was not redeemable online under travel purchase for my lodging from April 29 to May 2, 2014 at [redacted]. I was excited to see the 40, 000 signup bonus of Barclaycard Arrival World MasterCard and 2 miles for each dollar spent when I was planning a fishing trip to Lake Fork in Texas in early March 2014. I applied for the card in April and was approved. As the lodging cost of the trip would be well over $500 for our 4-night stay, I was in high anticipation to redeem the bonus mileage received to lower our expense for the trip after I reached the minimum spending requirement. Thrilled to receive the card right before our vacation, I began to use the card for various charges including the lodging charge in the total of $516.00 excluding the lodging tax and two charges that were related to fishing. The receipt is attached. I met the minimum spending requirement on May 2. I logged into my card account some time later to see if I could redeem the rewards under travel purchase. To my surprise, it wasnt found in the available for redemption record. I looked into the detail of my lodging transaction only to find that [redacted] had used the merchant code of Sporting goods stores. I called your bank right away and spoke to the redemption specialist who said there was nothing she could do when the merchant did not use the correct code and asked me trying to get the merchant to put the charge under Hotels, Motels & Resort. I therefore spoke to the owner of [redacted] , who was surprised to learn that they were not under the lodging category as they provided lodging for us even though they ran a store selling fishing gears. He indicated that they had been using the same credit card system since their inception and no one else ran into the situation like mine. He also indicated he would try to see if there was anything he could do but have not got a reply from him as of today. I applied for the card with the pure intention of enjoying the benefits of the card offered. When I was looking for accommodation for our trip, I found the motel/cabin/RV lodging options from [redacted] and saw their location map. I want to attach the map but one only file is allowed which is used for the receipt. Please see their park map at [redacted] I therefore decided to make reservation with them and never could have expected that this problem would appear. I simply dont have any control over a merchant who has been using the same code for years and I can hardly expect them to change it for me as it is just a privately owned business located in a small town two hours away from Dallas, Texas. I hope your bank would understand and let me to redeem ALL my current available mileages and the 10% bonus for travel redemption for my stay at [redacted] so that I can continue to use your card and enjoy the benefits it offers. Denial of my redemption is unfair to a cardholder like me who made reservation for accommodation but is not able to redeem the mileage as wished with no fault of my own. You are welcome to call the owner, [redacted] at 903-765-2385 for verification. I just received my statement and payment will be due in less than a month. Hope your bank can resolve my problem in a timely manner. Thank you very much for your time and consideration.Desired Settlement: Allow to redeem ALL my current available mileages and the 10% bonus for travel redemption for my stay at [redacted]

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 29, 2014

RE: Barclaycard Arrival Plus MasterCard account ending 6845

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.

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.

The representative from Barclays Bank had done a very good job in resolving my issue and prevent similar problems to be arising again.

Review: Barclay stop the card and couldn't use at travel. I didn't get travel redeem with my points.Desired Settlement: Dear I don't understand why stop card , just before trip.?When I called, the representative mentioned that I have to get new card with smart chip. But mine already new include smart chip.You representative mentioned use other card and Barclay can make reward credit with redeem my points. So, I spent with "capital"card with travel category.When I get back travel, I sent capital statement and request $83.18 credit after redeem valid points. But Barcly refused. case [redacted]Please solve it.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 2, 2014

RE: Barclaycard Arrival MasterCard account ending 1693

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.

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 is my letter to Barclaycard thru customer service on-line. I'm a stroke survivor an I have a hard time to write letters, grammar, spelling, etc.. so I'm sorry in advance.

"I have been blown away with some of the worst customer service that I’ve ever had in my life and ALL I WANT TO DO I CANCEL MY CARD.

I signed up for the card at a Apple store but put in my birthday date incorrectly (which is fixed apparently). I wasn’t able to use the card because of that so I called the customer service and was treated as a criminal and to use one of the person’s words said I was, “suspicious”. The lady, instead of trying to help me, she tried to confuse to and ask questions that I don’t know off the top of my head and honestly, answers that are one of you’re business. And FYI, I’m a Stoke survivor and my mind/memories/etc.. is not like it use to be (I had to learn how to count to 10 again for example) so trying to confuse and trip me up is a easy thing to do so congratulations, you succeeded.

I had enough and wanted to cancel the card since you’re obviously not going to help me and I was turned off by the whole experience. Well, I can’t cancel the card haha… are you kidding!?

Apparently the only way to cancel is to go to any random bank, get a cash advance, get it declined, have the bank call you to verify by ID. This is totally insane. I asked if I can do it on Skype (my face, ID, Passport, etc..) NOPE… making it difficult for the card holder is your policy I suppose.

After being cut off, hung on, not giving you’re a manager, and giving me a fake name to put in my letter (yes, that really happened today) etc… I decided to go to my bank BofA. To do the insane step to cancel my card… Well…. NOPE…

I asked the Manager at the bank and she was though I was making this up… she has never heard of something like this and she and I think you’re being “suspicious”, trying to take and steal my ID. She recommend I write a complaint letter which I will mention later.. so we did the insane steps (did the cash advance) and we called BUT now you say you can’t tell that we’ve calling from a BofA haha… and now it get’s better… the lady on he phone asks for the Manager’s name, address, phone number and branch #!! The Manager of my bank refused to answer these questions and she’s right… it’s none of your business, she mentioned that she didn’t want to be part of you stealing my ID… and she’s probably right? I did all you asked and now it’s not enough. The lady from your company put us on hold and for 10-15 minutes I had to go as did the manager so I hung up. While I was one hold I called you again on my cell and asked if the person that put me on hold will come back because I was waiting… she wouldn’t help at all.

I did all you asked now it’s your turn… CANCEL MY CARD. You’ve had the worst service ever you’d treated me like a criminal, you didn’t transfer me to a manager when I asked , you used a fake name when I asked a persons name (talking to a girl and says her name is Jose), hung up on, I’ve had to waste my time and BofA’s time. This all stinks… Sounds like you’re stealing my ID with all the intrusive questions and hoops that’s you’ve asked me to do.

Also, it’s funny that the application was done with my SS# and a wrong B-day (by accident) but it still was approved??? Really… Why did it even get thru… should have been denied at the beginning. A real company wouldn’t allow this I’m sure."

Hope you can understand what I've wrote since my stroke I'm not good at this stuff anymore. (again, this is a copy what I wrote to them yesterday). Thanks. [redacted]Desired Settlement: I want my credit card canceled. Remove my name from their system and remove it from my credit history. Easy.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 7, 2014

RE: Barclaycard Financing Visa account ending 1527

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

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

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

Sincerely,

Consumer

Response:

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

They agreed to cancel my credit card. Thank you.

Review: I intended to buy an Apple computer and applied for the "financing up to 18 months with Barclay Card Visa with Apple Reward" advertised online at the Apple Store. I did this while at an Apple retail store today Monday June 22nd, 2015 at around 10:15am

The advertisement is here:

http://store.apple.com/us/browse/finance/instant_credit

Which redirects to this online application page from the Barclays Bank Delaware financial institution:

https://www.barclaycardus.com/apply/Application.action

After filling the application including the "Planned purchase amount" which I set to $3,001 - $3,500. I clicked the Apply button.

After about 5 minutes of waiting, it finally returned with a page saying that their systems were experiencing problems and that they apologized for the inconvenience. There was no indication of whether the application had succeeded or not. It only said to either call 1-800-750-6024 or try again later.

I tried calling first at 10:31, I talked to a customer service representative who told me they couldn't help me with it and that they recommended me to talk to the Apple Store reps.

I then tried to submit the application again. After filling in the information again and clicking Apply, this time the system replies more quickly saying that the application was denied because I had already applied for the card - which I did but the system failed.

I went back to the first web page where the credit advertisement was, and I clicked the link to check application status, which redirects to this page:

https://www.barclaycardus.com/apply/cas/applications/search

After entering my Last Name, last four digits of my SSN and Mother's Maiden Name, I get a list showing two applications, one declined and the other approved.

Now, I know the first one was approved.

Problem 1:

I never got my account number. There was nowhere to be found. Since the application failed, I couldn't see the result with the account number created for me.

Problem 2:

Clicking on it shows that the credit limit was approved for only $2,000. I indicated in the application that I was planning purchase amount of $3,001 - $3,500. This credit limit doesn't help me for the purchase. I understand that credit limit is based on credit worthiness, but I have a great credit history by the way.

This is when the experience gets more frustrating and aggravating:

I called 1-800-750-6024 and talked to another customer service rep. I told her that the credit limit was insufficient for the purchase that I intended to make. She said that I needed to request a credit line increase but there were no guaranties that it was going to be approved. And that it would be another hard inquiry on my credit report.

I told her that it was not acceptable, that I had indicated the amount I was planning to purchase and that if the credit line was declined, I had no use at all for the Barclay card. The only reason I applied was because of the 18 months financing they advertised.

Problem 3:

I asked service rep to close my account. She claimed she closed it. I asked for a confirmation number to be sent by email. She refused saying it cannot be done. She said that a confirmation letter was going to be sent by regular mail and that it should arrive at my home 7-10 business days. I repeated the request of getting a confirmation number and to email it to me please. She refused.

I asked to speak to a supervisor. She put me on hold for a few minutes. She came back saying that it was not possible because there was a system downtime. She said that the only thing she could do was to send the regular mail letter.

I explained that I had trusted Barclay with all my personal information including my SSN and that the very least I expected in return was a confirmation number that the account was closed. And, while speaking of the circumstances, I was entitled to know the account number that was assigned to me since the application was approved. I have the right to get that information since I provided the information the application asked me to provide.

She denied the request arguing that the downtime was going to last the whole day and that the only thing for me to do was to call the next day and to wait for the letter on the regular mail. And she added that I couldn't have the account number that was assigned to me, that there was no reason for me to know it.

After repeating her script over and over I persisted in trying to get to a supervisor, she finally put me on hold just to hang up on me.

I checked again the "check application status" page and when clicking on the application that was approved it now says:

"Sorry, you can no longer access Instant Credit.

In the meantime, to protect you from fraud, your account is not accessible because our records indicate your card has already been received and activated.

If you believe this information to be incorrect, please contact Barclays Bank customer service at [redacted]

"

So, my account was not actually closed as the service rep claimed. And, I don't have my account number because the bank refused to provided it to me even after asking to a customer rep directly.

If there is any illegal activity on this account I hold the bank solely responsible.

In summary,

Problems:

- Barclay Card Visa with Apple Rewards card application is unreliable and caused me to apply twice resulting in two hard inquiries on my credit report.

- I was not provided with my account number by any means.

- Service representative refused to provide me with my account number.

- Service representative refused to provide me with confirmation number of account cancelation.

- Service representative claims she closed the account, but the online system says that the card has already been received and activated.

This is an unacceptable unprofessional way of treating people.Desired Settlement: What I'm expecting as a desired result:

1. Get a written confirmation by email and by phone immediately that the account that was approved was indeed closed.

2. Get the account number that was approved on my name immediately for my records.

3. Have Barclay remove as soon as possible the two hard inquiries from my credit report resulting from this fiasco of credit offering. Not only did it not help with my intended purchase, I provided very personal and sensitive information expecting to get an credit account number just to be refused, and adding insult to injury, this credit inquiry (two actually) will affect my credit score.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 9, 2015

[redacted] RE: Barclaycard Visa with Apple Rewards account ending 7641

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

Consumer

Response:

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

Review: I received a mail offer which stated spending $500 per month from October to December and earn a bonus of 15000 AA miles, this is a pretty common targeted offer Barclay sends out if you do a quick google, when I called Barclay agent regarding this promotion, whether it is $500 spending per calendar month or statement month, the agent told me this offer doesn't exist in my account and I will need to MAIL the offer to them for proof. The offer specifically stated NO registration required so I just threw it away. This is a very common offer so I am surprised the agent had no idea what I am talking about, as if I am faking this offer. And told me pretty much " too bad, no proof, no deal"Desired Settlement: I got the offer in the mail so I would like to participate in the promotion.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 30, 2015[redacted]RE: AAdvantage Aviator Red MasterCard ending 5653[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: During a cruise on Carnival Paradise from November 7-11, I attended a presentation at which the opportunity to obtain a Carnival Master Card was offered. The enticement to apply for this card was that after making the first purchase using this card, a bonus of 5000 points would be posted to my card and as an added inducement, a $50.00 credit would be applied to the bill after the first purchase on the card. I complied with the requirement to use the card promptly. When I received my bill there was no $50.00 credit applied. I called Carnival Credit Card Customer Service and received different explanations of how this credit can be applied and used, all of which served only to defer the application of any $50.00 credit to future uses of this card but limited only when used for travel purposes. This limitation was not explained clearly or implied - during the presentation on board the Carnival Paradise. I feel that I was misled by Carnival and have cancelled this card with prejudice.Desired Settlement: I would like the $50 refunded.

Business

Response:

P.O. Box 8885

Review: I have never had a more disagreeable experience in my life than trying to cancel this Credit Card and not being charged unethical and unreasonable fees. I signed up for this card on my way to Hawaii at one of the most difficult and heartbreaking times of my life.My daughter in-law had just been killed in a horrific accident. My son was in the hospital and I was going there to be with him and to make arrangments for his wifes body.I misunderstood the way the card worked from the beginning and did not know that there would be a YEARLY fee.I never used this card or benefited from it. When I got a bill for the annual fee I tried to call and cancel the card and was told that I could not do it until I paid the Fee. I sent a check in to pay the fee and then called several weeks later to see if the money had been posted to my account. The computer generated call to the billing department verified that my check had been received and posted to the account so I called a representative to get the card cancelled. For the next 45 minutes I got the run around. The representative kept telling me that they could not cancel the account until I paid the fee and that it would be kept open as long as there was a balance on the account. I told him that the check had been sent weeks previous with a note on it to cancel the account and it was ignored. He had me contact my bank account to see if the check had been processed and it had not but I had sent it to them weeks prior and felt that they had received it in adequate time to post to that account and let me cancel it. He kept telling me that they had ten days to process it. It had been longer than that. No effort was made on the part of the associate to help me or to guarantee that I could put a hold on the account or something to keep me from continuing to get late fees and interest charged because of not allowing me to cancel the card. I just received another bill for late fees even though I did pay their yearly fee of which I have no use. Please helpDesired Settlement: I feel like they should refund all the money I paid them because they ignored the notes I sent with their bills to cancel the account. They refused to cancel the account over the phone. I never used the account, and have been trying to cancel it since October. After reading the negative comments about their credit card on the internet I can see that they have a long history of terrible customer service and misrepresentation and I feel that they should not be allowed to do business this way.

Business

Response:

February 18, 2014

RE: US Airways MasterCard account ending in 2588

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

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

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. It is my pleasure to have been of service.

Review: A payment was sent in on April 11,2014 and was never credited to my account , I have spoke to several people who have stated they would have this completed and still no resolution - They cashed the Cashiers check but never credited my account .

Account number is-----6593 payment was for 1192.07 and I have also provided the cancelled check to them .Desired Settlement: I want my card paid off and my payment credited

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 14, 2014

RE: Extra Points Program MasterCard account ending 6593

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: Hi, My US airway Barclay card has an annual fee of $89. I don't like the card and want to cancel out the card. But Barclay declined to refund the fee back.

Barclay should at least prorate the annual fee based on the months that passed and refund partial fee back.

thanksDesired Settlement: refund the annual fee.

Business

Response:

P.O. Box 8885

Review: I received an offer in the mail in November 2013 from [redacted] doing business through Barclays Bank for the Premier World Mastercard offering zero percent APR on purchases and balance transfers for the first 12 months. I went online and applied for the card. Once approved, I received the card and the terms and conditions in the mail. The terms and conditions mirrored the offer letter I received stating zero percent APR for the first 12 billing cycles and then 15.99% to 20.99% APR thereafter. However, as soon as I used the card and received my bill I was being charged interest. I called and spoke with a customer service representative at Barclays Bank in January 2014 and was told that I only qualified for zero percent on balance transfers. I explained that I had the terms and conditions as well as the offer letter stating it was zero percent for both balance transfers and new purchases. Barclays Bank requested I fax them a copy of the terms and conditions I received and I did right away. Each month since January I have been charged interest on new purchases and each month I call and speak with a customer service representative. In March I was told that the interest charges were going to be refunded and that they would honor the zero percent on new purchases as my terms and conditions state. The charges for March were reversed. However, when I received my bill for April, the interest charges for March were back on my account and I was again being charged interest. I called and spoke with a customer service manager who was very rude and demanded I send a copy of the terms and conditions again. The company now refuses to honor the terms and conditions I received with my credit card.Desired Settlement: I would like the interest charges I incurred for the months of December 2013 - May 2014 refunded and the company to honor the terms and conditions.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 25, 2014

Re: US Airways MasterCard account ending 7915

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.