Barclays Bank Delaware

Review: I am writing this in an effort to resolve a serious issue that has occurred with a American Airlines Barclays Credit Card.

I filled out an application on an American Airlines flight during the December 2014 Christmas holiday however I never received the card and it was never activated.

Even though I never activated or used this American Airlines card I was billed a fee for the and was charged late fees on that initial fee without my knowledge.

This was then reported to the credit agencies and it has created a severe problem for my credit which has always been flawless.

I am frustrated that a credit card which I have never received, never activated, and never used can automatically generate a fee and rack up late charges resulting in my credit being ruined.Desired Settlement: I am baffled how I could be charged a fee and late charges on a credit card that I never used, never received, and never activated. This is very poor business practice to say the least.

Business

Response:

P.O. Box 8885

Review: Barclaycard US sold my personal information including address and authorized users to third party companies after I explicitly requested they remove the authorized user. Furthermore, they have erroneously connected an individual with an address they never had any residence at, causing my family to receive constant solicitations, debt collections, and other mail from a past personal relationship at our current address.

This information sold to third parties is erroneous and outside the boundaries of typical fine print agreements to share data within a family of companies and only occurred after I requested Barclaycard US remove the user from my account. I guess I somehow reminded them this user existed in my records and only then did they decide to sell this out of date info.Desired Settlement: Total destruction of Barclaycard's US business.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 July 24, 2015 [redacted] RE: Barclaycard Visa Apple Rewards MasterCard account ending 0671 [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: CONTACT BARCLAYS BANK DELAWARE TODAY ON 7/10/15 ABOUT CREDIT REPORT ISSUE. SOMEONE APPILED FOR A CREDIT CARD AND NOW ITS ON MY CREDIT. I WANT IT REMOVED. DEC 11 2014 SOMEONE APPLIED. I CALLED BEFORE AND THEY STATED THEY WILL HAVE IT REMOVED. STILL NOT REMOVEDDesired Settlement: REMOVE FROM CREDIT

Business

Response:

P. O. Box 8885Wilmington, DE 19899-8885 July 29, 2015 [redacted] RE: Application for Barclaycard Rewards MasterCard [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: On Apr 28, 2015 Barclays Juniper reported suspicious activity on my mother's account. I reported it immediately to the bank as fraudulent per their request. Barclays has not removed the amount despite our sending two letters (one certified), reporting it over the phone, and reporting it on their website. They continue to request payment for the disputed items.Desired Settlement: Removal of the disputed amount.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 4, 2015 [redacted] RE: Juniper MasterCard account ending 0943 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Review: Barclay card opened the card under my name and linked it to my old closed account, so as a result besides my money stolen from checking account used to make payment on a card I had a balance of almost $3000 . The most important that Barclay Bank open the account without contacting me even there was faud alert on my account . Now they falsely statinf that it was no a fraud alert and refuse to investigate this account.Desired Settlement: I need Barclay to delete this fradulent open account. Also I need $500 refunded back to my account.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 25, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending in 2939 [redacted] Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond. Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received. We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Review: I have been a loyal customer of Juniper , AKA Barkley Bank and I recently contacted customer service because I am currently having a hardship; however, I have been honest in my dealings and trying to protect my credit worthiness I make my payments on-time. I am not delinquent. I recently had to attend a 2 day training and was unable to get to the computer or have access to phones; therefore, I was unable to call Barkley Bank to do my over-the-phone payment until after 7 p.m. but I still called the same day it was due and made the payment. Unfortunately I incurred a late fee that I called to request a courtesy waiver because I am trying to pay the account off. I was transferred to several different customer service agents who stated they could not help me and transferred me to a Manager who I was told would be able to make the decision as to whether or not he could help. This manager was extremely rude and offered no assistance and I asked why would the representatives transfer me if he could not assist. I really felt like I was given the cold shoulder and sent around in circles. This is the worst bank ever. They are not doing anything to assist consumers, they only intent is to make consumers incur unnecessary fees. I tried explaining to them my hardship and they were not interested in listening despite they could see my good creditworthiness history. The one time that I needed them, they said it was nothing that they could do. I know that banks are able to waive fees. Imagine the thousands of extra dollars they are getting from consumers. I strongly feel this bank should be investigated.Desired Settlement: I would like the bank to waive the late fee. They could look at the record and see that I initially paid the payment on the due date but because it was a couple of hours after 7:00 p.m. which is the cut off time; however, I explained that I was in a training for several days and had no access to computer or phones. I try and be honest in my dealings and all I ask for in return is the bank work with me considering the circumstance. It's wrong that these banks earn thousands and thousands of dollars off the consumers. When the consumers need them, then they turn their backs.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 1, 2015 [redacted] RE: Juniper MasterCard account ending in 0157 [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 opened a Barclaycard online prior to July 4, 2015. One of the options was for expedited shipping of the card for an additional $15. After several weeks, I never received the card, but I had already received a billing statement for $15. I called and spoke with someone. She reissued me a new card and told me the $15 would be removed from my bill.

I never received the initial card they sent me and charged me $15 for.

Two weeks later, I received an e-mail that I still owed $15. Again, I called Barclaycard. After being on the phone for another 15-20 minutes, I was again told that the $15 would be waived and I did not need to pay it.

I received my next bill today in my e-mail stating I owe $30.50. I never received the card they charged me expedited shipping for, and I have never used this card. My balance should be zero. I feel that Barclaycard is fraudulently charging me for services that were never provided. Additionally, I am concerned about how this will affect my credit score because they keep telling me it's been taken care of, but they are still billing me.Desired Settlement: I would like my credit card balance to be $0 and the $30.50 removed from my bill.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 11, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending in 3371 [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: I have been a loyal, paying on time, customer for almost 4 years. I have used and paid off this card 3 times since I opened it. I have come into a hardship position and have asked to make payment arrangements either using Barclay or the CCC (private debt management program). Barclay will not budge. They state my account is in a "promotional" state. Which is far from the truth. The "promotional" period was when the card first open to make a specific purchase which has since been LONG paid off. As stated before, the card and been used and paid off and used more quite a few times. The company will not allow me to make any arrangements to work with them to pay a lower monthly payment and will not give my any information as to specifically WHY they will not. I have called and talked to numerous people and ALL are completely clueless to what is going on or why the proposals from my case manager have been denied. This has been going on since JUNE. They are accepting my lower payments but refuse to work with me or give me a reason to specifally why I am not "elidgible." One representative referred to it "possibly" being because of the "promotion" stated above. But that is long gone and has been expired.Desired Settlement: I would like to set up a monthly payment that is within my means. If not, I would like to have my case worker from the CCC work out a payment program that is REASONABLE.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 6, 2015 [redacted] RE: Barclaycard Financing Visa account ending 4432

[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: The CURRENT BALANCE on my UPromise Master Card is inaccurate by a total of $3,026.66. I called into the 800 number 4 times looking for help. the first 3 customer service reps were polite but were unable to show me WHY the current balance was so inflated. they simply read back to me what was already showing on the website (which I strongly suspect is wrong). I then downloaded data from the website and placed into an Excel Spreadsheet to show myself if it was right or wrong. The downloaded information confirmed the $3,000+ difference I had suspected. So I called back a fourth time and received a VERY sarcastic and rude response from "[redacted] - User ID FSCNKAT". At this point I was done asked for manager. 30 minuted later, no managers available. I then was given a Case #1643395 and told someone would call me back on @Wednesday after 8 pm.

This was among the most frustrating interactions I have ever had with any company. Barclays is too big to talk to when there is a problem, but they accept my payments twice a month on my credit card!

All 4 of the Customer Service people I talked with immediately said that the website is a big problem and they are aware of issues and complaints from many customers. The most important thing is the ACCURACY of the information provided and based upon this experience I do not trust the Barclays system at all.Desired Settlement: I am looking to review the data I downloaded with a capable DECISION MAKER from Barclays. I want to show what I downloaded from their site and explain why I feel an adjustment needs to be made to my bill. $3,000 is a bunch of money for the average consumer!!

Also, I have an MBA from an Ivy League school and even I cannot figure out the CURRENT BALANCE. There should be a 3rd column added to the Transaction Summary on the website. As a purchase is made that 3rd column should show the CURRENT BALANCE after EACH transaction. This would make it CLEAR to their customers what their balance is and avoid a ton of confusion.

This appears to boarder on deceptive practices. Purposefully causing confusion and overcharging is not acceptable.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 15, 2013

RE: Upromise MasterCard account ending [redacted]

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

It was a pleasure speaking to you regarding your account. Based on our conversation, your inquiry was sufficiently handled by one of our customer service representatives when you spoke with them on October 1, 2013. As a result of that interaction, I was pleased to learn that you agree the account balance is accurate. We apologize for any confusion resulting from your earlier conversations with our representatives.

Thank you for bringing this concern to our attention and allowing me to be of service. Should you have any questions please contact me directly at [redacted]. My office hours are 10:00 a.m. to 7:00 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: Barclays Bank Delaware Corporate Office & Headquarters intiated a unauthorized FRAUDULENT CREDIT PULL OF MY 3 CONSUMER CREDIT REPORTS WITH OUT MY LAWFUL / LEGAL PERMISSION. This was done with out a lawful / Legal permissible purpose defined by the Federal Trade Commission Consumer Protection Laws. The FCRA clearly states in [15 U.S.C. § 1681o] Civil liability for negligent noncompliance and in [15 U.S.C. § 1681n]Civil liability for willful noncompliance also in [15 U.S.C. § 1681b] Permissible purposes of consumer reports.Desired Settlement: I am demanding a letter of apology on Corporate Letterhead and cash settlement for erroneuos fraudlent violation of LAW sent to me in the mail by overnight delivery. I also want Barclays Bank Delaware to contact Transunion, Equifax, Experian, Credit Reporting Agencies to delete this hard CREDIT PULL and INQUIRY OFF MY CREDIT REPORTS.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 24, 2014

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

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

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

Consumer

Response:

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

Review: on 6/25 it was brought to my attention by TransUnion that fraud activity was occurring with my personal info and an account had been opened with Barclay. I contacted the institution immediately to address and spent half of my day trying to get reassurance that the account would be blocked and that the investigations team would follow-up with me. after no word, I contacted the institution again on 7/14 and was informed that the person that could help me was not available and would have to call me back.

I have been waiting since 6/25 for requested information where I can file a police report locally regarding the identity theft/fraud. I need help because Barclay does not appear to care that accounts are being opened illegally at their company.Desired Settlement: I need to the requested info where a police report can be filed as well as written follow-up that the account has been closed immediately that was opened illegally with my information

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

July 28, 2014

RE: Carnival MasterCard account ending 8547

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: In Nov of 2011, I requested a credit report. Requesting the credit report required that I provide my credit card information to obtain the report. I missed the 7 day cut off for cancellation and was therefore billed 30.00 per month. I did cancel within a one month period. So I expected to be billed for one month only. The time following this incident, my credit card issues me a new credit card with a new number during the month of March 2012, of which I did not provide to [redacted] with. I never thought much of it thereafter, I did not review my credit card for charges,my goal was to pay off my credit card debt. Which means I charge less than 100 over the last two years. If I happened to I did not see a charge. I am going to check to see how far back I might find a statement that would support what I am saying.I was viewing my bill during the month of May and noticed that [redacted]" billed me for a monthly charge. I actually had not received an email from them, since January of 2012, during January 2012, I received an email from them. I do not know how they obtained my new credit card number, due to the time passed, it is almost impossible for me to find notes that I took during cancellation. The person that I spoke with from the company said there had been no activity on the account since it was opened. I know I called an cancelled services with them. When I make my payments to my credit card company lately, they keep referencing my old account number. I actually had to point out that they were not referring to my credit card number that I was calling to make a payment on.Also recently with this credit card company, they called me to remind me that I had missed my payment. I informed them that I would make the payment as soon as I got home and I did. About a week later, I received a call from them and they wanted me to pay the current months payment and the upcoming months payment, I informed them that I made the payment already. I did have a copy of my payment and did not give them authorization to take money from my account. When I went to make my May payment, I found out that they had billed my checking account without my consent for 140.00+, and I had already scheduled another payment to them within this thirty day time frame. My checking account was overdrawn and I received a 30.00 charge, I cancelled the May payment. When I make a payment online it is not a scheduled payment, I make sure that it is a payment to be withdrawn/posted within a 2-3 day time frame. Their information showed that it was a scheduled payment for later. I did file a complaint with them regarding the unauthorized payment withdrawal from my account.I cannot figure out how [redacted]" obtained my new credit card number. Bottom line is that I have been billed for services that I know I cancelled, in the event that I failed to cancel, my question is how did they obtain my new credit card number. I was never contacted my the company inquiring about the credit card number changed. The best I can figure is that Juniper Credit Card Services provided this information to them or they are one in the same companies. If there are problems it is related to their computer change over, they changed updated their web page. After this event, I deleted all of my current information and make my payment by phone.My account balance seems to have inflated. I have made my payments regularly with this company, with the exception of two times. One of these times recently in April/May this occurred.Desired Settlement: Billing for [redacted] be deducted from my account (500.00) and a 30.00 overdraft fee be refunded to me for drafting from my checking account.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 30, 2013

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

We regret any inconvenience you have experienced while attempting to resolve this issue. Our records indicate that you originally contacted us in May regarding the transactions from [redacted]. At that time, our agent spoke with a representative from [redacted] and confirmed they issued a credit for the most recent charge of $29.95 and canceled your subscription as of that date. Prior to this interaction in May 2013, we have no record of any other disputes related to this reoccurring transaction nor was your MasterCard account number ever changed during the time the merchant billed you.

Your correspondence also mentioned a payment that was drafted from your checking account without your authorization. We have no record of this payment being made over the phone with one of our agents but was made through our customer website. Since it doesn’t appear we made any error in applying payments as you requested, we are unable to refund any overdraft fees your bank may have accessed.

[redacted] we hope this information clarifies matters for you. If you have any questions, please contact me at [redacted]. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Review: This company has helped someone basically steal 500 dollars form my credit card and will not credit me the amount because there wasn't sufficient enough evidence after I waited for 30 days to hear from them over this dispute. I have never disputed any amount on this card and have spent thousands plus interest on this card and they will not honor their policy in me not being responsible for unauthorized charges on my card. Due to me being legally disabled. I worked with them every time they called I called to dispute it as soon as I saw the charge on my card and they refuse to credit back the unauthorized amount. Due to me being legally disabled and on SSDI, this has created severe anxiety and is extremely upsetting, especially knowing I can't even trust my own credit card company to be there and do their job correctly. The greediness is overwhelming.Desired Settlement: I would like to have my 500 dollars credited back, I deserve it as a loyal long time customer who has always made payments and purchases on this card.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 28, 2013

RE: Upromise World MasterCard account ending in [redacted]

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

According to our records you contacted us by telephone on August 14, 2013, to dispute the transaction from [redacted] that posted to your account on August 3, 2013, in the amount of $500.00.

We have carefully reviewed the available documentation supplied by you and/or the merchant. Unfortunately, we remain unable to further assist you or pursue credit on your behalf for this particular transaction.

Because you are continuing to dispute this transaction that we previously investigated, we have reported to the consumer reporting agencies that you do not agree with the results of the completed investigation. Barclaycard reports account information to the following consumer reporting agencies:

TransUnion Consumer Solutions Equifax Credit Information Services, Inc

P.O. Box 2000 PO Box 740256

Chester, PA 19022-2000 Atlanta, GA 30374

Experian

701 Experian Parkway

P.O. Box 2002

Allen, TX 75013

We encourage you to continue to pursue resolution by working directly with the merchant involved. We apologize for any inconvenience this matter may have cause and regret not being able to further assist you.

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.

Sincerely,

Consumer

Response:

Review: Barclay's has a 0 percent liability program and have failed to honor this. I made the bank aware of fraud/unauthorized charges on my account as soon as I was aware something had occured. I've placed over 50 phone calls with requests to speak to supervisors that have not been returned or answered. I spoke with someone in the executive office over a week ago and they promised some type of contact by the end of the week but that too wasn't followed up on. I told that person and supplied an email with evidence of another bank finding that fraud took place on my account there. I've been totally open and honest and willing to supply anything needed but no contact has been made with me. Please adviseDesired Settlement: I would like the fraud charges credited to my account as well credit for the interest I paid on these unauthorized charges

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 6, 2014

RE: Barclaycard Rewards MasterCard account ending in 2191

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

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

If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday. It is my pleasure to have been of service.

Consumer

Response:

Review: I signed up with this card over a year ago, I have never been late on my payments. i'm about to pay off the full balance but notice there are points remaining. I called to redeem but they told me I need a minimum of 2500

I dont feel its fair that I cant redeem all the points I earned. I spoke with a manger by the name of jim number os2jmi who refused to redeem the points even tho I told him i'll file a Revdex.com compliant he didnt care. now we have to go through this process for a few points.Desired Settlement: my points to be redeemed

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 7, 2014

RE: Barclaycard Arrival MasterCard account ending in 0751

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.

If you have not received 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.

Consumer

Response:

Review: I applied for the Barclaycard Arrival Mastercard through Barclaycard Bank. I have perfect credit, make $110,000.00 per year, own my own home, yet surprisingly was declined. The reason cited were "due to high balances" on my Trans Union credit report.

I contacted Barclaycard two times by phone, leaving voicemails on their customer service line mailbox, which were not returned, and sent a fax which was not answered. Today, I called again and finally spoke to a live person and reviewed the account. After a discussion, it became clear to me that Trans Union is/was reporting old information. In January, I paid off two credit cards and my auto loan entirely, thus "paying off" about $35,000 in previously extended credit. Apparently, this is not reflected on Trans Union's report.

When I spoke with Barclaycard today, they pulled my Trans Union report again and gave me the same rejection speech they gave in their decline. What they're not hearing is, this information is simply not correct. It is not my fault it's not correct. I asked if they could pull my Experian report, which as of yesterday shows my credit score as "710" and reflects the paid off accounts I spoke of, but they refused. I asked if I could submit copies of the payment drafts made on the accounts which I paid to prove I paid them. The associate further declined.

I don't feel I have been treated fairly by Barclaycard customer service. I have never missed a payment on any account, my credit history is flawless and I believe my income certainly qualifies me for the pre-selected offer I received in the mail from Barclaycard. I don't feel it's fair I was declined based on inaccurate and erroneous information. I realize it's not Barclaycard's "fault" Trans Union is not reporting accurately, but it's not mine either. I made several attempts to supply the correct information to qualify for this card and was repeatedly rebuffed.Desired Settlement: I would like Barclaycard to review this matter (Application ID# [redacted]) and approve me for the credit card offer, which they sent. I will happily provide whatever documents necessary to satisfy their inquiry. Otherwise, if the Revdex.com cannot assist the desired resolution I will have to seek assistance from the Delaware Attorney General and the Federal Trade Commission.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 12, 2014

RE: Application for Barclaycard Arrival MasterCard account

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 12, 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 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:

Review: I have a credit card account with Barclay. Every time I call customer service for any reason concerning my account they place a security hold on my credit card because they think I am a female. While my first name can be mistaken for a female, it is also a name for males. They are well aware I am a male because their correspondence and bills come with a "Mr" salutation, yet their customer service representatives always assumed that the card holder is a female and when I seek phone assistance they freeze my account. Just today 3/20/14 they have frozen my account despite me answering right on all security questions they asked.Desired Settlement: I want Barclay to stop freezing my account every time I call and lift the current hold. Also, I would like them to note on the account that I am a male so next time I call I won't have any problems.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 14, 2014

RE: Barclaycard Arrival World MasterCard ending 0979

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. ET Monday through Friday.

Consumer

Response:

Review: I made a balance Transfer From my Bj's Business Barclay card to my capital one credit card on 3/1/14 in the amount of $8,820.00. Barclay Bank Delaware revived the check and cashed it on 3/14/14, but has not credited my account yet. I have repeated ly called and faxed them a copy of the cashed check. they admit to cashing the check, but have not credited my account yet.Desired Settlement: They credit my account for the amount transfered$8,820.00 as of the date they cashed the check 3/14/14. and credit my account for intrested charged after 3/14/14.

Business

Response:

P.O. Box 8885

Review: I recently saw on my credit report that this particular bank reported a 30 day late payments last July 2013 for my NFL Extra Points Visa CC. I HAVE WROTE THE COMPANY TWICE BOTH BY CERTIFIED MAIL ALONG WITH FAX. I HAVE ALSO CONTACTED THE FRAUD DEPARTMENT AND SPOKE TO NUMEROUS SUPERVISORS explaining my situation!!! I even attached copies of my bank statement showing my payment was done on time every month. For the six months before July last year and the 6 after there was no late payment whatsoever!! The bank is clearly making a mistake.....They are refusing- and I repeat their refusing to rectify the issue. They think I am just going to go away and just be a number just like all their other customers?! I thing NOT!!! Honestly this negative mark on my credit report is the only thing on my credit and it is the only thing preventing me from getting my RV mortgage loan. I have received two correspondence from Barclay's stating they are reporting the information accurately which is not correct.

I have forwarded statements from my bank to Barclay's which they still are upholding the same opinion stating THEY WILL NOT REMOVE THE 30 Day late pay as it is correct. according to them. It is not correct and they have 10 days from the date of this notice to remove in its entirety the negative entity on my credit report to reflect a positive mark on my credit report showing the account was never late once which is the truth. I will also be contacting the Atty. Gen. of the state of Delaware and other legal remedies if I must do so. I am not asking for much other than the truth.

If the Revdex.com or any other companies would like me to forward my bank statements showing my on time payment history please feel free to advise me and I'll be more than happy to forward them to youI recently saw on my credit report that this particular bank reported a 30 day late payments last July 2013 for my NFL Extra Points Visa CC. I HAVE WROTE THE COMPANY TWICE BOTH BY CERTIFIED MAIL ALONG WITH FAX. I HAVE ALSO CONTACTED THE FRAUD DEPARTMENT AND SPOKE TO NUMEROUS SUPERVISORS explaining my situation!!! I even attached copies of my bank statement showing my payment was done on time every month. For the six months before July last year and the 6 after there was no late payment whatsoever!! The bank is clearly making a mistake.....They are refusing- and I repeat their refusing to rectify the issue. They think I am just going to go away and just be a number just like all their other customers?! I thing NOT!!! Honestly this negative mark on my credit report is the only thing on my credit and it is the only thing preventing me from getting my RV mortgage loan. I have received two correspondence from Barclay's stating they are reporting the information accurately which is not correct.

I have forwarded statements from my bank to Barclay's which they still are upholding the same opinion stating THEY WILL NOT REMOVE THE 30 Day late pay as it is correct. according to them. It is not correct and they have 10 days from the date of this notice to remove in its entirety the negative entity on my credit report to reflect a positive mark on my credit report showing the account was never late once which is the truth. I will also be contacting the Atty. Gen. of the state of Delaware and other legal remedies if I must do so. I am not asking for much other than the truth.

If the Revdex.com or any other companies would like me to forward my bank statements showing my on time payment history please feel free to advise me and I'll be more than happy to forward them to you,

I feel that contacting the office of the president is going to do nothing just like the other phone calls, letters, faxes and certify mail documents I have done. This is bull crap and I will not stop until this is removed from my credit report. Not only is this being reported to one but rather all three credit bureaus including Equifax, Experian, and Trans Union.

I can be reached by telephone at [redacted] or contact me via email at [redacted] At this point I will not except anything other then the removal of my negative remark because I have been very patient and lenient with Barclays!!!!Desired Settlement: I DEMAND THE 30 day late pay from last July, 2013 be removed immediately before I file criminal charges with the IC3.gov for retail fraud!! I was never late and this is preventing me from getting my mortgage!!!!!!

Business

Response:

Review: On numerous occasions after payment and settlement, including court praecipes, Barclays Bank after requests emphasizing time being of

the essence refuses to comply with federal law as provided for by the FCRA (Fair Credit Reporting Act). Specifically they falsely stated the

law and their obligations thereto. They operate under charter of the State of Delaware and concomitantly the United States of America

and are thereby bound. On dates antecedent to June 25, 2014 at which time specific performance occorred by myself or those acting on

my behalf and July 25, the maximum period allowed by law for compliance, Barclays Bank continued to pursue a course of action in direct

contravention with federal law, namely claiming by several duly authorized individuals in its employ that they could not comply with

explicit provisions of the FRCA. These actions have cause material damage to myself and my dependents in amounts that exceed $20,000.00

and if continued would amount to significantly more in material damages.Desired Settlement: Monetary damages of $20,000.00 USD immediately and accruing based on continuing damages up to the time of settlement.

Consumer

Response:

The short term resolution is a zero balance letter sent by fax/scanned email and US mail. This is preventing me from securing housing and will have long term negative effects for me and my family.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

September 5, 2014

RE: Juniper MasterCard account ending 9248

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]ur office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday.