Barclays Bank Delaware

Review: When me and my wife signed up for the Barclaycard through Frontier Airlines, we were promised 40,000 miles on each card. This 40,000 miles as they said is enough to purchase on round trip airfare ticket in the US. This was in Aug 2013 that we were issued the card. We did charge at least once or twice on each card to activate the 40,000 miles each. After making a complaint to their corporate office last year, I had to fight to get the 40,000 miles. Now, after paying and renewing our cards, Barclays is telling me that there are no miles on the account. This is not accurate and they need to put the 40,000 miles on each of our cards or I want my money back of $69.00 dollars charged on each card that I have paid. This is fraud that they have taken the mileage away from us.Desired Settlement: I want the 40,021 miles to be put back unto card number:J[redacted] MasterCardAnd I want 40,071 miles to be put back unto card number:Ni[redacted] MasterCardIf not, then Barclays has to refund me the 69.00 annual fee for each card. Or a total of $138.00

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 24, 2014

RE: Frontier Airlines MasterCard account ending 9797

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

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

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

Review: They have a 5x rewards point offer when you use it to purchase a "Name Your Own Price" ticket on Priceline. When I attempted to use it, they declined the charge although there was $9000 available credit. They state the wrong security code (on the back of the card) was used, but I had the card in my hand entering it for the online purchase. Guess that's one way to get out of honoring your rewards program. Furthermore, I have had to "verify" a prior internet purchase with customer service representatives on FOUR separate occasions. When I filed a complaint e-mail, they retaliated by placing a "temporary hold" on my account.Desired Settlement: I'd like a credit for the $15 rewards points I would have earned had they processed the charge properly.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 7, 2014

RE: Priceline Visa account number ending in 0826

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 clicked a link withing an advertisement that did not contain any detailed information. The application was declined because they stated the application was for preferred members of an airline which was not stated anywhere on the application. Upon calling the company, I was transferred and transferred and hung up on. I finally spoke to a supervisor who stated that I cannot do anything other than wait 30 days to attempt to reapply (again no guarantee that their application won't be wrong again).Desired Settlement: I would like them to correct the problem, honor the application and not make me wait 30 days to reapply to an offer that did not clearly state the restrictions.

Business

Response:

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

Consumer

Response:

Review: I originally applied for a Barclaycard when I was looking to purchase an apple product a while ago for the interest free financing. This January I decided to finally utilize the card for the exact reason I applied for the card. I called the morning of January 17 and ensured I would still be able to utilize the interest free promotion and I was assured that if I purchased the iphone with the card, I would receive the interest free financing. So, under this premise I purchased the iphone on this card.

On January 30, I received my bill and I did not see a promotional balance rate end date. I called the customer service department and was told by the agent that the purchase did not have interest free financing. Additionally, since Barclaycard has sent me (2) promotional offers, the interest free financing cannot be placed onto the account. After receiving this information I was very frustrated and I ended the call with the agent. After regaining my composure I contacted another representative and he was also unable to do anything about the financing and I requested that I would not receive future promotional offers. I would normally follow the request to contact the company first to resolve the issue as requested by the Revdex.com when submitting the complaint; however, since I already spoke with (2) representatives that were unable to correct my issue I have exhausted enough resources on my part to correct this issue.

Due to this false impression that I received from the representative originally and the advertising on the apple website, I am being financially impacted because I am required to access savings in order to pay the balance. I am going to pay the balance within the no-interest time frame, but I feel deceived and believe this to be a poor business practice. If I was not meticulous in reading my statement, I would have never noticed that the zero percent financing was not applied. This experience makes me wonder how many people fall victim to this practice.Desired Settlement: Given the totality of the circumstances and the financial hardship I experienced, I believe I should be compensated the same amount that I would have paid had I not noticed that 0% was never applied over an 18-month period. At 22.99% financing rate over an 18-month period with my purchase balance I would have paid approximately $220 in interest.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 9, 2015 [redacted] RE: Barclaycard Financing Visa Card account ending 8905 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Review: This company has a ridiculous due date cut off time for making payments. Made a payment on due date July 20, 2015 & was charged late fee!! Was told by customer service that since payment was after 7:00 p.m. a late fee was charged. ALL other credit cards that I own have a cut off time of midnight for payments that are made on due date. Barclay is the ONLY one that has this absurd early cut off time for payments made on due date. I even called the phone # provided on this site to call office of the president @ Barclay before filing complaint. Reached a recording @ 9:15 a.m. EST that indicated office hours were 8:00 a.m. - 8:00 p.m. EST & to leave a message. Prior to making this call I was told by customer service that due to a previous late fee that was charged then removed during my move from Georgia to Texas that I could not get another one. I could understand this if I was ALWAYS late by habit. The bottom line is I did technically make the payment on the due date but after 7:00 p.m. EST. I formerly worked for a major credit card company & know that late fees can be removed if a person chooses to do so. I have recently got my credit back on track & do not have a habit of late payments. My account may be small potatoes compared to most but I will cancel this card if this charge will not be reversed. Seriously.......$37.00 is not going to break this company.Desired Settlement: Remove the $37.00 late fee charged on July 20, 2015. Payments will not be late again. I intend to set up auto pay. But will not do it unless this late fee is removed.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 20, 2015 [redacted] RE: Williams-Sonoma Visa account ending in 5810 [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 have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. I feel that the bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details--they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to "appeal" the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they won't do anything. I also tried the "Office of the President," but that seemed to be a total waste of time. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and I would appreciate any assistance that the Revdex.com can offer. The phone number on my credit account is [redacted]Desired Settlement: I would like my credit limit restored to the amount that I had before the downgrade.

Business

Response:

P.O.

Box 8885Wilmington,

DE 19899-8885October

20, 2015[redacted]RE: Barclaycard Rewards MasterCard account

ending in 4259[redacted] Thank

you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us

from the Revdex.com of Delaware. To ensure the most efficient

handling, your correspondence was forwarded to the Office of President to

investigate and respond. We

have fully investigated your inquiry. We have sent you a detailed response of

the investigation and any actions we may have taken. Please allow 7-10 days for

that response to be received through the mail. If

you do not receive the detailed response or have additional questions, please

contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday

through Friday. Sincerely,

Review: Have hired a merchant and paid for services. Merchant charged me twice for the same service. Contacted the merchant to issue a refund which promised me to do it. Waited until now and refund never showed up, tried to contact merchant and now he is out of business. Credit card company refuses to refund as it is over 60 days. Contacted credit card and the only thing they said is that they are sorry and cannot help.

These are the transactions which are being disputed:

09/19/13 [redacted]Desired Settlement: Dispute the transactions.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 9, 2014

RE: US Airways MasterCard account ending 6773

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: I have paid this credit card on a monthly basis on time, something happened in Feb in the amt of $92.36 and my bank was holdng this as pending, I had no idea and the credit card co is now telling me I am overdue,Ii do not want them to discredit me and I called them on severalo ccassions and spoke to several reps, I also have a letter to the president amer syid, he is located somewhere in Houston, TX he is the president of this credit card company, I am mailing a dspute to the company have spoken with a manager and a supervisor and I have just about enough of their attitude with them. there was another issue made with them several mos ago with a check I had writte to a physician, on a convenience check from them, it did not go through, they never told me and I paid a a fee of $12, this company does not disclose anything to me. neither did the bank. this incident caused me embarassment .Desired Settlement: I want to not be reponsible for their billing issues, they seem not to document anything or anyone I spoke with. The $92,36 needs to accounted for and I should not be late.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 April 15, 2015 [redacted]

Re: SallieMae MasterCard account ending in 9748 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Consumer

Response:

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

Review: I have now made two advanced payments on my account to take care of a deferred billing payment of $99. It should not take $175 in advanced payments to cleanup a deferred billing of $99 that is due in November. I scheduled all automatic payments since opening this account and have never been notified of any problems with the account and have never missed a payment. If I would not have checked the status of the account they would have charged me more than $148 in differed interest, that is wrong and deceptive. This extra $175 put me into financial hardship going into the winter months.Desired Settlement: I want acknowledgement that my deferred account will not be charged interest and I want the interest on the account lowered to 14.99% to make up for the advanced payments I had to make on my account because of the deceptive account management from barclay.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885October 27, 2015 [redacted]RE: Barclaycard Financing Visa Card account ending 8658[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 I find there is nobody that will actually help a middle class citizen, no wonder why this country is having problems, it is all about big business.

Review: When I had a dispute against [redacted] for double charging me, and when I had screen shots that could instantly prove my point to any rational human, I learned the hard way that [redacted], who until then I loved, has the single worst dispute process in credit card history and would not allow me to send those screenshots. I had to explain to a foreigner what happened. Unlike most merchants that give the customer the benefit of the doubt, [redacted] (Barclaycard) assumes the merchant is innocent. At first I went online and [redacted] told me I had to call them. Then I called and had to explain everything to an Indian woman who transferred me to the dispute department. Then I had to explain the whole thing all over again despite my call "having been recorded for quality purposes". Then the person on the phone decided "give [redacted] a call" and put me on hold. Great idea (sarcasm if you speak English). But after 15 minutes on hold I hung up and called again. I had to go through the same exact process again, explaining things to the Point Guard, then get transferred to the dispute department in [redacted] Now even though this dispute was for about $10 in miscellaneous charges, the person on the phone must only earn that much every week, so it's a lot to them. They suspected it might be me trying to scam $10 from [redacted]. So we needed to "review our options in this complex case" before proceeding with an actual dispute. So I was put on hold "for one quick moment" that took 12 minutes. Then he said he STILL wasn't sure it was a valid complaint and that, even though my two screenshots showed "You already paid so you can't buy the unlimited version" and "You are out of credits so you must pay $3 again for the limited version", he said "That might be their policy (maybe it's their policy to rip you off even though they admit in writing you already paid)". At that point I asked to talk to a supervisor and was put on hold indefinitely (it's still on hold).Desired Settlement: I expect that they will - like every other credit card company in America - allow us to email our complaints. I also expect they will credit me for all of the small charges from [redacted] that happened between July 21 and July 23, and that THEY will explain to [redacted] what happened, and NOT WITH ME WAITING ON THE PHONE.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 6, 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 on your account and would like to take the time to respond accordingly.

I would first like to confirm that a courtesy credit in the amount of $16.08 has been applied to your account. A thorough investigation has been completed and the details are listed below.

You initially contacted us to dispute charges from [redacted] because you no longer had access to the unlimited version of a game you purchased. Unfortunately we were unable to obtain sufficient information to place the purchase into dispute. However, as a courtesy, we have issued a credit to your account for the amount of the transaction. We encourage you to continue working with the merchant to resolve any further issues you may have.

Your correspondence also expressed concern about the length of time you were placed on hold. In our efforts to assist you in resolving your claim, we attempted to connect you and the merchant together with us so the details of your transaction could be confirmed. We apologize if you felt that this was inconvenient, as this was not our intention.

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: Let me begin by stating that I am a full time college student who purchased an apple computer and in the process I applied for the Barclaycard Financing Visa Card. I started to make my payments on time. Then I was late for one payment and the next day their collections department was calling EVERY HOUR ON THE HOUR. (if you do not believe me just google these numbers [redacted]) This practice is extremely unethicalWhen I fell behind on my account I voluntarily told them that I had lost hours at work. In Which I was actually telling the truth about. Yet they kept calling me everyday on the hour. No one asked if I could provide proof of the change in my income. No one was willing to work with me. The company says that they are here for you in the emails they send but when I gave them information about my account no one gave me options. On November 12, 2013 they closed my account and on November 15 proceeded to call me and ask me for money. I told the representative that I had already mad a payment arrangement, not knowing that my account was closed I had my an online payment arrangment. She did not tell me that my account was closed, nor did she ask me what was going on that I had fell behind. I did not know that my account was closed until I received a letter in the mail the next week. Neither my account online or statement show that it is closed which is very misleading. This company was not helpful for me at all. I would have been more than willing to comply to a hardship, or loss of income program in which most companies have. Considering that the economy took a huge hit with the government being fur loaded, in which that affected me as well. Bottom line the com pay is very misleading. They do not offer their consumers any guidance.Desired Settlement: I would like my account to be reinstated considering I made a $600.92 payment. I now can make my payments on time considering that I have another job and can provide proof. The company should ensure that all customer service representatives are trained efficiently. The company as a whole should be ready, willing, and able to help their consumers who have fallen behind. Actions speak louder than words. Ask consumers if there is anything that the company could do, and follow through with advertisements.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 9, 2013

RE: Barclaycard Financing Visa ending [redacted]

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

We have fully investigated your inquiry. Under separate cover, we sent you a detailed response of the investigation and any actions we may have taken.

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

Review: Barclay bank closed my two credit accounts (end with [redacted]) with no reason and and refused to honor the rewards points. I opened the account [redacted] later last year after I saw their opening bonus (something like 50K or 40k miles) after certain spending limit. After I met the spending limit, the bank closed my account. The account was closed when I was traveling in China. I called the customer care from China when I found the card cannot be used. I was told the accounts had been closed. Also I cannot access the accounts online and see the transaction details.

I have been a good customer and I believe I have never violated any terms/conditions. It is very bad practice for them to treat a loyal customer like me. I have excellent credit score (750+ usually) and descent income/house. I dont understand why the bank did that to me.Desired Settlement: Honor the reward mileage points, as I have reached their spending requirement for account [redacted], and restore the awards for the other account. Also reopen my accounts if possible.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 16, 2013

RE: NFL Extra Points Visa account ending [redacted] and

Virgin America Visa account ending [redacted]

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

I appreciate you taking my call on December 6, 2013. The following information reiterates the conversation that we had.

Upon review of your accounts, they were both closed on December 24, 2012. Letters for both accounts were mailed to you, which provided the reason for the account closures. We understand you feel this was not the best experience for you and regret to have inconvenienced you in any way.

Unfortunately, due to the length of time that has passed, we are unable to honor your request to reopen the accounts. In addition, we are not in a position to honor your request for additional miles. Should you have additional questions, please contact me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Consumer

Response:

Review: I am filing a complaint as a result of very poor customer service. In September 2013 I contacted your credit card company to establish another payment plan contract which involved your company drafting $130 from my checking account each month in order to pay off the balance on my card. Your employee made a mistake and entered this payment draft twice, so in October $260 was drafted from my checking account. I called to request a refund and was told that it would take 7 to 10 business days. I was informed of the mistake and told it would be corrected. I did not receive the refund and in November when the payment was taken from my checking account a double payment was drafted again. This in turn created an overdraft on my checking account and I was then responsible for paying a $30 charge. I immediately called the company and spoke with a supervisor and he explained that the claim had not even been submitted for review as the previous employee had told me he was going to do. He assured me that he would submit for review and that my money would be refunded but it would take 7 to 10 business days. I did receive one of the $130 payments but never the overdraft fee and Nov. extra payment. I called again Dec 9th and was told that it was not submitted for review and also I asked the rep. to check to see if mistake had been corrected and it had not. It would have happened again in Dec. if I had not asked her to check. I have made 7 calls to the company and have been told each time that the request has not been submitted for review and each time have been told that it would take 7 to 10 business days to receive the money. To this date, I still have not received the refund of Nov's payment or the overdraft charge. I have talked to 6 different reps from your company, some of which who are supervisors and this has not been resolved. The $160 may not seem much to your company, but it has created a lot of problems for our family, many of which there is not space enough to write here.Desired Settlement: I am asking that the company forgive my remaining balance of approximately $1200 on the card with no strings attached and no negative effects on my credit score. I have been a long time customer and have paid definitely more than $1200 in interest and credit card fees since 2002. I feel you should be held accountable for your repetitive and senseless mistakes that has caused my family financial stress, and numerous hours on the phone to your company.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 24, 2014

RE: Upromise MasterCard account ending in 3752

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

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

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

Review: On October 29, 2013 I have fully satisfied a debt owed to Barclay US of Deleware through North Star Collection Services. Upon a recent credit check, I have found that Barclay is still reporting that no debt has been satisfied. In an attempt to resolve the issue, I contacted Barclay, as well as NorthStar and was given conflicting answers. NorthStar concluded that Barclay is responsible for debt reporting to the credit Bureau. Barclay informed me that it was NorthStar's responsibility to report to the credit Bureau. After speaking to both companies, I requested to speak to a supervisor at Barclay. I was informed that the supervisor refuses to speak to me, and shortly after the associate I was speaking to hung up on me. I am not irate about the situation, I am just however disappointed. I have filed a claim with the three major credit reporting agencies regarding this situation. I was informed by the agent from Barclay that they do not do any positive reporting to credit agencies, and that only if an account is past due they do a negative report against consumers. I find this hard to believe and would like an answer from someone with authority from Barclay. A copy of this message will also be mailed to the complaint department with Barclay, as well as the President and CEO.Desired Settlement: Correct and immediate reporting to the three major credit agencies, as well as a letter of explanation for why a supervisor of a major financial institution refuses to acknowledge a customer. Also I would like a phone call from someone with authority at Barclay for an answer for the behavior presented over the phone call. The initial phone conversation took place 3.10.2014 starting at 7:16pm Eastern Time.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 8, 2014

Re: Barclaycard Financing Visa Account ending in 2162

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 have not received the detailed response or have additional questions, please contact our office at [redacted] My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

Review: I am trying to resolve an issue with a paid Charge Off (Account: [redacted] that is unlawfully being reported to the Experian Credit Reporting agency and which should be removed immediately.

I am a New York Resident and according to Article 25 N.Y. GBS. LAW § 380-j : NY Code - Section 380-J: Charge Off's which have been paid are prohibited from appearing on the credit reports of New York Residents for more than 5 years. I have disputed this information numerous times and repeatedly contacted Barclay's Bank Delaware in regards to this information continuing to be reported after closing the account with the collection agency which this account was sold to, but this account continues to appear on my report.

I am again formally requesting that this account be removed from my credit report as required by the laws of my state so that my rights are no longer violated.

Thank you for your help in this matter.Desired Settlement: Deletion of Tradeline from my Credit Report as required by New York State Law.

Business

Response:

P.O. Box 8885

Review: Dear [redacted], CEO

After 10 months with Barclay's Arrival MasterCard I have had more problems than with all my other credit cards for the entire time I had them. I will list these issues:

1. I was at first credited with half the initial mileage promised because I called rather than using the website even though there was no disclaimer on the website and no employee pointed out a difference in mileage credit. This is quite illegal but it took some effort to get the credit due.

2. The amount of my initial credit line was half of what [redacted] provided but when it became an issue I was told it was too late to change without unfreezing my credit again and exposing myself to identity theft.

3. After the [redacted] breach I was NOT told you would send out a new card until months later and it was activated without my asking causing me to have to rush to change merchants that make monthly charges.

4. When the replacement card for the [redacted] breach arrived, there was only one and I had to request they send my wife's card too as they should have known to do in the first place.

5. More recently my website access was hacked and the hacker made a charge for a Verizon phone, changed the security image at my login to the website and changed my email contact but NONE of this caused Barclays to alert me. Instead Verizon did.

6. When I requested a new card from the fraud department due to the website hack they, again, forgot to send a new card for my wife.

7. When I forgot the exact answers to security questions I was locked out and COULD NOT be given access without the new card which I did not have yet. (All of this was preventable with two factor authentication.)

8. I put in new security questions when I got the new card but was unaware they could not be changed at the website nor will it even list what the questions are. This is in contrast to any other vendor I know of.

9. Personal Security questions are asked at sign on, randomly, even on a home computer which is secure and used all the time and this, it seems, cannot be changed per technical support.

10. Technical Support is in the Philippines with agents, some of whom, are not too fluent in English and there is no option to get this support in the U.S.

11. Even after I got my most recent card, activated it by phone, and received a message that the card was activated, it was declined at a restaurant. I had to call in, only to find it was NOT activated, despite the email message.

As a retired IT Project manager I am appalled at your approach to security. You do not have two factor authentication, pretend to make the site secure with personal questions asked at random even when unnecessary, do not allow access to these questions on line creating more hurdles, and cannot get a legitimate cardholder access without the current card being available to him or her. On top of all this your staff doesn't even seem to acknowledge people who are married, and have two cards, need them both replaced, despite having different numbers.Desired Settlement: I have spoken to [redacted] about some of these issues, notably the lack of two factor authentication which, by itself, would eliminate the need for the onerous approach used with security questions, and make the likelihood of further web breaches (for those who use it) highly unlikely while allowing for a more user friendly way of achieving security. He could not assure me when or if this change would be made though he did offer an $89 credit against next year's charges. This seemed reasonable BEFORE my card was declined at a restaurant, even after I activated it, and BEFORE I was told that I would be getting the security questions randomly even at home and could not change them online.

I would NOW like more specific assurances that Barclays WILL address these security issues so that random personal questions at log on to a regularly used terminal would not occur, and two factor authentication WILL be implemented so I do not again have to deal with the issues that arise if my user id and password are compromised. I also expect Barclays to be able to get temporary access to the website to a cardholder who can prove identity as almost every other financial institution already does. It should also be considered a standard that when one card is replaced, in a family, the others will be replaced unless otherwise requested.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

September 24, 2014

RE: Barclaycard Arrival account ending 6275

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 was the. Victim of identity theft and a Barclay credit card was opened. I was living out of the country and had not checked my credit. When I did find out I contacted Barclays and sent the proper paperwork. They send me a letter, never received it, not accepting the identity left and turned the debt to [redacted]. I contacted them in Sept. 2013 with paperwork and an explanation. I received a letter dated 9-11-2013 from them that I did not owe them any money and they were going to remove the debt from all 3 credit reporting agencies.

I have cleaned up my credit except for Barclays Bank. They are reporting it as account closed, charged off, owing $3,492.27. They will not speak to me and tell me to call [redacted]. When I called [redacted] they told me to write to the credit bureaus. I cannot rent an apartment due to the adverse action on my credit report by Barclays. This needs to come off my credit report as I do not owe this money. I cannot live in the street. I am a senior and cannot get into a senior. citizen building or any one else. It appears on my credit report that I do not pay my bills and I have ignored this debt. If I owe Barclays that money why did they issue me a credit card with a $1500 limit. Please help me as I do not know what else to do.

orDesired Settlement: Barclays need to contact all 3 credit reporting agencies and have this deleted.

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

November 6, 2014

RE: Barclaycard Rewards MasterCard account ending 4788

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 have a credit card with Barclaycard Us, I've made several purchases and have also made payments to Barclaycard. I made a purchase on november 16th in the amount of $414.96 and Barclaycard somehow stole the money because my phone company told me that they did not receive the payment and its not showing on my credit card statement with barclaycard but barclaycard wants me to pay that amount. Barclaycard has me oweing them $867.00 and I've had payment refunded back to my card as well as payments that I have made to them. At this point, I would like for them to get rid of all of these charges on my account because they are getting over and not only that, they employees are stealing money from them and I refuse to pay them anything for that simple fact.Desired Settlement: I want Barclaycard to go in and adjust my bill to the right amount that I owe them and I will gladly pay them off but until then, I will not pay them anything until this issue is resolved.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 December 12, 2014 [redacted] RE: Barclaycard Rewards MasterCard account ending 7614 [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 6 p.m. ET Monday through Friday. Sincerely,

Review: Wrong negative report to credit bureaus that caused credit rating damage to individual.

The worst customer service ever. Damaged my credit score. Let the charges go $16 USD over the spending limit by adding the $25 interest on the day card was paid, waived the interest, so the balance went back under the limit, and then, the same day reported to credit bureaus card being over the limit!

Now my credit history damaged over $16 charge by the card itself.

Unacceptable way to conduct business.Desired Settlement: The bank needs to cancel or rescind report to the Credit Bureaus so the disputed credit issue can be removed from all credit bureaus reports

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 11, 2015 [redacted] RE: Barclaycard Financing Visa account ending 8773 [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 9:00 a.m. 6:00 to p.m. ET Monday through Friday. Sincerely,[redacted]

Review: Fraudulent charges in the amounts of $107.25 and $108.89 were made at a [redacted] store on 11/6/2014 using my Barclaycard US Airways Mastercard. These charges were flagged as fraudulent and my account was suspended by the company itself. I have disputed the charges twice both approximately two months ago and three weeks ago and was assured both times the charges would be refunded to my account and paperwork would be sent to my home. As of today, my account has not been credited for the fraudulent charges and I've been mailed no paperwork.Desired Settlement: The fraudulent charges in the amount of $216.14 should be refunded.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 4, 2015 [redacted] RE: US Airways MasterCard account ending 1161 [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,