Barclays Bank Delaware

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: 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: 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 have been a customer with Barclaycard since 2010. I have been a good standing customer- paid all of my bills on time, never had a late payment; that is true with all of my currently opened credit card accounts. I have utilized Barclaycards for balance transfers and purchases, unfortunately because I have multiple credit cards (15-20) I forgot that I had the account and have not used it in a year. I went online to check and see if there was a balance transfer option and I was notified that y account was closed. When I called into customer services they notified me that because of high balances on other credit cards (which are all paid for on time and over the minimum payment) they have closed my account- without proper notification. I do not care that the account was closed- I have other credit cards which I utilize, however, I am upset that I was not notified of the closure and I am upset that they gave a phony reason for closing it. I have never, not once been late on my payments, I own three homes one of which is fully paid off, and three high luxury vehicles ranging from 2013-2015- which are paid off. I feel incredibly upset that they used a reason which is untrue- even if I do have high balances on other credit cards, they need to make sure and verify that balances are paid off or that the payments are made on time.Desired Settlement: I want the credit that was available to me from the credit card ($5200) to be fully transferred to the sister card I have, Barclaycard Choice Privilege so that I do not lose the buying credit.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 17, 2015[redacted]RE: Barclaycard Financing Visa account ending in 1255[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 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]

Consumer

Response:

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: On 1/2/15 I filed a dispute with Barclays for problem I was having with WigSalon.2 1/2 months after I returned the initial wigs for an exchange, I received Rosa in the WRONG COLOR! - I never received Mason to this day. I had proof in numerous emails what I ordered. The dispute Dept. is ridiculous. I got numerous different answers from different people. I will attach their first letter to me, which purports to have a 45 day window from the date of the I was told 45 days from the date I opened the dispute (1/2/15) from:Ken 1/2/15Ashnee 2/3/15Then on 2/17/15 (because I marked my calendar) Cassandra told me "they had not heard back from the Merchant so the charge amount would be put back on my account permanently". It turns out merchant responded on 2/10/15????? I get the attached letter yesterday. It appears all the Dispute Dept. at Barclays did was 1) Make copies of my complaint and send to merchant 2) Make copies of merchants response and send it to me, asking me to send proof that I had Already sent with the initial dispute. With regards to the wig I have, I am not paying $9.00 to send it back to merchant, as he sent it in error and I already spent $18.00 to send the first 2 wigs back (they were not right either). PART of my claim from the beginning was for merchant to send me a mailing label to return to him. AND I never got the 2nd wig. So Barclays does not even do any research on the merchants response and paperwork. He attempted fraud! He sent a tracking number from my INITIAL order of 10/9/14 copy attached - Tracking [redacted] and he doctored it and it so it has 2 shipping dates on it - 10/7/14 on the top and 12/15/14 on the bottom, which is even different than the shipping date on the wig I did receive. The Merchant is actually trying to get paid for a wig he knows he didn't mail. Little did the Dispute Dept. know this, as they never checked the tracking #'s or looked at any of the other info. the merchant sent, BUT they put the charge back on my CCDesired Settlement: I would like the dispute charge of $146.94 "PERMANENTLY" credited back to my credit card. The merchant is a fraud and I have proof. How can ANYTHING he says now be trusted? Complaint filed here against merchant WigSalon went unanswered. Barclay's initial letter to me regarding dispute dated 1/19/15 says "Should we need to reverse this credit, we will contact you to provide an explanation". I never received an explanation. They asked for the same proof I had sent them already---Why?

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 31, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 3801 [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:

Review: Barclay arrival + master credit card is the card I have owned for more than two years. I have considerable amount of credit line, and is my primary to go card for everyday usage. I have 5 authorized users who from time to time making the purchase, it was a fairly decent product credit card for my family to use. In return being an outstanding customer, my family and I have recently making large spending purchases, the count was never ever been late, nor past due, as matter of fact, family member and I usually pay in advance. The card was never over credit limit. Account never got into dispute or lost/stole, it is generally at a healthy usage. But all of sudden as of 9/22/2015, the business without my acknowledge made the decision to shut down, close my account and forfeiting all my rightful earned reward points along the closure. Nor even I have received a letter in mail with my correct address on file with any explanation. I have called in numerous times, and never have an explanation to me, all there was executive decision by business without literate what's the reason.Desired Settlement: Please provide proper explanation by your business executive teams ,and restore my account or at least my properly earned reward points.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 8, 2015 [redacted] Re: Barclaycard Arrival MasterCard account ending 3811 [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: We are being charged a 1% foreign transaction fee that on all foreign purchase.Desired Settlement: We would like all foreign transaction fee refunded and letter stating no fee will be applied to future purchase or our account will be closed.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 17, 2015 [redacted] RE: Miles and More MasterCard account ending 1391 [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: Barclaycard erroneously registered a recurring payment for the full balance of my credit account with them from my checking account. I did provide them with the checking account information for the purposes of payment, but I did *not* authorize automatic payments. Their electronic records or computer system registered this in error.

I had already paid the June statement in full through my bill pay on June 23rd. Barclaycard then withdrew the same amount from checking account, on July 7th. This was after the payment I had made already posted to the account. It overdrew my checking account and has grossly inconvenienced me in the process -- I am now responsible for the overdraft fees and interest on the overdraft coverage which has interest assessed at a high rate.

When I called Barclay to inform them of this error, they refused to admit wrongdoing and offered to send the money back via a check which will take 5 - 10 business days to arrive, during which time I will have to pay interest and overdraft fees. Both representatives with whom I spoke admitted they would also be quite upset, but that the policy of the bank tied their hands. My request was only that Barclay reverse the charge and put the money back in my account electronically as soon as possible. This is wholly unreasonable and has put undue financial burden on me.

I have also contacted my bank, Wells Fargo & Co, to inform them that this transaction was unauthorized by me or my wife (a joint account holder).Desired Settlement: I would like to have Barclay reverse the charge electronically and undo the overdraft. I would also like an apology for the inconvenience, and I would request that they revisit the policy that burdens their customers for their mistake. I would assert that the decision to send a check instead of electronically reversing the charges is designed so that they can profit through interest made during the period which the money floats between extraction and posting to my account.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 22, 2014

RE: Barclaycard Arrival MasterCard account ending 9451

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

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

If you do not receive the detailed response or have additional questions, please contact our office at [redacted] My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Review: I have a US Airways Dividend Miles Mastercard issued by Barclays Bank Delaware. I recently received a mailing about my card benefits, and the last four digits of my account number were printed on the OUTSIDE of the mailing. I contacted the Office of the President of Barclays about the matter, and the company responded that there is no risk associated with them including the last four digits of my account number on mailings. I wholeheartedly disagree. The company is not protecting my privacy, which it agreed to do. I might be able to understand referencing an account number if it is included on the inside of a mailing, but there is no reason that my account number, or any part of it, should be made available for others to see and potentially use. Credit card fraud is rampant, so I don't understand why the company won't take measures to guard against it.Desired Settlement: Barclays needs to honor its agreement to protect cardmembers' privacy. The company needs to refrain from including account numbers, partial or full, on the outside of mailings for others to see. That information is for the consumer only.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 24, 2014

RE: US Airways MasterCard account ending 4112

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:

Review: Opened an Barclaycard account a year ago and it is a no annual fee card. Received a letter last week stating that I will be charged 89.00 the end of September. I have saved the letter that I received when the account was opened, it states very clearly that there is No Annual Fee. I have talked with a Barclaycard rep and nothing can be done. I feel that the letter that says NO Annual Fee should mean No Annual Fee.

[redacted]Desired Settlement: That No Annual Fee be charged to my account. [redacted]

Business

Response:

P P.O. Box 8885Wilmington, DE 19899-8885 September 29, 2015 [redacted] RE: Barclaycard Arrival Plus account ending in 3302 [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: $490.00 was deducted from my bank account on 4/22/2015 in accordance with the settlement offer made to me on 4/21/2015. The agreement stated that Barclays Bank Delaware will send notification to the credit reporting agencies to reflect the settlement. My credit report states that this account has not been closed or settled. It took one day to write up the settlement and deduct funds. Four months is adequate time for Barclays Bank Delaware to fulfill their agreement.Desired Settlement: Promptly update all the credit reporting agencies in compliance with FCRA 623(a)(2) or return my payment.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 1, 2015 [redacted] RE: Juniper MasterCard account ending 0698 [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] ext. XXXX. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Consumer

Response:

Review: I have sent mail to this company to explain my inability to pay my bill in full due to my health dealing with cancer, as a single woman who works for herself and am now trying to resolve the financial repercussions of the illness. My letters of offer were ignored and requests for cease and desist were undetected until today when I finally got the office of the president's assistant to read my letter and see my request.

In the last year, I have sent them 3 letters, and they have not honored my case and desist. I have had numerous operators call me and make arrangements and when I call back to make the arrangements they no longer honor the arrangements.

As reentry as September 18, they had offered me a settlement of $600 and I offered $459. The operator said that if I waited another 30 days that she would be in a position to come closer to what I could afford at $459. I followed up as she requested and now their settlement is $689.

I am cooperating and able to pay the $459 and was open to considering the new reduced number below $600 and closer to my $459 however it's not even a discussion anymore and all oeprators including the office of the president are saying they can't make an offer other than the $689.Desired Settlement: I'd like to get this account settled for an amount closer to the $459 as the operator on September 18 suggested. I want to additionally have delayed payment removed from my credit report as I have been in good faith trying to get this paid for the last 11 months.

Business

Response:

P.O. Box 8885

Review: I opened an account with barclaycard through the apple website. I filled out the application and submitted it and the response was you will be contacted by mail if you are approved. I received a letter stating that I was approved with certain credit limit and that my cards an pin would be mailed separately. when I finally received them in the mail on august 8 I activated the by phone. 4 days later I made a purchase with the understanding that I would have an apr of 0% for 18 month. when I received my first statement everything was correct and I made my payment on time. when I received my second statement I had a finance charge of 22.99%. I called barclaycard and the operator told me that I had 30 days from the time the account was opened to make a purchase to get the 0% promotion. he went on to tell me that when the account was approved that's when the account became open although I did not have account number, pin, charge card or any other way to use this open account. only when I received my card in the mail and activated them should be when the account becomes open. I fell like the company purposely does not send any information about your account so that when you do make a purchase they can charge you a very high interest rateDesired Settlement: I would like for the company to honnor the 18 month 0% interest offer that I thought I was getting.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 21, 2013

RE: Barclaycard Financing Visa account ending in [redacted]

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

I appreciate you taking time to speak with me on October 24, 2013. As explained during our conversation, we have issued courtesy credits for the interest charged to your account and you will see the adjustment on your next billing statement. As an additional courtesy, we have applied the Deferred Financing promotion for 12 months to the Apple purchases that posted to your account on August 13, 2013 and August 15, 2013. Please refer to your monthly billing statement for detailed information regarding this promotion.

The Terms and Conditions provided at the time of application explained Apple purchases that post to your account within 30 days of account opening could receive the following:

Purchase Amount

Deferred Interest Promotional Period

$199 - $1,999

12 months

Over $1,999

18 months

Your total Apple purchase of $1,788.68 posted to your account more than 60 days after the account was opened; therefore, the deferred interest promotional terms were not initially applied to those transactions.

We hope this clarifies matters regarding your account and addresses your concerns. Should you have additional concerns, please contact me directly at [redacted]. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Review: in I planned a trip to oahu hawaii, on the hawaiian airlines website, a friend of mine had told me about the great benefits you get when you sign up for the hawaiian miles club so after I bought the tickets I had signed up for the miles clubi was given a membership number ofabout a month later I received an email from hawaiian airlines that I could sign up for the credit card and receive 35,bonus miles for spending in the first days, and thought to myself what a great idea, I would basically get a free flight to hawaii for just using my cardupon receiving my card in jan had spent the dollars by feb but had noticed none of my points had reflected on my rewards statementi went on my trip in feb so I new I should have at least another miles in my account I called the credit card company and was told they dont have anything to do with the miles that I have to call the number for the hawaiian miles club because all they do is send over the statement of how many miles to crediti called the miles club and they said I had to call the credit card company because the miles number I put on my application was not the miles number that was on my credit card it belonged to a denis lopez, after going back and forth (becacuse I was told they dont work together) and hours on hold the credit card company told me that hawaiian miles gave them the wrong account number to be put on the cardso after a few more calls and hours later they fixed the card and the miles number onit to matchlast week I got a new card in the mail with the old miles card on it and when I called I got the same story taht I have to call and speak the the credit card company and when I call them im told that I have to call the miles clubthe last call I made I was told that my situation was being handled as a priority and would be fixed within hrs and I would get a call from either the miles club or the credit cardhere we are a week later and no callsapperantly my credits are being sent to dennis lopez not ramon lopez an no body seems to know how to fix it.Desired Settlement: I would like for hawaiian airlines and barlcays card to communicate better and solve the problem at hand I dont feel I sould be spending hours upon hours on the phone and going back and forth fix the problem and give me the miles I have earned!
Business
Response:
P.OBox
Wilmington, DE 19899-
May 9,
RE: Hawaiian Airlines MasterCard account ending
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond
We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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.mto 5:p.mET Monday through Friday

Review: First, while traveling last year, I was offered a great deal to sign up for a Master Card. It sounded like the deal of a lifetime and the additional cavaut was you got travel miles etc.When I received the renewal notice, I felt that the cost was exorbitant and sent in my payment with an enclosed note to discontinue my account. These are the major problems:1. Not only did they not close my account, they put a lot of bogus charges and did not tell me..2. I paid the renewal fee of $74.75 on May 15, 2014. 3. without charging anything I have been charged over $300.00 in a few months. 4. No one could tell me the exact amount that I owed, nor could they tell me why I owed over $300.00 plus. They kept saying it was late fees and they could remove $150.00 of the late fees all I had to do was to pay the balance. (THIS IS THE OLD OKEY- DOKE)5. I am asking for an investigation not only of this company but their business practices.6. I told them that as of 10:20 p.m. on June 30, 2015 to close this account and I would write letters for investigation. 7. How in the world can you have late charges when you have paid what they asked for renewal!!!! I have a copy of that bill and they are saying I did not pay it in full. (see second page part of e-mail they sent me.) I saved it. They cannot dispute it, it is their numbers from paying the bill at their web site. (it pays to copy and save!!)Desired Settlement: 1. Investigate this company's business practices.2. explain and Remove the bogus charges and close the account.3. stop the fraudulent business practices.I have the documentation that they were paid in full and there should not be additional charges.This is part of what the company sent me last year. I have not heard from them until now.Your reference number is [redacted]-4 AmountStatement Balance ($74.75)Pay fromNew York Community - 6834Payment dated05/15/14Account to be paid

Business

Response:

P.O. Box 8885

Review: We have wanted our due date changed to the 28th of each month. After 6 months of trying to do this they did agree on August 29, 2013. However since then they are calling and stating we have a payment due on September 7, 2013. We have the new statement and it clearly states September 28, 2013. We have been made to pay late fees over the last 6 plus months when our payments were being done on the phone on the 7th of each month, sometimes late in the evening on the 7th. Then when we get the next statement it shows a late fee of $35.00. We are tired of disputing that the payments were being made on the 7th before midnight and that no late fee should be involved. Barclay's say they fix it but they do not. We have argued over this many times and we are tired of the situation. They are rude and nasty when they call and we have only tried to get this payment changed to the 28th of the month for 6 months or more due to the fact that Robert only gets paid once a month and it is not until the 25th of each month. We are tired of fighting to get the late fees corrected, there should not have been any. We are willing to pull our phone records to prove the payments were called in on the 7th before midnight.Desired Settlement: We want any and all late fees that have been charged to us in the last 6 months to be credited to our account and the phone calls to stop since the payment is now not due until the 28th of each month beginning this month. So far this month they have called here 3 times for the payment and it is not due until the 28th of September. I believe we should get a credit to the account for each of the 3 phones calls we received so far this month. This is harassment and it needs to stop or we will get an attorney involved. I believe that they CANNOT call until the payment is late and by this statement for September, they should not be calling until after our due date of the 28th.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

September 26, 2013

RE: Juniper MasterCard account ending [redacted]

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

We regret any inconvenience you may have experienced while attempting to resolve this matter. I would first like to confirm that your statement closing date has been changed to the 28th of each month, as you requested. In addition, we have issued some courtesy credits for late payment fees. The credits will appear on your next monthly billing statement.

Our records further indicate that we previously received requests from the authorized user to have the payment due date changed. In order to make changes to your account, we need to obtain your consent. In doing so, it was not our goal to inconvenience you; rather it was to ensure that changing the due date was your intention.

While you have requested a credit for all late fees that have been assessed, unfortunately we are unable to honor this request. There were billing cycles in which we did not receive a payment or the minimum amount due was not satisfied. As explained above, we have issued some credits as courtesy. However, it was correctly explained to you that in order for your payment to be posted on the payment due, it must be processed by 7:00 p.m. ET.

In your correspondence, you also state that you received calls from us after changing your payment due date. We have confirmed our representative was incorrect in advising you that the change would be effective. We have forwarded feedback so the representative can receive the appropriate coaching.

[redacted] we strive to provide superior customer service and regret to learn we have not done so in this case. Should you have any questions, please contact me directly at [redacted] My office hours are 8:00 am to 5:00 pm, 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: On Nov. the 3rd Barclay withdrawed a 300.00 payment from my savings account I spoke with mgmt because they had already sent my account to Northstar collections agency and that's who I am dealing with, so therefore I was not suppose to be dealing with Barclay in anyway and that transcition should have been voided but it was not so, on Nov. the 5th Barclay reversed the payment back to my account but instead of labeling it Savings they labeled it Checking and the bank sent it back to Barclay, I informed Barclay of this on the 18th of November and they said it would take a another 7 to 10 business days for this issued to be resolved well I waited 7 to 10 days again and yet no reversal is present, I spoke with Barclay today 12/04/2014 and it has been 13 business days and yet no 300.00 dollars and as I asked to speak to the manager he ( Kevin) got on the phone and he was trying to be helpful and wrote up another ticket to get my money reversed but this is the third ticket I have filed and I was told it would take another 7 to 10 business days and I find this to be obsurdDesired Settlement: I would like a refund into my savings account immediately or a check sent in the mail but I want this matter resloved quickly.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 December 16, 2014 [redacted] RE: Priceline Visa account ending 6652 [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: I had a judgement against my credit and I payed the credit. They agreed to delete the judgement off my credit, yet is is still listed. I called in February and they said they would take it off my credit but they have not notified the credit companies.Desired Settlement: Take off the judgement off the credit bureaus.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 25, 2014

RE: Barclaycard with iTunes Rewards Visa account ending 7251

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

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

If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Review: I tried to make a monthly payment. They had removed one of my checking accounts that I use to pay my payments because they said it was a closed account. It took many calls and over 2 hours to get a supervisor at Barclaycard to call First Bank - the bank they removed. [redacted], a manager at First Bank told them the account had been closed in error, that it was reopened the following day, and that was over a month ago. [redacted] told the Barclaydard's supervisor that their system is NOT telling their system my bank account is closed. Therefore it is the Barclaycard system that has the incorrect information and is not allowing me to enter a bank account so I can make my payments.

So after 2 hours on the phone, and a promise that the problem would be resolved within 24 hours, I still don't have the problemsolved, I have not yet heard from any manager's at the bank, and I have asked over 4 different supervisors to have thier manager call me to get this resolved since they don't have the ability to resolve it. I have sent 6 plus messages to the bank asking for someone to call me. I have also told Barclaycard that they better not charge any late fees or any more interest on my outstanding balance until they get the problem resolved because I am being charged interest I would not be charged if I had been able to make a payment the day I tried to make a payment.

It only makes a few cents to a couple of dollars difference in what I have to pay in interest, but the late fee is substantial. If they are doing this to a lot of customers they are taking in hundreds of thousands of dollars they don't have a legal right to charge us. Please make them stop this illegal practice and fix my account. And please tell them to remove all fees they might be charging for late payments, and to remove any interest I am being charged on what would have been paid by now if I could have made my payment when I tried to make it. I will be notifying the SEC and the FTC so they can fine them even more than they have already been fined.

As I was writing this a supervisor named [redacted] called and said she had been told I needed a manager to call to talk about an interest rate problem. Are you Kidding me?????????? This proves their people are not annotating my account, and that [redacted] did not read one thing about my account before she called., neither of which are practices of peopleDesired Settlement: Barclaycard needs to fix their system so incorrect information is gone and they don't keep saying my account is closed when it has not been closed and is not closed.

backdate my payment to the day I tried to make the payment so I am not charged more interest than I should be charged.

Have them explain why their system says my account is closed when it is not.

An apology from Barclaycard for not having a manager call me.

An explanation as to why their system keeps saying my account is closed when it is NOT closed, it is open and active and they were told that directly by my bank's manager.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 December 17, 2014

[redacted] Re: Barclaycard Rewards MasterCard account ending in 0646 [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,