Barclays Bank Delaware

Review: I purchased two apple computers using their recommended Barclaycard. I opened this card because the first year was 0% financing. The next year, I was hit with an enormous amount of fees since I hadn't paid off the card. I called Barclay and they were nice enough to reverse the fees if I paid off my card in full. I agreed. I was told they would remove the balance from my checking account to take my account balance down to zero. In April I received notice that I had a new balance on my card. I made a payment of on April 10 and had a remaining balance. They added fees onto the final amount for a total owed balance. On May 22, I called the company and spent an hour on the phone with someone named [redacted] (Employee ID: [redacted]). She walked through all my recent payments and agreed to give me a credit if I paid the remaining balance. She assured me my account balance would be $0 on my next statement. She also assured me my account was closed so there would be no new charges. I received reference #185114445 for this transaction. I received another statement and called Barclay again on July 3 to inquire as to why there were new charges on my account. I was told that was a mistake and they had removed all the fees. They explained that once again my account balance was $0. Yet again, I received a bill. On Aug. 21 I called Barclay again and spoke to [redacted] (Employee ID: [redacted]. She claims there was an investigation opened on June 11 where they discovered I was given the incorrect amount due on my first call in January. She explained her team did not understand why their customer service representative gave me the wrong payment amount. I explained to her, even if that was the case, I had several other conversations with Barclay over the next few months, and each time I was told my account balance was zero. She claimed I still owed a balance. She said she could waive some, but the other $20 came from the incorrect payment in January and she could not waive the amount. After an hour phone call, I yet again gave them permission to take $20 out of my account so my Barclay balance would go to $0. I was given reference [redacted]

Essentially, customer service representatives on at least four different occasions assured me my account balance was zero and each time I received yet another bill in the mail. I do not own this card in person, nor have I made any charges on it since December 2011. The customer service representatives are informed, uneducated and do not understand their own financial system, as such, I continually receive bills for an account I was told I paid off eight months ago.Desired Settlement: I would like Barclay to take responsibility for providing me with the wrong information on numerous occasions. They continue to effect my credit rating because they do not understand how to properly close old accounts.

Business

Response:

P.O. Box 8885

Review: We have been Travelocity AMEX customers since 2007 and have been really happy with the card until the past year or so. Something has changed on our account and the fraud parameters have been tightened so much we are anxious about using our card at our local grocery store with the possibility it will be denied as a precaution. This started a while back and I'm not sure what changed on our account but this is the most sensitive card I have ever had. It rejects charges consistently on a monthly or twice a month basis when we are making very normal charges. I always call in and spend a lot of time retelling the story of what happened and usually after the supervisor sees that it was overly sensitive they give me some type of credit with points or waiving interests and always promise they will send my account off to be reviewed to see if the fraud parameters can be loosened so that my card is not consistently being denied and we will be able to use our card with confidence. My preference is to have the fraud parameters removed from my card completely if there is no way to tweak them or loosen them so it doesn't deny transactions. We have had our card denied at restaurants, grocery stores and other retailers. This is a very embarrassing event to have a card denied especially when at dinner with friends or family and knowing that you have 10's of thousands of dollars available on the credit line everyone gives you that look like I didn't pay my bill or something and I'm a dead beat. This also happens regularly at our local Walmart in the city we reside in. It happens there all the time. It is humiliating to have this happen so often at our local grocery store when we are just trying to buy groceries for the week. The managers and supervisors in the past have always given me credits and some type of compensation when I call in to complain about the denials and promise it will get sent off and hopefully fixed but it appears that it is not possible to fix this or it hasn't made it to the right person. I would prefer to keep my card and continue to use it as we do like the card but I am at my limit and will not continue to use it if this situation is not addressed and fixed. I don't want to have to think about if its going to be declined or not when making normal charges. We feel like we spend a lot of money on this card and spent over 100k on it last year and over 500k in the past few years. I know other banks would like to enjoy all the transaction fees that comes with this many charges. The most recent occurrence was this past Friday the 23rd at Walmart. My wife and I had a baby on the 12th and this was literally the first time my wife had left the house to get out for a few minutes and we went to Walmart while my parents watched our baby and other kids. We were just going to do some grocery shopping and pick up a few things for the baby. We spent a little over $220 which is about $50 more then we usually do but when you spend 100k a year on a card I wouldn't think anyone would bat an eye at $220 but Barclay seems to think it was a fraudulent call even after the notes on the account clearly state to let transactions go through on this account. The transaction was denied and my wife and I were embarrassed in front of the cashier and other customers waiting in line behind us. I cracked an insecure joke to make the situation light and gave them another card that processed the transaction without problem. I didn't hear anything from Barclays all night and the next morning I was trying to get the kids out to a tball game and I get an automated call asking if I authorized the transaction which of course I said I did and it said my card was active again. My first thought is if it was really a precaution for fraud why would they wait until the next day to contact me to warn me of the fraud? I didn't get a chance to call in and complain about this ongoing problem until today. I called in and spoke to a female first level response who basically sounded like a robot and stated it was a precaution and sorry for the inconvenience. I asked to speak to a supervisor because not only did I want the points from that transaction that was mistakenly denied I also wanted points or something to compensate me for the embarrassment at the grocery store, dealing with the call when trying to get out the door for the tball game and for having to call in and explain the issue with the card. I was transferred to supervisor [redacted]E and he was a robot as well who could only say he was sorry but there was nothing he could do. I told him that was a lie and that every time this has happened I have been given points and a request has been sent out to a group that would research it to try to prevent it in the future but this fell on to dead ears with [redacted] and he said some options would be, get this, "for me to call Barclays before I go to the grocery store and tell them I am going there and to please approve the grocery transaction. I thought he was joking but he wasn't so I said please think about what you are saying your asking me to call you guys before I make transactions so you guys can approve grocery chargers every week or several times a week. I told him that is not a solution. He also told me to have the merchant call Barclays at the time of the denial and that would allow them to approve the charge. Although I understand this I tried to get him to understand that after they ring up all of our items there are people ready to check out and nobody wants to wait for me to tell them to hold on so we can have it preapproved it will only take 10 to 15 minutes. That would probably get me ran out of town. I don't think either of those are real solutions as they both require me to spend unnecessarily extended times when I'm trying to buy groceries on a card I spend 100k a year on. I have asked many times to have the fraud kick in at $500 or 1k but not $200 dollars. He basically would not budge and wouldn't even give me points for the transaction that I was denied making. I requested for 5k in points as this was given to me in the past for this very same situation. Now that I have spent this much time writing this up and all the time on the phone I am requesting 50k in points to make the situation right. My true goal is to get it where my card will not deny me for normal charges and I can use it with confidence. I am going to give it till the end of the summer and if it keeps happening and nobody is going to compensate me I'll be forced to take my business elsewhere.Desired Settlement: 50k in travel points is desired for the above issue.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 12, 2014

RE: Travelocity Rewards American Express account ending 1915

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 received a promotion letter which declared 0% on balance transfer and purchase for 18 months. I applied over through internet as mentioned on letter.

I ended up receiving a credit card offering no such benefits. I believe it was a false advertisement and misled consumers.Desired Settlement: Received card which offers such benefits as mentioned on advertisement.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 1, 2014

Re: Barclaycard Rewards MasterCard Account ending in 4217

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: On numerous occasions I have informed Barclays representatives that Barclays was in violation of state of Wisconsin law - Wis. Stat. Ann. § 893.42; Wis. Stat. Ann § 893.05 – and thus also in violation of the State of Wisconsin Consumer Act (“WCA”) – for the continued reporting of a disputed account for longer than the six (6) year statute of limitations reporting period.

The state of Wisconsin (and Mississippi – the only two states in the country) follows the minority rule with regard to their states statute of limitations, holding that expiration of the statute of limitations extinguishes the right as well as the remedy. Klewer v. Cavalry Investments, LLC, No. 01-C-541-S, 2002 U.S. Dist. LEXIS 1778 at *6-*8 (W.D. Wis. Jan. 30, 2002); F[redacted] (Wis. 1945); and Wis. Stat. Ann § 893.05.

Under state of Wisconsin law, reporting or attempting to collect an extinguished, time-barred, debt violates both state of Wisconsin and federal statutes, including several provisions of the State of Wisconsin Consumer Act (“WCA”); the Fair Credit Reporting Act (“FCRA/FACTA”); and the Fair Debt Collection Practices Act (“FDCPA”). Thus, reporting such misrepresents the legal status of the debt; and state of Wisconsin and federal law bars any attempted collection or reporting of the debts in which the state of Wisconsin statute of limitations has expired. Id.

I also have notified Barclays that I have also disputed the extinguished “account” with the national credit reporting agencies more than once and Barclays verified the information – without noting that the account was disputed – in violation of state of Wisconsin and federal statutes as referenced above.

I subsequently applied for credit and was denied.

In a communication with a representative from Barclays executive offices, I was informed that Barclays is not subject to state of Wisconsin laws – either the state of Wisconsin statute of limitations laws; or state of Wisconsin consumer protection laws.

These statements are highly without merit.

Barclays conducts business in the state, collects money from consumers in the state, authorizes purchases in this state, etc.

Notwithstanding that "argument" - Barclays can certainly not claim that Barclays is not subject to federal law - including, but not limited to, 15 U.S.C. § 1681 - the Fair Credit Reporting Act, etc. - and the violations of Barclays thereunder.

Because of Barclays action, or inaction, the above violates several provisions of the State of Wisconsin Consumer Act (“WCA”); Wis. Stat. Ann. § 893.42; Wis. Stat. Ann § 893.05; the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq (“FCRA”/”FACTA”); and the tort of negligent training and supervision.

I request someone at Barclays contact me forthwith in order to resolve these matters amicably at [email protected].

Very truly, [redacted]Desired Settlement: I request someone at Barclays contact me forthwith in order to resolve these matters amicably at [redacted]

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 29, 2014

RE: Barclaycard Account ending 3406

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: Due to travelling to a Middle Eastern country (Iran), my Online account was blocked for the time of travel. That left me out of my credit card account and without the ability to get in touch with the customer service and online bill payment. This action resulted a 30 day then a 60day delinquency on my credit report. I paid the balance in full when I came back and I was able to pay the credit card. Barclay has refused to remove those delinquencies even though they were caused by them. None of my other credit cards were late at the time.

I would like the stated delinquencies to be removed from my account. Also, Barclay after that closed my credit card !!!!! Date of the issue: May-June 2012Desired Settlement: Stated reported delinquencies(May and June of 2012) to be removed from my credit report. I do not need my credit card to be re-opened.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 29, 2014

Re: Barclaycard with iTunes Rewards Visa Card account ending 0508

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: There was a credit card account opened fraudulently in my name, which I discovered back in March of 2014; however, there has been no resolution to the issue. I have contacted BarclayBank numerous times; however, they have been negligent in removing the item from my credit report. This item shows on my credit report as delinquent as of October 2014 in the amount of $283 .Desired Settlement: This account needs to be closed as fraud; removed and blocked permanently from my credit report; and a letter needs to be mailed stating that the account was opened fraudulently and closed due to such, no monies are due, and the matter has been resolved. This issue has caused severe adverse credit decisions.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 18, 2014

Re: Barclaycard Financing Visa Card account ending 7850

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: An unauthorized charge was made on my credit card on 9/18/14 for $649.15 by [redacted] at the [redacted] in Flagstaff Arizona. An unauthorized charge was made on my card around the same time in Alameda, CA at a [redacted] pharmacy for $27.45. I had said credit card in my possession in Minnesota at the time of those charges. I contacted Barclaycard regarding both charges. I was able to stop the [redacted] charge but not the [redacted] charge. I have contacted Barclaycard serveral times by phone and email. I also sent registered mail disputing the charge and have faxed them information as well. They have yet to remove the disputed charge from my card. This unauthorized charge put my card over the limit and Barclaycard reported this to the credit bureaus which has damaged my credit score. Despite them having all the information from the Merchant and myself, they have yet to correct this error.Desired Settlement: I wish the charge of $649.15 to be refunded to my credit card and I wish Barclaycard to notify all the credit bureaus that this charge was not made by me and that I did not go over the limit and wish my credit score to be returned to its previous state prior to this incident.

Business

Response:

P.O. Box 8885

Review: I keep getting e mails for another one of there clients with there account numbers. I have called them several times to cease and decease all e mails to my adress. I keep getting e mails from them in regards to somErne else's account.Desired Settlement: Stop all e mails to me! I have reported this to there fraud dept twice so far.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 27, 2015 [redacted] RE: Emails received from Barclaycard [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. In order to fully investigate your inquiry, additional information is needed. Please contact our office at [redacted] My office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,

Review: I recently moved across the country and started a new job. I had paid my Barclay credit card off but had used it for a few things once I moved to California. I then forgot about the credit card with everything going on and getting adjusted to my new life and job and getting settled in. I had forgotten to pay off the card which had UNDER $100 on it and this company has let late fees rack up on me for FOUR months and never contacted me about paying my bill ONCE!! No phone call, no letter, no anything! They have just been quietly adding $37 a month late fees rack up month after month for 4 plus months now to the tune of approx $150.00 dollars! They knew if they would've called me I would've IMMEDIATELY paid if off! That's why they didn't! They call everyone else to collect bills, why not me?!?! Thank GOD I randomly thought to double check the account today or I might not have ever found out until my bill was who knows how much!! This is an unethical collection practice that should not be happening! I am appalled such a large credit card company would be taking part in such shady business practices, especially when they already make so much money as it is!Desired Settlement: I would like a refund for $74.00 which would be two months of the late fee they charged me because I believe if they did not receive a payment for TWO MONTHS then they should've contacted me by phone, WHICH THEY HAVE ALWAYS HAD ON FILE!! AND MY PHONE NUMBER IS LISTED ONLINE IN MY ACCOUNT ONLINE SO THEY 100% HAVE IT! Also, if they are planning to charge me ANOTHER $37 dollars for February, then I would like a refund for that amount as well because again I should have been contacted. Thank you.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 10, 2015 [redacted] RE: Barclaycard Financing Visa account ending 1189 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: ON 02/05/2015 I APPLIED BY TELEPHONE FOR THE BARCLAYS BLACK VISA CARD AND MADE IT PERFECTLY CLEAR TO THE REPRESENTATIVE TAKING MY APPLICATION THAT I HAD A FRAUD ALERT ON ALL MY CREDIT REPORTS AND THAT SOMEONE WOULD NEED TO CALL ME TO VERIFY MY IDENTITY BEFORE MOVING FORWARD WITH MY APPLICATION AND REVIEWING MY PERSONAL CREDIT REPORTS. MY FICO SCORES ARE 710, 770 AND 775 AND BARCLAYS DECLINED ME INDICATING THE FOLLOWING:

a) High number of recent credit inquiries on your credit report

b) Insufficient length of credit history

c) Recently opened account(s) on your credit report

d) Low available credit on credit cards

I DO NOT HAVE A HIGH NUMBER OF RECENT CREDIT INQUIRIES ON MY CREDIT REPORT. I HAVE RECENTLY APPLIED FOR TWO (2) NEW ACCOUNTS AND I IN 15 YEARS I DO NOT CONSIDER THAT TO BE A HIGH NUMBER.

I DO NOT HAVE AN INSUFFICIENT LENGTH OF CREDIT HISTORY. BARCLAYS BANK PULLED, ACCESSED AND REVIEWED MY TRANSUNION CREDIT REPORT AND MADE THEIR COMPUTER GENERATED DECLINATION BASED ON WHAT THE COMPUTER SAID INSTEAD OF PULLING AND REVIEWING MY EXPERIAN OR MY EQUIFAX CREDIT REPORTS THAT HAVE A LOT LONGER CREDIT HISTORY. MY CREDIT DATES BACK 20 YEARS AND I HAVE NOT EVEN USED MY PERSONAL CREDIT HISTORY IN THIS TIMEFRAME BECAUSE I DID NOT NEED IT DUE TO MY HIGH INCOME AND I DO NOT OWE A DIME TO ANYONE SO WHY WOULD BARCLAYS BANK DECLINE ME WHEN IN ACTUALITY THEY ARE DEALING WITH NOT ONLY A PROFESSIONAL MD THEY ARE DEALING WITH SOMEONE THAT DID NOT HAVE TO USE CREDIT FOR OVER 15 YEARS AND MAINTAINED $00.00 BALANCES ON THEIR CREDIT REPORTS FOR THIS TIMEFRAME. I WOULD SAY THIS TYPE OF PERSON IS THE TYPE OF PERSON THAT SHOULD NOT HAVE BEEN DECLINED WHEN THEY HAVE VERY HIGH FICO SCORES AS I DO IN THE 700’S. (710, 770, AND 775)

I DO NOT CONSIDER TWO (2) RECENTLY OPENED ACCOUNTS IN A 15-YEAR PERIOD TO BE TOO MANY NEW ACCOUNTS OPENED AND FOR THIS REASON OF DECLINATION IT DOES NOT APPLY TO ME AND BARCLAYS NEEDS TO UPDATE THEIR GENERIC DECLINATION LETTER SO THAT IT SO RELATES TO A CONSUMER INDIVIDUALLY AND NOT ON A RANDOM BASIS. I FIND BARCLAYS BANK TO BE OBSERD IN THEIR DECLINATION AND IN THEIR APPLICATION PROCESS.

HERE’S THE KICKER: BARCLAYS BANK HAD THE EXTREME ODASITY TO INDICATE THAT I HAVE LOW AVAILABLE CREDIT ON MY CREDIT CARDS. WRONG AGAIN BARCLAYS BANK. I HAVE ACCOUNTS OPEN AND I HAVE ALL OF MY CREDIT LIMIT AVAILABLE. I DO NOT OWE ANYONE A [redacted] DIME SO HOW THE HECK DOES BARCLAYS BANK GET OFF EVEN MAKING THIS STATEMENT WHEN THEY ARE NOT EVEN REVIEWING THE CREDIT REPORT IN FRONT OF THEM. THEY ARE RELYING ON A COMPUTER SO AGAIN, YOU ARE WRONG BARCLAYS BANK. I HAVE NOTHING BUT $00.00 BALANCES ON ALL MY ACCOUNTS, I DO OT OWE ANYONE A THING. I EARN WELL OVER $3.5M PER YEAR IN MY OWN PRIVATE AND PROFESSIONAL PSYCHIATRIC BUSINESS AND I AM EXTREMELY UPSET, APOLLED AT THE DECISION OF BARCLAYS BANK AND I PERSONALLY FEEL THEY DISCRIMINATED AGAINST ME. I SHOULD HAVE BEEN APPROVED FOR THE BARCLAYS BLACK VISA AND SOMEONE WITHIN BARCLAYS BANK CREDIT DEPARTMENT SHOULD HAVE CALLED ME TO VERIFY THE APPLICATION TO MAKE SURE THAT IT WAS SUBMITTED BY ME. INSTEAD THEY WASTED MY TIME DOING ABSOLUTELY NOTHING BUT HAVING A FAULTY WEBSITE THAT NEVER UPDATES AND TELLS YOU ANYTHING, TO END UP DOING NOTHING BUT DECLINING ME AFTER WAITING THIRTY (30) DAYS. I AM BEYOND PISSED OFF ABOUT THIS AND I WANT THE DECISION REVERSED AND MY APPLICATION APPROVED, AND THE WRONGFUL INQUIRY ON TRANSUNION REMOVED.

VIOLATION OF MY CIVIL RIGHTS – FAILURE TO ACT UPON MY FRAUD ALERT ON MY PERSONAL TRANSUNION CREDIT REPORT – BARCLAYS BANK FAILED TO CONTACT ME AND VERIFY MY IDENTITY AND IF THEY WOULD HAVE PAID ATTENTION TO THE CREDIT REPORT THEY PULLED AT TRANSUNION THEY WOULD HAVE SEEN MY TELEPHONE NUMBERS ON THE SCREEN TO CALL ME IMMEDIATELY BEFORE OPENING ANY ACCOUNTS IN MY NAME OR REVIEWING MY PERSONAL CREDIT REPORTS. INSTEAD, THEY COMPLETELY IGNORED THE FRAUD ALERT TELEPHONE NUMBERS AND NEVER CALLED ME AT ALL, AND THEN TURNED AROUND AND DID NOTHING BUT DECLINE MY APPLICATION. THIS IS A VIOLATION OF MY CIVIL RIGHTS AND EVERYTHING THE FEDERAL TRADE COMMISSION STANDS FOR.

I SHOULD HAVE NOT BEEN DECLINED. I DESERVED TO BE APPROVED. THERE ARE TONS OF CONSUMERS IN THE UNITED STATES THAT CANNOT OR DO NOT MAINTAIN A CREDIT SCORE OF 700 OR HIGHER. HERE I AM WITH 710, 770, AND 775 FICO SCORES AND I AM BEING DECLINED FOR A CREDIT CARD WITH BARCLAYS BANK DELAWARE THAT I CAN AFFORD. I HAVE NEVER BEEN SO [redacted] UPSET IN ALL MY LIFE; AND THIS IS AN EXAMPLE OF THE REASON(S) WHY I CHOSE FOR THE LAST 15 YEARS NOT TO CONTINUE APPLYING FOR CREDIT, OPENING ACCOUNTS OR USING CREDIT BECAUSE I AM SICK OF THE CREDIT GAME, THE COMPUTER GENERATED REVIEWS OF YOUR CREDIT, AND BANKS LIKE BARCLAYS BANK THAT RELY SOLELY ON INFORMATION OBTAINED IN CREDIT REPORTING AGENCIES WITHOUT REVIEWING THE INFORMATION AND VALIDATING IT OR EVEN COMPARING IT WITH OTHER CREDIT REPORTING AGENCIES BEFORE ALLOWING A [redacted] COMPUTER TO MAKE A DECISION THAT A HUMAN BEING SHOULD BE MAKING!!!!!!!!!!!!!! I WANT MY APPLICATION REVIEWED BY A HUMAN BEING AND I WANT MY APPLICATION APPROVED. IT’S AS SIMPLE AS THAT.

WHAT’S THE POINT IN HAVING A STRONG FINANCIAL BACKGROUND, NO DEBT, AND SUCCESSFUL LIFE AS A PSYCHOTHERAPIST, NOT HAVING TO WORRY OR BE CONCERNED ABOUT DEBT, MAINTAINING EXCELLENT CREDIT SCORES, KEEP EVERYONE PAID IN FULL FOR OVER 15 YEARS TO FINALLY TURNAROUND AND APPLY FOR THE BARCLAYS BLACK VISA CARD TO BE IGNORED BASICLY AND TURNED DOWN FOR A CREDIT CARD I KNOW I SHOULD HAVE RECEIVED AND BEEN APPROVED FOR????? I KNOW WHAT I CAN AFFORD. I KNOW I SHOULD HAVE BEEN APPROVED AND NOT ONLY WAS I VIOLATED BY MY CIVIL RIGHTS TAKEN ADVANTAGE OF, I WAS PREJUDICIALLY DECLINED WHEN MY FICO SCORES MERITED THE APPROVAL FOR THE CREDIT CARD I APPLIED FOR WITH BARCLAYS BANK.Desired Settlement: I WANT MY APPLICATION RE-EVALUATED AND I WANT TO BE APPROVED FOR THE BARCLAYS BLACK VISA CARD THAT I APPLIED FOR. I WANT THE WRONGFUL REVIEW OF MY CREDIT REPORT WITH TRANSUNION (AND ALL OTHER CREDIT BUREAUS) REMOVED AND DELETED IMMEDIATELY. BARCLAYS’ BANK DOES NOT HAVE THE RIGHT TO OVERLOOK, IGNORE AND OUTRIGHT ACT AS THOUGH A FRAUD ALERT ON MY CREDIT REPORT WAS NOT IN THEIR FACES AT THE TIME THAT BARCLAYS BANK REVIEWED MY TRANSUNION CREDIT REPORT. SOMEONE FROM BARCLAYS BANK SHOULD HAVE CALLED ME TO VERIFY THAT I SUBMITTED THE APPLICATION. I WANT MY APPROVAL PERIOD OR I WILL CONTINUE TO MAKE COMPLAINTS AGAINST BARCLAYS BANK FOR WHAT THEY HAVE DONE IN PULLING, REVIEWING AND ACCESSING MY PERSONAL CREDIT REPORT TO DO NOTHING BUT DECLINE ME FOR NO REASON. I AM LIVID ABOUT THIS AND I WILL NOT STOP UNTIL SOMEONE IN THE CORPORATE OFFICE IS LISTENING!!

WHAT YOU HAVE DONE HERE BARCLAYS BANK IS WRONG AND SOMEONE IN YOUR CORPORATE OFFICE NEEDS TO FIX THIS SITUATION IMMEDIATELY. I WANT TO BE APPROVED AND I WANT YOU TO CONTACT TRANSUNION AND REMOVE YOUR WRONG INQUIRY REVIEW OF MY CREDIT HISTORY. INSTEAD OF RELYING ON JUST TRANSUNION YOU SHOULD HAVE REVIEWED AT LEAST EXPERIAN BEFORE DECLINING ME THIS WAY.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 30, 2015 [redacted] RE: Visa Black Card Application [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Consumer

Response:

Review: For the past three weeks I have been unable to view current activity on my credit card. I was told on March 9 that it would take 72 hours to resolve the problem. I called again on March 14, with no resolution. I contacted them throught FAcebook Messenger and Twitter, still no resolution. I would like to be able to view my card activity to ensure that the charges are accurate, before a billing cycle is completed.Desired Settlement: I would like for them to fix the website. Make my current activity available, like it used to be.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 April 13, 2015 [redacted] RE: NFL Extra Points Program Visa account ending 1034 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: I have a nfl visa account. I scheduled a payment of 47.04 on 10/16/2015 through my checking account at my credit union. On Monday 10/20/2015 I was notified by my bank that the payment was submitted through my savings account. I was charged a 25.00 fee by my bank. I called Barclay and they confirmed the numbers from the payment matched those on my check. After visiting my bank I was informed that they have no control over how the merchants submits the payment and I needed to contact Barclay and tell them to be sure to submit it as checking not savings. I made a total of 4 calls to Barclay. The call center in India is no help and when asked to speak to a supervisor I was put on hold for 45 minutes. Yesterday 10/20/2015 I was told by the rep that they would remove that checking information. I went in today to make a payment by debit card and they have charged me a 25.00 nsf fee and resubmitted the payment. They have repeatedly lied to me and have been no help.Desired Settlement: I want all fees waived. I do not want to be reported to the credit bureaus as late. I want to speak to someone in this country who speaks English and will stop submitting the payment incorrectly and lying to me about it.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885October 30, 2015

[redacted]RE: NFL Extra Points Program Visa account ending in 1877[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,

Review: On September 4, 2013 I called Barclay's to alert them that a double payment had been inadvertently made to pay off my account electronically from Wells Fargo, my bank. Wells Fargo strongly suggested that I contact Barclay's to request the refund of the double payment because the process would be much quicker. they had the money in hand. Wells Fargo did not. I was first told by the representative that the problem would be taken care of in 3-5 business dyas by putting that money back in my bank account at Wells Fargo electronically. I kept waiting for the payment to show up in my account and when it didn't I called Barclay's back. They played back the tape and agreed that the representative had given me misinformation. A refund check would need to be sent. However, they only process refund checks on Tuesdays and then there is 5 business days processing time to mail the check, then 7-10 business days for the check to arrive. After 3 weeks I called to tell Barclay's I had still not received my check. It had been 7 business days so I waited the additional 3 business days. Still no check. When I spoke to several representatives and supervisors about this problem they said they were not responsible for the US postal service. they told me if I did not receive the check by last Thursday, September 26th, that I could call and they would stop pay the check. However, the check would have to be reissued in the same fashion it was originally with the same long wait times. I asked if they could expedite a check or send it in a manner that required a signature and they repeatedly told me they would not do anything except follow the same procedure and that they would only send checks through "regular mail." I explained to them I needed the money to pay my bills, and they didn't care. Too bad. I asked if the funds could be put back on my card and a cash advance issued at no charge. No they could not do that either. They did say they could put the credit back on my card for me to spend however. I do not want to spend the money, I just want to pay my bills It is 1022.00 and some change. I decided to wait extra time for the check to arrive to allow for postal service delays. As of today I still have not received my check. If I call Barclay's back I may not receive my check for another month and I cannot afford this delay. I need my money back. I will never deal with this bank again.Desired Settlement: I would like Barclay's to re-issue the refund check and send it to me in an expedited manner. I do not accept being without my money for another month because of their refusal to process this check in a more timely fashion. I would like to have the check sent to me so that it can be tracked and not lost in the mail.

Business

Response:

P. O. Box 8885

Wilmington, DE 19899-8885

November 15, 2013

RE: Barclaycard Financing 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 issuance of a credit balance refund and would like to take this opportunity to respond accordingly.

I would first like to thank you for taking the time to speak with me regarding this matter. On October 21, 2013 we confirmed that you received your credit balance refund check on October 19, 2013. We apologize for any inconvenience you experienced in having the credit balance refunded to you, and that your concerns were not successfully resolved during your initial discussions with our Customer Service Department. Please be assured that appropriate feedback has been provided.

We hope this clarifies matters and resolves your concerns. If you have further 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:

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

Review: Barclays is inaccurately reporting an authorized user and request was made of phone to removed the reported user by a fax stating the removal. Was told I had to write a letter my mail requesting the removal of disputed authorized user. No fax or phone number to call. This is port business practice and if the letter even reached the correct person there is not reliable way of confirmation of what was being requested. No assistance by phone other than being given the address to send the letter. I have never experience such archaic way of doing business in this day and age. I plan to close my accounts as soon as I can do so.Desired Settlement: Get a faxed letter of request to me or email to me of request

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 9, 2014

Re: Barclaycard Arrival MasterCard account ending in 4253

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

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

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

Consumer

Response:

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 disputed a charge on my card I never made and Juniper says I did. At the time of the charge (7/9/13) I was incapacitated (in a hospital bed) by a car accident a few weeks before. I have not used the card in several months since I got the balance to zero dollars and tried to close the account.Juniper /wouldn't/didn't allow me to close the account when I asked, but changed the number of the account and sent a new card.. this account has HAS NEVER BEEN ACTIVATED, Yet charges are still showing on that account, (not activated) and charges I never made which Juniper will not remove. Desired Settlement: I want the account closed, never hear from Juniper again and refund of charges made on my credit card by JUNIPER.. not me..CLOSE ACCOUNT

Review: On June 26th, 2013 I went online to the Juniper site and I transferred the balance from my [redacted] to my Juniper credit card. I did this because Juniper (a subsidiary of Barclays Basnk in Deleware) was offering zero percent interest until Dec 2014. Around the beginning of July I checked balances and found that Juniper did transfer my balance but had not paid off my [redacted] balance. I called their customer service many many times over the last several months and have only received Case numbers. Oh, and yes, they said I received a check and I "cashed" it. That is absolutely not true. I have attached what they sent me thru the mail. Someone wrote "for deposit only" so not sure how they come off saying it was cashed by me. This is unacceptable. I took the copy of the check they sent me to my bank manager . When she saw the check she immediately knew that it did come thru her bank and that no one had endorsed it. I now have 2 balances on one credit card paying two payments 1 to Juniper and 1 to [redacted] - Is there NO JUSTICE?Desired Settlement: I would like to see the check that I have been charged with cashing and would like to have the payment that I sent to Juniper on August 12th "under duress" returned to me.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 21, 2013

This letter is in response to your recent correspondence sent to Barclays Bank Delaware (‘Barclaycard’) from the Consumer Financial Protection Bureau and the Revdex.com of Delaware. We understand your concerns regarding a balance transfer request and would like to take this opportunity to respond accordingly.

Upon receipt of your initial correspondence on August 9, 2013 I attempted to contact but was unsuccessful. Subsequently, you returned my telephone call to provide an update. I was pleased to learn that [redacted] was able to locate the payment made from Barclaycard on your behalf and have this previously cashed payment applied to your [redacted] account.

I trust the outcome satisfactorily resolves your concerns. Should you have any 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.

Review: I went on a cruise with Carnival Victory from September 21 - 26th. On the last day I went to collect my free gift and the person who was sitting at the desk asked me to fill out a form to receive correspondence and emails. During filling out the form there wass a section on there asking for my social security number. I was very uncomfortable to put that information on the form. I specifically asked him why he needs that information and he assured me that it is only for correspondence. On October 3rd I was looking through my mail and saw a letter from Credit card services in regards to a credit card application which I did. I called the number on the letter and was told that it was done through Carnival Victory. I had such a great time on the Cruise and to no that someone used my information to applied for a credit card which I have no idea about is very disturbing. This or these individuals needs to be dealt with. I need this to be taken off my credit report immediately as an inquiry, which I no will affect my credit score as well. These individuals needs to be stopped!Desired Settlement: Yes. I need this to be resolved as soon as possible. I also need someone from the Carnival Victory Cruise to contact me as soon as possible to resolve this and I also need the person that submit that application ensured that it removed from my credit inquires and score.Thanks.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 25, 2013

RE: Carnival MasterCard with FunPoints Application

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Revdex.com. We understand your concerns regarding the Carnival MasterCard with FunPoints application and would like to take this opportunity to respond.

Our records show that you completed an application for a Carnival World MasterCard with FunPoints account on the Carnival Victory Cruise on September 23, 2013. The gift that you referenced was associated with the application that you submitted. The Terms and Conditions provided with the application stated that you agree that Barclays has the right to obtain a current credit report in connection with our review of your application. To ensure the protection of sensitive personal data, the paper application was shredded after the application information was entered into our system for processing. Unfortunately, the application was unable to be approved.

We apologize for any inconvenience you experienced regarding this matter. Based on our review we are unable to accommodate your request to remove the inquiry from your credit report.

If you have additional questions, please contact me directly. I can be reached by calling [redacted] between the hours of 8:00 a.m. and 5:00 p.m., ET, Monday through Friday.

Review: I KNOW I OWE BARCLAYS FOR MY JUNIPER CREDIT CARD. HOWEVER I CALLED THE 800 NUMBER ON NOV 29TH,2013 TO SET UP A PAYMENT ARRAIGNMENT AND I WAS SIMPLY TOLD I NEEDED TO PAY 129.67 BEFORE THEY COULD SET ANYTHING UP. THE GUY I SPOKE WITH UPSET ME VERY MUCH AND TOLD ME THERE WAS NOTHING HE COULD DO UNTIL I PAID THE 129.67.I EXPLAINED TO HIM I WAS UNABLE TO PAY ANYTHING RIGHT NOW BUT HOWEVER I WOULD TRY TO PAY THE BALANCE BY DEC 13 MY DUE DATE. HE REFUSED TO HELP ME AND WAS RUDE TO ME SO HOWEVER I TOLD HIM I WOULDNT PAY ANYTHING IF HE WAS GOING TO BE THIS WAY.LIKE I SAID I KNOW I OEW THE BILL WHICH IS NO PROBLEM I DO PAY MY BILLS AND I HAVE NOTICED THEY HAVE ALREADY BILLED ME FOR DECEMBER2013 ND ITS NOT EVEN DEC YET.I JUST WANT THIS COMPANY TO WORK WITH ME SO I CAN MAKE A SCHEDULE PAYMENT THAT I CAN AFFORD,AND NOT BE SO RUDE THIS IS NOT HOW YOU ARE SUPPOSED TO TREAT CUSTOMERS.Desired Settlement: I JUST WANT TO SETTLE THIS ACCOUNT AND AS AFR AS I KNOW THEY SHOULDBT OR CANT REFUSE ANY PAYMENT AND THIS IS WHAT HAS HAPPENED.I WAS GOING TO TRY THE MIN DUE BY THE DUE DATE IN DECEMBER2103 AND ALL THAT IS DUE RIGHT NOW SHOULD HAVE BEEN 51.14 AND THEY COULD HAVE WORKED WITH ME. SOME OF THESE PEOPLE ARE VERY RUDE TO THEIR CUSTOMERS AND IF ITS GOING TO BE THIS WAY THEY NEED TO PAY MY ACCOUNT FOR ME AND I DO NOT WANT TO BE CONTACTED!!

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 17, 2013

RE: Juniper MasterCard 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 current payment status of your account and would like to take the opportunity to respond accordingly.

Our records indicate you were offered a rate reduction program which does require a minimum payment $129.67 to enroll. Should you wish to accept the offer, we encourage you to contact our Collections Department at 866-408-4070 prior to making payment to confirm the availability as the terms may change. Unfortunately, we have no other payment programs available on your account at this time.

With respect to the service you indicated you received, we have reviewed the interactions and feel the representatives acted in a courteous and professional manner; however, we do apologize that we were unable to meet your servicing expectations.

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.

Review: I went to there website to apply for an account. The offer that was made on there own website promised 0% interest on balance transfer and purchases for 6 months with no transaction fees. At no time during the application process was I told that the terms of the offer had changed. I was approved for the card. I received it in the mail. Called to make my balance transfer and was told the Apr would actually be 24.9 %. I asked why since I was approved for a card with 0% interest and no transaction fee. I was told they changed the card and mailed me a different product. They did offer to honor the balance t transfer but only if I agreed to pay a transaction fee. I then wrote an email to the company asking why this happened. A rep contacted me and told me this didn't happen and said the first two reps I spoke to made a mistake in telling me what actually happened. He then went on to tell me that the offer I was referring to didn't exist. I emailed him both a link and a screen shot from there own website that showed the offer did exist and it was still an active offer on there website. He then changed his story to now say that I must have clicked a different llink and he doesn't know why the offer wasn't added to my account. It was a classic bait and switch advertising.Desired Settlement: I would like the account closed and all information on my credit file be removed. This is to include the inquiry and any reporting of opening or closing the account. I would simply ask to part company and move forward as if I NEVER got into any business dealings with this company.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 20, 2013

RE: Barclaycard Rewards MasterCard account 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: I opened my Hawaiian Airlines Barclay card on 1/1/14 via online. I received my card 1/11/14. I called to activate the card & was told there was a balance of $1212.60. I called 866.250.2878 to report identity theft, as I have not used or authorized a transaction to my card. The card is now closed. I was first told by a Barclay associate that Charge was made by Hawaiian Airlines. I was put on hold so the associate could discuss with a manager, "since this happened the day you opened the account." The associate got back on the line & told me that I would have to call Hawaiian Airlines. I was told they could not help me. I asked for the fraud dept 3 times, then a manager. I was put on hold, then spoke to someone named [redacted]? - who told me the same thing-- call Hawaiian Airlines. I hung up the phone & called- only to learn they were closed. Ha Airlines is only open M-F.

I called Barclay back in tears. I talked to a very nice man who told me he would send my complaint to the fraud department for investigation. I explained the first associate refused to listen to me. I am a victim of an unauthorized charge.

I called Hawaiian Airlines today. They pulled up my mileage number and show no booked travel. I asked if they could pull 1/1/14 transaction & was told no. They told me to contact my credit card/bank... So I contacted Barclay again. I was told this time that the appropriate paperwork would be filled out for me. I was told of the fraud dept needed anything, they would call me. I was also told that it could take 90 says for the charge to be resolved- after an investigation.

I have no idea what the charge is for. I have not purchased anything from Hawaiian Airlines. I just got this card on Saturday. I feel like I am getting the "run around" by both companies.

I also notified the Credit Bureau to put an allert for identify theft in my card.

I signed up for this Barclay Card bc I wanted to take advantage of the $35k mile promo. It has now brought me nothing but fear my information has been comprised and doubting you have employees that know what they are doing.Desired Settlement: I want the 1212.60 removed immediately from my account. I want Hawaiian Airlines to stop whatever the charge was for. Nobody needs to travel on my behalf, it's FRAUD.

The employee and manager who told me to call the airlines need education in customer service and resolving conflict. Praise the two people I spoke with after for showing me compassion & actually listening.

I want something in writing that the account will be cleared of this charge. Please make this right. I want assurance that it will Not take 90 days but ASAP. Feeling very frustrated- instead of my initial excitement over this card.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 27, 2014

RE: Hawaiian Airlines MasterCard account ending in 2495

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

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

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

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