Barclays Bank Delaware

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: 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: 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 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: Barclaycard authorized a payment through my bank of $146.82, without my consent. When I asked them about the payment, they said that I made an online payment. I then spoke with my bank to get the money returned, they informed the bank that I authorized a payment over the phone, so we have two conflicting stories as to how the payment was authorized. Then when confronted and asked to produce a recording of me authorizing my payment, they asked me to call and check with them in a week. This continued for 3 weeks total, and today after calling was asked to give them some more time.Desired Settlement: I would like the money returned to my bank account as soon as possible.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 8, 2013

[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 recent payment on your account and would like to take the time to respond accordingly.

I attempted to contact your regarding your concerns. I regret we were unable to discuss the issue with you personally. Although we were unable to speak regarding the matter, I completed a thorough investigation of your account. We have confirmed that a payment in the amount of $146.82 was processed over the phone with an agent from our Collections department. Please allow me to further explain.

On June 5, an agent in our Collections department contacted you to discuss payment arrangements on your account. During the conversation you agreed to set up an electronic payment dated for June 28, 2013. At that time, a disclosure was read and the agent received your approval to process the payment. It was advised that if you needed to modify or cancel the payment you may do so by contacting us before June 28, 2013. Our records do not indicate that we received notice to modify or cancel the payment prior to drafting it from your checking account.

Your correspondence also mentioned that a representative you spoke with advised the payment was made online. We regret any confusion regarding how the payment was processed. We appreciate you bringing this to our attention and assure that your concerns will be forwarded to the appropriate department so feedback and coaching can be provided.

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

Review: I had an issue with a transaction through Barclay bank on the 23rd of May I called Barclay to let them know about a transaction I did not authorize. I told them my account was compromised for the amount of 350.89 for a mexican vacation travel agent. I stated that I did not know anything about this. I have not received credit for this amount and have not received a new card. Barclay wrote me a letter stating that I made a different claim on the 23rd of May and for there follow up on June 4th. But according to the Barclay card dispute policy they claim that the dispute must be submitted in writing and must be signed I have enclosed this statement of there dispute policy, please see the part in bold letters where it states it must be signed. So if Barclay has me on record for something different this is NIL and Not valid. What is valid is the letter I submitted that is signed and stated I did not know about this transaction.Desired Settlement: They need to investigate the claim that I did not authorize this and need to refund my money of $350.89

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 8, 2013

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.

Under separate cover on July 8, 2013, we sent you a detailed response of the investigation. Because you are continuing to dispute this transaction that we previously investigated, we have reported to the consumer reporting agencies that you do not agree with the results of the completed investigation. Barclaycard reports account information to the following consumer reporting agencies:

We apologize for any inconvenience this matter may have cause and regret not being able to further assist you. If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling [redacted]. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Consumer

Response:

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: I placed an order with Amazon on 11-23-2015 in the amount of 619.99. Within 1 hour I canceled that order on Amazon to change the shipping speed. A new order was placed and paid for, but this 619.99 has stayed on my card for 5 days now as a pending charge. Barclay has reduced my credit limit by 620 and won't release this pending charge. I have contacted Barclay and Amazon 3 times and each says the other needs to fix it. Amazon provided a transaction code to submit to Barclay to verify that this order is canceled. Per Amazon's email: "I am also providing you with the settlement verification code. This may be able to help your bank locate and remove the authorization in question. Here's that information:- Settlement Verification Code: 06489B". Amazon also stated in an email, which I forwarded to Barclay "As per this, I've checked your order #104-5495726-1697846 for Nikon D5200 24.1 MP CMOS Digital SLR with 18-55mm f/3.5-5.6 AF-S DX VR NIKKOR Zoom Lens (Black) (Discontinued by Manufacturer) is completely canceled. Please be assure that you haven't been charged for it, but an authorization may be visible on your account. This should be removed according to the policies of your bank. Please contact your bank to clarify how long they hold authorizations for online orders." I sent this very email to Barclay and instead of telling me their "policies for how long they hold authorizations for online orders," Barclay replied with "Upon reviewing your account, we show that the transaction in question, is

currently a pending authorization. Pending authorizations are transactions that have been removed from your available credit; however, they have not yet posted to your account balance. Once we receive the final billing from

the merchant, the amount will post to your account and be added to your current balance. We would like to inform you that merchants have up to 15 days to issue a credit to your account after a return of merchandise or cancellation of service is made." So Amazon is saying Barclay is to remove it and Barclay is saying Amazon is to remove it, and neither are resolving it, and I'm the one in the middle with a lowered credit limit while this pending transaction is in limbo. Further Barclay customer service actually told me to pay this $619.99 to Barclay. Why in the world am I supposed to pay for a transaction that was cancelled? Why would I pay Barclay for a purchase I didn't actually make?Desired Settlement: Amazon has supplied information to verify my order is canceled and they will not submit billing for the 619.99 pending charge on my Barclay credit card. I just want Barclay to cancel this pending transaction or at least give me a specific number of days that they plan on holding this transaction as pending before they come to the conclusion that Amazon is not going to withdraw this payment from my card.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885December 8, 2015[redacted]RE: Barclaycard Visa with Apple Rewards account ending 9235[redacted]Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond. We completed our investigation and sent you a detailed summary of any actions we may have taken. Please allow 7-10 days for delivery by mail. If you do not receive the summary, or have additional questions, please contact our office at [redacted] My office hours are Monday through Friday, 8:00 a.m. to 8:00 p.m. ET. Sincerely, [redacted]

Consumer

Response:

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

Review: 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: 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 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: I ordered some American gift cards through Barclay Rewardboost at which time they were offering 4x points and didn't receive credit for it (according to MyBarclayCard account tab on the RewardBoost page), even though I received credit for rewards before and after this date. This is for Amex GC orders:

11069597

11069594

11074376

The orders were for $1000, $1000, and $2000 each and I should have received 15936 points.

Thanks! Hope to hear from you soon.

-[redacted]Desired Settlement: Would like points to post.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 28, 2014

RE: Barclaycard Arrival MasterCard account ending 2804

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: My husband and I have overextended ourselves financially and as well he has been ill, hospitalized and we have fallen behind on many of our bills, especially credit card bills. Some of our creditors, especially [redacted] have been very good at working with us. Barclay card services however have not been as helpful. The persons I have spoken with read their instructions off their computers and have no way of making any decisions to help a person get caught up. I was repeatedly told last night by a manager that I did not qualify for a reduced interest rate (currently paying aprox 25%). I asked how I could qualify and was told that he did not have access to that information and no one there did. Very frustrating!!!!!Desired Settlement: I would like for this bank to have a program to reduce interest rates and set up payment plans for delinquent accounts. I understand of course that the account would be closed. This would be much better for all involved than bankruptcy!!

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 27, 2014

RE: Bluegreen Rewards MasterCard account ending 8745

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: Recently, us airways and American merged. We had a us airways miles plus credit card. We did not receive bill from them in May, June or July. I was not really concerned since I rarely used the card. Then I received an email that said we owed an amount plus late fees. I called and paid the fees. When they told me the debit I recognized it as one I had done. When I questioned why I did not receive any monthly bills, they said they received one payment which they returned because they said it was rejected. However, they could not give me any details on bank who issued check or check number so I could not track it. I insisted I did not receive any bills and they insisted they mailed them to me. This became a real problem because we are in process of remortgaging and this incident gravely hurt my credit score and our chances of getting the refinance. I believe they should have emailed me when I was late paying the first time before reporting me to government credit . Our credit has been excellent and can't believe they didn't care. I would like them to remedy this situation by repealing this complaint.

Business

Response:

P. O. Box 8885Wilmington, DE 19899-8885 August 13, 2015 [redacted] RE: AAdvantage Aviator Red MasterCard account ending 9661 [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]

Consumer

Response:

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 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 noticed this account was on my credit report around the end of 2014. Ive had issues with identity theft for some time now and this the last account on my credit report. Ive reported this account is not mine several times and disputed it several times and this company will still not budge. Ive sent in supporting evidence to the credit agencies and everything. this account is preventing me from starting to build my credit and I need it removed.Desired Settlement: take this account off of my credit reports and remove from any collection agency. I do not owe this company any money

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 14, 2015 [redacted]L RE: Barclaycard account ending in 5880 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8 a.m. to 5 p.m. PT Monday through Friday. Sincerely,

Review: I have a Barclaycard through a [redacted] Rewards program. I use my credit card and gain reward points which than can be applied to my [redacted]) student loan. Since June 2014 I have tried to redeem my rewards and get credit on my [redacted] loans. I have called [redacted] and Barclay numerous times and sent numerous emails. There has been no resolution. I have rewards pending or "in process" since 3/21/2014, 4/15/2014 and 6/11/2014. These rewards, totalling $91.18 have been pending for months and they are not being applied to my [redacted] student loan. When I call Barclay, they say that I need to call [redacted] and when I call [redacted] they say I need to call Barclay. Nobody has been able to help me and I am beginning to think that this is false advertising and that there is no way to redeem rewards on a [redacted] loan.Desired Settlement: I would like for those rewards, which are "in process" to be put back on my credit card statement as a credit. At least then I can get my rewards back and have them be used. If you check my email and calling history on this issue you will see this has been ongoing and unresolved for a very long time. I would like to be given extra rewards for the hassle. Thank you.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 9, 2015 [redacted] RE: [redacted] MasterCard account ending 0222 [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 5:00 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.