Barclays Bank Delaware

Review: US Airways makes promises they cannot keep. I was promised the benefit of "miles" if I opened a credit card account. What makes matters worse is that my husband and I each pay almost $100 for an annual fee. When trying to redeem miles, I received what I can only say as the worst possible service ever! My husband and I were charged over $300 for services never received that they couldn't provide even though they were "promised". When calling about issues, I get put on hold for nearly 2.5 HOURS only to be told via message that they can't take the call at that time. Tonight I was put on hold for almost 1.5 HOURS only to be demeaned by "Susan". She didn't care about my issue nor did she care that she was representing a company they merged with recently (American Airlines). DON'T SIGN UP FOR THEIR "SPECIAL CREDIT CARD OFFERS". THEY WILL NOT PROVIDE WHAT THEY PROMISE YOU AND IT WILL END UP COSTING YOU A LOT OF TIME. THIS "DEAL" THEY PROPOSE WILL END UP COSTING YOU MONEY! SCAM ALERT FOR SURE!!!!!!!!!!!!!!!!!!

Product_Or_Service: milesDesired Settlement: DesiredSettlementID: Refund

I am expecting both myself and my husband to receive a credit of $156.85

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 June 12, 2015 [redacted] Re: AAdvantage Aviator Red MasterCard account ending in 9611 [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 decided to pay a chunk of my credit card amount ($1,200.00) from my personal checking account. This is a lot of money for me to expense at one time. I made this using the online service. The next day I checked my personal checking account to find that Barclays bank debited $1,200 twice, totaling $2,200.00. I do not keep this kind of balance in my checking account, or any account at that matter. This error on Barclays Bank over drew my account and created a domino effect on the rest of my financial obligations. I spoke with an account manager with the name Ryan but he was Very unwilling to help me with this matter. I believe the is an issue with there on line service or there system has bin hacks and a virus is at work. Customer service was unwilling to find a solution to getting back the $1,200 I did not authorize them to debit from my account. I feel the Back has stolen directly from me, as a thief would steal the wallet out of my pocket. I am beside myself and have to pay late fees which my also effect my credit score I am tying to rebuild. Attention to this matter would be greatly appreceatedDesired Settlement: receive my stolen money back!

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 8, 2015 [redacted] RE: Juniper Platinum MasterCard account ending in 1114 [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]

I have a US Airways CC with Barkley's Bank. Their system is coded incorrectly when credits are processed and deducts miles from my US Airways account when it should add them. I have been trying to get this error fixed for 2 CC cyles and can not get anyone to fix an obvious system error. I have had 15+ calls into customer service. They clearly and very obviously can not be bothered to service customers. They are disinterested, misinformed and unknowledgeable.

Review: I have a issue and I am very upset with this company, last year august 2012 I took this airline the air hostess did an announcement about applying for a credit card she said the only thing we had to do was fill out a piece of paper and give it back to her,which I did I got home from my vacation and received the credit card I open the envelop realized that I have to pay a annual fee I called immediately and ask for them to credit card to be cancelled she said that they are going to waived the fees, so I said fine because I don't need no credit card with no fee which she did I pacifically told her I don't need a credit that have a annual fee I taught everything was fine I called there today and spoke wit one of there Representative which was very rude [redacted] from the retention team,he told me that last year she did me a favor and waived the fees so I have to pay the $89.00 annual fee it is not the money but the principle on hoe this people want to deceived the public also her told me that the only thing he could do is close the account, so I have to pay the fee-but remember I call and told her that I don't want no credit card with a annual fee and [redacted] close the account and then and because open it back,up without my knowledge the only way I know I callback and a different Representative told me that he realized I reopen up my account with I didn't that is [redacted] but but he said I can apply for a different credit card that has no annual fees what they didn't tell me this when I called last year so I could make that discussion then so I want to know why didn't I get that opportunity them and wait until now to inform me about it and want me to pay a 89 dollars annual fee and they have other option and then [redacted] your Representative told me that it wasn't no one else wasn't in the office abut him I told him that I am going to call back and if someone else answer I am going to file a report and I did and yes he wasnt the only one in the office and reopen my account without my sayinDesired Settlement: [redacted] and and your staff need to stop telling the public wrong and stop mislead poor people why did [redacted] close my account and reopen it because I told him that I am going to file a report against then I don't want to pay no annually fees when they have credit without fees I am not going to pay a credit card with no annual fee

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 23, 2013

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

I attempted to contact you regarding your concerns but was unable to reach you. Since I did not have an opportunity to discuss the matter with you personally, please allow me to provide the results of our investigation below.

In August 2012, you submitted an in flight application for a US Airways MasterCard. The Terms and Conditions provided with the application explained the account had an $89.00 dollar annual fee. In September 2012, you contacted our Customer Care department and spoke with a representative that waived the fee for the first year so that you could determine if the card was something you would like to continue using. You agreed and the agent confirmed this adjustment would be for the first year only.

We mailed a notice regarding this year’s annual fee and you contacted us to advise that you did not want to pay the fee. The representative explained that we were unable to provide another waiver or modify your account to have no annual fee. During that conversation, the agent inadvertently closed your account in error. We regret any confusion that may have caused and we confirmed your account is currently open. As a result of adjustments that were made while researching your inquiry, your annual fee for 2013 will now be billed in October. If you determine the account benefits are not of value to you, you may close your account to avoid the billing of that fee.

We hope this information clarifies matters regarding your account. 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.

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'm sick and tired of the credit card offers coming to my house. I get 2 a week and they follow me every where I go. I've emailed 3 separate email address and I still keep getting the damn offers. I keep sending the offers back and damn if they don't just return the one I sent back. This has to stop. I no way shape fashion or form would I ever bank with this company. Or give them my personal information. This has gotten to the level of pure harassment and I'm sick or it.Desired Settlement: Proof that these offers will not ever be sent to me again. I want something in writing that's how tired I am of this.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 5, 2015

Re: Marketing Solicitations from Barclays Bank Delaware

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

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

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

Sincerely,

Consumer

Response:

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: The minimum payment due is on 7th and I paid it on time as of the date but the payment has been entered default on 8th and been incurred penalties. I requested the customer service for refund but they maintain that the payment has to be paid before 7:00 PM which has not been informed earlier.Desired Settlement: Settlement

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 25, 2015 [redacted] RE: Barclaycard Vis account ending in 8692 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Consumer

Response:

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 has failed to comply with original creditor verification request showing obligation to pay valid debt and right to demand payment for correctly charged debt in violation of FCBA requirements. For three years, Barclays has reported negative trade line to credit reporting agencies (CRAs) pertaining to an alleged debt an interest associated with a $25.94 charge from Columbia House when the goods from Columbia House were returned and the charge should have been removed.

Barclays illegal reporting to the CRAs constitute violations of FDCPA § 807. False or misleading representations [15 USC 1692e] and § 808. Unfair practices [15 USC 1692f]. Costs have incurred over attempts to correct negative credit and damages arising from costs due to higher mortgage interest rates, line of credit and credit limits continue to accrue due to the malfeasance of this creditor and their failure to correct.Desired Settlement: Payment of damages, costs, attorney fees and removal of negative trade line along with an apology.

Business

Response:

P.O. Box 8885

Review: I applied for a credit card. Barclay MasterCard made me an offer for a card with a $3500 credit limit with a 18.99% interest rate. The advertisement said they offer rates from 14.99% to 18.99%. I wrote them and told them that I do not except their offer. But that I would entertain an offer with a lower interest rate. They wrote back saying that was the best they could do. I wrote back and told them I do not except the offer of 18.99% then they responded that if I wanted to cancel my account I would need to respond to their message. I responded by reminding them that I have not activated their card nor have I signed anything. In fact I denied their offer within hours of them making it. I do not feel that this should be a mark on my credit because they refused to negotiate with someone that has an over 720 point credit rating for a better offer than 18.99% I also don't appreciate their pressure tactics in insisting that I need to cancel an account with them that I never excepted.Desired Settlement: I would like a letter stating that they will not be making a mark on my credit of a canceled card that I never excepted an offer for.

Thank you for any help that you can offer me.

signed [redacted]

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 20, 2013

RE: Barclaycard Arrival 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: On nov 6 I called barclays ( usairwaysmastercard) about yearly fee. I was told on the call that if I spent money in next 48 hr they would refund the fee back to my account. ID of person taking call was FPAMCA and then transferred to ID TS2PRB . I called back in regards to the refund on nov 25 and spoke with [redacted] and was told that they would not adhere to agreement. I then paid account off I full and told them I can not do business with companies not living up to contract. I just called agin to get all of the operator ID who suggest ed they would rend the service fee.Desired Settlement: Refund yearly service fee and close account. your employee [redacted] was very clear on how you treat clients.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 6, 2014

RE: US Airways MasterCard 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 and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a response of the investigation and actions taken to bring closure to this situation.

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

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

Review: I have been a cardholder since 2012 and had never been late on a credit card payment. I recently paid off my account balance in June 2014 and carried zero balance. Soon after paying my account in full I learned that in early July without my knowledge this company closed my account. It seems to be recurring theme that this company chooses to close customers accounts when balance is zero and there are many other former customers like myself (see www.consumeraffaris.com) Its their decision to close the account but I did not get one phone call or letter in mail explaining this. Very sneaky and not very transparent. I called customer service on July 22 2014 and she could not say anything to me other than I could re-apply for credit if I wanted. Are you kidding me? Anyways perhaps most importantly I realized that they must have checked my credit score without authorization - that's a big no no and I am consulting attorney for possible lawsuit. In fact they have a FICO free score calculator when you sign in to your account and they make you think that you are getting a free credit score check but instead they using the credit score check for the basis of making credit decisions and closing accounts. Again very sneaky unethical business practice!Desired Settlement: I'd like to settle this without filing a lawsuit and invovling the attorney generals office.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 28, 2014

RE: Barclaycard Financing Visa account ending 6154

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 8/7/14, I received a phone call with a voice message from [redacted] at 301pm that lasted 1 minute 10 seconds stating a fraud alert has been placed on my Barclay Card World Mastercard. The caller said they are from the fraud department and that a temporary hold has been placed on my account and that I can check my account at barclaycardus.com. The caller also stated I can call [redacted] for more assistance.

Problem: This [redacted] phone number showed up as being in China, a country known for counterfeiting everything. I don't know anything about Barclay Card, their website, or this credit card. I immediately want copies of any and all documents by mail only showing this fraudulent activity, including the credit card application and what was purchased. If the Revdex.com finds that Barclay Card is a fraud, change the rating from A to an F and tell this company to stop calling me. FYI: I also had received a phone call from 208-758-0625 on 8/7/14 at 2:57pm, and when I searched Revdex.com.org, it belongs to a job company that has an F rating. I don't know if these two calls are related since they called so close together. However, my phone number is on the US Do Not Call list. Therefore, I should not be receiving any telemarketing calls.Desired Settlement: I immediately want copies of any and all documents by mail only showing this fraudulent activity, including the credit card application and what was purchased. If the Revdex.com finds that Barclay Card is a fraud, change the rating from A to an F and tell this company to stop calling me. FYI: I also had received a phone call from [redacted] on 8/7/14 at 2:57pm, and when I searched Revdex.com.org, it belongs to a job company that has an F rating. I don't know if these two calls are related since they called so close together. However, my phone number is on the US Do Not Call list. Therefore, I should not be receiving any telemarketing calls.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 18, 2014

RE: Correspondence forwarded from the Revdex.com

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.

Consumer

Response:

Review: I received an offer in the mail for 0% APR on a credit card for 18 months. I sent in all the paperwork requested in order to sign up. I noticed on my last bill that I was being charged with interest so I called into their customer service. They told me it was on JUST balance transfers but that's not what the paperwork said. It clearly stated on all purchases. I spoke to a manager by the name of Ryan and he repeated the same thing over and over again telling me it was on JUST balance transfers. This is false advertising and they have poor customer serviceDesired Settlement: I want ALL of my interest paid refunded back to me because I was tricked into signing up for this card.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 November 18, 2014 [redacted] RE: Barclaycard Rewards MasterCard account ending 0158 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Consumer

Response:

Review: After applying for a credit card from this company, I called and spoke with a representative about the conditions of the card, ie. annual percentage rate and membership fees. I was told I would receive an APR of 25%, which seemed high to me because I have a credit score of approx. 727. The representative told me that they do not solely base their APR on credit scores. He informed me that after establishing a good payment history after a few billing cycles that they do lower APR's for their clients who are in good standing. He also informed me that they would be willing to wave the membership fee (which is an annual few of $86, I believe.) At the time of my call, I was considering halting my application because I wasn't happy with the terms they were offering, but after speaking with this representative I decided to go through with my application and go with his advice to complete a few billing cycles and call back to discuss my options at that point. After a few months I called back and was told that none of the information I had been given was accurate. They would not consider lowering my APR at any point and they would not drop the annual fee. When I tried to explain this to the new rep I spoke with at the time she was not helpful or sympathetic about the fact that I had been deceived. I then came to the Revdex.com website to follow a complaint and I was prompted to contact the company and try to work it out. I reached out to the company, and I believe I spoke with the president. He was a lot more compassionate and sympathetic to my situation and did look into trying to rectify the problem. He listened to the recorded conversation with the rep who had given me the inaccurate information and contacted me to tell me that while he thought that the conversation was "misleading," he couldn't lower my APR. He did however wave the annual fee.Desired Settlement: I feel that the representative I spoke with initially basically committed fraud. I don't wish to do business who accepts dishonest practices from their employees while not protecting their clients. At this point, I would like to be released from my contract without any negative marks to my credit score. I simply wish to take my business elsewhere.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 December 9, 2014 [redacted] Re: Hawaiian Airlines MasterCard account ending 0724 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Review: Both my husband and I applied for credit cards with barclays banks because we both received a pre approval for promotional 0% balance transfer. We applied and requested a balance transfer to pay off deb at a lower interest rate (1/2 on my husbands card and 1/2 on my card). The existing loan was not paid by either balance transfer and we are receiving bills to pay our barclays balances (of which my card is not showing the promotional rate that was in my re-approval terms). SO now we are still paying on the loan that was supposed to be paid off, our barclays balances and interest on one card that was not suppose to be issued. I have contacted barclays on 4 different occasions regarding the balance transfer and 1 occasion for the 0% interest rate on my card. Every time I contact them I get case numbers for them "looking into it" but then never hear anything back. My most recent call I was told the customer service representatives that handled all my previous calls did not initiate a case and therefore have to wait 2 more weeks to hear a response.Desired Settlement: I would like to be issued a refund for all of the interest I am paying (that I am not suppose to be paying on my card) and for fees we incurred from attempting this transaction since I am still paying interest on a loan that was supposed to be paid off by a balance transfer more than a month ago. If they are not going to follow through with the balance transfer, I would like all balances to be cleared including fees and be issued a refund for payments made while waiting for them to do their month plus long research.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 20, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 1274 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET, Monday through Friday. Sincerely,[redacted]

Review: I closed out my credit card on approximately June 7, 2015.

My Barclay Aviator Credit Card is suppose to provide 2x the dollar amount I charged into my American Airlines frequent flier mileage program, as per their promotion ending June 30, 2015. When I closed the account with Barclay due to poor customer service, I had a balance of $1321.00. Upon payment to Barclays Bank, they were suppose to credit my American Airlines account 2642 miles. (1321x2)

Barclays customer service stated they would NOT credit any earned miles to my American Airlines frequent flier account because I closed my Barclay Aviator credit card account.

I earned these miles and I want Barclays Bank to honor their commitment.Desired Settlement: Credit my American Airlines frequent Flyer account 2642 miles

Business

Response:

P.O. Box 8885

Review: Barclay Master Card P. O. Box 8885 Wilmington Delaware 19899125 South West StreetWilmington, Delaware, 19801 [redacted]IBarclay Rewards Mastercard refuses to help me out with this card they are charging me all sorts of fees and Ive asked for their help while Im going through tough times medically and they flat out refused to help me. They are rude a woman called me maam and I am clearly a sir or she should have called me master. They are charging me late fees, saying I paid my bill three days over due, they charged me an over the limit fee by the time they charged their late fees and their over priced interest and they are raking me over the coals on this card. Ive attempted to speak to several people I want to keep my card on track with them they refuse to make sure I even have a working card to use they refuse to get me one I think that is part of the cardholder agreement is they will keep me with a working card. The account is somehow at an abnormal balance that I did NOT rack up and they will not explain themselves. Theyve been over charging me and will not help me when Ive asked them for a little assistance. I was in a not at fault motorcycle accident in June and I need some time as I get through my double leg surgeries and then I will be having surgery on my shoulder. They have been ruthless. PLEASE HELP!!! [redacted] was extremely rude on 9-9-15Desired Settlement: I would like for them to lower the interest rate, and stop charging fees to the card that are above and beyond the interest rate I will then agree to resume the normal payments and I want a working card on the account. And I would like a small credit line increase so if I do need something a new tire or something for my car I can utilize the card.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 25, 2015 [redacted] RE: Barclaycard Rewards MasterCard account ending 0464 [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]

Review: This matter revolves around a letter from Barclays that I received about a Visa Card with Apple Rewards sent to me in February 2015.

I have wrote 3 letters that went Unanswered.

I made a challenge to one of the credit reporting agencies as to their inquiry as my credit reports are all Frozen as a result of a past identity theft issue.

I finally in August talked with Fraud Investigator [redacted] (ID # [redacted]) and was told to FAX documents to them. As a result of that I received a letter from them dated August 25th stating the very same thing that the February letter had stated.

Just today I talked with a [redacted] (another Fraud investigator) and he was rather [redacted] with me a stated that this is my problem.

The problem is that Barclays:

1. made a inquiry without my permission on my credit report which hurts my FICO score

2. has stated that they have issued a Visa with Apple Rewards Credit Card to me which I have not applied for and have not received

Barclays is responsible for this identity theft matter and needs to remove the inquiry from my report and confirm without a doubt that I am not responsible for any charges associated with a VISA with Apple Rewards card.Desired Settlement: Barclays is responsible for this identity theft matter and needs to remove the inquiry from my report and confirm without a doubt that I am not responsible for any charges associated with a VISA with Apple Rewards card.

This must be received by me by September 30th or I may have to seek damages with the help of the courts as Barclays has violated the California and Federal Fair Credit Reporting Statutes.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 September 24, 2015 [redacted] RE: Barcalycard Rewards MasterCard account ending in 2371 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: I am writing this letter regarding an unanticipated account closure from Barclays Bank Delaware.

On October 19, 2015 my account was closed without my consent, and no specific reason given other than what they stated on the letter – because of my history of account usage. I was using the card for my daily purchase including grocery shopping, online shopping, dining, and paying electricity bills etc., just like how most regular people would spend on their credit cards (attached credit card statements from last 3 months). I was recently charged the credit card annual fees of $89 on the statement of 08/19/2015. Due to the account closure, I not only lost the annual fees but also my rightful earning of travel rewards I accumulated from the past years. The enormous losses caused by account closure have prompted me to write directly to you.Desired Settlement: I would appreciate your assistance in resolving my complaint. I would like to receive a full refund of annual fees of $89 as well as my rightful earning of travel rewards I earned from Barclays Bank Delaware.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 12, 2015

[redacted]Re: Barclaycard Arrival MasterCard account ending 5184[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]

Review: I have applied for a credit card with the bank, and after being denied online I called the banks credit dept to have me reconsidered for my credit card application, credit agent advised me that he will look into what he can do for me. Before putting me on hold I asked him if this will result in an additional credit inquiry/hard inquiry and the agents answer was "No", but rather he will review all current files and reports. After a brief hold agent comes back on the phone line and advises me that after his review of the reports he will not be able to approve me for the application.

A few days later I received a letter from Barclaycard bank stating that they have pulled my Experian credit report resulting in another hard inquiry on my credit report.

To my disappointment after being told by the banks credit agent that he will not need to pull my credit report again, that they did actually go ahead and pull my report again. So I went ahead and called the bank again, the agent seemed very nice and helpful and after a brief hold he came back on the phone line and apologized for pulling the report and he told me that he will need to ask me some questions so he can fill a special form that he will submit to Experian to have the inquiry removed from my report, and he told me it should reflect on my report within 30 days.

A few weeks later I called Barclays to follow up and the agent advised me that they have just gotten a response from [redacted] that the inquiry will be removed.

Another few day’s passes and I get a letter in the mail from Barclays that after a review on the story they have decided not to have the inquiry removed, case closed.

So to my great disappointment I called the back again. This time I was transferred to the manager of the credit dept right away, and after I tell her the whole story (as written above) she told me that a investigation has been made and they have decided in the end not to remove the inquiry. Trying to get an explanation of what’s going on, the manager would not give me any details, rather was very rude to me and repeat herself that there is nothing she can do for me and the case is closed.

She told me that I can mail the president of the bank if I want, and that came as a insult to me.

So I understand that I have authorized the bank to pull my credit report when I applied online in the first place for the credit card, but not the second time when I was told out right that there will not be an additional credit pull.

They told me that they will have it removed.

They verified with me that the case has been accepted by [redacted] and it would be removed any day.

And then this rude manager comes on the phone and would not listen to me rather push me away while not willing to give me a explanation.

What I want is the Barclaycard bank to remove the hard inquiry that has resulted on my credit report on a credit pull that I have not authorized.

Thank youDesired Settlement: What I want is the Barclaycard bank to remove the hard inquiry that has resulted on my credit report on a credit pull that I have not authorized.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 30, 2013

We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Revdex.com. We understand your concerns regarding the inquiry shown on your [redacted] credit file and would like the opportunity to respond accordingly.

I appreciate the time you took to speak with me on August 21, 2013. After speaking with you, I researched the additional inquiry with our Credit Department. Although we have the right to review your credit file when we receive a request for credit, you were advised the June 4, 2013 inquiry would be removed from your [redacted] credit file. As a result, we have submitted a request to [redacted] to remove the inquiry. Please allow up to 30 days for the removal of this inquiry to be reflected.

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:

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 am enraged. This account has been set up for automatic payments for years. YOU failed to make this month's automatic payment as scheduled and now you have the audacity to tell me I missed a payment and to charge me late fees and interest for an otherwise flawless payment record! I am livid! I am so angry that. Am considering terminating my relationship with [redacted]. YOU WILL CORRECT THIS MISTAKE AND CREDIT ME ALL LATE FEES AND INTEREST. I ALSO EXPECT THAT NO ERRONEOUS REPORTS REGARDING MY CREDITWORTHINESS WILL BE MADE TO ANY CREDIT REPORTING AGENCY AS A RESULT OF YOUR INCOMPETENCE. I am going to enter a manual payment request online, but I demand that you rectify your mistake by 5pm tomorrow, August 26 or I will file complaints with appropriate regulatory agencies. I have already filed a complaint with [redacted] that Barclay's Group should be reconsidered as the provider of services for this Visa card. Your incompetence in this matter tarnishes the image of [redacted], who consistently provides the highest level of customer service. Barclay's, conversely, seems to care nothing about customer service and there is clearly a mismatch in this partnership. Thank you.Desired Settlement: Apology and refund of late fees and associated interest charges as well as a promise that Barclay's will not make this mistake again.

Business

Response:

September 4, 2013

[redacted]:

We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Revdex.com of Delaware. We understand your concerns regarding the automatic payment on your account and would like the opportunity to respond accordingly.

I would first like to thank you for taking my call on August 29, 2013 and appreciate your understanding of this situation. As we discussed, the late payment fee and interest charge which was assessed to your account was waived, and you will see these credits on your September 2013 billing statement. In addition, I have confirmed that no negative information was reported to the credit reporting agencies as a result of this error.

Due to an inadvertent system error, your automatic scheduled payment was not processed which resulted in your account being assessed the late payment fee and interest charge. On behalf of Barclaycard, we sincerely apologize for the inconvenience this has caused.

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:

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