Barclays Bank Delaware

Review: Hi,

1) I got very bad service from managers when I call. One just closed my account but refused to refund me the annual fee.

2) There is an unacceptable error made on my account, which made me worry about information security and identity fraud issues. I had to spend 1 hr on the phone with a manager only to be told that they sent me the letter by error. That letter is not for my account. The Case number is [redacted] and letter dated 8/28/2015. This is totally the Barclay Bank's fault.

3) I was very busy with cross country relocations and I wanted to close my account when the annual fee was charged. However I could not do that because I got to find the time to call in and clarify about the letter, which indicated serious fraud at that time; but later foundly out to be an error purely from Barclays.

4) When they mandatory changed my us airway card to aa aviator card, they didn't give me an option to close the account then to avoid the annual fee. I never paid annual fee on the old card, and this being a new card should have at least the promotional annual fee waiver.

5) Also, they failed to help me with a dispute that another bank could easily win. I was waiting for that dispute result, which was end of August, so since then its has only been half a month, well within the 60 day period that the annual fee is refundable. ALSO, for this simple dispute, Barclay even opened 2 cases, which is misleading and simply wrong.

I never got this kind of stupid errors and messy transition before all my life and for this, Barclay should take out of the annual charge AT THE VERY LEAST. This is the only thing I'm requesting. I feel I've been very reasonable and paid of any other balances already.Desired Settlement: $89 ANNUAL FEE.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885October 27, 2015[redacted]RE: AAdvatange Aviator Red World MasterCard account ending in 3505

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

Review: I checked my credit report and saw a hard inquiry under "BRCLYSBANKDE". I had no idea what that was so I looked it up and I found the website to this company. I have never applied for any type of credit through Barclays Bank. I tried to call the customer service number to speak with someone, but it won't let you through unless you put in an account number. I have never had an account so there is no way I could get through. I need this compan,y in which I have never heard of before looking at my credit report, to take that hard inquiry off of my credit report. I also would like to know the details of how it ended up there in the first place!Desired Settlement: I need the hard inquiry taken off of my credit report as well as someone from the company to explain to me how this happened.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 19, 2015 [redacted] RE: Application for Barclaycard Visa with Apple Rewards account [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted] Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: This company states that they will not charge a late fee if paid in person at store on date due. This is not true. They use voice systems and when I called to find out what the payment due for Feb. was I was told $50.00 which I paid at store location. I received my statement for March and was again charged a late fee of $35.00 and was told it was because I did not pay the amount due of $51. and some change. I advised her that it would have been stupid on my part not to have paid the extra few dollars versus a 35.00 late fee. I have called previously because of this practice. I do not think this is ethical. If they are going to use non human forms of communication to give out information regarding amount due than they need to make sure the computer can give the right amount due. When you do speak to a human being they very often cannot speak English well! Then threaten to turn account over CB because of late payments!Desired Settlement: I want late charges taken off my account for the dates that I have paid in store on due date or before due date. This is very upsetting to me as I have been under extreme duress regarding trying to pay bills with no income. Thank you

Business

Response:

P.O. Box 8885

Review: In December 2013, I opened a Barclays US VISA card and took advantage of their 0% 18-month deferred, no-interest on purchases from APPLE ($2,694.41). Until, November 2014, the only charges on my account were for this amount and I made a minimum of $200.00 per month towards payment of this deferred balance. In November 2014, I made additional APPLE purchases that were not part of this deferred, no interest program. I continued to make a minimum of $200.00 per month in payments. I recently learned that since these November purchases, no monies paid on my account were credited to the deferred, no interest balance. When I contact Barclays US, they informed me that by law, they must use any funds I pay on my account towards the highest APR balance, and they do not have to use any of my payment towards the deferred amount until two months prior to the deferred period ending (in my case 6/7/2015). I believed a portion my payments were going towards the deferred balance and a portion was going towards the non-deferred balance. This is a pure scam to consumers. I would understand if half the payment would goes towards the deferred amount, but NONE AT ALL -- that is outrageous. This is a deceptive practice and the company should not be allowed to continue this practice.Desired Settlement: The remaining deferred balance due ($994.41) be transferred from payments made between November 2014 through March 2015 to satisfy the deferred balance.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 20, 2015 [redacted] RE: Barclaycard Financing Visa Card account ending 9070

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

Consumer

Response:

Review: I have been charged by the bank on my Priceline credit card $1500. I contact the bank and told them that I never authorized this transaction. I asked them to show me documents that I signed on October 3, 2014 to prove that I authorized this transaction. After few calls and talking to the dispute Department. They sent me paperwork that doesn't have my authorization on this transaction. Again, I contacted them numerous times to try to dismiss those charges, but they refused without any reason. They close my account and charging me $1500 plus interest.Desired Settlement: I would like them to credit my account, and send me a document that show that it was a mistake and it won't hurt my credit rating.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 7, 2015

[redacted] RE: Priceline Visa account ending in 9430 [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: They closed my account without calling me

They say they sent a letter but I never received oneDesired Settlement: Remove their a+ rating and drop them to an F on the Revdex.com site

I called them to reopen my account and was told they could not

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 October 5, 2015 [redacted] RE: Barclaycard Financing Visa account ending 7682 [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: I have applied for a Barclays Arrival Plus credit card. I was undecided between [redacted] and Barclays travel cards and finally decided on Barclays. I am travelling in Septamber and wanted to buy plane tickets and everything now on the card, and why I applied for the card last week. I was told to call card services at 1-866-[redacted]. I spoke to [redacted] employee[redacted]. She was rude to me from the outset. I tried to explain to her that as a student I have moved a lot, and just moved in the last 6 months. I tried to communicate with her about it and she called me suspicious, giving me a sharp attitude. As I have no idea of what address she could be inquiring about, I tried to give her others but she just told me no, and to punish me she demanded that I send her my social security card, drivers license, and a utility statement. I told her that my rent included utilities and that I wouldn't be able to send that in, and after taking more abusive overtones from her, I asked to speak to her manager, who she told me did not want to speak to me, named [redacted]. I was told that after sending in my information, it could take 3 weeks to look at and 3 more weeks to process, by which time the airplane ticket prices will have jumped tremendously and defeats the purpose of my application. I certainly don't feel comfortable sending in my most sensitive information with a company that employs thugs who treat customers like me in such a poor manner, and I was told that because she made a formal request for this information, I cannot ask to withdraw my application until I send it all in. I was also told that in order to remove the inquiry from my credit statement, I would have to "take that up with the credit agencies." I really don't want to be pressured into having to do anything and am highly uncomfortable dealing with Barclays now.Desired Settlement: In the best case scenario my desired outcome would be to 1) just approve my application and send me the card as soon as possible to book my flights, or 2) withdraw my application without bullying me into sending them my social security card, drivers license, and non-existent utility bill, as well as take the inquiry off of my credit statement and investigate [redacted] customer service relations and the manager who "didn't want to talk to me."

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 8, 2014

RE: Application for Barclaycard Arrival account

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'm a Barclays Cardholder and filed a dispute regarding a purchase I made where a product was defective since the Merchant was unhelpful. I was notified by Barclays that my dispute was closed in favor of the merchant. The reason given was the merchant told them they have a return policy which prohibits the return I wanted to make.On June 14, 2014 at approximately 1:20pm I spoke with Angela of Barclays Dispute Department who explained this to me but she also put me on hold and review the merchants return policy herself and acknowledged that their return policy does not say I cannot return a defective item and does not prohibit the return of the item I purchased and basically agreed that the decision finding in the merchants favor was incorrect.She said she would note the account with her finding but she could not reopen the case herself.Desired Settlement: I would like Barclays to find in my favor since they incorrectly found in the merchants favor and also follow properly Visa's Dispute Guidelines which clearly show that I should have won the dispute.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 8, 2014

RE: Barclaycard Financing Visa account ending 5769

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: To whom it may concern:

This is in reference to my credit card account which was closed due to a returned payment through no fault of my own. I scheduled a payment for $4892.95 on 01/05/15 to be processed on due date of 01/18/2015. I logged into my account through Barclaycardus.com on 01/19/2015 to check the status of my payment and it showed that I still owed the full balance and I could not find any record of payment that I had scheduled on 01/05/2015. Thinking that my payment was not scheduled properly, I made another payment in the amount of $4892.95.

On 01/21/2015, I received notification from my credit union that a payment of $4892.95 from Barclays Card was returned due to insufficient funds. After further review I realized that the payment I had scheduled on 01/05/2015 for processing on 01/18/2015 was actually processed although that didn't appear to be the case when I logged on to my account on 01/19/2015. The other payment that I made on 01/19/2015 was also processed and deducted from my checking account with Boeing employees credit union. I had sufficient funds to cover amount of $4892.95 but not $4892.95 x 2 = $9785.90.

I called customer service on 01/21/2015 and tried to explain the situation. Representative was not very helpful and stated that they couldn't assist me in resolving the situation until returned payment reflected on my credit card account. Also, representative stated that system will try to reprocess returned payment although "it shouldn't but unfortunately that's how our system works." I was told to call back on the 25th for resolution.

As instructed, I called on the 01/25/2015 and spoke with another representative. She told me that my account was on hold until 01/28/2015 as the original payment I had scheduled for 01/18/2015 was returned by the bank due to insufficient funds. I made her aware that my credit union received both withdrawal request on the same day and they returned one of them which happens to be one scheduled for 01/18/2015. Representative understood the situation but said nothing could be done until 01/28/2015.

I logged into my credit card account this morning and noticed that my account status showed as being closed. I called customer service and spoke with the representative who told me that my account was closed due to returned payment and some derogatory information on my credit file. I know that I have one late payment being reported on my credit file within the last year. This was due to credit card company sending e-statement to wrong email address and by the time I realized that to be the case it was already over 30 days past due. Other than that I have always paid my bills on time and for the most part paid balances in full.

I am absolutely shocked with the way I have been treated, way this situation was handled and final result of my credit card account being closed. It's evident that your company needs to do a better job all around. To start of, enhance your website to show pending payments and alert customers if they are making a duplicate payment, equip your representatives with tools to resolve issues and empower them to assist customers.

I truly hope that you are able to assist me resolving this matter without any further escalation. If you have any questions or need additional information please feel free to contact me directly otherwise I look forward to a swift resolution to this matter.Desired Settlement: I am requesting that you re-open my account, credit all late fees and reimburse for insufficient funds fee charged by my credit union ($25/withdrawl request, total of $50)

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 9, 2015 [redacted] RE: Barclaycard Arrival MasterCard account ending 3383 [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,

Review: I was baited to apply for the Barclaycard Frontier MasterCard at an airport while waiting for a connecting flight in 2007, with the promise that I would instantly receive enough frequent flyer miles to use for 2 round-trip tickets within the U.S.

According to Frontier Airlines, Barclaycard failed to submit the appropriate frequent flyer miles to my account. After using my card all these years, I currently have enough for only 1 round trip ticket.

I've contacted Barclaycard several times and they tell me they have no records past 12 months.

They clearly have not honored their word, as the 2 round-trip tickets were the only reason for signing up in the first place. I thought I'd have enough for 4 tickets by now.

Barclaycard has been charging us $49/year since 2007.Desired Settlement: I would like a full refund of the $49 per year since 2007, or 4 first class round trip airfares to the destination of my choice. Either of those options would be satisfactory to me under the circumstances.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 10, 2014

RE: Frontier MasterCard account ending in 7495

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: GOT A VISA CARD LATE LAST YEAR. JUST RECENTLY NOTICED A

GOT A VISA CREDIT CARD LATE LAST YEAR. JUST REALIZED I WAS BEING BILLED $10.00 A MONTH FOR A PURCHASE. I HAVE NOT USED THE CARD IN 4 MONTHS. CALLED THEM ON IT AND WAS TOLD YHE CHARGE WAS FOR A MOBILE PHONE PURCHASED AT WALMART. CALLED WALMART COULD NOT EXPLAIN CHARGES. REFERED ME TO STRAIGHT TALK. CALLED THEM THEY COULD NOT EXPLAIN CHARGES. THE CHARGES APPEAR TO HAVE STARTED THE MINUTE I GOT THE CARD. NO ONE WANTS TO HELPDesired Settlement: REFUND ALL SUCH CHARGES TO THE VISA ACCOUNT

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 30, 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 and are pleased to have been able to assist you with the matter. Under separate cover and on December 30, 2013, we sent you a detailed response of the investigation and actions taken to bring positive 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 had some difficulty paying the least due on my Visa account and spoke with this company. IN February. The representative offered a program to reduce the payment for three months and said that I would not get any more calls on the matter. Since that time I have had calls every month form this company stating that I was past due. When questioned them about my February conversation with a representative they would say that it was not in the records untill I insisted that they check. I finally got written conformation on this issue on March 31,2014. But in April and May I still got a call. I have been making the payments that we agreed on every month. I do not like this. I have been working on the problem. We, my husband and I have had finance difficults since his layoff in 2008. And not till April 28, 2014 did he finally got a full time job. I feel tha Barclay's has beed harassing me and it needs to stop. If I could fully pay them off I would and close the account permantly. I did cut up the card. Is there any way to make them stop?Desired Settlement: I want the harassing phne calls to stop or I will seek legal action.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 3, 2014

RE: BJ’s Visa account ending 9215

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

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

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

Consumer

Response:

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

Review: I made a purchase using the Barclay card on 4/9/14 with the first bill due 5/16/15. I tries several times to set up autopay on the Barclay website however when the bill was due I noticed the money was not taken out of my account. I called and set up autopay via phone and still Autopay did not get set up. I called back and was assured that it would be set up correctly however it still took a third call and the payment was marked as late. All the people I spoke with were really nice and assured me since they had a record that I had called several times to set up autopay that the late payment would not show up on my credit report. The last phone call I was told that autopay would be set up for 10 month and then expire. TO BE HONEST I forgot that in August of 2014 I needed to start making payments again and that autopay was automatically cancelled and was 2 weeks late with another payment. I wrote a letter at the time (2013) to Barclays and received nothing in return other than a letter saying that they were reviewing the matter. I recently looked at my credit report and noticed that it say's that I made a late payment in 2013. With the hours on the phone that I spent with Barclays (all in their notes) trying to make the payment that wasn't set up correctly and having to continue NOT due to my own fault to call to make sure the bill was being paid is and then it showing up us a late payment is horrendous.Desired Settlement: I want the error of late payment removed from my credit report because it was through no fault of my own.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 February 11, 2015 [redacted] RE: Barclaycard Financing Visa account ending 7890 [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,

Review: Bar clay Card do to lastest research have added and removed a payment of 61.50 I made 10/03/13. Statement states my next payment is 11/8/13 when my next payment should be 1/8/13 according to the four payments made. I will have to do further research to find out if Bar Clay Card failed to apply any other payments I made. At this time (to my current knowledge I should owe 1,780.77 ([redacted] sent a check this week in the amount of 61.50).Desired Settlement: Apply payments timely and correct due dates to prevent late fees. I pay my bills early because I never know ( just like last week me being on furlough). I have sent faxes, emails, and phone calls to Bar Clay without success.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 25, 2013

RE: Barclaycard Financing Visa 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 and are pleased to have been able to assist you with the matter. Under separate cover and on October 25, 2013, we sent you a detailed response of the investigation and actions taken to bring positive 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 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.

[redacted], we hope this information clarifies matters for you. If you have any questions or concerns 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 have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: Back in August I called Barclays to dispute some unauthorized transactions on my card, and after waiting about two weeks some of the charges hadn't been removed so I called back. When I called back the rep told me she'd take care of it, and she got all the charges. So I went about using my card to pay bills and for other expenses, and then I saw a charge for 1100 dollars. Since I had spent up toward my credit limit this put me about 1,000 over the limit. Barclays, by their own admission, had accidently removed a purchase I made for an Apple Macbook 1 year prior. They did notify me of either the removal or the readding of the charge, and they've refused to remove it even though it was their mistake in the first place. Barclays removed some of the fiance and interest charges, and also said I could have 0% until un April, 2015. However, the last two months I've seen both finance and interest charges on my account, even though once again by their own admission they acknowledge sending me the letter in the mail. Barclays has acted in a borderline unethical manner with me. They made a mistake, and they need to take ownership of that. If I make a mistake at work, I work to fix it instead of shifting the blame to someone else.Desired Settlement: I want the purchase of the computer removed. I've been making payments on it for over 15 months now, it should be long since paid off. That or I want 0% interest for 24 months, plus the fees removed since the letter was mailed out. I am only able to pay 100 per month, and with a balance of 2700 dollars I wont be able to pay that off before April 2015.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 January 29, 2015 [redacted] RE: Barclaycard Financing Visa account ending in 1761 [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,

Review: When I got the card it was through Apple as part of a way to purchase a computer. Interest charges were collected without my knowledge despite regular payments. When I called to ask why and complain it was explained that the deal had expired (without notification) after some back and forth the charges were wiped with apologies and the customer service rep. help me to "upgrade my card" with the understanding that these interest charges would not happen again. These charges began happening again. When I call again I was told that any non Apple purchase would be charged interest, something that had not been explained previously. When I told the representative all this, I was told that there was nothing to be done and that I would just keep being charged and that it was not there fault that I was not told. I feel that I was misinformed about the nature of the credit card, and then not informed about the interest charges on two occasions, then mislead about how the new "upgrade" would work. Because there is a pattern of charging interest after saying that they won't I am greatly concerned that this practice will continue.Desired Settlement: I would like the interest charges to be refunded and Barclay Card to make it a policy to explain Clearly such charges to other clients in the future and notify clients before they are charged.

Business

Response:

P.O. Box 8885

Review: I have an unsecured credit card with Barclay, and it has been maintained as an excellent account for many years. Normally I maintain a high utilization on the card, and Barclay raised my initial credit limit of $500 to about $3000 over the course of several years. I pay on time almost always, and normally more than the minimum amount. Barclay determines the credit limit by actively polling and monitoring a user's credit rating.

Recently, I accidentally paid the entire balance and had enough money in my checking to cover it. Several problems came to light which are anti-consumer and weigh heavily against Barclay's business practices:

1) Barclay, which purports to monitor an account for unusual activity, did not flag this payment as unusual though I had never paid such a large balance. Mistakes do happen, and people can accidentally send funds needed for mortgage and other critical bills to Barclay.

2) When Barclay receives the payment, it holds the cash and does not immediately apply it to the credit card balance - paying any amount does not allow you to use the available credit for several days when it should be immediate as Barclays has received the funds. If a mistaken paid-in-full payment was made, a user cannot use the credit to pay critical bills that the funds were otherwise earmarked for.

3) As soon as Barclays unlocks the account, it lowers the credit limit. While it took years for me to go from $500 to ~$3000, it took less than 24 hours to go back down to $500 even though the account was always paid and kept current, and no payments were EVER missed.

4) This practice of eliminating credit that was granted for years and never in any default, severely impacts user credit ratings!!! If Barclays had kept the pre-existing limit, then having paid the card balance in full would show zero % utilization on this card and a high available credit. Instead their practices result in a double-negative by reducing available credit as well as leaving the utilization unchanged in spite of receiving a total or almost-total payoff of the balance.

Barclay benefitted from artificially inflating consumer credit limits, encouraging the use of their cards and generating interest payments and when the opportunity presents itself, Barclay will eliminate all prior credit extended any time a large payoff is received, even if an account has been perfectly maintained.

Barclay took the full balance payment without double-verifying that the consumer wasn't making a mistake, then further punishes the consumer by immediately lowering available credit so that high utilization rates are maintained. This severely impacts credit scores and does nothing to reward good consumer behavior of responsible bill payment.

These things are not industry standard -- no other credit issuing companies lower credit limits like Barclay does. And Barclay does not inform nor advertise to consumers that this is their standard business practice.Desired Settlement: I request an immediate restoration to my former credit limit of the last several years, and an apology for rewarding an excellent payment history with punishment. In lieu of that, Barclays can refund all the interest obtained from an artificially high limit that was obviously not the limit they really wanted me to have.

The earnings from the interest should go to any of the other 11 credit cards I own, where not a single company has lowered my credit limit unlike Barclays.

Business

Response:

P.O. Box 8885

Review: I req a credit limit increase and addtl card but was denied applied for one two days before receiving approval for the credit card I received. I talked to 3 reps that day in red to increase and was given information that it won't pull credit again. I got a call at 8:22pm from credit dept saying credit limit increase was denied and they were closing my acct due to risk because of inquiries the past two days on credit report. Which were fraudulent and I did not know anything about. I am trying to buy a house and closing my report is my helping me and I shouldn't be held responsible for fraudulent activity on my credit report.Desired Settlement: Reopen my card!!

Business

Response:

P.O. Box 8885

Review: My account was sold from Barclays Bank to [redacted]. I resolved the account through [redacted] however Barclays does not acknowledge that they sent the account to [redacted] and will not adjust the account to show that it was resolved. The account is still showing as an active charge-off with Barclays on my credit report. My employer has reviewed my credit report and is requesting this issue be resolved. I have spoken to several Barclay representatives and they are unwilling to assist with this situation.Desired Settlement: Report that the account was closed with Barclays and sold to [redacted] and acknowledge that the account has been satisified through [redacted] Barclay's sold the debt to [redacted] and they need to report as such.

Business

Response:

September 4, 2013

RE: Juniper MasterCard account ending [redacted]

We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Revdex.com of Delaware. We understand your concerns regarding the reporting of above referenced account on your credit report and would like to take this opportunity to respond accordingly.

We regret any inconvenience you may have experienced while attempting to resolve this matter and would first like to confirm we have sent an update to the consumer reporting agencies to report the account as charged-off and settled for less than the account balance. Please allow up to 30 days for the consumer reporting agencies to update your credit report.

Our records show that after your account was charged off in December 2008, it was sold to [redacted]. Further research concludes the account was settled for an amount less than the full balance in September 2011. [redacted] has confirmed they are reporting the account as paid.

[redacted] we hope we have resolved all your concerns. Should you have additional questions, please feel free to contact me directly at [redacted]. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

I am so OVER using Barlcaycard for revolving credit purposes.

I had a Travelocity American Express with a fairly large credit line- took advantage of a 0% offer. During that time, they tried to decrease my credit line (FICO was in 700 range still- NO DEFAULTS EVER) I persuaded them to reinstate my credit line.

After paying off almost $10,000 IN FULL with them over 9 months, I closed that account and opened an Arrival World Mastercard with almost $13000 limit. Used this card for a few months with a balance to take advantage of 0%, then they decreased the line on that one. I asked them to reinstate it. This time, they refused. My credit score has not changed, income six figures and more than enough assets to cover my balance.

Barclay's is one of the most rediculous banks, EVER. They micromanage like a mother, which can actually be detrimental when you have customers that ALWAYS PAY! like ME!

I went ahead and closed my Arrival card and paid several thousand dollars towards it.

You would think that if a customer has a greater than 8 year history of charging and paying tens of thousands of $$$$ back, that they are a good risk..

I was literally told by one of their seriously stupid "Credit Analysts" that they can't consider the high level of debt I've paid off in the past year or so.

THAT"S WHAT A CREDIT HISTORY IS THERE FOR!!!!!??????? lol

not with Barclay's. Almost seem like [redacted] used to be.

My $30k cl with Amex and $30k cl with Chase will be sufficient. [redacted] Barclaycard.