Barclays Bank Delaware

Review: [redacted] In November of 2012, Apple had a promotional Thanksgiving sale of zero percent financing for what I remember to be two years. I purchased a MacPro on 11/23/12 for $3,544.43 and the financing was done in coordination with Apple's affiliate, Barclaycard. Since that time, Barclaycard automatically debited a monthly amount from my checking account that ranged $30-$32. I intended to pay off the entire purchase amount during the free finance period. Barclay bank did not inform me by email or mail immediately prior to the end of the zero financing period that the term of my zero financing is about to expire so as to give me the opportunity to pay my balance in full. Instead, I recently discovered while reconciling my bank statement that I was being overcharged by Barclay Bank for the monthly payment. I then called Barclay and the representative told me that someone purchased an item on the card on June 4, 2014 for an amount of approximately $1,400. He called Apple on a three way call trying to figure out what the charge was for and we were unable to determine what was charged. I then suspected fraud and requested the card be canceled. I then was forwarded to another Barclay representative because the first reps computer wasn't working. I then spoke to another rep and they told me that there was a finance charge on the original purchase that was charged in June in the sum of $1,132,22 for failure to pay the balance due. I was shocked. I then spoke to another Barclay rep and she agreed to credit me the interest charged for the last couple of months which is approximately $238. This is unethical and should not be allowed. I told this last rep that I spoke to that I thought I would be happy to pay the interest on any balance due subsequent to the zero finance period (which I thought was 24 months) but I did not think it was ethical for them to charge me for interest going back to the inception of the purchase at such a usurious rate of about 25%. Unfortunately, she could not help me other than eliminating the $238 and could not forward me to anyone else who could. When I asked "Who can I speak to who could help me?", her answer was "Well who do you want to speak to?" I do not think it is fair to simply charge interest without notice, especially when I thought that the period was 24 months and this was done after 18 months. I sincerely believe that the responsible thing for a lender to do, especially when there is zero percent financing involved, is to give immediate notice to the debtor as to the total payment due in order to give the debtor the opportunity to prevent these unethical finance charges, especially when finance charges will be billed for the entire period starting from the purchase date. I expected this transaction and payments to be self liquidating and for me to not pay any interest. Doing otherwise defeats the purpose of the sale/purchase. This practice is unethical, should be stopped and if you refer to the link I have indicated at the beginning of this note, you will see that there are many more complaints very similar to mine with Barclay.Desired Settlement: Eliminate all finance charges.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 8, 2014

RE: Barclaycard Financing Visa Card account ending 9733

[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.

Consumer

Response:

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: 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: 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 have been very sick and tired of being sick and tired...on Barclay's USA. I have asked them to remove fraudulent charges to my account. They have not. I sent in a mail saying I am very sick and need them to defer payment for sometime.

I have had a very tough year and asked them to send me a fax number where I can send them documentation on my situation. They have not.

Not only did I not get my new card, but since I signed up for this credit card, their customer service people are unprofessional.

First of all there was a special financing option of low apr when I got the app MacBooK Air. I never got that.

I still do not have this new card they allegedly sent me. It is very unbecoming of a bank to not respond to me on this issue since December 2014.Desired Settlement: Remove fraudulent charges on my account. Defer payment till I am well enough to pay you.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 May 4, 2015 [redacted] RE: Barclaycard Financing Visa account ending 2075

[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 9:00 a.m. to 6:00 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 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]

I applied for a credit card and was turned down. The reason stated "reporting agency played no part" so my 803 score was not a factor. Two other lame excuses "lack of installment loan" and "too many accounts with balances". Well, we were celebrating the birth of christ and going to a wedding, so we do charge on credit accounts. In my entire existance, I have never left any credit card with debt. In short, I pay my bills. This is to let you know that the credit card can be pushed up someones backside. You know the heart of your bottom. PS kiss the heart of my....pew stinks!

Review: I was informed that my Virgin America Visa Signature card was being turned into a Barclaycard Arrival Mastercard. Just prior to the official switch (January 2014), there was a charge made (12/11/13) on the Virgin America card at a "Sears Roebuck" (store #: [redacted]or $600 (two $300 gift cards apparently). When my new Barclaycard arrived and the first bill was due, I alerted them (Barclaycard US) that this charge was fraudulent, at which time they opened a case for it. After a couple of months I received a letter from Barclaycard US (dated 03/06/14), stating that they had closed the case and considered the charge legitimate because they received (and enclosed) the receipt from Sears that "supplied documentation that details what the transaction represents along with verification of your name, shipping address, and/or email address." Unfortunately (and contrary to the aforementioned claim), the receipt provides NO such information. In fact, the receipt does not even include the last four digits of the card supposedly used in the transaction. Furthermore, the "signature" on the receipt is clearly not mine (my card has "SEE I.D." written on the back of it, which means that any cashier using my card looks at my driver's license upon purchase, which of course did not happen in this case).

At this point I appealed Barclaycard's "findings", as this purchase is quite obviously fraudulent. After not hearing back as to the status again, I called the beginning of last week and was told that "someone from the Investigations Dept. will call you back", which has not happened after 6 days. It is now April 5th, 2014, and I still haven't received an even remotely satisfactory explanation of a) why I'm still being charged for this b) why I'm being charged late fees and interest on a disputed charge c) why the "proof" that they say they have is not actually what they have, and d) why no one is getting back to me about this after 4 months of wasting my time.Desired Settlement: The desired outcome is quite simple, and that is to credit my account back with the fraudulent amount, as well as take off any applicable interest charges and late fees associated with that fraudulent charge.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 5, 2014

[redacted]8

RE: Barclaycard Arrival MasterCard account ending in 1740

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: Barclay US has fraudulently debited my account for $93.53. Yet they did not post this payment to my account, even though the website shows it was received, furthermore it was withdrawn and posted on October 1, 2014 from y Fifth Third Bank account.

The statement will even reflect that payment as a provisional credit but when logging into the website, it shows I am late, and there is a late fee.

I have contacted the bank numerous times, yet I have been transferred from the security department to customer service, back to the security department, to then be transferred back and forth a few extra times. After and unreasonable amount of time the gave me a case number and promised a resolution. A provisional credit was issued.

On October 25th, 2014 when logging into my account, to my surprise according to [redacted], the 7th agent I was transferred to , not to mention, having been transferred back and forth like last time, having talked to 2 agents, whose names I did not get, then [redacted], then a manager, in the resolutions department, no one could figure out what the problem was or is.Desired Settlement: I am requesting my entire balance be written off and the issue resolved. This is Fraud. Fraud is a crime. Talking it to the next level would involve Law Enforcement. I am demanding you credit my account for the $93.53 I already paid you on October 1st, 2014, and requesting you adjust the remainder of $187.17 for my inconvenience, I also am requesting a letter of apology from your executive offices send to me by mail and / or email.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 30, 2014

RE: Barclaycard Financing Visa Card account ending 0581

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: To Whom it May Concern:

This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file. In compliance with FCRA §623(a)(8)(D), and enacting regulations published at 16 CFR § 660.4, this Notice of Direct dispute includes:

Identification of the specific information being disputed:

I was just informed via the representatives at Barclays customer service at [redacted] on 8/18/2015 at 12;36pm CT that this account has been sold to a third party.. However, Barclays is still reporting a balance of a sold debt instead of reporting a zero balance as required by the FCRA.

Under the provisions of FCRA §623(a)(8)(E) and 16 CFR §660.4, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30 days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5 days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you cannot verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623((1)(E), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

Thank you in advance for a written response within 30 days of receipt. If you verify the current reporting as accurate, please share specific details regarding the method of verification, including employee(s) contacted, documents furnished, and any other relevant information.Desired Settlement: Please delete the trade line as it is reporting inaccurately per FCRA 623((1)(E)

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 31, 2015 [redacted] RE: Juniper MasterCard account ending 1454 [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:

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: My complaint it with Barclay's Bank and their handling of an issue with a [redacted] Visa card. I was making an online credit card payment of $35, and recieved an error message when submitting the payment. The message read "An error has occurred. Please try again." Based on this prompt, I re-submitted my payment. I then recieved one confirmation email/number to confirm that my second attempt to pay my bill had been successfull. A couple days later, I was denied use of my personal debit card. In checking my account, I noticed that Barclay's Bank had actually taken TWO payments, instead of the single payment that I authorized. This caused my personal checking account to go negative, and caused me to incur a penalty fee with my personal bank. When I spoke with Barclay's Bank customer service line, asking for my money to be refunded, they refused to help me immediately. They tell me that their policy states that they money must be in my account for a certain period of time, they have to do an investigation, and I have to wait 7-10 business days if I am granted a refund, meanwhile, my account sits in the red due to thier error. They essentially stole a second paymet from me, and will not return it while they "investigate" the truth of my claim. Their system caused the error, they need to fix it. It was very easy or them to take money from me, but it will now apparently take a long process for them to return that money to me. This will cause me to be unable to use my personal checking account until they can release my money back to me. Not to mention, I have not even been gauranteed that I WILL get a refund, that is pending the results of the "investigation". Barclay's Bank stole an extra $35 from my account. I will now be unable to use my personl checking account until Barclay's Bank fixes their problem. That is Terrible customer service that should be investigated.Desired Settlement: I would like my money refunded immediately. I should ask Barclay's Bank to pay my bank penalty fee of $36, as it was their fault that it was charged to my account. Luckily, my personal bank does care about their customers, and understood my story, and was able to personally refund that fee the very next day. I would like Barclay's Bank and [redacted] Visa to review and change this policy, as it is detrimental to their clients.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

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 payments on your account and would like to take this opportunity to respond accordingly.

We appreciate the time you have taken to contact us and regret any inconvenience you may have experienced while attempting to resolve this matter. We would first like to confirm that as a courtesy to you, we have returned the second payment of $35.00 to your external bank account. Please allow me to explain the results of our investigation.

We’ve thoroughly researched this matter, and did not uncover any issues with our online payment system. It appears that two payments were scheduled by you which created two payments being taken from the designated account. Please be aware that customers can view pending payments by accessing the Payment History tab on our website. This will allow you to confirm that the payment submission request was successful.

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.

Review: I have a Barclays Master Card - credit card; EVERY TIME I reset my online log in and password it will work for about a week and then it fails to recognize my password. I have spent hours on the phone trying to resolve this problem with the Customer Service and Website dept. but with NO SUCCESS...I have attempted to get this problem solved more than a dozen times. The people in Manila are totally incapable of doing anything but providing a band aid approach in which they reset my log in and password - then the problem arises again - and I end up spending more than two hours - each episode I attempt to get a solution in place. It is beyond frustrating!

I have told the customer" dept that several people log into my acct from two different computers. I am not sure if this causes a problem - but just in case it does I have alerted this dept about this occurrence so that the problem can be addressed and corrected if it is the cause of the problem. STILL NO SOLUTION!

Also, no one will give me a way to contact them directly so that I can follow up with someone that is familiar with this problem. So I end up having to repeat my problem OVER AND OVER AND OVER AND OVER AND OVER AND OVER AND OVER AND OVER AND OVER AND OVER AND OVER - ad nauseum. Oftentimes, I ask to speak with someone in the Website Dept and I NOT transferred there - but instead back to a clerk in the customer service dept - to someone who is not only ignorant of my problem but won't transfer me to the right person in the right dept. I have been given a Reference Number - which apparently has no relevance as when I give this information to someone they act like they have no idea what I am talking about.Desired Settlement: I expect my log in and password to be set ONCE - AND never again so that - when I want to log in to my Online acct. it will continue to work without problems in the future. I DO NOT WANT TO HAVE TO CALL CUSTOMER SERVICE OR WEBSITE DEPT ONE MORE TIME TO ATTEMPT TO RESOLVE THIS PROBLEM. I have wasted so many hours...it is sickening how many times I have had to talk with ignorant people who have no idea how to solve this problem and will not or cannot figure out how to help me.

Here is a list of just two of the call episodes I have had to endure:

9/30: Terrible Conversations

1. [redacted] – worse than terrible! Kept wanting to bandaid the problem rather than fix the problem. When asked to give me her manager – then she gave me a manager NOT in the technical dept. – Transferred me to [redacted] – she refused to transfer me to Technical manager – would ONLY transfer to another Technical clerk!! She refused to give me her ID – but gave me Reference # [redacted]; Went through same REDO process as I’ve done so many times before…

4. [redacted] Mgr Tech Dept. (didn’t speak with her)

5. Spoke with [redacted] seemed competent – said she would escalate to a higher level – not sure what this means. (Dept. Website Assistance)

10/30/13 – [redacted] – Gave acct # - and name – Gave you the need for dept twice…acted like he didn’t listen to when I told him I last called 9/30; - third request to go to webside assistance – then transferred –

Spoke with Summer – Technical Dept. said it is same as Website Assistance = gave her case number then she asked me what case is about- said she couldn’t find case – put me on hold – then said she found it and transferred me to [redacted] in Website Assistance – doesn’t know why transferred – asked to speak w/ supervisor – 7:46 [redacted] is a supervisor there – but not there at this time – will be in at 9 am – I told [redacted]nd asked him to let the manager know of her unwillingness to help me – [redacted] told me [redacted] would call me back today.

Who is in charge of the whole production team – [redacted] – woman –

Transferred to Dispute Dept – after giving [redacted]nfo on who and how much dispute was for – he wasted my time asking me this!

Dispute Dept – [redacted] – Manila – TPMCDELR – Supervisor –

Katherine – transferring me – said he needed to transfer me – after he asked for my acct number – then he said there was an error…said he was transferring me to another person in dispute dept. [redacted] in Manila – took info on dispute – AWEA.org - $125.00. – Case # [redacted] Claim – said I can deduct amt from my balance and to give them 45 days for their investigation. I provided [redacted] with info regarding their misrepresentation of conference content and said I had already requested a refund three times!!! Gave [redacted] name and phone number for reference.

11/1/13 – [redacted] did not call back – [redacted] Manila, provided credit card # – provided her with reference number - transferred to tech support; “relationship manager” – extended hold 11: 31 – 11:41 pm. [redacted] – Provided reference number; not sure what is the reference number; said I have “dispute” issue. I asked to speak with [redacted] – gave my password and date of birth; 11:45 – waiting till 11:49 - [redacted] returned and said “sorry” she doubled checked on my acct and said previous case – arranged call back – not – “my call is being routed to a different agent” I told her to get me another supervisor – 11:51 pm. – she will get me her supervisor. She said [redacted] was supposed to call me back – I told her she hasn’t called back in two days! I told her I had already been on phone for 20 minutes – turfed me to [redacted] OSCALU, Newark, Delaware, 866-928-3106; no extension; Supervisor, customer service; Issue reporting form – internal to website department; Technical assistance – says it is the same – ask for manager 12:05 pm – said they are busy – I asked for Supervisor of Dept. DISCONNECTED! Called [redacted] back – gave her my acct number, birthdate and password, 12:08 pm. Waiting – 12:

Executive Dept: no telephone number – correspondence department. PO Box 8885; Wilmington, DE 19899 –

She said she would call me back on Tuesday, Nov. 5th.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 5, 2013

RE: Frontier MasterCard ending [redacted]

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

It was a pleasure speaking to you regarding your account. As we discussed, we are unable to find any technical issues that would affect your ability to use our online services. Our records indicate that that on several occasions your online account has been locked for security purposes based on multiple incorrect entries of your password. When this occurs, customers must follow the online instruction to unlock the account.

When creating your password, the last five passwords may not be reused. The specific password requirements must be 8-30 characters in length and contain three of the following four categories:

1. Upper Case Letters

2. Lower Case Letters

3. Numbers

4. Special Characters, such as “&” or “#”

We apologize for any frustration that you may have experienced and hope the above information is helpful. Should you encounter any additional difficulty using our website, please contact me directly at [redacted]. My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.

Consumer

Response:

Review: Barclay's Bank advertises with their US Airways World Elite Credit Card that price protection is included for purchases made within 120 days of an advertised lower retail price. I purchased a cell phone that the price was reduced $100 8 days after purchase, and tried to access this protection. Barclays refers the customer to MasterCard, which denies coverage, and refers the customer back to Barclays. After two hours of going back and forth, the last Barclays representative then stated that if MasterCard does not accept the claim, then it "is not covered" (despite language in the customer agreement).Desired Settlement: Honor the customer agreement and provide a mechanism to make the claim.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 23, 2014

RE: Us Airways MasterCard account ending in 7716

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

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

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

Review: They have been reporting me monthly in a negative way to the credit bureaus for FOUR YEARS. I have been denied one mortgage and about to possibly be denied another after they told me they fixed it the error in April of 2013. I was just advised they are still reporting me monthly. I have contacted them numerous times to stop reporting me monthly in a negative way to the credit bureaus. I have been denied one mortgage and about to be denied another because they will not cease reporting. I have contacted the bureaus as well with no assistance. First Premier told me in April of 2013 after the first mortgage denial that it was taken care of. I got a call today from my broker saying they are still reporting monthly. I am in the middle of resubmitting the mortgage loan after all of this was suppose to be cleared up. Why are they reporting me every month when the account is closed and the balance is 0? The account was included in the 2010 bankruptcy. What is my legal recourse for mortgage/credit denial?Desired Settlement: at the least, They need to cease and desist immediately reporting me on a closed account that was included in a 2010 bankruptcy. At the most, I want $40,000.00 for the amount of the mortgage I was denied because of them.

Business

Response:

P.O. Box 8885

Review: I previously had a Virgin America Visa CC for several years. The Virgin America program was terminated and I received notices, both email and snail mail, that I was going to automatically receive the Barclay Card MC instead. I called and opted out of receiving the new card and asked that my account just be terminated when the Virgin American program was over. The woman I spoke to on the phone (several weeks, if not months, before the new Barclay Card was to be sent). She said that was not a problem and confirmed that I opted out. Barclay created the account and sent the card anyway...taking it upon themselves to update my old Virgin auto-bills with my new Barclay card account info. So instead of the card not working once the Virgin America program was over (and vendors asking for another card), it just kept on billing even though I had not authorized this account. There are two charges now on this account....I spoke with the vendors to have them credit the account so that there would be a zero balance. I called Barclay to inform them that this account should be closed and that all monies are being refunded (advised them that this was never authorized to begin with) and ask that they make sure not to have any late fees or finance charges accrue due their error....that all monies would be credited...and they refused. Refused and insisted that I make a payment since the credits would most likely post after the payment due date. I spoke with [redacted], who I was told was a supervisor and she refused to do anything to help. No resolution, no responsibility taken on their part. I have already been charged on another credit card for these charges and the monies have been refunded, but because of the time it takes to post, I am being held responsible having to pay for it twice. This is the WORST customer service. I take responsibility when I make a mistake...this one was Barclay Banks and they're taking no responsibility. Completely unacceptable.Desired Settlement: My payment should be credited back to my bank account and they should wait for the credit from the vendors. They should apologize for the problems this is causing me (amongst a slew of financial issues due to identity theft) and take responsibility for the problem instead of putting it on me. There should be no late fees, no interest charges accrued. I did not screw up...Barclay did and even though it was confirmed by their reps that they screwed up, they are assuming no responsibility.

Business

Response:

P.O. Box 8885

Review: Barclay Card offered 0% for twelve (12) months and 10,000 reward points upon first transaction. Case was opened by Barclay-card and favorable outcome came about to me. Barclay card, a month later, tells me they changed their verdict...I called at least five (5) times to verify outcome and was told points would be in by April 23rd 2014...alot of time and effort has been put into this so they could just brush me off...

case [redacted]Desired Settlement: I just want for the offer to be honored...

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 16, 2014

Re: Barclaycard Rewards MasterCard account ending in 7912

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: The last person [redacted] did not call me back in corporate. I am writing because I am angry. I have been a victim of identity fraud. [redacted] reported my card stolen and remove the charges. Why 3 months later, the charges are back on my account. This company is a scam and trying to frame me for something I didn't do. The card was stolen and replace so why our there unknown charges worth of $5,000. I even sent proof of my identity thefts reports, so why are there still charges. I'm not paying for something that does not belong to me. This company has not sent me receipts and signatures of who these charges belong to. I even called the companies and they told me they don't have any record of me making purchases, so what kind of investigation does Barclay have. Their agents are unprofessional and its against the law to called a customer 10 times a day according to the Fair National Act LAW especially for charges that does not belong to the customer. Barclay needs to fix this issue right away and removed the charges asap. I will not pay for something that does not belong to me. Barclays owes me money for overpayment. Where is my refund check from this credit card????Desired Settlement: The last person [redacted] did not call me back in corporate. I am writing because I am angry. I have been a victim of identity fraud. [redacted] reported my card stolen and remove the charges. Why 3 months later, the charges are back on my account. This company is a scam and trying to frame me for something I didn't do. The card was stolen and replace so why our there unknown charges worth of $5,000. I even sent proof of my identity thefts reports, so why are there still charges. I'm not paying for something that does not belong to me. This company has not sent me receipts and signatures of who these charges belong to. I even called the companies and they told me they don't have any record of me making purchases, so what kind of investigation does Barclay have. Their agents are unprofessional and its against the law to called a customer 10 times a day according to the Fair National Act LAW especially for charges that does not belong to the customer. Barclay needs to fix this issue right away and removed the charges asap. I will not pay for something that does not belong to me. Barclays owes me money for overpayment. Where is my refund check from this credit card????

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 4, 2014

RE: US Airways MasterCard account ending 6426

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

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

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

Consumer

Response:

Review: I logged into my Barclaycard account online and saw a bunch of unauthorized charges to my account so I contacted Barclay support and told them to de-activate the card, they said they did however I continued to receive more charges...so apparently they didn't actually de-activate it, I stopped using my card on 6/21/2014 while awaiting a new card as my card came up missing so I requested a new one, the unauthorized charges I received are as followed:

07/07/14

[redacted]'S #02555.COM

20.00

07/05/14

WM SUPERCENTER #1836

30.36

07/04/14

[redacted]DVD RENTAL

1.27

07/03/14

[redacted] #22671

6.35

07/03/14

APL* ITUNES.COM/BILL

2.11

07/01/14

WESCO #10

1.50

07/01/14

[redacted] 05494 S M

5.59

06/30/14

[redacted] 05494 S M

3.90

06/28/14

[redacted] #22671

5.18

06/28/14

[redacted]'S F32729

5.30

06/28/14

STEAK N SHAKE 5901

8.46

06/28/14

[redacted]'S Q11

6.23

06/28/14

Payment Received

-26.00

06/27/14

[redacted] 05494 S M

1.79

06/27/14

[redacted]'S #02555.COM

8.44

06/26/14

[redacted] #22671

12.71

06/26/14

[redacted] 05494 S M

21.79

06/24/14

SHELL OIL 52100300046

3.66

06/24/14

[redacted] 05494 S M

5.88

06/23/14

[redacted] INC #045 Q01

2.91

06/23/14

[redacted] #22671

2.73

06/23/14

[redacted] INC #045 Q01

35.19

06/22/14

[redacted] #1836

2.09

06/22/14

[redacted]'S F32729

9.06

Totaling $205.50 I only recently received a security message telling me there was suspicious activity going on with my account...a little late if you ask me I really don't see the point if they don't de-activate the card I've been a loyal member of Barclay and hope they will do whats rightDesired Settlement: Void the unauthorized charges to account

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 25, 2014

RE: Barclaycard Financing Visa account ending 4417

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

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

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

Consumer

Response:

Review: 455.00 was taken from my personal checkbook and applied to someone elses credit card I have tried to contact them got a voice mail to leave all personal data and said they would contact me. called twice no one has responded. called the # you gave on here got another voicemailDesired Settlement: compensation

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 17, 2014

RE: Payment made to BarclaycardUS

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 [email protected] or by calling me directly at 866-750-6031, ext. 57197. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday.

Sincerely,