Sharks Success Marketing Enterprises, Inc.

P.OBox
Wilmington,
DE 19899-
January 11,
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RE: AAdvantage Aviator Red MasterCard account ending in
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Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond
We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** *** My office hours are a.mto p.mPT Monday through Friday
Sincerely,
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P.OBox
">Wilmington, DE 19899-
April 14,
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RE: Wyndham Rewards Visa account ending
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Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo 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 takenPlease allow 7-days for delivery by mail
If you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***Our office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
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P.OBox
Wilmington, DE 19899-
May 10,
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RE: Bluegreen Rewards MasterCard account ending in
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Thank you for your additional inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond
We completed the investigation of your additional inquiry and mailed you a detailed summary of any actions we may have takenPlease allow 7-days for delivery by mail
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needsIf you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***My office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
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P.OBox
Wilmington, DE 19899-
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April 28,
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RE: Barclaycard Financing Visa account ending in
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Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo 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 takenPlease allow 7-days for delivery by mail
If you do not receive the detailed response or have additional questions, please contact our office at *** ** ** *** ** *** ** *** *** ***Our office hours are 8:a.mto 8:p.mET Monday through Friday
Sincerely,
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P.OBox 8885Wilmington, DE 19899-8885 October 7, 2015 *** ***
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*** ** *** RE: Barcalycard Visa account ending
in 7463 *** *** *** Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** *** Our office hours are 8:a.mto 8:p.mET Monday through Friday. Sincerely,

P.OBox 8885Wilmington, DE 19899-8885 August 8, 2015 *** ***
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*** ** *** RE: Juniper Platinum MasterCard account
ending in 1114 *** *** *** Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** ***Our office hours are 8:a.mto 8:p.mET Monday through Friday. Sincerely,*** ***
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P.OBox
Wilmington, DE 19899-
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August 30,
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RE: Barclaycard with iTunes Rewards Visa account ending
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Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo 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 takenPlease allow 7-days for delivery by mail
If you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** *** My office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
*** * ***
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CC: Revdex.com of Delaware

POBox 8885Wilmington, DE 19899-8885December 10, 2015*** ***
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*** ** ***RE: Priceline Visa account ending 4913*** *** *** Thank you for your additional inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respondWe completed the investigation of your additional inquiry and mailed you a detailed summary of any actions we may have takenPlease allow 7-days for delivery by mail.Providing an exceptional experience is our goal and we regret if our previous response did not meet your needsIf you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***My office hours are Monday through Friday, 8:a.mto 8:p.mETSincerely,
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Statements made to me by Barclays are unreasonable, unfair and moreover are NOT industry standards for credit-issuing agencies. In 30+ years I have enjoyed lines of credit, I never ever had any kind of credit - revolving or otherwise - engage in the practices that Barclays does. My ability to pay remains the same as it was, and the reasons stated for reducing the credit limit which I had held for a very long time are BOGUS and manipulative justifications. I had a perfect payment history and there was no indication or legitimate reason to reduce the credit limit. I was not given notice EVER that payment of my balance in full might result in complete loss of that credit!!!
Basing credit limits on a daily review of credit scores is ludicrous, and Barclays in effect can manipulate one's credit score to it's own advantage. By lowering my credit limit after FULLY paying off the card, Barclays impacted (i.elowered) my credit score further thus justifying their rationale for a lower limit.
The reasons given for the hold are also complete and outright lies. I have worked for banks for years in the IT department and transfers of funds are near instantaneous. Once the funds leave the account, usually within the same day, there is no way to "reverse" the transfer as Barclays claims. My bank even confirmed that the funds left my account within hours of the scheduled ACH payment, and were irretrievable by me. Barclays DELIBERATELY engaged in delaying tactics to give themselves time to reduce my previous long-standing credit limitthus ensuring the payments went to Barclays coffers and would not be lent out again in the form of new charges to the same consumer account.
I have worked in IT departments for VISA, *** *** *** *** *** *** *** ** *** for years. Either by online transaction updates, or batch cycles which normally run as frequently as every minutes (up to hourly), account balances are updated nearly instantaneously. Barclays is clearly lying and attempting to crush consumer rights, sweeping matters such as these under the rug with non-standard business practices and deceptive statements made to justify those practices
Despite any "agreement" for issuing the card, Barclays had no right to allow the credit limit I had for so long without question, then arbitrarily remove it after I paid the balance in good faith, in full. I received NO notification that this would occur, and never would have agreed to this sort of behavior. The numerous and frequent complaints against this company and their practices should not be ignored

P.OBox
Wilmington, DE 19899-
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December 5,
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RE: Barclaycard Rewards MasterCard account ending in
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Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo 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 takenPlease allow 7-days for delivery by mail
If you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***My office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
*** ***
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CC: Revdex.com of Delaware

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
I don't accept this responseI left four voicemail messages over the course of a week for *** *** on the number she provided, which were not returnedThis mirrors the voicemails and faxes which went unreturned to Barclay's customer service department prior to my complaint the the Revdex.comIn those voice messages I relayed and reiterated my offer to fax a correct credit report to Barclay'sFurther, I notified *** *** that I received a total of four (4) of the form letter rejection slips declining my application, which leads me to believe Barclay's Bank pulled my credit a total of four times or more, which they were not authorized to do
After all of this nonsense, they still have not addressed the fact that they declined my application based on incorrect informationI verified the information was incorrect on the phone to a customer service associate who did nothing to remedy the problem and denied my offers to assistMy credit is flawless, my income exceeds $100,a year and I just paid off two credit cards and a vehicle loan entirelyI think this company is ridiculous for rejecting my application on a business levelAdditionally, I feel they have violated the Fair Credit Reporting Act by rejecting me based on inaccuracies in my credit reportIf I can prove this in court, I will sue for damages
While I realize Barclay's can't be responsible for information on a credit reporting agency's report, they ARE responsible for addressing customer service complaints, which I don't feel they have done in this caseSince Barclay's refuses to grant my credit application and continues to deny me based on incorrect information, I have no choice but to file complaints with the Federal Trade Commission and the Attorney General of DelawareFurther, I will forward this communication to my attorney and move forward on her counsel

P.OBox
">Wilmington, DE 19899-
December 11,
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RE: Barclaycard Financing Visa Card account ending
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Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo 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 takenPlease allow 7-days for delivery by mail
If you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***Our office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
*** ** ***
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P.OBox
Wilmington, DE 19899-
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August 04,
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RE: Inquiries from Barclays Bank Delaware
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Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond
We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** ***My office hours are a.mto p.mPT Monday through Friday
Sincerely,
*** * ***
*** ** *** ***

P.OBox 8885Wilmington, DE 19899-8885 September 14, 2015 *** ***
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*** ** *** Re: Barclaycard Rewards MasterCard Account ending in 9713 *** ***
*** Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** *** Our office hours are 8:a.mto 8:p.mET Monday through Friday Sincerely, *** * ***
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
select
Problem:
Approximately months ago, my Barclaycard Arrival account was closed without any prior noticeI've been a loyal customer for many years now, and I've never had any issues beforeThe sudden closure of my account left me unable to redeem my remaining miles that I rightfully earned from my spendingPrecisely 89,miles were unjustly taken from meI've tried to call and speak to a Barclaycard representative, and even went to the extent of speaking to the supervisorAll efforts were in vain, and resulted in no solution to my predicamentTranslate
Desired Resolution / Outcome
Desired Resolution:
Refund
select
Desired Outcome:
I need to be compensated for the 89,miles that they aren't allowing me to redeem

P.OBox 8885Wilmington, DE 19899-8885 July 24, 2015 *** ***
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*** *** ** *** Re: Barclaycard Financing Visa account ending 9758 *** ***
*** Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond We have fully investigated your inquiryWe have sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** *** My office hours are 8:a.mto 8:p.mET Monday through Friday Sincerely,*** ** ***
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My experience with Barclaycard over the last month can be described as nothing short of a nightmareIn January 2015, I went into an Apple store to purchase a Mac laptopThe salesman helpfully suggested that I purchase the computer by using a Barclaycard VisaHe went on to explain that it was extremely simple to qualify for the line of credit and - the best part - I would not be charged interest for months
I was quickly approved for the Barclaycard, made my purchase, and began making regular, on-time payments every monthIn September of 2016, I was distressed to learn that my balance had jumped up by $- despite the fact that I had not used the line of credit for anything other than the original laptop purchase
When I called to inquire about the discrepancy, I spoke with Rene in customer serviceShe quickly pointed out that my no-interest 18-month window had closed and, because I hadn't satisfied the entire balance, I was now being hit with the full period's interestI explained that I had not been given any warning that the period was ending and was not advised of the substantial balance increase (the full total having ballooned well past what I originally owed)Further, I said that had I known what the true cost would be I either would have satisfied the total balance or, more likely, never used the account to begin with
When a resolution could not be reached, I was transferred to supervisor Bianca who reiterated that it was my responsibility to keep track of my account and the terms to which I had agreedWhen I asked about the company's responsibility to me, the customer, I was told that adequate information had been provided to me when I made the purchase months earlierShe said there was nothing that could be done to resolve the matter and I was then transferred to an escalation manager, Tim, located in Nevada
Tim was sufficiently condescending in assuring me that nothing could be done and that the blame lay entirely on meHe further encouraged me to revisit the terms of my agreement so that I could verify the point he was trying to makeAs a means of placation, Tim voluntarily offered to drop my interest rate from 20% to just over 16% and I explained to him that was not going to adequately resolve the matterWhen asked about further escalating the issue, Tim informed me that he worked directly for the office of the president (though not actually in the office) but had no direct supervisorWhen asked about contact information for the o.o.p., he said they could only be reached by fax or postal mail (?)
After taking Tim's advice, I found and carefully read the terms of my agreementThe most disturbing part of the agreement was the fact that there was no definitive interest rate set when I was approved for the line of credit (carefully-worded language offered anywhere from 8% to over 20%)I then called Barclaycard customer service and spoke with MargaretMargaret said that the interest rate was not based on my credit score and there was nothing that could be doneI then was transferred to Linda in retentions, for reasons not adequately explained, who confirmed that the interest rate was not based on my credit and that she could offer me a rate drop to just over 16%When I asked how the company was authorized to apparently arbitrarily adjust my rate, she said this was what was promotionally availableShe also said she did not know how the interest rate was calculated
I was then transferred to supervisor Haunani, who said that she did not know how the interest rate was calculated but it definitely had nothing to do with my credit scoreWhen asked about the Office of the President info I'd received from Tim, she said this was inaccurateShe went on to suggest that he was simply avoiding providing me with the information I requested and that he did, in fact, have a supervisorWhen asked for the o.o.pinfo, Haunani quickly said she didn't have it and then said there was no one else for me to speak to, other than someone in credit analysis (?)I found the office of the president contact information after about ten seconds from an internet searchAfter calling and holding for minutes, I was prompted to leave a message - which I did - and was assured that I would receive a call backThis was on September 23rd and I have not, as yet, received a call back (today is October 5th)
The company's position - as far as I can tell - is that I have no recourse in resolving a relatively small matter of $When I consider the personnel required to fail to resolve the issue - at least representatives over the course of hours - I'm left to wonder just what Barclaycard is hoping to achieve by roadblocking a resolution
I am further left to speculate that Barclaycard's customer approach, from what I gather from my customer service interaction and researching similar consumers' experiences, is as follows:
- Entice customer to use a too-good-to-be-true credit offer to make a purchase, using trusted Apple employees to bait the hook
- Lull customer into a sense of comfort by allowing extremely low monthly payments, spread over an extended period to ensure any urgency over swelling interest rates will dissipate
- Bolster customer complacency by encouraging paperless billing, removing the issue from the individual's priorities
- Provide no substantial warning to the customer that the promotion is coming to an end (despite having the ability to send and, in fact, continuing to email customer correspondence)
- Maximize financial return by charging an exorbitant interest rate, inflating the original product purchase
- Offer customer misinformation through selectively-trained and ill-informed customer service personnel, hoping frustration and stone-wall tactics will ground the individual down into submission
- Instruct escalation personnel that contact information to the Office of the President is not to be provided to further exacerbate the customer
Morally and, to some extent, legally, Barclaycard is exploring a very gray areaI am shocked that a company cares so little about their customers' continued loyalty and - at minimum - transactional usefulness that they are willing to disregard what is a valid concernThe mere fact that I have received contradictory and, in some cases, information, is enough to make a more serious inquiryI will not be using Barclaycard for any future purchases and will openly discourage friends and family from participating in any such programs

P.OBox
Wilmington, DE 19899-
May 20,
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RE: Carnival MasterCard account ending in
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Thank you for your additional inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond
We completed the investigation of your additional inquiry and mailed you a detailed summary of any actions we may have takenPlease allow 7-days for delivery by mail
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needsIf you do not receive the summary, or have additional questions, please contact our office at *** ** *** ** *** ** *** *** ***My office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
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P.OBox
Wilmington, DE 19899-
June 29,
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RE: Inquiries from Barclays Bank Delaware
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Thank you for your additional inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond
We completed the investigation of your additional inquiry and mailed you a detailed summary of any actions we may have takenPlease allow 7-days for delivery by mail
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needsIf you do not receive the summary, or have additional questions, please contact our office at ***, or call me directly at *** *** *** My office hours are Monday through Friday, 8:a.mto 8:p.mET
Sincerely,
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P.OBox
Wilmington, DE 19899-
March 21,
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Re: NFL Extra Points Program Visa Account
ending in
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Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of DelawareTo ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond
We have fully investigated your inquiryUnder separate cover, we sent you a detailed response of the investigation and any actions we may have takenPlease allow 7-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 *** ** ** *** ** *** ** *** *** *** My office hours are normally 9:a.mto 6:p.mET Monday through Friday