BBB Logo

Better Business Bureau ®
Start With Trust®
In Delaware Serving New Castle, Kent and Sussex Counties

BBB Accredited Business since

Barclays Bank Delaware

Find a Location

Phone: (302) 622-8990 View Additional Phone Numbers 125 S. West Street, Wilmington, DE 19801 View Additional Email Addresses http://www.barclaycardus.com

BBB Business Reviews may not be reproduced for sales or promotional purposes.

BBB Accreditation

A BBB Accredited Business since

BBB has determined that Barclays Bank Delaware meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Find a Location

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Barclays Bank Delaware include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 969 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.


Customer Complaints Summary Read complaint details

969 complaints closed with BBB in last 3 years | 272 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 98
Billing/Collection Issues 479
Delivery Issues 15
Guarantee/Warranty Issues 4
Problems with Product/Service 373
Total Closed Complaints 969

Additional Complaint Information

Barclays Bank Delaware would like to work with you.

Please contact a member of our Office of the President at the following:
Email: ExecutiveOffice@barclaycardus.com
Phone: 1-866-750-6031
Mail: Office of the President
PO Box 8885
Wilmington, DE 19899-8885

Please understand that you can file a complaint with the BBB now or at any time during this process.

Customer Reviews Summary Read customer reviews

1 Customer Review on Barclays Bank Delaware
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 1
Total Customer Reviews 1

Additional Information

top
BBB file opened: January 11, 2001 Business started: 10/24/2000
Licensing

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

Licenses, Division of Revenue
820 N. French Street, Wilmington DE 19801
http://www.state.de.us/revenue
Phone Number: 302-577-8778
Fax Number: 302-577-8203

Type of Entity

Corporation

Business Management
Mr. Amer Sajed, Chief Executive Officer Mr. Patrick Wright, Chief Operating Officer
Contact Information
Principal: Mr. Amer Sajed, Chief Executive Officer
Principal: Mr. Patrick Wright, Chief Operating Officer
Business Category

BANKS CREDIT CARDS & PLANS

Alternate Business Names
Barclaycard US Barclays Group Juniper Bank Juniper Financial Corp
Additional Information

Barclays Bank Delaware would like to work with you.

Please contact a member of our Office of the President at the following:  
Email: BCUSOfficeofthePresident@barclaycardus.com
Phone:   1-866-750-6031
Mail:       Office of the President                
PO Box 8885                
Wilmington, DE 19899-8885

Please understand that you can file a complaint with the BBB now or at any time during this process.

Industry Tips
Credit- How to Establish It

Additional Locations

  • 1007 Orange Street

    Wilmington, DE 19801

  • 125 S. West Street

    Wilmington, DE 19801 (302) 255-8000

  • PO Box 26182

    Wilmington, DE 19899

  • PO Box 8746

    Wilmington, DE 19899

  • PO Box 8801

    Wilmington, DE 19899 (866) 484-2614

  • PO Box 8802

    Wilmington, DE 19899

  • PO Box 8803

    Wilmington, DE 19899

  • PO Box 8828

    WILMINGTON, DE 19899

  • PO Box 8885

    Wilmington, DE 19899

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 1534

    Deposit, NY 13754

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 7718

    Philadelphia, PA 19101

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 13337

    Philadelphia, PA 19101

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 84030

    Coumbus, GA 31908

  • THIS LOCATION IS NOT BBB ACCREDITED

    5725 Mark Dabling Blvd #140

    Colorado Springs, CO 80919

  • THIS LOCATION IS NOT BBB ACCREDITED

    220 N. 2200 W.

    Salt Lake City, UT 84116

  • THIS LOCATION IS NOT BBB ACCREDITED

    124 NW Franklin Ave.

    Bend, OR 97701

  • THIS LOCATION IS NOT BBB ACCREDITED

    164 NW Hawthorne Ave Ste 101

    Bend, OR 97701

  • 1
X

What is a BBB Business Review?

We offer free reviews on businesses that include background, licensing, consumer experience and other information such as governmental actions that is known to BBB. These reviews are provided for businesses that are BBB accredited and also for businesses that are not BBB accredited.

X

About BBB Business Review Content & Services:

Some Better Business Bureaus offer additional content & services in BBB Business Reviews.
The additional content & services are typically regional in nature or, in some cases, a new product or service that is being tested prior to a more general release.
Not all enhanced content & services are available at all Better Business Bureaus.

Professional AffiliationsX
X

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.

X

BBB Complaint Process

Your complaint will be forwarded to the business within two business days. The business will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the business's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.

X

What is BBB Advertising Review?

BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to prove their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.

X

What government actions does BBB report on?

BBB reports on known significant government actions involving business' marketplace conduct.

X

Thank you for your feedback!

Help us improve by taking our survey.

X

BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.

X

Additional Phone Numbers

  • (302) 255-8000(Phone)
  • (302) 255-8888(Phone)
  • (866) 283-6635(Phone)
  • (866) 419-1030(Phone)
  • (877) 408-8866(Phone)
  • (866) 823-8178 (Fax)
X

Additional Email Addresses

  • - Communication/Mass Email
  • - eQuote
  • - Sales
  • - Mobile Phone SMS
Find a LocationX

  Change Location
Show Only Accredited Locations


Complaint Detail(s)

7/21/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have applied for a Barclays Arrival Plus credit card. I was undecided between ***** 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-********. I spoke to ********* employee** *****. 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 ******* *********. 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 ********** 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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/15/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My husband and I have overextended ourselves financially and as well he has been ill, hospitalized and we have fallen behind on many of our bills, especially credit card bills. Some of our creditors, especially **** ** ******* have been very good at working with us. Barclay card services however have not been as helpful. The persons I have spoken with read their instructions off their computers and have no way of making any decisions to help a person get caught up. I was repeatedly told last night by a manager that I did not qualify for a reduced interest rate (currently paying aprox 25%). I asked how I could qualify and was told that he did not have access to that information and no one there did. Very frustrating!!!!!

Desired Settlement: I would like for this bank to have a program to reduce interest rates and set up payment plans for delinquent accounts. I understand of course that the account would be closed. This would be much better for all involved than bankruptcy!!

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 27, 2014
 
 
 
****** ****** *** ********* ***** *********** ** *****
 
 
RE:         Bluegreen Rewards MasterCard account ending 8745
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ******  My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/11/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I received an offer in the mail in November 2013 from ** ******* doing business through Barclays Bank for the Premier World Mastercard offering zero percent APR on purchases and balance transfers for the first 12 months. I went online and applied for the card. Once approved, I received the card and the terms and conditions in the mail. The terms and conditions mirrored the offer letter I received stating zero percent APR for the first 12 billing cycles and then 15.99% to 20.99% APR thereafter. However, as soon as I used the card and received my bill I was being charged interest. I called and spoke with a customer service representative at Barclays Bank in January 2014 and was told that I only qualified for zero percent on balance transfers. I explained that I had the terms and conditions as well as the offer letter stating it was zero percent for both balance transfers and new purchases. Barclays Bank requested I fax them a copy of the terms and conditions I received and I did right away. Each month since January I have been charged interest on new purchases and each month I call and speak with a customer service representative. In March I was told that the interest charges were going to be refunded and that they would honor the zero percent on new purchases as my terms and conditions state. The charges for March were reversed. However, when I received my bill for April, the interest charges for March were back on my account and I was again being charged interest. I called and spoke with a customer service manager who was very rude and demanded I send a copy of the terms and conditions again. The company now refuses to honor the terms and conditions I received with my credit card.

Desired Settlement: I would like the interest charges I incurred for the months of December 2013 - May 2014 refunded and the company to honor the terms and conditions.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 25, 2014
 
 
 
****** ******** ***** ***** **** ***** ****** ********** ** *****
 
 
Re: US Airways MasterCard account ending 7915
  **** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/10/2014 Billing/Collection Issues
7/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I received a promotion letter which declared 0% on balance transfer and purchase for 18 months. I applied over through internet as mentioned on letter. I ended up receiving a credit card offering no such benefits. I believe it was a false advertisement and misled consumers.

Desired Settlement: Received card which offers such benefits as mentioned on advertisement.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
July 1, 2014
 
 
 
**** ****** ***** **** ********* *** ********** ** *****
 
 
Re:       Barclaycard Rewards MasterCard Account ending in 4217
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

7/2/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I don't know what to do anymore. I have two credit cards with Barclay and I closed one account in January. I closed my Barclay Arrival card in January of this year. Barclay acknowledges that my Barclay Arrivals account is closed and indicates this on their website but yet they accept credit card charges and keep apply late fees. I am so frustrated and at my wits end. I paid today because I have excellent credit and am afraid but charges incurred after I closed the account. I have contacted the company at least ten times on this. I want to close this account and will likely close my other Barclay card as a result of this but am concerned that they will just keep charging me even with a closed account - this seems ridiculous and absurd. Please help.

Desired Settlement: I would like a refund of my charges and a guarantee in writing that I will no longer get charges on a closed account. I am not trying to use the card - it has long since been destroyed. PLEASE help me. Thank you, ***** *********

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 27, 2014
 
 
  ***** ********* *** *********** **** *********** ** *****
 
 
RE:         Barclaycard Arrival MasterCard account ending 2027
 
**** *** **********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ***** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.   Not really happy with it but just want it to end.

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

7/1/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: This credfit card company has changed the terms of the agreement after enrollment. (I have a copy of their terms). I have attempted to resolve this with there customer realtions department, but have only gotten automated BS responses from there customer relations department. They have blantanly misrepresented the credit card program and have commited fraud with my enrollment.

Desired Settlement: I want the following: The 40,000 eraly return Miles ( otulined in the ******* ******** Brochure) along with the bonus 500 in filght credit towards my Fronteir Early returns account as detailed in Frontier promtional brochure along with the current balance of Early Reurn Miles of 509 miles, and as a Goodwill Gesture for my time & Effort for attepteing to resolve this misrepresentation issue, for Barclay's to pay may annual enrollment t fee of $69.00 for calaender year 2014. But MORE IMPORTANTLY I WANT A CALL BACK FROM A MANAGER AT BARCLAY"S WHO CAN MAKE DECISION'S On behalf ogf the company to resolve this issue nad discuss the POOR HANDLING FOLLOW UP AND RESOLUTION of the is matter.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
June 24, 2014
 
 
 
***** ******** ** ******* **** ********* ** *****
 
 
RE:       Frontier MasterCard account ending 5618
           
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

7/1/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay Bank is the most incompetent Bank. We were just informed today that this dispute was closed out due to "unable to assist". This Bank wants for the Consumer to pay for an item that was sent back to the Merchant (documentation,provided via federal express). This is my last attempt before I contact legal services. Customer Service Issues-See BelowI have been informed to forward this complaint by; **** ***** ******** ** ******** ******** *********.Full refund not completed!I made two Purchases while I was On Board the ******** ********* on 11/16/2013(Booking * ******). I returned both Art pieces because they were damaged. I have had the absolute worst experience with both ******** Customer Relations Department and The Art Department in obtaining a Full Refund.In the Past I spoke to ******** Customer Relations including Manager Kari Baker, ******** Fine Arts regarding my damaged items, unreturned phone calls, and/or refunds on 12/2013 & 03/2014Today, I spoke to ********* ** *****- ******** and she attempted to transfer me to Customer Relations however, Customer Relations refused to take my call and informed her to have me call *************** ********* did state that she did show a refund owed to me in the amount of $ 2,401.80. I called that telephone number and spoke to ******* and she had no idea how to help me. I left a voicemail message for manager **** to return my call.I have spoken to Reservations, to Customer Relations, to ******** Fine Arts, to ******** **** ***** to leaving voicemails for S**** ********** ****** Supervisor ******** Customer Relations.

Desired Settlement: Immediate attention to dispute(s). *********** **********

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 17, 2014
 
 
 
******** ****** **** ** ******* ***** ************ ** *****
 
 
RE:         Princess Rewards Visa account ending 3647
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: There was a inquiry made on my credit on 6/11/2013 that I did not authorize. Can this please be removed?

Desired Settlement: remove unauthorized inquiry made on 6/11/2013

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
June 23, 2014
 
 
 
**** **** ***** ******** ***** ****** ******** ** *****
 
 
RE:       Credit Card Inquiries
           
**** *** *****
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Thank you

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/30/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently joined the ** ******* credit card serviced through Barclays and I was promissed 40,000 miles to join I also tranfered a balance for additional miles. It has been several months and I the miles offered for joining have not been creditied to my frequent flier account ************ I have not been able to get a response from them and ** ******* tell sme to keep checking as they said it should have been there by now.

Desired Settlement: I expect the 40,000 points to be creditied to my frequest flier account and an additional 10,000 miles credit due to the time I have spent following up on this.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 13, 2014
 
 
 
******* ****** ***** ******** *** ***** ********** ** *****  
 
RE:         US Airways MasterCard account ending 4833
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In Feb. of 2013 I paid my bill using my bill pay service through my bank as I always have and they lost my payment. After 2 months they found it and credited my account. Now they have done the same thing. On April 21 I paid my Barclay bill again using my bill pay system, as always, the due date was May 01, and yet again they lost my payment. I contacted them on May 12 once I was made aware of this problem and they were no help and wanted me to pay the $25.00 late payment to make my account not show it was over due. I refused because I did not owe it. I got a fax number from the person I was talking with and spoke with my bank which shows that the check they sent barclay had been cashed on April 29th and had them fax it to barclay. Once I did that my husband and I started receiving calls from barclay stating that my account payment was overdue. I called very upset and told them that my payment was not over due that they had received the payment and cashed it and that my bank had faxed them stating that. They said they had opened a case to find the missing payment but had no proof that I had made it and again wanted more money to get my account in good standing. I have spoken even with a supervisor to try to get this matter settled but feel that they could care less. So I spoke with my bank again and had them get involved to find out where my payment went. I did that on May 25, I called Barclay again on the 29th to see if it had been taken care of yet and it is still under investigation. They have received proof from my bank showing that it was paid and the check sent by my bank was cashed but refuse to settle this matter. I feel like there is nothing more that I can do to settle this matter.

Desired Settlement: I just want my account to be settled, I work very hard to keep my credit in good standing and feel as though they do not care about me or the money they keep asking for from me. So I also want an apology and for my account to be in good standing.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 9, 2014
 
 
 
****** ***** *** **** **** *********** ** *****
 
 
RE:       Bluegreen Encore Dividend Rewards account ending 9501
           
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: We have been Travelocity AMEX customers since 2007 and have been really happy with the card until the past year or so. Something has changed on our account and the fraud parameters have been tightened so much we are anxious about using our card at our local grocery store with the possibility it will be denied as a precaution. This started a while back and I'm not sure what changed on our account but this is the most sensitive card I have ever had. It rejects charges consistently on a monthly or twice a month basis when we are making very normal charges. I always call in and spend a lot of time retelling the story of what happened and usually after the supervisor sees that it was overly sensitive they give me some type of credit with points or waiving interests and always promise they will send my account off to be reviewed to see if the fraud parameters can be loosened so that my card is not consistently being denied and we will be able to use our card with confidence. My preference is to have the fraud parameters removed from my card completely if there is no way to tweak them or loosen them so it doesn't deny transactions. We have had our card denied at restaurants, grocery stores and other retailers. This is a very embarrassing event to have a card denied especially when at dinner with friends or family and knowing that you have 10's of thousands of dollars available on the credit line everyone gives you that look like I didn't pay my bill or something and I'm a dead beat. This also happens regularly at our local Walmart in the city we reside in. It happens there all the time. It is humiliating to have this happen so often at our local grocery store when we are just trying to buy groceries for the week. The managers and supervisors in the past have always given me credits and some type of compensation when I call in to complain about the denials and promise it will get sent off and hopefully fixed but it appears that it is not possible to fix this or it hasn't made it to the right person. I would prefer to keep my card and continue to use it as we do like the card but I am at my limit and will not continue to use it if this situation is not addressed and fixed. I don't want to have to think about if its going to be declined or not when making normal charges. We feel like we spend a lot of money on this card and spent over 100k on it last year and over 500k in the past few years. I know other banks would like to enjoy all the transaction fees that comes with this many charges. The most recent occurrence was this past Friday the 23rd at Walmart. My wife and I had a baby on the 12th and this was literally the first time my wife had left the house to get out for a few minutes and we went to Walmart while my parents watched our baby and other kids. We were just going to do some grocery shopping and pick up a few things for the baby. We spent a little over $220 which is about $50 more then we usually do but when you spend 100k a year on a card I wouldn't think anyone would bat an eye at $220 but Barclay seems to think it was a fraudulent call even after the notes on the account clearly state to let transactions go through on this account. The transaction was denied and my wife and I were embarrassed in front of the cashier and other customers waiting in line behind us. I cracked an insecure joke to make the situation light and gave them another card that processed the transaction without problem. I didn't hear anything from Barclays all night and the next morning I was trying to get the kids out to a tball game and I get an automated call asking if I authorized the transaction which of course I said I did and it said my card was active again. My first thought is if it was really a precaution for fraud why would they wait until the next day to contact me to warn me of the fraud? I didn't get a chance to call in and complain about this ongoing problem until today. I called in and spoke to a female first level response who basically sounded like a robot and stated it was a precaution and sorry for the inconvenience. I asked to speak to a supervisor because not only did I want the points from that transaction that was mistakenly denied I also wanted points or something to compensate me for the embarrassment at the grocery store, dealing with the call when trying to get out the door for the tball game and for having to call in and explain the issue with the card. I was transferred to supervisor ***** ******** **** *****E and he was a robot as well who could only say he was sorry but there was nothing he could do. I told him that was a lie and that every time this has happened I have been given points and a request has been sent out to a group that would research it to try to prevent it in the future but this fell on to dead ears with ***** and he said some options would be, get this, "for me to call Barclays before I go to the grocery store and tell them I am going there and to please approve the grocery transaction. I thought he was joking but he wasn't so I said please think about what you are saying your asking me to call you guys before I make transactions so you guys can approve grocery chargers every week or several times a week. I told him that is not a solution. He also told me to have the merchant call Barclays at the time of the denial and that would allow them to approve the charge. Although I understand this I tried to get him to understand that after they ring up all of our items there are people ready to check out and nobody wants to wait for me to tell them to hold on so we can have it preapproved it will only take 10 to 15 minutes. That would probably get me ran out of town. I don't think either of those are real solutions as they both require me to spend unnecessarily extended times when I'm trying to buy groceries on a card I spend 100k a year on. I have asked many times to have the fraud kick in at $500 or 1k but not $200 dollars. He basically would not budge and wouldn't even give me points for the transaction that I was denied making. I requested for 5k in points as this was given to me in the past for this very same situation. Now that I have spent this much time writing this up and all the time on the phone I am requesting 50k in points to make the situation right. My true goal is to get it where my card will not deny me for normal charges and I can use it with confidence. I am going to give it till the end of the summer and if it keeps happening and nobody is going to compensate me I'll be forced to take my business elsewhere.

Desired Settlement: 50k in travel points is desired for the above issue.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 12, 2014
 
 
 
**** ****** **** ********** **** ***** ******* **  *****
 
 
RE:       Travelocity Rewards American Express account ending 1915
           
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclay Card Delaware charges astronomical interest rate of 30+% once one payment was late. I have made efforts by contacting customer service regarding lowering my rate to help pay my balance off, but representatives say they do not lower interest rates. I have even inquired about entering a credit counseling service to pay off the debt/lower the rate and I was told Barclay's does not participate in any of these programs.

Desired Settlement: I would like my interest rate reduced to a more manageable APR...19.9%? I do not think that is too much to ask. I would also ask that previous month where I was charged 30% APR interest be credit to my account to reflect the new rate.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 11, 2014
 
 
 
***** ******* *** **** **** **** ***** **** ****** ** *****
 
 
RE:      US Airways MasterCard account ending 1964
           
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Have literally spent hours over the telephone with Customer Service, Disputes, Disputes Back Office, Supervisors and I am still not able to get my dispute resolved.(Poor Customer Service)

Desired Settlement: A telephone call from someone who is qualified is able to fully document and process this dispute. please see details... COMPLAINT ACTIVITY REPORT Case * ****** *** ** *** ******* *** ******* ****** ******** ***** ******* ****** ******** ***** ******** ******* ** *** ****** ******** ** ***** * *** ******** *** ******** ***************** Location Involved: (Same as above) Consumer's Original Complaint : Full refund not completed! I made two Purchases while I was On Board the ******** ********* on 11/16/2013 (Booking * ******). I returned both Art pieces because they were damaged. I have had the absolute worst experience with both ******** Customer Relations Department and The Art Department in obtaining a Full Refund. In the Past I spoke to ******** Customer Relations including Manager **** *****, ******** Fine Arts regarding my damaged items, unreturned phone calls, and/or refunds on 12/2013 & 03/2014 Today, I spoke to ********* at 1-800- ******** and she attempted to transfer me to Customer Relations however, Customer Relations refused to take my call and informed her to have me call *************** ********* did state that she did show a refund owed to me in the amount of $ 2,401.80 I called that telephone number and spoke to ******* and she had no idea how to help me. I left a voicemail message for manager **** to return my call. I have spoken to Reservations, to Customer Relations, to ******** Fine Arts, to ******** **** ****, to leaving voicemails for ***** ********** Cruise Supervisor ******** Customer Relations. After taking all the above into account it is not an unreasonable request to ask for compensation for my wasted time and efforts! Respectfully, ****** ****** Consumer's Desired Resolution: After taking all the above into account it is not an unreasonable request to ask for compensation for my wasted time and efforts! BBB Processing 04/23/2014 web BBB Case Received by BBB 04/24/2014 RN BBB Case Reviewed by BBB 04/24/2014 Otto EMAIL Send Acknowledgement to Consumer 04/24/2014 Otto EMAIL Notify Business of Dispute 05/06/2014 WEB BBB RECEIVE BUSINESS RESPONSE : May 6, 2014 Better Business Bureau RE: Caribbean ******** - **** - November 16, 2013 Booking ****** ******* ****** *** ******** ****** Complaint Number ****** To whom it may concern: I am in receipt of a copy of the additional complaint ******** registered with the Better Business Bureau regarding the above noted booking. I would like to take this opportunity to further address the concerns *** ****** has raised. I am truly sorry to learn of *** ******'s continued disappointment with the circumstances regarding his art purchase onboard the above noted reservation. I regret *** ******'s has been dissatisfied with the service he has received from **** ****. **** **** is the independent operator of our fine arts onboard our sailings. I kindly ask that *** ****** continue to work with **** **** regarding his refund. I appreciate the opportunity to address this matter. Until I may be of further service, I send our kind regards. Sincerely, **** ***** ******** *********** ******** ********* 05/06/2014 RN EMAIL Forward Business response to Consumer 05/07/2014 WEB BBB BBB REVIEWS CONSUMER REBUTTAL TO BUSINESS RESPONSE : (The consumer indicated ***** DID NOT accept the response from the business.) I have attempted for **** **** to assist in this matter, with no success. This charge came from when I was on board, ******** Cruises. If this charge does not get fixed immediately especially since all art has been returned I will be hiring an attorney for all parties involved. ****** ****** 05/07/2014 RN EMAIL Forward Consumer Rebuttal to Business

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 17, 2014
 
 
 
****** ****** **** *** ****** ******** ** *****
 
 
RE:         Princess Rewards Visa account ending 6715
 
Dear Mr. Conejo:
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/23/2014 Problems with Product/Service
6/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Remove from mailing list. Solicitation received from **** *** ***** ************* ** **********. I don't do business with solicitors in any way, shape, or form.

Desired Settlement: Stop contacting me in any way, shape, or form. I don't do business with solicitors.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 5, 2014
 
 
 
****** ****** *** *********** **** ******** ** *****
 
 
Re:  Marketing Solicitations from Barclays Bank Delaware
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: In 2008 my job closed, at that time I had insurance that would make my payments I sent back a form and letter showing my employment status. Did call several time and advised received and all would be ok. My balance may have been little over 1, 000. The young lady said that it should be paid off if I dont find work. I called and was advised all was good. If there was anything else would let me know. I didntfind a job until 2010. Never received mail or a calland this number been available now ofr 16 yrs. I may owe somthing but shouldnt be over 2,000. I paid the insurance. Noe they want to garnish my wages for this. I would have made arrangements but never got the opportunity. I had to move just to work again now this. So upset just starting to get back on track and if I knew the insurance wasnt what it seemed could have paid.

Desired Settlement: To give me the chance to settle or make arrangments..also to honor the insurance I was paying for and charge me the rest.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 24, 2014
 
 
 
******* ******** *** ********* ***** *** ******* ** *****
 
 
RE:       US Airways MasterCard account ending 1195
           
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/17/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/16/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I've started having problems with my BarclaysCard Arrival MasterCard ever since I called to switch my Bill Due Date. I have spent an estimated 20 hours on the phone with Barclays trying to resolve the issues that followed. I've talked to ~ 2 dozen reps/supervisions. After the first dozen I started to write down their names and IDs. 1) I called Barclays and asked "can you please move my statement date to the 25th. I would like to consolidate my due dates for all my cards. But please make sure it becomes active NEXT month because this month I am applying for a $50,000 loan from CHASE, and I need a paid off Balance (like it shows now)". 2) The representative said "your due date has been changed and will take into affect next month". 3) I log in the next day and my account says "overdue". I am charged 2 fees. One is a "$20 late fee". The other is a "$26.93 Customer Advises Nt Fee", both on May 2nd. I have automatic payments set up on all of my credit cards for full balance, so I wonder how this could have happened. The Customer Advises Fee was supposedly a "payment" that I made which got reversed. I NEVER authorized a payment. All my payments are automatic. 4) I call Barclays and describe the situation. They said they don't know what going on. I am transfered to a supervisor. The supervisor says they will call me back after doing some investigation. They never call back 5) I call Barclays to figure out what's happening. Again I have to go through the whole supervisor chain. They keep saying they are investigating, etc, etc. They have no idea what happened. 6) On 5/5 I call Barclays and ask them to send a "0 Balance" letter to the 3 Bureaus because I need to make my business loan application. I finally get to a manager ********* * ***** (9:30am, ********) who tells me that a 0 balance letter has already been sent. 7) I check my report and it is NOT 0 balance! 8) I call back a series of supervisors including: a) Alma (18197) - Told me that the $20 will be refunded Next statement (3rd). She told me for the $26.93 charge, on 5/16 the investigation will be complete. The "Overdue" on the account will be removed by 5/6. When I asked about the Bureau letter she said they were not authorized to do it. I tried to go up her manager chain but eventually got told that they would "call be back" b) ***** ******** - Said she will call be back. Never called back c) Shaire Fernandez - Never called back d) **** (Customer Sec/Fraud) - ******** Follow up on why they didn’t call back. He said sorry, called back, but wasn't able to approve the letter. Got forwarded to manager e) ****** ****** * ***** *is manager, Never called back 9) I called back on 5/16 when the investigation was supposed to be over. I talked to ***** * ****** who took me through the same shpiel. Again she has no idea what's going on. She can't even find the investigation that was supposedly going on. She says someone will call me back.

Desired Settlement: Barclays has done irreparable damage to myself and my business. I worked extremely hard to have a perfect 100% payment history, always paying my full balance. Because of their technical error I spend over 20 hours trying to resolve, I was denied the full amount of the loan that I wanted. Furthermore, I STILL haven't been refunded the $26.93 charge which was a technical error. 1) I would like Barclays to refund my $26.93 already. They can't find where my "payment" was made. I can't find where my "payment" was made. The $26.93 charge is a GLITCH in the system. 2) Some monetary compensation would be nice. I have more than enough grounds to take Barclays to court. They GROSSLY misinformed a consumer (me) about the functioning of their product and GROSSLY misrepresented themselves through multiple representatives. Because of this misinformation I made the wrong financial decisions for myself and my business. I was approved for $3000/$50,000 I asked for on my ***** loan. Granted, not all of that was due to the Barclay error, but a very large part of it was. Furthermore, they did not call me back, when they said they would, on at least 10 occasions. Horrendous customer service. Finally, after half a month of phone calls, they still fail to correct their own system glitch/bank error. I'm not going to take Barclays to court, because I don't have time right now. But I do expect it to give me some sort of settlement if they expect to keep me as a customer. Otherwise, after I pay back my balance next month, they have lost an extremely valuable customer (spending ~$5,000 personal, and $25k business expenses per month at the age of 21, with a perfect credit history, and an incredible credit score). 3) I would like a direct line of communication with a Barclays supervisor. I don't want to sit through telephone prompts anymore. I don't want to get empty promises (some supervisors said, I quote "I give you my WORD that I will call back", and never do). I like the benefits of the Barclays card. The 2% rewards are the best on the market. But I CANNOT deal with spending 20 hours on the phone to try to correct a bank error that they made. 4) I would like a formal apology from Barclays for this customer service experience. It won't fix the situation, but it will make feel just a little better about it.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
July 2, 2014
 
 
 
******** ********** ** ******** ****** *** ***** ** *****
 
 
Re: Barclaycard Arrival Plus MasterCard account ending 1247
 
**** *** ***********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ***** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/12/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hi, My US airway Barclay card has an annual fee of $89. I don't like the card and want to cancel out the card. But Barclay declined to refund the fee back. Barclay should at least prorate the annual fee based on the months that passed and refund partial fee back. thanks

Desired Settlement: refund the annual fee.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 28, 2014

******** ***** **** ******* ***** **** ******* ** *****

Re:  US Airways MasterCard account ending 8476

**** *** ******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/9/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Im writing to dispute my accommodation charge of $516.00 that was not redeemable online under travel purchase for my lodging from April 29 to May 2, 2014 at ***** *******. I was excited to see the 40, 000 signup bonus of Barclaycard Arrival World MasterCard and 2 miles for each dollar spent when I was planning a fishing trip to Lake Fork in Texas in early March 2014. I applied for the card in April and was approved. As the lodging cost of the trip would be well over $500 for our 4-night stay, I was in high anticipation to redeem the bonus mileage received to lower our expense for the trip after I reached the minimum spending requirement. Thrilled to receive the card right before our vacation, I began to use the card for various charges including the lodging charge in the total of $516.00 excluding the lodging tax and two charges that were related to fishing. The receipt is attached. I met the minimum spending requirement on May 2. I logged into my card account some time later to see if I could redeem the rewards under travel purchase. To my surprise, it wasnt found in the available for redemption record. I looked into the detail of my lodging transaction only to find that ***** ******* had used the merchant code of Sporting goods stores. I called your bank right away and spoke to the redemption specialist who said there was nothing she could do when the merchant did not use the correct code and asked me trying to get the merchant to put the charge under Hotels, Motels & Resort. I therefore spoke to the owner of ***** *******, ***** ******** , who was surprised to learn that they were not under the lodging category as they provided lodging for us even though they ran a store selling fishing gears. He indicated that they had been using the same credit card system since their inception and no one else ran into the situation like mine. He also indicated he would try to see if there was anything he could do but have not got a reply from him as of today. I applied for the card with the pure intention of enjoying the benefits of the card offered. When I was looking for accommodation for our trip, I found the motel/cabin/RV lodging options from ***** ******* and saw their location map. I want to attach the map but one only file is allowed which is used for the receipt. Please see their park map at ****************************************************** I therefore decided to make reservation with them and never could have expected that this problem would appear. I simply dont have any control over a merchant who has been using the same code for years and I can hardly expect them to change it for me as it is just a privately owned business located in a small town two hours away from Dallas, Texas. I hope your bank would understand and let me to redeem ALL my current available mileages and the 10% bonus for travel redemption for my stay at ***** ******* so that I can continue to use your card and enjoy the benefits it offers. Denial of my redemption is unfair to a cardholder like me who made reservation for accommodation but is not able to redeem the mileage as wished with no fault of my own. You are welcome to call the owner, ***** ******** at 903-765-2385 for verification. I just received my statement and payment will be due in less than a month. Hope your bank can resolve my problem in a timely manner. Thank you very much for your time and consideration.

Desired Settlement: Allow to redeem ALL my current available mileages and the 10% bonus for travel redemption for my stay at ***** *******

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 29, 2014
 
 
 
****** **** ** ****** **** ******* ** *****  
 
RE:         Barclaycard Arrival Plus MasterCard account ending 6845
 
**** *** *****
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
The representative from Barclays Bank had done a very good job in resolving my issue and prevent similar problems to be arising again.


 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I ordered a Macbook using a Barclaycard in February. I received the merchandise but i I never received the card. In the meantime, i received a notice via email saying the 1st payment was going to be due in a couple of weeks. I like to make my credit card payments early & I like to pay more than the minimum amount because I care about my credit. I tried to log onto the online site to make a payment but was unable to move forward with the payment because I didn't know my account/card number. Worried that I wouldn't be able to make my payment online, I called to make the payment over the phone. When I called to make the payment, the woman asked me for my card info, i advised that I hadn't yet received my card but would make a payment on the account & wait for the card. Without giving me an explanation, I was transferred to the security department to inquire about me not receiving the card. They verified my address and then without explanation again... said they would get me to the payment department but instead I was transferred to another representative in the security department. I spoke with him, he asked me the same questions & said he would get me over to make my payment on the account. When i was transferred, I talked to yet a THIRD person i the security department who asked me the same exact questions as the latter two. Concerned now, I asked if/when I was going to be transferred to make a payment. He said after they close the old card & re order me a new one. I SPECIFICALLY asked him.. "WILL THIS AFFECT ME FROM BEING ABLE TO MAKE A PAYMENT OR WILL THIS CHANGE MY ACCOUNT" and he said NO. He took the last of the same information and then finally transferred me to the payment department. When i reached the payment department, i was set to make a payment. I spoke with a gentleman & asked her if there was a charge for making payments over the phone. He told me there was no fee and proceeded to tell me that he wasn't able to accept my payment because they had closed the account & I would need to wait to receive the new card. EXTREMELY unpleased at this news, i told him how i sat on the line for over 20 minutes on hold & being transferred to finally get to him and he tells me I can't make a payment. Needless to say, i was unsatisfied with how this was handled. After me explaining how I was told i would be able to make the payment, he nonchalantly told me that I will just need to wait until the new card gets to me. Not an issue if he didn't say it can take 7-10 days for me to receive it. I told him how i was informed that I should still be able to make a payment, he continued to nonchalantly tell me to wait. He also made no effort to even apologize or investigate it further. I asked if he could give me my account number so i can, I figured after needing 3 different people to verify the same information that he would make an exception and he didn't. I received the card late thus my payment was late. I then had to pay over a $100 more than I originally planned to pay in efforts that the payment wouldn't get eaten up by the APR or late fee. I called May 9, 2014 & although they did waive my $20 late fee nothing else was done or offered to compensate for the utter disregard of consumers time, dignity or credit. But will quickly report if they weren't receiving payment. I am extremely satisfied & at this point may even escalate this matter to my family attorney. I am so tired of big business being able to destroy the consumers livelihood over their error and think that $20 is enough to erase what a simple blemish can do to a person's credit rating.

Desired Settlement: I would like for Barclayard to either provide proof to either myself or the credit bureaus detailing that an error on THEIR part is why I didn't have the necessary information to make a payment. I would also like for a complementary payment to be issued on my account directly from them in addition to the $20 fee they've removed. At this rate, once I pay this card off I will never do business with a company who allows their employees to take their written policy into their own hands & have me the benefactor of the negative results.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 30, 2014
 
 
 
***** ********** **** *** ***** ****** **** ******* **  *****
    
 
RE:     Barclaycard Financing Visa account ending in 8135
          
**** *** ***********  
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********* and from what i see in the response it is just saying they've concluded the investigation. I have received calls from ****** & have returned them. Unfortunately it is very hard for me to have a phone convo when I work the same time as they do. I often have to call back. So at this time I reject the response because  I haven't heard or received any details on how my issue will be solved. I would like to continue the investigation until I am able to speak with a representative and we discuss the matter at hand in detail. The responses I have received via BBB seem general & doesn't specifically state what/how they've resolved the matter. I simply am requesting a letter to be mailed to me or my credit bureau do the poor handling of the matter. If you would like to speak with me regarding the matter and i am unavailable by phone, then please correspond via email or in another matter as opposed to closing it altogether. I did file the claim & do intend on having it resolved so a little understanding on that aspect would be appreciated.  My issue at this time is still unresolved and i am writing this to inform that i would like to continue until I can speak with someone

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 12, 2014
 
 
 
***** ********** **** *** ***** ****** **** ******* **  *****
    
 
RE:     Barclaycard Financing Visa account ending 8135
          
**** *** *********** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

6/4/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

6/4/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hi All, Please help expedite and address my complaint accordingly. I have filed a complaint with the CFPB due to the nature of the incident that occurred and will retain legal counsel if the matter is not properly addressed promptly. I am a ** ******* Mastercard holder. On March 28th I purchased an item for the amount of $3,525 on ******** and shortly after received photographs which didn’t correspond with description. I immediately contacted barclaycard customer service and was referred to the fraud department. The fraud department informed me that since the payment had not yet posted that the proper protocol would be to deem it as fraud so it does not post. Several weeks later I was interrupted during my work day by the fraud team who said this purchase did not qualify as fraud as my wife had previously purchased things on the site etsy. The payment then posted. In turn I was referred to the disputes department on April 25th who alleged to open a case. In the interim, after you guys posted the payment I was sent a package containing a counterfeit item, which is why I contacted you in March to cancel the transaction! Today May 2nd, 2014; I called again to get a status on the dispute and inform them that I was sent counterfeit goods after you posted the payment weeks later! I was informed no dispute case had been opened and now I need to fax documents to the disputes center. I requested a physical mailing address to send certified mail and was not given that. I am now a month into an issue that was grossly mishandled from the beginning and am a very dissatisfied customer. Several hours of my time have been wasted and I am looking for this to be resolved ASAP. You guys have recorded phone calls to prove the terrible customer service that was provided to me. I have photo’s and messages and any supporting documentation needed to prove this to be a fraudulent seller using Etsy as his forum to scam people. Please help me address this immediately! Regards, *** ***** ************ ******************

Desired Settlement: CORRECT YOUR MISTAKE!

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
June 25, 2014
 
 
 
******* ***** * ****** ***** **** ************ **  *****
 
 
RE:         US Airways MasterCard account ending 4862
 
**** *** ****** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

6/3/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I filled out a credit card application on a USAirways flight and received the card. The annual fee is $89, which I paid in full. I began receiving incessant calls from a collection agency that refers to themselves as Barclays. I do not owe any money as I have never activated the card. I am continually harassed (as recently as this morning) to collect $74 in late fees and penalties. This cannot be explained by the representative on the call. I have requested that the card be canceled, that the calls end, that the company leave me alone....to no avail. This is harassment in its purest form and it will stop.

Desired Settlement: I would like my annual fee to be returned ($89), an apology from the company and a senior level person committing to me that the harassment will end immediately.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 16, 2014
 
 
 
**** ****** ***** **** ***** **** ******** ** *****
    
 
RE:       US Airways MasterCard account ending 5170
          
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: The account for the Hawaiian Airlines card was transfer from another credit card by Hawaiian Airlines. I am unable to access my account online to ensure that the account transferred, correctly and I can set up bill pay online. I have made 5 phone calls to Barclaycard in the past 2 days. I have spoken to 5 representatives, 2 supervisor, and 1 manager. i was told on 4/28/2014 I would have access on 4/29/2014. On 4/29/2014 I was told they do not know when the issue will be resolved.

Desired Settlement: I want access to my account!!!!! This is their problem not mine!!!!!!!

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 15, 2014
 
 
 
******** ***** **** **** ***** ***** ******* ***** ******** *****
 
 
RE:       Hawaiian Airlines MasterCard account ending 7255
            **** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID 1******** and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.

I still have not received a statement in the mail. I requested this several weeks ago via a phone conversation with David from the office of the president.

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 23, 2014
 
 
  ******** ***** **** **** ***** ***** ******* ***** ******** *****
 
 
RE:       Hawaiian Airlines MasterCard account ending 7255
            **** *** ******
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 9:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In Jan 23 2014 I requested Barclays Bank Delaware to validate my alleged account with them. I found out through my credit report that Barclays Bank Delaware posting me as their customer and that I was having credit card account with them. Because that was not true, I requested Barclays Bank Delaware to provide me with evidence (documents, paperwork) that would prove their demands and validate my alleged account with Barclays Bank Delaware. I stated it clear that I would allege Barclays Bank Delaware in 1. Violation of the Fair Credit Reporting Act, 2. Violation of the Truth of Lending Act, 3. Defamation of Character. I have a prove of delivery by USPS of my written request to Barclays Bank Delaware as of Jan 28, 2014. Since then (for 2 months) I have not received any response from Barclays Bank Delaware, and I presume that Barclays Bank Delaware neglected my written request to validate an account (please see attached the copy of my written request with a list of 18 categories of documentation that would validate my alleged account with Barclays Bank Delaware.)

Desired Settlement: 1. Respond on my request to validate the account, 2. Respond to my request in ESSENCE as I currently file a case with Attorney General and need a formal comprehensive response from the other party to the allegations.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 1, 2014
 
 
 
******** ********* **** *** ****** ******** ***** **  *****
 
 
RE:      Upromise MasterCard account ending 7165
 
**** ******** **********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 March 24, 2014, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow up to 7-10 days receive this in the mail.
 
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. 
 

 

Consumer Response:

Better Business Bureau:

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.

After I filed the above complain I'd received a letter from Barclays Bank Delaware they mentioned in their response above. However, that letter is just one more boilerplate letter from Barclays Bank Delaware that does not address a single of the inquiries I have been making to the bank since December 2013. In particular, I requested to VALIDATE my alleged account with Barclays Bank Delaware, and I requested to provide me with documentation (18 types of possible evidence) that would prove that I ever had/maintained an account with Barclays Bank Delaware. The bank never addressed those requests of mine. The reason is obvious to me - Barclays Bank Delaware is a fraud.  They simulate having an account on my name that I never opened with them.

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 30, 2014
 
 
 
******** ********* **** *** ****** ******** ***** **  *****
 
 
RE:       Upromise MasterCard account ending 7165
 
**** ******** **********
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/30/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This compliant involves a lot of customer service issues first I recently submitted rewards for a reward card of $225 of which I have not yet received it harder than pulling teeth to get a reward card. I have called on more than several occassion stating that I had not yet received it and been given the run around, one customer service agent went as far as that if I did not receive it then maybe it was lost in the mail and they would not be able to provide me another because there was no way for them to know that it had been used. Another issue is that on several occassions my card information has been subject to a lot of false charges that were not my charges and over and over they would mail out a new charge with my knowledge of one being sent out. I would be trying to make purchases and literally find out at the cash register my card does not work. Recently, there was a charge of $408, $404, I have called and called but still this has not gone back on my card which I'm pretty sure I'm charge interest on. Plus, I have always paid my bill on time so for me to have these problems is really unacceptable. Not to mention the day that I made a payment of $1,800 was the say day $404 charge was applied to my account I really feel that something is definitely wrong with that picture and I'm not sure it is not just fraud possibly people in this company. I feel that it is very strange that when I submit a payment that $404 dollars is applied as a charge to my account. I not sure what's the problem but something is very wrong I believe that someone should review the phones calls I have placed to get to the bottom of this situation. Either there is a lot of errors being made but something is wrong.

Desired Settlement: I would like this account to be investigated in regards to charges and whom has been making false charges. I want to be notified of this information and I want the money that was added to my credit card account refunded with interest as I'm sure I was being charged which is really unfair. I have been a good consumer why should I pay a penalty for someone else's mistake. Also, I want my rewards card immediately, I feel that if I have never made them wait on a payment why should I. Bad Business!

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 16, 2014
 
 
  ******** ******* **** ********* ***** ********** **  *****
 
 
RE:       Williams-Sonoma Visa account ending 1718
            **** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/30/2014 Billing/Collection Issues
5/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have received multiple hard inquiries on my credit report from this bank after recently having been a victim of identity theft. I have a fraud alert attached to my SSN and yet I still receive credit card application inquiries from this bank. I googled this bank and others have similar issues. I have never had any dealings with this bank at all what so ever. Besides dropping my credit score little by little, I am basically waiting on the day that these fraudulent applications are actually approved. I'd like this bank to stop running inquiries on my SSN.

Desired Settlement: No bank should be running inquiries of an Identity Theft Victim without 'proper' verification. There are instructions on my credit report that were not followed. I'd like this bank to stop running inquiries on my Social Security Number OR tell me why they aren't able to stop running the inquiries via paper mail.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 14, 2014

***** ******* **** ****** **** *********** ** *****

    

RE:     Credit Inquiries

          

**** *** ******** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. The Fraud Alert on my credit report states I am to be contacted in regards to any attempt at opening a line of credit using my SSN... I was never contacted. However, swift efforts were made to remove the THREE inquiries on my credit report. It is disheartening that I have to fight constantly with businesses such as Barclay to keep my credit clean because the most feeble criminal can attack at any moment.

 

 


 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/29/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I have a US Airways Dividend Miles account. My miles were expiring, but I received a letter stating that if I signed up for a Barclays Mastercard I could retain my previous miles PLUS be eligible for 30,000 bonus miles after my first purchase with this card. So I signed up for this credit card and received my first statement, but I only received the miles for my purchases made, and NOT the 30,000 bonus miles I should have been awarded after my first purchase. The materials, terms and conditions specifically stated that I would be eligible for these 30,000 bonus miles.

Desired Settlement: I want the 30,000 bonus miles from Barclay Card applied to my US Airways account

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 13, 2014
 
 
 
***** ****** **** ******** ***** ********* *********** ** *****
 
 
RE:      US Airways MasterCard account ending in 4394
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/29/2014 Billing/Collection Issues
5/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Office of the President PO Box 8885 Wilmington, DE 19899-8885 RE: Unauthorized Credit Inquiry Dear Sir or Madam, This letter is a notice to cease unauthorized inquires into my credit report and a formal demand that you immediately contact the credit reporting agencies and bureaus to have your illegal inquiries removed. I noticed inquiries made by your organization after checking my personal credit report from TransUnion and Experian after I received an credit monitoring alert. The details of the inquiry are as follows: Inquiry made on: 01/20/2014, 04/16/2014 Inquiry made by: BRCLYSBANKDE I have not approved your organization, any person associated with your organization, to make such an inquiry. This violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. I require proof of a permissible purpose. I need to protect myself from identity theft and I must know whether this inquiry was made fraudulently or a banking error I do not want a validation of my name, social security number, or address. Please validate or delete immediately. If you do not have my written permission, please remove these unauthorized credit checks immediately. Otherwise I will also complain to the State Banking Commission. When you have removed these unauthorized credit checks, please send me written proof of such removal within 10 Business Days. This is an urgent situation and I need your prompt cooperation in this serious matter. However, if I have not heard from you within a maximum time frame of 30 Calendar days I will be forced to have my attorney mail a letter on my behalf as the failure to respond is called "willful noncompliance." I have now filed this public compliant and I have also sent an email and a letter via USPS certified mail to ensure that you receive It in case a formal escalation becomes necessary in a court of law I expect a prompt response. Regards

Desired Settlement: Immediate removal of the two unauthorized hard inquiries from Barclaycard via TransUnion and Experian

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 7, 2014
 
 
 
******* ****** ****** ***** ******* ***** ****** ** *****
 
 
RE:         Inquiries from Barclays Bank Delaware
 
**** *** ****** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/29/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I obtained a Barclays credit card through Apple in order to buy a computer. I understood that after an introductory period, the interest rate would rise. Last month (March, 2014), I went online to look at my statement and was stunned to see that the amount owed had suddenly jumped by over $743.09. I phoned Barclays, and their rep informed me that there was a recent charge at an Apple store. I explained that I had not used the card, and that no one else could have either since the card has been in a locked filing cabinet. The rep told me that she would remove the charge, and when I checked my account, the charge had been removed. Yesterday, I checked my monthly statement and discovered that the charge was back on again. I spoke with 5 different Barclays employees until someone in the investigations department informed that the charge was "interest" charged since the introductory period had expired. $743.09 in "interest" suddenly slapped on top of about $1200 I legitimately owed them? This is an absolutely predatory banking practice.

Desired Settlement: I want Barclays to remove the $743.09 "interest" charge from my account, and I would like an apology from Barclays for engaging in this predatory practice. I would also like Apple to be aware that the bank that they are promoting in order to sell computers engages in predatory practices.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 9, 2014
 
 
 
***** ***** ** ******* ****** ********* ** *****
 
Re:  Barclaycard Financing Visa Card account ending in 6982
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/29/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: A recent review of my credit report I noticed a Barclay card reporting on it and this card is not mines. I complained to the credit agency that this account(************* is a fraudulent account and I never open it and it still has not been removed. I was told to Barclay and they have not been helpful in removing the fraudulent account. I told them I have been having issues with my credit file and I never lived in the area the card was received. I never open this account and would like it removed.

Desired Settlement: I would like to account tremove from my file because it is not mines.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 28, 2014
 
 
 
******** ******* **** ******** ****** ********* **** ********* ** *****
 
 
RE:       Priceline Visa account ending 3919
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I was on a US Airways Flight on January 19, 2014. They offered a US Airways Premier World Mastercard for $89 a year which included perks such as First Class check in, $99 companion fare etc. I applied. I had not received a response so called early in April. They told me that my credit card application had been declined but could give no reason. I reapplied over the telephone. A week later I received the attached letter stating 'too many recent applications' which is bull. This is the only card I have applied for in ages. It also states that 'A credit bureau report was not used in making the determination. I don't know if they checked and I was denied as I always pay off my credit cards and they wouldn't be earning interest or what but they have no legitimate reason to turn down my application. I am not sure if there will be a way to attach the letter or not. The numbers they have above my name are : ** ** ****** ***** * ** * - I am greatly discouraged at US Airways for making this offer and my being declined for no reason.

Desired Settlement: Approved US Airways Premier World Mastercard

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 19, 2014
 
 
 
***** ****** ** ***** **** ******** **  ****9
 
 
RE:       Applications for US Airways MasterCard account
           
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/29/2014 Problems with Product/Service
5/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: A payment was sent in on April 11,2014 and was never credited to my account , I have spoke to several people who have stated they would have this completed and still no resolution - They cashed the Cashiers check but never credited my account . Account number is-----6593 payment was for 1192.07 and I have also provided the cancelled check to them .

Desired Settlement: I want my card paid off and my payment credited

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 14, 2014
 
 
 
***** ***** **** ******* **** ******** ** *****
 
 
RE:       Extra Points Program MasterCard account ending 6593
           
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Very time consuming and numerous calls were made as I was told that due to a fraud alert on my card all transactions but one were declined. I was given the wrong information and apparently a charge went through at a later time and now it is too late to cancel the order and get a full refund as the company charges a restocking fee. A phone call was made about the declined transactions and another phone call was made as I saw a charge on my card at a later time the person told me it was fraud and the company was using my card without my permission at a later time and changed my card. So many mistakes and so much wrong information which wasted my time and my money. I have cancelled both my cards with your company and will never use you again.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 6, 2014
 
 
  ****** ****** **** ******** ****** **** * ******** **  *****
 
 
RE:       Williams-Sonoma Visa account ending 9268
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I activated one of my cards online for online banking BUT did not activate another account with a totally different account number. BOTH of my accounts showed up online. I did NOT authorize one of the accounts for online service but yet that information was put online without my permission. There are reasons why I pick and choose which accounts I want to access online and that is the reason I ONLY activated ONE account but Barclay card still put BOTH accounts on my online. Barclay card was not helpful in removing the unwanted account from my online profile. Therefore put me and my account in jeopardy of being accessible to hackers etc.

Desired Settlement: I would like them to NOT be able to put online access to accounts that are NOT authorized for online access regardless of me being the primary owner of both cards. As I explained to them in detail that I have multiple bank accounts with the same social security number and multiple other accounts with the same ID, I have not authorized EVERY single account I own for online access.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 4, 2014
 
 
 
****** ******** ** *** **** ****** ** *****
 
RE:       Glenn Kawamura’s Hawaiian Airlines Bank of Hawaii World Elite MasterCard account ending 2826
 
**** *** ********* 
 
We are in receipt of your correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand the concerns regarding Mr. Kawamura’s account.
 
We do not have Mr. Kawamura’s authorization to discuss the matter with you. As such, we are unable to respond directly to you regarding the matter. However, we have fully researched the situation and have sent a detailed response directly to Mr. Kawamura.
 
Thank you for bringing his concerns to our attention. Should you have any general questions, please contact me directly at ************* **** ******  My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/27/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently saw on my credit report that this particular bank reported a 30 day late payments last July 2013 for my NFL Extra Points Visa CC. I HAVE WROTE THE COMPANY TWICE BOTH BY CERTIFIED MAIL ALONG WITH FAX. I HAVE ALSO CONTACTED THE FRAUD DEPARTMENT AND SPOKE TO NUMEROUS SUPERVISORS explaining my situation!!! I even attached copies of my bank statement showing my payment was done on time every month. For the six months before July last year and the 6 after there was no late payment whatsoever!! The bank is clearly making a mistake.....They are refusing- and I repeat their refusing to rectify the issue. They think I am just going to go away and just be a number just like all their other customers?! I thing NOT!!! Honestly this negative mark on my credit report is the only thing on my credit and it is the only thing preventing me from getting my RV mortgage loan. I have received two correspondence from Barclay's stating they are reporting the information accurately which is not correct. I have forwarded statements from my bank to Barclay's which they still are upholding the same opinion stating THEY WILL NOT REMOVE THE 30 Day late pay as it is correct. according to them. It is not correct and they have 10 days from the date of this notice to remove in its entirety the negative entity on my credit report to reflect a positive mark on my credit report showing the account was never late once which is the truth. I will also be contacting the Atty. Gen. of the state of Delaware and other legal remedies if I must do so. I am not asking for much other than the truth. If the Better Business Bureau or any other companies would like me to forward my bank statements showing my on time payment history please feel free to advise me and I'll be more than happy to forward them to youI recently saw on my credit report that this particular bank reported a 30 day late payments last July 2013 for my NFL Extra Points Visa CC. I HAVE WROTE THE COMPANY TWICE BOTH BY CERTIFIED MAIL ALONG WITH FAX. I HAVE ALSO CONTACTED THE FRAUD DEPARTMENT AND SPOKE TO NUMEROUS SUPERVISORS explaining my situation!!! I even attached copies of my bank statement showing my payment was done on time every month. For the six months before July last year and the 6 after there was no late payment whatsoever!! The bank is clearly making a mistake.....They are refusing- and I repeat their refusing to rectify the issue. They think I am just going to go away and just be a number just like all their other customers?! I thing NOT!!! Honestly this negative mark on my credit report is the only thing on my credit and it is the only thing preventing me from getting my RV mortgage loan. I have received two correspondence from Barclay's stating they are reporting the information accurately which is not correct. I have forwarded statements from my bank to Barclay's which they still are upholding the same opinion stating THEY WILL NOT REMOVE THE 30 Day late pay as it is correct. according to them. It is not correct and they have 10 days from the date of this notice to remove in its entirety the negative entity on my credit report to reflect a positive mark on my credit report showing the account was never late once which is the truth. I will also be contacting the Atty. Gen. of the state of Delaware and other legal remedies if I must do so. I am not asking for much other than the truth. If the Better Business Bureau or any other companies would like me to forward my bank statements showing my on time payment history please feel free to advise me and I'll be more than happy to forward them to you, I feel that contacting the office of the president is going to do nothing just like the other phone calls, letters, faxes and certify mail documents I have done. This is bull crap and I will not stop until this is removed from my credit report. Not only is this being reported to one but rather all three credit bureaus including Equifax, Experian, and Trans Union. I can be reached by telephone at ************ ******* ***** or contact me via email at ************************* At this point I will not except anything other then the removal of my negative remark because I have been very patient and lenient with Barclays!!!!

Desired Settlement: I DEMAND THE 30 day late pay from last July, 2013 be removed immediately before I file criminal charges with the IC3.gov for retail fraud!! I was never late and this is preventing me from getting my mortgage!!!!!!

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

June 11, 2014

**** *********** ** *** *** ********* ** *****

Re:   NFL Extra Points Program Visa Account ending in 1819

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/25/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 ********

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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/25/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: The last person ********* did not call me back in corporate. I am writing because I am angry. I have been a victim of identity fraud. ** ******* 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 ********* did not call me back in corporate. I am writing because I am angry. I have been a victim of identity fraud. ** ******* 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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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.

I am still waiting on a response from the fraud department.  the police station, **** the government has not heard from this company at all.  This company has failed to send me every receipt with a signature. I have no receipts or nothing from this company. Still waiting.

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 27, 2014
 
 
 
***** ****** *** ******* **** **** *** ********* **  *****
 
 
RE:       US Airways MasterCard account ending 6426
 
**** *** *******
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable offer to resolve the complaint. However the consumer did not accept the offer.

5/24/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Two months ago (February 21st/22nd 2014) I applied for a Barclays Apple Financing Visa card from the Apple Store website (http://store.apple.com/us/browse/finance/instant_credit) using the 'Apply Now' button. The sole purpose of acquiring this card was to finance a laptop computer under their deferred interest promotion. Under the promotion, I should receive 12 months of deferred interest (given my total purchase was for $950). After being approved for the card, I followed the instructions on the website to access instant credit and proceeded to use the instant credit at the Apple Store. However, yesterday (April 23rd, 2014) I received a statement that has added $13 dollars in interest. Under the impression I had applied for the deferred interest promotion for the Apple website, I contacted Barclays via secured message. The customer service representative then responded that I had not gotten an Apple financing Visa card but instead a Apple iTunes Reward Visa. However, by pressing the 'Apply now' button on the website listed right under the deferred interest promotion, I should have received the appropriate Apple Visa card for the promotion. In addition, I had followed the instruction to access instant credit (from the same website listing the promotion) and it all worked and nowhere did it say that my account did not follow the promotion I initially applied to. I believe that I have been tricked into receiving an Apple iTunes Rewards card (that does not follow the deferred interest promotion), when in fact I had followed all steps to apply for the appropriate credit card with the deferred interest promotion. I reiterate, nowhere did it say that the card I was receiving did not follow this promotion. The fact that I used to 'Apply Now' button on the promotional website should not have given me this credit account, and I should not have been charged this interest. On the secured message response, the representative said that I "must have mistaken the Apple Financing Visa card for the Apple iTunes Visa card", however the fact that I applied following the steps for the Apple Financing Card on the promotional website means I had all intent on getting a Financing Visa card NOT an Apple iTunes Visa card that does not follow the promotion. This is simply a bait and switch situation, where I had all intent on getting the promotion but then the product was switched, without notification, after applying so that the promotion is no longer applicable.

Desired Settlement: It would completely solve my issue if Barclays would simply give me the product I applied for and put the deferred interest promotion into effect on my account and cancel out the interest charge. I would remain a customer with Barclays if this solution can be achieved. Alternatively, I would be satisfied if Barclays returns the interest charge of 12.99 for this period so that I may take the balance out of the account and close this product that I do not want and did not apply for.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 9, 2014
 
 
  ****** ******** **** ****** ****** ********* ** ****** ** *****
 
RE:         Barclaycard with iTunes Rewards Visa account ending in 1780
 
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/22/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclay told me when my free interest was over the minimum payment would stay the same now it has when up. now they will not correct it and they will not give me a hardship plan or lower my rate I told them I was having a hardship they would not work with me at all to lower the payments or the interest rate I even ask if they could give me the current offer they had 9.99 percent they would not do that.

Desired Settlement: lower the rate and the payment.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 21, 2014
 
 
 
***** ***** ** ********* ***** ************ ** *****
 
 
RE:         Barclaycard Rewards MasterCard account ending 0242
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/21/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I called this company several times to seize communication from them to me & they keep hanging up on me when I tell them to remove me permanently from there list. I suffer from high blood pressure and this is making my blood pressure even higher then what it is regularly. there letter of advertisements are also affecting my credit score in a negative way. I want all communication from Barclaycard to me to be seized immediately or I will have to take further legal action against them for emotional distress, harassment & problems with my health due to this. Thank you for your time & immediate resolution in the above matter.

Desired Settlement: I want all communication from Barclaycard to me to seize immediately. they are not to mail, e-mail or call me at all. I will be sending out a notarized seize of communication letter certified, registered with return receipt to Barclaycard in attempt to have them stop sending there mail to me and etc. I received approx. 10 advertisements from them within 1 month which is really annoying and considered harassment to me. Sincerely; ** **********

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 9, 2014
 
 
 
**** ********** **** ******* ********* *** ****** ** *****
 
 
Re: Marketing Solicitations from Barclays Bank Delaware
 
**** *** ***********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

I have not received any resolution fom Barclay card by mail and I do not want to close this complaint until it arrives. 
      They did not say how they are going to resolve this problem so I can not accept there offer until I see it in writing.
Please be aware I drive 12 - 16 hours a day and when I get home, your and there offices are closed for the night.
I will try to call if I get a break in-between my routes tomorrow. I am a floater driver so everyday is different and I do not
know what route I doing in the morning for the day. all they said they are sending a letter via usps to me according to your
last bbb response message to me.
          Thank you for your time and understanding in the above matter. please no calls after 6pm. New York time. Thank you
          
       
Better Business Bureau:

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.

 

 

 %

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 16, 2014
 
 
 
**** ********** **** ******* ********* *** ****** ** *****
 
 
Re: Marketing Solicitations from Barclays Bank Delaware
  **** *** ***********
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at E******************************** ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 9:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I made a balance Transfer From my Bj's Business Barclay card to my capital one credit card on 3/1/14 in the amount of $8,820.00. Barclay Bank Delaware revived the check and cashed it on 3/14/14, but has not credited my account yet. I have repeated ly called and faxed them a copy of the cashed check. they admit to cashing the check, but have not credited my account yet.

Desired Settlement: They credit my account for the amount transfered$8,820.00 as of the date they cashed the check 3/14/14. and credit my account for intrested charged after 3/14/14.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 6, 2014

****** ******** ** *********** ***** *********** ** **********    

Re:  BJ’s Visa Signature account ending in 9881

           **** *** ********: 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/20/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I sent a payment of $1,350.00 on 5/3 via USPS priority mail express. I purchased to two money orders from the Postal Service (350 and 1000) The payment arrived as scheduled to the overnight address on Monday 5/5. One payment of $350 was applied the next day. However, the second money order for $1,000 has been placed on hold until 5/14. I have spoken to customer service twice with no solution. A manager was to call me today to discuss this matter but as of yet, I have not received a call. I used USPS money orders not a personal check. The payment options located on the back of the statement does state that if a personal check is used, then a hold would be placed for 7 days. However, I did not use a check, it was a money order. I do not think that USPS money orders can be held. They are FDIC insured and are guaranteed. I am paying for our family's vacation with this card. That is why I sent such a large payment. I have sent payoffs to other companies and have never experienced this type of procedure before.

Desired Settlement: Lift the hold on the money order for $1,000.00 and apply it to my account by 5/10.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
May 19, 2014
 
 
 
****** ******** *** *** ********** **** ************ ** *****
 
Re:   Barclaycard Rewards MasterCard Account ending in 1361
 
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/20/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In successive billing statements, for the period 9/13/2013 - 10/12/2013 and 10/13/2013 - 11/12/2013, Barclays Bank fully credited my account for charges, interest charges and finances charges for postings to the account that I had challenged. Further, they posted, on the Experian Credit reporting, a full closure of the account with zero balance. A copy of the report was obtained on or about De. 15th, 2013 which shows the account as closed and with a zero ($0) balance. Nothing in any of their reports or statements indicated that these credits were conditional in any manner. I came to depend on this information in the legal proceedings concerning my divorce settlement negotiations. AS such, I did not incorporate any of the charges in the settlement. Shortly after the settlement was complete, Barclays Bank, without any prior notice of pending investigation and without any notice that the credits were conditional or could be reinstated, recharged the (now closed) account for all the charges and has been adding interest since then. They have failed to respond in writing to my attorney (or to me) who challenged their actions, since I had depended on their credits (now) to my detriment in a legal proceeding. Further, while maintaining that they have not referred the matter for outside collection to a debt collector, I have received a notice from such an agency, ******** * ***** Associates of Wilmington while at the same time (still) receiving notices of outstanding balance on the account.

Desired Settlement: 1. A full and PERMANENT credit of any and all charges, finance charges and interest charges on the account 2. A notice to any and all credit reporting agencies that the account has been closed, with a zero ($) balance, and that it has been paid satisfactorily. 3. A written notice to the debt collector (with copy to me) to cease and desist any and all collection activities on this account 4. A written notice from the debt collection agency that the debt has been paid satisfactorily and there is no remaining balance to be collected.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 13, 2014
 
 
  ****** **** ***** **** ***** ****** ****** **  *****
 
 
RE:       US Airways MasterCard account ending 4643
           
**** *** *****
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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.

 

 


Complaint Detail / Problem
Nature of Complaint:
Billing or Collection Issues - The company has unethical collection practices
Problem:
Re: Prior complaint * ******** This complaint has NOT been resolved and the issue of the complaint has not been addressed The complaint was that all charges on the account were fully and UNCONDITIONALLY credited in Oct. 2013 and Nov. 2013 on their statements, and in a posting on Experian. No mention, verbally or in writing, was ever given that the credits were anything but permanent. I proceeded to my divorce hearing with that knowledge and belief, now to my detriment, and did not incorporate those amounts in the financial settlements. Barclays, subsequent to the divorce proceedings, reneged on their UNCONDITIONAL agreement and reinstated the charges, again without any notice. Their response to your transmitted complaint did not address this issue, at all.

Desired Settlement / Outcome
Desired Settlement:
Desired Outcome:
Full and complete credit, to me, of ALL charges (purchases, finance, late fees) A full report to all major credit reporting agencies that the account is closed, fully paid and without any detrimental reporting information about my credit history.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
July 11, 2014
 
 
 
****** **** ***** **** ***** ****** ****** **  *****
 
 
RE:       US Airways MasterCard account ending 4643
           
**** *** *****
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/17/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 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

Wilmington, DE 19899-8885

May 29, 2014

******* ****** **** **** **** ****** ************ ** *****

Re:   Juniper MasterCard Account ending in 0634

**** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

Consumer Response:

Better Business Bureau:

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.e. lowered) 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 limit... thus 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 20 years.  Either by online transaction updates, or batch cycles which normally run as frequently as every 15 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.


 

 

 

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

July 7, 2014

******* ****** **** **** **** ****** ************ ** *****

Re:   Juniper MasterCard Account ending in 0634

**** *** *******

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.

We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/14/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In February 2014, I made four separate payments to my credit card account. On three of the payments, I specifically indicated on the memo sections of my payments on which promotional-deferred interest balance to apply payments and payoffs to. This was not done. All four payments were applied to my overall accruing interest account balance instead of just the one. As a consumer, I feel like I have every right to demand and indicate where I want my payments applied to and not to some federal regulations guidelines this credit card was giving me. This is the first discrepancy I have had with this issue. When I make separate payments to my other credit card accounts and indicate where I want my payments applied to, they honor it. So why can't Barclay do the same for me? I called the President's office number as indicated prior to filing this complaint and nothing was done as well as my first call to customer service with a supervisor. All I ask is that my payments be applied to where I allocate them to, because it is my consumer right and my money!

Desired Settlement: Enforce Barclay to readjust my payments and apply the three extra separate payments to the promotional balances as indicated on that payments received to them in February 2014.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 23, 2014
 
 
  ****** ****** **** ******* ***** ********** ** *****
 
 
RE:          Barclaycard Financing Visa account ending 2605
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/13/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My latest credit report from TransUnion shows that your company has made several unauthorized credit checks. Credit reporting laws do not allow such inquiries to be reflected on my credit report without prior written permission from me. To the best of my knowledge, I have not authorized you to do so. If you have a copy of my written permission, please send me a copy so I can verify. If this is an identity theft situation, I would like to stop it as soon as possible. If you do not have my written permission, please remove this unauthorized credit check immediately. I have sent this letter via registered mail in case a formal escalation becomes necessary in a court of law. When you have removed this unauthorized credit check, please send me written proof of such removal. I look forward to your prompt cooperation in this serious matter which is threatening the quality of my life. TransUnion: 06/21/2012, 01/30/2012, 04/06/2013. Sincerely, **** *********

Desired Settlement: I would like for Barclay Bank to remove these unauthorized hard credit checks from my TransUnion report: 06/21/2012 - 01/30/2013 - 04/06/2013

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 18, 2014

**** ********* *** ***** ****** ****** ************* ** *****

    

RE:     Inquiries appearing on your credit report

          

**** *** ********** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.

 

Consumer Response:

Better Business Bureau:

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.

I have reviewed the documentation that Barclay sent out to me today and they have provided no proof that these inquiries were authorized by me, all they sent out were copies of application denial letters, no signatures, nothing in the documents they provided explicitly granted them permission to pull my credit report. These inquiries were not authorized by me, Barclay had no permissible purpose to pull my credit report. I will be forced to consult with my attorney about this issue as Barclay seems to be willfully violating FCRA laws.

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 21, 2014
 
 
 
**** ********* *** ***** ****** ****** ************* **  *****     
 
RE:     Credit Inquiries from Barclays Bank Delaware
           **** *** ********** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

5/12/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclays is inaccurately reporting an authorized user and request was made of phone to removed the reported user by a fax stating the removal. Was told I had to write a letter my mail requesting the removal of disputed authorized user. No fax or phone number to call. This is port business practice and if the letter even reached the correct person there is not reliable way of confirmation of what was being requested. No assistance by phone other than being given the address to send the letter. I have never experience such archaic way of doing business in this day and age. I plan to close my accounts as soon as i can do so.

Desired Settlement: Get a faxed letter of request to me or email to me of request

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 9, 2014
 
 
****** ****** **** * ***** ***** ********* ** **********   
 
Re:  Barclaycard Arrival MasterCard account ending in 4253    
       
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.

Consumer Response:

Better Business Bureau:

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

 

 

Regards,

 

****** ******

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/11/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: https://www.barclaycardus.com/apply/Landing.action?campaignId=1303&cellNumber=4 At the above listed website you will find an offer for a credit card with a 0% apr. I applied for and was approved for the card in question. The only reason I applied was because of the interest rate. Upon approval I was never made aware that the interest rate was going to be 13.99%. This did not come out until after my first statement. The way this was linked to my cruise ticket purchase I was approved for an amount of money but not made aware of the interest rate while making the purchase on carnival.com. It turns out that I was not given the introductory interest rate and I am currently paying interest on an amount that I should have just paid out of my checking account. I have decided to cancel the card and pay off the associated debt but would like to make everyone I can aware of the current credit practices of Barclay U.S.

Desired Settlement: I would like them to honor the advertised interest rate and refund the amount of interest charged to the account currently.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 5, 2014

**** ***** ***** ******* ***** ******* ** *****

    

RE:     Carnival MasterCard Account ending in 1720

          

**** *** ****** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: in 2013 i planned a trip to oahu hawaii, on the hawaiian airlines website, a friend of mine had told me about the great benefits you get when you sign up for the hawaiian miles club so after i bought the tickets i had signed up for the miles club. i was given a membership number of... about a month later i received an email from hawaiian airlines that i could sign up for the credit card and receive 35,000 bonus miles for spending 1000 in the first 90 days, and thought to myself what a great idea, i would basically get a free flight to hawaii for just using my card. upon receiving my card in jan had spent the 1000 dollars by feb but had noticed none of my points had reflected on my rewards statement. i went on my trip in feb so i new i should have at least another 1000 miles in my account i called the credit card company and was told they dont have anything to do with the miles that i have to call the number for the hawaiian miles club because all they do is send over the statement of how many miles to credit. i called the miles club and they said i had to call the credit card company because the miles number i put on my application was not the miles number that was on my credit card it belonged to a denis lopez, after going back and forth (becacuse i was told they dont work together) and hours on hold the credit card company told me that hawaiian miles gave them the wrong account number to be put on the card. so after a few more calls and hours later they fixed the card and the miles number onit to match. last week i got a new card in the mail with the old miles card on it and when i called i got the same story taht i have to call and speak the the credit card company and when i call them im told that i have to call the miles club. the last call i made i was told that my situation was being handled as a priority and would be fixed within 24 hrs and i would get a call from either the miles club or the credit card. here we are a week later and no calls. apperantly my credits are being sent to dennis lopez not ramon lopez an no body seems to know how to fix it.

Desired Settlement: i would like for hawaiian airlines and barlcays card to communicate better and solve the problem at hand i dont feel i sould be spending hours upon hours on the phone and going back and forth fix the problem and give me the miles i have earned!

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 9, 2014
 
 
 
***** ***** **** **** ******* **** ******** **  *****
 
 
RE:       Hawaiian Airlines MasterCard account ending 7310
            **** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/9/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been with Barclaycard for two years and have recently dealing with them in trying to figure out my statements and charges. I contacted them in March to ask why the payment that was scheduled to come out on Friday had not been taken until Monday. When I called the first time the customer service representative told me it was not them who was making the payment come out late but my credit union. I then called my credit union and spoke to them the representative that I spoke with told me it was not them and that they received a request of payment from them on Monday morning not Friday. I then called Barclaycard back and got a different representative and we began to look into the matter with my credit union because this was not the first time this has happened. I explained that I received one email and one text message from Barclaycard that my payment was "received" and because of that I went ahead and paid the rest of my bills. On Monday morning and looked at my bank account with my credit union and say that I received an NSF fee because it was less than $10 short. The credit union representative and Barclaycard representative both were concerned and want to find out why this was happening every billing cycle. I was placed on a hold and then my cellphone dropped the call. I then called back for a third time and was sent to a different representative and was told because the payment was schedule to come out on a Friday that was considered a weekend day and no payments would come out on that day. I asked him even if I scheduled the payment the week before to come that following week I still wouldn't have it processed until the week after that? He responded with a yes. I then asked him if I could talk to a manager because I never was told about that or read it at any time when I was scheduling my payment to come out on Friday. He then sent me to a manager and I explained to him everything that had happened up until I began talking to him and asked the same question “why are my payments coming out on Monday when it was supposed to come out on Friday?" I told me the same thing that it was considered a weekend day and that they sent it to the credit union on Friday and they are the ones who are not releasing it until Monday I then told him that I spoke to the credit union and they said it was not them. I then asked if he would like to talk to them since I was disconnected last time and was unable to figure what was going on if they are presenting the credit union with it on Friday but they are not taking it until Monday. He said " no I do not want to talk to your bank it wouldn't change the outcome and that I was the only one COMPLAINING and something like this happening because no one else has ever called in saying this" I told him not to keep repeating that because this is happening to me and right now you are helping me and I am having this problem. After that we both started to argue with one another and talking over the other person. After a few minutes of this I told him that this was making me upset and that us arguing about this was not helping my situation and asked if I could talk to a different manager. The phone went silent and then I heard the dial tone because he had hung up on me. I then called back yet another time and talked to yet another customer service representative and asked if I could talk to a different manager and not the same one I had just spoken to, he connected me and I was then told that he didn't hang up on me and that he would call to apologize to me. I never received a call or email about him apologizing to me. The manager then told me the same thing about the payments and Fridays. I told her that I understood that and would be scheduling the payments to come out on Thursdays instead but I was never told about payments not being taken until Monday. She then proceeded to lecture me on how I spend my money and that I need to be more responsible about how I spend. I have never been through something as outrageous as this before I always make sure to pay my bills and have never missed a payment.

Desired Settlement: I would like my fees reversed on my credit card and at my credit union. I would also like an apology by phone.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

May 5, 2014

******* ******* ***** **** **** *** ***** **  *****

    

RE:     Barclaycard Financing Visa account ending in 8119

           **** *** ******** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET, Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/8/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I am trying to resolve an issue with a paid Charge Off (Account: ***************** that is unlawfully being reported to the Experian Credit Reporting agency and which should be removed immediately. I am a New York Resident and according to Article 25 N.Y. GBS. LAW § 380-j : NY Code - Section 380-J: Charge Off's which have been paid are prohibited from appearing on the credit reports of New York Residents for more than 5 years. I have disputed this information numerous times and repeatedly contacted Barclay's Bank Delaware in regards to this information continuing to be reported after closing the account with the collection agency which this account was sold to, but this account continues to appear on my report. I am again formally requesting that this account be removed from my credit report as required by the laws of my state so that my rights are no longer violated. Thank you for your help in this matter.

Desired Settlement: Deletion of Tradeline from my Credit Report as required by New York State Law.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 22, 2014

****** ******** *** **** ****** ********* ** *****

Re:  Barclaycard with iTunes Rewards Visa Card Account ending in 4443

**** *** *********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/8/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I applied and was approved for a Barclaycard Miles & More World MasterCard on December 9, 2013. The terms included 50,000 frequent flyer miles credited to my Lufthansa account -- the first 20,000 after making an initial purchase and the additional 30,000 after spending $5,000 on the card in 90 days. By February 8, 2014, I had mindfully spent and made payments in the amount of $5052.52, but Barclaycard claims I only spent $4973.52 -- a $79 discrepancy. I have received the initial 20,000 miles, but Barclaycard refuses to credit me with the additional 30,000 miles.

Desired Settlement: I expect that Barclaycard will immediately credit me with the additional 30,000 points that I earned.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 30, 2014
 
 
 
******* **** ** ****** ****** ***** ********* **  *****
    
 
RE:     Miles and More MasterCard account ending 4763
          
**** *** ***** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET, Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/5/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I went to make an extra payment to Barclay Card on February 2nd which SHOULD have been credited to the FEBRUARY 2014 statement. The payment I made was for $100 and when I made the payment it was with the intention that it would be applied to my February bill and I would NOT be due again until March 28th. HOWEVER, I did make 2 calls to the Barclay Card Customer Service to resolve the issue, and I was told that 1, they would reverse the late charge fee, for which they did, and I was also told that I would NOT be considered late and that I was all set to make my regular payment March 28th of 2014. So I waited and kept checking my account on the barclaycardus website which never reflected my being put back in good standing with Barclaycard despite the error being on their part, and in fact, they locked down my account so that I could NOT contact any agents to try to continue to work the problem through to my satisfaction, but instead put me into collections. The fact of the matter is that I did pay my bill and I paid on it early and I paid more than the minimum payment but again, I was NOT informed in any of the paperwork that I received when I got the card that I needed to wait until after the 4th of the month before making the payment so that the payment could be applied to the right billing cycle.

Desired Settlement: My account, by my request has been closed, But what I would like them to do is to NOT contact me in any fashion and I will dispute the account through the credit bureau. I would like to be informed of which of the Credit Bureaus they report to so that I may accurately dispute the account as I disagree with them completely about where my payment should have been applied to as opposed to where it actually went to. I no longer wish to do any kind of business with Barclay Card, but I would however also like it be well known through the Better Business Bureau what a horrible horrible business they run and alert any other potential customers to the possibility that they too will have major problems with this credit card company

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
May 23, 2014
 
 
 
****** ****** ** ******** ***** ********* * ** *****
 
Re:   Barclaycard Rewards MasterCard Account ending in 9650
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

5/5/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 #: ****** ********* ** ***** ** **** ** ********* ** *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
 
 
 
****** ********* **** ******** ****** *** *** *** ******** ** ****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 Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

5/2/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I receive offers for a line of credit via application for a credit card. Sometimes two to three times a week. I have called their toll free number to OPT-OUT of prescreened offers numerous times. And I have even went so far as to notify all of the credit score companies that I do NOT want to receive offers for credit. Barclay STILL sends me the offers for a credit line via credit card. I want this to stop. I want my name and address removed from their database.

Desired Settlement: I want my name and address permanently removed from their database as well as any information given to any of their partners. I do not ever want to receive an offer of credit from this or their partners ever again.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 16, 2014
 
 
 
******* ******* *** *** ****** ** ****** ** *****
 
 
RE:       Marketing Solicitations
  **** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ExecutiveOffice@barclaycardus.com or by calling me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/30/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Since May 2013 of last year until the present, March 2014, this company has been accepting unauthorized fraudulent charges to my credit card. Their company claims that it has an excellent fraud department yet it has failed to catch these fraudulent charges that began on my credit card last year with the same amounts each month $8.78 or $19.65. I notified them of the charges and the customer service representative did not offer me much advice to make me confident about continuing to have an account with them. The solution was to issue me a new card but if I have been issued a new card in January of this year and the monthly fraudulent charges have not ceased. this does not make me confident that it will stop.

Desired Settlement: I would like for these charges to be credited back to my account since I did not authorize them nor ever even heard of any of the made-up companies.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 14, 2014
 
 
 
******* ******** **** *** ***** *** **** ******** ** *****
   
 
RE:      NFL Extra Points Program Visa Signature account ending in 3054
      
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a judgement against my credit and I payed the credit. They agreed to delete the judgement off my credit, yet is is still listed. I called in February and they said they would take it off my credit but they have not notified the credit companies.

Desired Settlement: Take off the judgement off the credit bureaus.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 25, 2014
 
 
 
**** ******** *** ******* ***** ********* ***** **  *****
 
 
RE:       Barclaycard with iTunes Rewards Visa account ending 7251
           
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/21/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Opened card rep said minimum payment 20 it's not its about 60 and interest high suppose to be 13.9

Desired Settlement: Lower payment and intrest

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 21, 2014
 
 
 
******* **** **** ******** ****** ************* ** *****
    
 
RE:      Barclaycard Rewards Platinum MasterCard account ending in 3341
          
**** *** *****
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

4/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have a credit card account with Barclay. Every time I call customer service for any reason concerning my account they place a security hold on my credit card because they think I am a female. While my first name can be mistaken for a female, it is also a name for males. They are well aware I am a male because their correspondence and bills come with a "Mr" salutation, yet their customer service representatives always assumed that the card holder is a female and when I seek phone assistance they freeze my account. Just today 3/20/14 they have frozen my account despite me answering right on all security questions they asked.

Desired Settlement: I want Barclay to stop freezing my account every time I call and lift the current hold. Also, I would like them to note on the account that I am a male so next time I call I won't have any problems.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 14, 2014
 
 
 
****** ******* *** ***** **** ****** *** *** ********** ** *****
   
 
RE:   Barclaycard Arrival World MasterCard ending 0979
      
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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. 

Regarding: Complaint ID ********

I still have not received the detailed response that the business has sent me via postal mail. You give me until the 24th of April to either accept or deny their solution. Is there a way I can get an extension since I am still waiting for their letter?



Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 30, 2014

****** ******* *** ***** **** ****** ***** *** *** *********** ** *****    

Re:  Barclaycard Arrival World MasterCard ending 0979

          

**** *** ******** 

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.

We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

4/20/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I am dissatisfied with the use of the Reward program for a priceline.com Rewards Visa offered through Barclay Card. I feel that this program is deceptive and tricks consumers into a redemption fallacy. My current situation is the following. I currently have $25.29 credits in rewards. I have rewards that are set to expire in summer 2014. I would like to apply the $25.29 as a statement credit towards existing purchases (currently $238.96). However, I am being told that I have to apply this amount to any single purchase over $25 and at least as much as any single transaction over this amount. This is a nontransparent advertising trick. I am not actually able to figure this exactly to be able to use the points I have earned, which violates their advertised use of the card's rewards program. Specifically, I have a purchase in the amount of $26.56 (03/14/14 at Marc's Upper Arlington) to which I should be able to apply the rewards amount of $25.29. I shouldn’t have to configure an exact purchase of $25.29 to be able to use these rewards (any purchase at or above the rewards amount should be sufficient). I request that the business apply a statement credit of $25.29 to my next statement to accurately reflect the rewards earned and the time left with which I am able to use the rewards.

Desired Settlement: I request that Barclay apply a statement credit of $25.29 to my next statement to accurately reflect the rewards earned and the time left with which I am able to use the rewards.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 7, 2014
 
 
 
**** ******* **** ******* **** ********* **  *****


 
 
RE:     Priceline Visa account ending in 8831
          
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 to 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 ********************************* ** **** ** ******** ** ************* **** ****** My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday.  
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/19/2014 Billing/Collection Issues
4/17/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Mailed a package back to merchant for refund internationally on November 27th 2013. After six weeks and not getting a return payment to Barclayscard US I called to file a grievance with the merchant for not refunding the money. In January Barclays sent me notice that the case was closed after providing them with the customs declaration number for the package and told them that they have to look on usps.com to see what is happening to the package. The package was going back and forth to Berlin several times over. Where the merchant was being informed by local post office that said package has to be picked up each and every time the package went to Berlin (a total of four times where the package remains for fifteen business days before being shipped back to the US then the US ships it back to Berlin and the process starts all over again). Having called the company myself (Rammstein Merchandising) and emailing with no response I informed Barclays of situation and was told to write a letter of what has in tailed until February 13th 2013 and that the money would be credited to my account fifteen business days after it was faxed over. As of todayMonday March 17, 2014 getting off the phone with Barclays I can see they are not doing much, next to nothing in resolving this situation. The package are limited edition DVD's that are not playable in the US. The merchant made no disclosure about this in the first place and I did not find out until the package was delivered. I sent the package back within the thirty days and sent it back paid with the credit card that I am disputing now to show that it was well within the thirty day guidelines. Barclays is informing me that merchandise was not delivered to sender. I informed them that they have been made aware of package in need of being picked up and customs having to be settled, because I could not pay for it on my end thus the generated customs declaration number, and that I nor Barclays could enforce them to go and get their package from their prospective post office. I did explain that if they just pulled the money and that is what mod financial institutions due in cases just like this one. Then they would be forced to go and get their package. I don't have the package the case has been in limbo for months now and the customs declaration number is no longer active for this package. Barclays investigative practices are inadequate, I have done all the leg work and done their job for them and still no outcome.

Desired Settlement: 348.83 Rammstein Merch to be put back on my card for items returned since November 27th 2013 and the 23.99% interest on the money up until the date they decide to put it back on the card. I have also done a considerable amount of business with this company so none of this is new to any parties involved.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 14, 2014
 
 
 
**** ******* *** ********* ****** ******* **  *****
    
 
RE:     Barclaycard Financing Visa account ending 7303
           **** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/15/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Have hired a merchant and paid for services. Merchant charged me twice for the same service. Contacted the merchant to issue a refund which promised me to do it. Waited until now and refund never showed up, tried to contact merchant and now he is out of business. Credit card company refuses to refund as it is over 60 days. Contacted credit card and the only thing they said is that they are sorry and cannot help. These are the transactions which are being disputed: 09/19/13 ********* ******** *** ****** ******** ********* ******** *** ******

Desired Settlement: Dispute the transactions.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 9, 2014
 
 
 
******* ******* ***** ***** ***** ***** ************* ** *****
 
 
RE:       US Airways MasterCard account ending 6773
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/14/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This is regarding original account ****************. BARCLAYS BANK DELAWARE is posting an account on my credit report for which I have not been notified of ownership or had any validation of debt. I am also taking issue with their credit reporting practices. BARCLAYS BANK DELAWARE is reporting the amount due as $3,785.00, and showing this as an open, Revolving Account and are reporting me 120+ days past due monthly. I have no account agreement with BARCLAYS BANK DELAWARE upon which to base a delinquency in payment. Reporting of a delinquency to a credit reporting agency requires a clear billing due date and expiration of more than 30 days from that date. I have requested verification of this debt with both BARCLAYS BANK DELAWARE and the Credit Reporting Agencies, and they have not been able to provide the verification documentation. This account is still being reported for collection at all credit reporting agencies (Experian, Equifax, Transunion ). I am requesting that your company takes the following steps: * Immediately delete the collection from all Credit Reporting Bureaus. Please confirm deletion and send written notice of compliance to either the email or physical address listed above. I understand that your company enjoys a good relationship with the BBB and hope that we can resolve this quickly and amicably to our mutual benefit. I look forward to your quick response.

Desired Settlement: Immediately deletion of the collection from all 3 of Credit Reporting Bureaus: Transunion, Experian and Equifax

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 9, 2014
 
 
 
**** ******** ***** ****** ***** ***** ******** ** *****
 
 
Re:   Juniper MasterCard account ending 2989
 
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on March 27, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in 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. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/12/2014 Delivery Issues
4/11/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Because of financial hardships I could not pay my total balance of credit card. BARCLAY offered me a settlement to pay half the amount owed, BARCLAY mailed me. Letter of the settlement agreement in Dec 16,2013, I called and told BARCLAY I agreed to make payments in three months, I paid first payment in Jan11, 2014 of $200 and second payment Feb, 15,2014 of $200. But BARCLAY has failed to correct my balance. BARCLAY has been subtracting these two payments from my original balance not from the settlement agreement. My next payment is due March 15 2014, but I can not trust BARCLAY with my last payment because I have made at least 6 calls personally and have emailed BARCLAY at least 7 emails with no resolution to correct my balance. My balance owed was originally $1600 but BARCLAY offered me a settlement for $800. My acct. Statements show payments have been towards $1600. My acct. balance shows now $1200... According to the settlement it should show $400 balance . I have a voice disability, sometimes I can not speak, unless I get my treatment. Please help me, as I do want act I. Good faith with my payments and not have bad credit.

Desired Settlement: I would like my two payments to show towards my settlement agreement. as the letter from BARCLAY states, because I did call to agree on that settlement since my first payment I have made a January and a February payment a total of $400 dllrs, but I still owe $400, I will ask family to lend me this money to pay my last payment. But only when BARCLAY corrects my balance. BARCLAY had said they would correct this error since January , but no correction has been made. Thank you

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 4, 2014
 
 
 
*** ****** ****** *** ********* ****** **** ******* ** ****5
 
 
Re:  Barclaycard Financing Visa Card account ending in 9777
 
**** *** ****** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 April 4, 2014, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow up to 7-10 days receive this in the mail.
 
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 at ********************************* or by calling me directly at ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/11/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: PURCHASED A PRODUCT BY PHONE FROM AN OUT OF STATE MERCHANT. ALTHOUGH THE MERCHANT DID NOT HAVE A WRITTEN RETURN POLICY, HE PROMISED MY MONEY BACK (DURING OUR PHONE CONVERSATION) IF NOT COMPLETELY SATISFIED. I FOLLOWED THIS UP WITH A CONFIRMING EMAIL WHICH HE DID NOT DISPUTE. WHEN THE PRODUCT ARRIVED DEFECTIVE, I PHONED BARCLAYS BANK WHO ADVISED ME TO TAKE THE PRODUCT & GET AN EXPERT OPINION CONFIRMING MY COMPLAINT - I GOT TWO OPINIONS IN SUPPORT OF MY CLAIM. BARCLAYS THEN INSTRUCTED ME TO SEND THE ITEM BACK TO THE MERCHANT. NOW BARCLAYS SAYS THE MERCHANT CAN WIN THIS DISPUTE VERY EASILY BY SIMPLY SHOWING HIS MEASUREMENTS WERE CORRECT, DESPITE THE EXPERT OPINIONS THAT THE ITEM IS DEFECTIVE & NOT USABLE. THE BANK ALSO NOW SAYS HE DOESN'T NEED A REFUND POLICY TO PREVAIL. THEY SAY THERE IS NOTHING I CAN DO NOW AND IF HE WINS, HE CAN KEEP THE PRODUCT IF HE CHOOSES AND I BARCLAYS WILL RECHARGE ME FOR THE ITEM. THEY REFUSE TO ALLOW CUSTOMERS TO SPEAK WITH A REAL MANAGER AND ARGUE THAT THE SUPERVISORS THERE DO NOT HAVE A MANAGER AND THERE IS NO MECHANISM TO VOICE A COMPLAINT. THEY ALSO REFUSE TO PUT ANYTHING THEY SAY IN WRITING, EXCEPT FOR A USELESS FORM LETTER, AND THEY SAY THERE ARE NO FIRM POLICIES TO GOVERN THEIR PRACTICES. EACH REP CAN MAKE THEIR OWN DECISION, THEY ARGUE. SO A DISPUTE SEEMS TO BE WEIGHTED IN THE MERCHANTS FAVOR BEFORE ANY DETAILS ARE REVIEWED. IT'S A FARCE.

Desired Settlement: THEY'VE GIVEN ME A "PROVISIONAL" CREDIT, PENDING ANY REPLY FROM THE MERCHA NT. IF HE WINS, WHICH THEY SAY IS LIKELY, I WOULD WANT AN EXCHANGE UNTIL HE CAN PROVIDE AN ACCEPTABLE PRODUCT, "SATISFACTION GUARANTEED", AS HE PROMISED.

Business Response:

April 30, 2014

****** ********* *** **** ***** ************* ** *****

    

RE:     U.S. Airways MasterCard account ending in 5131

          

**** *** ********** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

Consumer Response:

Better Business Bureau:

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

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On October 29, 2013 I have fully satisfied a debt owed to Barclay US of Deleware through North Star Collection Services. Upon a recent credit check, I have found that Barclay is still reporting that no debt has been satisfied. In an attempt to resolve the issue, I contacted Barclay, as well as NorthStar and was given conflicting answers. NorthStar concluded that Barclay is responsible for debt reporting to the credit Bureau. Barclay informed me that it was NorthStar's responsibility to report to the credit Bureau. After speaking to both companies, I requested to speak to a supervisor at Barclay. I was informed that the supervisor refuses to speak to me, and shortly after the associate i was speaking to hung up on me. I am not irate about the situation, i am just however disappointed. I have filed a claim with the three major credit reporting agencies regarding this situation. I was informed by the agent from Barclay that they do not do any positive reporting to credit agencies, and that only if an account is past due they do a negative report against consumers. I find this hard to believe and would like an answer from someone with authority from Barclay. A copy of this message will also be mailed to the complaint department with Barclay, as well as the President and CEO.

Desired Settlement: Correct and immediate reporting to the three major credit agencies, as well as a letter of explanation for why a supervisor of a major financial institution refuses to acknowledge a customer. Also i would like a phone call from someone with authority at Barclay for an answer for the behavior presented over the phone call. The initial phone conversation took place 3.10.2014 starting at 7:16pm Eastern Time.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
May 8, 2014
 
 
 
****** ****** *** ********* ********* ********* ** *****
 
Re:   Barclaycard Financing Visa Account ending in 2162
  **** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.
 
If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/7/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: In mid February I noticed that my online account was still showing a minimum payment due of $95. On February 18th I called (866)3835310 to confirm that the $100 payment I made on 2/3/14 would cover the minimum payment due, the Barclays representative confirmed that the payment did cover the minimum due for February and no additional payment was necessary. I was surprised to log in to my account this morning and see that it showed my account overdue and a late fee charged. I immediately called Barclays to correct this mistake. I spoke to *******. ******* said that he could waive the late fee but my account would remain overdue. I asked him how this was possible when someone from Barclays had verified in February that there would be no additional payment due after my payment of $100 on February 3rd. He said there was no way to change that. I asked to speak to a supervisor, I was placed on hold and transfered to ***** (operator *******, ***** told me the same thing that ******* had, that they could remove the late fee but my account would remain overdue, I asked if there was a way to move the payment to February as I was told that that payment would cover my February statement payment. She placed me on hold for about ten minutes and came back and said they could not do that. I said how could this be possible when it was their error and I called to confirm on February 18th, she said there was no way of moving the payment. ***** returned and said she spoke to Theresa Villas and there was nothing they could do. I was on the phone for 32 minutes and still resolved nothing.

Desired Settlement: I just want my payment of $100 to be applied to the February statement as I was told it would on February 18th.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 7, 2014

***** ******* ***** ******* ****** ******* ** *****

RE:   Barclaycard Arrival World MasterCard account ending 1423

      

**** *** ********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I contacted Barclay's Bank regarding my mother's LL Bean Visa Card using the executive office email address on your site. My mother suffers from memory issues and I have power of attorney to be able to discuss matters with Barclay. In January I received a letter saying they were reducing her credit limit to only 1,000.00 because of some late payments despite the fact she has always paid her bills in full until she had health issues, now I pay their bills. I paid off the balance IN FULL and now continue to get emails asking if I forgot a payment. I think their credit card must have been compromised at Target or some other store because they shouldn't have a balance at all! The reason I paid it the last time was I didn't want my mother's impeccable credit ruined and their website wouldn't even give me a statement to look at and my mother and father didn't have any. I sent four emails to ExecutiveOffice@barclaycardus.com. One on 2/25, 2/26, 3/5 and 3/6 explaining everything and asking when I will be contacted. I included all the information needed. Offered to send the POA to them, gave them my mother and father's information and anything they would need. On 2/26 I got an email saying they would contact me within 24 hours. So far no one has contacted me, my parents or even acknowledged anything about our inquiry. This is frustrating especially since I am a Barclay Bank customer myself and have never had any issues with them or their service. I wasn't able to login to the online account we set up for mom's LLBEAN Visa and even though we keep getting emails that we haven't paid our bill, the link won't even let us in to pay whatever they are asking. I DO NOT believe my parents, especially my mother who just went through cancer treatments in addition to her other illnesses has charged up a bunch of charges that aren't getting paid and need to straighten this out. My mother is 76, my dad is 84 and they have worked hard their whole lives to have a credit rating over 800 - how can Barclay sit back and let this happen?

Desired Settlement: I want someone to contact me, now I would prefer in writing via email regarding my several attempts to contact them and want an explanation of charges. This is ridiculous.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

April 16, 2014

***** ********** ** ******* ****** ******* ** *****

Re:   L.L. Bean Visa Account ending in 1404

**** *** ***********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* *********. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

Consumer Response:

Better Business Bureau:

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

 

 


 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

4/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been trying to make a final payemnt and close out my account. Customer Service is rude and hard to work with. I would like confirmation that my final balance has been paid and that my account is closed. I have tried to update my address and make payments but every time I call, I'm met with rude and dissmissive customer service.

Desired Settlement: Closed account and final balance paid.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 21, 2014
 
 
 
****** ******** **** ******** **** ********* ** *****
     
 
RE:     Barclaycard Financing Visa Card account ending 6791
           
**** *** ********* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow up to 7-10 days receive this in the mail.
 
If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* *********. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 
Sincerely,
 
 
 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclaycard mailed me promotional checks, known as Access Checks, with my credit card number on them. Someone pilfered my mail and stole these checks (as well as checks from Capital One -- in both cases I have requested the banks to discontinue sending such checks through the mail) and used them to deposit large amounts of money into personal checking accounts, which they later withdrew as cash. The accounts where the checks were illegally / fraudulently used and deposited were held at Wells Fargo. I am a Wells Fargo customer, so when these suspicious checks were presented, a Wells Fargo representative called me to inquire whether they were legitimate. We believe a number of checks were halted this way, but not until after several had already been deposited and cashed. Two of those checks -- in the amount of $1800 (deposited / cashed January 16) and $4410 (deposited / cashed February 5) -- were Barclaycard checks. After speaking with Wells Fargo, I called Barclaycard immediately to report the first check (January 16, $1800) as fraud and continued to monitor my account. When the second check posted to my account (February 5, $4410), I called again. I was assured this would be taken care of. I continued to monitor my account. No change. I called again. This time the representative said my issue was originally referred to disputes when it should have been fraud and that she was sending it to fraud and I could expect a result within 7-10 business days. I continued to monitor my account, but there was no change. I called again yesterday, March 3, to find out the status and the representative said the issue would be escalated and that a representative would call me today, March 4. I posted this complaint on social media as well, and was assured by a customer service representative there that I would receive a call today. I have not received a call and there has been no change to the status of my account. This issue has been enduring for 47 days and counting, which is an unacceptable amount of time for a fraud claim. (For reference, Capital One initially was not very expedient, but after my second phone call they resolved the issue within the hour and the fraudulent charges are no longer associated with my account.)

Desired Settlement: I would like to see the fraudulent charges (and associated fees) removed from my account immediately.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 24, 2014
 
 
 
***** **** **** * **** ****** *** ********* **  *****
 
 
RE:     NFL Extra Points Reward Program Visa account ending in 6829
          
**** *** ***** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 10:00 a.m. to 7:00 p.m. ET Monday through Friday.  
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

4/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I currently hold a credit card account with Barclays Bank which I try to pay down by the payment period due date (3rd of the month). The website mentions that all payments should be made "on or before the due date in order to avoid late fees and charges." The current system in place has prevented me on two different occasions of paying the full balance on the credit card, with the latest payment attempt taking place four days in advance of the due date. On Friday, February 28, I made a payment in the amount of $1951.79 to my Barclays credit acccount. Although the payment should have been processed the next day on March 1, it was held until 7PM EST on March 3 after the due date passed. In addition, one transaction made on February 26 was held pending for 4 days posting at the same exact time. I contacted Barclays Bank on two occasions to find out why the payment and transaction was being held as a temporary authorization. With the transaction in temporary authorization, I was not allowed on the website or by phone to make a payment toward the purchase to clear the balance. The bank said that the payment would post by the due date and that the merchant was to blame for the transaction posting 4 days after the purchase was made (although it was obvious that it was being held as a temporary authorization on the Barclay website). Both of these statements were lies. Both the payment and transaction ended up posting within half an hour after the due date. Therefore, the account balance was not cleared and will continue earning interest over this next pay period. This same situation happened in late November last year. I am frustrated with the deceptive business practices of this organization as they try to rob customers out of their money. Their actions are illegal and violate rightful business practices.

Desired Settlement: I request that my account balance be cleared to zero for transactions happening in the month of February. I would also like to have $100 deposited as credit to my account for the additional expenses I have taken on as a result of the credit card not clearing during the months of February 2014 and November 2013 (the second occasion this occurred). Finally, I request the lowest interest rate possible for this account given my good credit history in making payments consistently by the due date.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 28, 2014
 
 
 
***** ******** *** ***** **** ***** ***** **  *****
 
 
Re:   Barclaycard Arrival World MasterCard account ending in 8040
 
**** *** ********:
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was contacted by Barclays customer service on 2/5 or 2/6/14 to update my account. I made a payment of 12.13 on 2/7/14, which I was told would bring my account up to date and reset the minimum payment. This did not reflect on my account. I kept being charged late fees and penalties (a late fee brought my account over its credit limit; this was not corrected either). On 2/28/14, I was on the phone for over 45 minutes with a customer service rep trying to adjust this, fruitlessly. I will pay my February and March balances when these fees are removed and the minimum payment is updated.

Desired Settlement: Late fees and penalties removed from minimum payment, since I was misled by customer service.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 11, 2014
 
 
 
**** ******** * ******** ***** ******** ** **********
 
 
RE:       Barclaycard Rewards MasterCard account ending 0380
**** **** *********
           
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on April 11, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in the mail.
 
If you do not received the detailed response or have additional questions, please contact our office at ExecutiveOffice@barclaycardus.com or by calling me directly at************* **** *****. My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I applied for the Barclaycard Arrival Mastercard through Barclaycard Bank. I have perfect credit, make $110,000.00 per year, own my own home, yet surprisingly was declined. The reason cited were "due to high balances" on my Trans Union credit report. I contacted Barclaycard two times by phone, leaving voicemails on their customer service line mailbox, which were not returned, and sent a fax which was not answered. Today, I called again and finally spoke to a live person and reviewed the account. After a discussion, it became clear to me that Trans Union is/was reporting old information. In January, I paid off two credit cards and my auto loan entirely, thus "paying off" about $35,000 in previously extended credit. Apparently, this is not reflected on Trans Union's report. When I spoke with Barclaycard today, they pulled my Trans Union report again and gave me the same rejection speech they gave in their decline. What they're not hearing is, this information is simply not correct. It is not my fault it's not correct. I asked if they could pull my Experian report, which as of yesterday shows my credit score as "710" and reflects the paid off accounts I spoke of, but they refused. I asked if I could submit copies of the payment drafts made on the accounts which I paid to prove I paid them. The associate further declined. I don't feel I have been treated fairly by Barclaycard customer service. I have never missed a payment on any account, my credit history is flawless and I believe my income certainly qualifies me for the pre-selected offer I received in the mail from Barclaycard. I don't feel it's fair I was declined based on inaccurate and erroneous information. I realize it's not Barclaycard's "fault" Trans Union is not reporting accurately, but it's not mine either. I made several attempts to supply the correct information to qualify for this card and was repeatedly rebuffed.

Desired Settlement: I would like Barclaycard to review this matter (Application ID# ********) and approve me for the credit card offer, which they sent. I will happily provide whatever documents necessary to satisfy their inquiry. Otherwise, if the Better Business Bureau cannot assist the desired resolution I will have to seek assistance from the Delaware Attorney General and the Federal Trade Commission.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 12, 2014
 
 
 
**** ***** **** ******** ****** *** ******** **  *****
 
 
RE:       Application for Barclaycard Arrival MasterCard account
           
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on March 12, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in 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. 
 

Consumer Response:

Better Business Bureau:

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 response. I left four voicemail messages over the course of a week for *** *********** on the number she provided, which were not returned. This mirrors the voicemails and faxes which went unreturned to Barclay's customer service department prior to my complaint the the Better Business Bureau. In those voice messages I relayed and reiterated my offer to fax a correct credit report to Barclay's. Further, 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 information. I 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 assist. My credit is flawless, my income exceeds $100,000.00 a year and I just paid off two credit cards and a vehicle loan entirely. I think this company is ridiculous for rejecting my application on a business level. Additionally, I feel they have violated the Fair Credit Reporting Act by rejecting me based on inaccuracies in my credit report. If 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 case. Since 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 Delaware. Further, I will forward this communication to my attorney and move forward on her counsel.

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
April 29, 2014
 
 
  **** ***** **** ******** ****** *** ******** **  *****
 
 
RE:      Application for Barclaycard Arrival MasterCard account
           
**** *** ******
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

3/26/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I signed up for a US Airways VISA credit card administered by Barclays Bank in November. I received word that I was approved by I never received a Credit Card. In January, I received a bill with late fee. I contacted Barclays about this and they responded that they needed additional address information to send my credit card. I provided the information via their website. In February, I received another statement but no credit card. I contacted Barclays and expressed my concern that my card could have been stolen. They did not respond. I contacted them last week and told them to refund y $89.00 annual fee and cancel my account. They cancelled my account but refused to refund me my $89,.00. I think such service in an age of credit card fraud is very poor. I would hope they would understand my concern and return my money. Many thanks, CDR *** ****** USN (Retired)

Desired Settlement: Barclays should refund my $89.00 for a service they never provided.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 18, 2014
 
 
 
****** ***** ***** ****** *** ****** ********* ** *****
 
 
Re:   US Airways MasterCard Account ending 5108
 
**** *** ****** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 March 18, 2014, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow up to 7-10 days receive this in the mail.
 
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. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/25/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had terminated my credit card with Barclays a few months ago, but accidentally paid a $7500 credit card bill (owed to a different bank) to this account on Feb 10. I immediately notified them that the mistake was done and they opened up a case to return the money, but informed me that it would take 7 to 10 days to return the money. 15 days later, I called them and was notified that they couldn't return the money, so they did NOTHING. They opened a new case, but informed me that it might take them up to 30 days to return my money. I was told that they could only issue me a paper check. They could not electronically send me the money. The new case number is *********** The original case number is ***********

Desired Settlement: I would like them to wire the money into my checking account immediately since they accepted my mis-directed payment to a dead account immediately.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 11, 2014

******* ****** * ********* ** ********* ******* ** *****

Re:   US Airways World Elite MasterCard Account ending in 3930

**** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I submitted a chargeback on two payments on my World Card with Barclay about 3 weeks ago. With the initial call I was told that I could chargeback the payments and they were filled. I was then called about a week later by a representative who was asking for additional details. Again, at the end of this call they told me they were going to continue to move forward with the chargeback. Then last week on on Thurs Feb. 20th a man named **** from Barclay called me and told me that they could not do the chargeback because it violated the Terms and Conditions set forth by the company. He refused to move forward with the chargeback stating that the companies Terms and Conditions superseded Barclay's ability to question the charge and get my money back. AS A BUSINESS OWNER I KNOW FIRST HAND THAT NO BUSINESSES TERMS AND CONDITIONS SUPERSEDE A FINANCIAL INSTITUTIONS ABILITY TO DISPUTE A CHARGE* **** was extremely unhelpful and continued to raise his voice and made me feel us the customer of Barclay that they did not care about me or my monies. He told me a manager would call me back within 24-48 hours and I've yet to hear from one.

Desired Settlement: I would like the two charges disputed and the monies returned back to my credit card.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 11, 2014
 
 
 
**** ******* **** ***** *** **** ***** **  ****7
 
 
RE:       Barclaycard Arrival MasterCard account ending 9220
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on March 11, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/24/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company charged me for late fees and reported the unpaid fees along with the activation fees to the credit bureau. This card was never activated and fees and late fees were charged anyways. I was not notified of this until I received a letter from collections.

Desired Settlement: I would like for Barclay to contact the credit bureau to resolve the issue, as now my credit is lower due to this being reported to the credit bureau over a card I never activated and authorized.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

March 21, 2014

 

********* ******** **** **** **** *** * ********** ** *****

Re:   U.S. Airways MasterCard Account ending in 4706

**** *** *********

           

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* *********. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On February 4th Barlclaycard charged my USAA Checking 16.57. The 16.57 was cleared from that account on the 4th. Barclay card then repeated the transaction on the 13 and 14th of of February even though the balance at that time would have been a 0 balance. I have been in contact through phone and the website. I have terrible issues with customers service. They insist they never received payment to check with USAA. I checked with USAA and this is what they had to say: "Dear Mr. Kane, I want to thank you for your follow up email regarding your account. Our records show the Barclay withdrawal for $16.57 cleared your account on February 4, 2014. The merchant however submitted an additional request for the same amount on February 10 and February 13, 2014 which caused the additional fees. At this time I have requested for your closure request to be expedited. If you have any further questions please reply back to this message or call us at 1-************ during our hours of operation. Thank you, Robert Casiano USAA USAA means United Services Automobile Association and its affiliates." The balance at Barclaycardus should be 0. I have made the payment but it shows I owe 16.57 so today the 21st I contacted Barclaycardus by phone since they kept replying with canned emails. The representatives at first said the same that I owed then after investigation. They looked into it then said I made double payments this isn't the first time I had issues with the website. I asked to speak to a manager and advised the manager I was now recording to hold the representative accountable and they refused to carry forward the call. I believe Barclaycardus is aware they are trying to rip me off and do not want it to be recorded as evidence. I went to file this bob report and it had the executive office number so I called that and spoke to Elizabeth. She advised me they were recording so I advised her that I would be recording as well to ensure the integrity of the call and she immediately said the call could not carry forward. I believe that the reason for this is because after reviewing the account they are aware that the tactics they are performing are questionable. USAA has showed the payment has been posted and I only owed 16.57 I will not speak to Barclaycardus without being able to record the conversation myself. They were eager to close out the account and collect the 16.57 but I'm not paying what I already paid.

Desired Settlement: Fix the bill I already paid the 16.57 so show that I have a 0 balance. Then close my account do not contact me again what so ever by mail, phone, or telegram.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
March 28, 2014
 
 
 
***** **** ** *** **** ********* * ** *****
 
Re:   Barclaycard Financing Visa account ending in 3969
 
**** *** *****
           
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 up to 7-10 days to receive this in the mail.
 
If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On February 3, 2014, I made an ACH payment of $20.00. On February 11, 2014 I made another ACH payment of $534.79 to pay the account balance off in full. On February 12, 2014, I contacted NFL Extra Point Visa Credit Card Company to verify that the ACH payment had cleared my NFL Extra Points Visa Credit Card account. The payment of $534.79 post to my NFL Extra Point Visa Credit Card account, but there was a hold placed on the available funds for seven to ten days. The company CANNOT give me a detail description as to why they have placed a seven to ten day hold on the available funds to my account. My bank which is ******* ***** **** ** **** ******** ********, has spoken with an NFL Extra Point Visa Credit Card Supervisor and informed the NFL Extra Point Visa Credit Card account Supervisor that the funds has been paid to NFL from my bank account and the Supervisor still cannot give me an honest and ethical answer.

Desired Settlement: I want my NFL Extra Points Visa Credit Card account to reflect a open line of credit of $500.00. I want the holds removed. I want a letter of apology from NFL Extra Points Visa Credit Card Services.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
March 21, 2014
 
 
 
******** ***** ** ** *** *** **** ******** ** *****
 
Re:   NFL Extra Points Program Visa Account ending in 1260
  **** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

3/20/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i called Barclay card in reference to a charge for overnight shipping of giftcards redeemed through their points program. I was unaware that their system automatically defaults to overnight shipping when I submitted my request. I only learned of this once my husband processed a redemption with his account and discovered this issue. So I called them the next morning as it was too late in the evening to reach the correct specialist that night. At the time of my call no fee had been billed. The representative I spoke with (whom I unfortunately did not get the name of) promised that she would follow up and monitor my account for the overnight fee of $36 to post to my account and she would waive it. It has now been almost a week since my call and the fee has been billed but not waived. I emailed the company via the online secured messaging and their response was that they apologize for mis information and inconvenience but that they were not waiving the fee. So now I put this in your hands. This is not right! Their online redemption system is a rip off being that it defaults to the most expensive shipping option!!! I want my money back!!!!

Desired Settlement: I want the $36 to be credited back to my account.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

March 17, 2014

 

******* ****** ** ****** ****** ***** *************** ** *****

Re:   Barclaycard Rewards MasterCard Account ending in 3686

  **** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* *********. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/18/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclays purchased an account I filed bankruptcy on in 2009. We were never notified they purchased a our closed account. We have tried to get a mortgage and found that they have reported me late in Oct 2013, Nov 2013 and Dec 2013 on $6142 balance that we filed bankruptcy on and they are reporting a $0 balance. We have tried to get a letter stating it will be removed so we can get a rescore since this reported delinquency tanked my credit score and have had no luck. We get a different story every time we call and as far as we can tell there have been no notes made on our so called account. Our lawyer sent a letter also back in January. We are getting down to the wire on our house and need this removed ASAP.

Desired Settlement: We need this to be taken off of our credit report since it is not correct reporting. It should have never been sold to Barclays and should have never been reported by them since we were never notified and it's not an open account to report us late 3x

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 17, 2014

*** ****** **** ******* ** ********** * ** *****

Re:     Credit Bureau History Dispute

  **** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/17/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am a Sr. Software Engineer and recently I received a Credit Card offer from BarclayCard US. I guess they pre-screened my score and they sent me a credit card offer. I checked their offer, the card didn't have any annual payment so I accepted their offer and applied to it. On the other hand, they pulled my credit score and didn't approve my application. It can be understandable at first sight, but here are my points : 1. They sent me a letter and said sorry for that. Reason is "too many new accounts opened". My account count is the same before and after your offer, it didn't change. You already knew my account number. 2. There is no phone number that I can call or no e-mail address. Only a mail box address to complain, so I decided to write here. 3. I didn't need any extra credit card, you offered me and I accepted. But you didn't approve my application and caused to decrease my credit score for nothing!!! 4. I've been in USA for only 3.5 years and my credit history is short and all my accounts were opened last 2 years. It is very natural and I have nothing to do for this. 5. I have 13 credit cards from BofA, Chase, American Express, Discover,Amazon and their limits are totally $49,350. I'm really a credible person and I did my best in such a short time. You can not refuse my application with such a simple reason. It's not fair! 6. Last year I used a $7000 balance transfer for a small investment, so my score is a bit low than last year. But I payed off all balances before their due date as always before. I have not any financial problem! 7. I have no balances on my credit cards, I cleared all of them at once and I have extra $7000 cash in my saving account after payed off everything. Do you think that I am financially weak??? 8. In spite of my financial strength that I explained here, if you still don't want to work with me, I also don't want to work with you. Please do not send me any offer from now on because I will not accept it. Thanks.

Desired Settlement: If you will not approve that card, send a dispute to Credit Card Bureaus and clear that unnecessary query and please don't send me any offer from now on. I don't want to be affected for nothing! If you approve it, please re-think about your evaluation processes, contact information and accessibility. I couldn't reach anybody over the phone and I couldn't find any email address to complain on your web site.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
March 6, 2014
 
 
 
***** ***** ***** ******** **** ** ******** * ** *****
 
Re:   Barclaycard Rewards MasterCard Application
 
**** *** ******
           
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on March 3, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days receive this in the mail.
 
If you do not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/17/2014 Problems with Product/Service
3/15/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: On February 14, 2014, I was booking a flight on Priceline.com and near the end, an ad came up to "save $50 on this flight purchase by applying for the Priceline credit card" (issued by Barclay Bank). I applied, was accepted, and the last step was to create a password for the Priceline.com site, which I did. The site then told me my email was already in use, so I went through the process of changing my password and logged in. At that point, I realized my flight itinerary was nowhere to be found. I went through the process of creating it again, except this time at the end I did not have the option to use my new credit card and save $50 on the flight. I started an online chat with a Priceline representative, who told me there was nothing they could do and I'd have to contact Barclay. I contacted Barclay and received the same story, even though they saw me as a newly approved customer, they would not help me utilize the new card. Now that I'm typing this out, I feel it's a bait and switch not only on Barclay's part, but Priceline.com as well. Please take this as a complaint against both businesses. So, I didn't save $50 on the flight, I have a new card that I can't use (until I receive it), and I'm sure both companies are making out on my behalf. This feels like a complete scam to me. I was told by the Priceline representative that the $50 bonus would come as a credit on my statement after my first purchase, but the bottom line is that I wanted to save $50 on that flight, not have to buy something else from Priceline. Now they are forcing me to go back to their site and buy more products in order to receive the $50 credit, instead of receiving it on the flight I was purchasing, which is what the advertisement promised. Also, I was basically forced to go ahead and buy the ticket since obviously I needed the flight and it was the best price I could find.

Desired Settlement: Since I was essentially forced to buy the ticket, and will not receive $50 off of the flight by applying for their credit card as promised, I would like a $50 refund check sent to me.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 12, 2014

****** ****** **** *** **** **** *** ******* **  *****

Re:   Priceline Visa Platinum ending 8262

**** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I had a upromise credit card that was previously service by Bank of America and transferred to Barclays bank of Delaware in September of 2012. On January 24, 2014 I received a letter dated January 17, 2014 from Barclays Bank of Delaware, stating that My account was closed. The reason give was that I had not used my account for an extended period of time. This was the only communication that I received from Barclays bank. Seeing that I have had a unpromise credit card for many years and never had any issues, I decided to contact Barclays Bank on 2/25/14. I spoke to ***** **** ********) who informed me that there was nothing she could do and that she would refer the case to a manager. A message was left for me a few days later with a reference number # ******** for me to contact the Resolution TEAM at *** ********. I contacted the resolution team on 2/3/14 and spoke to a rep name ***** who stated that no prior notices were sent to me and that Barclays Bank reserves the right to close any account for failure to use. She further stated that the only way for me to get a new card is to reapply for a new account. This I have a major problem with, seeing that I have used the card many times prior, paid on time and never had any issues. It is my belief that they should have given me the opportunity to use the account instead of closing it. This situation was poorly handled.

Desired Settlement: I prefer that my account be reactivated without me having to reapply for a new card and having to undergo the credit approval process all over again.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 13, 2014
 
 
 
**** ****** ** ******* * ***** *** ********** **  *****


 
 
RE:     Upromise MasterCard account ending in 3160
          
**** *** ******: 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 10:00 a.m. to 7:00 p.m. ET Monday through Friday.  
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/12/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I paid off my balance in full several times. I was charged $200+ in interest even though I have paid my balances in full so 12 months later my account was paid on the initial purchases. I have contacted the bank several times with no resolution.

Desired Settlement: Refund the interest charged.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

February 25, 2014

 

********* ****** * **** ****** ****** ****** ** *****

Re:   Barclaycard Financing Visa Account ending in 0214

**** *** *******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* ********** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/11/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The credit card company debited my payment out of my account twice. Which came to a little over $400.00, it also overdrew my account by $55.00 and I was charged a $30.00 overdraft fee. When I called Barclays and told them the manager said she would expedite the process, but it would be 7-10 days. I explained because of a car wreck I couldn't cover it, I'm only working a few hours a week. 12 days later the money hasn't been returned to my account. I called Barclay's back and now they tell me they have up to 30 days to resolve the issue, I again explained my plight but they refuse to do anything about it. I feel like my money is being held hostage! I hope you can help me resolve this issue. Thank-you.

Desired Settlement: As soon as possible

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 11, 2014

******** **** ** *** *** ****** ** *****

Re:   Juniper Platinum MasterCard Account ending in 5467

  **** *** *****

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 ******, 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

Wilmington, DE 19899-8885

March 3, 2014

 

****** ******** **** * ******** *** *** ********  ** *****

Re:   Barclaycard Arrival World MasterCard ending in 3416

**** *** *********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I signed up with this card over a year ago, i have never been late on my payments. i'm about to pay off the full balance but notice there are points remaining. i called to redeem but they told me i need a minimum of 2500 i dont feel its fair that i cant redeem all the points i earned. i spoke with a manger by the name of jim number os2jmi who refused to redeem the points even tho i told him i'll file a bbb compliant he didnt care. now we have to go through this process for a few points.

Desired Settlement: my points to be redeemed

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
March 7, 2014
 
 
 
****** ******** *** ********** ***** ************ **  *****
 
 
RE:     Barclaycard Arrival MasterCard account ending in 0751
          
**** *** ********* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry. Under separate cover we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday.  
 

 

Consumer Response:

Better Business Bureau:

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.

I have not received anything from you aside from this message.  why should i contact you to tell you that if you already know? i really dont see the point of your response. i shouldnt have to tell if you you responded to me or not.

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 14, 2014
 
 
  ****** ******** *** ********** ***** ************ **  *****
    
 
RE:     Barclaycard Arrival MasterCard account ending 0751
          
**** *** ********* 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have never had a more disagreeable experience in my life than trying to cancel this Credit Card and not being charged unethical and unreasonable fees. I signed up for this card on my way to Hawaii at one of the most difficult and heartbreaking times of my life.My daughter in-law had just been killed in a horrific accident. My son was in the hospital and I was going there to be with him and to make arrangments for his wifes body.I misunderstood the way the card worked from the beginning and did not know that there would be a YEARLY fee.I never used this card or benefited from it. When I got a bill for the annual fee I tried to call and cancel the card and was told that I could not do it until I paid the Fee. I sent a check in to pay the fee and then called several weeks later to see if the money had been posted to my account. The computer generated call to the billing department verified that my check had been received and posted to the account so I called a representative to get the card cancelled. For the next 45 minutes I got the run around. The representative kept telling me that they could not cancel the account until I paid the fee and that it would be kept open as long as there was a balance on the account. I told him that the check had been sent weeks previous with a note on it to cancel the account and it was ignored. He had me contact my bank account to see if the check had been processed and it had not but I had sent it to them weeks prior and felt that they had received it in adequate time to post to that account and let me cancel it. He kept telling me that they had ten days to process it. It had been longer than that. No effort was made on the part of the associate to help me or to guarantee that I could put a hold on the account or something to keep me from continuing to get late fees and interest charged because of not allowing me to cancel the card. I just received another bill for late fees even though I did pay their yearly fee of which I have no use. Please help

Desired Settlement: I feel like they should refund all the money I paid them because they ignored the notes I sent with their bills to cancel the account. They refused to cancel the account over the phone. I never used the account, and have been trying to cancel it since October. After reading the negative comments about their credit card on the internet I can see that they have a long history of terrible customer service and misrepresentation and I feel that they should not be allowed to do business this way.

Business Response: February 18, 2014
 
 
 
******** ********* **** ** *** ** ********** **  *****
    
 
RE:     US Airways MasterCard account ending in 2588
          
**** *** ********** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. 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 ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On January 25, 2014 I called to gather what I had paid in interest for the fiscal year 2013 for tax purposes. I spoke to ****. I was told that my card was being cancelled immediately as my husband was not available to speak to ****. In 2013 Carnival was informed of my husband's death. I have my own credit card in my name. I have always paid my bills on time and paid the full amount owed every month. I was not given the information that I requested and was informed that my account was being closed immediatly. **** would not listen to me that the account was in my name and he insisted that my account be closed immediately. I infomed **** during the conversation that I would be contacting the BBB in reference to this matter. I have sent a letter to Carnival about this. I do not believe that this should have happended and I would like my credit card back. I also have Fun Points of 31,546.Thank you for your help.

Desired Settlement: I want my credit card back. They have no right to cancel my account without my permission. I have always paid my bills on time and in the full amount every month. They do not have to treat people this way. If they close my account and will not give me my credit card back I want my Fund points of 31,546 redeemed in cash to me.Thank you for your help.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

February 25, 2014

 

***** ******** **** *** ****** * ************* ****** ** *****

Re:   Carnival MasterCard Account ending in 4133

**** *** *********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* *********. My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have two Wal-Mart charges on my credit card. One was from a store in Albuquerque, NM on 11/29/2013 for $95.66. The other charge was from a store in Oklahoma City, OK on 12/1/2013 for $101.71. I called Barclay to dispute these charges, as I have not travelled to those cities, nor have I shopped at Wal-Mart in at least a year. A claim was filed, and a couple weeks later I received a message from Barclay that, because they were able to retrieve a merchandise receipt with signature from Wal-Mart, they were closing my claim. I called Barclay back and requested they reopen my claim. In order for them to reopen my claim, I needed to respond to a letter they would send in the mail to me, and write a letter back explaining my case. Once my letter was received, I was told they would reopen my claim. Well, that letter from Barclay never arrived. I called again and tried to find out more information. Both times I was put on hold with their Dispute team for over 20 minutes before the connection was finally lost. I have tried emailing Barclay through the messaging on my account. I received a standard message back, apologizing that they could not help me via the message service, and for me to call their dispute number. The response Barclay sent made me feel that my request was not taken seriously. I emailed again, pointing out how I had asked a specific request that was not taken into consideration. Once again, I received the same exact standard message back. I refuse to waste any more of my time sitting on hold, and I refuse to pay about $200 of someone else's purchases. I have plenty of proof that I'm happy to share which shows that I was not in Oklahoma or New Mexico during the dates provided above.

Desired Settlement: Refund the disputed charges without any additional hassle.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

February 17, 2014

 

****** ******* **** ***** *** ********** ** *****

Re:   Barclaycard Arrival World MasterCard Account ending in 7593

**** *** ********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at E******************************** ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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

Wilmington, DE 19899-8885

February 25, 2014

 

***** ** ****** *** ** **** * ******* **** *** ****** **  *****

RE:     Credit Bureau History Dispute

          

**** *** ** ******* 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on February 25, 2014, we 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 have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

3/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay's has a 0 percent liability program and have failed to honor this. I made the bank aware of fraud/unauthorized charges on my account as soon as I was aware something had occured. I've placed over 50 phone calls with requests to speak to supervisors that have not been returned or answered. I spoke with someone in the executive office over a week ago and they promised some type of contact by the end of the week but that too wasn't followed up on. I told that person and supplied an email with evidence of another bank finding that fraud took place on my account there. I've been totally open and honest and willing to supply anything needed but no contact has been made with me. Please advise

Desired Settlement: I would like the fraud charges credited to my account as well credit for the interest I paid on these unauthorized charges

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

March 6, 2014

 

 

 

***** ***** *** ******* **** *********** **  *****

 

 

RE:     Barclaycard Rewards MasterCard account ending in 2191

          

**** *** ****** 

 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 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 10:00 a.m. to 7:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 

 

 

Consumer Response:

Better Business Bureau:

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.


I received correspondence from Barclays and it wasn't at all what was discussed through here.  I have unauthorized charges on my account that I gave to Barclays over 4 months ago.  They sent me an old credit card statement in the mail.  I'm guessing this is a poor attempt to buy time but if I don't hear something related to my actual complaint,  I will move forward with legal action.

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 12, 2014
 
 
 
***** ***** *** ******* **** *********** **  *****     
 
RE:     Barclaycard Rewards MasterCard account ending in 2191
          
**** *** ****** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

3/3/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I had signed up for a Frontier Mastercard in 2102 at a kiosk in the Denver International Airport. The lady who signed me up for the card told me I would instantly be awarded 25,000 points which could be redeemed at any time for one round trip flight to anywhere Frontier flies. She told me, the points never expire unlike the cards from United and other airlines which makes the Frontier Mastercard a better card. I asked her twice again about the details of being able to redeem the points at any time and asked her twice about the points having no expiration date. The lady assured me I could redeem the points at any time and the points will not expire. When she was giving me the sales pitch, I told her I most likely will not use the card; she told me I may want to use it a couple times just to make sure it is activated. Before applying for the card I once again asked about the automatic 25,000 points and being able to use them at any time; the lady confirmed to me that once I was approved for the card I would automatically be awarded the points and that was all I had to do to earn the points and the points would not expire. In December of 2013, I tried to redeem my points, I called Frontier and was transferred back and forth to same/different departments I was told I did not have the points as they have expired and I did not accumulate the first 500 points myself. I have contacted Frontier on this issue only to be told I did not have the 25,000 points. I feel their representative gave me false and misleading information. Due to the false and misleading information I received from the Frontier representative at the kiosk and that Frontier would not honor what their own representative told me, I have closed my Frontier Mastercard.

Desired Settlement: I would like Frontier to better train their representatives. I would also like Frontier to be held accountable for the false and misleading information I received from their kiosk representative by being awarded one round trip airfare to anywhere Frontier flies as I was promised.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

March 3, 2014

**** ******** *** ***** ****** ********* ** ****

1

Re:   Frontier MasterCard Account ending in 7885

**** *** *********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* ********** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This company is reporting inaccurate / miss-information to my credit report, on an account that is not mine. I have sent written dispute letters (via Certified Mail) to both, the credit bureau and this company multiple times, with no result. I do have full copies of my mailings and signed delivery receipts to substantiate this complaint.

Desired Settlement: Per the FCRA, this account should be DELETED from my credit report because; 1.) This miss-information showing is NOT mine. 2.) Creditor's lack of response to my validation attempts.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
February 14, 2014
 
 
 
***** * **** **** ****** **** ***** **  *****     
 
RE:     BJ’s Visa account ending in 4078
          
**** *** ***** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 for that response to be received through the mail.
 
If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 
 
********** ****** *** ****** ** *** *********     ***         ****** ******** ****** ** ********

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
June 3, 2014
 
 
 
***** ** **** **** ****** **** ***** **  *****
    
 
RE:     BJ’s Visa account ending in 4078
          
**** *** ***** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

2/23/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I called back in November to get my payment date changed from the 3rd of the month to the 16th of the month. This didn't happen. The person I spoke with in November (his name was ***) told be that he would be able to help me in changing the dates and that it would take effect Jan. So Jan. 6th I checked my checking account and noticed that my payment was taken out of my account and sent my account into overdraft and I was charged $30.00 because of Barclays mistake. I called and spoke with **** who was completely rude to me and was blaming me for the problem and stated that it was my fault that this occurred. I explained to her that it wasn't my fault, I did my due diligence by calling in November to ensure that my payments would be taken out on the 16th of each month--the fault laid on the company not me. I told her since the company already took the money out of my account and it was applied for this month to go ahead and cancel the 16th payment date for this month and requested that my overdraft fee be refunded to me in which she stated that she couldn't do that and she was sorry for the inconvenience. (Yet again in a rude manner) So now on the 16th of Jan. my account was charged again and $90.00 was taken out along with another $30.00 overdraft fee on my account. I called on the 20th and spoke with May (who was very nice, me at this point was not) informed me that she saw the error and would start the progress to refund the $90.00 back to my account in 7-10 business days and I would have to call back concerning the overdraft fee. I asked May to make sure that for next month the payments will come out on the 16th in which she did. So I called back again concerning my overdraft fees to be refunded and spoke with **** and he told me that he couldn't refund me my $60.00 that I was charged in overdraft fees, but what he could do is credit my account $35.00 for the inconvenience. I don't ever complain nor have I ever filled out a complaint before, but I feel this company doesn't care that they have left me with no money, nor do they care about the fact they have overdrawn my account not once but twice and refuse to give me back the money I lost because somebody didn't do their job. All I want is the money that is owed to me, and the inconvenience that this company has placed on me.

Desired Settlement: I would like my $90.00 + $60.00 in overdraft fees that this matter has cost me.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
March 11, 2014
 
 
 
******** ********** **** ********** **** ********** ** *****
 
 
Re:   Upromise MasterCard Account ending in 2869
 
**** *** ***********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.
 
If you do not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me.  I am requesting that the company please write a letter explaining in full detail what happened and what they did to fix the problem. The company that I work for checks my credit report frequently and due to this issue it made my credit score go down. My company requires me to give them a full explaination and it would be best it the letter came from Barclay's Office of the President. Please let me know if there are any concerns or questions.

 

 

Business Response: April 30, 2014
 
 
  ******** ********** **** ********** **** ********** ** ****1
    
 
Re:   Upromise MasterCard Account ending in 2869
          
**** *** **********:
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

2/21/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay was ending their contract with Virgin America and we were notified that they would issue us a new card. I contacted them to cancel my account because I did not want a new credit card account under my credit profile. I received an email from their company that my account has been closed. Today, I received my new credit card in the mail. My credit profile has been dinged for a new credit card, this is unacceptable. This was not authorized.

Desired Settlement: My credit has been dinged, I don't know how they will be able to fix that but they need to cancel my account immediately.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

February 6, 2014

 

***** ****** *** ***** ******* **** ********* ** *****

Re:   Barclaycard Arrival MasterCard Account ending in 5051

**** *** *******

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

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to resolve this situation. Please allow 7-10 days for that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/21/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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

Wilmington, DE 19899-8885

February 20, 2014

 

******** ******* **** ** ******* ****** *** ******** ** *****

Re:   Barclaycard with iTunes Rewards Visa Account ending in 1055

**** *** ********

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

We have fully investigated your inquiry. Under separate cover, we sent you a detailed response of the investigation and any actions we may have taken.

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

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/21/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My mom was a cardholder of a Juniper MasterCard for several years and paid for the credit protection service which advertises benefits regarding payment cancellation and CANCELS your outstanding balance of up to $10k if you die or become permanently and totally disabled (bal, $5600). My mother passed away on 16 December 2013 and to date I have not been able to speak to anyone regarding her payment protection for which she is still currently being billed for 1 month after her passing. I have called no less than 10 times to get a contact number for the account protection company, what is listed on the website is not a working number and not one single Customer Service Representative has a working number or will give me a supervisor to assist. I have been given several different phone numbers in an effort to get me off the phone but none work, one representative just unceremoniously transferred me to the collection agency who treated me like a criminal. Even though the creditor was advised promptly of her passing and closed the account they are not only STILL charging her for this "account protection" they also have sent her account to a collection agency that is harrassing me. I also asked to have myself removed from her account, I was only an authorised user not an account holder but they are reporting to credit agencies with my name as though I am not paying the bill and negatively affecting my credit and taking advantage of me during my time of grief.

Desired Settlement: I would like them to provide a contact number for their agency handling credit protection and assistance in resolving the financial piece, I would like them to remove the "authorised user" piece from my credit, remove her account from collections, and supply the benefit she paid for, for almost 5 years. I would like them to refund some portion of what was paid for these services that are near impossible to use and an apology.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
February 6, 2014
 
 
 
***** ** ********* *** ******* ****** *** ******** * *****
    
 
RE:     Juniper account ending in 2895
          
**** *** ********** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring closure to this situation.   Please allow 7-10 days for that response to be received through the mail.
 
It is our goal to provide exceptional service and it is our hope we have met your expectations. Should you have additional concerns, please contact me at E******************************** ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

As of yet there is no resolution to my initial complaint yet these fraudsters are still charging my mothers CLOSED credit card account for their service and have not been forthcoming with a response.  The account was closed in December 2013 due to her passing away, so there should be no further charges made to the account either.  

Better Business Bureau:

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.

 

 

 

 

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

March 12, 2014

 

***** ** ********* *** ******* *** *** ******** ** *****

    

RE:     Juniper MasterCard ending 2895

          

**** *** **********

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover, we sent you a detailed response of the research and any actions we may have taken. Please allow up to 7-10 days to receive this in the mail.

If you do not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

2/19/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: November of 2013 I decided to transfer a couple different credit card accounts to Barclay , because they offered a 0% APR on transfers. I thought this was a no-brainer to try and get as much paid off during the time they offered. I transferred two different accounts and a fee of the percent of the amount was added, which I was aware of. I start receiving my statements and noticed I was being charged interest on this account. I call their customer service and they tell me that there was a new offer on January 3rd 2014 after I have already transferred my accounts. They want to tell me that there was no offer when I transferred my account, but this isn't so. After the conversation and disgust with these people I have transferred this account balance to another company, but this is just bad business.

Desired Settlement: I hope that these credit card companies will stop lying to people to get them to use their card and then go back on their offer. There should be a heavy penalty on such practices.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

February 20, 2014

 

 

 

 

******* ****** **** **** ****** * *********** ** *****

 

 

 

Re:   Juniper MasterCard Account ending in 5587

 

**** *** *******

 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

 

If you have not received the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are normally 9:00 a.m. to 6:00 p.m. ET Monday through Friday.

 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/15/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I opened my credit card account because it had a cash back offer if I were to make over $500 in new purchases with the card within the first 3 months of having it, I would receive $100. After never receiving my reward points, I called and spoke with a representative who told me someone would contact me within 7-10 days by phone or email regarding this issue. I was never contacted. He gave me case reference#*******. I then submitted an email through the secure email system that stated I could receive a response within 6 hours or less; I did not. Once I did receive a response, I was told that due to the nature of my concern a manager will call me within 24-48 hours. This also has not happened. I wish the BBB website allowed me to choose multiple complaints as customer service is obviously a huge issue here. There is a lot of over promising and under delivering and I am extremely frustrated. I have worked and currently work in the financial industry myself and am very disappointed the the lack of customer service and followup. I receive lots of credit card offers, many with point, mileage and cash back deals but I chose yours because of the particular offer you had.

Desired Settlement: Minimally, I would like the offer I applied for and fulfilled within the 90 days. At this point it would be desirable for some sort of compensation for the amount of time I have invested having to followup and attempt to contact those who were supposed to contact me again and again. Unfortunately, I am now stuck with this card as closing it will damage my credit and applying for a new card with a company who will fulfill their claims and offer better service will do the same.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 31, 2014
 
 
 
******* ************ ***** *** ****** **** ********** ** *****
    
 
RE:     Barclaycard Rewards account ending in 6074
          
**** *** ************* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on January 22, 2014, we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

Consumer Response:

Better Business Bureau:

I never received the response made by the business in reference to complaint ID ******** and my complaint has not been resolved.  I received two phone calls and messages from the business to which I responded. I never heard back. For your reference, details of the offer I reviewed appear below.

Minimally, I would like the business to honor the original offer of $100 worth of points credited to my account.

 

 

 

 

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

February 27, 2014

 

******* ************ ***** *** ****** **** ********** ** *****

RE:         Barclaycard Rewards MasterCard ending 6074

**** *** ************* 

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Under separate cover, we have resent you a copy of the detailed response of the research and any actions we may have taken to your address of record.  Please allow 7-10 days for that response to be received.

If you do not receive the detailed response, please contact me directly at ************* **** ***** ** ** ***** ** ********************************** My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

2/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I spoke to someone from BRCLYSBANKDE in reference to a mistake that was mostly done on my part. I didn't realize I signed up for there service a month prior to applying again. This resulted in 2 hard inquiries on my Transunion credit report. I spoke with a gentleman who agreed that they could possibly help me out and reduce this to a 1 hard inquiry in certain circumstances and he would have someone contact me in a week. I still have yet to this day to get a response wether or not they can do that for me as it does have a affect on my score. The purpose was to increase my credit when I spoke with this individual and he agreed. "Yes this sometimes happens and we get that all the time" Well if you can help. I'm trying really hard to fix my credit and like I said I went to you to try and fix it. Thank you very much.

Desired Settlement: I would like you to contact Transunion and have them delete the BRCLYSBANKDE inquiry if possible. If not can you please send me an explanation why you would say something and not call me back. The applications were made in February 2013 and March 2013.Thank You.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
February 13,2014
 
 
 
******** ******* *** * ****** *** *********** ** *****    
 
 
RE:     Credit Bureau History Dispute
          
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on February 13, 2014, we sent you a detailed response of the investigation and any actions we may have taken. Please allow up to 7-10 days to receive this in 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. 
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/13/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Almost a year ago, I paid off this credit card, in full, and told US Airways MasterCard Customer service that I DID not wish to renew it. The company HAS NOT let me CANCEL this credit card AND continues to bill me fees and charges for nothing. I HAVE CALLED THE COMPANY OVER 6 times and they say they will take care of it and STILL nothing has happened - they continue to not resolve the issue by continuing to bill me. I HAVE CALLED AND ASKED FOR A MANAGER TO CALL ME and no calls returned!I have impeccable credit and how ridiculous this is that they have refused to let me CANCEL THIS CREDIT card.As an aside to the main complaint, I think the credit card was misrepresented and the rewards were not meaningful as they only flights times I could get during the one year I had the card were WAY OVERPRICED so the free flight was of no value whatsoever.When the in-flight attendant sold us this credit card during a flight, the description she gave us of the card benefits were absolutely NOT represented clearly and completely.

Desired Settlement: I wish for me account to be closed immediately with a zero balance and my credit restored immediately to its A plus status.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 31, 2014
 
 
 
**** ******* *** *** ****** ***** ***** ** *****
    
 
RE:     US Airways MasterCard ending 7950
          
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. Should you have additional concerns, please contact me at E******************************** or by calling me directly at ************* **** ****** ** ****** ***** *** ******** **** **** ** **** **** ** ****** ******* *******
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/11/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I opened my Hawaiian Airlines Barclay card on 1/1/14 via online. I received my card 1/11/14. I called to activate the card & was told there was a balance of $1212.60. I called 866.250.2878 to report identity theft, as I have not used or authorized a transaction to my card. The card is now closed. I was first told by a Barclay associate that Charge was made by Hawaiian Airlines. I was put on hold so the associate could discuss with a manager, "since this happened the day you opened the account." The associate got back on the line & told me that I would have to call Hawaiian Airlines. I was told they could not help me. I asked for the fraud dept 3 times, then a manager. I was put on hold, then spoke to someone named ***** ** *****? - who told me the same thing-- call Hawaiian Airlines. I hung up the phone & called- only to learn they were closed. Ha Airlines is only open M-F. I called Barclay back in tears. I talked to a very nice man who told me he would send my complaint to the fraud department for investigation. I explained the first associate refused to listen to me. I am a victim of an unauthorized charge. I called Hawaiian Airlines today. They pulled up my mileage number and show no booked travel. I asked if they could pull 1/1/14 transaction & was told no. They told me to contact my credit card/bank... So I contacted Barclay again. I was told this time that the appropriate paperwork would be filled out for me. I was told of the fraud dept needed anything, they would call me. I was also told that it could take 90 says for the charge to be resolved- after an investigation. I have no idea what the charge is for. I have not purchased anything from Hawaiian Airlines. I just got this card on Saturday. I feel like I am getting the "run around" by both companies. I also notified the Credit Bureau to put an allert for identify theft in my card. I signed up for this Barclay Card bc I wanted to take advantage of the $35k mile promo. It has now brought me nothing but fear my information has been comprised and doubting you have employees that know what they are doing.

Desired Settlement: I want the 1212.60 removed immediately from my account. I want Hawaiian Airlines to stop whatever the charge was for. Nobody needs to travel on my behalf, it's FRAUD. The employee and manager who told me to call the airlines need education in customer service and resolving conflict. Praise the two people I spoke with after for showing me compassion & actually listening. I want something in writing that the account will be cleared of this charge. Please make this right. I want assurance that it will Not take 90 days but ASAP. Feeling very frustrated- instead of my initial excitement over this card.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

January 27, 2014

 

 

 

 

*** ***** ***** ** ********** ***** ********* ** *****

 

    

 

RE:     Hawaiian Airlines MasterCard account ending in 2495

          

**** *** ****** 

 

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

 

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.

 

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 at ********************************** It is our pleasure to have been of service. 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/11/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclaycard sent me several advertisements about a credit card promising 0% apr on balance transfers for 6 months and a 0 balance transfer fee. After 6 months the advertisement stated that the apr would be 22.99% The offer stated I was preselected. I only applied because of the offer of 0% apr for 6 months and 0 balance transfer fee. Within this advertised offer there was a section to write the account number and dollar amount of the balance of the credit card that you want transfer. I was approved for the card but charged a balance transfer fee. And my account stated that my balance transfer apr was 22.99%. This was totally not what was advertised to me. I feel very misled and taken advantage.

Desired Settlement: I would like a refund of the balance transfer fee charged to me and for Barclay to honor the advertisement of the 6 months 0% apr for 6 months. Thank you

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

February 5, 2014

 

 

 

 

**** ****** *** ******* ***** ****** ** ********** **  *****    

 

RE:     Barclaycard Rewards MasterCard account ending in 4263

          

**** *** ******* 

 

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

 

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to resolve this situation. Please allow 7-10 days for that response to be received through the mail.

 

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 at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 10:00 a.m. to 7:00 p.m. ET Monday through Friday. It is my pleasure to have been of service. 

 

 

 

Consumer Response:

Better Business Bureau:

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

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: A invitation was mailed to my home to apply for the Visa Black Card. I look over the description and applied. Upon receiving my statement I noticed a $495.00 annual fee. I contact customer service and told the first person I spoke to that I was not aware that this card carried such a fee, she told me she could do nothing for me. I ask to speak to someone else. After being placed on hold for a long time, I finally spoke with a person by the name of ********, she said all she could do for me was credit my account $100.00. I am very disappointed in the deceptive marketing practices of this organization which led me to believe I was a applying for a card with no annual fee, as I told my wife. If I had known this card came with a $495.00 annual fee, I would never have applied. It makes no sense, and this company should never have approved me for a lousy $5000.00 when this card carries a $495 annual fee. This is just deceptive advertising/marketing strategy to take advantage of unsuspecting consumer such as myself.

Desired Settlement: I want my account credited for the full $495 charged to my account and close the account immediately once the fee has been credited.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 31, 2014
 
 
 
******* ***** **** **** ***** *** ************* ** **********
    
 
RE:     Visa Black Card account ending in 5175
          
**** *** ****** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I'm guessing but I've probably had this account for 10 years. I HAVE NEVER BEEN LATE-- NOT ONCE. I AM NOT USING THE CARD AND HAVEN'T FOR YEARS because they gave me a good balance transfer offer but I also paid them an upfront fee... I HAVE NEVER BEEN LATE PAYING THE BT... in fact I am on automatic payments WITH THEM.. for quite some time... even though previously I've paid off the balance periodically.. I haven't lately BECAUSE I PAID THEM A FEE TO TAKE ADVANTAGE OF THE BT OFFER... (anybody with any sense at all would know when you have a good rate you don't pay it off immediately-- THAT WOULD BE IGNORANT.. plus I PAID A FEE TO TAKE ADVANTAGE OF THIS. NOT SURPRISINGLY I GET A LETTER FROM THIS OUTRAGEOUS COMPANY (check out my normal apr -- WHEN I'VE NEVER-EVER BEEN LATE) THEY SEND ME A LETTER STATING THEY ARE LOWERING MY CREDIT LINE BECAUSE MY PROPORTION OF BALANCE TO LIMIT IS TOO HIGH.. (& PROPORTION OF LOAN BALANCE TO LOAN AMOUNTS TOO HIGH.. I just bought a home... why in the HELL would I get a loan for more than the cost of the home so my balance would be lower??).. but the fact they would lower my credit limit to compound the very reason they say they lowered my credit limit????? Let me be clearer they made my account have less of a difference between limit and balance and then use that as why they did that-- THAT SHOULD BE ILLEGAL. They are trying to force me to pay down my balance and lose the advantage of the balance transfer (THAT I PAID FOR). Otherwise why wouldn't they just suspend my spending WHICH I HAVE NONE--AND HAVEN'T IN YEARS.. TO MAKE IT EVEN MORE LUDICROUS they mention paying my bill on time to avoid a higher APR... I'VE NEVER BEEN LATE-- EVER--- I AM SIGNED UP FOR AUTO PAY... THEY ALREADY HAVE MY STANDARD RATE (NOT BT RATE) AT A RATE SO HIGH IT SHOULD BE ILLEGAL (OVER 20%) & THEY ARE GIVING ME TIPS?? HAHAHAHAHAHAHA. I emailed their "customer service" with basically this same complaint their response was something about if you don't pay bill in full interest occurs daily... THAT WAS NOT THE QUESTION AT ALL.. PLUS I HAVE ZERO%.. what a waste of time.

Desired Settlement: I want my credit line restored... If you are afraid I will use the card or take advantage of the new bt off (OVER 20%)-- DON'T WORRY I WON'T or you can suspend my charging.. I DON'T CARE I AM NOT CHARGING... It is horrific that you would impact my credit when I have been nothing but a GREAT CUSTOMER.. or I would like a credit for the fees you billed me for doing a balance transfer and I will make a significant payment to pay down the balance

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 24, 2014
 
 
 
***** ***** *** ********** ***** ******* *********** ** **********
    
 
RE:     Juniper MasterCard account ending in 3605
          
**** *** ****** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/8/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am filing a complaint as a result of very poor customer service. In September 2013 I contacted your credit card company to establish another payment plan contract which involved your company drafting $130 from my checking account each month in order to pay off the balance on my card. Your employee made a mistake and entered this payment draft twice, so in October $260 was drafted from my checking account. I called to request a refund and was told that it would take 7 to 10 business days. I was informed of the mistake and told it would be corrected. I did not receive the refund and in November when the payment was taken from my checking account a double payment was drafted again. This in turn created an overdraft on my checking account and I was then responsible for paying a $30 charge. I immediately called the company and spoke with a supervisor and he explained that the claim had not even been submitted for review as the previous employee had told me he was going to do. He assured me that he would submit for review and that my money would be refunded but it would take 7 to 10 business days. I did receive one of the $130 payments but never the overdraft fee and Nov. extra payment. I called again Dec 9th and was told that it was not submitted for review and also I asked the rep. to check to see if mistake had been corrected and it had not. It would have happened again in Dec. if I had not asked her to check. I have made 7 calls to the company and have been told each time that the request has not been submitted for review and each time have been told that it would take 7 to 10 business days to receive the money. To this date, I still have not received the refund of Nov's payment or the overdraft charge. I have talked to 6 different reps from your company, some of which who are supervisors and this has not been resolved. The $160 may not seem much to your company, but it has created a lot of problems for our family, many of which there is not space enough to write here.

Desired Settlement: I am asking that the company forgive my remaining balance of approximately $1200 on the card with no strings attached and no negative effects on my credit score. I have been a long time customer and have paid definitely more than $1200 in interest and credit card fees since 2002. I feel you should be held accountable for your repetitive and senseless mistakes that has caused my family financial stress, and numerous hours on the phone to your company.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 24, 2014
 
 
 
******* ***** **** ***** ****** ******** ** **********
    
 
RE:     Upromise MasterCard account ending in 3752
          
**** *** ****** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/8/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: A few months ago I applied for the US Airways Premier World Mastercard of the Barclaycard corporation. I chose the application for this card, aware that there was an $89 fee and was under the understanding that I would obtain 30,000 miles after paying my first statement. I went through the Instant Application process and I have excellent credit. I was advised that I was approved and was sent a regular US Airways Dividend Miles card with a $49 fee and only obtained 15,000 miles with this card upon my first payment. It is misleading and misrepresentation to give someone a lesser product without advising the consumer that they will be impacting their credit for a lesser product. They did not provide any kind of warning that I would be getting this poor card and lesser dividend mileage program. If I had known that I would receive this lesser product, I would have taken my business elsewhere. I spoke with several agents, most in the Phillippines who advised me that in order to get the program that I had originally I applied for that I would need to re-apply and that they would be happy to set me up with yet another credit card. I don't want another credit card, I want them to charge me the $89 fee and give me the card I originally applied for. Why on earth would I want two credit cards when they can fix a wrong that they should have done properly the first time?

Desired Settlement: I want the card I originally applied for with the miles and the program that I applied for.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 31, 2014

 

******* ***** *** * *** ****** ******* ** *****

Re:   U.S. Airways MasterCard Account ending in 1770

**** *** ******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on January 31, 2014, we sent you a detailed response of the investigation and any actions we may have taken.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/6/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This credit card company allowed an account to be processed with my name on it that I never opened, and then proceeded to give out an account to someone where my social security number and my birthday did not match. thy did not do the proper research on the application and gave a false account out and items were charged on it. Now I am worried that my credit will be affected.

Desired Settlement: That the person or persons in charge of processing credit applications for this matter is held responsible and accountable for his or her actions.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 17, 2014
 
 
 
****** ******** *** ******* **** ***** ******* ** *****
    
 
RE:     Barclaycard Financing Visa ending 8093
          
**** *** ********* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for the response to be received through the mail.
 
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. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

2/5/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: On December 24, 2013, I deposited a Barclaycard convenience check for $400 via mobile phone to my checking account at People's Bank in Fairfield Connecticut. On December 27, 2013, People's Bank notified me that the date had expired on the check I deposited and as a result Barclaycard has declined to honor the check. In the meantime, Barclaycard debited my credit card account for the $400 plus a $16 balance transfer fee. I called Barclaycard around January 6, 2014 after I noticed the error and that they had made no attempt to correct it on my account. I explained to the representative that the $416 debit to my account was an error since the check was not honored by them due to the expiration date. I waited on the phone for about an hour and a half for the representative to "look into the matter" only to let me know that I will have to wait 2 weeks for the matter to be resolved. When I checked my credit card account around January 10 I noticed that they credited my account for $420. However, at the same time they again debited my account for $421. I again called Barclaycard to try to straighten out the matter and after holding on the phone for about 2 hours, I was told that they will look into it. Today is January 21, 2014 and $400 is still showing as a debit on my account. They have since credited the $21. I never received the $400 my account is being charged for and my bank has no record of the check being honored or deposited to my account. It is very time consuming for me to keep calling the Barclaycard to correct their mistake and I am afraid if it is not corrected, I may forget to follow-up. Will you please help? Thank you.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

February 4, 2014

 

 

 

  ***** ************** *** ******* ****** *********** ** *****

 

    

 

RE:     Upromise MasterCard account ending in 1392

          

**** *** *************** 

 

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

 

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.

 

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 at **********************************

 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclays Bank Delaware Corporate Office & Headquarters intiated a unauthorized FRAUDULENT CREDIT PULL OF MY 3 CONSUMER CREDIT REPORTS WITH OUT MY LAWFUL / LEGAL PERMISSION. This was done with out a lawful / Legal permissible purpose defined by the Federal Trade Commission Consumer Protection Laws. The FCRA clearly states in [15 U.S.C. § 1681o] Civil liability for negligent noncompliance and in [15 U.S.C. § 1681n]Civil liability for willful noncompliance also in [15 U.S.C. § 1681b] Permissible purposes of consumer reports.

Desired Settlement: I am demanding a letter of apology on Corporate Letterhead and cash settlement for erroneuos fraudlent violation of LAW sent to me in the mail by overnight delivery. I also want Barclays Bank Delaware to contact Transunion, Equifax, Experian, Credit Reporting Agencies to delete this hard CREDIT PULL and INQUIRY OFF MY CREDIT REPORTS.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 24, 2014
 
 
 
***** ** **** **** *** ***** *********** ** *****
    
 
RE:     Barclaycard Application
          
**** ***** ***** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.
 
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. 
 
**********   ******* ******** ****** ** *** *********     ***         ****** ******** ****** ** ********

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

2/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 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 Better Business Bureau 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/31/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I applied for a frontier card which had a fee of $75, and the rebate was also $75. I thought that the rebate would cover the the $75 fee, which mean the total amount due would have been null zero, but they gave the refund two months later. Furthermore, I Never received a statement of the transaction neither by mail nor by email throughout the beginning of the transaction. So I had no information on the status of the transaction what so ever. Then they reported the credit bureau that I am late in payment. Therefor, they continuously charged me for a period 3 months without my notice and any update or reminder being sent to me either by mail or email, or even phone call. I have already made all the payments to them so I do not keep getting charged further. I am requesting I be return the illegitimate charges of total $128.5 This includes the initial $75 fee, which would have been $0 with the promised on time refund, and then late fees of total $53.5 which I was completely oblivious about due to no notice ever being sent to me.

Desired Settlement: A refund of $128.50

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 17, 2014
 
 
  ***** ******* *** *** ***** **** ******* ** **********
    
 
RE:     Frontier MasterCard account ending in 3215
          
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/31/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Account ****************When I flied US Airways early last year, a flight attendant handed me US Airways Premier World MasterCard flyer . In my mind, the flyer hand pretty good offer for me, for $89 I would have a great MasterCard that offers price protection, I would be able to accumulate 40K miles, and I would also have annual companion ticket good for up to 2 companion tickets at $99 each. None of each actually happened to be true. The MasterCard doesnt offer price protection, I never received companion ticket, and all my mileage was taken away without a warning.Sometime around May, 2013 I purchased 2 theater tickets through WorkingAdvantage.com website. The tickets were supposed to be orchestra or lower mezzanine tickets. When I received the tickets, I noticed right away that the tickets were for upper mezzanine and the face value of the ticket was twice less the amount I paid. When I called WorkingAdantage to complain they told me since their website said the tickets were not refundable, they would not accept the return. Soon after, I mailed the tickets back to WorkingAdvantage and I called Barclays MasterCard and asked them to open a dispute with the company on my behalf. On June 18, 2013, Barclays rep called me back and said there was nothing the MasterCard can do, and it was completely my fault that I overpaid for these tickets. At that point I realized that the company doesnt offer any price protection and I asked the rep to close my account. The Barclays rep transferred me to another person, and without any questions my account was closed within the next 5 minutes. Nobody told me that if I close my account I would lose both $89 and accumulated 30K+ mileage.Today, I was trying to book a fligh with US Airways again and I went to check my mileage. To my big surprise all my 30K+ miles, accumulated during 4 months with US Airways Premier World MasterCard, were gone, but my $89 were never returned to me. I called Barclays bank again. First person, who I spoke with *****, was completely incompetent. She tried to convince me that my mileage was removed because I had a contract with Barclays that said that I need to spend $750 per month in order to maintain a balance, which is not true at all. Her supervisor Simon tried to find a recording of me closing my MasterCard account when a disclosure, explaining all details, was supposed to be read to me. Since he couldnt find the recording he advised me to fax a letter to Customer Care Correspondence, and explain them what happened.

Desired Settlement: refund $89 and all accumulated through purchases miles

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 15, 2014
 
 
 
****** ****** *** ****** ***** ************* ** *****
    
 
RE:     US Airways MasterCard ending 7101
          
**** *** *******   
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received.
 
It is our goal to provide exceptional service and it is our hope we have met your expectations.
If you do not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/29/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This Company started calling me about three months ago about a Carnival Master Card. I spoke with them and told them that I did not have a credit card with them. They began asking me to verify personal information and I told them that if I did indead have a credit card with them they should already have that information. I assumed it was some sort of scam. They called the second time and I told them the same, I do not own a Carnival Master card and asked them to stop calling. I also at this point responded to Carnival with an email telling them that there was someone trying a scam on their behalf. I got no response from Carnival Cruise.A month or so later, the calls began again. My husband and I, when we answer, tell them I have no such card. On Christmas Eve, I answered the call again and explained this again to the person calling. They also asked me to verify information. They had an adress on me that was incorrect and said that was why I had not recieved a statement or a card. With this, I replied for them to send me statements on this bogas card if they had it and I would respond when I recieved it. The calls continued each day even though I had still not recieved the statement.( from Dec. 24th through Jan. 4th, 27 times listed on my caller ID). I answered the call on the 26th and asked them to stop calling, I would contact them when I got the statement. They have not stopped calling even though I responded that I have no idea what these charges are and that I have no Master Card with them. My plan, is to contact legal assistance and find out what is going on. I have no intentions of paying anything until I know what happened. It appears that this company, I am not sure at this point if it is Carnival Cruise Lines or this credit card company, may have issued me this card without my knowledge, transfered or charged me with what was on my sign and sail card during our cruise without my knowledge and has since charged me late fees, interest, and most likely turned it into the credit bureu.

Desired Settlement: I would like for this company to explain how I was issued a credit card without my knowledge. All my fees incured on our cruise were supposed to be charged on my card used when I signed up for the cruise, this was required and was supposed to be automatic. I still do not want a credit card with Carnival. I am checking with my card company noe to see if the charges were on it. At the very least, I want the calls to stop. If I find they did not charge my card as they should have I will contact.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 14, 2014
 
 
 
******* ****** *** ****** **** *********** ** *****
    
 
RE:     Carnival MasterCard ending ****
          
**** *** ******* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.
 
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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/29/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I am deaf customer. I have applied for a credit card with the bank, and after being denied online I called the banks credit dept to have me reconsidered for my credit card application, credit agent advised me that he will look into what he can do for me. Before putting me on hold I asked him if this will result in an additional credit inquiry/hard inquiry and the agents answer was "No", but rather he will review all current files and reports. After a brief hold agent comes back on the phone line and advises me that after his review of the reports he will be able to approve me for the application. A few days later I received a letter from Barclaycard bank stating that they have pulled my Experian and transunion credit report resulting in another hard inquiry TWICE on my credit report. To my disappointment after being told by the banks credit agent that he will not need to pull my credit report again, that they did actually go ahead and pull my report again. So I went ahead and called the bank again, the agent seemed very nice and helpful and after a brief hold he came back on the phone line and apologized for pulling the report and he told me that he will need to ask me some questions so he can fill a special form that he will submit to Experian and trasunion to have the inquiry removed from my report, and he told me it should reflect on my report within 30 days. A few weeks later I called Barclays to follow up and the agent advised me that they have just gotten a response from ******** that the inquiry will be removed. Another few day’s passes and I get a letter in the mail from Barclays that after a review on the story they have decided not to have the inquiry removed, case closed. So to my great disappointment I called the back again. This time I was transferred to the manager of the credit dept right away, and after I tell her the whole story (as written above) she told me that a investigation has been made and they have decided in the end not to remove the inquiry. Trying to get an explanation of what’s going on, the manager would not give me any details, rather was very rude to me and repeat herself that there is nothing she can do for me and the case is closed. She told me that I can mail the president of the bank if I want, and that came as a insult to me. So I understand that I have authorized the bank to pull my credit report when I applied online in the first place for the credit card, but not the second time when I was told out right that there will not be an additional credit pull. They told me that they will have it removed. They verified with me that the case has been accepted by ******** and it would be removed any day. And then this rude manager comes on the phone and would not listen to me rather push me away while not willing to give me a explanation. What I want is the Barclaycard bank to remove the hard inquiry that has resulted on my credit report on a credit pull that I have not authorized. Thank you This company have no friendly with deaf customers and have not accept my relay call through realy service.

Desired Settlement: I would like them to remove hard inquiry on my Experian and Transuinon and request a closed account immediately. Also I would like them to remove account on my credit report.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 14, 2014
 
 
 
***** ******** **** * ******* *** *********** ** *****
 
 
Re:   Barclaycard Financing Visa Account ending in ****
 
**** *** *********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.
 
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. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/29/2014 Billing/Collection Issues
1/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I recently applied for a Barclaycard Financing Visa Card so I could purchase a MacBook Pro from Apple. I was approved instantly and instead of purchasing the computer online before receiving the card I decided to wait and actually go into the apple store. Long story short I was treated very poorly and was given little information on the status of my purchase and my options. I was simply told that I had to go to a financial institution and request a cash advance in order to prove exactly who I was even though I had the proper documentation and state ID etc. I honestly felt discriminated against but the problem did not end there I followed there directions exactly and went to a financial institution not once but twice and requested a cash advance and was told that they could not contact the Barclay financing due to their policy and procedures. Meanwhile everyone I spoke to at Barclay financing was anything but helpful I Received wrong information and the worst customer service. I do not recommend Barclay financing Visa card.

Desired Settlement: At this particular moment I would like to speak with upper management to discuss resolution. As well as an explanation in terms of usual practices and policy and procedures.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 13, 2014
 
 
 
******* **** **** *** *** ******** ***** ****** ******** ** **********
    
 
RE:     Barclaycard Financing Visa account ending in ****
          
**** *** ***** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/28/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: BARCLAYS BANK DELAWARE reported questionable information to major credit bureaus and has failed to correct it. They reported account *************** with a balance of $462 to major credit bureaus as a charged-off balance. I have no recollection of this matter, and I’ve disputed the debt with the bureaus and asked them in writing to validate it. BARCLAYS BANK DELAWARE has never done so, and yet they are required to investigate my dispute under FCRA 623(a)(8)(E)(iii). Instead, they have simply verified the report with the credit bureaus and left me to prove that their report is in error. This isn't how the law says things are supposed to work, and I believe they know it. Leaving this erroneous information on my credit report while they’re supposed to be performing this investigation is improper, and I can prove this with examples from case law and with copies of my credit reports. I’m quite frankly confused why this account is being reported as a charge off at all. From my research, the Fair Credit Reporting Act does not demand that all accounts be reported, but only that any account that is reported be reported accurately. Also, the Fair Credit Billing Act requires companies to correct any mistakes. I believe that any company such as BARCLAYS BANK DELAWARE has the ability if not just simply the obligation to remove questionable “charged off” designations from credit reports. I am attempting to resolve the matter through this BBB complaint as a last ditch effort before I have to go through the expense and trouble of hiring an attorney, but I believe I can show a judge they have utterly failed to follow the obligations which the Fair Credit Reporting Act imposes upon them and that I should receive the remedies the law provides.

Desired Settlement: I'd like Barclay's Bank Delaware to remove its questionable information from the reports it has provided to major credit bureaus.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 13, 2014

**** ****** *** ******** ***** ** ******** ** *****

    

Re:   Barclaycard with iTunes Rewards Visa Account ending in ****

          

**** *** ******* 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on January 13, 2014, we sent you a detailed response of the investigation and any actions we may have taken.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/28/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: card service application Id ******** . i filled out an application for credit for L.L.Bean Credit card. i receive a letter of denial. it stated that my credit information was not used for the decision that they made. yet in their own words state that i had to many recent applications. i requested a L.L. bean credit card once before over 6 months ago. so, i am not sure what card services is referring to. otherwise my complaint is, they( card services) in fact did pull my credit info from the credit bureaus to see my information. it is the first thing they do. a copy of my credit report is the only way to confirm or deny if card services did in fact send a request for my credit information from any or all 3 credit reporting agencies. 2nd, i was not given the information to call write or contact the credit bureaus for a free credit report as required from the freedom of information act. 3rd. this appears to be a valid cast of discrimination. The Fair Credit Reporting Act (FCRA) allows you to get a free credit report if your application is denied. i was denied and not offered to get a free copy. whether or not my credit report was pulled/used to base their decision on. i was still denied for a credit card.

Desired Settlement: $500 for discrimination.$500 for denial of rights set forth by the The Fair Credit Reporting Act (FCRA)a free copy of my credit report.

Consumer Response:  L.L. bean /Card services :  have violated the  rights set forth by the The Fair Credit Reporting Act (FCRA)
extend all offers to anyone that has received  a denial letter within the last year for a free copy of their credit report . (at no additional cost.) ( send notice via U.S.post office to all )
i would like a free copy of my credit report.
lower their standing grade with the B.B.B. and put them on notice that this will not be tolerated in the future. 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 9, 2014
 
 
 
***** ******* ** ***** **** **************** ** *****
    
 
RE:     LL Bean Credit Card Application
          
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 on January 9, 2014, we 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 have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 
Sincerely,
 

 
******* ******** ****** ** *** *********     ***         ****** ******** ****** ** ********

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 31, 2014
 
 
 
***** ******* ** ***** **** **************** ** *****
 
 
RE:      Application for LL Bean Credit Card
 
**** *** ******** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
It was pleasure speaking to you regarding your inquiry on January 2, 2013. We regret any inconvenience you may have experienced while attempting to resolve this matter.
 
As you have indicated you did not receive our initial response, enclosed please find a copy of the letter we had previously sent.
 
If you have additional questions, I can be reached at ************* **** *****. My office hours are from 9:00 a.m. to 6:00 p.m., ET, Monday through Friday. 
 
********** ******* ******** ****** ** *** *********     ***      ****** ******** ******

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/27/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: While returning from a trip on AirTran airlines in July 2011, the flight attendant made an announcement that if any passenger would apply for a Credit Card, they could earn enough points for a free flight to anywhere AirTran flew. For that reason, I took an application and filled it out and returned it to the flight attendant. I was approved and received my AirTran Credit Card (issued by Barclays Bank Delaware). The points were never issued to me. I waited patiently for a few months and then called. I was told I had to make a purchase within the specified time to get the points. Because I had not made the purchase, I would not receive the points. Despite this I kept the card and did eventually use the card for purchases. When the bills arrived in the mail, I paid at least the entire balance. (To make it easy to balance my checkbook, I like to round the checks off to the next highest amount ie: instead of $16, I would write the check for $20). Because of this, I had a credit of $4.04 on my account. My Barclay statement (for billing period 12/16/12 to 1/15/13) came in and showed a $0 balance (with a "purchase" of $4.04 shown as a "CREDIT BALANCE REFUND" dated 1/15). Since I had not received a "CREDIT BALANCE REFUND", I called and was told "the check was mailed on 1/15/2013" but they couldn't give me a check number. On 2/5/2013, I had not received the check so I called again. I spoke to a Team Lead who gave the name ********. He opened Case ID# ********* and told me they would stop payment on the original check and send a replacement. About a week later, a check arrived in the mail. The check ******** was dated January 15, 2013 so I called again. I was told that was the check they had stopped payment on and to wait for the replacement check. No replacement check arrived, so I called again. I was told the original case was closed and they had to open a new case ********** to investigate. Multiple additional calls and I am promised a replacement check would be sent. Fast forward to October 16, and I was told everything involving my account was transfered to Chase and I would have to get my money from them. I called Chase and spoke to their "Barclay Specialist" who looked up my account. Barclay did not transfer the $4.04 to Chase so Chase told me I had to go back to Barclay. I called Barclay again, and the representative told me again "everything regarding your account was transfered to Chase". I again spoke to a "Supervisor" who looked into it and PROMISED I would receive a check by Thanksgiving. I told them I would wait until after Christmas. No check has arrived. Today I called again and was told again "everything has been transfered to Chase" after going through multiple "agents", I finally reached a "Supervisor" who said her name was ******. She confirmed the only check ever sent was the original check. She "promised" to investigate and it would take 7-10 days. I asked for a direct number and was told they had no direct number and there was no way I could be assured of speaking to her again.

Desired Settlement: I would like to receive the money Barclay owes me along with a heartfelt appology for all the headaches and run around I have received.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 24, 2014
 
 
 
******* ****** ***** ***** ***** ***** ** *****
    
 
RE:     AirTran Airways Visa ending ****
          
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received through the mail.
 
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. 
 

Consumer Response:

Better Business Bureau:

I have received a check from the business in reference to complaint ID ******** and find that the payment is satisfactory to me. I am sorry that it required contacting you to resolve this matter. I believe the business will take the steps needed to insure this does not happen again.

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

1/24/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: December 24, 2013To Whom It May Concern:ABSTRACT:$200 redeemed from RCI Elite Reward Master Card powered by Barclays Bank into the RCI Point account has been disappeared.DECRIPTION OF THE ISSUE:My name is ***** *********** ***** ****** *** ** **** ****** ********** are RCI Points platinum members ********* since 03/23/2009 (RCI North America Office **** ***** ******** ************ ** ***** * ********* ***************. We also have RCI Elite Reward Master Card from Barclays Bank Delaware formerly from Bank of America (Card Services P.O. Box 8802, Wilmington, DE 19899-8802. Telephone 1-866-383-1182 or 1-877-587-8742) that is connected to our RCI account. While using this card cardholders earning point which can be redeemed into money that go directly into RCI account to pay membership fees, exchange vacation, etc. We had used this option all the time, and had a satisfactory experience with both parties. But since December 15, 2013 I was totally humiliated and ignored with my request, and was stripped out of my money.All of our problems started on December 15, 2013. I was trying to log in into my RCI Elite Reward account (www.rcieliterewards.rci.com), but the appearance of the screen became different, and the system did not recognize my log in and password. I have called the customer service (866-383-1182), and was told that with the new system I have to create a new log in and password. (I did not have any warning letters or E-mails about the changes). I did so, and went to redeem 16,000 point for $200.00 to be applied to my CRI account. Before it was worth one click on computer, and the next minute the money would appear on RCI account. This time the RCI Elite Reward system did not recognized my RCI point membership number, and I was asked to provide it. After I provided my RCI membership number the system asked to put the letter in front of the number (something new): P or W without explanations of the their meaning. I assumed that P stands for point, and W stands for week. Since I am RCI point member, I put P. After this I received a message that it will take one business day to proceed with the redemption (versus one minute with the old system).On December 16, 2013 I have checked the RCI Elite Reward site, and found the tracking number F28548 with the information that redemption is completed. I logged into my RCI point account (www.rci.com) and found no money on my account. I contacted RCI points (877-968-7476), and was told that they never received $200 on my account, and that I have to contact RCI Elite Rewards.On December 17, 2013 I have called both RCI point and RCI Elite Rewards, but both parties were unable to solve my problem. RCI point was blaming RCI Elite Rewards for their mistake and visa- versa. On December 18 2013 I called RCI point requesting to speak to the supervisor, but was never connected to. I was ping-ponged for about an hour from one person to another (about 10 people from both RCI point and RCI Elite Rewards) telling my story over and over without letting me speak to supervisor and finally the call was dropped. After it I have sent an E-mail with formal complain to RCI point and received an automated acknowledgment (********************** with case ID *******.On December 19, 2013 I received a telephone call from RCI Elite Rewards, and someone told me that this is not their problem, but problem RCI point.As of now all my attempts to work with both RCI Point and RCI Elite Rewards were unsuccessful. I was totally humiliated and ignored with my request, and was stripped out of my money.Today, I am writing this letter, asking for help with finding my $200.00, and to complain about the humiliation.Sincerely, ***** ************** ***** ******** ****** ************* ***** ***** ******** ** ********** ******** ***** ***** ******** *********** ******************

Desired Settlement: I am writing this letter, asking for help with finding my $200.00, and to complain about the humiliation.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 16, 2014
 
 
 
***** ********** **** ***** **** ******** ** **********
    
 
RE:     RCI Elite Rewards MasterCard account ending in 2197
          
**** *** *********** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 
 
**********       ********** ******** ****** ** *** *********     ***      ****** ******** ****** ** ********

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/20/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclay debited my checking account twice for payment due. I called when I realized on my bank statement on-line, and called them. The representative told me it would take 7-10 business days to process this. I asked for a Supervisor, and they also said they could not process immediately. I told them that was odd, because they would take the money out immediately if I scheduled a payment with them on-line. They are using my money and earning interest on it, while they take their time to refund. The amount was $173, and may not be a lot to them, but to me it is. This is unacceptable business practice, they should immediately resolve the situation, there DOES NOT need to be an investigation !

Desired Settlement: I request an immediate credit back to my bank account. They told me while on the phone they could see where it came out twice.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 6, 2014
 
 
 
*** ****** ***** ****** **** **** ************* ** *****
    
 
RE:     Barclaycard Rewards MasterCard account ending in ****
          
**** *** ******* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/16/2014 Problems with Product/Service
1/14/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: BARCLAYS BANK DELAWARE put fraudulent information about me in my files with the three major credit bureaus. BARCLAYS BANK DELAWARE claims that I have been having a credit account with them, # ***************, which is false. In 2008 I opened a credit line with UPromise services, and initially the creditor for UPromise credit line was the BARCLAYS BANK DELAWARE, but soon after I appied the credit line services from UPromise were transferred to Bank of America, in my case - without any delinquency. And I had been having a credit line and a credit card from UPromise, issued by Bank of America for a few years. I have been nothing to do with BARCLAYS BANK DELAWARE from 2008 and up to now. But in December 2013 suddenly BARCLAYS BANK DELAWARE claimed that I have been having an adverse credit account with them and they put this false information to the three credit bureaus. BARCLAYS BANK DELAWARE applies predatory practices against its potential customers

Desired Settlement: Remove fraudulent information issued by BARCLAYS BANK DELAWARE. And stop bothering me, BARCLAYS BANK DELAWARE.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 2, 2014
 
 
 
******** ********* ** ******** ***** **** * *** ***** **  *****
 
 
RE:      Upromise MasterCard account ending 7165
 
**** ******** **********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on January 2, 2014, we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 
Sincerely,
 
 
 
  ********* *********** ****** ** *** *********     ***      ****** ******** ****** ** ********

Consumer Response:

Better Business Bureau:

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.

[1. I did not received any written response from Barclay's Delaware.
2. I enclose my bank statement from Bank of America  for April 2009 which shows that AT THAT TIME  I had an Upromise credit card  account with Bank of America, NOT Barclay's Delaware. That proves that Barclay's Delaware uses unfair and predatory practices with regard of their recent reporting on me to the major credit bureaus. ]

 

 

 

 

Business Response: ?P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 31, 2014
 
 
 
******** ********* **** *** ****** ******** ***** **  *****
 
 
RE:      Upromise MasterCard account ending 7165
 
**** ******** **********
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Under separate cover, we re-sent you the detailed response of the research and any actions we may have taken to the alternate address you have designed. Please allow 7-10 days to receive this in the mail.
 
We apologize for any inconvenience this matter may have caused. Should you have additional concerns, please contact me at ********************************* or by calling me directly at ************* **** ****** My office hours are normally 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/14/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: this company pulled my credit report 2 times on BRCLYSBANKDE 09/13/2013 BRCLYSBANKDE 09/12/2013 i gave no one the right to pull my credit report nor did i ever apply for credit from this company i have writen letter's to this company asking that they remove these hard inquires from my report,because i never autorized no one to try and pull credit from them,i received a letter back saying that they cant remove it,how can u not remove these 2 inquires on my report from a service i never requisted from?????please explaine

Desired Settlement: i demend that these inquires be removed from my credit report asap....you guys tell me what i need and i will sen you the info but i demend that these inquires be removed asap..

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 27, 2013

***** **** **** ******* ****** ******* ** *****

    

RE:     Credit Card Applications

          

**** *** ***** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 27, 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. 

 

 

Consumer Response:

Better Business Bureau:

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

 


they say they are removing it so am closing this thanks

 

 

Consumer Response:

Better Business Bureau:

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.

 
Complaint Detail
hello i just got another hit from you guys on my credit report whice i never did,i dont know whats going on you guys just removed some non authorized inquire couple of days ago now today i get a email from my credit report that i just got a hard inquire on my account,i did not apply for you guys i wish i could but i know i would be denied so someone did and i gave no one consent too do it,i would like this removed asap thank youam going to contact social security and see what they can do about it and am putting fraud alert on my credit reports again i know this might not be your fault but i would like this removed from my credit report asap as am trying to build credit and this keeps happing... 2/1/2014 BRCLYSBANKDE has requested a copy of your Credit Report Hide Details Business: Phone: Inquiry Date:BRCLYSBANKDE PO BOX 8803 WILMINGTON , DE 19899 8663705931 Reported By: TransUnion
Desired Settlement
remove from my credit report please i did not do this. i wish i could apply for you guys but i know i wont be approved so i would not do it....

 

 

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

February 13, 2014

 

***** **** **** ******* ****** ******* ** *****

    

RE:     Credit Card Applications

          

**** *** ***** 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

If you have not received the detailed response or have additional questions, please contact our office at E******************************** ** ** ******* ** ******** ** ************* **** *****. My office hours are normally 8:00 a.m. to 5:00 p.m. ET Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/13/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: During a cruise on Carnival Paradise from November 7-11, I attended a presentation at which the opportunity to obtain a Carnival Master Card was offered. The enticement to apply for this card was that after making the first purchase using this card, a bonus of 5000 points would be posted to my card and as an added inducement, a $50.00 credit would be applied to the bill after the first purchase on the card. I complied with the requirement to use the card promptly. When I received my bill there was no $50.00 credit applied. I called Carnival Credit Card Customer Service and received different explanations of how this credit can be applied and used, all of which served only to defer the application of any $50.00 credit to future uses of this card but limited only when used for travel purposes. This limitation was not explained clearly or implied - during the presentation on board the Carnival Paradise. I feel that I was misled by Carnival and have cancelled this card with prejudice.

Desired Settlement: I would like the $50 refunded.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 24, 2013

**** ***** ***** ****** ****** ****** ***** ** *****

Re:   Carnival MasterCard Account ending in ****

**** *** ******

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

We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a 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. 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/13/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay card has processed my payment of 531.99 but is refusing to release it as usable credit. I made my full payment and I need those funds for the holiday season. It's been processed and there's no reason to hold it and punish someone for a timely and full payment.

Desired Settlement: Release my credit and compensate me for the time I am about to lose via extra credit or gift card of some sort. And never needlessly hold my available credit after I make a timely and full payment ever again.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 23, 2013
 
 
 
****** ** ****** *** **** ******** ****** ********* * ****** ***** ** *****
 
 
RE:       Barclaycard Rewards MasterCard account ending ****
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/13/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I was looking for inexpensive airfares to visit my grandkids for Christmas. I saw an ad on U.S. Airways that said if I apply for their credit card the airfare would be $50 less. I applied for the card and was approved. Then I received a statement that said there was an $89 yearly membership fee. I called to complain and was told that the website mentioned the $89 fee. I checked and, in fine print, it said if you apply for a "premier" card there is an $89 fee. I thought I was applying for a regular card. I called and told them I wanted to cancel everything since, not only was I not saving $50, I was paying an additional $39! They told me they would cancel. I received another statement and I called Barclay. They said I had to cancel the airfare with U.S. Airways. I called U.S. Airways and was told there was a $200 cancellation fee! I called Barclay back and told them I would not pay because they had told me everything was cancelled. I filed a complaint with the Consumer Financial Protection Bureau. I keep getting statements but I refuse to pay. I'm retired and on a fixed income and I will not pay for airfare that I was told was cancelled. I have booked another flight.

Desired Settlement: Barclay should not bill me for the $184 that should have been cancelled by them.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 8, 2013
 
 
 
***** ******* **** ********* ****** ****** ***** *** ****** ** *****
 
 
RE:      US Airways MasterCard account number ending in ****
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that to be received.
 
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. 
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/11/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: this is now my third request, one with a CSR, one today with a supervisor, and this one: do not call on sundays, this is against FDCPA laws do not call *********** per my request do not call my previous residence of ********** in october i called and asked for a interest rate / minimum payment reduction, I was told NO. so do not call me when i can't make my payments.

Desired Settlement: I want a 3K reduction in my credit card balance, and all of the above to stop or I will be pursuing harassment charges in court and I will owe you nothing.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

January 24, 2014

******* ***** * ********** ****** ******** ** *****

Re:   U.S. Airways MasterCard Account ending in 1479

**** *** ******

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that response to be received through the mail.

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

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I went to there website to apply for an account. The offer that was made on there own website promised 0% interest on balance transfer and purchases for 6 months with no transaction fees. At no time during the application process was I told that the terms of the offer had changed. I was approved for the card. I received it in the mail. Called to make my balance transfer and was told the Apr would actually be 24.9 %. I asked why since I was approved for a card with 0% interest and no transaction fee. I was told they changed the card and mailed me a different product. They did offer to honor the balance t transfer but only if I agreed to pay a transaction fee. I then wrote an email to the company asking why this happened. A rep contacted me and told me this didn't happen and said the first two reps I spoke to made a mistake in telling me what actually happened. He then went on to tell me that the offer I was referring to didn't exist. I emailed him both a link and a screen shot from there own website that showed the offer did exist and it was still an active offer on there website. He then changed his story to now say that I must have clicked a different llink and he doesn't know why the offer wasn't added to my account. It was a classic bait and switch advertising.

Desired Settlement: I would like the account closed and all information on my credit file be removed. This is to include the inquiry and any reporting of opening or closing the account. I would simply ask to part company and move forward as if I NEVER got into any business dealings with this company.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
December 20, 2013
 
 
 
***** ******* **** *** ****** ***** * ********* **  *****
 
 
RE:      Barclaycard Rewards MasterCard account ending ****
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry. Under separate cover, we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/10/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: barclaycard is absolutely the worst credit company in history, they cant even fix a problem.. i got chared by apple on nov 19th an amount of 195.15$, that was never authorized by me.. and they cant seem to figure out where the charge came from.

Desired Settlement: I want them to cancel the charge and refund it.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
December 18, 2013
 
 
 
***** ******* *** ***** ***** ****** ******** **  *****
 
 
RE:       Barclaycard Financing Visa account ending 5119
 
**** *** ********                                                                                                           
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding recent transactions on your account and would like to take the opportunity to respond accordingly.
 
I attempted to reach you on December 11, 2013 to discuss your concerns. On December 16, 2013 I spoke with your son, who our records indicate is authorized to discuss your account on your behalf. Your son indicated that he submitted the correspondence to the Better Business Bureau of Delaware after having spoken to a representative in our Collections Department. Prior to speaking with your son, I was able to review the interaction in question and confirm he was provided incorrect information. To clarify, there is no additional transaction for $195.55 on your account. Please allow me to further explain.
 
On November 19, 2013 the original Deferred Financing Promotion expired. The amount of $195.55 was the remaining unpaid portion of this promotion. This can be confirmed by reviewing your up to date account information on our website, www.barclaycardus.com, where you can also view your November 2013 billing statement. We apologize for any inconvenience this may have caused you.
 
Should you have additional questions, please contact me directly at ************* **** ****** ** ****** ***** *** **** **** ** **** **** ** ****** ******* *******  

Consumer Response:

Better Business Bureau:

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.

I talked to atleast 3 representitaves, everyone was telling me false information about the transaction. not only that.. i had to talk to a manager to tell me about the interest fee, they tried to lie to me to make me think that i had purchased something when i didnt. Plus my account was locked multiple times, and i couldnt access it to make a payment, even after talking to them. I got charged an interest of 468$ because i couldnt see my account information or else i would have paid it off early and avoided the interest fee. in conclusion i didnt get any bills to my house, also i didnt get the chance to see my balance or i would have paid it off before the year ended. 
Regards,

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
May 15, 2014
 
 
 
***** ******* *** ***** ***** ****** ******** **  *****
 
 
RE:       Barclaycard Financing Visa account ending 5119
 
**** *** ********                                                           
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.
 
We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/9/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have made multiple attempts to correct a listing that appears on my consumer credit report with Barclays Bank. The first was a dispute through Experian, Transunion and Equifax on my credit report which came back as "verified". The second was a certified Letter dated June 1, 2013 stating a dispute under FCRA 623 (A)(8)(D) which was received in their offices on June 7, 2013. I heard nothing in regards to this letter. I again sent a letter certified on July 30, 2013 referencing the previous letter and again stating I was disputing the Debt under FCRA 623 and Texas Finance code 392.202a. They received that letter in their offices on Aug 6, 2013 at 7:35 am. I was very clear in this matter that the account was not mine and disputed several parts including the account itself, the limit they claim was on the account and that I had an account that was ever late. Again I heard nothing back from them. FCRA rules are very clear. They have 30 days to respond to my request or 5 days to reply that they believe my request for validation is Frivoulous. Neither of these occurred. I made contact with a representative named ****, (she refused to give me a last name or any other information to identify her). **** told me that she had no information on the account except it had been sold to a company called Midland Credit Management. I contacted MCM and they have no record of this account and have sent a letter out confirming such. **** was a supervisor and ensured me that she personally would take this matter to the office of the president and would get back to me the following Monday. I never heard back from **** or anyone else. I again contacted them via telephone and spoke to another supervisor. Her name was *****, (again she would provide no other information to identify her other than a first name. Today, 6 months after my first FCRA 623 dispute was received I received a letter from them. The letter says they investigated but provides no link to me nor any proof the account is mine.

Desired Settlement: I would like Barclays Bank to provide me with all details of the account they claim to be mine including the records they used to "investigate" the dispute. If they cannot they will need to remove the incorrect listing from my credit file with all three credit reporting agencies as required by law. If they refuse to do either then a lawsuit will be filed. A formal complaint has also been filed with The Texas Attorney Generals Consumer division.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 27, 2014
 
 
 
******* ******* *** ******* **** ***** *********** ** *****
 
 
RE:       Juniper MasterCard account ending 1999
 
**** *** ********
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that 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. 
 

Consumer Response:

Better Business Bureau:

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.

There is no way to resolve the matter within 10 days if the Barclays is expecting me to wait 7-10 days for their response they have sent separate to this.  They have admitted in writing to knowingly have violated both Federal and Texas state consumer protection laws.

I am in the process of retaining council to address this problem.  

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/7/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been an excellent customer and member of Barclays for over 2 years now. I have never missed a payment and always paid the minimum payment due or more. I even get an annual bonus each and every year and pay my balance down to zero every January. In November of 2013 after moving and having a baby I called Barclays Visa to make sure I had my renewal credit card in the mail due to my card would expire in December 2013 and was only good for 24 months. I was told by a representative "my account was canceled and they could not issue a renewal card." When I asked why, she said that it was due to too many inquiries on my credit and my credit score was bad, and I was denied a renewal due to this. I never received a phone call to the phone number I have on file, not a letter in the mail regarding the cancelation. Turns out they mailed it to a previous address on file even thought the bank had my correct mailing address on file. I was very upset and embarrassed to find this out. I planned on using this credit cards through the holidays to purchase my children's gifts as usual every year. I read through my credit card contract and nowhere in it does it state the bank can cancel the card, nor should pull my credit again (without my consent), after the 24 month month period to determine eligibility. I had a Bankruptcy discharged I have been an excellent model client and member or Barclays with no issues ever and get punished for keeping a great record and payment history with this credit card. I would like Barclays to reinstate my card and let me keep my existing account that was in excellent standing. I need them to correct there violation of contract with me ASAP. I also filed a State Banking Complaint with the State Banking Department in DE. Office of the State Bank Commissioner 555 E. Loockerman St., Suite 210 Dover, DE 19901 Phone: ***** ******** **** ***** ********

Desired Settlement: I would like Barclays to reinstate my card and let me keep my existing account that was in excellent standing. I need them to correct there violation of contract with me ASAP. I also filed a State Banking Complaint with the State Banking Department in DE. Office of the State Bank Commissioner 555 E. Loockerman St., Suite 210 Dover, DE 19901 Phone: ***** ******** **** ***** ********

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

 

 

 

December 17, 2013

 

 

 

 

**** ****** **** **** ***** **** **** ******** ** *****

 

 

 

RE:  Barclaycard Financing Visa account ending in ****

 

**** *** ******* 

 

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the closure of your account and would like to take this opportunity to respond accordingly.

 

As part of our normal account management process, we review accounts prior to card expiration to determine whether a card will be reissued. On October 15, 2013, a letter was sent to the address on file which matches the contact information you provided to the Better Business Bureau. That letter informed you of the account closure and the reasons. For your ease of reference, we have enclosed a copy of the letter. For the reasons provided in the letter, we are unable to accommodate your request to reinstate your Barclaycard Financing Visa account.

 

If you have any questions or concerns regarding this, please contact me directly at ************ **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

 

 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/5/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i have not get my card at all.when i have try to get them sent to a different address there was a problem and did not get them at all. due to a error on fed ex.now i have try to have them sent to the second account holder on the account and was told i could not have them sent to this address due to the reasons that the address was not good at all but could be still sent in but i have to go in to a bank and get them to vify who i am

Desired Settlement: i would like a phone call about this problem and want my cards u can call me at **********

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

 

 

 

December 31, 2013

 

 

 

******* ******* **** ******* *** * ********** ** *****

 

 

RE:       Barclaycard Rewards MasterCard account number ending in ****

 

**** *** ********

 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 and on December 31, 2013, we sent you a detailed response of the investigation and any actions we may have taken.

 

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

 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

1/4/2014 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Credit card company took it upon themselves to cancel our christmas orders for our kids without contacting us. Due to special black friday pricing and no communication, we are now out over 150$ and possibly gifts due to seell out. Not sure why they took it upon themselves to put card on hold and cancel our christmas orders without contacting us first. Efforts to contact juniper/barclays was compleely unsuccessful and very rude. Offended by the company for their irresponsible behavior and no offer to find a solution to this issue. No lack of accountability as well.

Desired Settlement: Would have spent $411.15. This was cancelled without our knowledge and lost. Our sons christmas was taken by them by cancelling our orders wirhout our knowledge. Now we will be lucky to get items and also now have to pay more.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
January 7, 2014
 
 
 
******* ******** ********* ** *****
 
Re:   Barclays Credit Card
 
**** *** *********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We appreciate the time you have taken to provide us with this valuable feedback.
 
We attempted to contact you several times. Unfortunately, we were unable to reach you to discuss your concerns. Additionally, we were unable to locate your account with the limited contact information provided in your correspondence.
 
In order to better meet your needs, your account number or other personal identify information is needed so we can locate the account in question. I would appreciate you contacting me by phone or mail at the following:
 
*********** **** *** **** *********** **  **********    ***** ********* **** *****
 
I am looking forward to working with you to resolve this matter. My office hours are 9:00 am to 6:00 pm, EST, Monday through Friday.
 
 

Consumer Response:

Better Business Bureau:

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.

**** * **********

 
  The issue below, we did play phone tag. My wife who did contact the office and spoke with the associate was supposed to relay to Brad Anderson and again did not happen. Her name is ***** ******** and phone number is ************* ***** ******* ***************************** . This is the account information is for and the problem with the card/company we had. Please contact my wife for the details of the above referenced complaint.
 
***** **** **** ********

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

April 30, 2014

******* ******** ********* ** *****    

Re:   Barclays Credit Card

          

**** *** *********  

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have mailed you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received.

We apologize for any inconvenience this matter may have caused. If you do not receive the detailed response or have additional questions, please contact our office at ********************************* ** ** ******* ** ******** ** ************* **** ****** My office hours are 8 a.m. to 5 p.m. ET Monday through Friday.

 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

1/3/2014 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I closed my US Airways Mastercard account a year ago. All of a sudden I received a bill for 17.95 for some Internet Birthday Greeting which I had signed up for the previous year and did not renew my account. US Airways went ahead and okayed the charge after my account had been cancelled for six months. I called US Airways Mastercard and they said they would investigate. I received a call from some man asking me questions about my account. I told him the above. I also told him they had no right renewing something I had not requested and was no longer a client of US Airways. They said they would take the overdue charges off. I then received another bill with more charges. I wrote a registered letter to the company, paying the 17.95 and telling them to desist. I've gotten two more bills and I'm now up to $111,90. I believe this is a scam and I don't know what else to do. I'm counting on you to relove this issue.

Desired Settlement: I would like them to stop billling me and wipe out the $111.90. I would also hope my credit was not compromised.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 7, 2014
 
 
 
***** ** ******** **** ***** ****** ***** ***** *********** ** *****
    
 
RE:     US Airways account ending in ****
          
**** *** ********* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation. Please allow 7-10 days for that response to be received at your address of record.
 
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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/30/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 15NOV2013: Called to activate Barclay’s Card for the 0% interest for 18 months for Apple items. The customer service rep transferred me to a fraud specialist. The fraud specialist asks me my DOB and other personal information then told me to go to any bank branch and ask for a $25 cash advance accompany with my ID. 16NOV2013: I when to Chase bank to for the cash advance verification as instructed. The chase bank teller told me I need to call them the transaction didn’t go through. So I call Barclaycard using my cell phone while I was at the bank. The Barclay fraud specialist told me to get the Chase teller to call with a verification code. The Chase bank teller said to wait for a personal banker. After waiting 2 hours for the Chase personal banker, he said this is not a Chase card we don’t call unless the card is issued by Chase. I called Barclay’s card again and told the fraud specialist what happened, she checked I didn’t when to Chase but the teller didn’t called them. So she said “we cannot proceed unless this process is complete, why don’t you try another bank” I told the Barclay’s rep, “They don’t care, they don’t want to call because the card is not from their bank and I am just going to return the item and cancel the card” DAY 4: After the run around I decided to return the Macbook Air I have brought with the Barclaycard and use my whichever Discover/Chase/Citibank/American Express/USAA cards (all of them at least 10k credit line with near zero balance and zero debt VS Barclay’s 4000 Credit line) 06DEC2013: Saved $300+ with one of my cards above. I called Barclaycard again to cancel my card, the customer services rep told me I already have return the Laptop and currently have ZERO Balance, but I still need the verify my ID at a bank branch, I ask to speak to a supervisor. The supervisor basically said the same thing. I told the supervisor I already tried Chase. She told me that “Chase and Wells Forgo normally don’t call, but other banks will call to verify” 07DEC2013: I when to Citibank the bank teller finally called a number, but it ask her for some code. After waiting for 30 minutes she said “I can’t found the code that they were asking for so I can’t help you” I when to another local bank named “Apple Savings Bank” they refused on the spot. Then I when to Bank of America, they said “I have to call Barclay’s card, we don’t call because it is not an Bank of America card” I am also thinking of a lawsuit to recuperate my losses from all the running around borderline intentional infliction of emotional distress and wasted phone credits on my cellphone bill.

Desired Settlement: Cancel the Barclay's credit card

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 24, 2013

******* *** **** *** ****** ********* **** ********* ** *****

RE: Barclaycard Financing Visa account ending ****

**** *** ****

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of the 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 24, 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. 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

12/29/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I KNOW I OWE BARCLAYS FOR MY JUNIPER CREDIT CARD. HOWEVER I CALLED THE 800 NUMBER ON NOV 29TH,2013 TO SET UP A PAYMENT ARRAIGNMENT AND I WAS SIMPLY TOLD I NEEDED TO PAY 129.67 BEFORE THEY COULD SET ANYTHING UP. THE GUY I SPOKE WITH UPSET ME VERY MUCH AND TOLD ME THERE WAS NOTHING HE COULD DO UNTIL I PAID THE 129.67.I EXPLAINED TO HIM I WAS UNABLE TO PAY ANYTHING RIGHT NOW BUT HOWEVER I WOULD TRY TO PAY THE BALANCE BY DEC 13 MY DUE DATE. HE REFUSED TO HELP ME AND WAS RUDE TO ME SO HOWEVER I TOLD HIM I WOULDNT PAY ANYTHING IF HE WAS GOING TO BE THIS WAY.LIKE I SAID I KNOW I OEW THE BILL WHICH IS NO PROBLEM I DO PAY MY BILLS AND I HAVE NOTICED THEY HAVE ALREADY BILLED ME FOR DECEMBER2013 ND ITS NOT EVEN DEC YET.I JUST WANT THIS COMPANY TO WORK WITH ME SO I CAN MAKE A SCHEDULE PAYMENT THAT I CAN AFFORD,AND NOT BE SO RUDE THIS IS NOT HOW YOU ARE SUPPOSED TO TREAT CUSTOMERS.

Desired Settlement: I JUST WANT TO SETTLE THIS ACCOUNT AND AS AFR AS I KNOW THEY SHOULDBT OR CANT REFUSE ANY PAYMENT AND THIS IS WHAT HAS HAPPENED.I WAS GOING TO TRY THE MIN DUE BY THE DUE DATE IN DECEMBER2103 AND ALL THAT IS DUE RIGHT NOW SHOULD HAVE BEEN 51.14 AND THEY COULD HAVE WORKED WITH ME. SOME OF THESE PEOPLE ARE VERY RUDE TO THEIR CUSTOMERS AND IF ITS GOING TO BE THIS WAY THEY NEED TO PAY MY ACCOUNT FOR ME AND I DO NOT WANT TO BE CONTACTED!!

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
December 17, 2013
 
 
 
********* ****** *** ***** **** ****** ********* **  *****
 
 
RE:      Juniper MasterCard account ending ****
 
**** *** *******                                                                                                         
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the current payment status of your account and would like to take the opportunity to respond accordingly.
 
Our records indicate you were offered a rate reduction program which does require a minimum payment $129.67 to enroll. Should you wish to accept the offer, we encourage you to contact our Collections Department at 866-408-4070 prior to making payment to confirm the availability as the terms may change. Unfortunately, we have no other payment programs available on your account at this time.
 
With respect to the service you indicated you received, we have reviewed the interactions and feel the representatives acted in a courteous and professional manner; however, we do apologize that we were unable to meet your servicing expectations.
 
Should you have additional questions, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On nov 6 i called barclays ( usairwaysmastercard) about yearly fee. I was told on the call that if i spent money in next 48 hr they would refund the fee back to my account. ID of person taking call was FPAMCA and then transferred to ID TS2PRB . I called back in regards to the refund on nov 25 and spoke with ** ****** and was told that they would not adhere to agreement. I then paid account off i full and told them I can not do business with companies not living up to contract. I just called agin to get all of the operator ID who suggest ed they would rend the service fee.

Desired Settlement: Refund yearly service fee and close account. your employee ****** was very clear on how you treat clients.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 6, 2014
 
 
 
***** ** ****** ***** **** **** **** *********** ** **********
    
 
RE:     US Airways MasterCard ending ****
          
**** *** ******* 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry and are pleased to have been able to assist you with the matter. Under separate cover, we sent you a response of the investigation and actions taken to bring closure to this situation.
 
It is our goal to provide exceptional service and it is our hope we have met your expectations.
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been offer credit cards from Delta, American, United, and the list goes on but I chose US Airways because I thought they had the best customer service. I thought wrong. There were fraud charges on my account and I'm shock how -4,000 charges appear on my account almost three months later. This is horrible, I can't even buy a plane ticket with US Airways. I have to buy a ticket from American Airlines, I might as well go get a credit card with American since I am treated with respect. I'm not paying charges that does not belong to me. US Airways owes me money too because I overpaid on my card, this is unfair to me a customer. US Airways needs to remove the following charges of -4,000 from my card today. Card ***** **** **** ****. Thank You!Remove fraud charges: 11/26/13CASH ADVANCE FEE20.1508********* **** ****** ******************************************** * *********************** ***** ******************** ******* ***** ********************* ****** ********************** ***** ****** ************************ *** *** **** **************************** ******* ** ************************ ******* ************************** **** **** ********************** ***** ********************** ******* ************************* ***** *************************** ** *** *********************** ******** ************************ ******************************* ******** ************************** ******************************* *** **************************************** *********************** ** *************************** ********* * ************************ ****** ************************************************* ** *********************** **** ****** ********************** ********************** ******* ***** ******************* * ********* ************************** ************************** **** *************************** ********************************** ****

Desired Settlement: I have been offer credit cards from Delta, American, United, and the list goes on but I chose US Airways because I thought they had the best customer service. I thought wrong. There were fraud charges on my account and I'm shock how -4,000 charges appear on my account almost three months later. This is horrible, I can't even buy a plane ticket with US Airways. I have to buy a ticket from American Airlines, I might as well go get a credit card with American since I am treated with respect. I'm not paying charges that does not belong to me. US Airways owes me money too because I overpaid on my card, this is unfair to me a customer. US Airways needs to remove the following charges of -4,000 from my card today. **** ***** **** **** ***** ***** ********** ***** ******** ************ ******* ******************* **** ****** ******************************************** * *********************** ***** ******************** ******* ***** ********************* ****** *****

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 27, 2014
 
 
 
***** ****** *** ******* **** **** *** ********* **  *****
 
 
RE:       US Airways MasterCard account ending 6426
 
**** *** *******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 that 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. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/26/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

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

Desired Settlement: I would like a letter stating that they will not be making a mark on my credit of a canceled card that I never excepted an offer for. Thank you for any help that you can offer me. signed *** *****

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 20, 2013

 
 
RE:      Barclaycard Arrival MasterCard account ending ****
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry. Under separate cover, we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/26/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay bank closed my two credit accounts (end with *********) with no reason and and refused to honor the rewards points. I opened the account **** later last year after I saw their opening bonus (something like 50K or 40k miles) after certain spending limit. After I met the spending limit, the bank closed my account. The account was closed when I was traveling in China. I called the customer care from China when I found the card cannot be used. I was told the accounts had been closed. Also I cannot access the accounts online and see the transaction details. I have been a good customer and I believe I have never violated any terms/conditions. It is very bad practice for them to treat a loyal customer like me. I have excellent credit score (750+ usually) and descent income/house. I dont understand why the bank did that to me.

Desired Settlement: Honor the reward mileage points, as I have reached their spending requirement for account ****, and restore the awards for the other account. Also reopen my accounts if possible.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
December 16, 2013
 
 
 
RE:       NFL Extra Points Visa account ending **** and
            Virgin America Visa account ending ****
 
**** *** *****                                                                                                
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the closure of the above referenced accounts and would like to take the opportunity to respond accordingly.
 
I appreciate you taking my call on December 6, 2013. The following information reiterates the conversation that we had.
 
Upon review of your accounts, they were both closed on December 24, 2012. Letters for both accounts were mailed to you, which provided the reason for the account closures. We understand you feel this was not the best experience for you and regret to have inconvenienced you in any way.
 
Unfortunately, due to the length of time that has passed, we are unable to honor your request to reopen the accounts. In addition, we are not in a position to honor your request for additional miles. Should you have additional questions, please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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.

The bank should honor the mileage bonus they have promised, or some equivalent compensation if mileage is not possible. It is very frustrating that the bank closed my account after I met $3000 spending requirement for qualifying for the bonus. 

Also I was told that my credit score may have improved a lot since the closure of the two accounts and this might be the reason I called after such a long time. This speculation is wrong. My credit score has been excellent all the time. I have never been late for payment and my score has been over 740 for a very long time. (My current score is 771). 
Regards,

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 22, 2013

 
 
RE:       NFL Extra Points Visa account ending **** and
            Virgin America Visa account ending ****
 
**** *** *****                                                            
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover on December 16, 2013, we sent you a detailed response of the research and any actions we may have taken.
 
We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   
 
Sincerely,
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/25/2013 Billing/Collection Issues | Complaint Details Unavailable
12/25/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently applied for a Barclay's credit card which offered 0% APR on balance transfer fees and purchases over an 18 month period. I applied for this card because I wanted to transfer a balance from a credit card I had which was 14.99% in order to reduce my debt. I received an email congratulating me and telling me that I was approved for the credit card. About a week late I received the credit card in the mail and to my dismay the account summary which accompanied the card stated my interest rate would be a whopping 22.99% rather than the original fee of 0% that I was originally quoted. I immediately called the credit card company and told them that this is not what I applied for and explained the situation to them. The woman on the other end told me she had no record of my original application and asked me to give her the site I went to to get the loan. Of course, I didn't remember the actual site and was unable to locate it afterwards. In the meantime, the woman told me that that since she was unable to verify my original application she could only offer me the card with the increased interest rate that I received and tried to lure me with a promise of 10,000 bonus points worth $100.00 if I charged more than $500.00 on the account within 30 days of opening it. I told her that I was not interested since I was not interested in transferring a balance from a credit card with a much lower rate to the higher rate they were offering me. I told her "never mind" and that I did not want the card and that I was not going to activate it as a result. In the meantime I got a statement (asking me to activate my card) with the balance transfer that I requested at a rate of 0%, with fees for the balance transfer totaling approximately $31.00 at the rate of 22.99%. I immediately called the credit card company and spoke to a man named Jason. He attempted to give me a run around about the APR and my credit worthiness, and upon debate, agreed to return my fees after I told him that I felt swindled and cheated, especially after I called the company to tell them I wasn't accepting this rate and would not be activating the card. I was very upset that this man tried to turn the tables around on me to make it look like I was responsible for what had happened and not the company. It wasn't until I told him that I would be reporting him to the BBB that he agreed to return my fees. Initially he wanted to transfer me to a manager to ex[plain the fees so I would better understand them but I declined. I needed no explanation. As far as I am concerned they were deceitful in their advertising and every other aspect of this incident. ***** transferred me to a manager by the name of Marie. She was un-empathetic, callous and condescending. I told them to close both my accounts. I do not want to do business with a company and employees with not moral character. If I was not eligible of the 0% APR I should have been notified of that, not have a credit card with a 22.99% interest rate forced down my throat, then have them try and bully me into the fees and rates after I specifically said I didn't want it when I called and cancelled the card, which they didn't do at that time.

Desired Settlement: I want my bogus fees refunded and accounts closed. Also, it would be nice if someone would police them on their false advertising practices. If I was not eligible oforthe 0% APR I should have been notified of that, not have a credit card with a 22.99% interest rate forced down my throat after I specifically called and cancelled it.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 16, 2013

******* ******** **** ****** ****** ************* ** *****

Re:   Extra Point Program MasterCard Account ending in ****

**** *** *********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We understand your concerns regarding the terms of your account and would like to take this opportunity to respond.

I apologize for any confusion regarding the terms on your account. The Terms and Conditions provided with your application explained that based upon credit worthiness, the annual percentage rate (APR) for Purchases and Balance Transfers would be 14.99% or 22.99% variable. I have confirmed that we were not offering a 0% introductory rate for balance transfers on Extra Point Program MasterCard accounts at the time you applied. As a result, the balance transfer you completed was subject to the standard rate for Balance Transfers which is 22.99% variable.

The balance transfer fee and interest charge that posted to your account on your November 2013 billing statement were waived as a courtesy and you will see that adjustment on your next billing statement. As discussed on November 27, 2013, we are unable to apply a 0% introductory rate to this balance transfer balance; however as a courtesy I have agreed to suppress any interest from billing to your account for the next two months in order to provide you with an opportunity to avoid additional interest charges if you choose to pay the balance transfer off by January 20, 2013.

If you have any further questions or wish to discuss this further, I can be reached at *************** **** ****** My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/23/2013 Problems with Product/Service | Complaint Details Unavailable
12/23/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Someone fraudulently applied for a Barclays Bank Delaware credit account on October 7, 2013 using my name and social security number. My credit monitoring service alerted me and I immediately called Barclays Bank Delaware to advise them that I did not apply for credit and to please decline the application. Barclays Bank Delaware declined the fraudulent application and advised me that they would immediately advise Transunion and Experian credit bureaus to remove the inquiries from my credit report. They also advised me that they would send me a letter that I can keep for my records as proof that they have cleared the inquiry and no account was opened. I filed a dispute with both credit companies and Experian was able to immediately remove the inquiry. Transunion requires that Barclays Bank Delaware advise them directly to remove the inquiry. Since October 7, 2013, I have called Barclays Bank Delaware repeatedly begging them to please advise Transunion to remove the fraudulent inquiry and the inquiry is still on my report. They claimed on various a occasions that they only see that I called "once" which is a blatant lie. I have provided them my fax number and mailing address on various occasions so that they can send me a letter that the inquiry was fraudulent so that I can send the letter directly to Transunion and they say the will mail it, and still nothing. I am tired of calling them with no results. This inquiry is negatively ipacting my credit especially since I am buying my first home and applying for a mortgage.

Desired Settlement: I would like Barclays Bank Delaware to send me a letter stating that the inquiry made on my credit report was fraudulent and that no account was opened in my name. I also would like Barclays to contact Transunion and remove the inquiry from my credit report

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 20, 2013

Re:   Credit Card Application

**** *** ********

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 20, 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. 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

12/21/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Let me begin by stating that I am a full time college student who purchased an apple computer and in the process I applied for the Barclaycard Financing Visa Card. I started to make my payments on time. Then I was late for one payment and the next day their collections department was calling EVERY HOUR ON THE HOUR. (if you do not believe me just google these numbers ************** ** ************ ** ************) This practice is extremely unethicalWhen I fell behind on my account I voluntarily told them that I had lost hours at work. In Which I was actually telling the truth about. Yet they kept calling me everyday on the hour. No one asked if I could provide proof of the change in my income. No one was willing to work with me. The company says that they are here for you in the emails they send but when I gave them information about my account no one gave me options. On November 12, 2013 they closed my account and on November 15 proceeded to call me and ask me for money. I told the representative that I had already mad a payment arrangement, not knowing that my account was closed I had my an online payment arrangment. She did not tell me that my account was closed, nor did she ask me what was going on that I had fell behind. I did not know that my account was closed until I received a letter in the mail the next week. Neither my account online or statement show that it is closed which is very misleading. This company was not helpful for me at all. I would have been more than willing to comply to a hardship, or loss of income program in which most companies have. Considering that the economy took a huge hit with the government being fur loaded, in which that affected me as well. Bottom line the com pay is very misleading. They do not offer their consumers any guidance.

Desired Settlement: I would like my account to be reinstated considering I made a $600.92 payment. I now can make my payments on time considering that I have another job and can provide proof. The company should ensure that all customer service representatives are trained efficiently. The company as a whole should be ready, willing, and able to help their consumers who have fallen behind. Actions speak louder than words. Ask consumers if there is anything that the company could do, and follow through with advertisements.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 9, 2013 
 
 
 
***** ***** **** * ****** ****** ************* ** *****
 
 
RE:       Barclaycard Financing Visa ending ****
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.
 
We have fully investigated your inquiry. Under separate cover, we sent you a detailed response of the investigation and any actions we may have taken.
 
If you have not received the detailed response or have additional questions, please contact our office. It is our pleasure to have been of service. 
 

 
 
 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/19/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I was charged fees due to this companies web site not working correctly. I setup my payments - as I do all my other payments for Credit Cards, as auto pay, but Barclaycard kept kicking me off. I noticed a payment was not made - and two day past the date - made that payment - I asked to have the 20$ removed, they refused. I believe this charge is in error! I set up auto pays for other balances on this same account, I have a history of paying via auto pay on all my other accounts and had no reason not to believe that this bill would be paid on time. It is only through my constant monitoring of this payment that caused the bill to be paid only two days late!!! In addition after the 20 $ was charged 11.89 three days after I paid the 20$ charge for interest. If I had a 20 $ charge due to late payment why would the 11.89 be charged at that same time. It is almost as if they added that to my account as a further sign they are CUSTOMER UNFRIENDLY!

Desired Settlement: I would consider this closed w/ a reimbursement check of 31.89 from Barclaycard.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 18, 2013

Re:   U.S. Airways MasterCard Account ending in ****

**** *** ********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau.  We understand your concerns regarding the reporting with the credit bureaus and would like to take this opportunity to respond.

It was a pleasure to speak with you on December 10, 2013. As we discussed, your account is not currently enrolled for repeat payments. You are able to enroll for repeat payments online at www.usairwaysmastercard.com. When your account is successfully enrolled, you will receive a confirmation notice and your statement will reflect your payment is scheduled.

In your correspondence, you also requested the interest charges and late fee removed from your account. As a courtesy to you, we removed the interest charges and fee and those credits will be reflected on your next billing statement.

I hope the above information clarifies any confusion there may have been. Please contact me directly if you have additional questions or concerns. I can be reached at 1************** **** ****** My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

12/17/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: There were fraud charges posted to my credit card acct ending in **** (new acct no) from 8/16 thru 8/26 totaling over $ 2,500(approx 17 charges over a 10 day period) I was not notified by Barclays until the last day 8/25 via home phone, no cell phone, that there was a problem and cancelled the card on 8/26 when I personally found the charges. They never cancelled denied the charges on the 26th amounted to over $1,300. I have spoken to the fraud department numerous times regarding the reversal of these charges to my account, each time encountering incompetence about the actual charges I reported and what was to be credited back. My last conversation I was told the charges would be reversed immediately and went over each one. On 11/11 (last Mon) 9 of the 17 charges were reversed. There has been no activity on this process since and still over $ 1,500 in charges outstanding in my acct. I know they have the corrected information now yet fail to continue to act. It has been 90 days this has been going on.

Desired Settlement: Correct my account

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 13, 2013

RE:       RCI MasterCard account ending ****

**** *** ******

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the fraudulent activity on your account and would like to take this opportunity to respond accordingly.

It was a pleasure to speak with you to discuss your concerns. I have fully investigated this matter and want to first confirm a credit of $2,507.96 for the fraudulent charges and $94.01for interest charges were posted to your account and will appear on your November and December billing statements.  

According to our records, you contacted us on August 26, 2013 to advise us of fraudulent activity on your account.  Although a new account number was issued, the charges in question were not properly classified to be included in the fraud investigation. We have since reviewed these charges and removed them from your account. 

We apologize for the experience you had while attempting to resolve this matter and have provided feedback to the representative to receive the appropriate coaching.

We hope this clarifies matters and addresses your concerns. If you have any additional questions regarding your account, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/13/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: My card was stolen on October 6th, 2013, and used twice before I was able to cancel it and mark the charges as fraud. Since then, I have yet to see the charges reversed, even though I have called once or twice a week since then to ensure that that happens. Each time that I call I am assured by a representative that the charges will be reversed in 3-10 days. Never happened. Each time that I call I am given the run around and the representatives never know who did what before them. These charges are still on my account and Barclays seems to be incapable of doing anything productive about it.

Desired Settlement: I would like the charges to be reversed as well as some reimbursement for the time spent on this issue. I would also appreciate an apology from a supervisor and likely a closing of my account.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 22, 2013
 
 
RE:       Barclaycard Arrival MasterCard account ending ****
           
**** *** ************
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding recent transactions on your account and would like to take this opportunity to respond accordingly.
 
I attempted to reach you to address the concerns outlined in your correspondence but you were not available. Since I was unable to discuss the matter with you directly, please allow me to share with you the actions taken to bring closure to this unfortunate experience.
 
Although your correspondence does not reference the specific transactions you were disputing, I would first like to confirm credits were issued to your account for $66.10 for a USA Gasoline purchase and $44.95 for a Jack in the Box purchase. Those credits will be reflected on your next billing statement.  
 
If you have additional transactions which were not authorized by you when your credit card was stolen on October 6, 2013, please contact me at the phone number listed below so that we can resolve this for you.
 
*** ************ we hope this information addresses your concerns. Should you have additional questions, please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/12/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I'm complaining about USAirways mastercard services (barclayedcard) where their account manager lied to me. I called three times to cancel my account due to annual fee of $89. I paid for the first year (July 2012) where they advertised on one of the flight I was. On July 29 2013 I called 2nd time and talked with ******* **** to cancel my account. I'm not sure these are two names or one person's name, however, I know I talked with two people one transferred me to account manager where I asked her to cancel my account. She said if I pay right now the charges I made she will close my account. I paid $74.**, but I told her that she has to take the $89.00 annual fee off of my account otherwise I would not pay.After I received e-mails from USAirways about my account with outstanding balance, tonight (November 11 2013) I called again to discuss the outstanding charges that I get e-mail about. I talked with Ann around 9 pm EST and she told me my account closed but I have to pay $223.21. This amount is accumulated because of the $89.00 Jesenia supposed to take off while I paid the charges. I told Jesenia and Ann that my voice regarded and will use this as my evidence. Even I told ******* to listen to my previous call I made to cancel my account. She couldn't do that for whatever reason.I would like BBB to talk with USAirways master card and take these unnecessary charges off of my account with balance of Zero.I will appreciate your help in this and other matters in the past that you resolved. I know I can count on this organization as you helped me with Bank of America, Wal-Mart and possibly with this.Sincerely yours********* ******

Desired Settlement: I like to see a balance of Zero to my account.Account # ********************

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 11, 2013
 
 
 
RE:       US Airways MasterCard Ending ****
 
**** *** ******* 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the annual fee assessed to your account and would like to take this opportunity to respond accordingly.
 
It was a pleasure speaking to you regarding your account. As per our conversation, the annual fee assessed to your account in 2013 as well as the associated interest charges and fees have been waived. As a result, there is no remaining balance owed on your closed account. The credits will appear on your December 2013 statement. Although the review of the calls mentioned in your letter did not support your claim of a prior agreement to waive the annual fee, the courtesy credit was issued as a gesture of good will.
 
Should you have any questions please contact me directly at ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.

Consumer Response:

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID *******, and find that this resolution is satisfactory to me. However, I disagree with their conclusion of review of the call.  If they say the truth, then I like to hear my conversation with the account manager I had on the 2nd call I made not the last one.

 

Finally I thank BBB from the bottom of my heart for their great service and helping consumers against the big corporations and their unjust behaviors.  You guys are great and I pray for your success against unjust behavior of big and small entities.

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

12/11/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I purchased an Apple computer online through Apple.com and at the same time signed up for a credit card through BarClayCard for 18mo same as cash. I have been making monthly payments and recently looked at my account since I do all of my banking on line and do not get paper statements had to go to the BarClayCard website to pull up a statement and saw they have been charging me interest on my purchase. When I called them they told me it was because I made my purchase more than 30 days after I recieved my card. (Not sure how this is possible as I applied for the card and made the purchase on the same day) I was then told the 18mo same as cash was not granted because my ship date was more than 30 days after I received the credit card, which I have no control over. BarClayCard told me I needed to call Apple to have them change the date on the order? I tried that but Apple support told me they could not do that and there was nothing they could do.

Desired Settlement: I want the interest taken off of my account and no further interest charged unless I do not pay the card off in 18months

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

November 26, 2013

Re:   Barclaycard Financing Visa Account ending in ****

**** *** ****** *******

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We understand your concerns regarding the terms of your account and would like to take this opportunity to respond.

In our conversation on November 12, 2013 you stated you had concerns about the interest charged on your February 8, 2013 purchase. The terms of your account state that the first Apple purchase made within 30 days of the account opening received a deferred interest purchase.

Since your account was opened on February 20, 2012 the 30 day time frame had passed for the purchase to be eligible for the deferred interest promotion. However, if you have documentation, such as your order confirmation, indicating your purchase was made within the 30 days the account was opened, I would be happy to reevaluate the matter.

In addition, I was able to confirm that no new application was submitted around the time of your Apple purchase and we are unable to extend the deferred interest promotion.

If you have any further questions or wish to discuss this further, I can be reached at *************** **** *****. My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/11/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclays has failed to comply with original creditor verification request showing obligation to pay valid debt and right to demand payment for correctly charged debt in violation of FCBA requirements. For three years, Barclays has reported negative trade line to credit reporting agencies (CRAs) pertaining to an alleged debt an interest associated with a $25.94 charge from Columbia House when the goods from Columbia House were returned and the charge should have been removed. Barclays illegal reporting to the CRAs constitute violations of FDCPA § 807. False or misleading representations [15 USC 1692e] and § 808. Unfair practices [15 USC 1692f]. Costs have incurred over attempts to correct negative credit and damages arising from costs due to higher mortgage interest rates, line of credit and credit limits continue to accrue due to the malfeasance of this creditor and their failure to correct.

Desired Settlement: Payment of damages, costs, attorney fees and removal of negative trade line along with an apology.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

December 12, 2013

****** *** ***** ******* ***** ***** ****** ****** ** *****

Re:   Juniper MasterCard Account ending in ****

**** *** ****

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the credit reporting and would like to take this opportunity to respond.

I was able to confirm that a charge posted your account for DBI* Columbia House for $25.94 on November 12, 2010 and to date no payment was received for the transaction. In our discussion on November 25, 2013 you stated that the charge was disputed and a credit was expected. I have confirmed that we have no record of you disputing this transaction with us. Because of the length of time that has lapsed since this transaction was billed, we do not have any dispute rights available to pursue. We do recommend you work with the merchant to pursue the matter further.

We have confirmed your account information is reporting accurately to all three consumer reporting agencies. We are unable to remove the history or account from your credit report. In acknowledgement of your dispute, we requested that the consumer reporting agencies include a notation that the information has been disputed by you.

 

Please contact me directly if you have additional questions or concerns. I can be reached at *************** **** *****. My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

Consumer Response: Better Business Bureau:



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.



Attached is copy of communications with ******* with Juniper / Barclays dated
December 31, 2010 and January 16, 2011 disputing charges from Columbia House
and documenting contact with Columbia House.  Additional conversations
took place with ***** *** ***** on January 16, 2011.  This is photographic
and email documentation with date and time stamp.  Also attached is email
responsive communications from Juniper dated February 7, 2011 referencing
"****************" that documents Juniper had a record of the dispute
contrary to their allegation of no record of reported dispute.  Additional documentation is available. 

Please note that Juniper's response, again, that the undersigned contact the merchant directly, is
non-responsive.  I declare under penalty of perjury that contact was made
with Columbia House, they confirmed receipt of the DVD and that a credit would
be issued to my Juniper Card.  This is not an issue involving Columbia
House who appears to have done what they were supposed to have done. 
Rather, this remains a clear issue with Juniper / Barclays.  The fact they
assert they find no record of dispute in the face of clear evidence by way of
their response to my dispute and assignment of a case number is demonstrates
their ongoing  misrepresentation of facts pertaining to this issue.



The undersigned reserves the right to filing further complaint and to take all
further action necessary to correct this continuing bad faith action taken by
Barclays.








Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

January 17, 2013

****** *** ***** ******* ***** ***** ****** ****** ** *****

Re:   Juniper MasterCard Account ending in ****

          

**** *** **** 

Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.

Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover and on January 13, 2014, we sent you a detailed response of the research and any actions we may have taken.

We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/5/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On 8/26/2013 my Barclays credit card number was illegally used to make a purchase at the MEIJER retailer in Greenwood, Indiana totaling $211.90 I disputed the transaction. Barclays bank asked the retailer for copy of sales draft. MEIJER presented such copy, with signature that nowhere near closely resembles mine, NOT to mention that was never physically in or anywhere close to INDIANA in August of 2013. Upon receiving a copy of sales draft, Barclays bank closed the dispute. My credit card NUMBER was stolen. It was used to make an illegal purchase. I have never had such a hard time with credit card customer service.

Desired Settlement: A full refund for fraudulent transaction in the amount of $211.90

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 4, 2013
 
 
 
RE:      Barclaycard Arrival MasterCard ending ****
 
**** *** ******* 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding your disputed purchase and would like to take this opportunity to respond accordingly.
 
Thank your for taking the time to speak with me about your concern on November 13, 2013. As per our conversation, a full credit for the unauthorized purchase from August 26, 2013 with merchant Meijer Inc. for $211.90 was issued on November 11, 2013. This credit appeared on your November statement. We apologized for any difficulty experienced during the disputes process.  
 
Should you have any questions please contact me directly at ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/4/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I have been a long time customer of L.L. Bean and quite some time ago their credit card accounts were switched over to be managed by Barclays. Since then, I have had nothing but issues and I say that as someone who has worked in credit cards myself for over 20 years. I'd like to point out that I check my credit report monthly, I have no delinquencies of any kind, a credit score that falls into the good/excellent range and was just pre-approved for a new mortage with no issues (even in today's tightening mortgage climate). My credit line on this account was once $26,000. During the recession of 2008 when the markets were in flux they lowered it to $19,000. That was not a huge problem as I had no plans to use the account, although the fact that I did have a balance of course does impact my credit score when looking at credit utilization rates. My bigger issue came recently after receiving several notices from the company that I needed to call and activate my new card. I had gotten several voice messages and hadn't taken action since I had no intention of using the card, however one of the latter ones requested confirmation that the card was received so I did go ahead and decide to activate. Upon calling in to do that, I was advised that the account had been closed. However, the representative was unable to explain to me why. She indicated she could see my recent payment, confirmed the account was in good standing, and saw no reason for the closure so after putting me on hold for several minutes simply said I would be getting a letter regarding the closure in the next 7-10 days. The concerns I have are these: 1 - Why would you contact me repeatedly to reactivate if you were in the process of closing the account anyway? 2 - Why close a perfectly good-performing account who pays every month and carries a balance (these should generally be the most profitable types of accounts)? 3 - How is this account reflecting to other companies who may look at my credit report?

Desired Settlement: I would like confirmation that my credit bureau report is not reflecting any negative information regarding this closure. Will it reflect "Closed-Consumer Request"?

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

November 26, 2013

Re:   L.L. Bean Visa Account ending in ****

**** *** **********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau.  We understand your concerns regarding the status of your account and would like to take this opportunity to respond.

The account was closed on September 18, 2013 and our decision to close the account was due to the information provided to us by an independent credit reporting agency. We have reported the account to the credit bureaus as “Closed by Credit Grantor.”

The decision was reviewed by our credit team on November 6, 2013.  We apologize for any inconvenience; however we are unable to re-open the account.  A letter was mailed on November 6, 2013 supporting our decision not to re-open the account.

I attempted to contact you by phone and was not successful. I hope I have been able to address all of your concerns.  Please contact me directly if you have additional questions. I can be reached at *************** **** ****** My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/3/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I made a purchase on the UPromise website with Blue Nile for $36,010 in January 2013. On the site, they advertised 5% cash back up to the first $7,500 for purchasing from their site plus an additional 5% for the entire purchase amount for using the UPromise World MasterCard. UPromise honored the first 5% for purchasing on their site, but I was not credited for the full 5% from Barclay for using the UPromise MasterCard. I am owed $1800.50 for this purchase, and they are refusing to honor their promise. Before purchasing the item, I read through the terms and conditions which explained, with examples, that I would be credited for the full purchase amount. I then called up three separate times to verify the rules with a Barclay representative. All three representatives confirmed that I would be awarded a 5% cash back on the full purchase amount for using the credit card. The names of the representatives I spoke with and dates are: -January 24, 2013. Representative, ******* confirmed I would be awarded the full 5% and verified this with a supervisor as well as the terms and conditions listed on the website -January 2, 2013: Representative, ****** ********* ** ******* confirmed that I would be awarded 5% bonus cash back for the full purchase amount. Also confirmed with a supervisor. -December 12, 2012: Representative, ****** ********* ** ******) confirmed I would be awarded the full 5% cash back with no limit on the rebate or purchase price. Confirmed this with a supervisor. These conversations were recorded, yet Barclay has refused to share the transcripts of the calls with me and will not credit me for the full purchase amount as promised. I am asking that they honor what they advertised and what three separate Barclay representatives confirmed with me over the phone.

Desired Settlement: I am owed a $1800.50 cash back rebate for the purchase. I want them to honor their promise and pay me the amount due.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 26, 2013
 
 
 
***** ******* **** *** ****** ***** **** ******** ** *****
 
 
RE:          Upromise MasterCard account ending ****
 
**** *** ******** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding your rewards earnings and would like to take this opportunity to respond accordingly.
 
Thank you for taking to time to speak with me on November 11, 2013. As per our conversation, we have investigated the rewards earnings associated with your January 25, 2013 purchase with Blue Nile LLC and determined that the amount of Cash Back Rewards entitled to you in accordance to the terms of your account has been provided.
 
Our records indicate that a total of $659.36 in Cash Back rewards was credited to your account, including $300.00 from Upromise and $359.36 from Barclays. The amount provided exceeds the amount due based on the terms of the rewards program. Your Cardmember Agreement states that the 5% Cash Back for Upromise online retailers is subject to the Upromise Online Terms & Conditions. The Upromise Online Terms & Conditions for Blue Nile LLC state that as of September 1, 2012, College Savings will be rewarded up to a spend of $7,500.00. Any spend over that amount will not receive College Savings. Based on the $7,500.00 spend  limit on the 5% Cash Back reward for Blue Nile LLC, the maximum credit card Cash Back reward for any single purchase is $375.
 
In addition to this response, Upromise has also provided you a response under separate cover which outlines any accommodation that may be given. Should you have any questions please contact me directly at ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

 
 
 

Consumer Response:

Better Business Bureau:

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.

********

Once again, you are misrepresenting the facts. The $359.36 is the 1% cash back on every purchase with the card. The $300 is the additional 4% bonus that was incorrectly limited to $7500. In fact, when I made the purchase, there was a 7% cash back offered from BlueNile so under your calculation I would be due an additional $225.

You continue to confuse the issue. The terms have not been provided, and they are unclear. Even you have made a mistake in writing this email. If someone from the “Office of the President” at Barclay does not understand the terms, how can you expect consumers to be clear?

I called three separate times to clarify the rules with a supervisor and was told on each occasion I would be credited 5% for the entire purchase, or $1796.80. If you are claiming your representatives did not say this, then kindly release the transcripts to the BBB and me.

Barclay Card has engaged in deceptive advertising, including misleading statements by you and others. Your representatives confirmed the cash back I would be receiving only to renege after I made the purchase and could no longer return the item. Not only are this poor business practices, but this is also illegal. Do the right thing and credit the account for the full amount promised.

 

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 14, 2013
 
 
 
***** ******* **** *** ****** ***** **** ******** ** *****     
 
RE:     Upromise MasterCard ending ****
          
**** *** ******** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover, we sent you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for the response to be received through the mail.
 
We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

12/3/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: The LL Bean credit card issued by Barclay's Bank Delaware currently offers a balance transfer at a "Special Low 3.99% promotional APR" as stated in the bank's literature. However, the Barclay's Bank telephone representative acknowledged that a 3.99 percent interest charge is applied each month to an outstanding balance, meaning that the annual percentage rate charged to a borrower is in excess of 40% percent, not the advertised 3.99 percent APR.

Desired Settlement: Offer the balance transfer at the 3.99% APR as advertised.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 11, 2013
 
 
 
RE:       L.L. Bean Visa account ending ****
 
**** *** ********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the promotional annual percentage rate (‘APR’) on your account and would like to take this opportunity to respond accordingly.
 
I appreciate you taking time to speak with me on November 6, 2013 and assisted me with resolving your concerns.
 
Should you have additional concerns, please feel free to contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

12/1/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 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. ******* * ******* * ****** ** *** * ****** * ******* – 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 ******** – 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 # ******* ** ***** * *****; Went through same REDO process as I’ve done so many times before… 4. ****** * Mgr Tech Dept. (didn’t speak with her) 5. Spoke with ***** * **** * ******* * seemed competent – said she would escalate to a higher level – not sure what this means. (Dept. Website Assistance) 10/30/13 – **** * ******** ****** * ****** – 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 ***** * ****** * in Website Assistance – doesn’t know why transferred – asked to speak w/ supervisor – 7:46 * ****** is a supervisor there – but not there at this time – will be in at 9 am – I told ***** ***** ****** *nd asked him to let the manager know of her unwillingness to help me – ***** told me ****** would call me back today. Who is in charge of the whole production team – ****** – woman – Transferred to Dispute Dept – after giving ***** *nfo on who and how much dispute was for – he wasted my time asking me this! Dispute Dept – *********** – 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. ***** ****** in Manila – took info on dispute – AWEA.org - $125.00. – Case # ********** Claim – said I can deduct amt from my balance and to give them 45 days for their investigation. I provided ***** with info regarding their misrepresentation of conference content and said I had already requested a refund three times!!! Gave ******* name and phone number for reference. 11/1/13 – ****** did not call back – **** ******* Manila, provided credit card # – provided her with reference number - transferred to tech support; “relationship manager” – extended hold 11: 31 – 11:41 pm. ****** ****** – Provided reference number; not sure what is the reference number; said I have “dispute” issue. I asked to speak with ****** – gave my password and date of birth; 11:45 – waiting till 11:49 - ****** 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 ****** 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 ******* 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 ****** 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 ****
 
**** *** ****** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. 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 ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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.

I have spoken to ******* on multiple occasions and he is not only condescending and rude but also not helpful. He fails to address the fact that I have experience the same log in problems over the last 8 months and these problems have nothing to do with me not knowing how to log in with the "correct" password.  I seriously doubt that he even referred my problem to the technical problem - as his typical response to me on the phone was to blame me - and NOT address any other efforts he made to solve this problem.  He response is no different that the useless excuses he made during our conversations. I expect he address EVERYTHING he has done with the technical department; I expect a report from the technical department that addresses the many past problems I have experienced NOT JUST THE MOST RECENT. I also expect that I receive monetary compensation for the hours and hours of frustration and lack of progress on this problem that I have had to endure - over and over and over again.  I cannot tell you how many times their staff have PROMISED to get back to me and DID NOT.  And thus, my problems endured and each time I CALLED BACK I had to start all over explaining my problem.  This company is filled with incompetent people - who seem to think they can just ignore my requests for help- it is time they fully addressed the technical problems that are inherent in their system. They also need to address the staff's lack of integrity and honesty about their ways of not dealing with problems.  FOR THIS I EXPECT A PERSONAL AND SINCERE APOLOGY FROM THE VICE PRESIDENT OF CUSTOMER SERVICE.

 

 

 

 

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 26, 2013

    

RE:     Frontier MasterCard account ending in ****

          

**** *** ****** 

Thank you for your additional inquiry forwarded to us from the Better Business Bureau of Delaware. To ensure efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.


Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry, and a detailed response was sent to you on December 20, 2013, under separate cover.


We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previously provided.   

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: CARNIVAL DID NOT APPROVE ME FOR A CREDIT CARD AND MY CREDIT IS NOT THAT BAD. I AM TRYING TO REBUILD MY CREDIT.

Desired Settlement: TO BE GRANTED A CREDIT CARD.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

November 19, 2013

Re:   Carnival MasterCard Application

**** *** ******

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding your recent application and would like to take this opportunity to respond.

After reviewing your correspondence, I attempted to contact you a couple of times to discuss the concerns without success. Since I was not able to discuss the matter with you directly, please allow me to outline the results of my investigation.

Our records show you submitted an application with Barclaycard for a Carnival MasterCard credit card on October 23, 2013. We remain unable to approve your application for credit and a letter was mailed to you which explained the reasons for the decision.

If you believe that any of the information contained in your credit report is wrong, you have the right to dispute that inaccurate information through the credit reporting agency or directly with the institution that reported the information.

If you have any questions, please contact me directly by calling ************* **** *****. My office hours are 9:00 am to 6:00 pm, ET, Monday through Friday.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/28/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclay's Credit Card Services had sent me a letter asking that I either use my credit card or it will be discontinued due to years of non-use. As a result, I used my Barclay's credit card for a short time span (less than a month) incurring a balance of roughly $1,200 on a $1,500 limit. Shortly afterwards, Barclay's discontinued my account for my "balance being too high" on this account. I would have rather this account been cancelled for non-use rather than for these reasons. I don't understand how a company issues a statement encouraging the use of its product, then negatively impacts the user (cancelling my account) for listening to the company.

Desired Settlement: I would like my account to be reopened.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 17, 2013
 
 
 
****** ****** **** **** ****** ********* ** ******** ** *****  
 
RE:       Barclaycard with iTunes Rewards Visa account ending in ****
 
**** *** *******
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the recent closing of your account and would like to take this opportunity to respond accordingly.
 
As part of our normal account management process, we review accounts prior to card expiration to determine whether a card will be reissued. At the time of our review, your account had been inactive for a significant period of time and would not be reissued if you were still inactive at the expiration date. We provided you with an opportunity to activate your card so that you could possibly meet our reissue criteria at expiration. Unfortunately, at expiration your credit profile still did not meet our criteria. 
 
Enclosed is a copy of the letter we sent dated August 15, 2013 to notify you of this information and the corresponding reasons for the decision. We apologize for any inconvenience this may have caused you. Unfortunately, for the reasons provided in the letter, we are unable to reopen your account.
 
*** ******* we hope this clarifies matters regarding your account. Should you have additional questions, please contact me directly at ************ **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/28/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: barclaycard continues to sending advertising for credit cards after repeated attempts by mail to have them remove us from their mailing list.

Desired Settlement: REMOVE us from their mailing list and stop sending credit card offers

Business Response: P. O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 15, 2013
 
 
RE:      Marketing Solicitations
 
Dear *** *** *** ***********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the marketing solicitations and would like to take this opportunity to respond accordingly.
 
We apologize for any inconvenience you may have experienced while attempting to resolve this matter. We have updated our records to exclude you from receiving future offers from Barclaycard. Since some offers may already be in process, please allow up to sixty days for all mail solicitations to cease. 
 
We hope that this addresses your concerns. Should you have questions, please contact me directly at ************ **** ****** My office hours are 9:00 a.m. to 6:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/26/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclays canceled my account after 5 years not because of any delinquency or negative results from doing business with Barclays. It was because of two cards issued under my name from chase for my business which I had discrepancies about and were in the process of being taken care of. Manager at Barclays said it was due to my credit report change from when the card was opened but it was only severely damaged due to the problems I was having with chase which are resolved. I called to ask an informational question and they needed up suruptitiously running my social security number again and reviewing my account only to determine they were going to close it. I never missed or had a late payment with them ever in all the 5 years of being a customer. And due to one situation that arose I was penalized to the utmost. Horrible business practice and deceptive customer service. How can I be a risk when I've never had any issues with them and all of a sudden they close out my account after 5 years and hundreds of thousand of dollars spent with them. I will be contacting my state and then nationwide newspaper columns to better informs the public on sneaky bank processes. 5 years is a long time to just cut someone without even looking into what's causing the problem if there is one. But to be dropped with no hesitation and not even a credit decrease, to just close the account is horrible business practice. This was the Barclays black card issued by Visa. They're all crooks. They said accounts come under review but my never did until I called to question a payment hold on a payment that was just made. Maybe this month isn't as good as last month but to determine that over a phone call and then to just close my account with no further explanation. I won't stop until I feel like the shady business practices conductors by Barclays is voiced to the public. I have a lot of reach and will use every inch of it.

Desired Settlement: An apology and possibly a further review of my account to determine closing it was the best idea.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 7, 2013

 
 
RE:       Visa Black Card account ending ****
 
**** *** **********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the recent closure of your account and would like to take the opportunity to respond accordingly.
 
It was my pleasure to speak with you on October 30, 2013. During our conversation I explained the terms of your Cardmember Agreement state we reserve the right to close your account at any time without prior notification. The Agreement also states that you agree that we may request consumer credit reports from one or more credit reporting agencies in connection with the administration of your Account. Based on our review of your current credit file, your account was closed as explained in the letter sent on October 25, 2013.
 
We regret you feel the representative you spoke with in our Credit Department treated you in an unprofessional manner. We have reviewed all of these interactions and confirmed the representative remained professional and courteous during your conversation.
 
*** ********** we hope this information addresses your concerns. Should you have additional questions, please contact me directly at ************* **** *****. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/25/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I was approved for a Barclaycard Reward Mastercard with terms including 3% balance transfer fee and 0% intro APR for 15 months on balance transfers and purchases. Barclaycard subsequently changed the terms wihout notice or consent. I applied for a Barclaycard Rewards Mastercard in September 2013. You can find information on the card's advertised terms here: *****************************************************************************************************. I signed up for a card that included a promotional 0% APR for balance transfers and new purchases for 15 months, with a 3% balance transfer fee. I intended to hold a balance, make minimum payments for 15 months, and pay the card in full once the introductory APR term expired. Before receiving my card, a Barclaycard US CSR called me to confirm some biographical information. The CSR also confirmed that the card would have a 3% balance transfer fee and 0% intro APR on balances and purchases for 15 months. I received my card in the mail, along with various pieces of Barclaycard literature. Conspicuously missing from the literature was a credit card terms agreement. Sure enough, my October 5, 2013 statement reflected a 4% balance transfer fee and 19.99% APR on my balance transfer. I have a number of credit cards, and I have never had a card that had such a high APR! Puzzled at these mysterious fees, I contacted Barclaycard to resolve the matter. A CSR told me to make copies of my Barclaycard literature and send them to Barclaycard's PO Box in Delaware. I insisted that I never received credit card terms, but the CSR told me that sending copies of the literature would resolve the matter. Around 10/5/2013, I mailed the documents to Delaware. I did not receive a response. On 10/22/2013, I wrote to Barclaycard to request resolution on my matter. I received a response that someone had looked at my documents, but they could not resolve my issue because I did not send them a copy of a Credit Caard Terms. Barclaycard has given me the run around. A manager called me to try to convince me that I must accept the 4% balance transfer fee and 19.99% interest rate on the balance transfer. She said that the website terms I agreed to and terms confirmation with the CSR to establish that I have a credit card with a 3% balance transfer fee and a 0% intro APR for 15 months.

Desired Settlement: Specific performance--I am requesting that Barclaycard deliver on its contract under the terms. Namely, that my balance transfer be subject to a 3% fee and an intro APR of 0% for 15 months.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 7, 2013

 
 
RE:      Barclaycard Rewards MasterCard account ending ****
 
**** *** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 November 7, 2013, we sent you a detailed response of the investigation and actions taken to bring positive closure to this situation.
 
*** ****** we hope this information clarifies matters for you. If you have any questions or concerns please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/25/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I have sent mail to this company to explain my inability to pay my bill in full due to my health dealing with cancer, as a single woman who works for herself and am now trying to resolve the financial repercussions of the illness. My letters of offer were ignored and requests for cease and desist were undetected until today when I finally got the office of the president's assistant to read my letter and see my request. In the last year, I have sent them 3 letters, and they have not honored my case and desist. I have had numerous operators call me and make arrangements and when I call back to make the arrangements they no longer honor the arrangements. As reentry as September 18, they had offered me a settlement of $600 and I offered $459. The operator said that if I waited another 30 days that she would be in a position to come closer to what I could afford at $459. I followed up as she requested and now their settlement is $689. I am cooperating and able to pay the $459 and was open to considering the new reduced number below $600 and closer to my $459 however it's not even a discussion anymore and all oeprators including the office of the president are saying they can't make an offer other than the $689.

Desired Settlement: I'd like to get this account settled for an amount closer to the $459 as the operator on September 18 suggested. I want to additionally have delayed payment removed from my credit report as I have been in good faith trying to get this paid for the last 11 months.

Business Response:

P.O. Box 8885

Wilmington, DE 19899-8885

December 13, 2013 

RE:      Juniper Platinum MasterCard account ending in ****

**** *** ********  

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the settlement offer on your account and would like to respond accordingly.

I would first like to thank you for taking the time to speak with me regarding this matter. We are pleased we were able to offer you a settlement for which you accepted and successfully paid on November 25, 2013. You will receive a letter confirming your settlement under separate cover in approximately 30 days.

We hope this clarifies matters and resolves your concerns. If you have further questions, please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/24/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I closed this account and have been trying to pay it off, Barclay has put fees on this account, that do not make any sense. One late fee of 20.00 dollars one Month, the next Month 35.00 dollars. I called Barclay Bank and talked to the Billing dept and the Customer Service Dept. They were nasty rude, i asked them why are you charging me late fees of 20.00 on e month and 35.00 the next month. The interest charge is only 3.82 cents. I have paid them 40.00 during the Two statements and I get the next billing Statement and it is like i have not paid anything. They are trying to pull a fast one, I asked them why are you doing this his answer was because they can. This Company does not like the fact that I closed my account of my own free will. The amount of the account was supposed to be 214.92 I paid 40.00 now it is 213.61, that is insane. Some one needs to do something about this company.

Desired Settlement: Stop trying to get more money out of me, and except the fact that I do not want your credit card. Do the right thing my balance should be about 177.00 , with the interest maybe less.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 26, 2013
 
 
RE:       Barclaycard Rewards MasterCard ending ****
           
**** *** ******
 
We are in receipt of the correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the assessment of late fees and would like to take this opportunity to respond accordingly.
 
I appreciate your taking the time to speak with me on November 6, 2013 to discuss your concerns. We apologize for any difficulty you encountered during prior conversations with our representatives. As we discussed, your September 2013 billing statement was assessed a late fee because we did not receive a payment prior to your statements due date. Your October 2013 statement was assessed an additional late fee because the payment you sent did not satisfy the minimum amount due for that billing period.
 
I hope the above information, coupled with our conversation, clarifies matters for you. If you have any questions that we can assist you with, please contact me directly at ************* **** *****. My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/24/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I applied for one of their cards and was approved for $500.00 limit. I immediately called their customer service requesting to have it increased to $2500.00 or greater and they denied it. I then asked the customer service to close the account. I now am finding that this account is reporting the credit reports when the account was never opened. This is causing damage to my credit score of about 50 points

Desired Settlement: Either immediate removal of the account from all credit reports of open the account with a minimum credit limit of $5000.00

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 26, 2013
 
 
 
**** ********** **** ******** ***** *********** ** *****
 
 
RE:       Barclayscard Rewards MasterCard ending ****
 
**** *** *********** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding credit reporting and would like to take the opportunity to respond accordingly.
 
I appreciate you taking my call on October 30, 2013. As we discussed, Barclays is required to accurately report the facts, including the opening of new accounts, to the credit reporting agencies. We have reviewed your account and determined that the credit reporting history is accurate; therefore we are unable to honor your request to have the account removed from your credit report.  Additionally, we are unable to honor your request to reopen your account.
 
If you have any additional concerns that we can assist you with, please contact me directly at ************* **** ****** My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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.

 

Let me put it a different way...

 

Lets say you go car shopping and you fill out a credit application.

You want to be approved for $10,000 to by a car that you want.

You submitted your application for approval, and you were told you were approved for $500.00 instead

Of course, you do not accept it, does that show up on your credit report?

 

Beside that it is an auto loan, what is truly different?  So your tactics provide to be entrapment and force you into the account even though you do not accept the terms.

Does that sound fair and legal?  No it isn't.

 

I look forward to your response stating removal from the credit reports.

If not, I will forward this complaint to the FTC along with the consumer protection agency to make them aware of your tactics

 

 

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
January 13, 2014
 
 
**** ********** **** ******** ***** *********** ** *****
 
 
RE:       Barclaycard Rewards MasterCard ending ****
 
**** *** *********** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover, we sent you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for the additional response to be received.
 
We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/24/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I sent in two checks in the same envelope with the account information on or around the 8th of October. The checks were received by Barclaycard company and cleared my bank on the 15th of October. To date the amounts have not been credited to my account and Barclays states they are searching for it. They will not let me speak to a rep in the office that is supposed to be searching for and keep telling to wait. Meanwhile my account has gone past due! The check amounts are $2992.25 and $3593.55. Case numbers at Barclays are ********** *** ***********

Desired Settlement: Correct their error and find the money already given to them.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 22, 2013
 
 
 
 
RE:       Juniper MasterCard account ending ****
 
**** ***************
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the recent payments made on your accounts, and would like to take this opportunity to respond accordingly.
 
I attempted to contact you by telephone to address your concerns, but was unsuccessful. We recognize the time it has taken to resolve your issue and apologize for the inconvenience it has caused. Please allow me the opportunity to confirm the actions taken on your behalf to bring positive closure to this unfortunate situation.
 
Based on the additional information you provided, we were able to locate the payments and apply them to your account. The effective date has been backdated to the date we received the payments and all of the fees have been reversed. The payments, as well as the associated credits, will be reflected on your next billing statement.
 
It appears the checks you had sent us for payment didn’t have your full Barclaycard account number and the name on your account with us differed from what was listed on the check. As a result, we were unable to locate the intended account to apply the payment. In the future, we recommend including your statement coupon or other identifiable information with your payment so future delays may not reoccur.
 
We hope this clarifies matters and addresses your concerns. If you have any questions or concerns regarding your account, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/23/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 HELP

Desired 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 ****

          

**** *** ******** 

 

Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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. 

 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/22/2013 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: The amount charged on this account was for the purchase of 2 airline tickets from US Airways. There was no flight! No Service! You can check with US Airways and find out that there was No ticket! A computer error was at fault and US Airways does claim responsibility! (Even United Airlines was responsible of their computer errors when they had free tickets!) Several attempts at a resolution was attempted with US Airways and their customer service is severely bellow par. Then Barclay Bank which is the MasterCard policy holder for US Airways does not make serious attempts at a resolution. They simply read their customer complaint scripts from their computer screens. Their only resolve is to pay the amounts on the statements. They want me to pay for a service that I did not receive so they can go about their day and simply collect their own paychecks. If the service had taken place then there would be no question in payment, in fact payment would have taken place.

Desired Settlement: The desired outcome is to pay a total of $400.00 (including the 200 already paid) and all of the other fees and charges be absolved. I never want to anything to do with US Airways and Barclay bank in the future.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 13, 2013
 
 
RE:       US Airways MasterCard ending ****
 
**** *** ******** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the US Airways transactions and would like to respond accordingly.
 
We attempted to contact you on October 23, 2013 and October 30, 2013and regret we were unable to reach you directly to discuss this matter. We have thoroughly investigated your claim and have concluded we are unable to assist you further with your dispute. Since I was not able to speak with you directly, please allow me the opportunity to provide you the results of the investigation.
 
Your letter states that due to a computer error, US Airways did not provide the services purchased in April 2013. On September 20, 2013 you called and spoke to a disputes representative to discuss this issue. Prior to this interaction, we have no record of any previous contact from you related to this matter. When you did contact us, our representative conducted a conference call with US Airways in attempt to assist with resolving the matter for you. It was during this conversation that US Airways confirmed the purchase was completed as booked. In addition, you stated there was a display issue with the US Airways website showing incorrect flight dates. We then stated that we may be able to assist with a dispute if you could supply documentation confirming the website error. Since this was not provided, we were unable to initiate a dispute.
 
After receiving your correspondence from the Better Business Bureau, we contacted US Airways again on your behalf. Unfortunately, we were not successful in obtaining a different outcome. Because you are continuing to dispute this transaction that we previously investigated, we have reported to the consumer reporting agencies that you do not agree with the results of the completed investigation. Barclaycard reports account information to the following consumer reporting agencies:
 
TransUnion Consumer Solutions                          Equifax Credit Information Services, Inc
P.O. Box 2000                                                   PO Box 740256
Chester, PA 19022-2000                                     Atlanta, GA 30374
 
Experian                                                          
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
 
We encourage you to continue to pursue resolution by working directly with the merchant involved. We apologize for any inconvenience this matter may have cause and regret not being able to further assist you.
 
Should you have any questions please contact me directly at ************* **** *****. My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/22/2013 Problems with Product/Service | Complaint Details Unavailable
11/20/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: 4 accounts on my credit reports are not mine please remove at once

Desired Settlement: please remove the following accounts from my credit reports********************************************x

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
December 16, 2013
 
 
 
RE:       Barclaycard iTunes Rewards Visa ending in ****
            Barclaycard Financing Visa ending in ****
            Barclaycard Financing Visa ending in ****
            Visa Black Card ending in ****
 
**** *** **********
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the credit bureau reporting of your accounts and would like to take this opportunity to respond accordingly.
 
Our records show you are listed as the primary cardholder of the four accounts listed above. This letter confirms that a fraud investigation was completed and we have confirmed the accounts are accurate. Therefore, we are unable to honor your request to have the accounts removed from your credit report.  
 
In addition, we would like to verify your correct address because the correspondence received from the Better Business Bureau of Delaware has the physical address referenced and our records show a P.O. Box for your current Visa Black Card account. If our records are incorrect, please contact the number on the back of your credit card or contact our Customer Service department at ************ ** update this information. Representatives are available 24 hours a day, and 7 days a week to assist you.
 
*** ********** we hope this clarifies matters regarding your accounts. Should you have additional questions not answered above, please contact me directly at ************ **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/18/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: On October 16, 2013, I received a credit card offer from this company with the words "Accept Instantly" (in more than one place) along with a personal ID code. I went to the website to "instantly accept" the offer and there was an application to fill out and no mention of using the "personal ID code." I went ahead and filled out the application and a message appeared stating my application was under review. I called Barclay and questioned what was going on, but was not taken seriously. This offer is misleading and because of the misleading advertisement, my credit score will be lowered due the inquiry. I would have NEVER applied for this card had I known I was not approved. I have accepted other "pre-screened" offers with no trouble. I understand being denied credit. That is not my complaint. My complaint is being led to believe I have been approved with words "Accept Instantly", a PERSONAL ID CODE, then being denied, and as result, having my credit score lowered. I am sure the response will be that their credit card offer is "subject to credit approval". That is their right...just don't send consumers unsolicited mail luring them to "Accept Instantly" with a useless personal ID code that is never even used on the application!

Desired Settlement: A personal acknowledgement of having my credit score lowered due to misleading offer.

Consumer Response: I would like the "Accept Instantly" offer of a credit card honored. 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 15, 2013
 
 
 
RE:      Barclaycard Rewards MasterCard Marketing Offers  
 
**** ***** ********
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the marketing offer you received and would like to take the opportunity to respond accordingly.
 
We reviewed our records and confirmed we sent you a pre-selected offer. However, the initial application we received was not submitted through the website provided in the offer which required the use of the personal identification code. As a result, the application was not processed as a pre-selected application and was not approved. A letter explaining this decision was mailed to you.
 
A second application was submitted to us on October 26, 2013 through the pre-selected application process. The Terms and Conditions included with the offer explained that if you do not meet the criteria previously established for the offer, we may not be able to open an account for you. The application was evaluated by our automated system and was not approved. A letter was mailed to notify you of this decision. Subsequently, a credit analyst reevaluated and approved this application on November 6, 2013. Your Barclaycard Rewards MasterCard and fulfillment materials will be mailed to you shortly.
 
Should you have additional questions, please contact me directly at ************ **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/16/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: i opened an account with barclaycard through the apple website. i filled out the application and submitted it and the response was you will be contacted by mail if you are approved. i received a letter stating that i was approved with certain credit limit and that my cards an pin would be mailed separately. when i finally received them in the mail on august 8 i activated the by phone. 4 days later i made a purchase with the understanding that i would have an apr of 0% for 18 month. when i received my first statement everything was correct and i made my payment on time. when i received my second statement i had a finance charge of 22.99%. i called barclaycard and the operator told me that i had 30 days from the time the account was opened to make a purchase to get the 0% promotion. he went on to tell me that when the account was approved that's when the account became open although i did not have account number, pin, charge card or any other way to use this open account. only when i received my card in the mail and activated them should be when the account becomes open. i fell like the company purposely does not send any information about your account so that when you do make a purchase they can charge you a very high interest rate

Desired Settlement: i would like for the company to honnor the 18 month 0% interest offer that i thought i was getting.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 21, 2013
    
 
RE:     Barclaycard Financing Visa account ending in ****
          
**** *** *****  
 
We are in receipt of your correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding your Apple transactions and would like to take this opportunity to respond accordingly.
 
I appreciate you taking time to speak with me on October 24, 2013. As explained during our conversation, we have issued courtesy credits for the interest charged to your account and you will see the adjustment on your next billing statement. As an additional courtesy, we have applied the Deferred Financing promotion for 12 months to the Apple purchases that posted to your account on August 13, 2013 and August 15, 2013. Please refer to your monthly billing statement for detailed information regarding this promotion.
 
The Terms and Conditions provided at the time of application explained Apple purchases that post to your account within 30 days of account opening could receive the following:
 


Purchase Amount

Deferred Interest Promotional Period


$199 - $1,999

12 months


Over $1,999

18 months
 
Your total Apple purchase of $1,788.68 posted to your account more than 60 days after the account was opened; therefore, the deferred interest promotional terms were not initially applied to those transactions.
 
We hope this clarifies matters regarding your account and addresses your concerns. Should you have additional concerns, please contact me directly at ************ **** *****. My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/13/2013 Delivery Issues | Read Complaint Details
X

Additional Notes

Complaint: 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 (******* ******* 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 ****
 
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 ************ **** ***** between the hours of 8:00 a.m. and 5:00 p.m., ET, Monday through Friday.
 
*** *******, we hope this information clarifies matters for you. If you have any questions or concerns please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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.

 

Complaint Detail
I closed my account with Barclaycard and they have yet to return $61.50 of the amount due to me. I have called, faxed proof without success.
Desired Settlement
Refund of $61.50
Desired Settlement: Refund
 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 16, 2014
 
 
 
******** ******* **** ****** ***** ******** **  *****
 
 
RE:      Barclaycard Financing Visa account ending ****
 
**** *** ******** 
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover, we sent you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail.
 
We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/8/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This complaint is for the priceline as I have card from priceline and service I tried to use but didnt use was also from priceline. I didn't intend to book unless they accomodate more than 4 people, they just booked the hotel without any information and giving me any details, when I called in a second none of their representative understand the issue, they were so rude, couldnt (unwilling) transfer to their supervisor, seem like none of the person ( I spent almost 3 days )knew English well or tried to understand the probelm or issue ( wilingly). SO I tried to contact with chat as I thought they may understand written communication but it was even more frustrating. They charged my card that was already cancelled and unfortuantely card is also from same company. Now they keep on sending me bills (their credit card company) and giving me all mental torcher and stress, I would like to sue this company if my issue is not resolved amicably as: 1. I never intended to book the hotel through them and DIDN'T DO SO. 2. My credit card was already cancelled, you still allow them to charge on this. 3. I was actually sick that week so there was no way that I would have travelled. I was so stressed as none of their representative was understanding or unable to transfer that I had to visit doctor on that day only - I can provide a doctor certificate and medical record.

Desired Settlement: $299 that was charged by priceline without my authorization.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
October 31, 2013
 
 
****** *******  **** **** **** ***** **** **** ******** ** *****
 
 
RE:       Priceline Visa account ending ****
 
**** *** ********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the disputed charge and would like to take this opportunity to respond accordingly.
 
We appreciate the time you have taken to contact us. However, we remain unable to pursue credit on your behalf for the Priceline.com charge in the amount of $299.30, which posted to your account on July 11, 2013.
 
Because you are continuing to dispute this transaction that we previously investigated, we have reported to the consumer reporting agencies that you do not agree with the results of the completed investigation.  Barclaycard reports account information to the following consumer reporting agencies:
 
TransUnion Consumer Solutions                     Equifax Credit Information Services, Inc.
P.O. Box 2000                                                 PO Box 740256
Chester, PA 19022-2000                                 Atlanta, GA 30374
 
Experian                                                         
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
 
We encourage you to continue to pursue resolution by working directly with the merchant involved. We apologize for any inconvenience this matter may have cause and regret not being able to further assist you.
 
Should you have additional concerns, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 


BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/7/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I recently completed an educational loan with Sallie Mae by co-signing my son's loan. Sallie Mae advertises the use of the UPROMISE MasterCard by Barclay Bank as a way to assist with the cost of the loan. I applied and received a UPROMISE MasterCard in August of this year. One of my reasons for applying for the card was the fact that they offered 0% interest for one year on PURCHASES and BALANCE TRANSFERS. I was issued the card and became an active cardholder on 8/14/13. I went ahead and charged part of the college tuition to the card figuring I had a year of 0% interest to pay it off. To my dismay my 1st statement does not reflect the 0% interest and was charged interest on my 2nd statement. I have called the customer service number on the UPROMISE statement on 3 occasions without any satisfaction. Each time I have to wait 7-10 days to get a response and I have to call them instead of them contacting me. I have finally been told that there were conditions applied to the 0% purchase offer. I have not been told what conditions I did not meet. I was issued the card by mail but was not told I did not "meet" the conditions of the 0% purchase offer. The offer is still on the UPROMISE web site. I feel the offer is FRAUD.

Desired Settlement: Refund my interest charges and honor the 0% purchases for 1 year.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

November 4, 2013

RE:       Upromise MasterCard account ending ****

**** *** *********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the introductory annual percentage rate (‘APR’) on your account and would like to take the opportunity to respond accordingly.

It was my pleasure to speak with you on October 24, 2013. As we discussed, I researched this matter and identified that the introductory offer referenced in your correspondence was for a different application offer than that one that was submitted. The Terms and Conditions provided at the time of application as well as the Cardmember Agreement explained that your account had a 0% introductory offer on balance transfers for the first 15 months from account opening.

We apologize that the representatives you spoke with did not properly address your concerns when you previously contacted us. We have provided the representatives with feedback and coaching. As a courtesy, we have updated your account to also include a 0% introductory APR on purchases. The introductory rate will apply to purchases and balance transfers until November 4, 2014. After that the APR for all purchases and balance transfers will be 12.99% variable (prime rate plus 9.74%). In addition, we have credited your account for the interest charge of $27.74 which posted on your October 2013 billing statement. This credit will be included on your next statement.

*** ********* we regret any inconvenience you experienced while attempting to resolve this matter and hope this information addresses your concerns. Should you have additional questions, please contact me directly at ************* **** ****** My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 

 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

11/7/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclays can never help you when you need to change your billing date, each time I have called the customer service representative always claims that "Due to the stage of the billing cycle they cannot change your payment date at the time" then they charge you a late fee. Even if you make your payment two days after your due date (despite calling to ask for your date to be moved) Barclays immediately reports your account to your credit report even though they state your account has to be negative at least 30 days before they report. No one will help you before, they always charge you the late fee and immediately hurt your report even if you try to resolve the problem before. This is the second time this has occurred.

Desired Settlement: They need to become more flexible with payment dates, especially when other credit card companies are or they are going to lose clients. If a customer calls more than two weeks in advance asking the payment date to be moved out only by a couple of days it shouldn't matter where the customers billing cycle is at. And they shouldn't report your account over the balance unless it is over the balance by more than 2 days. Ridiculous.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 15, 2013

 
 
RE:      Priceline Visa account ending in ****
 
**** ****** *********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the billing cycle date on your account and would like to take this opportunity to respond accordingly.
 
Our records show that you contacted us in April 2013 in reference to your cycle date. At that time we advised we could make a change to your due date for future statements but we were unable to change your current due date of the statement we had already sent. At that time, you declined to change your future payment due dates. Our records further indicate that on October 2, 2013 you requested and we processed your request to change the payment due date from the 21st to the 18th of each month. It is our hope this new date is more convenient for you.
 
Prior to making the change to your due date, your payment of $89.26 was due on September 13, 2013 date but not received until September 19, 2013. Although your account became past due, we have confirmed that your account was not reported as such to the consumer reporting agencies.
 
I hope this additional information addresses your concerns. Should you have additional concerns, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/5/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We were given three options to get our payments caught up with barclaycard and choose to close out the card and agreed to pay $32.00 a month for four months to bring the account current and go back to regular scheduled payments. barclaycard broke this agreement by taking an additional $461.42 out on 10/03/13 while at the same time taking the agreed amount out on 09/19/13 for $32.00

Desired Settlement: I would like barclaycard to forgive the debt now that they can't be trusted to honor a contract that was signed.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 18, 2013
 
 
RE:       Barclaycard Financing Visa account ending in ****
 
**** ****** ******
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau 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 17, 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 ************ **** ***** between the hours of 8:00 a.m. and 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

11/4/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: I went on a cruise with Carnival Victory from September 21 - 26th. On the last day I went to collect my free gift and the person who was sitting at the desk asked me to fill out a form to receive correspondence and emails. During filling out the form there wass a section on there asking for my social security number. I was very uncomfortable to put that information on the form. I specifically asked him why he needs that information and he assured me that it is only for correspondence. On October 3rd I was looking through my mail and saw a letter from Credit card services in regards to a credit card application which I did. I called the number on the letter and was told that it was done through Carnival Victory. I had such a great time on the Cruise and to no that someone used my information to applied for a credit card which I have no idea about is very disturbing. This or these individuals needs to be dealt with. I need this to be taken off my credit report immediately as an inquiry, which I no will affect my credit score as well. These individuals needs to be stopped!

Desired Settlement: Yes. I need this to be resolved as soon as possible. I also need someone from the Carnival Victory Cruise to contact me as soon as possible to resolve this and I also need the person that submit that application ensured that it removed from my credit inquires and score.Thanks.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 25, 2013
 
 
RE: Carnival MasterCard with FunPoints Application
 
**** ******** ******
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the Carnival MasterCard with FunPoints application and would like to take this opportunity to respond.
 
Our records show that you completed an application for a Carnival World MasterCard with FunPoints account on the Carnival Victory Cruise on September 23, 2013. The gift that you referenced was associated with the application that you submitted. The Terms and Conditions provided with the application stated that you agree that Barclays has the right to obtain a current credit report in connection with our review of your application. To ensure the protection of sensitive personal data, the paper application was shredded after the application information was entered into our system for processing. Unfortunately, the application was unable to be approved.
 
We apologize for any inconvenience you experienced regarding this matter. Based on our review we are unable to accommodate your request to remove the inquiry from your credit report. 
 
If you have additional questions, please contact me directly. I can be reached by calling ************ **** ***** between the hours of 8:00 a.m. and 5:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/3/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Barclay Bank sold my debt to a collection agency, supposedly one month ago. For the past two to three months my family members, including a grown brother and sister in different states, have been receiving harassing phone calls. I called Barclay's in an attempt to resolve the issue and was told that "There was nothing they could do." I offered to pay the complete amount, in full to them but they said it was out of their hands and the only thing they could do was give me a number of the "collection agency". It should also be noted that I did not receive any notification nor any statements for several months prior to them turning over my debt. The collection agency that they sent me to had me call another agency altogether, and then when I called them I had to go through 3 different people in order to come to a resolution. Barclay is handing over their customers to predatory collection agencies with no concern at all for the people who enter into contracts with them.

Desired Settlement: Since I was unable to deal with Barclay, and repay the amount in full as promised now that I am again employed, I think the least they can do is remove any negative information from my credit report. I find this whole situation to have been poorly handled and don't see why their inability to keep these matters in house should result in a pattern of harassment for my entire family.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
October 29, 2013
 
 
 
**** ****** **** ****** **** ****** ******* **  *****
 
 
RE:       US Airways MasterCard account ending ****
 
Dear *** ******* 
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We understand your concerns regarding the payment status of your account and would like the opportunity to respond accordingly.
 
We regret any inconvenience you may have experienced while attempting to resolve this matter. As a result of your past due status, your account was placed with Trackamerica on September 3, 2013 for collection efforts on our behalf. Your correspondence indicates several of your relatives were contacted; however, we nor the agency your account was being handled have no record of having done so. 
 
While you state you were not receiving your monthly billing statements, our records show they were mailed to the address listed in the heading of this letter and were not returned by the U.S. Postal Service.
 
With respect to your request to have the past due information removed from your credit file, Barclaycard is required to report accurate account history in accordance with the Fair Credit Reporting Act. As such, we are unable to honor this request.
 
*** ******* we hope this information addresses your concerns. Should you have any additional questions please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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.  To be clear there wasn't any offer other than "call my office".  I have left messages for the another representative and will be working through making good on my end ASAP.

In regards to the reply, it certainly indicates a lack of due diligence.  Trackamerica, whom Barclay's lists as the agency assigned my case, has nothing to do with it other than act as a call center to refer their clients to other agencies.  If *** *********** had attempted to contact Trackamerica by phone I suspect she would have been given the number to Northstar.  Northstar is the exact name given to me by my brother, sister, and parents.  Having no record of calling my family, in this case, hardly seems like an excuse.  If needed I can have them each sign an affidavit. 

The sender is the party responsible for mail delivery, we both know that.  Whatever you say you sent, I know that I did not receive my last 2-3 statements.  I was waiting for my new statement because I had spoken with a rep about a program to bring my account up to date, then never heard back.  I have a job that requires 100% travel so I have not had the chance to research this until recently. 

While you are required to report according to the "Fair Credit Reporting Act", we both know that when there are mitigating circumstances or if your company were to report in error there are ways to remedy this.  I have no doubt that if you wanted to do something, you could so instead of hiding behind the FCRA. 

I will be contacting you later this afternoon or tomorrow to see if a better solution can be found.  I am doing my part to make this right, including making a large payment.  I had scheduled a payment with Northstar but they never actually made the electronic withdrawal. Obviously, I am willing and able to pay this back and have been trying to do so.   I hope you find a way to meet me in the middle.


 

 

 

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 20, 2013
 
 
 
RE:       US Airways MasterCard account ending ****
 
Dear *** ******* 
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We apologize our previous response did not satisfactorily resolve your concerns.
 
It was a pleasure to speak with you on November 20, 2013 to address your concerns. As we discussed, we were able to confirm members of your family had previously been contacted by North Star in an attempt to locate you. Once your family member indicated the phone number was not valid, it was removed from their records.
 
*** ******* we hope this information addresses your concerns. Should you have any additional questions please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

11/2/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On September 4, 2013 I called Barclay's to alert them that a double payment had been inadvertently made to pay off my account electronically from Wells Fargo, my bank. Wells Fargo strongly suggested that I contact Barclay's to request the refund of the double payment because the process would be much quicker. they had the money in hand. Wells Fargo did not. I was first told by the representative that the problem would be taken care of in 3-5 business dyas by putting that money back in my bank account at Wells Fargo electronically. I kept waiting for the payment to show up in my account and when it didn't I called Barclay's back. They played back the tape and agreed that the representative had given me misinformation. A refund check would need to be sent. However, they only process refund checks on Tuesdays and then there is 5 business days processing time to mail the check, then 7-10 business days for the check to arrive. After 3 weeks I called to tell Barclay's I had still not received my check. It had been 7 business days so I waited the additional 3 business days. Still no check. When I spoke to several representatives and supervisors about this problem they said they were not responsible for the US postal service. they told me if I did not receive the check by last Thursday, September 26th, that I could call and they would stop pay the check. However, the check would have to be reissued in the same fashion it was originally with the same long wait times. I asked if they could expedite a check or send it in a manner that required a signature and they repeatedly told me they would not do anything except follow the same procedure and that they would only send checks through "regular mail." I explained to them I needed the money to pay my bills, and they didn't care. Too bad. I asked if the funds could be put back on my card and a cash advance issued at no charge. No they could not do that either. They did say they could put the credit back on my card for me to spend however. I do not want to spend the money, I just want to pay my bills It is 1022.00 and some change. I decided to wait extra time for the check to arrive to allow for postal service delays. As of today I still have not received my check. If I call Barclay's back I may not receive my check for another month and I cannot afford this delay. I need my money back. I will never deal with this bank again.

Desired Settlement: I would like Barclay's to re-issue the refund check and send it to me in an expedited manner. I do not accept being without my money for another month because of their refusal to process this check in a more timely fashion. I would like to have the check sent to me so that it can be tracked and not lost in the mail.

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 15, 2013
 
 
 
RE:       Barclaycard Financing Visa account ending ****
 
**** *** ****** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the issuance of a credit balance refund and would like to take this opportunity to respond accordingly.
 
I would first like to thank you for taking the time to speak with me regarding this matter. On October 21, 2013 we confirmed that you received your credit balance refund check on October 19, 2013. We apologize for any inconvenience you experienced in having the credit balance refunded to you, and that your concerns were not successfully resolved during your initial discussions with our Customer Service Department. Please be assured that appropriate feedback has been provided.
 
We hope this clarifies matters and resolves your concerns. If you have further questions, please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

 

Consumer Response:

Better Business Bureau:

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

 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/31/2013 Billing/Collection Issues | Complaint Details Unavailable
10/30/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: The CURRENT BALANCE on my UPromise Master Card is inaccurate by a total of $3,026.66. I called into the 800 number 4 times looking for help. the first 3 customer service reps were polite but were unable to show me WHY the current balance was so inflated. they simply read back to me what was already showing on the website (which I strongly suspect is wrong). I then downloaded data from the website and placed into an Excel Spreadsheet to show myself if it was right or wrong. The downloaded information confirmed the $3,000+ difference I had suspected. So I called back a fourth time and received a VERY sarcastic and rude response from "***** - User ID FSCNKAT". At this point I was done asked for manager. 30 minuted later, no managers available. I then was given a Case #1643395 and told someone would call me back on @Wednesday after 8 pm. This was among the most frustrating interactions I have ever had with any company. Barclays is too big to talk to when there is a problem, but they accept my payments twice a month on my credit card! All 4 of the Customer Service people I talked with immediately said that the website is a big problem and they are aware of issues and complaints from many customers. The most important thing is the ACCURACY of the information provided and based upon this experience I do not trust the Barclays system at all.

Desired Settlement: I am looking to review the data I downloaded with a capable DECISION MAKER from Barclays. I want to show what I downloaded from their site and explain why I feel an adjustment needs to be made to my bill. $3,000 is a bunch of money for the average consumer!! Also, I have an MBA from an Ivy League school and even I cannot figure out the CURRENT BALANCE. There should be a 3rd column added to the Transaction Summary on the website. As a purchase is made that 3rd column should show the CURRENT BALANCE after EACH transaction. This would make it CLEAR to their customers what their balance is and avoid a ton of confusion. This appears to boarder on deceptive practices. Purposefully causing confusion and overcharging is not acceptable.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 15, 2013
 
 
RE:      Upromise MasterCard account ending ****
 
**** *** ********* 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the accuracy of your account balance and would like to take this opportunity to respond accordingly.
 
It was a pleasure speaking to you regarding your account. Based on our conversation, your inquiry was sufficiently handled by one of our customer service representatives when you spoke with them on October 1, 2013. As a result of that interaction, I was pleased to learn that you agree the account balance is accurate. We apologize for any confusion resulting from your earlier conversations with our representatives.
 
Thank you for bringing this concern to our attention and allowing me to be of service. Should you have any questions please contact me directly at ************* **** *****. My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.
 

 
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/29/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I been having this credit card for the past 3 years approximately, on August 10 I set up a payment over the phone to be entered on the 1st of September 2013 from my checking account of my bank, on September 5th I call the card to make sure they received the payment and verify that they did received but also it said's that my account it is close, I call the card service and ask why, a supervisor explain to me that my card was close to expired and they review my information and because I was past due two months they decide to not re issue another card and close my account, I explain to the person that due to the fact that in the last few months I been traveling between Florida and NY for some legal issues I was some what a little bit behind and always communicate with them to let them know. The supervisor explain to me that they send me notification on the 15th of August that my account was past due and they was going to close my account, he told me that it would take about 7 to 10 days to take affect that decision which would be towards the end of August around the 29th. I dispute to the gentleman that I did not received such letter and that I been out of Florida for the last month and a half , my husband brought me all the mail received and I did not find anything in there at such letter as he say, I also argue to him that if he look at my payment history he can see that that I was on time always and pay more than minimal amount due until I had to travel between the two states due to the reason I explain before, I also told the person that if I set up a payment on the 10th why they close my account? why when I talk to the person regarding set up the payment she never mention anything to me in regards to the decision of closing my account? I'm sure that before they make a final decision they check my account and I'm sure that by them my payment for the 1st of September was already post in there, I also told the person that I'm interested on keep this card but he say that I would need to reapply Product_Or_Service: credit card Account_Number: **** **** **** ****

Desired Settlement: I would like to have my account re instated or a new card with a new account number reopened and granted the same amount of credit limit $1,000.00 so I can continue paying the amount own or balance own in the card they close, I'm not asking for an extra 1,000.00 but a new card and the balance transfer into the new account so that I pay off the balance own but keep the amount credit given in the card they close, I find it unfair that after arrangements and payment received they close my accoun

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 30, 2013
 

 
RE:          Priceline Visa account ending in ****
 
**** ***** ******** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the account closing and would like to respond accordingly.

Our records show that you contacted us by phone on August 10, 2013 and made a payment arrangement for $140.85 for September 1, 2013. As part of our normal account management process, we review accounts prior to card expiration to determine whether a card will be reissued.
 
We reviewed your account and credit history and determined that your account would be closed upon expiration of your credit card. Enclosed is a copy of the letter we sent to notify you. It was not our intention to inconvenience you and we apologize if you feel as though we have done so. We are unable to accommodate your request to reissue the card on your Priceline Visa account. 
 
We hope that this clarifies matters regarding your account. If you have any questions, please contact me at ************* **** ****** My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 
 
             
 

Consumer Response:

Better Business Bureau:

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.

I believe that no new information has been given to me nor a resolution has been brought to my satisfaction, I was paying my card on time and with no issues until I moved to another state and prevent me from making few payments on time I believe was 3 or 4 payments on a different date , payments the 99% of the time was more than the minimun amount due, I did not received such letter as it is state in the response, because of previous payment hystory and still paying the card right now even when it has been close and more than the amount due an exception and a second opportunity should be granted  by eiither opening the same account or grating a new account and transfer the balance due on the close account, I'll be more than happy to see that resolution. Thanks

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
November 26, 2013
 
 
 
RE:       Priceline Visa account ending in ****
 
**** ***** ******** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We regret our previous response did not satisfactorily resolve your concerns.
 
I appreciate you taking my call on November 21, 2013. As we discussed, we have confirmed that we are unable to accommodate your request to reissue the card on your Priceline Visa. The details outlining the determination for this were communicated to you on October 30, 2013.
 
If you have any questions, please contact me at ************* **** *****. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/27/2013 Guarantee/Warranty Issues | Read Complaint Details
X

Additional Notes

Complaint: Tried to utilize the price protection guarantee on my Barnes and Noble Credit Card. Was consistently told that I was not adhering to the timelines in the policy manual. Once I e-mailed a copy of the policy manual to customer service, they request more information (even though the information was clearly in the attachment along with the policy manual that was e-mailed to them). E-mailed the information requested and received no response. Emailed a second time and received a voicemail stating that they would not cover the issue.

Desired Settlement: They need to cut me a check for the $120 that I am entitled to in the price protection policy and at this point they should reimburse me for my time as well.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 29, 2013
 
 
RE:      Barnes & Noble MasterCard ending in ****
 
**** *** *********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the Price Protection benefit on your account and would like to take the opportunity to respond accordingly.
 
Thank you for discussing this matter with me on September 30, 2013. Our records show the transaction in question is eligible for the Price Protection benefit. A $120.00 credit has been applied to your account for your qualifying purchase.
 
If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/26/2013 Billing/Collection Issues | Complaint Details Unavailable
10/23/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: Hello, I opened an account in February of 2013 with Barclaycard Credit Card company. I made a purchase for about $1,100. Barclaycard did not receive my payments for 2 months for unknown reasons, and failed to contact me to tell me that my my payments were not processed. On July 15th, I was contacted by Barclays representative who informed me of the situation, and I offered to make a full remaining balance payment. The representative then stated that he will be able to remove the "late payment" charges. In August I applied for mortgage to purchase a house, and I was told that Barcleys reported me to the credit companies stating that my account has not been paid in two months which dramatically affected my credit score. I have never been late on my credit card payments, and this is the only discrepency on my credit history. After contacting Barclays I was told that they will be unable to remove it even as a one time courtesy. Because Barclay failed to contacted me in any way for the period of two months, and did not tell me my payments were not processed, they blemished my credit score. I filed two claims with TransUnion credit report company, and both have been denied by Barclay.

Desired Settlement: I would like Barclay to remove the late payment history from my account.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 8, 2013
 
 
Re:       Barclaycard Financing Visa Account ending in ****
 
**** *** *******
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau. We understand your concerns regarding the credit reporting of your Barclaycard Financing Visa account and would like to take this opportunity to respond accordingly.
 
Our records reflect that you made an Apple purchase in April 2013 for $1,061.44. Your April 2013 statement reflected a minimum payment due. Subsequently, we received a $450.00 payment to more than satisfy that amount. Unfortunately, we did not receive the minimum payment due as reflected on your May, June or July statement due dates. As a result, your account became past due and was reported accurately to the consumer reporting agencies. Since we are obligated to report accurate information, we are unable to honor your request to have the delinquent credit history cleared as a courtesy to you because of your disclosed oversight.
 
I hope this information clarifies matters further for you. Should you have additional concerns, please feel free to contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/22/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I opened a credit account in January through Blue Green resorts. I didn't receive any bills. My wife whom also setup credit discovered bills weren't being sent to our address. The bills were sent to an address other than my home address. I entered on my home address on credit application and it was my drivers license which I handed to the Blue Green associate handling setting up the credit account. I called BlueGreen to correct the address. They waived the late fee up to that point, but charged another fee because I sent a payment through the bank that evening instead of giving them a bank account number for them to withdraw the money. I have since made all my payments on time and paid off the credit, but they continue to try to charge me for a late fee. I had a conversation with someone from Barclays last month. They agreed to waive one late fee, but there was another late fee added after I was already paid off the debt. Again they asked for a bank account number.

Desired Settlement: I wish to have all late fees credited to my account so the balance is $0 and this debt marked Paid in Full to all credit reporting agencies.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
October 18, 2013

 
 
RE:       Bluegreen Encore Dividend Rewards MasterCard account ending ****
 
**** *** ******* 
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau. We understand your concerns regarding receiving statements on your account and the current reporting on your credit bureau and would like the opportunity to respond accordingly.
 
I attempted to reach you by phone to provide an update and was unsuccessful. Since I was able to speak with you directly, let me begin by confirming your account has a zero balance and late payments have not been reported to the consumer reporting agencies. Please allow me to provide additional information concerning the investigation that was conducted.
 
We have confirmed your initial billing statements were mailed to the wrong address as you have indicated. In April 2013, we spoke with you and corrected your mailing address. At that time, the already assessed late payments fees were credited to your account and the associated delinquencies were removed. In April 2013 our records indicate you updated your account to include your email address and enrolled in paperless statements at that time. In addition, as a courtesy, we’ve waived all late payments and finance charges, for a total of $92.00.  
 
If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/22/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: Applied for credit card through priceline website to receive $50 credit on bill when used to pay for this purchase. Was not approved until after i left website. Went back to priceline to purchase flight and had no account information. Called credit card company and was originally told would have to wait 7 days to receive card. Was able to have card sent overnight but will not receive until Tuesday. Explained this was not disclosed in the original offer. Was told to call Priceline for credit. Called Priceline and was told to call credit card company. Neither company is standing behind the offer that was presented. I am hoping that I am still able to receive the flight for the same amount on Tuesday. If not, then this has cost me more headache than it's worth.

Desired Settlement: Refund of difference in price between $180 and whatever it costs me to purchase the same flight on Tuesday. (ie. $180-$50=$130 cost to me today; $200-$50=$150 cost to me, an additional $20 would be credit to me account)

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
October 22, 2013
 
 
RE:      Priceline Visa account ending ****
 
**** *** **** 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau.  We understand your concerns regarding the $50.00 first use offer and your inability to use the account upon instant approval.  We would like to take this opportunity to respond accordingly.
 
It was a pleasure speaking with you regarding this matter.  Per our discussion, I reviewed your account and verified it is eligible for the $50.00 first use offer.  A qualifying purchase was completed on September 25, 2013, and the statement credit will appear on your next billing statement.
 
We apologize for the inconvenience you experienced and appreciate your feedback.  Your correspondence referenced a request for compensation for the difference in any price change in the airfare you intended on purchasing with your account.  We have not identified any errors with the instant credit approval process, through which a Priceline purchase can be made on a new Priceline Visa account.  As a result, we are unable to accommodate your request for compensation.
 
We hope this addresses your concerns.  Should you have any questions please contact me directly at ************* **** ******  My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/21/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This company for the last 6 months send me a credit card application at least 2 times a week & some weeks i get 3. I have sent there application back a minimum of 20 times & requisted to be taken off there mailin list. I also have returned many of these mailings thru the post office by way of return to sender. They are at the point of bagering me thru the us mail. This is just dumb on there part. If this don't stop them I will consider taking them to court.

Desired Settlement: TO "NOT RECEIVE ANY MAILING, EMAILS, PHONE CALLS FROM THEM OR ANY OF THERE ASSOCIATES, SUBSIDARY COMPANY & OF THE BARCLAYS GROUP.

Business Response: P. O. Box 8885
Wilmington, DE  19899-8885
 
 
 
September 27, 2013
 
 
 
***** ****** *** ***** ******** **** *********** ** *****
 
 
RE:       Marketing Solicitations
 
**** ***** *******
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the marketing solicitations and would like to take this opportunity to respond accordingly.
 
We apologize for any inconvenience you may have experienced while attempting to resolve this matter. We have updated our records to exclude you from receiving future offers from Barclaycard. Since some offers may already be in process, please allow up to sixty days for all mail solicitations to cease. 
 
If you have not done so already, you may contact the Direct Marketing Association (‘DMA’) who tracks consumers who prefer not to receive mail or telephone solicitations. The DMA can provide information about Opting-Out of lists produced by companies that subscribe to its Mail and Telephone Preference Services. You may contact the DMA at https://www.dmachoice.org.     
 
We hope that this addresses your concerns. Should you have questions, please contact me directly at ************ **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 
 

Consumer Response:

Better Business Bureau:

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.

 

 Nothing has been solved. Shortly after i registered the complaint i did nit get the credit card mailing for a short period of time. in the past 3 weeks i have got (6) mailings. calling them & writing them does absoulty no good. That is why i contacted you in the first place. please resolve this.

 

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
January 23, 2014
 
 
 
***** ****** *** ***** ******** **** *********** ** *****
 
 
RE:      Marketing Solicitations
 
**** ***** *******
 
Thank you for your additional inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was again forwarded to the Office of President to investigate and respond.
 
Providing an exceptional experience is our goal and we regret if our previous response did not meet your needs. We have conducted an investigation of your additional inquiry. Under separate cover, we sent you a detailed response of the research and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail.
 
We apologize for any inconvenience this matter may have caused. If you have not received the follow up response or have questions, please contact our office at the telephone number we previous provided.   
 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/20/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: On September 19, 2013 I have called several times to try and CLOSE my account, but keep getting transferred to someone "who can hopefully help me". Each time I have called, this has happened, and nobody can close my account. It is getting ready to renew and charge me another $90.00 for the annual fee. I have had a zero balance for months now and do not use, nor do I require this account.All I ask is that it be closed, but the people behind the customer service phone number cannot seem to do that for me. I do not have time to keep calling back at a later time...

Desired Settlement: Close my US Airways Dividend Miles MasterCard immediately.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 8, 2013
 
 
RE:      US Airways MasterCard ending ****
 
**** *** ********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding your attempt to close your account and would like to take the opportunity to respond accordingly.
 
Thank you for taking my call on September 27, 2013 to discuss your account. As discussed, your account was closed on September 21, 2013. A review of your account shows our representatives were experiencing technical difficulties on the day you initially called to cancel the account and were unable to process your request. Please accept my apologies that our representatives did not follow the proper temporary process we had in place to have your account closed. We regret this was your experience and apologize for any inconvenience it may have caused.
 
If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling ************* **** ****** My office hours are 9:00 a.m. to 6:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/19/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: i Receive at least one credit card application a week from them and i call to remove my name from their list and they wont do it unless i give them my social security number. I feel they do NOT need this to take my name off the list.

Desired Settlement: Remove my name from their contact list!

Business Response: P. O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 16, 2013
 
 
RE:         Marketing Solicitations
 
Dear *** ******
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware from the Better Business Bureau of Delaware. We understand your concerns regarding the marketing solicitations and would like to take this opportunity to respond accordingly.
 
We apologize for any inconvenience you may have experienced while attempting to resolve this matter.  Using the information provided on your correspondence submitted to the Better Business Bureau of Delaware, we have updated our records to ensure you are excluded from receiving future offers from Barclays Bank Delaware. Please allow sixty days for all mail solicitations to cease, some offers may already be in process. 
 
If you do not want to receive prescreened offers of credit and insurance from any company, you can call toll free 888-5-OPT-OUT (888-567-8688) or visit www.optoutprescreen.com. The phone number and website are operated by the major consumer reporting companies. In addition, the Direct Marketing Association (DMA) tracks consumers who prefer not to receive mail or telephone solicitations. The DMA can provide information about Opting-Out of lists produced by companies that subscribe to its Mail and Telephone Preference Services. You may contact the DMA at the following web address: https://www.dmachoice.org/.                                                        
 
It is our goal to provide exceptional service and regret if this was not your experience. Should you have additional concerns, please contact me directly at ************ **** ****** My office hours are 8:00 a.m. to 5:00 p.m. ET Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/13/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: It all started when I paid my bill twice in June. The rest of my tax return had come in and I chose to make July's payment before I had ever received a statement. From that time on I have not received any statements from them. They started calling my several times a day by the end of July. To the point I had comments coming in from employees at work. I had paid the bill though for July! Then, without a statement I made a payment, over the phone, in the morning, Sunday September 1st of $50.00. A few more dollars over the minimum due. After that payment was made they began to call up to 8 times a day! I paid them once again and they claim I did not! It's very upsetting, especially because I am trying so hard to rebuild my credit from once being married to someone who was terrible with money and having a child that has special needs.

Desired Settlement: To have this untrue delinquency taken off my credit, overdue and over limit fees (due to them claiming my not paying) taken off my account and for normal monthly payments to resume. They have been very snotty with me, harassing me and obviously they will not work with me. I feel like because of my past, they are treating me like a sub human.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
October 8, 2013

 
 
RE:       Barclaycard Rewards MasterCard account ending ****
  **** *** ***** 
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau. We understand your concerns regarding the payments made to your account, as well as the current credit bureau reporting of your account and would like the opportunity to respond accordingly.
 
We regret any inconvenience you may have experienced while attempting to resolve this matter. I attempted to reach you over the phone and unfortunately was unable to reach you. Since I was not able to discuss the matter with you personally, please allow me to explain the results of the investigation.
 
We confirmed your statements have been mailed each month and have no record of any correspondence being returned from the post office. If you’re experiencing mail delivery problems, you may want to explore the possibility of setting up online access to assist with managing your account at BarclaycardUS.com.   
 
As of the date of this letter, we have not received a payment on your account since June 27, 2013.
In order for us to research your payment claim, we need documentation including evidence our company processed your payment. If you have this information, please fax to my attention at ************. Upon receipt, we will immediately investigate and remove any fees, interest and delinquency that may have been reported as a result of this matter.
 
If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/12/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This company has helped someone basically steal 500 dollars form my credit card and will not credit me the amount because there wasn't sufficient enough evidence after I waited for 30 days to hear from them over this dispute. I have never disputed any amount on this card and have spent thousands plus interest on this card and they will not honor their policy in me not being responsible for unauthorized charges on my card. Due to me being legally disabled. I worked with them every time they called I called to dispute it as soon as I saw the charge on my card and they refuse to credit back the unauthorized amount. Due to me being legally disabled and on SSDI, this has created severe anxiety and is extremely upsetting, especially knowing I can't even trust my own credit card company to be there and do their job correctly. The greediness is overwhelming.

Desired Settlement: I would like to have my 500 dollars credited back, I deserve it as a loyal long time customer who has always made payments and purchases on this card.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 28, 2013

 
 
RE:       Upromise World MasterCard account ending in ****
 
**** ******** *******
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the disputed transaction on your account and would like to take this opportunity to respond accordingly.
 
According to our records you contacted us by telephone on August 14, 2013, to dispute the transaction from ****** ***** **** *** that posted to your account on August 3, 2013, in the amount of $500.00.
 
We have carefully reviewed the available documentation supplied by you and/or the merchant. Unfortunately, we remain unable to further assist you or pursue credit on your behalf for this particular transaction.
 
Because you are continuing to dispute this transaction that we previously investigated, we have reported to the consumer reporting agencies that you do not agree with the results of the completed investigation. Barclaycard reports account information to the following consumer reporting agencies:
 
TransUnion Consumer Solutions                        Equifax Credit Information Services, Inc
P.O. Box 2000                                                              PO Box 740256
Chester, PA 19022-2000                                                Atlanta, GA 30374
 
Experian          
701 Experian Parkway
P.O. Box 2002
Allen, TX 75013
 
We encourage you to continue to pursue resolution by working directly with the merchant involved. We apologize for any inconvenience this matter may have cause and regret not being able to further assist you.
 
 
Should you have additional concerns, please contact me directly at ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 
Sincerely,
 

Consumer Response:

Better Business Bureau:

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.

It doesn't matter what I do I have opened 3 complaints with them since I have contacted you and they have closed them all instead of responding to me.  My credit card company is ignoring me, they have stated twice they will have a manager contact me but have failed to do so.  They were off on their dates presented in their response, those are not accurate dates on when it was charged and when it was disputed, I had not even talked with the merchant on August 3rd.  They will keep ignoring and sending me the same automated messages and not do anything about it because they are greedy and have worse customer service than Wells Fargo.  This is the only dispute I have ever had and they have been of no help, did not do a full investigation or this wouldn't be happening.

 

 

 

 

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
December 18, 2013
 
 
RE:       Upromise World MasterCard account ending in ****
 
**** ******** *******
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We apologize our previous response did not satisfactorily resolve your concerns.
 
We remain unable to further assist you or pursue credit on your behalf for this particular transaction. Since we have exhausted every dispute option to assist you, we recommend you contact the merchant directly. We apologize for any inconvenience this matter may have caused.
 
Should you have any additional questions please contact me directly at ************* **** ****** My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 
Sincerely,
 


 

BBB's Final Determination: After reviewing the position of all parties, BBB determined that the business made a reasonable effort to address the complaint. However the consumer remains dissatisfied.

10/10/2013 Advertising/Sales Issues | Read Complaint Details
X

Additional Notes

Complaint: For the past several years, I have been "pre-selected" for a credit card. I get no less than 10 individual pieces of mail each week. Even after moving, they had my new address within 2 weeks, and I am once again getting at least 10 pieces of unsolicited mail from Barclays a week. This is bordering on stalking and harassing. I want my name removed from any and all mailing lists associated with Barclays bank.

Desired Settlement: I want my name removed from any and all mailing lists associated with Barclays bank

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

October 8, 2013

Re:   Marketing Solicitations

**** *** ********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We understand your concerns regarding the marketing solicitations and would like to take this opportunity to respond accordingly.

We apologize for any inconvenience you may have experienced while attempting to resolve this matter. We have updated our records to exclude you from receiving future offers from Barclaycard. Since some offers may already be in process, please allow up to sixty days for all mail solicitations from Barclaycard to cease. 

If you have not done so already, if you do not wish to receive prescreened offers of credit and insurance from any company, you can call toll-free 888-5-OPT-OUT (888-567-8688) or visit www.optoutprescreen.com. This telephone number and website are managed by the consumer reporting agencies.

In addition, The Direct Marketing Association (‘DMA’) also tracks consumers who prefer not to receive mail or telephone solicitations. The DMA can provide information about Opting-Out of lists produced by companies that subscribe to its Mail and Telephone Preference Services. You may contact the DMA at https://www.dmachoice.org.     

*** ******** we hope this addresses your concerns. If you have any questions I can be reached at *************** **** ****** My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

Consumer Response:

Better Business Bureau:

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

 

 


 

 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/10/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: When I signed up for the card I called customer service to verify terms and conditions which customer service verified 12 months no interest on purchases and balance transfers. I have now been charged 3 months of interest charges and just became aware of it today and when I called in today I asked to speak with a supervisor, ******, and she said she was only willing to take care of this months interest of $21, but not honor what was verified to my wife and me.

Desired Settlement: For them to honor what was verified in the beginning 12 months no interest on purchases and balance transfers and to refund the other 2 months of interest charges.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
September 27, 2013
 
 
RE:       Choice Privileges Visa account ending ****
 
**** *** ******* 
 
We are in receipt of correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau. We understand your concerns regarding the promotional annual percentage rate (‘APR’) applied to your account and would like the opportunity to respond accordingly.
 
I appreciate you taking the time to speak with me on September 13, 2013. After speaking with you, I was able to review the interaction you had with our Customer Service Department previously.  Unfortunately, our representative did not provide you with correct information. As a result of the confusion and as a courtesy to you, we have applied the promotional APR to your account through February 6, 2014.
 
The terms of your Cardmember Agreement specify the APR on purchases, balance transfers and convenience checks (with the exception of promotional offers) would be 19.99% variable (prime rate plus 16.74%). After the expiration of the above referenced promotion, the contract APR’s will apply.
 
Please be assured we have forwarded this feedback to the representative to receive the appropriate feedback. We have also removed the August and September interest charges billed to your account. You will see these credits on your October 2013 billing statement.
 
If you have any questions or concerns regarding this, please contact me. I can be reached at the address listed at the heading of this letter or calling ************* **** *****. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/9/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This has to do with my Barclays Credit Card. On 9/3 I made a payment of my car insurance to Progressive. I was just informed by the insurance company that my payment was outstanding, actually my coverage had lapsed. Under further investigation I discovered that Barclays had actually declined the scheduled payment I had made. I have a large credit line and excellent payment history. By declining my online payment to my insurance company and not informing me or contacting me, I was driving around uninsured for two days. I called customer service and the woman verified that it had been declined, no one had contacted me, and it looked like the reason was the computer thought it may have been fraud. This is absolutely unacceptable. Thank goodness I was not in any car accident during that time or we would be in legal proceedings right now. The girl on the phone was just going to pooh pooh the situation until I made her open a case and told her I wanted a manager to talk to. Apparently all were busy and it is going to take 24 - 48hrs to get back to me. I can't possibly do business with a bank that doesn't make the requested payments on time and then doesn't even call to let you know or check on the situation

Desired Settlement: I would like a full explanation of what happened, why it happened, and what measures are being put in place so that it doesn't happen again. In other words a good reason why I shouldn't move my business to another bank.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
October 10, 2013
 
 
 
RE:       Upromise MasterCard account ending ****
 
**** *** ********* 
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau. We understand your concerns regarding the recent declined transaction and would like to take this opportunity to respond accordingly.
 
It was a pleasure speaking to you regarding your account. Let me begin my expressing my regret to any inconvenience you may have experienced while attempting to resolve this matter. As we discussed, the transaction in question was declined as result of an invalid expiration date and because of suspicious activity. Our records further indicate the charge was submitted with the correct expiration date and was approved on September 10, 2013.
 
To avoid this situation from occurring in the future, we suggest you update the card expiration date on any bill pay services you may have set up for this account.
 
Should you have any questions please contact me directly at ************* **** ****** My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.
 

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/7/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I made a payment to keep my account up to date. The late payment was processed and I was given a confirmation number. I then called back to see if the late fee could be waived. I was told the late fee was going to be waived and that the payment I had just made would be cancelled as long as I would pay the next minimum amount due on September 27th 2013. I agreed and received a new confirmation number. I used the card that evening and the purchase went through. I then attempted to use the card the following morning as was told that the card was refused. After 1 hour and 30 minutes of speaking to 6 people, 2 of which flat our lied to me, I was assured I could leave a message with a ******* who earlier had told me she would "see what she can do" because the error was on Barclay's end. I was put on hold and then disconnected. Three people have lied and all given me different stories within the last 15 hours.

Desired Settlement: I wanted my card to be in active status so I could use the card. Also, some type of action to be taken for the blatant lies I was told. Also, my time wasted and the business I had to cancel as a result of Barclay's mistakes and deceitful actions, should somehow be resolved by Barclay directly.

Business Response:

P.O. Box 8885

Wilmington, DE  19899-8885

November 14, 2013

Re:   Barclaycard Rewards MasterCard Account ending in ****

**** *** ********

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) by the Better Business Bureau of Delaware. We understand your concerns regarding the servicing of your account and would like to take this opportunity to respond.

Thank you for taking the time to speak with me September 23, 2013. We apologize that your concerns were not successfully resolved during the discussions with members of our Collections team.

As we discussed, I reviewed the recorded calls and I can confirm that your payment was rescheduled for a later date which resulted in the placement of a past due hold. Although this action was taken to assist you with paying the balance due, our representative did not clearly communicate the impact to your account. Please accept our apologies for the confusion. As a courtesy, $54.17 has been credited to your account.    

We hope this provides clarity and resolves your concerns. If you have any further questions, I can be reached at *************** **** ****** My office hours are 9:00 a.m. to 6:00 p.m., Monday through Friday ET.

 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

10/5/2013 Advertising/Sales Issues | Complaint Details Unavailable
10/5/2013 Problems with Product/Service | Complaint Details Unavailable
10/3/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: This has reference to my August 24, 2013 letter to BARCLAYS, my emails starting August 24th to your Customer Service Department and my August 30th telephone call to your Disputes Unit regarding fraudulent activity on account ending in 7471.

Desired Settlement: Review account and make the appropriate correction which will result in a zero balance.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
September 27, 2013
 
 
RE:       US Airways MasterCard account ending in ****
 
**** *** ***********
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware (‘BBB’). We understand your concerns regarding the fraudulent transactions on your account and would like to take the opportunity to respond accordingly.
 
Allow me to first confirm credit has been issued for the fraudulent transactions that posted to your account, and your account now has a zero balance.  
 
Our research revealed that fraudulent charges were billed to your account on July 6, 2013 from Delta Airlines.  Although these transactions were reversed on July 30, 2013, the fraudulent charges were inadvertently rebilled which created a balance of $751.80. On August 28, 2013, we applied a credit to your account in the amount of $751.80 to bring your current balance to zero. These adjustments will appear on your September 21, 2013 billing statement.
 
Please accept our apologies for any inconvenience this matter has caused.  If you have any questions, please contact me at ************* **** *****. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 
 

 
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

10/2/2013 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Barclalys cancelled a credit card acct some time ago because I reached maximum amt. I ALWAYS PAID ON TIME AND WAS NEVER LATE. NOR DID I PAY LESS THAN THE MINIMUM DUE. That is fine. Their rate of interest in exorbitant compared to any other card I have. I have continued paying them more than the mimimum EVERY MONTH since the closing and never late. This month they will no longer allow me to make payments on-line. I must call them and waste my time and their customer service employee's time paying over the phone. I refuse to mail checks since the post office stole my checks 2 years ago. This is inconvenient for me and them. Their customer service manager was unwilling to do ANYTHING. You would think a bank would want their money the most efficient way. Not this bank. THE WORST BANK I HAVE EVER DEALT WITH FOR ANY REASON. TERRIBLE SERVICE, TERRRIBLE INTEREST RATES. HOPE THIS KEEPS OTHERS FROM USING THEM IN ANY CAPACITY.

Desired Settlement: Allow me like anyone else to pay online. THEY cancelled the card for no reason. I was not negligent in ANY WAY.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
September 16, 2013
 
 
RE:       Wyndham Rewards Visa account ending ****
 
**** *** ******
 
We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding your ability to access the website as well as the interest rate on your account and would like to take the opportunity to respond accordingly.
 
It was a pleasure speaking with you regarding your concerns. Allow to reiterate my apology that the representative you spoke with previously did not properly address your concerns regarding your inability to access the website and any confusion this may have caused. During our conversation you confirmed that you were able to successfully log into the website using your current username and password. I shared with you some additional payment options available, including automatic payments and payment by phone, which are both free of charge.
 
We also discussed your request for a lower interest rate on your account. Our records show your current interest rate is the rate that was applied to the account when it was opened. Unfortunately, we do not have a lower rate available for your account.
 
As referenced in your correspondence, the account was closed on November 23, 2012. A letter was mailed to notify you of this change to your account and the corresponding reasons.
 
We hope this addresses your concerns. If you have any questions, please contact me at ************* **** *****. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday. 
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/30/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: We have wanted our due date changed to the 28th of each month. After 6 months of trying to do this they did agree on August 29, 2013. However since then they are calling and stating we have a payment due on September 7, 2013. We have the new statement and it clearly states September 28, 2013. We have been made to pay late fees over the last 6 plus months when our payments were being done on the phone on the 7th of each month, sometimes late in the evening on the 7th. Then when we get the next statement it shows a late fee of $35.00. We are tired of disputing that the payments were being made on the 7th before midnight and that no late fee should be involved. Barclay's say they fix it but they do not. We have argued over this many times and we are tired of the situation. They are rude and nasty when they call and we have only tried to get this payment changed to the 28th of the month for 6 months or more due to the fact that Robert only gets paid once a month and it is not until the 25th of each month. We are tired of fighting to get the late fees corrected, there should not have been any. We are willing to pull our phone records to prove the payments were called in on the 7th before midnight.

Desired Settlement: We want any and all late fees that have been charged to us in the last 6 months to be credited to our account and the phone calls to stop since the payment is now not due until the 28th of each month beginning this month. So far this month they have called here 3 times for the payment and it is not due until the 28th of September. I believe we should get a credit to the account for each of the 3 phones calls we received so far this month. This is harassment and it needs to stop or we will get an attorney involved. I believe that they CANNOT call until the payment is late and by this statement for September, they should not be calling until after our due date of the 28th.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
September 26, 2013
 
 
RE:         Juniper MasterCard account ending ****
 
**** *** ******* 
 
We are in receipt of your recent correspondence sent to Barclays Bank Delaware (‘Barclaycard’) from the Better Business Bureau of Delaware. We understand your concerns regarding the payment due date on your account and would like to take this opportunity to respond accordingly.
 
We regret any inconvenience you may have experienced while attempting to resolve this matter. I would first like to confirm that your statement closing date has been changed to the 28th of each month, as you requested. In addition, we have issued some courtesy credits for late payment fees. The credits will appear on your next monthly billing statement.
 
Our records further indicate that we previously received requests from the authorized user to have the payment due date changed. In order to make changes to your account, we need to obtain your consent. In doing so, it was not our goal to inconvenience you; rather it was to ensure that changing the due date was your intention.
 
While you have requested a credit for all late fees that have been assessed, unfortunately we are unable to honor this request. There were billing cycles in which we did not receive a payment or the minimum amount due was not satisfied. As explained above, we have issued some credits as courtesy. However, it was correctly explained to you that in order for your payment to be posted on the payment due, it must be processed by 7:00 p.m. ET.
 
In your correspondence, you also state that you received calls from us after changing your payment due date. We have confirmed our representative was incorrect in advising you that the change would be effective. We have forwarded feedback so the representative can receive the appropriate coaching.
 
*** ******* we strive to provide superior customer service and regret to learn we have not done so in this case. Should you have any questions, please contact me directly at ************* **** ****** My office hours are 8:00 am to 5:00 pm, ET, Monday through Friday.
 

Consumer Response:

Better Business Bureau:

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

 


 

 

 

BBB's Final Determination: Consumer accepted resolution offered by the business.

9/30/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: I had a last minute trip to make and went to priceline to try and get a good deal on a hotel stay. I was then offered a chance to apply of there credit card and If approved would receive a fifty dollar credit. I took the bait applied and was approved. However, at the end of the session I was informed that due to me traveling (the next day) that since my card would not be delivered I may have to use another credit card to pay for the hotel stay but still get the discount rate and when my card comes I will have a fifty dollar credit. Well, I did pay with another credit card. Returned home and maybe a month later I received my card, welcome package etc.. Thinking it was just my card was in hurry to open paperwork, however couple days later I did open the info and it was a bill, and as normal when I receive bill I just went and paid it, then realized that I had already paid my other credit card for this purchase. I then contacted Priceline credit dispute department, explained my case they assigned me case #*********, I was told to fax copy of credit card statement showing I had paid this. I did fax this documentation on 8/12/13(have fax receipt). I then received a letter on 8/27/13, stating that my case have been closed and that they assume I no longer wish to dispute this charge. I then call the dispute center and get the run around. I wanted to find out what more info they needed, and all they could say is we never received the fax and to re fax it and that they will re-open the case. I requested speak with someone in upper management then all I got was oh Ms we are sorry but we just need the documentation. I think the issue is that they have been already paid and can care less. I will resend this document but want to open case with Better Business Bureau, because I think this is fraudulent and maybe prevent other person from getting scammed. any assistance BBB can give me in getting this resolved would be greatly appreciated.

Desired Settlement: Money refunded.

Business Response: P.O. Box 8885
Wilmington, DE  19899-8885
 
 
 
November 15, 2013
 
 
 
RE:      Priceline Visa account ending ****
 
**** *** ******** 
 
Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Better Business Bureau of Delaware. To ensure the most efficient handling, your correspondence was forwarded to my attention to investigate and respond.
 
It was pleasure speaking with you on October 22, 2013. During our conversation, I was pleased to learn the matter was addressed to your satisfaction.
 
It is our goal to provide exceptional service and it is our hope we have met your expectations. If you have any questions or concerns regarding this matter, please contact me directly at ************* **** *****. My office hours are 10:00 a.m. to 7:00 p.m., ET, Monday through Friday.
 

BBB's Final Determination: Business offered a resolution. Consumer did not pursue further with BBB and the matter was assumed to be resolved

9/27/2013 Billing/Collection Issues | Read Complaint Details
X

Additional Notes

Complaint: This bill was transferred to a collections agency and the agreement was for $341.47 which I paid. Barclay has my amount as $750 on my credit report.

Desired Settlement: This bill was transferred to a collections agency and the agreement was for $341.47 which I paid and the account was paid in full. Barclay has my amount as $750 on my credit report and this is incorrect. I want this corrected on the 3 credit reports.

Business Response: P.O. Box 8885
Wilmington, DE 19899-8885
 
 
 
August 15, 2013
 
 
**** *** *********** 
 
We are in receipt of correspondence forwarded to Ba