Barclays Bank Delaware

Review: I had a valid credit card with the company. My wife was traveling in the south(early July 2014) and tried to use the credit card. She then realized that it was expired in June of 2014. No problem I thought. Barclaycard would just mail another card. I contacted them on 7-7-14 through the SECURE MAIL that they set up and asked for another card. I get that they mailed the card on 4-25-14 and I should have received it. I didn't. They told me to call and I said just mail another card because they said they were putting a hold on my card. I contacted them on 7-9-14 and asked them to overnight a card. Each time I get the same BS that they want to help but they won't. I asked them to just mail the card and they have not. I waited until the end of the month and e-mailed them again on 8-1-14. I asked them if they put a postal tracer on the card that allegedly came to my house. I inquired why there were no messages to me to activate my card, or you should have received your new card activate it immediately. No messages like [redacted] does when they mail a new card. I called them liars because I didn't think that they mailed the new cards!!. I asked for my new card and if they weren't going to mail it cancel the account. So ,they canceled the account without telling me why no new card! So they accept secure mail to cancel an account but not to ask for a new card.Desired Settlement: Give me the cards they say that they mailed. If they don't I want a United States Postal tracer to show whose hands my cards ended up in. It has my wife's and my name on them I believe I have the right to know where they ended up. Someone can be using my name that shouldn't be. If they ended up in Philadelphia I'll go get them. I am in law enforcement. That is if they were ever mailed out. I don't believe the company ever mailed them. If I need to make a police report please tell me.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 12, 2014

RE: Barclaycard Financing Visa account ending 8780

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

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

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

Sincerely,

Review: 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 [redacted]. Thank You!Remove fraud charges: 11/26/13CASH ADVANCE FEE20.1508[redacted]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. [redacted]

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 Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

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

Review: There were fraud charges posted to my credit card acct ending in [redacted] (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

Review: Someone fraudulently obtained a BarclaycardUS credit card online in my name. That person was able to obtain this credit card with my Social security number only. When I found out that someone fraudulently obtained this credit card in my name, I contacted customer service @ [redacted] and reported to them that I want the account closed immediately. The perpetrator was issued a credit card using my social security and a Florida address and used that card to purchase APPLE IPHONEs at the Apple Store in the state of Louisiana. I contacted the customer security division of BarclayCardUS @ [redacted] to inform them that I needed a copy of the statement to show the local sheriff department in my home town to report the incident. I was told they were unable to release the statement as I was not able to verify the date of birth and mothers maiden that was on record for this fraudulent application. I requested a copy of that online application for credit as well- which they were unable to provide, AGAIN, due to me not being able to verify the date of birth and mothers maiden name on record. I have file a police report with my local sheriff department here in Hernando County Florida with Deputy Brad Oakland, phone # [redacted] on 2-19-2015. I am in NO way responsible for any bill being generated due to these circumstances.Desired Settlement: Firstly, I think your policy needs to change as far as obtaining a credit card online and not verifying correct date of birth or home address. I was alarmed a credit card had been issued in my name without any knowledge to me. And to have a credit card issued online at a store in a different state, this was done in Louisiana, with an applicant having a different residence address, in this case Florida, should have flagged some type of fraudulent activity.

I WILL NOT BE RESPONSIBLE or have my credit affected in any way due to the transactions of the BarclayCard US issuing credit cards to people who are fraudulently obtaining them. Maybe they need to be a little more secure in issuing these lines of credit online. I would like a letter sent to say I will not be responsible for the bill generated on this falsely applied for credit card. My email address is [redacted]. Once I am contacted via email I can send over my phone number, credit card number, etc..

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 March 4, 2015 [redacted] RE: Barclaycard Visa with Apple Rewards account ending 2084 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8 a.m. to 8 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: Barclaycard processed my credit card payment twice. The payment cleared my bank once on October 15th and again on October 16th. Since I payed my balance in full, this was a large payment. The duplication of payment sent my checking account into overdraft. After contacting Barclay Customer Service, they at first denied that the payment had been processed twice. After bringing to their attention the my credit card account was setting at a $-554.10 balance they then realized there was a problem. They admitted to the problem and offered to send me a check for the duplicate amount. I asked for an additional $35 to cover my overdraft charge from my bank. They would not refund this amount and instead offered to give me point on my card. Since this money was deducted from my checking account the points on my card will not do me any good. I requested that my account be terminated and they refund the balance on my card (check not yet received). I still believe they owe me my $35 they have caused. I have had to quickly transfer money from my savings account to offset my negative balance in my checking account. Luckily I had money in savings otherwise I would be waiting for their check before I could bring my account back positive and I would continue to incur overdraft charges for all my scheduled payments, which would not have been reimbursed by Barclay.Desired Settlement: I would like Barclay to refund my the $35 dollar overdraft charge their mistake has caused.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 28, 2014

RE: Bluegreen Encore Rewards MasterCard account ending 8186

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

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

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

Consumer

Response:

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

The Barclay representative assigned to this investigation was extremely helpful. Not only was he able to investigate the situation and come to an agreement, he was also able to have the overpayment amount electronically returned to my account (much better than waiting for a check). He has also agreed to reimburse the overdraft fee which was incurred.

Review: 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 [redacted]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 [redacted]

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Revdex.com of Delaware. We understand your concerns regarding the 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 [redacted]. My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Review: 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 Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

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

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

Review: The 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 Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

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

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

Consumer

Response:

Review: My account was charged $49 annual fee without informing me.

An annual fee has been charged from my account without informing me.Desired Settlement: refund of annual fee

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 20, 2015 [redacted] RE: Juniper MasterCard account ending in 3186 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,[redacted]

Review: although I ve been paying my credit card balance on time or early my credit card account has been closed without notice as certified over the phone by [redacted]) supervisor for Barclay on July 24th 2015Desired Settlement: I want my credit card to be reissued or my credit card reopened with no delay

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885 August 10, 2015 [redacted] RE: Barclaycard Visa with Apple Rewards account ending in 6624 [redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond. We have fully investigated your inquiry. We have sent you a detailed response of the investigation and any actions we may have taken. Please allow 7-10 days for that response to be received through the mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. My office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday. Sincerely,

Review: 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 Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

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

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

Review: 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, [redacted] 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 Revdex.com of Delaware. To ensure the most efficient handling, your correspondence was forwarded to the Office of President to investigate and respond.

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

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

Consumer

Response:

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

Complaint Detail / Problem

Review: I have been trying for almost 2 months to resolve this.A company called "[redacted]"caused the problem.When I searched Google their announcement said"Dell Service".I assumed this was Dell Computer here in Texas.They billed me $200. on my Chase card(which was almost immediately credited by Chase after my call)and $250 on this(Juniper/Barclays)card for a total of $450. Chase said"This is obviously fraud,we have credited your account".I have called and faxed receipt copies to Barclays twice.I have talked with about a dozen representatives and gotten nowhere.Their customer service people are non-existent and absolutely have zero authority to do anything.I did Google Earth and this company is in an apartment in Fremont,CA.When I called for service,they answered in a foreign country and I was told"call another day,the computers are down".On top of that,they used a program that said"Consumer Trial Version Software"No reputable company does that.A few days later,my entire computer locked up with a virus and the hard drive crashed.I lost 3 chapters of my new book plus untold graphics,music and other content worth an easy $6000 in work.This cost me at least 6 months of work.Barclays/Juniper can be sued for deceptive trade practices in Texas and owe TRIPLE the amount in question plus court costs.These people should have their banking license cancelled.They are way worse than anyone on Wall Street.They have the worst online complaint rating of anyone.How is this blatant abuse allowed to continue?I have talked and faxed for hours till I am blue.Nobody there to make a decision.AVOID this bank at all costs!!![redacted]Desired Settlement: I want the $250 charged back to them and credited to my account.This is what Chase did immediately.You give them everything they ask for,and they stall with something else new each time.THis is "Deceptive Trade"as defined by Texas law.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

October 8, 2013

RE: Juniper MasterCard account ending [redacted]

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

I appreciate the time you took to speak with me on July 31, 2013. As we discussed then, we issued a credit to your account and began the dispute process for the transaction in question. Thank you for your patience as we allowed the merchant sufficient time to allow them to present any clarifying evidence. Since that time has lapsed, the dispute has been found in your favor. The credit which appeared on your August 2013 billing statement will remain.

[redacted] you are a valued customer and we’re glad we were able to resolve this matter for you. If you have any questions or concerns regarding this, please contact me directly at [redacted] My office hours are 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Consumer

Response:

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

Review: I have not received billing from Barclays yet, when I call their service center, they only say my account is overdue and offer bill paying options which I do not want utilize without viewing my statement. I tried to establish an online account at their website www.BarclaycardUS.com,in order view my account info ,after giving my ss# and other personal info, it rejected my 5 security answers as well a security phrase and didn't allow me to set up an online account. Their toll free phone number is [redacted] which is an endless loop of computerized message of options, none of which is a resolution to my lack of a billing statement.It claimed that I was late for my payment and was overdrawn on my account I called [redacted] which also connected me to that same endless loop. I pressed 0 as an unstated option and was connected with a heavily accented person who stated that I had in fact been sent a statement on Aug. 4 and that they would be willing to waive the late fee (on a billing that was sent late and that I haven't even received). Sight unseen, I refused to pay at that time. He offered to get me assistance setting up an online account if I agreed to pay at that time. I once again refused and said that, if those were the only options, I was done and hung up.These tactics seem like bullying and are unethical at the least in my mind. Barclays was not my choice as a card provider; it was brought about by [redacted] timeshare's change in card providers. Working with [redacted] on restoring my autopay option is very much the same story but that is another complaint, although it precipitated this whole affair.Thank you for this much needed outlet and hopefully other outraged [redacted] card converts will find an outlet as well.Desired Settlement: I would like to not pay the threatened late payment as well as to have Barclays earmarked for closer scrutiny for unethical practices.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

August 21, 2013

We are in receipt of your recent correspondence forwarded to Barclays Bank Delaware (‘Barclaycard’) from the Revdex.com of Delaware. We understand your concerns regarding receipt of your billing statements and inability to access your account online. We would like to take the opportunity to respond accordingly.

It was a pleasure speaking with you regarding your concerns. I appreciate the time you took to discuss these matters with me. Outlined below are the highlights of our discussion.

We confirmed all statements were mailed to your address on file. You advised that these may have been received by you, but could have been discarded due to the change in envelope appearance after your account was converted to Barclaycard in June of 2013. We discussed the appearance of your new billing statement envelope to ensure these are properly identified in the future.

Your correspondence also expressed concern regarding your attempt to set up online access. We were also able to verify you can now successfully access your account on our website. As a courtesy, the late fee of $35.00 was credited to your account. You will see that adjustment on your September billing statement.

I’m pleased we were able to address your concerns. If you have any questions, please contact me at [redacted]. My office hours are from 8:00 a.m. to 5:00 p.m., ET, Monday through Friday.

Barclay's Bank is horrible with the most rude customer service reps I've ever spoke to. I took this cc out in Dec 2014 threw Priceline due to being able to take advantage of the miles since my granddaughter was going to Hawaii in May for her honeymoon. I'm 80 years old and don't drive so I do a lot of my shopping online. I got a $6400 limit with Barclay's so I started Christmas Shopping and after charging $400 of my limit, I got declined. Thinking it was a mistake I called the company to ask what happened. They informed me that they suspect fraud and wanted to protect me. I told them that there is no fraud and even told them everything I bought and the price but that's when they got hateful. They said I needed to go to my bank and show them my ID and SOCIAL SECURITY CARD WITH MY CREDIT CARD. I informed them that I don't drive but I would be more than happy to email it to them, fax it or mail it. They insisted I mail it. They said they don't have an email or fax. I then persisted to tell them that I know for a fact that they were lying but I agreed and mailed them whatever they needed. So almost 2 months later, its February 2015, and I still havnt heard anything from this company so I decided to call. I asked to speak to a manager and was declined and was told that what I sent them wasn't good enough.I told them that's funny considering they have no problem taking my payment automatically debited from my personal bank account every month. I asked to speak to the President and I was told they don't have one. So here its April 2015 now and still can't use my card but they still take my payment from my checking account. I've never had a company treat me so horrible and disrespectful. I have a Discover card with $20,000 limit, Commerce Bank card with a $15,000 limit and a UMB Bank card with a $7000 limit and have had them for 35 years or more. My credit score is 745. This company is a joke and its just the worst experience I've ever had.

Review: 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

[redacted]:

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

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

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

Review: This morning, upon an email alert from Barclay's, I uncovered that without my knowledge, something made my spending limit go over on my Credit Card. Unaware of what was going on, I called in. [redacted], A Barclay's card service supervisor with whom I spoke at 11:34am, Informed me that I was "accidentally" paid out on an old transaction that I fought and won. Two payments of $642.76, one by [redacted] and one by Barclays, they stated. Since something seemed off about the story, I asked to be transferred to a dispute agent at around 12:05pm. He found the information on my account misleading, and questionable as well. He couldn't figure out how I was double paid even though my account stated I was. As he was trying to figure out why the re-bill happened, connecting with [redacted] to inquire himself, he instead threw me to [redacted], without doing the investigation himself and dropped the call. I finally had to hang up and call back again after being on the phone for 1:14:19 minutes. I was transferred to [redacted] who then told me that Barclays asked for supplemental information back in April, and since I had not sent it in, they issued a re-charge on the account in the amount. I have a letter from back in March on the case which stated that the fraud case resolution was met and that errors were made on their part and they apologized thus closing it for good. According to [redacted], Barclays sent me a letter (which I never received) that they have the right to re-open the case and ask for the money back if they find something overseen or new evidence to pry open the case. However, the only letter I received on the incident was the one attached, and it Never stated there was possibility of re-opening the case and re-charging the dollar amount. I was found in favor. Case Closed I assumed. I demanded to speak with a supervisor to figure out what was going on, and [redacted] stated I had to wait 24-48 hrs to speak to one. There was no immediacy to help an account that was hit with an error.Desired Settlement: Not only is my balance over the limit, but 4 months after the close date of the case, I am being hit with the same amount that I fought to won, and no one can give me the same story as to whom, what, where and why this is happening? I am sitting here trying to take the guess work out of the equation, and like the previous case, the patterns of erroneous miscommunication is happening once again. I am requesting to re-open an investigation into this fraudulent dollar amount on my account.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

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

I appreciate the time you took to speak with me on July 26, 2013 and August 1, 2013. It was my pleasure in being able to resolve this matter for you. Below is a recap of our conversations.

As we discussed, the charges that were assessed to your account on July 24, 2013 and July 25, 2013 were to offset the duplicate credits you received. I understand the rebilling of the duplicate credits caused your account to go over the credit limit. With your cooperation and updated information, we were able to increase your credit line so your account will no longer show as being over limit.

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

Review: 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 [redacted] 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[redacted] 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

[redacted]7

RE: Barclaycard Arrival MasterCard account ending 9220

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

We have fully investigated your inquiry. Under separate cover 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.

Review: I am in the process of trying to improve my credit score so as to obtain a mortgage to purchase my first home for myself and my kids and was told I should get one or two credit cards. The Barclay Card was referred to me thru a website that I use to check my credit scores as being perfect for someone like me that is trying to build their scores and even listed themselves as being the perfect card to do such. It even said that they accept people with scores as low as 580 (which mine is higher than that...around 630). Because of everything I read on the Barclay Card website stating that it was pretty much a guarantee that I would be approved where hardly anyone get denied and that I would get the answer in a matter of seconds I applied for this card online. When I did, I got a message on my screen that said I could go to a different website to check the status because they could not make an immediate decision. I went to the website that had been listed on the screen and entered in the appropriate info only to find out that I had been denied but it would not tell me a reason why other than I would be getting notification by mail. When the letter came it said that I had been denied for not having enough credit cards which is the stupidest thing I have ever heard as to a reason for being denied...especially when the reason I applied is because it said it would help me build credit to be able to get other credit cards in the future. This company listed false info on their site to build up peoples hopes and all it does is put a hard inquiry on their credit reports which ends up hurting them even more! If I wanted to be denied and have my credit score hurt even more I would've applied for a credit card that I know I would never be approved for right now. This company drags people in and gets them to believe their lies about how wonderful their company is and how easy it is to get approved for their credit card...but it is just like a magicians trick...all smoke and mirrors!!! Don't trust them!!Desired Settlement: I want the hard inquiry (which posted to my credit report on 09/25/14) permanently removed from my credit report as if it never had even been run (and I know it an be done) and to have them list accurate info on their website about the approval process so people wont get their hopes up thinking that they will be approved without an issue with this card.

Business

Response:

P.O. Box 8885

Wilmington, DE 19899-8885

November 7, 2014

RE: Application for Barclaycard Rewards account

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

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

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

Consumer

Response:

Review: My nightmare with Barclaycard began on Saturday 11/7/15. I received a phone call from a Barclaycard representative and they asked if I had made a purchase earlier today. I advised them the last time I used the card was on 10/26/15. I was then advised that they were going to disable the card and reissue me a card.

Later that evening I received an email alerting me that my email address had been changed per my request. I immediately called Barclaycard to advise them that I had not requested an email address change. The representative advised me that a new card had been ordered and was set to go to an alternate address. I was transferred to the fraud department to correct the email address; stop the new card order to the alternate address; and set up additional security measures on my account. I was assured they had this under control and that they would express ship a card to me free of charge to arrive on Tuesday.

11/9/15 - I woke up Monday morning to an alert advising me that my checking account had been overdrawn by $2,000 for a payment made to my Barclaycard card. I called Barclay again to advise them that I had not authorized a payment. I was told that I had initiated the payment on Saturday. I was not advised of this payment even though I had spoken to a representative on Saturday. When I asked why they hadn’t brought this my attention, I was told this information was not available to the rep. The rep then told me that they would reverse the payment and the funds returned within 3 to 5 business. The rep also said that a card was being sent to me express and was due to arrive on Tuesday per the notes that were left on my account. I contacted my bank and told them of the fraudulent activities that took place and they told me if they stop the payment request I would never be able to use my account to make a payment to Barclaycard. I told my bank that it was absurd for them to prevent me from making a payment to a company that I do business with! The bank advised me to allow Barclaycard to stop the payment request on their end.

11/10/15 - Tuesday came and I did not receive the card. When you call this company, a person that refers to themselves as an account manager greets you. Clearly, the term manager is being used loosely! I was advised that a card had not ordered and scheduled to arrive on Tuesday. Remember, two other reps had told on different days that a card had been ordered. WHAT ELSE HAPPENED?

11/12/15 - The payment attempt against my bank account had been reversed and my checking account was brought back to a positive balance. I called Barclay again on Thursday to get an update on what was going on, only to be told that my account password had been changed, a new card had been ordered and was being sent to an alternate address! I asked the rep how it was possible that a new card was ordered? No one knows my new password! I immediately asked for the recorded call to be pulled and an explanation to be provided to me. The so-called manager said [redacted] could not do that but their supervisor could. I advised the manager that I didn’t want any cards to be ordered until my request was honored. I was then told that I would be called back in 24 to 72 hours! To add insult to injury, I had to dispute several overdraft fees with my bank on Thursday to have charges removed.

11/13/15 - I was awakened by message from my bank at 5:52 am alerting me that my account was once again overdrawn due a payment request from Barclaycard in the amount of $2,000. I had to make another call to Barclaycard to find out why is this happening when they knew I had not authorized a payment. The rep said that this happened because Barclay will make at least 2 attempts to complete a payment!!!! Why would Barclay allow 2 payment attempts to be made when they are fully aware that the payment was made fraudulently??? Is this incompetence, negligence or a sheer lack of will to fix this ongoing nightmare??? I was assured on several occasions that this situation had been handled. Rachel, from Barclay, told me she would make sure I received a call from management once their associates reviewed the calls that were made to fraudulently change my account information. I was again reassured that the payment would be reversed and the money returned to my account. I called at 8:04pm to find out my password was removed from the account at 12:34pm. The thief managed to gain access again and place a new mother's maiden name on my account!!! [redacted], from Barclay, hung up on me at this point. I later spoke and to [redacted], then [redacted] in the fraud department who enlightened me that the thief does not need to know my password, all they needed to do was answer 2 security questions. The answers to which are simple. This is considered security?!!! [redacted] finally connected me to her boss, Jen, who is tasked with retrieving all the recorded calls made in reference to my account.

This has been a very frustrating and infuriating experience to say the least. I still do not have access to my checking account because of the fraudulent payments and cannot pay any bills. I never pay my bills late – that is until now. I am now late on 3 bills and am facing several additional overdraft fees. This is unacceptable!!! My bank advised me that they only waive overdraft fees once a year. Because the second payment attempt has not been reversed, I face additional overdraft charges!!!! This situation has snowballed into a complete mess due to the negligence, incompetence and/or willful actions of Barclay and I will not be held liable for any of the charges incurred as a result. I expect Barclay to make me whole!Desired Settlement: Account security improved, my checking account restored to it's correct balance, overdraft(s) addressed, appropriate training for representatives, regain trust and my customer loyalty recognized.

Business

Response:

P.O. Box 8885Wilmington, DE 19899-8885November 30, 2015[redacted]RE: Barclaycard Financing Visa account ending in 6728[redacted] Thank you for your recent inquiry addressed to Barclays Bank Delaware (‘Barclaycard’) forwarded to us from the Revdex.com of Delaware. To ensure the most efficient handling, this correspondence was forwarded to Barclaycard’s Office of the President to investigate and respond. We completed our investigation and sent you a detailed summary of any actions we may have taken. Please allow 7-10 days for delivery by mail. If you do not receive the detailed response or have additional questions, please contact our office at [redacted]. Our office hours are 8:00 a.m. to 8:00 p.m. ET Monday through Friday.Sincerely,[redacted]

Consumer

Response:

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