Date Received: 2020-01-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system. After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit. Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled. I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located. The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX. By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60654
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-11
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: BarclaysBank Delaware allowed me to apply for a credit card in XX/XX/2019, They did an Extensive credit review and the Credit Analyst Manually approved the credit card. Knowing, I had a fraud alert on my credit file I was transferred to the Security Department to further have the application reviewed. This review took over 1 month, and as I kept calling to check I was told there would be documents I am required to send in. After finally 2 weeks they told me they needed my drivers license, Utility bill and application number and letter. I sent these in via EXPEDITED overnight mail. It took barclays another 3 weeks to finally approved the credit card. No call, no nothing. Finally I got the card in the mail almost 2 months later. I called in to ask to have the credit limit re evaluated because I had planned to do a balance transfer. Barclays Manager Credit Analyst which is a manager of the credit department approved my request and increased my credit limit by {$9000.00} to a total limit of {$10000.00}. This was a great limit, and they soft pulled my XXXX Credit Report. After I was approved for my increase I used the credit card for small purchases and would pay them off each month. Then I used it the following month to purchase airline tickets which were approved. The Credit card was declined several times at the hotel I was trying to stay at. After calling they assured me it would go through and it did not. After that I didn't use the card for a month but later payed it off again. Then a month after that my card was stolen and someone used the number online for Fraudulent XXXX, and Fraudulent XXXX charges. Barclays did not do an investigation, I had to reach out to the company myself to get these companies to reverse the fraudulent transactions on XX/XX/XXXX the companies reversed the charges. However Barclay 's did not update my balances and left the reversed credits on the old card number they replaced. Following that I logged in to activate my new card. Which I activated. After activating TWO DAYS LATER, I login and it says my account is closed. I was very confused and the fraudulent charges had not been reversed to my account yet, The companies sent me Credit Transaction ID 's showing proof they sent credits. Speaking to Barclays further all they could tell me was they did a soft pull of my credit and that my balances grew too fast. Explaining to Barclays that I was a victim of Identity fraud and that the accounts on the reports were not accurate DID NOT MATTER to barclays. They even were aware I was a victim of identity theft. I did not receive any letter stating why they closed my account, They told me if I fixed my XXXX Credit Report to call back and they would re review and see if they could re open my account. I did fix my report, and Called back and was told they would not re review my account, and That It could not be re opened. Questioning why I was told that the Manager said, We see you were told that but you can write the office of the president and ask why we can't re evaluate. They wouldn't let me speak to anyone, I do not feel that Barclays is following the Fair Credit Reporting Act, They are not following the consumer credit protection rights either. The way they are handling accounts with Fraudulent charges isn't correct and isn't lawful. It took them two Months of having the Fraudulent charges reversed from these companies that the COMPANIES GAVE THE MONEY BACK For, To realize they never posted it to my new account number and apologized 3 MONTHS LATER. They had the credits for THREE MONTHS before they even switched it to my new account number, and no one could tell me why. I believe that the reason for closing my account is not accurate. The limit was set by Barclays not me. Additionally, I did not make the fraudulent charges and you only closed my account after the fraud occurred even though it was found in my favor that I did not perform the fraudulent transactions. Yet Barclay quickly and swiftly closed my account after the fraud occurred. I want this re evaluated. I fly XXXX XXXX 100-150 times a year and this was my primary credit card. I am not sure why it was closed it is unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2020-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Today, XX/XX/XXXX, I received a report that a new account was opened in my name with Barclays Bank Delaware for a credit card that holds a balance of {$99.00}. The account was opened on XX/XX/XXXX by someone other than myself. I called Barclays and they have no record of an account in my name or belonging to my social security number. They instructed me to file this claim to rectify the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I applied for the JetBlue MC back in XX/XX/XXXX through an application given while in flight and collected before landing ; a few weeks after applying I received a letter from Barclays stating that I could not get the card because the terms offered on the card that I applied for ended. A couple of days later I received another letter stating that they could not approve the card because my record on one of the Bureaus ( My credit is actually really good ). Then a couple of weeks later I received a JetBlue Card offer, which I completed online using the provided Personal ID Code on the offer. Today XX/XX/XXXX I received a letter stating that my application ( # XXXX ) was denied because " Too many recent applications ''. I only applied once prior to the most recent time, and was told that the offer was no longer available. I have made attempts to contact Barclays Customer Service and at this same time have been kept on hold for 1 hour and 41 minutes. They are using deceptive marketing practices, apparently discriminating in the application process, because there is no reason why I should be denied. You can contact me at XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-10
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In XXXX, 2019 I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays of Delaware by phone to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: In XXXX, I signed up for a Fronteir credit card, through the Frontier airlines booking website, after being targeted for a special offer of a {$200.00} statement credit after making an initial purchase. After paying my annual fee and using the card to make several purchases, I waited several billing cycles for the statement credit to materialize, but it never did. I contacted Barclays to inquire about the offer, and was told there was no record of this offer on my account, and that I would not be receiving my {$200.00} statement credit. The offer is still presented on Frontier 's booking site, and I unsure as to why they are not honoring it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over XXXX charge - offs which is against FTC regulations to report. 1. XXXX XXXX XXXX {$7600.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. BARCLAYS BANK DELAWARE {$0.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed XXXX charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report is showing fraudulent accounts from Barclays Bank Deleware attatched to addresses I have never lived at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/XXXX I made an incorrect payment use my XXXX XXXX online banking application, I paid an old credit card that was sold from Barclays - BARCLAYS BANK DELAWARE - CREDIT CARD. The payment was for {$1100.00}. When discovered the error worked with XXXX XXXX and XXXX XXXX sent proof of payment on XX/XX/XXXX - to XXXX XXXX XXXX. XXXX XXXX agent and I spoke to customer service who supplied the number and instructions for getting the payment traced and process. The Barclays representative stated it would take up to 25 business days. XXXX XXXX and I followed up on this a few times after the 25 business days. I with a XXXX XXXX representative escalated the situation on XX/XX/XXXX during a 2 hour session of being transferred and put on hold numerous times. Finally a manager XXXX XXXX XXXX said he would escalate and would also send an escalation email and was hoping for a two day turnaround but should be within 5 days and he saw they had everything they needed in XXXX. I called today and was put through to a manager who says nothing since XXXX was worked. Gave a new SLA of 10 days. This should be a very easy item to resolve especially with the proof of payment - this illustrates numerous control break downs, lack of knowledge for SLAs and processes and poor customer service - they refuse to call me or provide anything in writing - feel like I am dealing with criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A