Barclaycard USReviews of banking.barclaysus.com

This is the third time they offered a special rate and didn’t honor it!!!

In October 2024, my credit card account was hacked, I was notified that my profile information had been changed. I quickly acted and updated all erroneous information, changed the password and notified your company. During the conversation, the representative reviewed recent charges and there were two that I did not recognized and I stated that those were FRAUDULENT! Since I was out of the country at the time, I locked the card and added a secret password. I DID NOT receive any communications from your company regarding the FRAUD investigation, alerts, and emails from this time forward. I was notified from my credit bureau in January 2025, that the account balance payments had not been made in the last 60 days! I attempted to access my account and was unable since the password and telephone number had been changed!! Thus, I could not reset the password!!! I called immediately but I could not find my secret password. When I did call again, on Jan 17, 2025, I discovered that all of my profile information had been FRAUDULENTY CHANGED AGAIN!! The November, December and January statements were sent to two different FRAUDULANT people and address! BTW I was on hold for over 75 minutes before speaking to a representative!!!! During the conversation, the representative reviewed the transactions and there were two that were fraudulent and would create a fraud case. I asked how long it would take to process this and was informed 30 days. BTW I was on hold for over 75 minutes before speaking to a representative On February 17 2025, I called and spoke to a fraud department representative, Lesly, and she informed that the fraud case, opened in Jan 2025, was idle and she would do a manual push for investigation. Again, the process would take 30 days for the investigation. I request that a recap of our conversation be sent via email or letter be sent to me, and Lesly stated that she would and it would show up in the documents folder in my account. The fraud case number given to me was: 00043931323 BTW I was on hold for over 45 minutes before speaking to Lesly. Earlier this week, I was notified that my account had been closed due to non-payment, even though I was under the impression that there was a fraud case open. On February 20, 2025, I checked my account, not finding any document I was promised. Thus, I called again! This call started at 11:32 AM! Spoke to Daisey and described the issues with my account. I requested that I speak to her supervisor, she transferred me to a fraud supervisor, Atanas, at 11:45 AM. Again, I had to repeat my reason for my call. I stated the whole story to him. He first stated the fraud representatives are not able to sent out any communications, so Lesly lied to me and he agreed! He also went over the transactions since October 2024 and there were none! So back in Oct 2024 and Jan 2025, I reported two fraudulent transactions and now they are no longer in my account? Where they removed? AND the fraud case number was not valid! I asked Atanas how I can get all the late, interest and other fees reversed, he stated that the collections representative could take care of this. He transferred me and Shawna was only able to reverse some of the fees. But not all! She transferred me to Debra. After explaining to Debra my issues and frustration, she was able to reverse all of the other fees and charges. After reviewing all of the transactions since Sept 2024, I acknowledged that I was responsible for two transactions and I will pay for those. I then asked how I can get my account re-established, with my previous credit limit and she filled and submitted a form to do so. Since the closing of the account, the reporting of late payments and the reduction of available credit to the credit bureaus, my credit rating has taken a major hit!! All due to my account being HACKED TWICE! I am DEMANDING that BARCLAYCARDUS do the right thing and reinstate my account with my previous credit line and notify the credit bureaus of the correction!

In processing my application, they requested I fax the front and back of my drivers license and social security card and gave me a number to fax it to. I called a couple of days later as it did not seem right - one of their representatives said that is not the process nor the fax number and it was a scam, they sent me to a supervisor who confirmed and asked me to mail the information. After requesting another manager I got a call back and was told that I should not have been asked to fax it but need to send the documents - SCAM the people I spoke to are all offshore and not in the USA. When I told them to cancel my application, they again pushed for me to send my personal information via mail. No emails or letters from Barclaycard this was all requested over the phone

Barclaycard is the absolute WORST!!! I've had my card for YEARS, and suddenly - and without ANY advance notice on their part - my credit limit was lowered from $16,000! I found out when I received my monthly statement from them and noticed that the credit limit had changed. Of course I called them immediately and spoke to someone who could barely speak English. I went through the torture of lifting my credit report freeze so that they could run my credit again - only to be informed that they would not reinstate my original credit limit that I've had FOR YEARS. I told them to immediately cancel the card if that is the way they treat longtime customers with stellar credit. All this happened on January 29, 2025. AVOID BARCLAYCARD AT ALL COSTS!!!!

They do not have an online tool to submit dispute unlike other major US credit cards. We are in 2024, we need to mail physical copies of proof to file dispute. And even after filing dispute with all valid documents and proof, the case is always closed in favor of merchant.

If you ever want to dispute a charge, they'll side with the merchant, even though I sent them emails from the merchant stating they would credit my card back and failed to do so. Barclays still will not dispute the charge. Their call center is of course, overseas, and they are just "robots" that don't help at all. I'll have to file a suit against the merchant now. They do not protect their customers at all. Stay away from this card!

Was a customer for over 10 years. Never late, credit rating high 700’s to 800’s credit limit $12,000. I always manage my credit closely and follow the less than 3% credit usage suggestion. Well without notice this company sent me a notice that said because my highest balance this past year was 5,000 that they were reducing my credit limit to this amount going forward. They did not care that this impacts my credit score with my credit available vs credit used. This is garbage and underhanded snd totally unacceptable so because I manage my credit appropriately and pay my bills I am punished for this? They just sent me a new card which will sit in the envelope until next year. I will never activate it or use them again. They might as well deactivate it now for no usage. Garbage!! This is new, what happened to them? I had the same credit limit for 10 years with no issues. I don’t get it?

This company is a JOKE and deserves only a poor rating of NO points or stars, and has created a nightmare for me. They allowed a rebill of a disputed amount charged with a website company with whom I was dealing WITHOUT CONSULTATION OR AUTHORIZATION. These people do NOT document anything - so when call customer service no one has records of transactions, disputes, and other issues so you might as well talk to a wall. They are grossly negligent in all manners of business. I have had to fight and fight with them even after proving the charge was fraudulent. I've gone to the credit bureaus, and the CFPB -only to continue fighting. My credit scores have been in the 800s most of my adult life, and Barclaycard enabled this underhanded, disreputable website company to double bill me fraudulently. Further, my card number and SS number were fed to the dark web and unknown entities made purchases on that number because stupid Barclaycard would not cancel the card or even reissue a new card. So Barclay is holding me responsible for the bogus charges that I did not accrue. FIND ANOTHER CREDIT COMPANY - these people should not be in business.