Messages

1

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 30, 2020, 02:27:27 PM »

Will probably be suing in DE. Hoping they settle and don't actually make me schlep down there. If anyone has any actual knowledge/experience with suing for similar reasons (would like to know if i should be requesting another couple K for the time/aggravation involved in my ordeal), pl let me know. No need for hypothesising. Looking for real data. Tnx guys!

2

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 15, 2020, 01:00:35 PM »

Whoops. Thought you were same poster as before. I paid because the bill was due. Card has 2.5k credit line so just making min payment would have tanked my credit score. Expected to get the money back, of course. And i will

3

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 15, 2020, 12:57:40 PM »

Can I ask why you paid???

Im not getting your line of questioning. Please explain

4

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 14, 2020, 11:52:01 AM »

1301 6th Ave. Braclays Investment Bank.

My case is against Barclays Bank Delaware. That's a different entity.

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Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 13, 2020, 12:45:12 AM »

Did you pay the bill yet?

Yes. Why?

6

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 12, 2020, 08:01:57 PM »

Now wanna file in small claims but it seems there's no simple way of doing that since barclays doesnt have a presence here in nyc

7

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 12, 2020, 08:00:03 PM »

Something is missing from the story, you noticed the fraud and told them about it? Or is it a dispute?

Abridged version of my story goes as follows:

Received letters from barclays for two of my cards stating theyll be deactivated due to inactivity. Went to look for those cards to do a small swipe to keep them active but i couldnt find them. Called up and requested replacement cards. Whole story slipped my mind. A week or so later i receive a fraud alert (text, i think) on one of my barclays cards. i decline the transaction. Later that day i log in to see whats going on and see someone went on a small shopping spree with two of my cards. Called up to dispute the charges. Rep asks me if i currently have my cards. I replied that i dont know (i was thinking of the old cards which were possibly still by me). Short while later fraud claim was denied because the cards used (the new replacement cards - which i never received) were chip cards (which supposedly can't be replicated) and i didnt state unequivocally that i dont have them. I spent hours trying to explain that i never even received said chip cards and when i stated that i dont know if i have my cards i was talking about my old cards, but to no avail. They even insisted that i myself activated them from my own phone number. I suspected spoofing so i requested from them the date and time of activation. After receiving the activation info i went ahead and sent in phone records showing i never made such a call. They then reopened the case and gave me a temporary credit. Two seeks later a receive letter that the case involving a 1k swipe on one of my cards was decided in my favor. But only a few days after that i receive another letter that the other case, involving 2.5k, on my other card was decided not in my favor. At that point i filed with the cfpb and had someone reach out to me. She gets back to me several days later telling me that despite the phone records it was me who activated the cards (same voice 🙄) and i really should have never received the 1k credit on the other card but they wont reverse that. There are many, many, many arduous details that i dont have time to write up right now, but this is the gist of the story.

I write this so people should take heed and think twice before answering fraud reps when dealing with a chip card.

8

Credit Cards / Re: Small Claims against Barclays Bank. Possible?

« on: January 12, 2020, 10:44:18 AM »

Something is missing from the story, you noticed the fraud and told them about it? Or is it a dispute?

Yes, there is much missing from the story, as it is long and protracted. It is a fraud case, not a dispute. If ill have the time ill iyh write it up later, as there is much to be learned from it for others. But at this point i need help with filing a small claims suit. Anyone ever file against a bank without offices in your local small claims jurisdiction? 

9

Credit Cards / Small Claims against Barclays Bank. Possible?

« on: January 10, 2020, 03:21:33 PM »

Barclays forced me to pay a 2.5k fraudulent charge that landed on my card. I tried, for months, to have it removed from my account (CFPB, executive office, hours on phone with fraud dept, etc...), to no avail. After exhausting all option i decided to take them to small claims court. Problem is, it appears their banking department doesnt have any locations in NYC. Does their lack of branches around the country essentially shield them from small claims court?

10

Credit Cards / Re: Amex Clawing Back the Dell Credit on Business Platinum to Adjust for Amex Offer

« on: November 05, 2019, 11:28:57 AM »

Wow, That's awful!! I bought those speakers that were on sale a while ago, and resold it on Ebay. I hope they don't claw it back since i may have closed my cards.

Ya. They just clawed back on one of my closed cards. I would advise you to check your closed cards. The stuff coming from amex these days is insane

11

Credit Cards / Re: Chase A/A Master Thread (Now With Poll)

« on: October 11, 2019, 05:04:44 AM »

Wife had all her cards (with the exception of one) closed two weeks ago. If i transfer her UR points to myself am i endangering my own accounts?

12

Credit Cards / Re: Chase/Amex question

« on: November 25, 2018, 12:45:32 PM »

Structuring is WAY worse than getting 10k reported. They'll shut you down, in the best case - freeze your assets, in the worst 

13

Credit Cards / Re: Chase Reconsideration

« on: December 13, 2017, 07:53:40 PM »

What's the best excuse when trying to recon chase app when reason given is "Too many recent requests for credit or reviews of your credit"? (5/24 isnt an issue here)

14

Credit Cards / Re: Bofa A/A

« on: October 08, 2017, 03:47:43 AM »

Believe the title should be bofa a/a instead of bofa aa, expecially since there is a bofa aa card (though its obviosly not availible to new applicants, left overs from a few mergers ago).

+1

15

Credit Cards / Re: Bofa AA

« on: October 08, 2017, 03:47:25 AM »

just for putting on a large charge after not using in a while

I had a card that was shut for paying with third-party check that i had reinstated after calling and speaking to supervisor. Then they shut all my accounts (not sure why - think they suspected structuring) and they wont even talk to me, let alone let me back in. So really depends why they shut you. Did you try calling?