topic Re: Barclay Arrival + WE MC issues! in Credit Cards

Barclay Arrival + WE MC issues!

MugenCivicSi83 — Tue, 01 Nov 2016 20:46:12 GMT

So today I placed an order online through my employer for products that we sell. I used my current address and my Barclay Arrival + WE MC. I have used the card 3 times this week, online and in stores with no issues until today. The transaction was declined on the website that I purchased the items on, but the payment went through to my credit card, not once, but twice. This didn't trigger fraud on my account yet lowered my available credit. I contacted Barclays who said the transactions were approved and no fraud had been detected....yeah makes perfect sense, 2 charges for $152.55 are not suspicious at all....*SMH*...

I then contact my employer's customer service department who said the transactions were declined by their payment processor Paypal and they sent me the decline reason that the address was not matching. I then contacted Barclay to confirm my address and they said the address I had put in was correct....it was not upon me logging on to the website. The Street Address was flip flopped with the apt #...geniuses work at Barclays I tell you....*rolling eyes*...

I updated the address (fixed their f-up.) Then I tried again with the address...this time copying and pasting so they matched exactly. Again....declined but the charge sure enough went to my credit card. I contact Barclays again and explain and they tell me that usually when this happens, they will see a decline message come from the payment processor shortly after an authorized transaction occurs, but that they were concerned it hadn't come through. Paypal is the payment processor and they will not answer calls.

What is my course of action to take? This is so beyond frustrating.

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Wed, 02 Nov 2016 00:02:59 GMT

Very VERY disappointed in Barclay Arrival + World Elite Mastercard. Now I go into my account online tonight and my available credit does not match my total CL minus all transactions. I called Barclays where the CSR told me that he saw the additional transaction and told me where to look for it. I looked and didn't see it. I logged out and back in and it still wasn't there. So since i'm a fairly technical person. All my career spent in developing systems and SAP, I know first hand to check all browsers. I logged out of all browsers, cleared all caches, logged into mozilla firefox...nope still not showing under Activity and Statements in either tabs for posted transactions/authorized transactions. Logged out. Logged into I.E. ....nope not showing either....Informed CSR who created a ticket for the issue....kind of disappointing that a system built this poorly is managing my finances. Ready to run as far away from them as possible.

Re: Barclay Arrival + WE MC issues!

Anonymous — Wed, 02 Nov 2016 00:45:42 GMT

It sounds like the amount would just be hold. Any POS verifies funds first and then places the hold on the amount. Each time swiped or in your case submitted created the hold on Barclays end. The funds will in a couple of days be released back to you and be available. Sometimes and especially with PayPal you might not see the hold or the release. But I do feel your pain with barclay the rep screwed up on their interaction with you

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Wed, 02 Nov 2016 01:25:12 GMT

@Anonymous wrote:
It sounds like the amount would just be hold. Any POS verifies funds first and then places the hold on the amount. Each time swiped or in your case submitted created the hold on Barclays end. The funds will in a couple of days be released back to you and be available. Sometimes and especially with PayPal you might not see the hold or the release. But I do feel your pain with barclay the rep screwed up on their interaction with you

Yes, it's just disappointing that there is clearly a disconnect on someone's system and it's not me! I'm willing to bet Barclays back-end databases have my address screwed up somewhere which is what the Paypal Payment processor is looking at and it's not matching up to what I input into the online order, which I find odd considering i've used this same card online this week to make a purchase to my Verizon phone account and used the same exact address I used for placing the order today. I don't get it. I'm not using this card for any online transactions anymore, I can tell you that much. Or should I test it on different sites to see if it's the Paypal payment processor that's screwing things up. According to my research...Paypal's payment processor is not good at all and has a pretty bad review.

Re: Barclay Arrival + WE MC issues!

noobody — Wed, 02 Nov 2016 01:26:24 GMT

I wouldn't worry about it unless charge been post later. it's just hold.
One time, I bought 10k stuff on this card, they hold 10K, then I returned merchandise on the spot, they create ANOTHER 10K hold, make Zero available credit. But it all sorted out after couple days without calling CSR.

Re: Barclay Arrival + WE MC issues!

Anonymous — Thu, 03 Nov 2016 10:43:21 GMT

I wouldn't lay your frustration on Barclays at this point.

The Payment Processor/Merchant is usually the "FUBAR" in these situations. What your dealing with is an AVS Mismatch... (Address Verification System) If the Zip Code billing address on your order didn't match or the CVV2 code didn't match, then the merchant/retailer doesn't actually receive an approval.

Remember Payment Processors are a 3rd Party between Your Credit Card and Retailer/Merchant. The AVS Match requirement is a policy or requirement of the Payment Processor for that Retailer/Merchant that your trying to purchase from. That's why Verizon doesn't need the AVS Match, their Payment Processor doesn't require them too.

Most Online Merchants/Retailers are reuqired by Payment Processors to have an AVS Match on Transactions/Orders because it is a fraud deterrent. In other words it's so I can't use your credit card to order stuff and have it shipped to my home.

They're just "holds" and will drop off within 7-10 business days.

Re: Barclay Arrival + WE MC issues!

lg8302ch — Thu, 03 Nov 2016 12:03:08 GMT

Don't worry about the temp charges on your account. They will be released in a few days. I have been thru this a number of times with Discover and Amex. There was the payment processor taking too long to respond and at the merchant it created a denial in the meantime even though the transaction was perfectly approved. Can you try to use the card directly and not using PayPal ? Did you add the card new in your PayPal account and maybe it does not show as "confirmed" ...something like this could also create a denial at some merchants. In my cases the merchant did open a trouble ticket to investigate and a day later came back with the result they found the problem and asked me to try it again and yes it worked smoothly. Unfortunately they never explained what the exact problem was but it was not the card issuer's but the payment processor's error. Good luck!

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Fri, 04 Nov 2016 02:24:36 GMT

Just to clear things up. BARCLAY messed up my address on my account. They had the Street Address line marked as my apartment number, and the Apt # line marked as my Street Address. I fixed this by flipping the way they should look which is Street Address first, then Apt # second. Today I log back in and lo-n-behold BARCLAY system reverted my address back to the original way they set it up wrong! I have an email confirming I had changed it to the correct order with Street First and APT# second but their system still fails.

Secondly, I did not and will not setup an account with Paypal. I got burned by them long ago when someone placed an order from my small online business of 10 ipod touches and the credit card cleared and the funds cleared to my paypal and then on to my bank account but the person who had bought them from me had used a stolen card and I had already shipped the merchandise upon the funds clearing to my account. Then paypal put it all on me! they went after ME. I hate paypal and will NEVER use them again in my life.

HOWEVER, Paypal in this story is nothing other than the PAYMENT PROCESSOR. I did not make a purchase on Ebay or anything that I would know to be related to Paypal. I placed an order through my employer for our products on our website. (Mod Cut-Im sorry solicitation of any kind is taboo on myFico) As much as you say don't blame Barclay...the finger all points back to BARCLAY because they have my address completely wrong and their system continues to revert back to the old address when i've updated the address and saved in on my user profile online. END RANT

Re: Barclay Arrival + WE MC issues!

Anonymous — Fri, 04 Nov 2016 01:29:45 GMT

MugenCivicSi83 sometimes the fix is close the account and move on. It isn't worth the heart burn if you can't find someone that actually has authority to correct a problem. Can only imagine your frustration with something so stupid yet so important.. Maybe your employer should acquire credit cards for the company and you can run the business through the company cards. Probably already thought of that.

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Fri, 04 Nov 2016 01:36:36 GMT

@Anonymous wrote:
MugenCivicSi83 sometimes the fix is close the account and move on. It isn't worth the heart burn if you can't find someone that actually has authority to correct a problem. Can only imagine your frustration with something so stupid yet so important.. Maybe your employer should acquire credit cards for the company and you can run the business through the company cards. Probably already thought of that.

yes i agree but i just got the card. It's worked for everything except that time but it will move to the back of my wallet for sure.

Re: Barclay Arrival + WE MC issues!

lg8302ch — Fri, 04 Nov 2016 02:25:12 GMT

@MugenCivicSi83 wrote:
Just to clear things up. BARCLAY messed up my address on my account. They had the Street Address line marked as my apartment number, and the Apt # line marked as my Street Address. I fixed this by flipping the way they should look which is Street Address first, then Apt # second. Today I log back in and lo-n-behold BARCLAY system reverted my address back to the original way they set it up wrong! I have an email confirming I had changed it to the correct order with Street First and APT# second but their system still fails.

Secondly, I did not and will not setup an account with Paypal. I got burned by them long ago when someone placed an order from my small online business of 10 ipod touches and the credit card cleared and the funds cleared to my paypal and then on to my bank account but the person who had bought them from me had used a stolen card and I had already shipped the merchandise upon the funds clearing to my account. Then paypal put it all on me! they went after ME. I hate paypal and will NEVER use them again in my life.

HOWEVER, Paypal in this story is nothing other than the PAYMENT PROCESSOR. I did not make a purchase on Ebay or anything that I would know to be related to Paypal. I placed an order through my employer for our products on our website. As much as you say don't blame Barclay...the finger all points back to BARCLAY because they have my address completely wrong and their system continues to revert back to the old address when i've updated the address and saved in on my user profile online. END RANT

I have the Arrival, Aviator and Sallie Mae cards from Barclays and Quicksiler from Cap1 which have my address all set up like this: name, apartment #, street, city, zip and all of them work just fine. Other cards have it the other way around street name first and then the apartment number .. but that is not the problem IMHO.

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Fri, 04 Nov 2016 02:25:41 GMT

@lg8302ch wrote:
@MugenCivicSi83 wrote:
Just to clear things up. BARCLAY messed up my address on my account. They had the Street Address line marked as my apartment number, and the Apt # line marked as my Street Address. I fixed this by flipping the way they should look which is Street Address first, then Apt # second. Today I log back in and lo-n-behold BARCLAY system reverted my address back to the original way they set it up wrong! I have an email confirming I had changed it to the correct order with Street First and APT# second but their system still fails.

Secondly, I did not and will not setup an account with Paypal. I got burned by them long ago when someone placed an order from my small online business of 10 ipod touches and the credit card cleared and the funds cleared to my paypal and then on to my bank account but the person who had bought them from me had used a stolen card and I had already shipped the merchandise upon the funds clearing to my account. Then paypal put it all on me! they went after ME. I hate paypal and will NEVER use them again in my life.

HOWEVER, Paypal in this story is nothing other than the PAYMENT PROCESSOR. I did not make a purchase on Ebay or anything that I would know to be related to Paypal. I placed an order through my employer for our products on our website As much as you say don't blame Barclay...the finger all points back to BARCLAY because they have my address completely wrong and their system continues to revert back to the old address when i've updated the address and saved in on my user profile online. END RANT
I have the Arrival, Aviator and Sallie Mae cards from Barclays and Quicksiler from Cap1 which have my address all set up like this: name, apartment #, street, city, zip and all of them work just fine. Other cards have it the other way around street name first and then the apartment number .. but that is not the problem IMHO.

How is it not a problem when an AVS Street match comes back negative and when i'm entering my order online i ALWAYS put my street address in the FIRST line, and the second line I put the APT#.... i guess i'm missing something somewhere.... please enlighten me on what it is please

Re: Barclay Arrival + WE MC issues!

lg8302ch — Fri, 04 Nov 2016 01:59:43 GMT

Use your Arrival card with another merchant and you will see it will work just fine. And for this purchase now grab another card and see what happens then.

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Fri, 04 Nov 2016 02:05:54 GMT

@lg8302ch wrote:
Use your Arrival card with another merchant and you will see it will work just fine. And for this purchase now grab another card and see what happens then.

It has worked perfectly for all other merchants...it just so happens it doesn't like my employer. But my AMEX worked perfectly with my employers website.

Re: Barclay Arrival + WE MC issues!

UncleB — Fri, 04 Nov 2016 02:36:00 GMT

I'm genuinely sorry you're having this problem.

There are some good ideas on here so far, but honestly unless you've just got tons of time on your hands it might be simpler to make a mental note that this card doesn't work with vendors who use Paypal processors in some instances, and move on.

I've had issues with various cards from time-to-time... from inexplicable declines to double authorizations, and sometimes that's just the nature of the beast. This is why I always carry at least two cards (usually more, but at least two) - if there's a problem with one, I simply present the second card and continue on my way. Since you mention that this is the only time you've had the issue with this card I'm thinking this isn't going to be a problem you'll have to deal with often.

I'm not discounting your frustration at all... I'm a bit of a perfectionist at times, and it annoys me severely when things aren't exactly the way I know they should be (especially if I have already corrected it previously). It's just that sometimes the pursuit of a remedy for something like this isn't worth the trouble you must go to (even if they finally get it worked out).

If the card is has value to you outside of this one scenario I would hang on to it, otherwise you can always close it (like for example, if you applied for the card just for this purpose).

All that being said, if you do want to pursue the address issue with Barclays, I would start by checking with the USPS website to see how they say your address should 'officially' be listed on your mail. Many bulk mailers (including most credit card companies) scrub their customer's address against this database and automatically 'fix' any non-standard customer provided addresses - actually to gain access to the 'bulk' postage rate standardization is generally required. If the USPS data is different from what Barclay's is using that would at least be a starting point for your discussion with them if you choose to pursue it.

Here's a direct link to see the exact address format you should be using: https://tools.usps.com/go/ZipLookupAction_input

Good luck whatever you decide.

Re: Barclay Arrival + WE MC issues!

MugenCivicSi83 — Fri, 04 Nov 2016 17:58:57 GMT

@UncleB wrote:
I'm genuinely sorry you're having this problem.

There are some good ideas on here so far, but honestly unless you've just got tons of time on your hands it might be simpler to make a mental note that this card doesn't work with vendors who use Paypal processors in some instances, and move on.

I've had issues with various cards from time-to-time... from inexplicable declines to double authorizations, and sometimes that's just the nature of the beast. This is why I always carry at least two cards (usually more, but at least two) - if there's a problem with one, I simply present the second card and continue on my way. Since you mention that this is the only time you've had the issue with this card I'm thinking this isn't going to be a problem you'll have to deal with often.

I'm not discounting your frustration at all... I'm a bit of a perfectionist at times, and it annoys me severely when things aren't exactly the way I know they should be (especially if I have already corrected it previously). It's just that sometimes the pursuit of a remedy for something like this isn't worth the trouble you must go to (even if they finally get it worked out).

If the card is has value to you outside of this one scenario I would hang on to it, otherwise you can always close it (like for example, if you applied for the card just for this purpose).

All that being said, if you do want to pursue the address issue with Barclays, I would start by checking with the USPS website to see how they say your address should 'officially' be listed on your mail. Many bulk mailers (including most credit card companies) scrub their customer's address against this database and automatically 'fix' any non-standard customer provided addresses - actually to gain access to the 'bulk' postage rate standardization is generally required. If the USPS data is different from what Barclay's is using that would at least be a starting point for your discussion with them if you choose to pursue it.

Here's a direct link to see the exact address format you should be using: https://tools.usps.com/go/ZipLookupAction_input

Good luck whatever you decide.

I agree with you. It was just shocking to me. I've had no problems otherwise. I was just being overly worried as someone stole my Chase Freedom card without actually stealing the physical card this past weekend to buy gas over 2,000 miles away in florida.

Re: Barclay Arrival + WE MC issues!

Credit_hawk — Fri, 04 Nov 2016 19:39:24 GMT

Never worry about pending charges. There's a reason there are normally disclaimers regarding pending charges with most banks. Don't panic until it posts incorrectly.

Re: Barclay Arrival + WE MC issues!

trant3 — Sat, 05 Nov 2016 01:11:24 GMT

As the the charges were declined by your employors website, all charges were just "holds". Why stress about holds unless they actually post??

Re: Barclay Arrival + WE MC issues!

Anonymous — Sat, 05 Nov 2016 11:11:23 GMT

@UncleB wrote:
I'm genuinely sorry you're having this problem.

There are some good ideas on here so far, but honestly unless you've just got tons of time on your hands it might be simpler to make a mental note that this card doesn't work with vendors who use Paypal processors in some instances, and move on.

I've had issues with various cards from time-to-time... from inexplicable declines to double authorizations, and sometimes that's just the nature of the beast. This is why I always carry at least two cards (usually more, but at least two) - if there's a problem with one, I simply present the second card and continue on my way. Since you mention that this is the only time you've had the issue with this card I'm thinking this isn't going to be a problem you'll have to deal with often.

I'm not discounting your frustration at all... I'm a bit of a perfectionist at times, and it annoys me severely when things aren't exactly the way I know they should be (especially if I have already corrected it previously). It's just that sometimes the pursuit of a remedy for something like this isn't worth the trouble you must go to (even if they finally get it worked out).

If the card is has value to you outside of this one scenario I would hang on to it, otherwise you can always close it (like for example, if you applied for the card just for this purpose).

All that being said, if you do want to pursue the address issue with Barclays, I would start by checking with the USPS website to see how they say your address should 'officially' be listed on your mail. Many bulk mailers (including most credit card companies) scrub their customer's address against this database and automatically 'fix' any non-standard customer provided addresses - actually to gain access to the 'bulk' postage rate standardization is generally required. If the USPS data is different from what Barclay's is using that would at least be a starting point for your discussion with them if you choose to pursue it.

Here's a direct link to see the exact address format you should be using: https://tools.usps.com/go/ZipLookupAction_input

Good luck whatever you decide.

+100 Almost word for word what I was going to say. ....I actually had to get the post office to correct my old address in their database so it would stop putting the street direction first...

AVS for "normal" payment processors typically only match Zip Code. If the processor in this case is PayPal / PayPal Merchant Processor then it may have been set with a stricter AVS match requirement (i.e. full address) but this is typically only for "high risk merchants" like ...Telemarketers, Adult Websites, etc...

I'd call and have Barclay Rep put in the address how it should be and ask the rep if there is a way they can override the suggested address correction from the database.

Re: Barclay Arrival + WE MC issues!

AverageJoesCredit — Sat, 05 Nov 2016 11:20:51 GMT

My address drives me bonkers . I guess this is why i have some headaches with my cras. I write it one way while some of my creditors have it another. Always seem to get my mail fine but for sake of the CRA's, i gotta figure out how to get everyone on one version lol. Anyone with ideas you csn pm if youd like. Lol, sorry mugen for all the frustration. Hope you get this issue worked out.