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.
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. 
@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.
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.
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.
EX819 1HP|TU797 1HP| EQ(Fico8 BankCard)841
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
@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.