BARCLAYS BANK DELAWARE

2018-03-03

Bronx, NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-03-03

Burlingame, CA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I HAVE BEEN XXXX WEEK OR TWO CELEBRATING WITH MY PARENTS AND SISTERS ON XXXX FOR YEARS. I HAD A XXXX AIRLINES MILEAGE ACCOUNT FOR A FEW YEARS. THEN ON ONE FLIGHT I WAS OFFERED MANY MILES TO OPEN A XXXX XXXX ELITE CARD, SO I DID BEFORE LANDING. UNFORTUNATELY, THE TWO XXXX AIRLINES MILEAGE ACCOUNTS ARE IN 2 VERSIONS OF MY NAME AND NEITHER XXXX AIRLINES NOR BARCLAYS BANK WILL FIX IT. PLUS THEY SAY MY ACCOUNT IS " INCOMPLETE '' WITH 2 MILEAGE ACCOUNTS AND THUS I AM UNABLE TO USE ANY OF THE ACCUMULATED MILES! I HAVE TRIED FOR 3 YEARS TO GET THESE XXXX XXXX MILEAGE ACCOUNTS, ONE WITH BARCLAYS BANK, MERGED WITH ZERO SUCCESS, THO I HAVE DONE EVERYTHING THEY TOLD ME TO DO FROM FAX AN OFFICE NOT RECEIVING FAXES, TO EMAIL AN OFFICE NOT ANSWERING EMAILS TO CALLING VARIOUS PEOPLE WHO CAN NOT FIX THIS SIMPLE PROBLEM. THIS LAST XXXX WEEK ON XXXX AT XXXX XXXX ( THEY HAVE A GREAT WEBCAM IF YOU NEED A CHEER ) XXXX XXXX XXXX, I TRIED FOR A COUPLE HOURS FOR 2 DAYS AND GOT THE RUN AROUND, EVEN INVOLVING THE RESORT DESK CLERK FOR AN HOUR ON SENDING FAXES THAT WOULD NOT BE RECEIVED! MY BARCLAYS CREDIT CARD IS FOR " XXXX XXXX XXXX '', XXXX XXXX XXXX XXXX. AND TO TOP IT OFF, BARCLAYS ANSWERS THE NUMBER ON THE BACK OF THE XXXX AIRLINES MILEAGE CREDIT CARD AS " XXXX AIRLINES ''! OUTRIGHT XXXX. EACH XXXX I AM OFFERED AN UPGRADE TO FIRST CLASS SEATING FOR XXXX MILES, OR OVER {$400.00}. I CAN NOT USE MY MILES AND THIS LAST XXXX THE COACH TICKET WAS OVER {$1100.00}. I FEEL XXXX AND XXXX IN CAHOOTS OWE ME FIRST CLASS SEATING FOR MY NEXT ONCE A YEAR TRIP, AT XXXX MILES, WITHOUT HASSLE. THEIR MAINTAINING OF 2 ACCOUNTS IS TOTALLY THEIR FAULT AND RESPONSIBILITY AND XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-03-02

Lewisville, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: On XX/XX/2018, i applied to credit card from XXXX. I did not recived any result at that time. Result was going to be mailed to my address in 60 days. But i did not received anything from XXXX yet. I tried reaching out to customer support but was going to a automated voice system giving me the same information as result will be mailed to you. I am not able to speak to a real person from XXXX yet. Want to dispute this enquiry from XXXX from my credit reports. Credit enquiry from : Institution Information XXXX XXXX, DE XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Honaunau, HI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Berthoud, CO

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX XXXX XXXX XXXX XXXX Credit Card was closed on XX/XX/XXXX from a Chapter XXXX bankruptcy. XXXX XXXX is only Credit reporting agency to correctly report on my Credit report. XXXX XXXX is claiming that my account was charged off in the amount of {$7500.00} and is currently holding a balance when in fact the account was closed during my bankruptcy. To my knowledge this account is the same number as submitted with my bankruptcy, if it was not closed then someone other than myself has opened this Credit card in my name. I have sent letters to XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX trying to get this taken off my credit report but they keep saying that it was confirmed with no evidence of validation of competent evidence bearing my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Ferryville, WI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: Recently I obtained a free credit report on my social security number and I discovered on it a fraudulent individual revolving flexible spending card account opened with Barclays bank Delaware on XX/XX/XXXX.High limit on the account is {$4000.00}, balance amount {$16.00}, balance date XX/XX/XXXX, monthly payment of {$8.00}. The account status : Late 30days, amount due : {$3.00}. There is a comment that stated : '' OPEN ACCOUNT.ACCOUNT 30DAYS PAST DUE. DATE LAST REPORTED DELINQUENCIES : XX/XX/XXXX=R2 LAST PAID:XX/XX/XXXX. I did not open this account and never received a bank statement on this account or from this bank. I am requesting that this account be closed for starter, then investigated and removed from my credit report because I am not responsible for opening or managing this account. Here is my dilemma, I called the bank to complain about this credit reporting as fraudulent but they can not recognize me as a customer and will not listen to me since I do not exist in their database and I don't have an account number they recognize. so how can I ever get this bank to investigate this issue originating from me. I will like the to close this account before further damage is done to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

W Long Branch, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

IL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Please note that this complaint was filed on XX/XX/XXXX under your reference XXXX and was closed because the respondant falsely claimed it was a duplicate. It is NOT. It bears some similarity to a situation you resolved that happened about a year ago, but that case began many months earlier and in another country. Please immediate reinstate this valid claim. On XX/XX/XXXX, I prepaid a car rental with XXXX for a small car offer as from XXXX. When I arrived at XXXX XXXX XXXX XXXX in XXXX, I found that XXXX was represented by XXXX XXXX. I experienced a bait and switch fraud, with the false claim that there were no small cars available despite the fact that I had reserved the car over five months in advance and despite the fact that their lot was filled with small cars. I'm XXXX, suffering from XXXX XXXX and had about seventy pounds of luggage. Under duress, I was forced to accept a large vehicle with no working low beam headlights and with a faulty navigation system ( despite the fact that I had my own. ) They displayed no willingness to refund my prepayment as an alternative, and of course that would also have left me with high rates for no reservation. After returning the car in good order, I found a charge on my credit card for {$120000.00}. XXXX XXXX, XXXX, and XXXX, provided me with positively no explantion for these charges despite requests, do I contested the charges with XXXX. They provisionally removed the charges then recently reistated the charges with very little accounting or verification from XXXX XXXX. I have since re-contested the charges, but to date with no resolution. The following letter to them cites a number of facts and documentation on bait and switch by the parties mentioned : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Billing Dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX Case Ref. No. XXXX Dear Sirs : Please immediate and permanently remove the XXXX XXXX charge of {$1200.00}. I have tried in vain to get a full accounting for this illegal charge for over ninety days. You reversed your suspension without any detailed accounting for the charge and I have received none from XXXX XXXX despite repeated requests. There is no justification for this charge nor was there any agreement on my part. Under rules of the account agreement, you are therefore obligated to permanently remove this charge. Thank you for the documentation you supplied of the illegal bait and switch engaged in by XXXX XXXX in collusion with XXXX and XXXX XXXX XXXX. I am passing that evidence on to the XXXX XXXX XXXX and to the Illinois Attorney General. When I arrived at XXXX XXXX XXXX XXXX to pick up my prepaid rental car, I was directed to XXXX XXXX as representative of XXXX, in whose name the car was prepaid. Under duress, I was forced to accept a larger car than I had not booked or wanted, and no refund alternative proffered. I am XXXX years old, had considerable luggage, and was suffering from XXXX XXXX. They claimed no small car was available, despite the fact that I had prepaid for one over five months earlier and despite the fact that their lot was FULL of much smaller cars during a down season. The car I received was in poor working order. Low beam headlights didnt work and the navigation system, didnt fully function. I didnt want a navigation system and fortunately had my own to use. There was positively no justification for the switch and the car should not have been rented. Here are references to their ongoing bait and switch scam : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In the event that you choose not to honor the card agreement by removing this charge, I will of course be forced to file against you and other parties concerned in my local small claims court. This bait and switch fraud and charges associated with it are clearly illegal under the internationally recognized Uniform Commercial Code, US Law, Illinois Law, and XXXX Law. Sincerely, XXXX XXXX XXXX XXXX cc : Illinois Attorney General Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Please help me get these charges immediately removed and please take steps to stop this illegal bait and switch fraud by the parties mention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

KY

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: My complaint is with my credit card company XXXX XXXX thru XXXX XXXX that continued to pay monthly charges for products that was returned and cancelled with the fraudulent company by letter of cancellation on XX/XX/XXXX. I had tried numerous times to contact the company by phone but was unable to ever talk to anyone so the only resort I had was a written cancellation. I have talked several times with the credit card company and they would put the items in dispute but would deny the dispute because I did not cancel by phone. Each time interest and service charges and other charges were added to the account. I have talked numerous times to the credit card and each time to no avail as any help or resolution on this matter. I called them yesterday XX/XX/XXXX to try to come to a compromise and was informed that this account has been turned over to a collection agency. I have had excellent credit and do not want this score lowered because of this issue. I can Mail all copies pertaining to this issue if they are needed. Just let me know. My scanner is not working at present time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Fullerton, CA

Closing your account

Credit card or prepaid card: General-purpose credit card or charge card

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

Harrisburg, VA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-02

HI

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: We had been told by Barclays that that we had deferred interest if we made a purchase from XXXX. We need to respond to the email or call if we wanted this offer. We replayed to email, now we are being charged interest. And was told by a customer representative that we never request this offer so we are being charged 24 % interest on purchase attach is email from Barclays and at bottom our request for deferred interest offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-03-01

Nashville, TN

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with rewards from credit card
Complaint: I flew to XXXX XXXX on XXXX XXXX on Friday XX/XX/XXXX and flew back to XXXX on Monday XX/XX/XXXX. On the way back the flight attendant made a pitch, like they normally do on a XXXX flight, for passengers to sign up for the Barclays XXXX XXXX credit card. She said that if we filled out the application that she was giving out on the plane instead of going online and filling it out we would receive 50,000 bonus miles as long as we made {$500.00} worth of purchases in the first 90 days of having the card and paid the annual fee. So I filled out the application, got approved, and got my card in the mail a few weeks later. I charged over {$500.00} my first month and my second month and about {$300.00} my 3rd month and paid the balances off in full every month so I qualified for the bonus miles after the first month. My bonus miles never appeared on my statement or online. I have another Barclays card so they both showed up on the barclays site but my miles did not show up on the Barclays site i go to pay my bills or the XXXX site where they should be and where i go to book travel via XXXX. I made several calls to XXXX to ask why my miles did not show up. On XX/XX/XXXX the Customer Service Rep explained to me that my miles were there but were just attached to my other Barclays card. Sounded reasonable so i thanked him but when i went to the Barclays site the next day they were not there. It was just the points I had accrued using that card. So I called again to XXXX XXXX customer service on XX/XX/XXXX and finally the rep acknowledged that the miles were not there and transferred me to someone in another department and said that my 40,000 bonus miles would be taken care of plus the miles from the purchases i had made on that card since i got it. So after talking to the CSR who was supposed to help me she said she took care of it and now they should show up. I thanked her but told her that I should have gotten 50,000 miles per the offer the flight attendant gave on the XXXX flight from XXXX when I applied for the card. She said sorry there is nothing she can do about that, the offer is only good for 40,000 whether applied for online or on the plane. So .... after trying to get my miles to even post for over 3 months they are finally there minus the 10,000 miles we were all promised on the plane. For what it is worth I am not the only person who filled out an application that day and i can give the XXXX ref # for that flight in case someone who filled out the application can be reached out to and asked what the verbal offer was. Feel duped into applying for the card and had to work WAY too hard for my miles to even post. After using these miles i will be cancelling this card. Thank you for hearing me out and feel free to reach out to me : XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-03-01

Bedford, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-01

Asheville, NC

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: On XX/XX/2018 I called XXXX XXXX XXXX Number about a minor issue with my XXXX and immediately called the first number that popped up. I did not even think to question if this was an official XXXX number or not. They sounded official. They told me that critical data was being transferred from my phone to a second computer, located in XXXX, and that I needed to buy an XXXX XXXX gift card for {$100.00}, for which they would immediately refund me the money, in order to properly restore my phone from being hacked. I followed suit and went to XXXX ( where they told me to go ) to buy an XXXX XXXX gift card for {$100.00}. When I read them the number, they said that they were having a minor problem and that their {$100.00} server was not working and that I needed to buy two {$50.00} gift cards, for which I would immediately be refunded the {$200.00}. I followed suit. Then, they proceeded to tell me that they went through but that the cards were expired that I needed to get more gift cards for the total amount that I had previously paid. Then, they proceeded to tell that all the cards at that XXXX located were " old '' cards and that I needed to go to another XXXX location. It made sense because this XXXX was very old. At this point I was transferred to the top billing specialist with XXXX. At the second XXXX, he told that XXXX XXXX gift cards were no longer working with their system, that this had never happened before, and that I needed to buy XXXX XXXX cards. Then, he told me that XXXX stores were not working with their system and that I needed to go to XXXX. Each time, he sounded official, convincing, and like what he was saying was believable. Also, each times the gift cards did not work, he said that he would compensate me for all of my time and money, which went from {$100.00}, to {$200.00}, to {$500.00}, to {$800.00}, because each time I bought more gift cards I had to buy the total amount of everything I had previously bought in order for it to work with their system and for my money to be refunded. In total, I spent {$1800.00} dollars with my XXXX XXXX through XXXX XXXX and {$1200.00} dollars with my XXXX XXXX XXXX through Barclays Bank. All were spent on {$50.00}, {$100.00}, or {$500.00} gift cards for XXXX XXXX or XXXX XXXX at two different XXXX and two different XXXX stores. I immediately called both XXXX stores and XXXX and they told me that I needed to contact XXXX XXXX and XXXX XXXX themselves, which I did. Because the gift cards were immediately used, they said they had no recourse for me. I then filed a police report and a report with the FTC, as well as the Consumer Protection Agency of North Carolina. I didn't question the fact that they sounded like they were from a call center in XXXX, and of course asked them were they were located, which they said XXXX. He told me that he was in contact with the top XXXX official and that if he didn't get me my money back that he would lose his job, so he needed to make sure that that happened. I XXXX the two numbers they used to call me, and that I used to call them on XX/XX/2018 and they came up that they were fraudulent XXXX numbers. Someone had recently tried to sign into my XXXX account fraudulently, and I downloaded a virus onto my computer and had recently had someone hack into it, and was also talking to a call center in XXXX with XXXX about the situation ; thus I did not think anything of this. I am hoping that I will be granted Mercy, understanding that if these previous situations hadn't happened to me, I would not have been susceptible to this one. I am a struggling college student, getting my degree to be a XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-01

Lowell, AR

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Dispute is with Barclays Bank Delaware Upromise credit card. I Purchased a deposit for a sailboat charter XX/XX/XXXX for {$940.00} with balance completed on XX/XX/XXXX of {$2900.00} totaling {$3800.00}. Charter was cancelled due to hurricane Irma and merchant did not want to refund so credit card company credited account on XX/XX/XXXX. Merchant ended up refunding {$3800.00} on XX/XX/XXXX so account was overfunded. XX/XX/XXXX credit card company rebilled {$3800.00} balancing the account. XX/XX/XXXX credit card company rebilled again but the amount of {$2900.00} and then credited back the amount {$2900.00} on XX/XX/XXXX once again balancing account. XX/XX/XXXX the account was credited again for the amount of {$2900.00} leaving the account overfunded. On XX/XX/XXXX the account was billed not once but two separate charges of {$2900.00} totaling {$5800.00} leaving the account negative {$2900.00}. I have placed multiple calls and waited for call backs or any corrective measure to be taken. As of XX/XX/XXXX I have not had this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-02-28

TX

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Complaint: I applied for a credit card through Barclay 's Bank in XX/XX/XXXX. Due to the XXXX data breach, I had a fraud alert active on my credit record. Apparently due to the fraud alert, I received a request from Barclay 's bank for multiple documents including utility bills and copies of my Social Security Card and driver license, and perhaps others. I reasoned that the fraud alert was the source of their inability to access my credit records. Since I'm on long term reassignment from my permanent residence, it was a burden to gather all the requested documentation. Since the fraud alert was due to expire on XX/XX/XXXX, I reapplied in XXXX, thinking that would resolve the situation. On XX/XX/XXXX, I received a letter stating that my application was denied due to " too many inquiries ''. I called Barclay 's Bank and was informed that even if my fraud alert was no longer active, I would still need to supply the documentation. My credit record is exceptional and my FICO score is currently XXXX. This seems excessively burdensome for a consumer with excellent credit and their stated reason is that they had to ensure that security issues needed to be met. Is this a policy decision that can not be reconciled due to requirements under the Fair Credit Act or is this an unfair burden on the consumer? My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The Barclay 's Bank application number is XXXX with the response on XXXX. I contacted them today, XXXX XX/XX/XXXX. I do have a complaint lodged with Barclay 's Bank and was told to expect a response in 24 to 48 hours. Thank you. XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Lenoir City, TN

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Wdbg, VA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Beyersville, TX

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Hutchinson, KS

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I have a Barclay rewards card. Twice now they have lowered my available credit without notifying me. Both times they lowered the available credit to within a few hundred dollars of the amount owed causing a balance to credit limit ratio creating a negative effect on my credit. I have not used the card in over a year and have had payments taken out automatically to pay down the balance. They claim the can do this. Really? I am being punished for nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-28

Oxford, GA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

Fort Pierce, FL

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Didn't receive advertised or promotional terms
Complaint: I signed up for a new credit card and was promised XXXX bonus points for doing so. I have contacted the company on 5 different occasions and have been promised that this would be taken of. My last call on Saturday XXXX XXXX I was assured that a supervisor would contact me but no one has called me to try and correct this problem. I feel as though no one is ready to do what is right by their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2018-02-27

Chicago, IL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Was not notified of investigation status or results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-27

Kosciusko, MS

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: My request to increase the credit line for my XXXX XXXX XXXX XXXX account was denied because of high credit available on other accounts. This is available credit that I have not used because of the high interest rate associated with the available credit line. XXXX XXXX XXXX XXXX is offering 0 % interest for 12 months, so I requested a credit line increase for debt consolidation purposes. XXXX has a longstanding history of explicit discriminatory business practices. It is a standard and customary for XXXX to denied credit card applications, credit line requests, and other loans solely based on the ethnicity of the customers name and/or the racial demographics of the areas the applicants reside. I do not expect XXXX to admit to any wrongdoing. With that said, I am requesting the U.S. Justice Department and the Consumer Financial Protection Bureau to investigate the banks business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response