Consumer complaint received 2021-08-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Recently on a vacation in XXXX XXXX, NV ( Thursday, XX/XX/XXXX - Sunday, XX/XX/XXXX ) we stayed at XXXX XXXX XXXX using trial timeshare points I had purchased in XXXX thruough XXXX XXXX program. After check in on Thursday evening I was told that in order for our accommodations to remain free ', I had to attend an owner update presentation ( They tell us about how things have changed with the company and try to get us to purchase. Its a sales pitch. ) We scheduled the owner update meeting for Friday, XX/XX/XXXX at XXXX. My fianc ( XXXX XXXX ) went with me to the meeting on Friday & at around XXXX our sales representative ( XXXX ) came to get us. After introductions I informed him that we were only doing the presentation because we were told we had to we had no interest in buying. He said he completely understood but he still had to make his sales pitch, so he did so. Halfway through the meeting he brought out his tablet & asked us to insert our Social Security numbers 3 times & sign inside a signature box 3 times. When asked why he told us that it was for a confirmation of our identity to prove that were really who we said we were. I signed & put my SSN in ONLY because he told me that it was just proof of who will our identities and then I asked him why XXXX had to sign because he has nothing to do with the Wyndham company ( I was the only one who purchased the trial timeshare points back in XXXX. ) XXXX said that he needed both of us to sign to confirm both of our identities. 

Now I want to provide some clarity.When I say that we entered our SSNs & signed on the tablet there was no wording or verbage at all on the page of the tablet. He never showed us a scrolling contract that we were applying for anything or that we were giving consent to our credits being ran. The boxes were blank on the SSN page it was just the 2 dashes separating the 8 digit SSN. No words on the page just the dashes & a number pad. On the page for the signature it was just a blank box & he told us to sign within the box. Once again, no verbage or fine print whatsoever explaining that they would be running our credit.

So after the meeting we still told him that we werent interested in purchasing anything he said we were all set & that we could leave. 

On Monday, XX/XX/XXXX XXXX & I had 2 letters each. One set of letters was from Barclays Bank saying that had applied for a Wyndham Rewards Earner Card & they provided us with our consumer reporting agency information & our credit scores. The 2nd set was from XXXX XXXX Bank to thank us for our recent applications for a vacation club credit account. We never applied for any of these & we knew nothing about it until we received the letters. I called the credit reporting agencies & XXXX  & XXXX  had 2-4 inquiries between both agencies. I contacted the XXXX & I spoke to Director of Marketing Sales XXXX ( XXXX is his last name I think ) at XXXX XXXX I explained & asked him to provide us with letters to give to XXXX  & XXXX  to remove the hard inquiries from our credit reports. He said he wont provide us with those papers. He's refusing to help us at all even after we were deceived. After further research I have gone through reviews of XXXX by Wyndham on different platforms & through the XXXX XXXX XXXX complaints of the company & we are not the first people that this has happened to they have done the same thing to many other people.

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