Consumer complaint received 2022-02-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was discriminated against and denied an extension of My Own Credit initially on XX/XX/XXXX. After contacting the reconsideration phone number requesting to speak to a loan manager of Barclays Bank XXXX Delaware on XX/XX/XXXX via a telephone conversation I spoke to a operator name XXXX XXXX who then transferred me to a XXXX what the operator ID of ( XXXX XXXX XXXX XXXX y p ) XXXX refuse to give me his last name, then proceeded to tell me Miss information and refer to this Consumer Financial Protection Bureau as an agency and not a bureau with limited power to do anything about the situation. He continued to tell me he could only follow the instructions of a algorithm and I needed to file a complaint with the consumer reporting agency XXXX. Our phone conversation was recorded recorded on both ends if needed for reference. 
Barclays Bank XXXX Delaware is civilly liable for discriminating against me as well as refusing to remove a hard inquiry on my Consumer Report. I know who I am as the original creditor and consumer and I should have never been denied an extension of My Own Credit and due to the negligent actions I have been discriminated against. 
I informed the operator XXXX pursuant to15 USC 1691 it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. 
Pursuant to 15 u.s.c. 1602 G the term creditor refers only to a person who both regularly extends, weather in connection with loans, sales of property, or services, or otherwise Consumer Credit. 
15 u.s.c. 1602 J the terms opened and credit plan and open end Consumer Credit plan I mean a plan under which the Creditor reasonably contemplates repeated transactions.

15 u.s.c. 1602 l the term credit card means any card, plate, coupon or other credit device existing for the purpose of obtaining money, property, labor or service on credit. 
Any consumer transaction that requires the use of a social security number / credit card pursuant to 15 u.s.c. 1602 l which is connected to a trust account within the Federal Reserve, the lender Barclays Bank XXXX Delaware used my open and planned / open in consumer credit plan pursuant to 15 u.s.c. 1602 J, which is the social security number to receive the consideration Money / credit. That is why I am the original creditor and not the borrower the lender then loans the money back to me the original creditor / consumer. The term borrower is never mentioned in any of these acts therefore none of the laws to protect the consumer, the term borrower is never used and I'm not the borrower I am the original creditor /consumer Pursuant to 15 USC 1691 1 states if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and to discriminate and determination of credit worthiness. 
I know who I am as the original creditor in consumer and I should have never been denied an extension of my own credit. After contacting the reconsideration telephone number and being discriminated against after clearly stating the laws the operator XXXX this company has caused me mental anguish and financial entry for us well for non-compliance. I

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