Consumer complaint received 2021-08-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Like many millions of others during covid I have gotten behind on my payments, not by choice but due to being out of work ; I have tried to get in touch with Barclays regarding my situation ; in the beginning I called them multiple times ; emailed and pleaded that they allow me to pay a much smaller mininal monthly amount and to please stop charging me late fees upon late fees, along with double or triple monthly charges for multiple interest charges. One of their phone agents was even surprised that upon trying to get me to negotiate a way of not getting behing with my payments Barclays declined to help me. They eventually gave me 3 months off but apon me trying to reach them to negotiate another deal with Barclays ; they refused to stop posting more late fee charges to my account plus 2-3 separate finance charges per month, and they were certainly not even willing to discuss lowering my interest rate or forgiving my debt to them altogether. Over the years I have been more than loyal to barclays and have never ever before covid missed payments, in fact when I was working I paid them back monthly of even bimontly so much more than the minimum, large monthly payments did not get me in Barclays good graces, loyalty and excellent credit for tons of years did not make a dent in their heart or equate sympathy for me as one of their customers. Not only does barclay take our money and invest and make obscene monatary gain from loyal customers but when we have a worlwide pandemic Barclays is quick to turn their back on me and not even want to accept phone calls and respond to my email pleas for their help with generic pathethic answers. Barclays and XXXX airlines would probably to chose to stomp over their customers as soon as they make a payment if the media coverage was not a threat to them. They have now as of XX/XX/2021 sent me to collections, I only found this out today, as Barclays did not inform me they have sent me to collections, they kept silent and creeped around to intent to ruin my life by ruining my credit, these creditors are allowed to ruin peoples life only because the power to do so and they choose to be evil and unkind even through tragedy. Shame on Barclays they deserve to be exposed for their underhanded horrible treatment of loyal customers. Covid and Karma  are not a drill they are real and the effects are rippling through the entire world, while kind human beings struggle to find ways to help others in need Barclays has their heart set on destroying lives like a virus. I have never stopped paying Barclays I have paid any amount I can on a monthly basis, but I assume that means nothing to them. Please help me, women in need of monetary assistance is a result of the way society has allowed companies such as Barclays to be one of the sources of horrible life changing never ending negative effects. The poor stay poor and the uber wealthy and greedy get to deal with their own day to day realization that they are also in debt to someone or something. Please help me get rid of this debt I have never intended not to pay them back once I get back on my feet financially and healthwise but I wont hold my breath as Barclays never did reward me when they used to call me one of their best customers for years, they quickly turned on me at the first sign of trouble, they did the bare minimun just save face.

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