Consumer complaint received 2022-04-04
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
The discovery of the violation of my consumer rights was brought to my attention last year and I began attempting to resolve this issue directly with Barclay in XX/XX/XXXX, however, the violation has been confirmed in effect since XXXX. This account was Closed by the creditor with a balance in XX/XX/XXXX ; this means the existence of the online account is still active, but they have refused to comply with granting access to view statements as well as denial of requests to opt out of paperless statements. I have paid well over what I originally owed on the account as well as an unfair excess due to the unjustly imposed late fees and interest directly resulting from their refusal to abide by federal law and extreme hardship in attempting to contact customer service and/or obtain assistance when actually reached. Despite asking for Terms & Conditions several times and being told these can ONLY be mailed, they were never received. 
Attachments include summaries of a selection of calls ( demonstrating the consistent misdirection, unfulfilled requests, and downright lies and bullying by both reps and managers ) ; copies of the emails received that reps claim to meet requirements for sending statements ( Emails are ONLY notifications that my statement is ready and can only be accessed by logging into the accountwhich I cant, because they a ) refuse to provide the information required to reset the login and/or lie about how to obtain the information and b ) even if it was restored, I have been informed statement access is denied for limited online access. ) I have not been able to monitor charges by Barclay or properly manage payments for 4 years due to their deliberate refusal to provide access to statements. I have confirmed with CSRs, managers, and other cases filed that this is a KNOWN issue and deliberate ( for those that are even aware of it and not the reps that are trained with false and misleading information ). I had to assign a proxy to assist with this matter due to the severe impact on my work, limited availability to remain on hold for hours, repercussions of this taking up work hours, and extreme impact on personal time and appointments to continuously review materials and research with counselors. I have avoided making this an official case with my legal representative to try to give Barclay a chance to resolve this on their own and avoid additional expense for both parties, however, I do not believe any progress will occur without official intervention and would still like to provide them an opportunity to resolve this first. Therefore, I am requesting assistance in the enforcement of the Credit Card Accountability Responsibility and Disclosure Act of XXXX, Regulation Z, as Barclay Bank clearly continuously transgressed 226.5 ( b ) ( 2 ) ( ii ), " 21-Day Rule for Delivery of Periodic Statements '', both paper and electronically, and the Electronic Signatures in Global and National Commerce ( E-Sign ) Act, 15 U.S.C. 7001 ( c ) ( 1 ), refusal of the right to withdraw consent for electronic delivery and resume paper statements.

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