Consumer complaint received 2021-07-01
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
See attached legal paper. 



I swear that the following is true. 
1. Defendant owes me {$100.00} for the claim in paragraph 2.

plus the filing fee of {$60.00} plus OCAP document fee {$20.00} plus an estimated service fee of {$200.00} for a total of : {$380.00} plus prejudgment interest, if qualified for prejudgment interest.

2. The events happened on XX/XX/2021. My claim is based on the following facts.

1. The defendant operates a credit card named Upromise.

2. The plaintiff owns this card probably more than 10 years. 
3. In XXXX, the defendant sent the plaintiff a promotion rate convenience check book. 
4. The plaintiff wrote a {$6500.00} check to myself and deposited into a XXXXXXXX XXXX account. And the check bounced. 
5. Called the defendant on XX/XX/2021, was told the check only can be used to pay other credit card. 
6. Checked the checks received, it says " You may also be able to transfer funds from your available credit directly into your checking account. '' XX/XX/2021 Small Claims Affidavit and Summons Page 1 7. Called the defendant several times and was handed up several times, usually after waiting in the line for more than 60 minutes. Finally reached an oversea call center the plaintiff was able to leave a note in his account that the plaintiff called that day and seeking a solution. The operator is named XXXX. It was XX/XX/2021. 
8. Late on the plaintiff was able to use the same convenience checks to make two balance transfers to the plaintiff 's checking account, indicating the check has no problem to be deposited into a checking account. The two transfers totaled more than {$6500.00}, indicating the plaintiff had enough credit to make the first transfer attempt on XX/XX/2021. It is not true that the defendant claimed that those checks are only good for balance transfer to other credit cards.

9. Then the defendant insisted my mailing address is wrong and changed my mailing address. The plaintiff changed the mailing address back on XX/XX/2021. There is nothing wrong in the mailing address. It is a technique the defendant used to avoid responsibility. 
10. The plaintiff will seek a payment to offset a check bouncing fee charged by XXXX bank that is {$12.00} on XX/XX/2021 XXXX. The plaintiff will seek a {$88.00} for my time wasted on this issue.

12. The plaintiff will seek a {$80.00} filing fee for this case.

13. The plaintiff will seek a {$200.00} return of service fee for summon delivery.

14. The plaintiff seek a total damage of {$380.00}.

15. The plaintiff will seek possible more damages that come in the future.

3. The events happened within the jurisdiction of the court.

4. I am not suing a government entity. I am not suing a government employee for the employees on-the-job conduct.

5. I am not suing on a claim that has been assigned to me. 
I declare under criminal penalty under the law of Utah that everything stated in this document is true. Signed at : XXXX, Utah XX/XX/2021 Signature Date XXXX XXXX

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