Consumer complaint received 2018-10-21
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a letter in a first-classmail, postage-prepaid envelope, saying the sending company received an application for a credit card. The return address is : Barclays XXXX. XXXX XXXX XXXX, DE XXXX Aside from the fact that I did not apply for their credit card, this address is out-of-state. They also chose to attach the optional four digits of a ZIP code in the recipient address, but these four digits do not match those of my actual address. Immediately below the recipient address is a USPS Intelligent Mail barcode, which contains the same false extra digits encrypted. On the center right is a XXXX XXXX code that gives a 16-digit number when decoded. A little over two inches above, a small six-digit number beginning with a " 0 '', followed by " 1/1 '', is written and rotated 270 to fit in the letter 's right margin. On the left margin ( also rotated 270 degrees is a six-digit string, with three capital letters and three numerals. There is also, of course, the alleged company Barclays ' letterhead in the top-right corner, with a leftward-looking eagle silhouette logo to the left of the company name. 

The letter reads as follows ( personal information redacted ) : " Application : [ 8-digit number ] " XX/XX/2018 " Regarding Your Application for the Barclays Visa with XXXX XXXX " Dear [ first and last name in all caps ], " Thank you for your recent application for the Barclays Credit Card. 

" We have reviewed your application and determined that additional information is needed before we can process your request. 

" - Please send a copy of the front and back side of the following documents : " - Your Drivers License/State ID, Social Security card, and a current original utility bill or bank statement with your name and address. 

" Please respond within 30 days of the date of this letter by sending the requested documentation to the address below. If we do not receive a response within 30 days we will be unable to give your application further consideration. 

" Card Services " XXXX. XXXX XXXX " XXXX, DE XXXX " We looking forward to hearing from you to complete the processing of your application. 

" Sincerely, " Barclays '' [ no signature ] In smaller print : " NOTICE : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Barclays is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington , DC  XXXX. 
" The Barclays Credit Card is issued by Barclays Bank Delaware, XXXX. XXXX XXXX, XXXX DE 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