Consumer complaint received 2016-09-28
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XX/XX/XXXX-XX/XX/2016, my husband and I were celebrating our XXXX Wedding Anniversary at XXXX, VA. While there, we were approached by a young man who asked us if we would be willing to make an appointment to listen to XXXX XXXX XXXX tell us about their XXXX XXXX. We made to appointment for XX/XX/2016. During the appointment we were that it would take about 90 minutes with no obligation to purchase. 

At the being the young man who was conducting our presentation said that he needed our Social Security Numbers. I immediately asked what for. He told us that these tours are pretty expensive for XXXX XXXX XXXX to conduct, so basically they do n't want to waste their time if we would n't actually be able to qualify to purchase if we decided we wanted to. I quickly told him that I did not want him to do a hard pull on my credit. He assured me that it would be a soft inquiry that would be harmful to my credit score and that if we decided to purchase, he would go from there. I was very concerned about this and asked him 4 different times if doing this would in any way obligate us to anything. He said no, we would not be authorizing them to purchase or apply for ANYHING!!! 

After listening to their sales pitch for 3 hours and touring one of their condos, we decided that we were not interested in purchasing. When we came back from the tour, the young man 's boss came to the table all excited saying that I was highly qualified credit wise and tried to convince me to buy. We told them we were n't interested and that we were finished with the presentation. 

Finally, a lady came over who I guess was the exit interview person. She tried again to convince us also. She told us that we could use our {$14000.00} credit card to pay for a portion of it. I quickly told her that we did not have a {$14000.00} credit card and if we did, we would not use it because we are not interested. She went on to tell me that I did indeed have {$14000.00} Barclay Card ( Master Card ) that I was just approved for. I got completely upset and asked her what in the world was she talking about. I expressed to her that in no uncertain terms had not applied for any such thing. She said I did. I became really irate and told I DID NOT!!! 

She apologized and said that she did not know what I was told during my presentation, but that I was going to have a Barclay Card ( Mastercard ) coming to my house. She tried to explain to me that it was a really good credit card. I told her I was refusing the card, but she said that I would definitely be receiving it in the mail. 

I immediately signed the papers she gave me saying that I was not purchasing anything. The lady was really apologetic and told me the Lord would not allow them to prosper at my expensive. She said God Bless You and we left. 

Last Saturday, XXXX/XXXX/16 I received the Barclaycard Mastercard in the mail. On XXXX/XXXX/16 I filed complaints with all XXXX credit bureaus. I know that I could close this account on my own, but that would negatively affect my FICO credit score. 

The bottom line is that I DO NOT want this credit card and certainly do n't need it. I have other credit cards at a far, far better interest rate than this lousy 19.24 % Barclay Mastercard that was fraudulently issued to me without my knowledge. I 'm not sure how XXXX XXXX XXXX can get away with doing such a fraudulent thing. 
It would be greatly appreciated if the Consumer Financial Protection Bureau could help me resolve this situation by forcing Barclays Bank Delaware to take this credit card back and remove it from my credit report. It is totally unfair for anyone to be forced to accept a credit card that they did not knowingly apply for.

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