Consumer complaint received 2023-08-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied online for the Jetblue XXXX XXXX in XXXX of XXXX ; it was approved instantly. Once I received the card, I tried to make a purchase and it was declined. I contact Barclay and was told several conflicting information regarding verification. Firstly, I was led to believe it was my phone # ( I changed my cell phone in XXXX of XXXX ). I believe they were trying to verify me using the old #. Secondly, I purchased my home in XXXX of XXXX, so I think that also was an issue. The problem with that is I update my account with the company. I have another credit card with this incompetent company. Thirdly, I was asked to submit my 1040 tax return, current utility bill and copy of my drivers license ; I did but with resistance. Finally, they received the documents but told me my 1040 form was not acceptable but I was not given a reason why. I finally told them I am done, I will not submit another document. On XX/XX/XXXX, I received an email informing me that I have a bill due in XXXX for {$99.00} from this said company. I knew it was the annual fee but why would I get charged the fee on a card that is not yet able for use? I call the company on XX/XX/XXXX to inquire about the charges, to check the status of the card, and to vent about the frustration of this poor inadequate system. I was told my social security number is the problem. Not sure how my SS is the problem, not sure if I used the wrong SS to apply for the card that was initially approved. I know it is not the SS # on Form 1040. I asked to have the {$99.00} removed and to close the account. In the conversation, the representative read a statement regarding the card I asked to close and I heard something that lead me to ask a question. Apparently, the {$99.00} was charged back in XXXX and I was not notified. The rep indicated that I selected a paperless statement ; I asked her when did I do that, especially since I was locked out of my online account in XXXX. I could not access my other account until XX/XX/XXXX after I closed the Jetblue XXXX XXXX. I was told that my password was locked. Not completely true, another rep told me I could not access my other account because of the current issue. The same steps I took on XX/XX/XXXX to access my account are the steps I took hours before calling customer service. This experience was so frustrating. This is by far the worst company and process I have ever dealt with. Why approve a credit card and then have the customer prove their identity AFTER approval? I think the {$99.00} fee charged in XXXX without a statement or without my knowledge impacted my over 800 credit score. XXXX off with that. I have dealt with this issue since XXXX. Calls got disconnected from their end and no one call back. I had to hold for over 30 minutes at times. This is simply a horrible company to do business with.

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