Consumer complaint received 2016-10-24
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The following is a letter sent to the credit card company in question. It summarizes our dilemma in attempting to resolve our problem. Even after several attempts to sever any ties with this company and to make it clear that we do not wish to possess their product they continue to send us billing notices. My wife and I are senior citizens ( XXXX & XXXX yrs ) and frankly are not as adept at dealing with such issues as perhaps we should be. We need your assistance to resolve this problem and will be greatly appreciative for any help you can provide. 



XXXX XXXX XXXX XXXX, HI XXXX Frontier Airlines Master Card XXXX, CA XXXX Dear Sir/Madam, Roughly two months ago my wife and I had the opportunity to fly from XXXX to XXXX via Frontier Airlines. During this flight we were given printed material encouraging us to obtain Frontier Airlines Master Cards. We filled out a questionnaire handout expecting to receive more information and to be able make a final formal card-in-hand activation commitment via telephone or Internet connection. 

Your company sent us a billing notice before we received your credit cards or additional information. This seemed unusual. I called your office to say that we decided not to become Frontier Airlines Master Card customers and directed that no cards be sent to us. Shortly thereafter unactivated Master Cards arrived in the mail. We took no action to activate the cards and destroyed them. Again, we were notified that we were being charged an annual fee for the cards in question. I immediately called your company and firmly stated that we had no intention of becoming Frontier Airlines Master Card customers, that we had not formally activated the cards in question, no charges had been incurred with the card, the cards had been destroyed and that we wished to be removed from any connection with the cards. I was assured that the matter would be corrected. 

We have received two mores notice that we are being charged a fee for the cards in question - even though we had never formally activated the cards, no charges had been incurred, and your assurances the issue had been resolved. As per past exchanges : ( 1 ) The cards in question have never been formally activated. ( 2 ) The cards were physically destroyed. ( 3 ) No charges have ever been made to the cards in question. ( 4 ) We have never claimed or received bonus points for the use of the cards in question or any other form of awards. 

My wife and I are senior citizens ( XXXX & XXXX yrs old ). We are retired and live a very modest lifestyle. This issue has caused us considerable stress. We have always paid legitimate bills and maintain a positive credit rating. We have attempted to positively resolve this issue, but it seems that your company insists that we pay for a service we have never used and benefits we have never received. I again respectfully request that all charges related to the cards in question be removed without negatively affecting our credit rating. 

Sincerely, XXXX XXXX XXXX XXXX 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