Consumer complaint received 2023-09-28
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX THIS COMPLAINT IS DIRECTED TO THE CONSUMER FINANCIAL PROTECTION BUREAU and SHOULD ONLY BE RESPONDED TO DIRECTLY FROM an AUTHORIZED AGENT OF THE CFPB, and NOT the RESPONDENT, BARCLAYS ' Bank. Dear Consumer Financial Protection Bureau, On XX/XX/XXXX, I received a letter from Barclays, stating that it denied my credit application that I submitted to Barclays back on XX/XX/XXXX, because when I, in good faith, exercised my right to file a consumer complaint against Barclays with the CFPB under complaint number XXXX, a year ago on XX/XX/XXXX, that I allegedly sent a copy of the CFPB complaint to Barclays at a representative 's home address and included that address as part of the complaint that I submitted through the CFPB public website on XX/XX/XXXX. These allegations are untrue. I did not send a copy of the CFPB complaint to Barclays at a representative 's home nor has there been any supporting evidence that anything was mailed to Barclays at a representative 's home. Furthermore, I had no knowledge that the address that was included in the CFPB complaint for the Dispute Advisor at Barclaycard, was that of a representative until receiving the letter from Barclays dated XX/XX/XXXX, which stated that the address was that of a Barclays representative. Nor would I have known the address for any Barclays representative, and the address for the Dispute Advisor at Barclaycard that appears under the CFPB complaint number XXXX was obtained from another public website under Barclays contact , and not for any one specific representative at Barclay. For these reasons, there were no basis to deny the application " based upon improper and unacceptable interactions '' allegedly had with a Barclays representative regarding my former Barclays account. The most that can be said is that the application was denied on the basis of my age, gender, marital status, race, color and/or for in good faith exercising my rights under State and Federal Consumer Protection laws by submitting the CFPB complaint. When I responded to Barclays ' letter through the CFPB portal on XX/XX/XXXX, it closed the complaint as a duplicate. On XX/XX/XXXX, I requested that Barclays explain why CFPB complaint number XXXX was closed as a duplicate without being addressed by Barclays when it was submitted in response to the XX/XX/XXXX correspodence received from Barclays and the FACTS alleged were materially different from those that were alleged in CFPB complaint number XXXX and relate specifically to events that occurred AFTER submission of that complaint, namely the facts that were disclosed for the first time in Barclays XX/XX/XXXXXXXX  correspondence. On XX/XX/XXXX, Barclays closed that complaint out too as a duplicate without addressing the issue.

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