Consumer complaint received 2016-10-28
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I want to apologize in advance for the length of this summary : On XXXX XXXX, 2016 at approx., XXXX This kind of treatment and discrimination is sick! 
I Ordered a XXXX through XXXX, was approved. Transferred to An XXXX representative to verify my identity. The representative from XXXX informed me I needed to confirm my identity through their security verification process. Fine understandable. I was presented with XXXX questions and answered every single verification question timely and accurately. The apple representative congratulated me for being approved through them. Was then forwarded to the Barclay 's security dept. for verification. A Barclay 's rep. named XXXX said it was their policy to also confirm identity with additional verification questions and once these questions were answered correctly I would have Barclay 's final approval. Note : I currently have a Barclay 's credit card in good standing. 
First, XXXX asked me for a few of the same information I had just answered with XXXX : Name, Social Security number, address, DOB, Phone Number. I answered every one timely and accurately. XXXX then placed me on a short hold to dig up more security questions, including but not limited to : current county I lived in, past County 's, person 's who lived with me. I was also given a list of questions with XXXX possible answers, previous cars I owned or leased and other questions only that logically only XXXX XXXX ( ME ) could possibly know and again I answered every single question timely and accurately. XXXX confirmed I answered them all correctly. 
However, for unknown reason 's, XXXX was not satisfied and continued to question my identity. Therefore, she informed me my application could not be approved until I provided them with my driver 's license ( Front and back ), utility bill, health insurance card, checking account statement and other documents. More surprisingly, she informed me that she was also restricting me current account with Barclay 's. and that until they received the information requested it would remain that way. I said to XXXX ; if your concluding I am not who I say I am and restricting an account I 've had with Barclay 's that is in good standing, then essentially, your concluding that prior credit card account is fraud, therefore I have no obligation to pay. XXXX denied this. I also informed XXXX I never fax or mail all these documents whereas anyone has access to them and could literally take over my identity ( Look what was just exposed with XXXX XXXX, which is NOT an isolated incident ). I did tell XXXX that I could walk into a branch with all the requested information and do a live verification. THIS IS BY FAR A MORE SECURE WAY AND MORE SURE WAY TO CONFIRM MY IDENTITY. However, incredibly XXXX said I could NOT do a live verification at a branch or anywhere else. She demanded I mailed sensitive documents to a PO BOX . REALLY? Are you kidding me. 
Please tell me in what world mailing highly personal documents is a more secure, convincing and dependable way to verify a persons identity than walking into a branch or police station? 
I informed XXXX that I believed she was discriminating against me because of my XXXX not fitting her description of a female. She denied this and said it was routine. XXXX! I asked her again if I answered every security question correctly, XXXX confirmed I did. 
What XXXX could have asked is my XXXX and I would have informed her I am a XXXX. I tried telling XXXX she would have to be on the liberal side to understand, but her mind was undeterred. 
I have spent my entire life dealing with my XXXX and the way society discriminates against me. 
Please see attached for full summary and documents

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 non-monetary relief