Consumer complaint received 2023-11-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX I XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX Subject : Credit Card Application Decline and Violation of Consumer Law MANAGER/CEO /COO I hope this letter finds you well. I am writing to express my disappointment and concern regarding the recent decline of my credit card application with your esteemed institution. I believe that my application was unjustly rejected, and I would like to bring to your attention a potential violation of consumer law. As a responsible individual, I have maintained a good credit history and have promptly met all my financial obligations. Therefore, I was surprised to receive a notification stating that my application for a credit card had been declined. I followed the necessary steps, provided all the required documentation, and fulfilled the eligibility criteria outlined by your bank. Upon reviewing the reasons for the credit card decline, I was dismayed to find that the decision was based on discriminatory grounds, which is in violation of consumer protection laws. The Equal Credit Opportunity Act ( ECOA ) prohibits creditors from denying credit to individuals based on factors such as race, color, religion, national origin, XXXX, marital status, age, or receipt of public assistance. I firmly believe that my application was declined due to factors unrelated to my creditworthiness, but rather due to unlawful discrimination. I kindly request that you provide me with a detailed explanation for the denial of my credit card application, specifically addressing any potential violation of consumer protection laws. I also urge you to reconsider your decision and reassess my application based solely on my creditworthiness and financial history, as is required by law. If it is determined that my application was indeed declined in violation of consumer protection laws, I expect appropriate action to be taken to rectify the situation. This may include providing me with the opportunity to reapply for the credit card or offering suitable compensation for the inconvenience caused. I would like to remind you that as a consumer, I am aware of my rights and will not hesitate to seek legal recourse or report this matter to the relevant regulatory authorities if necessary. I trust that your esteemed institution values its reputation for fair and ethical practices and will take the appropriate steps to address this issue in a timely and satisfactory manner. I kindly request a prompt response within [ a reasonable timeframe, e.g., 14 days ] from the date of receipt of this letter. You may reach me at the contact details provided above. I would appreciate your attention to this matter and a swift resolution. Thank you for your immediate attention to this serious concern. I look forward to your prompt response. Yours sincerely, 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