Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (TX)

I received a call from the XXXX offices of Barclays Bank. The conversation started off with this call is being recorded with out my permission which is a violation of Texas state and Federal wiretapping laws Texas is considered a " one-party consent '' state. This means that unless at least one of the parties to a conversation consents, both Texas and federal wiretapping laws make it a crime to record an audio conversation, either in person or over the phone, if the parties have a " reasonable expectation of privacy. I requested that the call not be recorded and the Executive said that he would not do that. I requested a copy of the recording and he said that I would have to go to court to get a copy. THIS IS ILLEGAL what this company does. I spoke with the Executive about the fraudulent fees and the fact that they sent out fraudulent documents stating I was late on a payment/missed a payment ( see attached below ) and I spoke about the exorbitant interest rate of XXXX  % this evil greedy organization is charging. The company received by payment via their app on XX/XX/year> and then decided to record it as it was received on XX/XX/year> which is a LIE!! Just so they could charge a {$29.00} late fee. THIS IS FRAUD! When I call in and hear the recording about my account it states that the payment was received on XX/XX/year>. ( I have this recorded ) THIS IS FRAUD! This XXXX stated that my case is under review but eluded to the fact that percentage rates are set and that they may decrease under promotions but he eluded to he didnt know if it would. I mentioned that if I filed bankruptcy his organization would not receive a dime as this is unsecured credit. I discussed how this organization lowered my credit limit when I previously mentioned bankruptcy making my credit utilization extremely high again and I would bet that they will do it again. They play this bait and switch, luring consumers in with low introductory interests and high credit limit betting on the consumer will forget or an adverse event in life happens ( such as in my case ) causing the consumer not to be able to pay off the balance and then watch interest fees jump from {$38.00} to {$300.00} a month. This is wrong and predatory lending ( loan sharks or in Barclays case XXXX just like they have been doing since the XXXX and it must stop. THIS CORPORATE GREED must be reigned in. THE CFPB must not allow such companies to get away with this immoral, unethical behavior. The fact that the company is charging a late fee on the actual DUE DATE is WRONG! HOW MANY other consumers have they done this to? They defamed my character by stating that I was late and sending out emails stating this fact. If they reduce my credit limit thus increasing my credit utilization then my credit score will be negatively affected, thus lowering my chances of getting a personal loan at a lower interest rate to pay off these thieves keeping me in-slaved to this evil corporation. The audacity and arrogance of BARCLAYS attitude towards humanity is insane and the fact that they think they are untouchable is wrong. Its time to hold Barclays accountable for their corporate greed and illegal and deceptive business practices!