Consumer complaint received 2025-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
BACKGROUND : I was a longstanding holder of the XXXX XXXX XXXX ( since XXXX, if I recall ) until I closed the account a couple years ago due to unavoidable financial problems related to the technology industry and XXXX visas. From the beginning, I would login to my account to collect information about my account ( balance, transactions, minimum payment and due date ) and also to pay the account -- just as I access 15-20 other accounts faithfully every month. This worked fine for a while until the company removed my online access suddenly and without warning. Apparently even their own reps did not know about it and tried to help me reset access until, finally, a deeper investigation revealed the truth, that the company had cut off my access with XXXX notice. I received nothing in the mail and continue to receive nothing in the mail. I do receive an email every month saying, " Your statement for the XXXX XXXX XXXX is now available online. '' But of course, I can not access that statement because the company cut off access without cause. 

ATTEMPT AT RESOLUTION : Many times, I called to attempt to understand why I can not get information related to my account. I tried in vain to get the online access renewed ( the equivalent of " flipping a bit '' in the relevant system ) and the company has so far refused to send paper statements. Most recently, I attempted to adjust the due date so that I could more reliably pay them with my monthly bills process ; they refused even though there is no risk or excessive cost on them to do so. I even communicated with someone allegedly attached to the company president 's office but they refused to help or communicate after telling me they would get back to me. ( I tried following up multiple times. ) AT ISSUE : The company ( XXXXBarclays ) prevents me from accessing information about my account having unnecessarily cut off my web account access, refuses to send me paper statements ( so that now I have NO source of information about the account ), and will not even reset my payment due date so that I can more effectively get the payment in on time, even though I would have been willing to make another payment more quickly than I would have otherwise had to as a result of the changing date. They are unethically -- intentionally or negligently -- making it difficult for me to pay my credit account off on time. 

CONCLUSION : XXXX ( now Barclays ) is the worst ( sleaziest, vengeful, possibly unlawful ) company I have ever dealt with. I can not recall any other company that seemed to think that making it hard to pay them is more ethical, profitable and better PR than making it easy for themselves to get paid. They seem to relish bullying and punishing customers ; there is no rational reason for their actions to make the payment process hard since they already have an easier process in place for others. It cost them *more* to make it harder for me to pay than simply maintaining the status quo ; this makes no sense and in my eyes is a red flag of potential ethical violations that may need investigation. In my opinion, this company deserves an injunction preventing them from issuing or servicing credit card accounts and forcing them to divest to a more responsible company. 

To be clear, I have had dozens of credit accounts in my lifetime and have *never* had issues of this magnitude with a company 's ethics.

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