Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Hi, my name is XXXX XXXX ( my last name is written wrong on this account and I couldnt correct it so this is just a reference ) On XX/XX/year>, I visited the XXXX XXXX store at XXXX XXXX. During checkout, a store employee gently persuaded me with a promotional offer, saying I could get a discount and that all I needed was my ID. She never clearly stated it was a credit card application. As we continued, she slowly asked for more information first my address, then my Social Security number without ever explaining the full terms or that it was a credit check for a store card with Barclays. 

I only agreed because I was misled and felt pressured in a soft, persuasive way that made it hard to say no. I never received any credit card in the mail, yet later found out through XXXX XXXX that an XXXX XXXX XXXX was opened under my name. It is now showing interest and fees, even though I never activated or used the card. 

She told me I would get 20 % off, but when I saw the final price, it was still highabout the same as if I hadnt used the card. When I asked about it, she said it was because of taxes. At that point, I didnt want to argue or make a scene, especially since the card had already been opened under my name, and it just felt too late to change anything. 
Ive contacted Barclays multiple times. They keep creating tickets but offer no clear resolution. Theyre now telling me to speak to XXXX XXXX XXXX but its been very hard to reach anyone or get help. As a student, XXXX worried about the impact this is having on my credit. I want the account closed, all charges removed, and the credit reporting corrected immediately. 

This has been ongoing since XXXX, and as a student, its extremely overwhelming. Im just starting to build my credit and my name, and I dont have deep knowledge in credit cards or how these things work. I trusted the employees guidance, but now I feel misled and stuck with a growing balance tied to something I didnt even want. Its been months of pressure and anxiety over something I never agreed to fully or understood. Ive tried contacting Barclays many times, but the service has been so unclear and unhelpful, it only makes the situation worse. Im not saying Barclays is a scam, but the way this has been handled makes it feel like Ive been caught in something that no one wants to help fix. Im desperate for a resolution and just want this balance from my credit and if removing this card that I never received or used from my name, it doesnt harsh me. Id like it to be removed. If its gon na harsh me and my name I think its best to leave it. So please please If closing the account and removing it from my credit report will not hurt my credit score or name, I would prefer that. If for some reason removal would damage my credit, I request that the balance be corrected to {$0.00} and the account be left open but inactive with no further interest or activity.

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