Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Iowa XXXX, Iowa XXXX Re : Complaint Against XXXX Credit Denial and Violations of FCRA, TILA, and Other Federal Consumer Laws To Whom It May Concern : I am writing to file a formal complaint against JetBlue Credit Card regarding a recent credit line denial and their failure to follow proper procedures under federal consumer protection laws. 

On XX/XX/year>, I received a denial letter from JetBlue Credit Card stating the following reason for denial : An Alert appears on your credit report file instructing lenders to contact you prior to extending credit Despite this statement, I have received no contact from JetBlue Credit Card no phone call, callback, email, or any attempt to verify or discuss the alleged alert on my credit report. I have made multiple attempts to contact JetBlue to speak with an underwriter or a representative who could address this issue. Each time, I was told that it is not their policy to allow consumers to speak directly with underwriters and that I must write a letter to their underwriter department to dispute the information they claim is on my credit report. 

This process is not only obstructive but also appears to violate several federal consumer protection laws, including : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX, as a user of consumer reports, has a legal obligation to provide an adverse action notice that includes specific details about the credit reporting agency used and the consumers right to dispute inaccurate information. Merely citing an alert without further clarification or compliance with FCRA requirements may constitute a violation.

2. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 TILA requires creditors to provide clear and accurate reasoning for credit denials. Vague and unsubstantiated reasons, like the one provided, fail to meet TILAs disclosure standards. 
3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k While primarily governing debt collectors, the principles of fair communication and validation of claims apply broadly. XXXX XXXX refusal to engage in direct communication while insisting on written disputes appears designed to obstruct my ability to rectify any potential inaccuracies. 
4. UCC ( Uniform Commercial Code ) While state law, UCC principles of good faith and fair dealing are relevant here, as XXXX XXXX conduct seems to lack good faith in handling my application. 
5. Statutory Damages Under 15 U.S.C. 1692k, consumers may be entitled to statutory damages for violations of federal consumer protection laws, particularly when financial institutions willfully or negligently fail to comply with their legal obligations. 

I request that the CFPB investigate JetBlue Credit Card for : Failing to properly disclose the specifics of the alert referenced in their denial letter. 
Failing to make a reasonable attempt to contact me prior to denial, as implied by their stated reason. 
Imposing an unreasonable and obstructive dispute process that prevents timely resolution. 
Potentially violating FCRA, TILA, and other federal consumer protection statutes. 

I have attached a copy of the denial letter and any relevant correspondence for your review. Please ensure that JetBlue Credit Card is held accountable for these practices and that they provide a clear, lawful explanation for their denial while respecting my rights as a consumer. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Phone # XXXX Attachments : XXXX. XXXX of JetBlue Credit Card denial letter 2. Any relevant correspondence or call logs

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