Consumer complaint received 2024-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Subject : Complaint against Barclays Frontier Mastercard for Non-Compliance with Louisiana Military Service Relief Act Dear Sir/Madam, I am writing to bring to your attention an issue concerning Barclays Frontier Mastercard non-compliance with the Louisiana Military Service Relief Act. This matter involves Service Member XXXX XXXX of the United States XXXX XXXX, account ending in XXXX at 25.24 % ( v ) APR. 

Despite numerous attempts to resolve this issue directly with Barclays Frontier Mastercard, the situation remains unchanged. As per the Louisiana Military Service Relief Act, service members are entitled to certain protections and benefits, which Barclay 's Frontier Mastercard has failed to honor. 


Source : httpXXXX XXXX XXXX XXXX XXXX Limits on creditor interest rates A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding six percent per annum during the period that the person is XXXX on XXXX XXXX. 

B. Notwithstanding any provision of law to the contrary, interest or finance charges in excess of XXXX percent per annum that otherwise would be incurred but for the prohibition in XXXX XXXX of this Section are forgiven. 

C. The amount of any periodic payment due from a person, or spouse of a person, who is on XXXX XXXX under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made.

D. In order for an obligation to be subject to the interest and finance charges limitation of this Section, the person, or spouse of the person on XXXX XXXX, shall provide the creditor with written notice and a copy of the military or gubernatorial orders calling the person to XXXX XXXX and of any orders further extending XXXX XXXX, not later than one hundred eighty days after the date of the person 's termination of or release from XXXX XXXX. 

E. Upon receipt of the written notice and a copy of the orders referred to in Subsection D of this Section, the creditor shall treat the obligation in accordance with Subsection A of this Section, effective as of the date on which the person is on XXXX XXXX. 

XXXX XXXX court XXXX XXXX a creditor relief from the interest and finance charges limitation of this Section, if, in the opinion of the court, the ability of the person, or spouse of the person, on XXXX XXXX to pay interest or finance charges with respect to the obligation at a rate in excess of XXXX percent per annum is not materially affected by reason of the person 's service on XXXX XXXX. 

Acts 2005, No. XXXX, XXXX, eff. XX/XX/2005. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and ensure that Barclays Frontier Mastercard abides by the stipulations of the Louisiana Military Service Relief Act. It is crucial that our service members receive the protections and benefits they are legally entitled to, especially considering the sacrifices they make for our country. 

I am hopeful that your intervention will prompt Barclays Frontier Mastercard to rectify this situation promptly. I am willing to provide any additional information or documentation necessary for your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX 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