Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
formal dispute- regulation z Violation and Deceptive practices ( 12 CFR // 1026,0 ) company, Barclay bank Delaware i am filing this complaint for a statutory violation of the credit card act of XXXX and Regulation z ( 12 CFR // 1026.9 ( c ) ( 2 ) ) -- Failure of notice : in XX/XX/XXXX, Barclays implemented a 1.5 % discretionary margin increase, raising my APR to 26+ %. Barclays failed to provide the mandatory 45-day written advance notice. Barclays recorded line has documented admissions from Barclays representatives on recorded lines stating that no notice was sent. this recording was on XX/XX/XXXX -- Deceptive and unfair practices ( UDAP ) During my attempts to resolve this, Barclays staff provided verifiably false information. I was told the hike was " mandated by federal law '' which is false as the U.S. Prime Rate actually decreased in XXXX. XXXX also falsely claimed notice was in my statement when is was not. 
Recording was on XX/XX/XXXX -- Bad Faith resolution A promised vice president callback never occurred. s subsequent push notification on the app claimed " attempted contact '', yet my phone logs show XXXX incoming calls and no voicemails. A push notification on an app. 

-- Creditworthiness my fico score has remained stable at XXXX charging a near penalty rate to a low-risk borrower while bypassing federal notice requirements is an egregious compliance failure. 

-- I have 2 voice recordings for the date XX/XX/XXXX Barclay will have to provide the voice recording for XX/XX/XXXX 1st recording//Rep 1 I asked for the APR to be changed and they told my they need to find the notice and put my back on hold. They hung up while i was on hold.

2nd recording//Rep 2 I explained in detail what was going on and he said he would look into it. after being on hold he said he can wave the interest charge. I asked him what that meant and he said he would remove the {$30.00} something from interest charges on the account. I told him that was not what I am asking for and that will not resolve my complaint. I asked if he had the ability to make my requests come true and he said no. I then asked for the call to be escalated to someone that has that ability and he complied. When he came back from the hold period, he said the manager was not willing to talk to me because I was recording the phone call myself. I asked him if the phone call was being recorded by Barclay and he said yes. I then removed the audio recorder from the phone log.

when speaking to the manager she said she will not acknowledge my request and they have done nothing wrong. I stated for the record I would be closing the account and contacting the CFPB.

the phone records and screen shots I have on my phone are too large to send via this website due to them being over 10MB in size. I would be happy to provide any information you need.

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