Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Discrimination Case Against Barclays Bank Background : On XX/XX/year>, I attempted to make a reservation for a family vacation for nine adults traveling from XXXX, FL, to XXXX, XXXX. There was a special deal with XXXX XXXX listed on the XXXX website for round-trip tickets from XX/XX/year>, to XX/XX/year>, priced at approximately {$1100.00} each. As a long-time holder of a JetBlue credit card issued by Barclays Bank , I had a total credit balance of {$15000.00}, with over {$12000.00} available, along with approximately {$4000.00} in cash in my XXXX bank account. 
Incident : 1. Initial Purchase Attempt : I attempted to purchase three tickets but was prevented by XXXX 's system from using my cash funds for a flight involving another carrier. Consequently, I tried to purchase the tickets using my credit card for a total of {$3300.00}, but my transactions were rejected twice by Barclays.

2. Customer Service Experience : Frustrated, I called Barclays customer service. The representative was rude, particularly after learning my name ( XXXX XXXX XXXX and that I was calling from XXXX, XXXX. Despite verifying my identity, he insisted on a phone verification that I could not complete while on the line, then blocked my credit card account and hung up. 
3. Subsequent Calls : After calling back, I spoke with another representative who initially seemed helpful and sent me a verification code, which I confirmed. However, after a brief distraction while talking to his manager, he became rude and informed me that my credit card would remain blocked and I would lose access to my online account. He requested that I fax several documents, despite my overseas location.

4. Document Submission : I arranged for my daughter in the XXXX to prepare and fax the required documents. After several unsuccessful attempts due to claims of unclear faxes, I had her send the documents by mail, causing further delays. 
5. Continued Rejections : Two weeks later, a representative confirmed receipt of the documents but rejected my Social Security card because it lacked a stamp. I explained that this was the original document and could not be stamped, but she remained unhelpful and insisted that my account would remain blocked. 
6. Payment Issues : On XX/XX/year>, I was informed my account was overdue, even though I had mailed my payment on XX/XX/year>, which had already been cashed. My attempts to resolve the issue were met with repeated disconnections during calls. 
7. Ongoing Frustration : By XX/XX/year>, after multiple calls and failed attempts to resolve my account issues, I felt at a dead end. The rejection of my Social Security card and the overall treatment I received appeared discriminatory, particularly given my identity as an XXXX and XXXX. 
Consequences : 1. Due to Barclays ' overly stringent security measures specially against me, I was forced to purchase separate tickets for my family, resulting in a loss of {$6400.00} compared to the original fare. 
2. I lost between XXXX to XXXX frequent flyer miles. 
3. My credit card was locked, preventing access to nearly {$12000.00} in available credit. 
4. This XXXX XXXX issued by Barclays incurs an annual fee of {$99.00}, along with late fees and high interest rates, further complicating access to my account and statements. 
5. Barclays prevented me to let have an access on my account and refused to mail my statements to assist with my income tax. 
6. The block on my online account led to late payments, harming my credit score.

7. The verification process seemed discriminatory, particularly after the representative learned my name and location.

8. Barclays issued a false statement claiming I was late on my XXXX payments for more than 30 days, which was untrue because I had proven that it cash my check on XX/XX/XXXX which been mailed on XX/XX/XXXX for the due date of XX/XX/XXXX and harmed my payment history and credit score. 
9. Barclays decreased my line of credit from {$15000.00} to {$3700.00}. 
10. These actions affected my credit score by more than XXXX points in XXXX months, resulting in financial losses from other creditors. 
11. Barclays took these significant actions over a simple transaction with XXXX XXXX, which was confirmed twice and not a fraud or misleading transaction. 
12. Barclays asked for my driver license ID, a recent utility bill, and my social security card, which I fax twice and then mailed, and after received it decline my social security card. 
13. If Barclays does not accept valid U.S. documents from its citizens, it raises concerns about their ability to operate in the XXXX market. 
14. This situation has persisted for over five months, causing significant financial and emotional distress and real loses of {$70000.00} of line of credit and over {$10000.00} in cash due to misappropriation and discrimination 15. I believe XXXX XXXX would be concerned about the impact on their business due to this issue. 
Conclusion : The treatment I received from Barclays Bank appears discriminatory and has caused significant financial harm. I am seeking legal counsel to address these grievances and hold Barclays accountable for their actions.

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