Credit card or prepaid card -- Getting a credit card -- Complaint #6668017
Complaint Overview
Complaint ID: 6668017
Company: Barclays Bank Delaware
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Sent card you never applied for
State: Pennsylvania
ZIP Code: 195XX
Date Received: 2023-03-08T12:00:00-05:00
Date Sent to Company: 2023-03-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The week of XXXX, XX/XX/XXXX I was in XXXX XXXX staying with friends at a Wyndham Resort. The staff talked us into attending a 90 minute timeshare during which our representative asked my husband and I for some financial information so that he could determine how many points we might be eligible to buy as well as what our down payment amount would be for the purchase of those points. The following week I received a Wyndham Rewards Visa credit card in the mail with a total credit line of {$19000.00} ( as well as a XXXX XXXXXXXX Line of Credit Account with a credit limit of {$10000.00} ). I was able to get both of these accounts closed immediately upon becoming aware that they had been opened in my name. I called to file a complaint with Wyndham and was transferred to 8 different phone numbers over the course of several days. When I was finally able to file a complaint ( case # XXXX ) I was told that it would be handled internally and I would not be made aware of the resolution. I never gave authorization to open either of these accounts. I have impeccable credit and now have a hard inquiry on my credit report ( when we were assured it would be a soft inquiry and only for purposes of determining our eligibility for purchasing timeshare points. I monitor my credit closely and have declined credit limit increases for cards/accounts I already own. I would never agree to opening up almost $ XXXX of available credit! When I searched consumer reviews of Wyndham there were hundreds of complaints all basically telling the same story I have and it seems nothing is being done. I have worked in XXXX XXXX for many years and this is fraud/misrepresentation and a UDAAP if I've ever seen one. Please help me and so many others get justice from Wyndham who seems to think being out of regulatory compliance is an acceptable way to conduct business. Thank You for your time!
Frequently Asked Questions
What is Complaint #6668017 about?
Complaint #6668017 was filed against Barclays Bank Delaware regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2023-03-08T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.