{"took":90,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"11317083","_score":25.776127,"_source":{"product":"Credit card","complaint_what_happened":"First Progress Bank did not disclose the necessary information for me to make a sound decision on the credit card I was opting in to. The company failed me. As a consumer, the XXXX ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was conhersed, intimated, and pursuaded to be everything other than a beneficiary. The XXXX social security number provided serves as the full faith and credit confirmation through the U.S.acting through the United States Treasury to settle the debts. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, consumer is currently left with a defemation of character as if there are no collateral associated with the application in itself .Confusing or misleading advertising or marketing credits or application fulfillment. The ability of fulfillment of every credit / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ credit report. Disgrace to commerce. Unacceptable in law. The consumer is the original creditor, tricked and cohersed to take on the role of debtor. As a child of XXXX, all my debts are paid in full.","date_sent_to_company":"2025-01-07T17:27:32.000Z","issue":"Problem when making payments","sub_product":"General-purpose credit card or charge card","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"11317083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Synovus Bank","date_received":"2024-12-29T16:33:05.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem during payment process"},"highlight":{"complaint_what_happened":["Now after theft and collection of <em>credits</em>, consumer is currently left with a defemation of character as if there are no collateral associated with the application in itself .<em>Confusing</em> or <em>misleading</em> <em>advertising</em> or <em>marketing</em> <em>credits</em> or application fulfillment. The ability of fulfillment of every <em>credit</em> / consumer obligation is already written into law. The entity failed me, the consumer. For having left unlawful slander on consumer/ <em>credit</em> report. Disgrace to commerce. Unacceptable in law."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[25.776127,"11317083"]},{"_index":"complaint-public-v1","_id":"11410110","_score":20.020962,"_source":{"product":"Student loan","complaint_what_happened":"I signed a Master Promissory Note. The application was submitted and the credits have not and were not and still are not being applied to the principal 's account. All debt is the responsibility of the government and the U.S. Treasury issued credits for the necessity so I can pursue happiness. I requested them for. All promissory notes and bills of exchange fall under acts allowed by Congress. As a consumer first, then secondly a beneficiary, I have had my character on my consumer report has been defamed since the beginning of the note I signed in XXXX. The application was submitted and the consumer was also forced to sign the application electronically without the ability to reserve any rights. Consumer obligation is already written into law. The company is in violation of 15 USC 1692d ( 1 ) for having left unlawful slander on the consumer/ credit report. Unacceptable in law. The consumer is the original creditor, tricked and forced to fulfill the application without full disclosure. The subsidiaries of the parent corporation continue to profit from the lack of attention to the account. The transfer of personal information is a violation of privacy.The company failed me. As a consumer, the company ignored the law. The disclosures were not set conspicuously and they ignored the principal 's credits and the application appropriately. The consumer was coerced, intimated, and persuaded to be everything other than a beneficiary. The SSN social security number provides and serves as the full faith and credit confirmation through the U.S. acting through the United States Treasury to settle the debts.\n\nAs an American consumer, the past 8 years have consisted of several requests of removal of this account for this company to merely \" verified by credit grantor '' response. This also contributed to a blinds shut -home denial in XXXX when I had my first son. The student loan on my report was too high of a debt that I should take care of first before becoming a homeowner. The company shall right their wrongs for the error that has manifested on the consumer credit profile and record unlawfully and is illegitimate. The law has not changed. They did not balance the books lawfully and then claimed the credit. Now after theft and collection of credits, I, the consumer is currently left with a defamation of character as if there are no collateral associated with the application in itself.Confusing or misleading advertising or marketing credits of application fulfillment.","date_sent_to_company":"2025-01-07T22:23:17.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"95842","tags":null,"has_narrative":true,"complaint_id":"11410110","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Nelnet, Inc.","date_received":"2025-01-07T21:07:48.000Z","state":"CA","company_public_response":null,"sub_issue":"Don't agree with the fees charged"},"highlight":{"complaint_what_happened":["Now after theft and collection of <em>credits</em>, I, the consumer is currently left with a defamation of character as if there are no collateral associated with the application in itself.<em>Confusing</em> or <em>misleading</em> <em>advertising</em> or <em>marketing</em> <em>credits</em> of application fulfillment."]},"sort":[20.020962,"11410110"]},{"_index":"complaint-public-v1","_id":"19952209","_score":14.821764,"_source":{"product":"Credit card","complaint_what_happened":"Formal Regulatory Complaint : Barclays Bank Delaware To : Consumer Financial Protection Bureau ( CFPB )/ Office of the Comptroller of the Currency ( OCC ) Date : XX/XX/year> Subject : Systemic UDAAP and FCRA Violations : Deceptive Advertising, Detrimental Reliance, Phantom Debt Reporting, and Predatory \" Dark Patterns '' Targeting XXXX Consumers I am filing this formal regulatory complaint against Barclays Bank Delaware for systemic Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) and blatant violations of the Fair Credit Reporting Act ( FCRA ). The bank is utilizing deceptive \" Obscurity by Design '' to intentionally confuse account terms, failing to honor binding verbal contracts, reporting known inaccurate data to credit bureaus, and actively weaponizing customer service scripts to harass and obstruct consumers with XXXX and mental health challenges. \n1. Deceptive Advertising & \" Obscurity by Design '' Barclays utilizes deceptive marketing tactics by prominently advertising a 0 % APR in high-visibility, \" huge letters '' while intentionally obscuring the material limitations and real terms in microscopic or non-existent fine print. This lack of transparency is a deliberate attempt to mislead consumers. Under CFPB and FTC standards, disclosures must be \" Clear and Conspicuous. '' Barclays \" Obscurity by Design '' creates a non-linear and confusing digital environment where the consumer-facing interface directly contradicts verbal agreements made by the bank 's own agents, effectively impeding consumer choice and accountability. \n2. Breach of Verbal Agreement, Detrimental Reliance & Financial Entrapment On multiple occasions, most recently on XX/XX/year>, Barclays representatives explicitly confirmed on recorded lines that my account is subject to a 0 % APR for 12 billing cycles. I explicitly asked this question to verify the terms, and the answer was an unambiguous \" Yes. '' Based on this material misrepresentation, I engaged in Detrimental Reliance. I adjusted my entire household budget around this promise. I chose to use this specific card for purchases and deferred aggressive payments under the explicit belief that no interest would accrue. Had the bank provided accurate disclosures or told me \" No, '' I would have proactively paid off the balance and avoided putting further charges on this card. Because Barclays failed to honor this verbal contract, my entire budget has been disrupted, and I am now facing unexpected debt and interest charges. Barclays deception has effectively \" trapped '' me into a high-interest debt cycle I did not consent to. \n3. Admission of Error through Conduct ( Interest Rate Reversals ) Barclays ' own internal accounting proves the validity of my claim and their breach of contract. The bank has repeatedly issued \" Interest Rate Reversals '' in the exact amounts of the interest incorrectly charged ( e.g., a reversal of {$23.00} ). These are formal accounting corrections, not \" Courtesy Credits. '' By reversing the exact amount of interest charged, Barclays is formally acknowledging a systemic billing error. If the interest were validly charged, a reversal would not be justified. However, they refuse to correct the root cause, forcing me into a predatory \" refund-then-recharge '' cycle every month. \nXXXX. Credit Damage & `` Phantom Debt '' Reporting ( FCRA Violation ) Barclays has been unlawfully reporting \" phantom debt '' specifically the interest charges that they have already admitted are incorrect via the aforementioned reversalsto the major credit bureaus. This inaccurate reporting has artificially inflated my balance-to-limit ratio ( credit utilization ), directly damaged my credit profile, and artificially lowered my total spending power. Under the Fair Credit Reporting Act ( FCRA ), reporting known inaccurate data is a severe violation of the requirement to utilize \" reasonable procedures to assure maximum possible accuracy. '' 5. Weaponized Scripting & \" Exhaustion by Design '' ( Abusive Practices ) To resolve these admitted errors, I have been subjected to a predatory tactic I define as Weaponized Scripting. Barclays representatives maintain a facade of extreme politeness while refusing to engage with the actual facts of the dispute, instead reading the exact same irrelevant scripts over and over again. \nThis is a calculated \" Dark Pattern '' intended to wear the consumer down and induce \" exhaustion-based compliance. '' To be heard, I am forced to repeatedly interrupt representatives who are trained to ignore specific questions in favor of their script. For any consumer, this is infuriating ; for a consumer with mental health challenges or XXXX, this is a profoundly abusive practice. It creates a hostile environment specifically designed to make the individual \" snap '' from cognitive fatigue or abandon their rights entirely. \nXXXX. Disregard for Accessibility Boundaries & Harassment Barclays ' complete disregard for consumer welfare is further evidenced by their direct violation of my explicit, documented communication boundaries. I provided a formal notice to Barclays that I was not to be contacted via telephone on Monday, XX/XX/year>. Barclays knowingly ignored this boundary and placed a call to me on that date regardless. This refusal to respect a \" no-call '' request is a violation of my privacy, constitutes harassment, and demonstrates an abusive disregard for the accessibility needs and mental welfare of XXXX consumers. \nFormal Demand for Final Resolution & Restitution On XX/XX/year>, I negotiated specific resolution terms with a representative, which the bank has failed to fully implement. I demand immediate corrective action as follows : * Contractual Alignment & Rate Override : Immediately implement the permane\n\nnt, portfolio-level 0 % APR override for the agreed-upon 12-month cycle, updating all digital and physical disclosures to reflect this accurately. * Credit Correction ( FCRA ) : Immediately update all credit bureaus to remove the \" ph\nantom debt, '' correcting my utilization ratio to reflect the accurate balance based on a true 0 % APR. \n* Financial Restitution : A full reversal of the XXXX ( {$24.00} ) and XXXX ( {$26.00} ) interest charges, totaling {$51.00} ( in addition to the previously reversed {$23.00} ). \n* Service Recovery & Goodwill : Immediate implementation of the negotiated {$250.00} Service Recovery Credit, plus an additional {$250.00} Goodwill Credit ( totaling {$500.00} in requested restitution ) to compensate for the significant administrative burden, credit damage, mental distress, and \" pain and suffering '' caused by their systemic deception and Weaponized Scripting. \n* Cease and Desist / Accessibility Compliance : Permanently mark my account for \" Written Communication Only, '' provide a formal written apology for the XX/XX/XXXX contact violation, and end the cycle of manual, scripted obstruction.","date_sent_to_company":"2026-03-04T03:13:38.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"97302","tags":null,"has_narrative":true,"complaint_id":"19952209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BARCLAYS BANK DELAWARE","date_received":"2026-03-04T02:52:48.000Z","state":"OR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem with fees"},"highlight":{"complaint_what_happened":["Deceptive <em>Advertising</em> & \" Obscurity by Design '' Barclays utilizes deceptive <em>marketing</em> tactics by prominently <em>advertising</em> a 0 % APR in high-visibility, \" huge letters '' while intentionally obscuring the material limitations and real terms in microscopic or non-existent fine print. This lack of transparency is a deliberate attempt to <em>mislead</em> consumers."],"product":["<em>Credit</em> card"],"sub_product":["General-purpose <em>credit</em> card or charge card"]},"sort":[14.821764,"19952209"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3}]}},"product":{"doc_count":3,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit card","doc_count":2,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"General-purpose credit card or charge card","doc_count":2}]}},{"key":"Student loan","doc_count":1,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":1}]}}]}},"issue":{"doc_count":3,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Dealing with your lender or servicer","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Don't agree with the fees charged","doc_count":1}]}},{"key":"Fees or interest","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem with fees","doc_count":1}]}},{"key":"Problem when making payments","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Problem during payment process","doc_count":1}]}}]}},"timely":{"doc_count":3,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3}]}},"company_response":{"doc_count":3,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3}]}},"submitted_via":{"doc_count":3,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3}]}},"company":{"doc_count":3,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"BARCLAYS BANK DELAWARE","doc_count":1},{"key":"Nelnet, Inc.","doc_count":1},{"key":"Synovus Bank","doc_count":1}]}},"state":{"doc_count":3,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":2},{"key":"OR","doc_count":1}]}},"company_public_response":{"doc_count":3,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","doc_count":1}]}},"tags":{"doc_count":3,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}