Barclays PLC Credit Card Complaint

Barclays PLC Credit card department,

Payoff process Texas

Hello, -/-/- applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only $2000.00. At one point -/-/-, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent.


for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ -+. I could n't pay that, and I continued with the automatic payments at less. -/-/- my last statement said my minimum payment was $700.00 - on $2000.00 limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just -/-/- statement, and -/-/- collection agency. Efforts to talk with them just get me diverted to the collection agency. All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.