Does Having a Checking or Savings Account at Barclay's Bank Help One Get Off Barclay Blacklist

[JNelson5280]

• I have landed on the infamous Barclay's Blacklist because, they say, I defaulted 20 years ago on a credit card issued by a bank Barclay's later acquired.  This information isn't true, and I suspect it is the result of some long-ago act of identity theft, but I've been unable to get Barclay's to take my name off the list.  Barclay's also issues online checking and savings accounts.  Will establishing a banking relationship with Barclay's by opening such an account help me to get off the blacklist??  Any insight anyone can offer will be appreciated.

[MarvBear]

Welcome to CreditBoards.

[Flyingifr]

12 hours ago, JNelson5280 said:

• I have landed on the infamous Barclay's Blacklist because, they say, I defaulted 20 years ago on a credit card issued by a bank Barclay's later acquired.  This information isn't true, and I suspect it is the result of some long-ago act of identity theft, but I've been unable to get Barclay's to take my name off the list.  Barclay's also issues online checking and savings accounts.  Will establishing a banking relationship with Barclay's by opening such an account help me to get off the blacklist??  Any insight anyone can offer will be appreciated.

FCRA doesn't apply to what a lender has in its own files. It took me 30 years to get off the Amex blacklist because my father stole my identity and then stiffed Amex when I was under 15 years old. The fact that you have a Barclay's account where they technically owe you money could actually backfire. If the Credit Card side ever sees your bank account and then sees the credit card bad debt, nothing would stop them from taking money out of your checking/savings account to pay the long owed credit card, with interest going back to Noah's Ark days. I suggest you NOT do your banking there.

[shifter]

3 hours ago, Flyingifr said:

If the Credit Card side ever sees your bank account and then sees the credit card bad debt, nothing would stop them from taking money out of your checking/savings account to pay the long owed credit card

Don't believe that cross-collaterization is part of large banks' agreements. You basically only see this in CUs. So this is probably poor misinformation. 

[shifter]

15 hours ago, JNelson5280 said:

Will establishing a banking relationship with Barclay's by opening such an account help me to get off the blacklist?? 

99.999% no

[Burgerwars]

I don't think Barclay's offers checking accounts in the U.S. If it's an online account, you must have the magic touch, because I don't see it.  😕  

[MP80]

On 8/13/2023 at 7:42 PM, JNelson5280 said:

I have landed on the infamous Barclay's Blacklist

Sorry, but you will be permanently banned from applying for a Barclays card if your debt to Barclays is outstanding.

 

No one can slip past this hoop and get approved for a credit card without first paying off their debt.

[TeeSharice]

I was on Barclays blacklist due to defaulting on the Carnival Cruise card eons ago.

My Old Navy/Gap card was Synchrony, now is Barclays as of a few months ago...  I was worried they'd shut my account down..:  so far so good.

I havent tested yet if that means Im free to apply for other Barclays products- mostly because there isnt one Im interested in

[MP80]

4 hours ago, TeeSharice said:

I havent tested yet if that means Im free to apply for other Barclays products-

People who applied for the Barclays card defaulted on Juniper bank card accounts before Barclays acquired Juniper Bank were therefore barred from applying for the Barclays card.

 

Don't poke the bear!

[Flyingifr]

On 8/14/2023 at 2:31 PM, shifter said:

Don't believe that cross-collaterization is part of large banks' agreements. You basically only see this in CUs. So this is probably poor misinformation. 

Better safe than sorry.

[Flyingifr]

Better to not have them able to offset funds from your bank account to an ancient and closed credit card account than to take the risk that they wont do it.

[TeeSharice]

On 8/16/2023 at 7:20 PM, MP80 said:

People who applied for the Barclays card defaulted on Juniper bank card accounts before Barclays acquired Juniper Bank were therefore barred from applying for the Barclays card.

 

Don't poke the bear!

mehh

[MP80]

Even if you are blacklisted and banned from applying for a Barclays card, the advantage is that your credit will not be hard-pull affected, so please continue with confidence.

[JNelson5280]

As a follow-up to my initial post, the statute of limitations would have expired long ago, so even if the debt was legitimate it could not be collected now.  I'm an attorney by day, so I'm familiar with this topic.  (The limitations period in my state of Colorado is six years for this type of claim.)

 

[StantheMan]

On 8/19/2023 at 4:27 AM, MP80 said:

Even if you are blacklisted and banned from applying for a Barclays card, the advantage is that your credit will not be hard-pull affected, so please continue with confidence.

I included Barclays in my BK. Figured why not apply for the AA card. Clean reports and high scores and the worst would be instant denial. Went pending and up for review. Upon calling the app department was told a hard would be pulled and a decision would be made. Canceled the app.

[MP80]

1 hour ago, StantheMan said:

Upon calling the app department was told a hard would be pulled and a decision would be made.

Is this an app you've used recently? I'm referring to a few years ago when Barclays launched the Sallie Mae card.

 

If Barclays magnanimously softens its previous bankruptcy policy and writes off losses, it will be good news for people to have a chance to apply for a credit card and regain their grace. 

[StantheMan]

56 minutes ago, MP80 said:

Is this an app you've used recently? I'm referring to a few years ago when Barclays launched the Sallie Mae card.

 

If Barclays magnanimously softens its previous bankruptcy policy and writes off losses, it will be good news for people to have a chance to apply for a credit card and regain their grace. 

Was submitted around 6 hours ago.

[MP80]

17 minutes ago, StantheMan said:

Was submitted around 6 hours ago.

This must be a piece of newly welcome news that just surfaced.

 

No pun intended, lol... But I'm guessing Barclays is running out of customers to be approved. 

[Flyingifr]

18 hours ago, JNelson5280 said:

As a follow-up to my initial post, the statute of limitations would have expired long ago, so even if the debt was legitimate it could not be collected now.  I'm an attorney by day, so I'm familiar with this topic.  (The limitations period in my state of Colorado is six years for this type of claim.)

 

It may not be legally collectable, but that won't stop them from refusing to do business with you in the future. FCRA does not apply to information the lender has in their own files, on;y what they get from a  CRA.

[swimmingwithsharks]

On 8/21/2023 at 3:22 PM, Flyingifr said:

It may not be legally collectable, but that won't stop them from refusing to do business with you in the future. FCRA does not apply to information the lender has in their own files, on;y what they get from a  CRA.

Right, the point is NOT that Barclays wants money from you. The point is, Barclays has decided not to do business with you. It is just business, and they don't want yours. While you clearly have a reaction to this news, I respectfully suggest you move on to another issuer that will be interested in your business. As for Barclay's - she's just not that into you (or) he's just not that into you.

 

If you tell us here on CB what aspect of which Barclays product it was that you wanted, maybe someone here can suggest a similar product/reward from a different issuer. For example, if you wanted American Airlines miles, Citi has cards for that. If you wanted 3% back on airfare, hotels and car rental from the AARP card, Bank of America, US Bank and Comenity offer cards like that. But without knowing what you wanted, those are just blind suggestions.

[MP80]

If I were a court commissioner ruling on the legality of the plaintiff's claim that Barclays denied my credit application based on my prior relationship with its acquiring bank, judging by the fact that I have no existing relationship with Barclays.

 

I will rule against Barclays on the prior subject entity, which has nothing to do with Barclays' losses.

 

I think this decree belongs to the discrimination clause similar to a public establishment denying service to a patron.

 

Judging by current trends, only a handful of banks that I know of have such an unreasonable policy towards consumers. I don't think it's fair to prohibit someone from applying to you for the first credit card account when you have absolutely no direct relationship with this applicant.

[JNelson5280]

Several members have commented on the possibility of Barclay's taking the money in my checking/savings account to satisfy the debt purportedly owed to the long-deceased Juniper Bank.  That's called setoff, and it's a good point to consider.  The law in a majority of states allows banks to satisfy a debt owed by a customer for defaulting on a loan or credit card by taking funds from the customer's bank account.  And, even if the state statutes don't expressly provide for setoff, banks sometimes write it into loan and account agreements.  As a result, consumers need to be very careful about doing business with a bank if they previously have burned it.

 

However, setoff isn't a problem for me.  The statute of limitations for collecting a debt in my state of Colorado is six years, and any debt purportedly owed to Juniper Bank would be far older than that.  Further, a bank cannot claim setoff simply because it is owed money.  It still has to be able to prove the amount and validity of the debt.  Barclay's can't do that in my case because it doesn't have any account statements or records.  All it has is a notation in an electronic ledger made by Juniper, which probably would not even be admissible in evidence.   Indeed, in light of the lack of controls and amount of fraud at Juniper, it would not surprise me if the ledger was created by an insider to steal from his/her employer.  C'est la vie . . . .

[hdporter]

Well ... welcome back! We'll be thrilled if you stick around and participate in some other threads.  There's every indication that you have intellect and good common sense from which others might benefit.

 

Fwiw, there were no comments re possible "offset" by Barclay's after your SOL post last year.  (Nonetheless, your observations are sensible.)