Barclay Card USA issued a Good Sam VISA account to me on November 7, 1998 with a credit line of $1,600.
I maintained the account and paid on the VISA account every month for over 5 years with no missed or past due payments and was never assessed a late charge on the account
On March 23, 2012, I attempted to purchase dinner at a Restaurantwith his wife and son, daughter-in-law and grandson.
The VISA card was declined for payment of the $46 dinner which caused me great embarrassment to my family and myself
I contacted Barclay Bank by telephone on March 24, 2012 and was told that the account had been closed by Barclay Bank and that a letter would be sent to me with an explanation of the reason for the closing of the account.
On March 30, 2012, I received a letter from Barclay with the explanation that Barclay Bank had closed the account due to a credit score of 604 and a high debt to income ratio assessed by Barclay Bank. The letter also stated that I was past due on my credit accounts according to a Credit Report which was obtained from Trans Union Credit Services.
I obtained a credit report from Trans Union Credit Services immediately upon the receipt of the letter from Barclay Bank. The Credit Report showed a credit score of 683 and that no credit account was past due and all credit references were current and had no record of any past due accounts on the report.
I paid off the Good Sams VISA account in full on March 21, 2012. On March 23, 2012, Barclay's processed an electronic payment of $50.00 from my checking account in payment for purchases that had not been billed I never received any notification that there is any requirement to pay on my account in ADVANCE of a monthly statement when the account was paid off and the balance was zero. The action of deducting the $50 payment from the my bank account in advance of the
normal monthly statement constitutes theft by Barclay Bank.
I was also enrolled in a Good Sams Club Rewards Program and had an accumulated of 6,911 points with a value of approximately $95.00 on the VISA account.
Barclays removed all of the accumulated Reward Points that the Plaintiff had acquired over several years of purchases on the credit card.
The act of removing all of the accumulated Reward Points on my account constitutes theft and conversion by Barclays.