Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ). 
