Complaint policy statement

Barclays US is committed to providing quality products and services to our customers. To do this, Barclays seeks opportunities to make lives simpler for our customers, provide avenues for our customers to report any form of dissatisfaction that they may have, and establish complaints principles that aim to:

• Ensure that all customers are treated fairly, effectively and promptly.
• Embed our complaints principles and standardize how complaints are reviewed across the organization.
• Ensure that staff uses their judgment and the standards set by Barclays to reach suitable, consistent and timely decisions.
• Ensure that complainants are kept up to date on complaint status and resolution.
• Certify all staff on our Complaints policy and principles.

Barclays US complainants can expect the following specific standards:

• Commitment: All Barclays US staff will provide an efficient and fair resolution of complaints at all levels.
• Fairness: Barclays US complaints-handling policy recognizes the need to be fair to the complainant. All facts will be reviewed in order to form a cohesive picture of the customer's circumstances and the case as a whole and weighted according to relevance. Barclays US will ensure that each complaint is reviewed on its individual merit and that a full and fair outcome is delivered to the customer.

Barclays US staff will fully explain the resolution and any actions that will be undertaken with the customer, check they understand, are satisfied and that they are aware the complaint is considered resolved/closed.

• Resources: All Barclays US staff are educated on the Complaint policy and receive yearly training that is applicable to their business area.
• Visibility: Barclays US provides avenues for complainants to lodge complaints, including phone, internet, and when appropriate will provide accommodations for complainants who have special needs.
• Access: Barclays US complaints-handling avenues are readily available to the general public and are flexible, free and easy to use.
• Assistance: Staff will assist customers and non-customers in accessing the complaints-handling process and will assist with the formulation of the complaint. Staff will also provide assistance to those individuals who may have special needs.
• Responsiveness: Barclays US deals with complaints promptly and courteously.

What if I am unhappy?
Barclays strives to make it easy for your voice to be heard. If you are unhappy and would like to submit a complaint, you can do so either by, U.S. mail, or by phone. Our contact details are listed below.

By U.S. Mail:
Card Services
P.O. Box 8801
Wilmington, DE 19899-8801

By phone:
1-866-225-9725

What you need to provide:

• Your name and address
• A day time telephone number where we can contact you
• A clear description of your concern or problem

We aim to resolve your complaint as quickly as possible; however, at times, additional research may be warranted and it may take longer to resolve your complaint. In cases such as this, we will:

• Write to you within five working days
• Provide you with a case number
• Keep you updated with our progress
• Provide you with final resolution

Finally, we value your feedback. Please help us to get it right every time, for every customer.