Consumer complaint received 2020-09-15
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Ive contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX trying to pay off a supposed debt on my credit report. They told me the account was charged off to XXXX XXXX XXXX, however, when I call them they tell me the account was recalled by Barclays last year at or around XX/XX/XXXX. When I call I call Barclays they dont seem to find my account. Ive been put through processes where Ive had to wait for 7-10 business days to find my account. I called the second time and they said no one had updated the previous request and that she would put in a second request for their back office find my account, and now I have to wait another 7-10 business days. I call back today, the account manager manages to send me to the correct department, I felt like I finally had gotten somewhere - that Barclays wasnt a scam-type of company. I tried to take the settlement offer their collection department tried to draft for me. I asked for pay and delete and for a lower amount, and was denied the request after she stated the settlement offer was generated automatically based on the amount owed, and that she couldnt make any exceptions. I was okay with this as is expected with a lot of creditors. Then the funny business started. She asked me if I wanted to spread the amount over a few months, to which I replied no that I was going to make the payment in full over the phone. She sounded disappointed and told me she would not take my payment over the phone, that I had to mail it in? I tried telling her that was not possible for me. She said that because my account was charged-off that she couldnt take a payment on it. I dont understand whats going on here, I dont like it, payments can get lost in the mail and it also delays the time in which the collection is reported pay in full ( extra days for mail delivery, extra days to post the payment, then process the actual change on the account ). She stated this was the ONLY way that I could make a payment, and asked me how I wanted to proceed? Excuse me? Im trying to pay you a debt that you received a tax break on a few years back, and now you dont want to take my money? Are they trying to divert funds into other accounts on the back end? I dont get it, she refused to help me or provide me a resolution, told me she would update the account with my comments, and hung up. I can not believe that in XXXX a CREDITOR BEING BARCLAYS US CARD COMPANY can not take a payment from me via a credit card. Even Collection Agencies take credit card payments. Extremely frustrating as a young person trying to get a mortgage. I understand the ramifications of not paying a debt, but companies should give customers a break, especially during THE COVID-19 pandemic, and to someone who was laid off and still trying to meet their financial obligations,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation