Consumer complaint received 2019-05-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
1. On XX/XX/XXXX, XXXX XXXX XXXX , XXXX . contacted me ( XXXX XXXX ) in a form of latter attempting to collect a consumer debt in amount of {$2700.00}. 

2. On XX/XX/XXXX I requested validation of alleged debt. 

3. On XX/XX/XXXX. XXXX XXXX XXXX , XXXX . responded to my request with inadequate evidence to validate alleged claim. Plaintiff failed to produce as requested : a. ) contract agreement or promissory note bearing defendants signature on it. 
b. ) provide copy of assignment to XXXX XXXX XXXX. XXXX right to collect alleged debt. 
c. ) state whether alleged account is assigned to XXXX XXXX XXXX. XXXX. or its been purchased from the original creditor. 
d. ) provide the reasons why XXXX XXXX XXXX. XXXX. could not produce as requested information. 

4. On XX/XX/XXXX I received Citation ( Debt Claim Case ) CASE NO. XXXX 5. On XX/XX/XXXX, I called original creditor Barclays Bank Delaware. Call was answered by Barclays Bank Delaware Relationships Manager who named himself as XXXX. I stated the fact that I have been contacted by multiple collector and I need to validate who has been assigned to collect debt. Since, I received Citation from XXXX XXXX XXXX XXXX, I specifically point out XXXX XXXX XXXX. XXXX. as assignee to collect debt and one who represent Barclay Bank Delaware in this case. Relationship Manager stated that he does not see any reference to the XXXX XXXX XXXX. XXXX.. Relationship Manager stated that he does not have any other information on account balance or any other details on alleged account as account was transferred/sold off to third party collector but he did not have any reference to XXXX XXXX XXXX and they do not know who XXXX XXXX XXXX is. In fact, account manage stated that I should be aware of collectors who fraudulently trying to collect debt. 

6. The same day, on XX/XX/XXXX, at XXXX XXXX I call XXXX XXXX XXXX XXXXXXXX and call was answered by one of the representatives. I told her the facts about Barclays Bank Delaware does not know anything about being represented by XXXX XXXX XXXX XXXX for alleged debt, representatives was a bit surprised but could not confirm so she offered to me to be transferred to another representative named XXXX XXXX. After waiting for few minutes, XXXX got on call and I stated facts again what Barclay Bank Delaware Relationship Manager told me as he did not see any reference or any information on legal representation or collection efforts or assignment to XXXX XXXX XXXX XXXX. During discussion, XXXX dismissed such statement but could not provide evidence or confirm representation of XXXX XXXX XXXX XXXX for alleged client Plaintiff Barclay Bank Delaware with tangible evidence. At that point XXXX suggested that she will go back and contact her client and get back to me. I explicitly give her permission to call me directly on my mobile as well as to leave message if Im not available. She asked me to record phone number from which they will be calling me XXXX so I know who is calling. 

7. As of Friday, XX/XX/XXXX I have not hear back from the XXXX XXXX or anybody from XXXX XXXX XXXX XXXXXXXX. 

8. Since I have not heard back from XXXX XXXX XXXX or XXXX XXXX, I reach out again to Barclay Bank Delaware again. Second call was placed XX/XX/XXXX. Again, talk to account manager and she told me account is sold to third party collector, they could not take any payment and they are not aware of any Law firm representing them in this case. This time I requested statement in writing stating that account has been transferred/sold off and who is new account owner. Account Manager stated that she have requested letter and it will take 7-10 business days to receive it. As of Friday, XX/XX/XXXX I have not received any statement. Please note, this time our discussion is been recorded and audio evidence available upon request. 
As of today Friday, XX/XX/XXXX, Barclays Bank Delaware did not sent/produce written document of account status and ownership, yet refusing to accept payment for account in debt. 

Based on information provided by Account Manager, Im not able to make or arrange any payment regardless of outcome of the case without establish ownership of the account. In order to make payment, I need to find out who is actual owner of the account. This is reasonable request in order to determine actual owner and whom payment will be sent. 

Im without information or knowledge sufficient to form an opinion as to the truth or accuracy of XXXX XXXX XXXX XXXX I have serious reservation about XXXX XXXX XXXX XXXX  posing as representation of the Plaintiff when in fact Barclay Bank Delaware have no records for such representation. If adequate evidence for legal representation and/or collection assignment to XXXX XXXX XXXX XXXX to collect debt for Barclay  Bank Delaware is not produced this case is nothing but fraud. 

Original Credit Barclay Bank Delaware is Plaintiff in Case yet its unwilling to accept payment for the debt. This suggest that account is owned by third part, however third party does not want to be named or identify within legal proceedings. This is wrong and has great implication on consumer post judgment whatever outcome is. 

Thank you.

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