Consumer complaint received 2021-06-09
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I along with my family members began receiving calls from a company about a debt I owed. I reached out to the company to find out who they were and why they were calling my family. 15usc 1692c The debt collector was XXXX XXXX XXXX They stated they had acquired the debt from then Barclays Bank. 15usc1692b They informed me they would continue to contact me and anyone else until the debt was paid. They threatened that a representative would be showing up to my place of employment and my wages would be garnished. 15usc1692e So, I made arrangements to pay the debt on that day due to the humiliation and embarrassment the calls had caused. 15 usc 1692d I then post dated payments to them in the amount of {$530.00} on XX/XX/XXXX, {$350.00} XX/XX/XXXX, {$350.00} XXXX15 usc1692f. I ultimately made good on the arrangement with XXXX XXXX XXXX. About one month had gone by after complete repayment and I began receiving threatening calls from other collection agencies about the same debt! I explained to them I had paid the debt to Barclays Bank to a different collection agency but my credit report had not yet been updated. Each agency told me to present them with a payment in full letter and the calls would stop. So I reached out to XXXX XXXX XXXX for a payment in full letter and they told me they would send it via email. Each time I called, I was told the same thing and the letter never came. I ultimately ended up reaching out to Barclays Bank, now XXXX, about the debt. They explained they never received payment for the balance and I needed the pay the amount again in order to resolve the account. I paid Barclays BankXXXX for the balance on the account to settle it again in XX/XX/XXXX! A payment in the amount of {$650.00} on XX/XX/XXXX and a payment of {$650.00} on XX/XX/XXXX. Essentially, I paid the same account twice! I would like my money returned to me for payments and late fees and violations of my rights according to 15usc1692k which states : ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I have been attempting to get this closed account removed from credit report since XXXX. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( l ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. I demand they all be removed from my consumer credit reports, credit files and investigative credit reports pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my consumer credit reports, credit files and investigative credit reports immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

Additionally, under 15 usc 1681b Permissible Purposes of Consumer Reports ( a ) IN GENERAL ( c XXXX any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 

I, XXXX XXXX, have never provided written permission to any credit reporting agency to report any item on my consumer report.

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