Consumer complaint received 2020-11-27
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 to sue you for very old debt

Complaint:
I am needing urgent assistance. Barclays consumer credit is dogmatic and more seriously, predatory and most unreasonable. Barclays is exploiting U.S. consumers ; and they are taking unfair actions-even when they are notified early on of serious issues. Specific to my case needing resolution right away please, I notified them apprx XX/XX/XXXX that I purchased cellphones for myself and a gift for my mother and sister. Immediately following, while I was trying on jeans at a nearby merchant, the bag with the phones inside was stolen. I reported this right away and the XXXX  XXXX manager gave me all purchase details, I reported to security, security referred me to the local XXXX police, the local police stated they were exceptionally busy with more serious cases and this needed to reported to the consumer credit card company. I then immediately reported this to Barclays. I was re-assured that they -with the XXXX XXXX company and the information that I provided to Barclays- in detail, could resolve this matter. They XXXX phone information also confirmed that I'd never activated or used either of these phones. Again back apprx XXXX. My parent took charge also and was equally. concerned and jumped ahead and made a payment so that I would not have a first payment default as I was working to build my credit. I enlisted many advocates to assist and to prove to Barclays we needed resolution. We did not know about the CFPB at that time. Barclays took very, very long and did not follow up-at all as they promised many times.. My advocates and I called and wrote in to Barclays, trying to resolve-still no resolve. Ironically, fast forward to XXXX, I am again a victim of their predatory collections and consumer mistreatment. Ignored, disregarded, misrepresented, pressured, feeling even hunted down, run over and disrespected -even with an offer resolve an apprx 48++ month old debt -when this should be dismissed or discharged. Especially, with the amount of time gone by, the current serious COVID 19 financial and economic impact on me and my family, their dishonest and non-follow up to resolve, their disrespectful, predatory collection techniques, their serious of bumbling errors and mishandling of the extensive information that I called and called and wrote in to provide to them, their unfair demands, threats and aggressive executions to collect on phones that I never ever used. Barclays clearly is using this collection technique to generate revenue for their company in the wake of this pandemic economy. They are ruthless. Even the letter that I am attaching from Barclays dated XX/XX/XXXX is a fraudulent misrepresentation. They state they " fully investigated ''. They did not. They have not. I gave them all, extremely pertinent and time sensitive information for research, investigation and so that they could resolve almost 4 yrs ago! How could they dare type and send a letter date XXXX? This further demonstrates their dishonest tactics. Please assist me towards getting this resolved, and closed out permanently. Please also closely monitor Barclays and take very seriously other consumers who file complaints on them as well.

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