Consumer complaint received 2023-03-24
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt from Barclays Card is result of identity theft. I have sent ID theft affidavit, police report, my identification, and Barclays statement of fraud to Barclays on 10 occasions to the address listed on the Barclays Statement of Fraud form. Barclays ignored these communications and willfully violated the law. Barclays has failed to stop furnishing the information to the CRA 's as required by FCRA. Barclays then sold the debt to XXXX XXXX XXXX, a debt collector licensed in the state of New York. 

XXXX XXXX XXXX sent the required notice of debt on XX/XX/XXXX to an address I have not resided at since XXXX. This is because Barclays continues to use the identity theft information on file and they provided that wrong address to XXXX XXXX when they sold the debt to them. 

This notice was forwarded to my current address. I responded to the notice from XXXX XXXX XXXX via certified mail on XX/XX/XXXX to their XXXX XXXX Address listed on the notice. XXXX XXXX received the certified mail on XX/XX/XXXX and signed for the certified mail. They did indeed receive my dispute of the debt and the correspondence I included with that showing the identity theft affidavit, police report, copies of communications sent to Barclays, Notice to furnishers of information and my proper photo ID. 

I also emailed this same information to XXXX XXXX XXXX on XX/XX/XXXX to the address listed on XXXX website. I have included a screenshot that shows the email address XXXX is listed on their website and that " consumers may send disputes directly to this email. '' XXXX XXXX XXXX XXXX never responded to my identity theft dispute that was sent certified mail nor did they reply to my email of dispute sent to XXXX. 

The FDCPA states that when a consumer disputes a debt, collection activity and measures must stop until the dispute is resolved. XXXX violated the FDCPA when they ignored my mailed dispute and emailed dispute and continued to contact me about this debt. I am a victim of identity theft. They have been provided the proper proof required under consumer protection laws and should not be contacting me. They need to return the debt back to Barclays since it never should have been sold to them in the first place. 

XXXX again called me on XX/XX/XXXX on my work number of XXXX and forced me to verify the last 4 of my social and proceeded to tell me I owed XXXX plus dollars to them and they are collecting a debt. I hung up on them as they should not be contacting my work phone number. They also should not be contacting me at all since this is disputed under the identity theft provision of the law. 

I then contacted XXXX myself on XX/XX/XXXX and asked for an email address for a supervisor. The representative I spoke to provided me the email of XXXX and XXXX. 

I emailed my dispute for a second time on XX/XX/XXXX since they never replied to the original email or certified mail on XX/XX/XXXX. This second email was sent to : XXXX and XXXX and XXXX. I asked that they reply with confirmation that they have received my dispute and again no response. 

They are in direct violation of the FCRA and FDCPA. They contacted me after I had filed a dispute with them. They fail to recognize my identity theft claim. They fail to return the file to Barclays. They contacted me on my employment number on XX/XX/XXXX of XXXX even after I asked them to only contact me via XXXX mail or email in my dispute letter.

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