Consumer complaint received 2022-08-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am currently living in a hotel room. I could not find a rental so I was trying to buy a home but that fell through. My landlord is selling the home so I was recently served a 60-day notice. I can provide documentation. Barclays Bank has an account under my name. I disputed some of the charges on the account and asked for an itemization and never heard back from them so the account was charged off. The last payment was in XXXX, of XXXX. I was told by the person reviewing my credit that they wanted me to resolve some old credit issues so I contacted Barclays. Barclays could not find my account or any record of me having an account with them even after I gave them the information from my credit report. I asked them for a letter verifying that they had no record but they refused. This happened on 3 occasions when I called back. I tried to inform the proposed creditor that Barclays did not have any record of my account but they wanted a letter from Barclays stating no record but Barclays was refusing to provide it. I kept trying. Barclays would promise to call me back and never did. I asked them to cease and desist reporting the account if they can not find any record. Barclays refused to acknowledge my cease and desist and stop reporting it due to their lack of records.It appears their solution was to just not document anything on their end. I learned on XX/XX/XXXX around XXXX XXXX  that no record of any previous calls were showing on Barclays records. In the previous conversations, I learned that they had sold my account and to whom Barclays sold it. I contacted the 3rd party collectors that company referred me back to Barclays. That company was XXXX XXXX at XXXX. That never came onto my credit. XXXX XXXX  told me the account had been pulled back to Barclays several days ago. If I had never talked to them how would I have this information and history. 

I grew desperate and I continued to call Barclays. I informed them that there were very few rental properties out there and that they were significantly impacting my life. I kept calling back and asking for a supervisor. I believe I have now called 11 times. Around the 9th call, they said they located my account, and despite my belief that there are fraudulent charges I offered to settle with them. I was that desperate.

Barclays told me it would take 7-10 days to let me know if they would accept a settlement. I waited 7 days and I called again. I just hung up with them today XX/XX/XXXX around XXXX. This time I spoke to XXXX XXXX who stated there were no records of any previous conversations and that I had to wait another 7-10 days.

They have never responded to my dispute and request for information in XXXX of XXXX, they have refused to cease and desist reporting when they could not find any record, they willingly continued to report the account, would not acknowledge they could not locate it. Barclays reporting to the major bureaus show they have updated the account on XX/XX/XXXX but none of this information was reported to the bureaus. It is my opinion they have violated fair debt collections statutes. 
FCRA Section 611 Part ( A ) ( 1 ) FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre FDCPA Section 811 ( a ) ( 2 )

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