Consumer complaint received 2021-11-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX- XXXX, Ga XXXX XXXX Dear Sir/Madam : Re : Complaint Against Debt Collectors : ( 1 ) XXXX Barclays Lawyers for a XXXX credit card for {$3700.00}, Judgment Lien granted. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX for a credit card, Judgment lien granted for {$2500.00}. ( 3 ) XXXX XXXX Bank for XXXX XXXX for a medical credit card for {$2300.00}, Judgment Lien granted . ( 4 ) XXXX XXXX XXXX XXXX XXXX for a credit card for {$3700.00}. ( 5 ) XXXX XXXX XXXX for XXXX for {$7000.00} for a credit union on the job loan. ( 6 ) XXXX XXXX for {$32000.00} for XXXX federal student loans. All others claiming our debts. 

We are writing to make a formal Complaint about against the following debt collection businesses and collectors. All our debts were open prior to XXXX. But we unexpectedly retired because my husband had to leave his job. With financial issues on hand, we contacted our debtors and told them of our situation, stopped using their credit and cut up all credit cards. 

On XX/XX/XXXX, we moved from XXXX XXXX to XXXX. But our creditors kept calling. We kept telling them our retirement income was much less than our prior income. They bombarded us with telephone calls and made it difficult to communicate reasonably. Eventually, most of our accounts ended up with debt collectors Our incomes were from public retirement and social security which could not be garnisheed. They were legally bullies and some had more than one collector claiming to own our debts. They would seek more than the Judgment Lien. These debt collectors were deceptive. So far, they have placed three judgments liens against our home for this credit card debt. Sadly, we had made payments on these charged off debts.

It appeared that these debt collectors accessed without our consent our credit reports. They would use warnings, scare tactics and schemes to try to intimidate and to legally overwhelm us. They would call every other day, and would they change their telephone numbers each time we would block them. They seemed to be competing by obtaining accounts that we were already arranged payments on. They would claim to be governmental agents, some would offer us a three-payment settlement but as soon as we make the second payment, a new debt collector say they own that account. They changed the amount owed by us, the dates of debt, double billed, collected on accounts closed and/or inactive for years, made false offers and even lying to us and about the information about our accounts on our credit reports. 

One debt collector, Barclays Lawyers would not stop hounding us for {$3600.00} for a credit card. We tried to reason with them, but their greed and power was overwhelming. Their lawyers took us to court in XXXX XXXX  and received a judgment against us. We set up a payment schedule with Barclays lawyers for {$60.00} a month. After about seven payments, the lawyers flipped the script. We applied for a high finance personal loan with for a dental emergency. It was approved and the loan was deposited in my bank account. But the Barclays lawyers froze the {$2400.00} in our bank account. We went to our bank, and they told us the Barclays lawyers froze our account. The original Judgment against us was granted to Barclays lawyers in XXXX XXXX but they filed the bank Hold paperwork in XXXX XXXX XXXX in XXXX XXXX. XXXX XXXX XXXX is near XXXX XXXX and 217 miles from XXXX. The Barclays lawyers won and was given our {$2400.00}. Later they sent us a discharge, but credit reports still have incorrect information. How did they know when we applied for credit, when we were approved and when to freeze our bank account? 

We welcome these debt collectors to collect from us the right way. But some are using unethical and/or scams to collect from us. Please investigate our situation and hopefully this will help us and others. Copying is expensive but we have records.

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