Consumer complaint received 2021-08-23
Company: BARCLAYS BANK DELAWARE
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wanted to reach out because we are having extreme difficulty with Barclay. I sent a certified letter to them a couple of months ago. They did respond, but their response did not match the dates or the information that I sent. Our bottom line is to come to agreement on eradicating the balance and fix the negative reporting they have on the account. I have attached the letter I sent to them. Any guidance on next steps would be appreciated as we are at a loss with what to do and this account has devastated our credit score. 
This is what I sent to them : This letter is to serve as a request to remove the debt collection and amount of {$3200.00} from a disputed charge on account -- -- --. Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also, be advised that I am keeping very accurate records of all correspondence from your company. 
In reference to the above account, I have spoken to individuals at Barclays and at XXXX XXXX XXXX over a series of phone calls over the past 2 months regarding the dispute. In each call, reference from the individuals has pointed to being able to resolve this dispute. Additionally, individuals have spoken with me and said that someone would be in touch with me from Barclays. However, nobody ever contacted me which has resulted in weekly phone calls to Barclay to resolve the dispute. Most recently, I spoke with XXXX XXXX in XXXX XXXX XXXX to resolve the dispute. He indicated he would send the dispute back to Barclays and said that someone from Barclays would be in touch with me. Two weeks later, I did not hear from anyone at Barclays. On XX/XX/XXXX I contacted Barclays to ensure the dispute was finally resolved and removed from my credit report. I was informed during this call that the dispute was sent back to XXXX XXXX XXXX from Barclays. I find it unprofessional that Barclays responded to the dispute without any contact directly with me, the customer. I am even more perplexed by the response due to the numerous calls I have had with Barclays representatives apologizing and assuring me that the dispute will finally be resolved. I understand that the failure to report to me that the dispute was unfounded

may be in violation of the Fair Debt Collection Protection Act. As of today, I am asking for
a final resolution to this dispute that began in XXXX of XXXX. I was told that the disputed result would be removed from the balance of my credit card. As you can see, the remaining balance on the credit card is in the amount of {$3200.00}, the disputed amount. I have attached copies of the verification from the bank and Barclay regarding the dispute in XXXX. I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency or reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.

Company response to consumer: Closed with explanation