Consumer complaint received 2015-10-23
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I received a call from XXXX XXXX XXXX XXXX regarding a credit card debt from XX/XX/XXXX. I didnt recall the credit card company at first & I informed them that any debts prior to XX/XX/XXXX were included in my bankruptcy. He then tried to convince me that " I '' was wrong or could be mistaking, I told him that I have my documentation and that I needed to locate it and call him back. He then told me that I had to find it while he was on the phone becasue if we ended the call without a resolution they would file a judgment. I told him they were being unreasonable to expect me to find paperwork over 6 years old while on the phone with him because I was getting ready for work as well. He then said " so what you are telling me is that you are not willing to take are of this debt willingly '' I told him no I didnt say that and asked him not to put words in my mouth. He went on to threaten me with a suit and judgment so I disconnected the call. I then contacted the attorney that filed my bankruptcy case but she was not in the office today.So I left messages with the receptionist. IN the mean time, I did locate my bankruptcy paperwork and called XXXX back with XXXX XXXX. I told him I have the XXXX that shows this. He asked me to send it that shows the full account number. I told him that it does not show the full account number. He then said that I could n't prove that that was the account in question and that I did n't have more than one account. I told him that was the only account that I had and that I ca n't do anything about the legal document not showing the full account number. He then threatened me again with filing judgment. I called Barclays the original creditor and spoke with XXXX ID XXXX & he verified by SSN that I only had that one account, that it was in listed as a bankruptcy & gave me the full account. I asked if they could give me some type of documentation, he said because they sold the account there was nothing that he could send me to help me but to contact them back, send them the document that I have, provide them with my bankruptcy case # and they have the legal obligation to verify it. I sent this information via email to XXXX at XXXX, he then called me back stating that it is my attorneys fault that they did n't file the full account number, the correct date or remove the fees from the amount and for these reasons they are going to collect. I told him I have verification that I provided to them as well as Barclays verified it. He then offered me a settlement amount saying to just pay for it to go away so that I wont have attorneys fees or so that it is n't on my credit. I told him that would be accepting responsibility for this debt which I am not responsible for. He threatened me with attorneys fees, court etc. I asked for a manager he stated he was one, I asked to speak to their attorney he said they do n't speak to consumers. I have provided them with all of the documentation as well as my bankruptcy case number to prove that I am not responsible for this debt and there is no resolution other than being told that I would be taken to court and have to pay as well as attorneys fees. He has admitted that they are trying to collect because the statute of limitations expire in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation