Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing a complaint against Barclays Bank Delaware, XXXX XXXX XXXX, and XXXX XXXX XXXX ( FRS ) for violations of federal consumer protection laws, including failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) and breach of an arbitration agreement. 
Timeline of Events : XX/XX/XXXX : Last payment was made to Barclays Bank Delaware on the account ending in XXXX. 
XX/XX/XXXX : The account was charged off by Barclays. 
XX/XX/XXXX : XXXX XXXX XXXX ( XXXX ) sent a collection notice stating that they are the current creditor and demanding {$2700.00}. 
XX/XX/XXXX : I sent Barclays a Notice of Intent to XXXX ( XXXX ) for violation of the arbitration clause in my credit agreement, requesting that they recall the debt from third-party XXXX. 
XX/XX/XXXX : Barclays responded ( XXXX of the XXXX ), claiming that the account was not sold but was placed with XXXX XXXX XXXX for collections. However, this directly contradicts FRSs claim that they own the debt. 
XX/XX/XXXX : I sent a formal request for clarification to Barclays, asking for documentation explaining why both XXXX and XXXX XXXX XXXX claim involvement in the debt. 
XX/XX/XXXX : XXXX & XXXX sent a letter stating they have been authorized to file a lawsuit to collect the balance. 
XX/XX/XXXX : I sent a debt validation request to XXXX XXXX XXXX, demanding a full breakdown of the debt and proof of their legal right to collect. I also informed them that any lawsuit would be met with a counterclaim due to Barclays failure to adhere to the arbitration agreement. 
XX/XX/XXXX : I received no documentation or evidence of valid debt ownership from XXXX XXXX XXXX, yet they continue collection threats. 

Issues Raised : XXXX of XXXX XXXX My credit agreement with Barclays includes an arbitration clause, requiring disputes to be resolved through arbitration, not litigation or third-party collections. 
Barclays has ignored this requirement and placed the account with multiple third-party debt XXXX, violating our agreement. 

Conflicting Claims Over Debt Ownership Barclays claims the debt was not sold but placed with XXXX XXXX XXXX for collections. 
XXXX claims they are the current creditor and are actively collecting on the debt. 
If Barclays did not sell the debt, why is XXXX claiming ownership and demanding payments? 

Failure to Provide Proper Debt Validation Despite multiple requests, Barclays, XXXX, and XXXX XXXX XXXX have failed to provide : An itemized breakdown of the charges. 
The original signed contract. 
Proof of legal assignment of the debt. 
Under 15 U.S.C. 1692g ( b ) of the FDCPA, they must cease collection efforts until they validate the debt. They have not done so and continue collection attempts. 

Unlawful Collection Threats & Intent to Sue Without Proof of XXXX XXXX XXXX XXXX is threatening litigation despite being legally bound to arbitration under the contract. 
Barclays has selectively cited portions of the agreement to justify collection actions while ignoring the arbitration clause. 
This is a deceptive and unfair debt collection practice. 

Failure to Respond to Dispute Requests in a Timely Manner Barclays has ignored multiple written dispute requests, in violation of the Fair Credit Reporting Act ( FCRA ).

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