Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I am writing this after I left work in distress. I informed my boss that I was about to have a nervous breakdown and that I need to go to XXXX XXXX Courthouse to see if anything is true. 

At XXXX XX/XX/XXXX, I received a phone from a number in XXXX XXXX MO XXXX XXXX XXXX. I answered and a robo call asked if my name was XXXX XXXX. I answered it. This number been calling me on a regular basis. Normally I ignore robocalls because there is a high likelihood of being scammed. 

The lady answered the phone and I said someone called me from this number I think? I was put on hold and then the women began speaking to me. 

She told me that she was calling in regards of a debt from XXXX. And that a judgment had been made against me. My wages were going to be garnished. I left my desk chair ( at work ) to go to a room more private. 

Then I asked the lady about what this was about? I was confused at what she was talking about. She repeated the same thing but this time telling me I declared bankruptcy in XXXX and that I was trying to repair my credit and then had no intention of paying off this credit card I was still confused and asked have I been mailed any of this. Because I can't remember that time. Then she informed me " Barclay 's sold off the debt in XXXX to a collector who was ignored by me and that they had already obtained a judgment against and will be garnishing my wages if I didn't pay right now '' She said my current debt owed was XXXX and that isn't the real amount from original debt. That amount was for the debt and court and attorneys fees from the judgment. But they would be willing to offer to settle for XXXX. 

I asked her when was this judgment filed. 

Was not provided the information. We both raised our voices and she accused me of getting loud with her and that she was going to hang up the phone. I said I'm not getting loud, I'm trying to understand what you are talking about. 

I told her that if this happened I would have been notified of this and I had not. I have had court cases filed on me and that I would know about it. I said and there is a statue of limitations on debts. And she said yes there is and its 7 years. Which I told her that is incorrect, the state of Missouri that statue of limitations is 5. Then I asked for the court case number and her company name which had not been provided yet. It was not giving to me. I know that collectors have to provide this information. I ask her to please send me the information of the court date and case number. She told me, that she did not need to provide that information and I could go down to the XXXX XXXX court house and see there is a judgment there. I informed that I have gone down to the Courthouse within the last few years to check if I had any judgments or court cases in other instances. SO I would know if had cases pending. 

She then told me again how she was going to say I refused to pay and that she is going to garnish my wages since they already had this judgement. I asked again for the court case and was told they can't provide that and the only thing they can provide is the settlement offer in the mail or it would be refusal of payment. 

I told her I still am trying to figure out what THIS is. And then she said she since you are refusing to pay we will be garnishing your wages. 

I then broke down at work. Asked my boss if I could leave as I was about to have a nervous breakdown. And left work. Then I checked to see if there were any court cases or judgments against me from any company since I didn't even know the name of the company that called me. The last judgment or court cases was in XXXX that dealt with my condo fees being delinquent and settling those. 

In addition, I was never given a way to dispute this claim they had. 

I don't appreciate not being told WHO the collector is, What case number, which there wasn't one so this was a blatant lie, and then being harrassed and accused of being a fraud after my bankruptcy.

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