Consumer complaint received 2025-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX [ Todays Date ] To : Barclays Bank Delaware XXXX. XXXX XXXX XXXX, DE XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Subject : Formal Response to CFPB Complaint Account Ending in XXXX ( JetBlue Plus Card ) Dear Barclays Bank Delaware, This letter is in response to your recent reply concerning the JetBlue Plus Card account ending in XXXX, which you claim was opened on XX/XX/XXXX, and subsequently charged off and sold to XXXX XXXX XXXX. I appreciate your acknowledgment that the account was charged off on XX/XX/XXXX, and sold, but I remain in full dispute of the reporting and responsibility for this account and request that it be removed from my credit reports based on the following legal and regulatory grounds : 1. Continued Reporting Post-Sale Is Misleading ( FCRA 15 U.S.C. 1681e ( b ) ) While youve stated the account reflects a {$0.00} balance and sold status, its continued presence as a charge-off remains materially misleading and punitive. The Fourth Circuit held in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) that a furnisher may be liable under the FCRA when technically accurate but incomplete or misleading information is reported. 

When an account is sold to a third party, the original creditor is no longer legally owed the debt, and continued derogatory reportingeven with a {$0.00} balancecreates an inaccurate and damaging impression to future creditors. The FCRA mandates maximum possible accuracy, and this reporting fails that standard. 
2. No 1099-C Issued Possible IRS and Reporting Violation Since youve confirmed that the account was charged off and sold, this meets the criteria for cancellation of debt under IRS guidelines XXXX Yet, I have not received a Form 1099-C as required under IRS Code 6050P. A creditor that cancels {$600.00} or more of debt must issue a 1099-C to both the debtor and the IRS. 

Failure to do so may constitute a misrepresentation of the accounts legal resolution, supporting my argument that the reporting is incomplete, inaccurate, and unfair. If the debt was truly charged off and no longer legally owed to Barclays, there should be a 1099-C issued and no further derogatory marks reported. 
3. Disputed Account and Alleged Electronic Signature Insufficient The fact that you reference an electronic application and signature is not conclusive proof of liability. I never authorized this account, and you have not provided forensic validation such as IP address logs, device IDs, or two-factor verification used during the application. A signature block or electronic entry alone does not satisfy the burden of proof under 15 U.S.C. 1681s-2 ( b ) when a legitimate dispute is raised. 

If you believe I made payments, I request documentation linking those payments to an account or method under my legal name and control. 
Requested Actions

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