Consumer complaint received 2024-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, State MA, Zip CodeXXXX Your Phone Number Your Email XXXX Date XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, OH XXXX RE : Complaint Regarding Debt Collector Abuses and Dispute of Debt by [ Name of Collection Agency ] Dear CFPB, I am writing to file a complaint against [ BARCLAYS BANK DELWARE XXXX for violating the Fair Debt Collection Practices Act ( FDCPA ) and to dispute owing any and all debt to them. 

Account Information : Name of Collection Agency : [ BARCLAYS BANK DELWARE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dispute of Debt : I hereby dispute owing any and all debt to THESE AGENCY ABOVE. I have not received the required validation information mandated by the Fair Debt Collection Practices Act ( FDCPA ) under 12 CFR 1006.34 ( b ) ( 5 ). Despite this lack of validation, they have already placed a collection notice on my credit report, further violating my rights under 12 CFR 1006.34 ( b ) ( 5 ) ( i ) which grants me the opportunity to dispute the debt before it is reported. 

Additionally, the collection agency has violated my consumer rights by using : False, misleading, or misrepresentation deceptive strategies. Please specify any examples you have of these tactics. 
Furnishing any account information to a consumer reporting agency without proper authorization. 
Requests : Cease all communication : I revoke all rights for AGENCY ABOVE to communicate with me through text messages, emails, phone calls, or letters. 
Debt Validation : I request a debt validation notice in writing, which must include the amount of the debt, the name of the creditor, and a breakdown of charges. 
Purchase Agreement : I request a copy of the purchase agreement between Collection Agency and the original creditor, proving they have the legal right to collect on this debt. 
Proof of License and Bond : I request proof Collection Agencyis licensed and bonded to collect debts in my state. 
CFPB Investigation : I request that the CFPB investigate these allegations and take appropriate action against [ XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. This action may include ordering them to cease their abusive practices, correcting any inaccurate information they have reported, or even fining them for their violations. 
Attached Documentation : I WANT THESE REMOVE OFF MY CREDIT Thank you for your time and attention to this matter. I look forward to your response and a resolution to this problem. 

Sincerely, Your Signature XXXX XXXX XXXX Your Typed Name XXXX XXXX XXXX

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