Consumer complaint received 2022-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/2017 after being adjudicated in XXXX XXXX in XXXX XXXX, Florida, case # XXXX to maximize all available credit balances on my credit cards to pay my ex-wife 's attorney to hire a forensic accountant to go over 5 years of my books and taxes, which he had for almost a year to do., my Barclays Card ending in XXXX was maxed at {$7700.00} and the combined interest on XXXX credit cards was dragging me under. At that point I was still obligated to pay gap alimony of {$500.00} per week, so I had to call all my creditors to work out plans. Barclays was the hardest and worst to work with, I made 4 years of on time, consecutive payments from XXXX, but some XXXX XXXX XXXXXXXX ( prior to the account being 30 days in arrears ) said they would settle for {$1000.00} per month in interest payments for 5 months. At that point I didn't want to settle nor could I pay {$1000.00} per month in interest, that is why I was in the problem. 
Others helped, Barclays didn't and haven't wanted to settle for the past 4 years, just to keep this on the Reporting Agencies Files of mine as a punishment of some sort, which is unfair. Last week I called and talked with someone in Back office collections, XXXX, who was helpful, I told her the last people in her company I tried to settle with, pretty much laughed, told me to call back in a week, the special XXXX XXXX XXXX would let me know if they will do a settlement and how much. I let her know based on others that have settled with them, they write it off and settle for about 20 % of the debt, In this case, Barclays has my high balance of {$7700.00} reported, has a balance of {$8200.00} but won't tell me how that number comes to be my amount, yet they wrote off just under {$7200.00} off their books? Which number is accurate? 
Today I called to see what the XXXX XXXX XXXX XXXX came up with, I had to call XXXX, The Phippipines before I got collector XXXX, XXXX who I could tell was new, said the XXXX is offering a 45 % settlement on what they are calling their balance of {$8200.00}. Yet they wrote off almost double that at $ XXXX? I still don't know the " real '' figures? 
I told them several times what I had ( {$2000.00} ) and what I could do, I asked why they were given me a 45 % settlement figure on a balance that is more that what they are reporting on the credit card accounts. I can now see WHY they have a XXXX review rating out of XXXX for over 10,000 un happy customers, it's because of their unethical collections and reporting practices, which severely violates every rule of credit collections and reporting. 
I have disputed this account by phone, online, in writing and via a complaint through this consumer protection agency. I need it kicked up to the Federal Trade Commission as these people are " crooked '' hiding behind a corporate veil! 

I need some action done on this very large organization, otherwise they continue to treat consumers unfairly taking advantage of people in financial trouble. 

Sincerely, XXXX 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