Consumer complaint received 2024-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Friday, XX/XX/XXXX Sir / Maam : I would like to file a complaint of harassment and failure to prove documentation and/or letter ( XXXX ) of validation, against the following C/C company : Wyndham Reward Earner Card W/ Barclays Bank Delaware XXXX XXXX XXXX XXXX  XXXX 

Back on XX/XX/XXXX, ( I was moving from XXXX XXXX XXXX ) I paid off all my bills, cut up all my cards and closed all my C/C. The only C/C that did NOT close my account was : Wyndham Reward Earner Card. My other C/C have me listed as : Paid, Closed / Never Late Account closed at credit grantors request. 

According to my credit report, Wyndham Reward Earner Card, accepted my payment of Paid In FULL on XX/XX/XXXX, and no charges were recorded from XX/XX/XXXX to XX/XX/XXXX and then my Closed Account was being charged ( with small charges ( Under {$50.00} ) ) until XX/XX/XXXX and after that, NO MORE CHARGES. Now Barclays Bank, says they charged off $ XXXX and listed me as {$410.00} past due. 

*There is no proof or documentation of this {$100.00} charge off. 

During this time frame of XX/XX/XXXX to XX/XX/XXXX, I was not informed that my account was still active and that someone else was using this credit Card, that I had cancelled. 

It wasnt until I received a letter from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX  On XX/XX/XXXX, informing me that Wyndham Reward Earner Card XXXX Barclays Bank Delaware had hired them to collect a debt of {$410.00}, and this is when the Harassment started. XXXX XXXX XXXX would call me on my cell phone and call my wife on her cell phone. It was not until I contacted them to STOP, then they did. I was told that they were hired by, Wyndham Reward / Barclays Bank Delaware, for charges made with my C/C after I had paid the C/C off. I ask them ( XXXX XXXX XXXX XXXX ) for documentation or Validation of Said Debt. As of today ( XXXX XXXX ) no documentation has been provided, nor have I had any contact with XXXX XXXX XXXX XXXX. 

While my wife and I were enjoying the XX/XX/XXXX weekend ( XXXX ), my wife received a harassing phone call from the following company**, informing her that I owned Barclays Bank of Delaware , {$410.00} and they were calling to collect. I informed the lady on the phone, that this was my wifes cell number and not to call me or her on this number. The lady informed me that they have the right call me on my cell number and my wifes cell number. I told them to stop, and the lady replied that they would, only after they XXXX XXXX XXXX XXXX XXXX ) receive the request in writing. The lady insisted that I make a payment over the phone, to stop these calls and I said no, and hung up. 

A letter was sent, with the date of XXXX XXXX, from : XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX, MN XXXX I contacted XXXX XXXX XXXX XXXX and XXXX them to STOP harassing me by phone and to STOP calling my wifes phone. They informed me of the same information that XXXX XXXX XXXX XXXX, had told me, again, I asked for Validation of Said Debt. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX with a statement dated XX/XX/XXXX XX/XX/XXXX, and this statement only showed : v XXXX XXXX v Interest Charged o What the statement DID NOT SHOW, was the purchases ( that Wyndham Reward Card / Barclays Bank Delaware ) claimed that I made after I had paid the debt off and when and/or were, the charges were made. 

Once I read the statement, I contacted XXXX XXXX XXXX XXXX and told them, that this statement is NOT a letter of Validation of Said Debt and to this date ( XX/XX/XXXX ) I have not heard back from this company or received any other documentation or letter of validation. 

And the harassment continues, on XX/XX/XXXX, I received another letter from another debt collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX DE XXXX I have informed this Debt Collector of the same information that I had informed the other XXXX Debt XXXX of. 

Here are some of the points that are strange to me : XXXX. That Wyndham Reward Earner Card / Barclays Bank Delaware never contact me? 

XXXX. Why did Wyndham Reward Earner Card / Barclays Bank Delaware, wait a year and a half ( XX/XX/XXXX XX/XX/XXXX ) and then send debt collector ( XXXX ) after me? 

XXXX. Why is there is no proof or documentation of this {$100.00} charge off? 

XXXX. Why wouldnt Wyndham Rewards / Barclays Bank Delaware provide me with any type of documentation or Validation of Said Debt? 

XXXX. Once the Debt XXXX contact me and I request they STOP calling and ask for them to provide me, documentation or Validation of Said Debt, the debt collector stops and Wyndham Rewards / Barclays bank Delaware, hires a different debt collector to harass me? 

XXXX. Why did Wyndham Rewards Earner Card / Barclays Bank Delaware have me down for {$0.00} on XX/XX/XXXX and that never changed? Is because that was the date I paid my C/C Paid in Full and cancelled it! 

XXXX. I was told that there was activity on my Closed Account, right after I Paid the debt off in full ( XX/XX/XXXX ), however, according to my credit report, there was NO active, from XX/XX/XXXX, until XX/XX/XXXX. 

XXXX. Was Wyndham Rewards Earner Card hacked? 

XXXX. Was Barclays Bank Delaware hacked? 

XXXX. Why didnt Wyndham Rewards Earner Card / Barclays Bank Delaware XXXX do as all my other C/C did and mark me as follows? 

a. XXXX, XXXX / Never XXXX b. Account closed at credit grantors request. 

XXXX. Why did Wyndham Rewards Earner Card / Barclays Bank Delaware, keep my account open? 

XXXX. Why did Wyndham Rewards Earner Card / Barclays Bank Delaware, allow fraudulent charges to be charged to my INACTIVE and CLOSED account, for XXXX  months? 

XXXX. Why did Wyndham Rewards Earner Card / Barclays Bank Delaware, allow fraudulent charges to keep being charged for XXXX months and then STOP? 

XXXX. Why did Wyndham Rewards Earner Card / Barclays Bank Delaware, have me down for Scheduled Payments from XX/XX/XXXX XX/XX/XXXX, then STOP? and then have it revert back to XXXX? 

XXXX. During these XXXX  months, Wyndham Rewards Earner Card / Barclays Bank Delaware, made no effort to contact me! WHY? 

XXXX. The Charges that Wyndham Rewards Earner Card / Barclays Bank Delaware, allowed for those XXXX months in XXXX, are as follows : XXXX XXXX {$100.00} o XXXX {$32.00} o XXXX {$43.00} o XXXX {$45.00} o XXXX {$45.00} o XXXX {$48.00} o XXXX {$48.00} o XXXX {$49.00} XXXX. You would think someone at Wyndham Rewards Earner Card / Barclays Bank XXXX would catch fraud charges that keep coming every month for under {$50.00}. 

What I would like to see happened : XXXX. Wyndham Rewards Earner Card / Barclays Bank quit harnessing me and my wife. 

XXXX. Wyndham Rewards Earner Card / Barclays Bank would drop the {$410.00}. 

XXXX. Wyndham Rewards Earner Card / Barclays Bank would reverse their remarks on my credit report, from Red to Green. 

XXXX. Wyndham Rewards Earner Card / Barclays Bank would cancel my card and list me as follows : Paid, Closed / Never Late Account closed at credit grantors request. 

Thank You 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