Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
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 Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Barclays Bank for Failure to Provide Requested Information Dear CFPB, I am writing to formally document my ongoing complaint against Barclays Bank that I initiated in XX/XX/XXXX. Despite numerous attempts to resolve issues stemming from fraudulent activity related to my identity, I have encountered consistent challenges and inadequate responses from Barclays Bank regarding my requests for information. 

As a victim of identity theft, I have been proactive in seeking clarity on my account and have reached out to Barclays Bank on more than three occasions. They acknowledged my concerns and conducted an investigation, which they claimed substantiated their findings. However, the lack of transparency in their process leaves me with several critical questions that remain unanswered, including : 1. The method of their investigation and the proof to substantiate their findings.

2. An account of their chain of custody regarding my documentation.

3. Verification of my wet signature on the original documentation.

4. If charged off, the 1099-G they filed with the IRS and a copy sent to me, including dates. 
5. Details of any insurance policy that may have paid out to the debt.

6. An explanation of why my rights continue to be violated and the ongoing harassment I am experiencing without the provision of requested information over the past five months.

Given the situation, I wish to highlight some relevant case law and examples of similar cases that underscore the legal obligations of financial institutions in handling disputes and maintaining consumer rights : 1. The Fair Credit Reporting Act ( FCRA ) mandates that creditors must investigate and address disputes regarding inaccuracies in consumer reports. Failure to provide requested information can be deemed a violation of this act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

2. The Equal Credit Opportunity Act ( ECOA ) protects consumers against discriminatory practices by lenders. If Barclays Bank is failing to provide information or is harassing me without sufficient cause, this could also reflect a violation of my rights under this act. 

3. In the case of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, the court emphasized the necessity for clarity and thoroughness in the debt collection process, highlighting the obligation of creditors to maintain transparent communications with consumers. 

These cases illustrate the principles of accountability and transparency that financial institutions must uphold. Despite this knowledge, I find myself in a position where my requests for information remain unmet, amounting to a potential violation of my consumer rights. 

I respectfully request the CFPBs intervention to ensure that Barclays Bank adheres to its legal obligations and provides the requested documentation. Moreover, I would appreciate guidance on how to further protect my rights moving forward. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, 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