Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Complaint against Barclays Bank Delaware According to public records from the Consumer Financial Protection Bureau ( CFPB ), Barclays Bank Delaware has received thousands of consumer complaints, including cases involving improper identity verification and failure to provide legally required documentation during the debt validation process. My experience appears to follow this same concerning pattern. 

FACTS : On XX/XX/XXXX, I was served by a Florida state court with notice of a civil lawsuit filed under the name XXXX XXXX, which does not match my full legal name : XXXX XXXX XXXX XXXX. 

The firm that filed the lawsuit, XXXX XXXX XXXX XXXX XXXX, claims to act on behalf of Barclays Bank Delaware. In a letter dated XX/XX/XXXX, which I received on XX/XX/XXXX, they also claimed to be the original creditor, but provided no legal documentation to support that claim. 

Since they are asserting that Barclays is the original creditor, I formally demand the original signed agreement that supports this allegation. However : No signed contract was provided No credit application or account opening documentation was included Only partial account statements from XXXX  and part of XXXX were enclosed, which do not meet the validation requirements under 1692g of the FDCPA On XX/XX/XXXX, I mailed a formal dispute letter via certified mail with return receipt, denying the debt, rejecting the use of an incorrect name, and demanding proper validation under the law. 
To this day, I have received no valid response, and yet the lawsuit remains active. 

I am certain that I never applied for or authorized any credit card account with Barclays Bank Delaware. I never signed any contract with this company, nor have I ever maintained a credit relationship with them. 

VIOLATIONS : I believe Barclays Bank Delaware acted with serious negligence by : Allowing legal action to proceed against me based on an incorrect and incomplete identity Failing to verify whether I had any legal relationship to the alleged account Allowing a third party to initiate legal action while claiming to be the original creditor, without presenting the original signed agreement Failing to provide legally sufficient documentation to validate the alleged debt REQUEST : That the CFPB investigate Barclays Bank Delaware for permitting legal and collection actions without proper identity verification or legal basis That Barclays confirm in writing whether any account is legally associated with my full legal name, and if so, provide the original signed agreement and full supporting documentation That, in the absence of such documentation, Barclays close any internal claim and instruct its legal representative to withdraw the lawsuit immediately That this complaint be formally recorded in my CFPB file as legal evidence in connection with the ongoing court case

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