Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX has been attempting to collect from me an alleged debt identified on the credit bureaus under account number XXXX with original creditor reported as Barclays Bank Delaware, at a balance of XXXX I dispute the validity of the alleged debt in its entirety. A formal 1692g(b) debt validation demand letter dated XXXX XXXX XXXX has been mailed to XXXX XXXX concurrent with this CFPB complaint by Certified Mail with Return Receipt Requested (USPS tracking XXXX XXXX XXXX XXXX XXXX 40)XXXX internal balance discrepancy. My XXXX credit file shows that Barclays Bank Delaware itself reported the closed account with $18,623 written off when the account was charged off and sold. XXXX XXXX is currently reporting and attempting to collect XXXX XXXX XXXX increase since acquisition. Without a reconciliation of the difference, the amount XXXX XXXX is reporting and attempting to collect is internally inconsistent on its face with the amount Barclays itself wrote off, and constitutes an "attempt to collect a wrong amount" under FDCPA 1692e(2)(A).\n\nStatute of limitations. The most recent payment activity and date of first delinquency on the underlying Barclays Bank Delaware account, per credit bureau records, occurred no later than midXXXX Under California Code of Civil Procedure 337 and the borrowed Delaware 3-year contract limitations period (10 Del. C. 8106) under California CCP 361, the statute of limitations on any lawsuit to collect any such debt expired no later than XXXX Any such debt is therefore time-barred under California law, and any further written communication from XXXX XXXX must include the time-barred-debt disclosure required by California Civil Code 1788.52(d), which XXXX XXXX has not provided. The absence of that disclosure is a separate Rosenthal Act violation actionable under 1788.30.\n\nCross-bureau credit-reporting inaccuracies on the XXXX XXXX tradeline. XXXX reports BLANK Status, BLANK Past-due, "Open account" type (incorrect for a debt-buyer collection), no payment history, and an "08" prefix on the Original-creditor field that doesn\'t appear on the other bureaus. XXXX reports a non-standard "BARCL-" account number prefix, "Open Account" type wrong, BLANK Status, no Original-balance field, no payment history. XXXX reports a non-sensical "Terms: 1 Month" entry on a debt-buyer collection that has no monthly payment term, the XXXX discrepancy described above, and a three-month onboarding gap XXXX XXXX followed by an XXXX XXXX "ND" gap.\n\nValidation demand and chain-of-title questions. My validation demand requests: (1) the complete chain of title from Barclays Bank Delaware to XXXX XXXX, including bills of sale specifically identifying my account by full account number; (2) the cardmember agreement XXXX XXXX contends governs the alleged debt; (3) complete account-level statements from Barclays documenting the alleged buildup of the claimed balance; (4) the exact charge-off amount and date as reported by Barclays to the IRS on Form 1099-C if applicable; (5) reconciliation of the XXXX discrepancy; (6) verification that XXXX XXXX is currently licensed as a debt collector in the State of California (DBO license number) under the California Debt Collection Licensing Act (Fin. Code 100000 et seq.).\n\nCease and desist on telephone contact. Effective upon receipt of the letter, Portfolio Recovery is directed to cease all telephone contact under FDCPA 1692c(c).\n\nStatutory basis: FDCPA 1692g(b), 1692c(c), 1692e(2)(A), 1692e(11), 1692k; FCRA 1681s-2(a)(1)(B), 1681s-2(a)(8), 1681s-2(b), 1681n, 1681o; California Civ. Code 1788.52, 1788.30, 1788.17 (Rosenthal Act); 1785.25(a) and 1785.31 (CCRAA). Concurrent CFPB complaints have already been filed today against XXXX (complaint ID XXXX), XXXX (complaint ID XXXX), and XXXX (complaint ID XXXX) regarding the related credit-reporting violations on this same XXXX XXXX tradeline. State Attorney General complaints have been drafted for Virginia (XXXX XXXX HQ jurisdiction) and California, plus California DFPI, XXXX and NMLS Consumer Access portal complaints, all ready to file within 30 days unless XXXX XXXX cures the deficiencies.'

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