Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
This is regarding my Uber Visa Credit Card. 
In XX/XX/XXXX, Barclays Bank Delaware mailed me a notification that my account had been sent to a collection agency for an unauthorized statement of balance. The last time this credit card was used was in XX/XX/XXXX. The credit card was paid off with a XXXX statement balance in XX/XX/XXXX. I have never used the card again since. I made sure that any auto payment linked to that card was removed, and also, just in case I forgot about an auto payment, I had left the auto payment function on the credit card just in case a payment was needed. I contacted Barclays Bank regarding my account being sent to a collection agency. Barclays stated that they had no information about when the charge on the credit card was made. I asked for the date of the charge. What is the original amount of the charge, and what merchant made the charge? They said they had none of this info because it was sent to the collection agency. That said, I can obtain that information with the Debt Collection agency to obtain that information. I then called the number of the Debt Collection Agency they provided in XX/XX/XXXX. The Debt Agency was also unable to provide any information about the debt in question. The only information they could give me was that they had received a debt for my account, but it would be 4-6 weeks before they received the complete information about the debt. They said I had no other option but to wait until they received all the information. Since those calls, I have never received any mail or communication about this debt until XX/XX/XXXX. 

I received a phone call at the end of XX/XX/XXXX from XXXX XXXX XXXX, trying to collect a debt of {$410.00}, who offered to give me a 40 % discount if I could pay it in full with a one-time payment. I asked for information about this debt, and they said they had no information. I can request information be sent by mail about this debt, on XX/XX/XXXX. I received in the mail from XXXX about this debt. It stated that it was collecting a debt for Barclays Bank of Delaware for {$410.00}, and this balance occurred in XXXX of XXXX. I looked through all my records and found no such transaction on my part. I then contacted Barclays Bank about this charge. They said this amount was charged to XXXX XXXX XXXX, and they can not tell me the exact date the charge was made or to what merchant. 
I asked when my Uber Visa Credit Card was closed. I remembered that i had received a notice in the mail in XXXX XXXX XXXX from Barclays Bank that they are closing my Uber Visa Credit Card due their decision of canceling that Credit Card program offer and I had a XXXX balance on the account. The representative on the phone told me the card was closed in XXXX XXXX XXXX. I then asked how a charge could be made in XXXX of XXXX when that credit card was closed in XXXX of XXXX. She said she could not answer that and I would need to speak with XXXX XXXX XXXX. They asked if I wanted to be transferred to them or be given a phone number. I asked for both. The phone number they provided was not the phone number from the XXXXXXXX piece of mail on how to contact them. When I was transferred, it connected me to " You have won a {$100.00} gift card ; press 1 for a dining gift card or press 2 for a shopping gift card. '' I navigated to the person to speak with. They said thank you for contacting the XXXX XXXX XXXX XXXX Department. How would you like to receive your reward? I asked to speak with someone about my debt. They said they could not connect me to that department. All they handle are rewards. I ask, are you XXXX XXXX XXXX? They d? connected the phone. I called the number, and the exact steps happened with winning the gift card. They disconnected when I asked if they were XXXX XXXX XXXX. 
I had written by mail at their request for a response if I dispute or accept the debt. I responded that I disputed the debt because it was a fraudulent charge made in my name under my account and created under a closed credit card account. I then looked into all three major credit reports, which had potentially harmful reporting on my Barclays Bank Credit Card Account. I filed a dispute with XXXX XXXX and XXXX. I was a victim of the XXXX XXXX XXXX XXXX. Both Credit Reports responded that my dispute was accurate and some adjustment has been made on my credit report. In XX/XX/XXXX, Barclays Bank sent me a letter stating that my dispute was inaccurate and that they would reverse my disputes in my credit report. I again called them this time. The only difference was my account now had a balance, and I had to pay {$2500.00} for the account to be in good standing. I connected to speak with a fraud representative ; again, they could not answer any of my questions. They stated that I owed them a debt and had to contact XXXX to resolve this debt. I asked about other options because I had experienced aud/scam wibyontacting XXXX XXXX XXXX and refused to do that. They told me I had no other choice but to contact them.

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