Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XX/XX/year>XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX, IA XXXX Re : Ongoing Dispute XXXX XXXX with XXXX Rewards account ending in XXXX Complainant : XXXX XXXX To Whom It May Concern, This letter serves as yet another formal dispute regarding the above-referenced account. I am appalled at Barclays continued evasive, dismissive, and inadequate responses to my repeated disputes and demands for validation. Barclays has failed to provide any legally sufficient documentation proving the legitimacy of this alleged account, its origin, or my alleged liability. 

Barclays XX/XX/year> letter is nothing more than a regurgitation of their prior dismissals, once again sidestepping my demand for validation. Simply stating that no new information has been presented does not absolve Barclays of its obligation under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable consumer protection laws to investigate, validate, and correct false reporting. Re-sending copies of the same inadequate responses is not complianceit is willful neglect and an ongoing violation of federal law. 

I have disputed this account multiple times through Barclays directly and through the CFPB. Each time, Barclays has failed to provide : A signed original credit application proving I requested or authorized this account. 

Complete payment history, statements, or records establishing ownership and accuracy. 

Proof of assignment, ownership, or lawful right to collect/continue reporting this account. 

Instead, Barclays continues to parrot the same empty response, disregarding the seriousness of these disputes. This demonstrates not only a blatant failure to conduct a reasonable investigation under FCRA 623, but also a reckless disregard for my rights as a consumer.

At this point, Barclays refusal to comply

amounts to willful noncompliance and creates grounds for further legal escalation, including but not limited to : Formal complaints to the Office of the Comptroller of the Currency ( OCC ), Filing with my State Attorney Generals office, Pursuit of civil claims for damages under 15 U.S.C. 1681n and 1681o, and Potential private right of action for continued reporting of inaccurate and unvalidated information.

I demand, once again, that Barclays immediately : Delete this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ).

Provide full documentation validating this alleged debt, not recycled template responses.

Cease and desist from further collection or reporting activity unless and until full validation is provided.

This is your final opportunity to properly comply with the law. If Barclays refuses to act, I will have no choice but to escalate this matter through litigation and regulatory enforcement. 

I expect a substantive response within XXXX  days. Anything less will be documented as further evidence of bad faith and noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Consumer Financial Protection Bureau Enclosures XXXX Prior Barclays Correspondence

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