Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this formal complaint against Barclays Bank ( hereafter Barclays ) for : - Illegally continuing to collect payments on credit card accounts that have been securitized and sold into a trust ; - Repeatedly refusing to validate the debt as required under federal law ; - Continuing to report derogatory, inaccurate information to credit bureaus ; - Failing to provide legally mandated documentation concerning the transfer and securitization of my accounts ; - Causing significant damage to my credit score and financial reputation. 
Accounts in Question - Account ending in XXXX - Account ending in XXXXXXXX XXXX  of Correspondence XX/XX/XXXX : Sent first certified letter demanding validation under the Truth in Lending Act ( TILA ) and a cease in adverse credit reporting under the Fair Credit Reporting Act ( FCRA ). 
XX/XX/XXXX : Sent second certified letter requesting full securitization and tax-related documents under TILA, the Securities Exchange Act of XXXX, the Dodd-Frank Act, and the Internal Revenue Code. 
XX/XX/XXXX : Sent third certified notice explaining that Barclays Bank has no legal authority to collect on the account post-transfer into the Barclays XXXX XXXX XXXX, per the official XXXX Prospectus. 
XX/XX/XXXX : Sent fourth and final letter reiterating Barclays lack of legal authority and citing state and federal laws they are violating. I demanded a written response within 10 days. No such response has been received.

Violations of Law 1. FDCPA 15 U.S.C. 1692g : No validation of debt was provided despite multiple written requests.

2. FCRA 15 U.S.C. 1681s-2 : Barclay continues to furnish negative credit information while the debt is in dispute.

3. TILA 15 U.S.C. 1601 et seq. : Failure to disclose full terms, securitization, and ownership changes. 4. Securities Exchange Act 15 U.S.C. 78m : Failure to disclose sale of receivables and continued misrepresentation of ownership.

5. Internal Revenue Code 26 U.S. Code 7201 : Possible tax evasion through collection on non-owned receivables.

6. Florida Statutes 559.72 ( 9 ) : Attempting to collect on known illegitimate debt.

7. Florida Statutes 817.41 : Misleading representations about ownership and servicing. 
Key Evidence - Prospectus Dated XX/XX/XXXX ( SEC Form XXXX Barclays Dryrock Issuance Trust ) proving the receivables were sold.

- Copies of all four certified letters.

- Green return receipts.

I am filing this formal complaint against Barclays Bank ( hereafter Barclays ) for : - Illegally continuing to collect payments on credit card accounts that have been securitized and sold into a trust ; - Repeatedly refusing to validate the debt as required under federal law ; - Continuing to report derogatory, inaccurate information to credit bureaus ; - Failing to provide legally mandated documentation concerning the transfer and securitization of my accounts ; - Causing significant damage to my credit score and financial reputation. 
Accounts in Question - Account ending in XXXX - Account ending in XXXX Chronology of Correspondence XX/XX/XXXX : Sent first certified letter demanding validation under the Truth in Lending Act ( TILA ) and a cease in adverse credit reporting under the Fair Credit Reporting Act ( FCRA ). 
XX/XX/XXXX : Sent second certified letter requesting full securitization and tax-related documents under TILA, the Securities Exchange Act of XXXX, the Dodd-Frank Act, and the Internal Revenue Code. 
XX/XX/XXXX : Sent third certified notice explaining that Barclays Bank has no legal authority to collect on the account post-transfer into the Barclays XXXX XXXX XXXX, per the official XXXX Prospectus. 
XX/XX/XXXX : Sent fourth and final letter reiterating Barclays lack of legal authority and citing state and federal laws they are violating. I demanded a written response within 10 days. No such response has been received.

Violations of Law 1. FDCPA 15 U.S.C. 1692g : No validation of debt was provided despite multiple written requests.

2. FCRA 15 U.S.C. 1681s-2 : Barclay continues to furnish negative credit information while the debt is in dispute.

3. TILA 15 U.S.C. 1601 et seq. : Failure to disclose full terms, securitization, and ownership changes.

4. Securities Exchange Act 15 U.S.C. 78m : Failure to disclose sale of receivables and continued misrepresentation of ownership.

5. Internal Revenue Code 26 U.S. Code 7201 : Possible tax evasion through collection on non-owned receivables. 
XXXX. XXXXXXXX XXXX XXXXXXXX ( XXXX ) : Attempting to collect on known illegitimate debt. 
XXXX. XXXXXXXX XXXX XXXX : Misleading representations about ownership and servicing. 
Key Evidence - Prospectus Dated XX/XX/XXXX ( SEC Form XXXX Barclays XXXX XXXX XXXX  ) proving the receivables were sold.

- Copies of all four certified letters.

- Green return receipts.

- Recent credit reports with late payment notations post-dispute.

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