Barclays PLC Credit Reporting Complaint

Barclays PLC Credit reporting department,

Incorrect information on credit report Account terms Rhode Island

I had a - - - Card with a $0.00 balance. - apparently decided to switch their business to -. I did not want a - nor did I receive one. Several months later in - 2016, I received a bill from - - for -. I called and was told that I should have known about this and that I owed this money. When I asked what it was for they indicated that it was for the annual fee +late charges+interest. I asked how they could charge me an annual fee on a card that I had neither signed for nor asked for. - They indicated that they did not charge it, - - did ( I recd no bill from them ) and then - - transferred the charge to their -. They indicated they could reverse the the late fees etc. and make sure they did not get on my credit report if I agreed for them to send me a new card ( which meant paying the $40.00 ) I felt compelled to do this to keep my credit rating. Before I activated the new card, I checked my credit report and found they had reported


they could not do that without me giving my social security number, I told them I was calling the FTC and a supervisor was instantly found. I told the supervisor my story and told her that I did not want the card because they had lied to me about sending the information to the credit agency and charged me fees and interest once again even though I had no new credit card number to apply a payment to. She indicated that I could have cancelled the card last month when I spoke to the other person because it was within their time frame but now it was too late and I must pay the $40.00. I have now paid the $ - however, I feel I should not have to pay a fee for a credit card I could not and did not use for all these months - In addition, I feel my credit report should be wiped clean of this mess. I feel that it is fraudulent to charge a fee on one account after you have indicated you will not be doing business and then trade the charge to another account without the express ( written ) consent of the consumer. If this is legal please tell me in what section of the Federal Rules it resides and I will be looking to get the law changed in favor of the consumer. I want my fee refunded and my credit report cleansed. Thank you