Barclays PLC Debt Collection Complaint

Credit card Communication tactics threatened to take legal action

Barclays PLC Debt collection department,

Credit card Communication tactics Threatened to take legal action Kansas

On - -, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a - - who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " - '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " - '' own admission the collection agency does not sue people. Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. I also feel the name - - - is deceptive as it implies they are a location company, not a debt collection agency. Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

Barclays PLC customer in Kansas
Jan 05, 2017

* Source: CFPB Complaint Database

Barclays PLC response to complaint:
Closed with explanation

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