Barclays Bank Delaware
Barclays Bank Delaware (Barclays) provides financial products and services, including consumer credit cards for travel, retail, entertainment, and business expenses. Barclays was founded in 2000 and is based in Wilmington, Delaware. According to its website, Barclays’ core values include respect, integrity, service, excellence, and stewardship.
A review of Barclays’ profile on the Better Business Bureau’s website indicates that Barclays does not always practice its core values. Barclays has received numerous complaints for engaging in unfair, deceptive and abusive debt collection practices. In the last three (3) years, the Better Business Bureau has received 1,128 consumer complaints against Barclays. Of those 1,128 complaints, 589 complaints have been related to Barclays’ billing and debt collection practices. Consumers most commonly complain that Barclays makes repeated and harassing phone calls as well as attempts to collect debts that are not owed by the consumer.
After receiving repeated calls from Barclays regarding a debt, a consumer sent a letter requesting that the company cease all communication with the consumer. Unfortunately, the harassment did not stop. Barclays continued to call multiple times daily, including up to five (5) calls in one day.
The Fair Debt Collection Practices Act (FDCPA) and the Rosenthal Fair Debt Collection Practices Act (RFDCPA) prevent creditors and debt collectors from abusive and harassing debt collection practices. This includes calling consumers repeatedly or continuously with the intent to annoy, abuse or harass. Although federal and state law does not state the exact number of calls that would constitute harassment, there is a large volume of case law that interprets three (3) or more calls a day from the same debt collector to be harassing.
The consumer filed a complaint with the Consumer Financial Protection Bureau (CFPB), which is a Government agency charged with protecting consumers from unfair, deceptive or abusive debt collection practices. Barclays settled the complaint and provided monetary relief to the consumer.
Creditors and debt collectors should be held accountable for these unethical and unlawful practices. If you are being harassed or subjected to any of these, deceptive, or abusive debt collection practices, it is time to hold Barclays accountable. Please contact our office for a free, no obligation consultation at 1-800-219-3577.