Consumer complaint received 2022-01-13
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I had entered a repayment agreement from a judgement filed against me for a charged off Barclays XXXX credit card with the first payment due XX/XX/XXXX. I had made the first payments under this agreement at the agreed upon amount. In XXXX, I had started the process of purchasing a home. At the direction of my lender, I had tried contacting the attorney 's office handling the debt as well as the original creditor to see if I was able to make a lumpsum payment and/or if they are able to assist with anything additional if I pay the remaining balance off in one payment. I had never received a response from the attorney or the creditor. I had sent in the final payment that covered the remaining balance due under the agreement which was deducted from my bank account on XX/XX/XXXX. When Barclays reported the account update on XX/XX/XXXX, it had indicated the last payment made as well as a remaining balance of {$680.00}. I had been informed by my lender that this isn't uncommon and that typically the balance will zero out the month following the final payment made. My lender stated they he believes that since a third party was involved in the payment process ( payments sent to the attorney 's office made payable to Barclay 's ) there might be a lag in when Barclays receives the payment info and to ensure no returned payments before zeroing out the account. That didn't happen. XX/XX/XXXX, same balance and last payment were being reported. At this point, I had tried calling countless times to the attorneys officer and my calls were completely avoided ; no calls taken and no returned calls from voicemails left. I also tried contacting Barclays directly who in turn refused to assist me since the account was assigned with an attorney. Even after informing them that nobody has returned any of my calls and that I've completed my end of the agreement. These calls took place through XXXX, again after no changes to my credit via my XXXX update. I am getting closer to the close date and my lender needed to update final credit. As of today, the last update from Barclays to the bureaus still show the same balance and last payment made. I've included my credit reporting from them for the past 10 months. I've also included a copy of the settlement agreement, proof of each payment and the satisfaction of judgement. The final page of this attachment, which was agreed upon in XXXX and has all parties signature initially stated deemed as original XX/XX/XXXX which was crossed out and changed to XX/XX/XXXX. Additionally in the upper righthand corner of the consent judgement, there was an XX/XX/XXXX e-file date with a line through it followed by a XX/XX/XXXX date. Furthermore, the satisfaction of judgement wasn't signed until XX/XX/XXXX.

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