Consumer complaint received 2023-12-07
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint against Barclays for providing misleading information and failing to take timely corrective action on errors in my credit reports associated with XXXX of my accounts, ending in XXXX and XXXX. These errors were not due to any fault of mine, but rather their autopayment system issue and incorrect information provided by their customer support. 

In XXXX, I was alerted to the issue when I received an email notifying me of a late payment on my accounts. After checking, I could not find any late payment information in their web XXXX, so, I immediately contacted Barclays ' customer service using their secure messaging system to confirm the details and source of this notice. During two interactions, I was assured that the late payment notifications were the result of their system errors and that my accounts were in good standing.

However, despite these assurances, the delinquent marks still appear on my credit reports. Further attempts to engage with Barclay 's customer service have resulted in misleading information, leaving me without a clear resolution and causing significant distress due to the impact on my creditworthiness.

The inaction and misguidance from Barclay Card Services have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own, but as a result of errors and poor customer service from the financial institution. Furthermore, their customer support does not take proactive actions to correct this issue from their end. 

I am contacting the CFPB for assistance in having the incorrect delinquent marks removed from my credit reports. In addition, I would like to address the issue of misleading customer service and the failure by Barclay Card Services to rectify these errors. It is their responsibility to acknowledge these concerns arising from their incorrect information provided in their written response and to actively take steps to resolve issues that originate from their end. They should not burden the customer with time-consuming actions This issue have not only affected my credit score but are also impeding my ability to make important financial decisions. It is particularly concerning that this situation has arisen through no fault of my own but as a result of errors and poor customer service from the financial institution. 

Enclosed, please find the printed XXXX communications records with Barclay Card Services via Barclays 's Secure Messaging system. Both are their responded information were incorrect. I am prepared to provide additional documentation as necessary. 

I appreciate your urgent attention to this matter and look forward to a prompt and equitable resolution.

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 monetary relief