Consumer complaint received 2023-11-27
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2023 I made my regular minimum monthly amount due on my XXXX XXXX Barclays XXXXXXXX. A few weeks later I then decided to lower my balance so I set up another payment on their website for {XXXX} A few days later, unfortunately the payment did not clear my bank. The credit company again tried a XXXX attempt to clear the payment and it was denied. 

I then waited for the next billing cycle and the website told me my XXXX amount due was {$29.00} and I made that payment on time. It is important to note that up until now, I had never been late, missed any payments, nor was I in collections for attempt to collect a debt. 

A few weeks later in XXXX, I logged into the XXXX XXXX Barclays website and I was greeted with a Minimum amount due of over XXXX} dollars. I then spent from XX/XX/2023 until XX/XX/2023 ( XXXX Months ) trying to call them and ask why my Minimum monthly amount due was so high. 

For XXXX months I was given various different answers from all the account specialists that answered my calls. Some said it was an error due to the payment not clearing between XXXX billing cycles, others said they were collecting on the payment that didn't clear, then others said " Oh there isn't a problem your monthly amount due is around {XXXX '' and I had to tell them that my statements and the website told me my " Minimum monthly amount due '' was sky-high and now over {XXXX} due to late fees. I was told there is no problem just pay the " Monthly amount due, it's different ''. 

However, every time I called I was greeted that they were attempting to collect a debt. I even sent a XXXX certified mail letter to dispute my problem and my case was closed saying there was no error on my account. I called back furious and asked for a XXXX. I was given a XXXX and promised my problem would be resolved and that a different XXXX would call me back in a few days to resolve it. They never called me. I called back and my case had been reviewed and closed again claiming " no error on the account '' I was transferred to collections, and they told me " It's an error for sure, but it looks like the system can't catch up because there has been no activity since then. Can you make a payment or purchase? '' So I agreed to a XXXX XXXX  payment for XXXX} and waiting for the next billing cycle to roll on XX/XX/2023 and my minimum monthly amount due was still over XXXX} all because of the initial voluntary payment that didn't clear back in XXXX XXXX. 

By now, I found out I was being marked late each month on my credit reports. Even though I was disputing this very issue for XXXX months, Barclays marked me late XXXX XXXX, and then around XX/XX/2023 they Closed my account! 

I called back and was told my account was closed because I didn't make my Minimum monthly amount due for {XXXX} and the lady that read it to me was almost in shock as she read it. Then I asked for a XXXX and the XXXX told me after careful review in their " Back XXXX '' they do not plan to resolve my problem by putting my minimum monthly amount due back to normal and clearing my delinquent credit report and letting me resume payments. 

Problem : XXXX ) Barclays is blatantly violating the cards Terms and Conditions on how they shall calculate a XXXX XXXX. 

XXXX ) They threatened action against me to collect a debt that was caused by their own clerical/computer error while I was disputing the case XXXX ) They closed my account while I was disputing the case XXXX ) They Reported me delinquent to credit agencies for the problem while I was still disputing it XXXX ) They failed to send me a thorough explanation in writing on why they chose to not resolve my problem ( Even though they violated their own terms and conditions calculating the Monthly amount due ) XXXX ) They are discriminating against me as I exercise my rights under law to dispute my bill because they keep marking me late and trying to collect debt, and closing my account. 

XXXX ) Ultimately they are trying to collect on a returned payment, however the payment was an 'extra payment ' or 'a voluntary payment ', not XXXX scheduled on an invoice ( those were always paid on time ). 

If a friend says hey I'm going to give you {XXXX and you say sure, and you go to their home to get the money and the friend says " Oh-No, I'm really sorry but I don't have that after-all ''. Do you as a person then XXXX they give you the money the next month? XXXX sounds like XXXX 's does! 

If XXXX were to review the said terms and conditions it is clear they are in violations of calculating the monthly payment, and they are violating Federal Trade Commission laws and regulations in regards to the above listed problems.

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