Consumer complaint received 2022-10-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Today if I may, I want to speak with you about a growing concern I have. With how the creditor Barclays Bank Delaware continue to violate my rights I have under the Fair Credit Report Act. I have been continuously fighting with this creditor about errors and inaccuracies with account information provided on my credit reports that I want corrected. 

The creditor Barclays Bank Delaware continue to refuse to follow the guidelines provided by the Consumer Financial Protection Bureau and the CARES ACT during the Covid19 pandemic. In XXXX, the Consumer Financial Protection Bureau released a policy statement outlining the responsibility of credit reporting companies and furnishers during the Covid-19 pandemic. When Congress passed the CARES Act, it required lenders to provide struggling borrowers payment " accommodations. '' In the CFPB statement it warned lenders they must comply with the CARES Act. Which requires lenders to continue to report to the credit bureaus that consumers are current on their loans and paying as agreed " if consumers have sought relief from their lenders due to the pandemic. '' It also requires lenders to report " Accurate information '' to credit bureaus relating to the relief. 

However, creditors like Barclays Bank have failed miserably at abiding by the laws of the FCRA Act. I would like to bring to your attention one of my creditors, Barclays Bank Delaware, failing to conduct " reasonable investigations '' into my disputes about errors on my reports. I have two now charged off accounts with Barclays Bank Delaware. In XXXX of XXXX, I contacted the creditor asked for and received a Covid-19 payment relief accommodation. I know your first question is whether I was given any documentation? However, my creditors never gave any documentation about approvals for the Covid-19 relief program. I was always told it would be noted internally and the information " Pays as Agreed '' would be submitted monthly to the credit bureaus. To prove that point, I called and spoke to one of XXXX 's representatives XXXX XXXX. 

I called Barclays Bank ; it was my intent to request a letter verifying the XXXX relief program I was in. I spoke with rep " XXXX, '' He confirmed with his supervisor Barclays do not send out confirmation letters. He and his supervisor stated it was an internally noted thing due to the XXXX crisis that they enrolled consumers in the program. He further stated the notation is in their system. The rep stated that the program was only for three months. However, this is not accurate either according to Barclays records, my credit reports, and the guidelines of the CARES Act. Per the review of my XXXX, XXXX, and XXXX credit reports, they all have the same payment information records for Barclays Bank Delaware. My last payment was " XX/XX/XXXX. '' However, from XXXX to XX/XX/XXXX, payment information was submitted to the credit bureaus " Pays as Agreed. '' My point is, regardless of whether Barclays is stating the relief program I was enrolled in was 3, 6 or 12 months. Bottom line is I was enrolled in one of their Covid-19 relief programs for accommodations. My dispute with this creditor has been that I was approved for one of theirrelief programs, I never missed a payment prior to my enrollment, and I asked the creditor to investigate, verify the accommodation and submit accurate information back to the bureaus. If my last payment was XXXX of XXXX, the question becomes who paid or deferred payments for the months XXXX through XXXX? To date, the creditors and the credit bureaus have failed to provide any adequate " reasonable investigation '' into my disputes. Challenges were last sent via electronic disputes to Barclays Bank on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX. To-date, there has been no response to my verification challenges from the credit bureaus or Barclays. Per the rights given to me under the FCRA Act, if information can not be verified it must be deleted. 

Another issue I am having with the creditor is their failure to mark my credit accounts appropriately. For example, under the Reinvestigation section of my credit reports, it states, " This item was updated from our processing of your dispute in XX/XX/XXXX '' However, per the conversation between Barclay rep and I XX/XX/XXXX, at that time you can hear me ask the rep when my last dispute was received? Per the rep XXXX, my last dispute was received by Barclay in XX/XX/XXXX. I have submitted several disputes since then in XXXX. To date Barclays Bank has ever acknowledged my disputes or sent any written responses. 

Barclays Bank 'Delaware has continued to violate my right under the Fair Credit Reporting Act? For failing to update records, failure to follow guidelines for settling disputes, furnishing, and reporting inaccurate information, failure to furnish accurate information, failing to follow proper investigation procedures, Creditors giving credit reporting agencies inaccurate financial information and withholding notices about their investigations.

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