Consumer complaint received 2022-11-28
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX I received a letter dated XX/XX/2022 that Barclay XXXX XXXX had closed my account for being more than 90 days past due. 
I logged in to my account on XX/XX/2022 and reviewed the account. 
I owed {$5.00} in XXXX after paying off the balance- this was an interest charge because of the date that I paid. 
I did not realize that this charge had occurred. 
I received NO paper statements or emailed statements. 
I also received NO phone call since XXXX about this past due. 
Over the next months I received incremental late charges totaling just under {$100.00} when I logged in yesterday and paid the total amount. 
I called the XXXX yesterday and they were closed ( Sunday ). 
I called today and spoke to an agent who told me the following : 1. I should be receiving emailed statements- I confirmed my email address - this is strange because I have another Barclays cc and receive statements no problem ; I searched my email for every combination of possible email that I can think of and nothing is there - in fact, the last email I have about my account is from XX/XX/2022 from XXXX, the company that used to have the XXXX XXXX accounts before they switched to Barclays. 
2. I am not receiving paper statements 3. There was a cease and desist on my account so they could not call me - I do not remember telling anyone to not call me, so this is strange. I have never requested any credit card not to call me. I asked that that be removed which the representative said that she did. 
I asked the following questions, and the representative could not answer me : 1. Is my account going to remain closed 2. Was an adverse action reported to the credit bureaus- she said that they report past due payments after 30 days but could not tell me if a report had been made on my account 3. What email are my statements coming from - meaning what email does XXXX XXXX Barclay use to send electronic statements- this way I can search my email to see if I missed the statements- she could not answer that 4. How did I end up on a cease and desist list so that they couldn't call me - I do not remember speaking to anyone in the past and certainly do not recall telling them to never call me again. 
I asked to speak to a supervisor - after holding I was told that none was available but that they would call me back today. I asked that the cease and desist be removed so that the supervisor could call me. 

I am mostly concerned about negative reporting to the credit bureau for this very small amount of money - it seems unreal that this would happen for less than {$100.00}. 

I have no email of statements because I didn't receive any - all I have are statements which they have access to. And the letter that they sent me dated XX/XX/2022. I am happy to provide anything that would be helpful.

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