Consumer complaint received 2017-06-19
Company: BARCLAYS BANK DELAWARE
State: NY
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: Their investigation did not fix an error on your report

Complaint:
Dear Consumer Financial Protection Bureau. Until recently, I enjoyed a near perfect credit history. I take considerable measures to ensure that I retain this standing as this is very important to me personally and professionally. In XXXX XXXX, I decided to increase my available credit by applying for the Barclays Ring MasterCard and was approved for a {$12000.00} credit limit. I signed on for paperless statements at that time. The card remained unused, until it happened that on XXXX XXXX and XXXX XXXX I mistook my Barclays card for the one I usually use. On those two days I used it to pay for a total of {$1.00} in parking fees and {$17.00} for food, for a total of {$18.00}. I have not used the card since. I received NO monthly statements, electronic or otherwise notifying me that I owed anything until an email dated XXXX/XXXX/XXXX informing me that my account payment was two months late. I then received my FIRST online monthly statement EVER on XXXX/XXXX/XXXX indicating that I owed {$64.00}. I became aware of these two emails on XXXX/XXXX/XXXX at which point I immediately paid off the full balance on my card and signed up for automatic payments. I contacted Barclays on XXXX/XXXX/XXXX as soon as I became aware that my credit report had already been hit with a late payment notification. I was instructed by Barclays to make a formal request in writing. I was asking to have the late payment report be retracted, given the fact that I had not been notified about the charges that were pending. After a review period, Barclays denied my request. I am writing the Consumer Financial Protection Bureau now to help me appeal this decision. I believe that Barclays is primarily at fault for not having notified me ( in writing or electronically ) that my account was in arrears. Had I simply known about my late payment status, I would have immediately payed the balance not only to avoid late payment charges, but most importantly to preserve my good credit standing. I have attached ALL communications between Barclays and me since the initial account was opened. You can see by the records that Barclays had ample capacity to notify me ( as is their duty ) but chose not to do so. As soon as I received my first notifications, the record shows that I acted promptly to resolve the matter. By that time Barclays had already submitted their late payment report to the credit agencies. They are now refusing to reverse this report and they take no responsibility for the chain of events. This decision by Barclays is hurting my credit score significantly and my personal life financially. I request that Barclays take the necessary measures to remove these negative reports from my credit history. I believe that Barclays has been negligent in their duty to inform me of my account being in arrears and that their actions in causing me real damage. I hope that the CFPB can help resolve the issue I 'm having with Barclays. I will escalate this matter to a lawyer need be.

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