Consumer complaint received 2022-03-09
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with Barclays Bank for a credit card that was closed in XXXX. I have tried unsuccessfully to validate the debt, make contact with someone to discuss payment in full or in settlement. They continue to report negatively every month without recourse or fair access to any means of communication. 

They were able to find my account over the phone, but would not transfer me to another department to remit payment or discuss the debt. Their customer service team will not respond to my disputes via all 3 bureaus in the last 2 months to validate the debt. I've included evidence of the last statement from XXXX, Attached here, and my willingness to pay. Nevertheless I do not get a call, email, letter, or any response. And if they truly believed the account to be fraudulent as originally believed, the tradeline should not be reported each month as a derogatory " CO ''. This refreshing as recently as XX/XX/XXXX as if the account was closed this month. This is inaccurate, unfair, and detrimental to my appearance as a delinquent debtor. 

My last letter sent via XXXX class US mail XXXX was never acknowledged. My follow up call was routed to a person who said they could not assist. Below is the letter text : " I am willing to pay {$300.00} for full final settlement of this account in exchange for an immediate deletion of this tradeline from any and all consumer reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX. 

This offer of settlement is not an admission or acknowledgment of the liability for this debt, but it is merely a way of having this negative item removed from my credit files. 

Please do not state you are unable, or it is against any law to delete this account. I am aware of both your rights as well as my own. It is in the authority of a furnisher of information to consumer reporting agencies to report a debt, not report a debt or delete a debt from all consumer reporting agencies. 

The purpose of this settlement is to merely have this item removed from all consumer reporting agencies. Certified funds in the form of a cashiers check or money order in the amount of {$300.00} will be sent to Barclays Bank Delaware, promptly if the following terms of this pay for delete agreement are met : Full deletion of any and all references to this account in my credit files. 
Full satisfaction of the debt. 
No waiting period for the debt to be deleted from the consumer reporting agencies since the debt will be satisfied via certified funds. Barclays Bank Delaware agrees to delete any and all information referring to this account from all credit reporting agencies, including but not limited to XXXX, XXXX, XXXX, and XXXX XXXX XXXX within fifteen ( 15 ) calendar days following receipt of full and final payment of agreed upon amount. 
Barclays Bank Delaware will not discuss the terms of this settlement with anyone and if contacted by any third party, including any consumer reporting agency, Barclays Bank Delaware will not acknowledge that any settlement offer was made, accepted, or executed and will deny knowledge of debt. 

If you agree to the terms and accept this agreement, I will send you certified funds immediately upon receipt of a signed agreement. The funds will be sent only if in exchange for it, you are agreeing to the above terms set forth and will be deleting this account from all consumer reporting agencies ( XXXX, XXXX, XXXX, XXXX ). This debt will be considered satisfied, there will be nothing more owed. ''

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