Consumer complaint received 2023-07-10
Company: BARCLAYS BANK DELAWARE
State: GA
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: Problem with personal statement of dispute

Complaint:
1 ) Barclays took over a branded XX/XX/XXXX card from XXXX in XX/XX/XXXX 
2 ) For 3 years I used XX/XX/XXXX, and paid XX/XX/XXXX with 0 late pays or problems. In fact, I've had a credit history since XXXX, and never had a Late Pay on any card, loan, or obligation, and have an unblemished credit report in terms of never being late for > 35 years as a consumer. 
3 ) Barclays did a horrible job in conversion in verifying correct email address, apparently.

4 ) I have talked to 6 Barclays Reps since XX/XX/XXXX to try to resolve this issue. 
5 ) From all these conversations- this appears to be the facts : - Account conversions from XXXX to Barclays for XXXX cardholders took place XXXX, XXXX. 
- I was receiving emails from XXXX and Barclays in advance of conversion at XXXX. 
- Barclays did very little in terms of email validation. For instance, in setting up this CFPB comparing there is an email verification that takes place. Barclays did not do any email validation when I was asked to setup an account with Barclays. 
- It appears Barclays, even though they had my correct email initially from XXXX, allowed for a typo to result in account setup, or Barclays set up my email wrong. Email was set up as XXXX -- according to my phone conversation with a Barclays rep. 
- I use the card very little, so initially had a pay problem in fall, but rectified it before credit report was hit. Barclays did not ask for email verification at that time either. 
- My wife used card in XXXX, XXXX - unknowingly to me. The bills were not coming to me, as the Email address was wrong. 
- In XXXX, XXXX I was alerted by XXXX XXXX  of a 30 day late pay notice. I've never had one of these in 35 years of credit usage. 
- I immediately called Barclays, on XX/XX/XXXX - and paid the bill in full. I had not received the Any Bills from Barclays --- they said the email address was with the wrong two " ee 's '' in my name was valid, so they won't change the late pay notice on my credit report. 
My credit report dropped XXXX points with on bureau. 
- Everyone at Barclays agrees I had wrong email, it is corrected now. But, no one will go back and make a " technology error '' adjustment and remove the Late pay. They say I have to have it on my report for the next 7 years. 
- Now, I'm getting emotional because of writing this. After XX/XX/XXXX hours of conversations with 6 representatives, still no one will repair / correct this issue. 
- Barclays is taking now responsibility for poor conversion practices, that didn't validate emails, and not taking an consumer friendly approach to fixing a mistake. 
- The late pay was only {$400.00} by the way, and it was paid within one hour of me realizing there was an outstanding balance. My wife 's use of the card ( and me not knowing ), and her thinking it was on " auto pay '' are the additional details that explain the mistake. 
- I remain Shocked that no one at Barclays will be more reasonable to this, given the whole problem arose from an Account conversion without adequate controls in place to avoid an accidental typo that occurred.

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