Consumer complaint received 2019-05-22
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please update the status of account to paid in full. payment in full was received by XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$9400.00}. This information must be shared with XXXX, XXXX, and XXXX. 

Background. 

On XX/XX/XXXX Barclays Bank Delaware charged off account number ( 'The account ' ) with a balance of {$9400.00}. 
The account was subsequently sold to XXXX XXXX XXXX ( 'XXXX ' ). XXXX contacted me, XXXX XXXX ( 'The account holder ' ). 

The charge off was reported on the account holders credit reports - with trade lines from barclays bank stating a charge off, and XXXX stating an open collection account. 

On XX/XX/XXXX XXXX received payment in full from the account holder via electronic payment, the amount was {$9400.00}. XXXX confirmed receipt on the phone ( XX/XX/XXXX ) and assured the account holder that Barclays Bank Delaware would be informed. On XX/XX/XXXX XXXX issued a letter to the account holder confirming receipt of payment and a XXXX balance for the account holder. 

Starting on XX/XX/XXXX the account holder has called Barclays Bank Delaware several times to request that the account holders credit report be updated to reflect the paid status of the charge off. 

During the months of XXXX and XXXX the account holder filed a dispute with XXXX regarding the status of the account. XXXX contacted Barclays Bank Delaware and confirmed that the even though the customer disagrees with the account status Barclays Bank of Delaware reaffirms its unpaid status. 

On XX/XX/XXXX Barclays Bank Delaware received the request to update the account holders credit report to Paid in Full via certified mail the request contained the Paid in Full letter from XXXX including the account number and all relevant information. 
The following week ( week of XX/XX/XXXX ) the account holder called Barclays Bank Delaware and was told by Barclays Bank Delaware that the documentation was not received. 

On XX/XX/XXXX the account holder contacted XXXX Bank Delaware via phone and was connected with the XXXX department. A representative from the XXXX XXXX stated that documentation had not been received and it should be faxed to the XXXX group at XXXX. The representative also stated that the process to complete this request would take 2 business days. 

Later that same day on XX/XX/XXXX the account holder faxed the proof of payment of the full account balance, documentation which was sent to him by XXXX, receipts of the certified mail previously sent and attachments, and a request to amend the account holders account status to Paid in Full with the credit reporting Bureaus. 

On XX/XX/XXXX Barclays Bank confirmed receipt of the documentation via telephone. 

On XX/XX/XXXX the account holder called Barclays Bank Delaware and was told that 1. His request is being reviewed 2. That his request had been sent to the FCRAthe FCRA is not an actual organization it is an Act of the United States Congress. 

Fed up with the lack of progress the account holder has decided to file a formal complaint with CFPB.

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