Consumer complaint received 2021-07-17
Company: BARCLAYS BANK DELAWARE
State: IL
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:
VIA USPS CERTIFIED MAIL # XXXX XX/XX/XXXX CARD SERVICES XXXX XXXX XXXX XXXXXXXX DE XXXX Extra Points Mastercard ... XXXX This correspondence serves as an official and final notice to Barclays in regards to the above refenced account.

FACTUAL BACKGROUND TO THE MATTERS.

1. Barclays neglected and consequently failed to inform and deliver account related incoming transaction alerts or awareness to XXXX XXXX via timely mobile text messaging or any other timely communication means. 

2. Barclays has not made XXXX XXXX aware of transaction submission accordingly with the Terms and Conditions and agreements, especially regarding very specific incoming charge related to fraudulent transaction submitted by XXXX XXXX XXXX, which action disabled XXXX XXXX from making constructive decision of transaction acceptance or disapproval. 

3. Barclays has not exhibited any required and obligatory actions in regards to XXXX XXXX 's representation in addressed by XXXX XXXX concerns related to the specific transaction dispute with the merchant involved, XXXX XXXX XXXX. 

4. Barclays exhibited far below than originally committed to and expressed less than " convenient '' and virtually absent dispute attempts on XXXX XXXX 's behalf and representation in account management.

5. Barclays exhibited negligence of commonly adapted statues and declaratory practices within regulations established in consumer representation process.

6. Barclays further exhibited lack of professional and respectful account management manners.

7. Barclays negligent performance provoked XXXX XXXX to close responsibly managed account by XXXX XXXX since XXXX. 

8. Barclays inappropriately reported account related alleged charges to credit bureaus which is damaging XXXX XXXX 's credit score/history. 

9. Barclays ignored XXXX XXXX 's request to discontinue any further process to already closed account related activities. 

10. Barclays displayed discriminatory practices related to the owner of the account XXXX XXXX by negligence in efficient communication via customer service personnel. 


PLEASE TAKE NOTICE that is demanded herein that all account alleged charges, interest charges, late fees and other charges to be dismissed immediately. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that all account related derogatory charges to be released from the records at ALL credit reporting agencies. 



PLEASE TAKE FURTHER NOTICE that is also demanded herein that clerks that are not correctly vocabularied or not to well versed discontinue any further contacts with XXXX XXXX via telephone. 



PLEASE TAKE FURTHER NOTICE that request is made to CEASE AND DESIST all further Barclays actions impairing XXXX XXXX 's professional and personal status.

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