Consumer complaint received 2018-04-06
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 status incorrect

Complaint:
Hello, I have already tried to deal with this through XXXX, but they were zero percent helpful. There is no accountability in their dispute department, in fact you can't even speak with a human being, only write them letters. Here is what happened regarding my XXXX XXXX XXXX XXXX : On XX/XX/XXXX I got a notice from XXXX that I had missed my payment. It was due the day before, on XX/XX/XXXX. I immediately called them to make a payment, and also set my account up for auto pay so this would not happen again ( I have never missed a payment on ANY of my cards, EVER ). The gentleman I spoke to was nice in that he agreed to waive my late fee. He also guaranteed me that since it was only 1 day late it would not affect my credit score/report. He processed a total of {$32.00} which covered the missed payment as well as the current balance. He CONFIRMED WITH ME that the payment had gone through and that we were all set, so we hung up. His employee ID is XXXX. 

When I received my next statement from them ( see attached billing statement XX/XX/XXXX through XX/XX/XXXX ) it confirmed that I had indeed paid the {$32.00}. Please refer to the section that says 'minimum payment due : {$0.00} '. Also 'statement balance : {$0.00} ' And on the reverse side 'Payment received : {$32.00} '. This of course says that my account is in good standing. Right? 

The following statement ( attached statement XX/XX/XXXX through XX/XX/XXXX ) was higher than the typical amount I pay, so again I called them this time to ask about the transaction description on the back that is titled 'unable to locate account '. This was on XX/XX/XXXX. I spoke to a woman who was very nice, but didn't seem to have a good grasp of her job or what was going on with my statement. She was unable to explain to me what 'unable to locate account ' meant. I explained to her that I had called in last month and they had waived a late fee for me, and I asked her if that was the late fee still on my account. She said that was probably it but it should get resolved with my next billing cycle. I was now on autopay so I didn't give it another thought. Her employee ID is XXXX. 

There are transcripts of both of these phone calls. 

Flash forward to XX/XX/XXXX, when I glance at my credit score and see it has dropped by nearly 60 points! I naturally thought someone had stolen my identity, so I requested my free annual credit report. That is when I discovered that XXXX had reported a 30 day past due to the 3 credit bureaus. I called them directly which is when I started collecting all this information, but they said they were unable to help me. I had to submit everything in writing to their dispute department ( which has no phone number ). So I did that, as well as disputing it with the 3 credit bureaus. All to no avail. 3 days ago I got the return letter from XXXX saying they see nothing wrong, sorry, have a good life. 

It is criminal that they be allowed to perform their own investigations with no oversight, ignore factual evidence that PROVES beyond a shadow of a doubt that they are wrong, and issue judgement in a matter that can negatively affect someones livelihood.

Company response to consumer: Closed with explanation