Consumer complaint received 2023-05-29
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Request for Reconsideration of Late Payments Reporting Dear Barclays Bank Delaware, I hope this letter finds you well. I am writing to request your kind consideration regarding the late payments that are currently being reported on my credit report. I am an account holder with Barclays Bank Delaware, and my account number is XXXX. 

First and foremost, I would like to bring to your attention the unforeseen circumstances that led to the late payments on my account. As you may be aware, the XXXX pandemic has impacted countless individuals worldwide, and I unfortunately fell victim to its effects. I contracted XXXX at the time, which resulted in a severe deterioration of my health. 

Due to the severity of my condition, I was admitted to the hospital for an extended period, during which I was unable to fulfill my financial obligations promptly. Regrettably, this health crisis coincided with an unexpected loss of employment, which further exacerbated my financial difficulties. The combination of medical bills and a sudden loss of income placed an immense burden on me, making it challenging to meet my payment obligations. 

To compound matters, the emotional strain caused by these circumstances took a toll on my personal life as well. Tragically, my beloved dog, who had been my source of comfort during this challenging time, passed away. The emotional devastation and grief from this loss further hindered my ability to manage my affairs effectively, including ensuring my financial responsibilities were met. 

In light of these extraordinary circumstances, I kindly request your reconsideration to update the late payments on my credit report. I understand that your institution has the discretion to make adjustments in situations where customers have faced significant hardships beyond their control. Given the global impact of the XXXX  pandemic, I believe my case aligns with the intent of the Cares Act, which emphasizes relief and assistance to individuals facing financial hardships caused by this unprecedented crisis. 

I kindly request that you update the late payments on my credit report to " paid as agreed '' to accurately reflect my current financial status. This adjustment would greatly alleviate the negative impact on my creditworthiness and provide a fair representation of my commitment to meeting my financial obligations. 

I am committed to restoring my financial stability and demonstrating responsible financial behavior moving forward. I understand the importance of meeting my payment obligations and intend to make all future payments in a timely manner. 

Thank you for your understanding and consideration in this matter. I sincerely hope that you will grant my request for the adjustment of the late payments on my credit report. I am confident that Barclays Bank Delaware, as a reputable financial institution, values its customers and supports them during times of unforeseen hardship. 

I appreciate your attention to this matter and eagerly await your positive response. 

Yours sincerely, XXXX XXXX

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