Consumer complaint received 2019-12-02
Company: BARCLAYS BANK DELAWARE
State: FL
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:
I am in receipt of your letter dated XX/XX/2019. Although your letter is partially correct, there are some issues that have not been resolved. I will list below, again as I have written this numerous times. 

In XXXX, a representative put my account in bankruptcy, which was determined incorrect based on the telephone conversation recorded and your investigation. This change in my account resulted in my auto payment for XXXX to be removed and my account no longer accessible. You agreed to make my account current and report same with the credit bureau for XXXX, which you did. 

I was set up on the payment plan XX/XX/XXXX which I was told would remove any late notations, reduce interest rate and APR rate. This did happen and {$59.00} was made that same day. However, 2 days later it was reported late to the credit bureaus. 

On XX/XX/XXXX, Barclays took {$340.00} from my account instead of {$59.00} that I set up. I contacted Barclays customer service and collections numerous times and told it was in the process to be refunded. I never received the refund until I contacted my bank. It was not a courtesy refund from Barclays. I asked Barclays again to refund the difference and apply {$59.00} to my XXXX payment. To date, that did not happen and I made {$59.00} payment Friday. 

On XX/XX/XXXX, {$59.00} was taken from my account and cleared my bank. 

Now the problem and this is a serious problem. Barclays is reporting me to the credit bureaus 3 months past due for XXXX, XXXX and XXXX. This is grossly inaccurate. I sent documentation of the XXXX, XXXX and XXXX payments to Barclays. How hard is it to fix this with the credit bureaus? I have been dealing with this since XXXX because your employee took it upon herself to change my account status. If she had left well enough alone this would be a moot issue. 

Here is what is happening, the right hand is not talking to the left hand. All you have to do is report my account current with the Credit Bureaus for XXXX through XXXX for the payments I made. It's plain and simple. 

Four months is too long and my patience is gone. You clearly have received the payments and documentation has been forwarded to Barclays, yourself and Mr. XXXX. 

I received an email that someone would be contacting me within 24-48 hours to discuss my case. That was 4 days ago. No contact. Mr. XXXX also emailed me that someone would be contacting me. No contact has been made. You, Ms. XXXX stated in emails you tried to reach me but were unsuccessful. This is also incorrect. You have not answered any of my calls or emails until this XX/XX/XXXX letter. I have records and documentation of the dates, times and content of my contacts with Barclays, Mr. XXXX and yourself. 

This in one of many emails I have sent to MsXXXX XXXX in the Office of the President has done unanswered and resolved.

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