Consumer complaint received 2017-03-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm writing this credit dispute because a Barclay Credit Card company employee has made a mistake that has lowered my credit score by over XXXX points by charging me $ XXXX dollars in unpaid interest on a {$17.00} dollar balance that they neglected to tell me I would still have once my account was closed. I closed my account at XXXX eastern time and the " Ghost '' charge did n't post until after that. 

I closed my account with Barclay on XX/XX/2016 because I was not satisfied with their service and when I closed my account, I asked that they make sure to check that everything was taken care of and that I was 100 % paid off. I made sure to have them check for any " Pending Transactions '' to make sure this would n't happen. Once my account was closed, I cut up my Barclay card and did n't look in the review mirror for anything " Barclay '' since. I was under the impression that I paid my account in full, 100 %! 

Upon checking my other credit cards, I noticed that my credit score has dropped over XXXX points because Barclay has filed a " Delinquent Payment '' towards my credit score for the amount of $ XXXX dollars. 
I called their call center today at XXXX and spoke to a young lady that stated that I actually owed {$17.00} on top of what I already paid and now that it was delinquent and past due, I owe $ XXXX dollars. When I closed it on XX/XX/XXXX, I only owed {$790.00} dollars and I paid {$810.00} because I made sure to have the representative check for any " Pending Transactions '' and they said I only had one pending transaction and it would bring my total to {$810.00}. So I paid more than the {$790.00} on file because of the pending transaction and now I 'm finding out that I did have another " Pending Transaction '' that just happened to process on the same day I closed my account with Barclay and the representative did n't notice it or neglected to mention it. This other pending transaction made it to where I still owned Barclay {$17.00} when I was under the impression that my account was closed and paid in full 100 %, as the Barclay representative had informed me of on XX/XX/2016. 

Due to this mistake by Barclay and their representative, I now owe $ XXXX dollars to Barclay and my credit score has dropped XXXX points. I would like Barclay to acknowledge that this was their mistake and that I am not liable for the owed interest on a payment that I was unaware that I had and I would like them to withdraw their " Delinquent Payment '' from my credit score and make it to where they take full responsibility for this mistake and my credit score is restored. 

Barclay did n't send me any physical mail to inform me of this delinquent amount and they did n't call my number on file to let me know about it as well, even though they knew I had closed my account with them. They sent emails to my old email box that I do n't have access to anymore and that 's how they left it. 

In summary, thanks to a mistake by Barclays representative, I was under the impression that my Barclay account was paid in full 100 % and I had taken care of all " Pending Transactions '' on XX/XX/2016, which is why I paid {$810.00} and not {$790.00} ( That my account said I owed on XX/XX/2016 ) and now my credit score has suffered a negative mark of XXXX points due to the neglect and mistake of Barclay. 

I 've since had them remove all interest charges and I 've paid the remaining total of {$17.00}, and I 've requested that they remove any negative marks from my credit report and they refuse to do so. I do n't deny that I still owed {$17.00} when I closed my account, but I refuse to accept this punishment on my credit score because of Barclays neglect to inform me of this remaining amount, their mistake in telling me I was paid in full when I was n't and their neglect to contact me to inform me of this other than sending emails. 

Please help! 

Sincerely, 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 non-monetary relief