Consumer complaint received 2022-10-26
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My husband and I ( both Barclay card holders ) re-financed our home in late XXXX through XXXX XXXX ( XXXX. ) In the refinance, we used equity to pay off or down XXXX loans/credit cards. We were furnished checks from our lender to mail into our credit card/loan companies. All were carefully mailed in to each of our creditors with checks made out to the specific companies ; we made sure to include most recent statements and account numbers etc. One of the largest checks, {$17000.00}, was made out to Barclays Credit for my credit card. Another was my husband 's Barclay card for {$6200.00}. All 7 of the checks were made at a United State Post Office, snail mail, on XX/XX/XXXX. All of the other payments were promptly received ( including my husband 's Barclay card payment ) within a week or two. I started getting threatening letters from Barclay saying I had not paid within 8 or 9 days after XX/XX/XXXX. I called Barclays and was treated rudely, and told I had to wait 15 days by company policy for them to reflect payments. I refused to pay more feeling that {$17000.00} was plenty on my payment for XXXX which was due XX/XX/XXXX. ( Of course by that time they were piling on late-fees etc. of {$300.00} or {$400.00} more ). Fearing that the {$17000.00} payment had been lost in the mail, I called our Mortgage company, XXXX XXXX, and received, in writing, that the Barcly Bank card check of {$17000.00} cleared on XX/XX/XXXX. During this time my husband and I both called Barclay and were rudely hung up upon when we asked to speak to a manager - twice in one night. I was so upset, my husband made the contact for me and he was hung up upon also. A week ago the same person ( XXXX? ) who hung up on us called me and admitted Barclays system had had a problem or glitch on XX/XX/XXXX or XXXX, but they should be back with us in a week. That was a week ago. Today my husband received a letter saying his credit had been limit dropped from {$7000.00} to like {$2000.00}. ( Keep in mind, his income has not changed in some 10 years ) I received a threatening letter stating I had not yet made my XXXX payment and would be sent to a credit agency. My husband and I are seniors ( husband XXXX and I nearly XXXX ) and this has been terribly stressful. I do not care to contact Barclays further given the rude treatment we've received ( although " XXXX '' last week did kindly notice that I had never once been late on a credit card payment until this XXXX " lateness. '' Last Wednesday she said I now had a case id of XXXX, and that I would hear something in one week. 

Tomorrow, XX/XX/XXXX, will mark exactly one month since my payment to Barclay 's was mailed in. Meanwhile in continue to get threatening letters from Barclay saying I have not made my XXXX payment, and my credit score is being damaged by their failure to put this payment on the books. I do not know where else to turn.

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