On XX/XX/XXXX I realized I had a {$40.00} balance charged into my account as an annual fee. At this time, Barclays had not notified me of any pending balance in my account. I have not received statements on email, mail, mobile app, or text message as a notification of a balance due. 

On XX/XX/XXXX, I talked to Collections agent at Barclays # XXXX whom I asked about my email and she said that it was incorrect. Barclays has an XXXX email that I have not used since XX/XX/XXXX. This person was very rude to me as she interrupted me and would not let me explain correctly that this balance was an annual fee and not revolving credit. I had paid off this account before an annual charge of {$40.00} was put on my account. 

On this date of XX/XX/XXXX, I had to hang up the phone because I was driving and this balance had not been reported to the credit bureaus yet. I also paid the {$40.00} annual fee on this date. On the next day, credit-reporting agencies had notified me of a negative mark saying I missed payment. I believe that Agent XXXX submitted a request to an internal department at Barclays to report me as delinquent. At this point Barclays had not given me, nor this agent, the chance to pay off the annual fee of {$40.00} without reporting a negative mark to the credit bureaus. I am complaining against this agent and to Barclays for not notifying me or giving me the chance to pay this annual fee on time. 

Agent XXXX was rude to me, interrupted me during our conversation, and talked back as if I was nothing. Barclays customer service practice is detrimental to clients and average people like myself. I believe this agent, in retaliation, submitted a request to report a negative mark to my credit report without explaining the policies or providing me information so that I could understand the process not receiving statements or notifications via web, email, mobile app, text message, or phone call. This practice is one that most banks are good at except that Barclays do not seem to care about clients and customer service agents like XXXX are allowed to be verbally and mentally abusive. 

I called today XX/XX/XXXX and spoke to XXXX, agent # XXXX, and she stated that I could send this letter by fax or email. After she reviewed my account she stated on a recorded line that Barclays does not have a fax number to receive an FCRA Dispute Letter. That it can only be received by mail. Again, it feels like I am being misdirected to disputing this as a way to slowdown the process or prevent a person with XXXX from being able to do this on a timely fashion. It is also costing money and time to send a mailing letter. I am concerned that for immediate disputed there is no fax number. 

I have been on work XXXX since XX/XX/XXXX due to several acute conditions arising from XXXX XXXX XXXX surgeries that I can provide documentation for. I have been under the care of XXXX XXXX XXXX, XXXX and XXXX XXXX, XXXX at the XXXX  XXXX XXXX  XXXX for these condition since XX/XX/XXXX. 

I have strict limitations from going online and looking at a computer monitor since I am highly susceptible to XXXX XXXX and might triggered XXXX XXXX I am still on XXXX and was on XXXX on the dates of this incident. 
At this time, I am requesting to remove all negative marks from missed payment reported on XX/XX/XXXX. I had paid off this balance on XX/XX/XXXX. Please remove all negative at all major credit bureaus including but not limited to XXXX, XXXX, and XXXX.