Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (OH)

I have pasted the complant I sent to Barclays. I have attached a PDF version which has pictures. 

Addressed to " FCRA Credit Bureau Disputes '' XXXX XXXX XXXX, XXXX, Delaware, XXXX Customer Account & Contact Information : Credit Card Number/Account Number : REMOVED Name : REMOVED Address : REMOVED Phone : REMOVED Email : REMOVED Request : I request that your team contact the Credit Bureaus to have the negative remarks of 30 and 60 day late payments removed from my Barclays Credit Card account XXXX Please review the following timeline which includes the explanation and supporting evidence for my request. Your time on this matter is greatly appreciated, thank you in advance. 


Reason for dispute timeline with evidence : On XX/XX/XXXX, Via the Barclays account web page I had selected Make a Payment, then selected Current Balance and continued through the process to make the payment. At the time I believed this method would send a payment reflecting all charges I had made up to that point, and pay the dollar amount reflected from the Current Balance which is reported on the home screen when logged into my account. I.e. All charges placed would be included. Additionally, on the home screen I saw exact dollar amounts listed for all transactions and no {$1.00} pending charges as you would see when paying gas at the pump. 
Below : Screen Cap showing the Payment date of XX/XX/XXXX XX/XX/XXXX, I had received an alert that my Credit score had gone down. Upon investigation I discovered that the Barclays Credit Card was showing past due for the months of XXXX & XXXX across all 3 Credit Bureaus. 
Below : Screen Cap of the negative account status for months of XXXX and XXXX. 
XXXX XXXX XXXX The same day, XX/XX/XXXX, via the barclays web account & via a phone call with Barclays customer service I found a charge which happened on XX/XX/XXXX, XXXX day before I made the current balance payment, had posted on XX/XX/XXXX. The charge of {$6.00} was not included in the payment of XXXX. 
Below : Screen Cap showing purchase and post dates I explained to Customer service that by the wording of the payment I had completed I was led to believe all charges were included. Additionally, I had seen the exact dollar amount of the transaction in the transactions on the home screen before paying, thus believing it would be included to the balance in the payment. I stated this in the call and Customer service kindly requested the late payment fees be removed, which she stated would take some time. As a good show of faith I immediately paid the balance in full, including the late fees, which I knew would be credited. 
Below : Screen Cap showing same day payment after customer service call. 

Customer service informed me that she was unable to update the 2 negative remarks on my credit report and told me I would need to contact the Credit Bureaus. At which point, I opened Disputes against the remarks on XXXX, XXXX, and XXXX. In the disputes I had briefly described the situation, but was only allowed XXXX characters by each bureau, which is not enough to provide details of the situation. I also included screen shots of the fines Barclays had credited and the payment I had made on XX/XX/XXXX. 
On XX/XX/XXXX, once all 3 bureaus had finalized their review, in which they sent the disputes to Barclays for comment, I discovered that Barclays simply confirmed the negative comments and I do not believe the evidence I provided had been reviewed, or if it had the XXXX character limitation was not sufficient to describe the details. Thus, the negative remarks remained on the report. I called XXXX who stated they can only update the remarks if Barclays tells them to do so. So, I contacted Barclays customer service again and spoke with a manager, giving him the same details Im providing now. He felt I have a strong case and suggested I contact the FCRA Credit Bureau Disputes team with any details I can provide. 
This concludes the timeline of events. 

Additional Information : As shown in the screen capture below these 2 negative remarks have caused my credit score to drop XXXX points as compared to 1 year ago. 


Additionally, these are the first and only negative remarks Ive received in my lifetime of credit. 




In conclusion, I believe with the timeline provided I clearly demonstrated that I had, to my understanding at the time, intended to pay for all transactions on the account up to XX/XX/XXXX, including the transaction which occurred XX/XX/XXXX for {$6.00}. Additionally, I became unemployed around the date I made the payment and therefore stopped using these credit cards while I search for employment to make sure I was never in a position where I could not pay back the debt. In my mind, I had paid the Current Balance therefore had no reason to believe I owed any amount after XX/XX/XXXX, and would have no reason to log in to my account to check for a usage balance. Additionally, on a personal note, I do find it particularly cruel that the lifetime of perfect credit I have worked to build and maintain is so greatly impacted by a poorly timed post date of less than XXXX dollars, which I had thought would be included by paying in full, and in which I had paid ahead of time. Something I believe shows credit worthiness. Additionally, if I could have received an automated call or text informing me I had owed, I certainly would have paid, especially because it was less than XXXX dollars. This matter is of great importance to me and I hope can be resolved, my wife also has a credit card with Barclays and our continued business with Barclays in the future will certainly depend on it. Again, thank you for your time on this matter.