Consumer complaint received 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I am a former Barclays Bank Card ( consumer credit card ) customer of many years. I paid off the final card balance and closed the account in XXXX. Nevertheless, Barclays states I still owe them money for an unknown reason, charged me numerous penalties, and has continued to file negative credit reports which are affecting my credit rating. 

In XXXX of XXXX, I was notified that negative information was being reported to my credit report. When I investigated, I found it was Barclays. Because I closed my Barclays account in XXXX, I was perplexed by this. Nevertheless, I began to investigate and initiated numerous telephone calls to Barclaycard to find out what the reason was. I had not received any correspondence from Barclays explaining that I owed them any money. 

Over the course of 4 lengthy phone calls with Barclays agents by the names of XXXX  ( unknown spelling ), XXXX ( # XXXX ), XXXX, and XXXX ( # XXXX ) I learned the following : -My account was, in fact, closed XXXX XX/XX/XXXX, the final charge to the account of {$10.00} was made to XXXX XXXX XXXX XX/XX/XXXX, I received an email from Barclays notifying me my Statement Balance was {$32.00} XXXX XX/XX/XXXX, I paid off the aforementioned statement balance of {$32.00} and subsequently closed the account -Inexplicably, Barclays began charging me Late Fees and Interest Fees on an overdue balance The following occurred next : -Barclays stopped sending me any account statements, consistent with the account being closed -No one from Barclays tried to contact me about owing any money -The new Late Fees and Interest Fees grew to a most recent total of at least {$250.00} -When this went unpaid, because it should not have been owed in the first place and no one notified me of it, Barclays began issuing negative credit reports to credit reporting agencies.

-Monthly negative credit reporting by Barclays has inhibited my ability to obtain loans and caused me to pay higher interest rates on loans I have acquired Because the aforementioned employees stated they could not help me and I would have to speak with someone in the XXXXXXXX XXXX XXXX Barclaycard XXXX XXXX ), I made yet another phone call. 

On XX/XX/XXXX, I called the above number and spoke with XXXX XXXX. XXXX XXXX was less than helpful and said the only thing that could be done was to send a paper letter to the Barclay XXXX XXXX in XXXX, DE. I appealed to XXXX XXXX to let me talk to her supervisor, she refused and said she had no supervisor. I asked for at least an email address I could send correspondence to or complaints, including an email address for XXXX XXXX. XXXX XXXX told me that no such email address existed, they would only accept a paper letter sent to the po box and she did not have a company email address that could receive emails from outside of Barclays. I doubt that is the case, but even if it is the case, I believe this is a system designed to prevent customers from adequately addressing discrepancies like this and to dissuade consumers from filing complaints. 

In XXXX of XXXX, I sent the above information, including supporting documentation and a list of reasonable demands to Barclays Bank a/k/a Barclaycard, XXXX XXXX XXXX, XXXX, DE XXXX via United States Postal Service mail XXXX In my letter, I also asked that I be contacted via telephone immediately if they were not going to meet my expectations laid out in the letter. 

In response, Barclays sent me a short letter via paper mail acknowledging they received the above information, but would be changing nothing. As of this date, XX/XX/XXXX, Barclays has not remedied this in any way, shape or form. Barclays is still filing negative credit reporting pertaining to this matter which is causing continued and significant damage to my credit and, presumably, still expect me to pay them over {$250.00}.

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