Consumer complaint received 2024-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
To : Barclays Credit Dispute - XXXX ( on-line XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX provided by the collection department not correct Fr : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Acct # - XXXX XXXX XXXX To Whom it may concern, I am writing to dispute and inform Barclays of the facts as it pertains to the aforementioned account. This account was open ed for an XXXX purchase and I was led to believe this was for an installment plan. Somewhere along the line a credit card was sent time to my address. This was unusual as I never got any account statements and called a few times regarding this. I also though it was an installment type of account, not revolving credit. On XX/XX/XXXX, because I wasnt receiving any statements and didnt want any late payments, I submitted a paid in full transaction {$1000.00} to close the account. About two months later, I received a notice for a balance due. I assumed it was referencing a prior period before my payment in full. After a 2nd statement, I called to look into this matter. There was a transaction for {$6.00} between XX/XX/XXXX and XX/XX/XXXX statement. My bill at the time was XXXX larger that the transaction and asked for some grace and I thought I closed the account and didnt realize there was 1 transaction. I also wasnt getting regular monthly statements. Over a few months the bill continued to grow and I continued to call. The bill became {$150.00}. XXXX times the original bill. 
Not getting anywhere, I agreed to pay the balance in exchange for two conditions, my account to be closed with a note closed at the customers request and not to show any past 30-60-90 due on my credit. I believed this was in XXXX XX/XX/XXXX. This was acknowledged by the service rep and I asked to make noted on my account.. Final Payment was sent and records show XX/XX/XXXX was when Barclays recognized the payment. 
My current credit doesnt reflect this and I have made several attempts through XXXX XXXX XXXX correct. Each time I have submitted to have this fixed, the investigation is found the information to be accurate. 
I have been charged lates fees in excess of the balance. XXXX XXXX suggested I file a complaint to CFPB as if the lates feed are exuberant, Barclays should refund you the money and clear your credit. When I called last, the service rep in the collection department, provided me with the amounts and dates from your System as well as the address to send a written complaint. I noticed they are different than what is on line and different that the zip code extension. I had asked her to send the statements that she referenced from the XX/XX/XXXX closing date until the account was closed, but never received anything in the mail. My request at this time is to be refunded the amount of extra late fees and correct my credit to reflect the account closed at request of the customer and no 30-60-90 day late. 
Sincerely, XXXX XXXX XXXX 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 explanation