Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
Company : Barclays Bank Delaware XXXX Barclays ( XXXX XXXX XXXX XXXX ) Issue category : Credit reporting / Companys investigation / Incorrect information on credit report What I am seeking : Correct credit report ( remove late marks ), explanation of investigation Barclays furnished XXXX and XXXX delinquency marks for XXXX and XX/XX/XXXX on my XXXX XXXX XXXX XXXX XXXX : An ACH autopayment of {$280.00} posted on XX/XX/XXXX for the full balance of my XXXX statement. On XX/XX/XXXX that payment was reversed after I initiated a dispute through my bank because the transaction descriptor appeared as Barclays and I could not confidently identify which account it related to at the time ( I have more than one Barclays card and this retail card is used infrequently on autopay ; this card used to be listed under " Synchrony '' bank ). On XX/XX/XXXX, the same day I received Barclays notification of the reversal, I called Barclays to immediately resolve and pay any balance due. During that call, I was explicitly told by a Barclays representative that my account balance was {$0.00} and advised to wait until my next statement before paying. I asked if I should pay the amount even with the {$0.00} balance to avoid any fees or lateness issues, and was again told, no, nothing could be done, and that I should simply wait until my next statement came due, and call back to see about getting any late fees or interest waived. I relied on that instruction in good faith. The next statement ( statement period XXXX ) was the first statement reflecting a past-due amount ( {$60.00} ) and interest ( {$18.00} ). I paid {$290.00} on XX/XX/XXXX ( well before the XX/XX/XXXX due date ). I mailed a documented dispute packet to Barclays FCRA Credit Bureau XXXX address ( P.O. XXXX XXXX, XXXX, DE ) via XXXX XXXX Mail XXXX with return receipt. XXXX shows it was delivered/picked up on XX/XX/XXXX. Barclays denied my request in a letter dated XX/XX/XXXX, stating only that they must report accurately and that making the update would create an inaccurate representation, without addressing the XX/XX/XXXX customer service guidance or confirming whether the XX/XX/XXXX call recording/notes were reviewed. Attached you will find my written dispute packet ( with supporting documentation ), XXXX tracking/proof showing delivery/pickup of that packet by Barclays XX/XX/XXXX, and Barclays denial letter dated XX/XX/XXXX. Requested resolution : Barclays should conduct a reasonable investigation that includes review of the XX/XX/XXXX call recording/notes and any associated account notes. Based on documented reliance on Barclays guidance and my prompt payment once a past-due amount was first reflected in writing, I am requesting a one-time goodwill correction to remove the XXXX XXXX delinquency marks ( update to paid as agreed ) with XXXX XXXX XXXX, and XXXX XXXX In the alternative, Barclays should provide a detailed written explanation of the investigation performed ( including whether the call was reviewed ) and why they believe furnishing XX/XX/XXXX delinquency marks is appropriate under these circumstances.

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