Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: TX

Complaint narrative:
Reference closed case # XXXX You closed my original complaint because Barclay 's responded. What kind of regulatory group does that.

I sent my response but I had no place to rebut the Barclay 's letter with uploaded proof. But they opened this door by not being truthful about tanking our credit through FICO.. They not only dropped our credit limit on XX/XX/XXXX, with the intention to bounce a regularly scheduled ( sole reoccurring ) payment but it was done while the XX/XX/XXXX payment in question had been in their possession the whole time. So here is my rebuttal to the closed case. 

I am speaking directly with the Barclays Office of The President. But here is the problem they are not addressing or acknowledging. 1. They received the payment on-time XX/XX/2025. Their response alleges the payment was returned on XX/XX/XXXX, and that is flat-out wrong. My banking institution will gladly rebut that fact along with the other draw on the XXXX. The XXXX draws were XXXX on the XXXX and XXXX more on the XXXX. That payment sat there until our Bill-Pay company XXXX told them on XX/XX/XXXX, XX/XX/XXXX, and in writing on XX/XX/XXXX. This conversation with XXXX, XXXX and Barclays occurred 3 times. I have the receipts and they are included in my first complaint letter. XXXX. The letter states that on XX/XX/XXXX, they finally posted the payment to our account and backdated it to the due date of XX/XX/XXXX, which is the minimum effort required since they had the money the whole time. They were made aware of this the first time by XXXX on XX/XX/XXXX. XXXX. On XX/XX/XXXX they crashed our credit in XXXX ways while stating in the letter that they don't have the ability to do so. A : They artificially reduced our credit limit to make us delinquent on a payment same day ( XXXX XXXX ). B : Then they reported us to the credit agencies and dropped my wife 's credit scores from XXXX to XXXX, and posted delinquency on my account same day. Then the letter claims it posted the payment on the XXXX when it was really pending through the XXXX. It was pending since XX/XX/XXXX, but they dropped our credit limit and made our payment NSF. On the XXXX when we were aware of this dirty pool we called and they magically restored our credit limit over the phone. I have the documents to submit and if I do not have a place to upload, I will start a new complaint for you to see. These items have all been discussed with Barclays office of the President and we will see. Trust but verify. They need to acknowledge we were never delinquent and to send a letter to all three of the credit bureaus to remove the negative annotations. I will be uploading supportive documents with this rebuttal or sending as a new complaint if I can not upload here.

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