Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
Barclays has now, on two separate occasions, provided inaccurate and misleading information in connection with my dispute. These misrepresentations are not only unacceptable, but they also constitute a violation of my rights as a consumer under applicable federal law. Specifically, Barclays continues to assert that a payment was not received and therefore did not post to the account. This statement is demonstrably false. The payment in question was processed and posted on XX/XX/year>, as clearly reflected on the XX/XX/year>XXXX account statement. The documentary evidence in Barclays own records directly contradicts the conclusions presented in its investigation. Despite being in possession of this information, the bank has continued to furnish incorrect data to the Consumer Financial Protection Bureau and to the credit reporting agencies. Furnishing information that is known, or should be known, to be inaccurate is a serious matter. By failing to conduct a reasonable investigation and by continuing to report and defend inaccurate payment history, Barclays is causing ongoing harm to my credit profile and financial standing. At this time, I request that the CFPB take notice that Barclays has failed to correct the record and has instead doubled down on verifiably incorrect reporting. This pattern of conduct reflects a willful disregard for its obligations to provide accurate information and to properly investigate consumer disputes. If this matter is not promptly corrected, including the removal of the improperly reported delinquency and the correction of all related credit reporting, I will have no alternative but to pursue all available legal remedies. This will include initiating litigation to protect my rights and to seek damages for the harm caused by Barclays continued reporting of inaccurate information. I am prepared to provide copies of the XX/XX/year>XXXX statement and any additional supporting documentation demonstrating that the payment was, in fact, processed and posted. Additionally, the way this account is being reported does not comply with the XXXX XXXX reporting standards. The account status, payment rating, payment history profile, and date of first delinquency are all inaccurate because a 30-day delinquency never occurred. This false reporting is causing significant harm to my credit standing and financial reputation. I am requesting that Barclays : Immediately delete the inaccurate late payment Correct the reporting with all consumer reporting agencies Provide written confirmation of the correction If this matter is not resolved, I am prepared to pursue litigation for willful noncompliance with the FCRA. I have attached supporting documentation showing that the XX/XX/year>XXXX payment was received and processed on XX/XX/XXXX, XXXX.I expect a good-faith reinvestigation and a response that reflects the actual account history rather than a repetition of prior inaccurate conclusions.

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