Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Subject : Complaint Regarding Credit Limit Reduction, Disenrollment from Autopay, and Reported Late Payment I am writing to formally address an issue regarding my account that has had a negative impact on my credit report and financial standing. I have been a loyal customer of Barclays Bank and have consistently paid my bills on time. However, I am currently experiencing an unresolved issue that I would like to bring to your attention, and I would appreciate your immediate assistance in resolving it. 
Due to my inactivity on the account, I was informed that Barclays reduced my credit limit and disenrolled me from autopay. However, I was away on XXXX  XXXX  and am currently on XXXX XXXX. I was not made aware of these changes to my account, which led to a {$14.00} balance being left unpaid. I only became aware of this balance when I received a notification from XXXX XXXX stating that Barclays Bank had reported a XXXX late payment. 
I immediately paid the {$14.00} balance and reached out to Barclays to request assistance in disputing the reported late payment with the credit bureaus. Unfortunately, the agent I spoke with was unable to resolve the issue, and I received a letter from Barclays stating, " We are currently unable to complete your request. '' This response was frustrating and unclear, especially considering the circumstances around my military service. 
Seeking further clarification, I called Barclays again and spoke with a representative named XXXX XXXX ( XXXX XXXX. XXXX ). Despite my explanation of the situation, XXXX was unwilling to transfer me to a supervisor and insisted that there was nothing further that could be done. This left me feeling helpless and unsupported, as I believe I was disenrolled from autopay without notification, which led to this late payment being reported in error. 
As of today, XXXX  is now reporting this issue as a XXXX late payment, which is a significant negative mark on my credit report. I have never been late on any payment, and this is entirely the result of circumstances beyond my control due to the lack of communication from Barclays regarding the autopay disenrollment. 
To resolve this, I am requesting that Barclays work with me to dispute the late payment with the credit bureaus and ensure that this misunderstanding is removed from my credit file. I would greatly appreciate any assistance in restoring my account to good standing and ensuring that my credit report accurately reflects my payment history. 
In addition, I would appreciate clarification on why I was disenrolled from autopay without notification and how this process was handled. I believe this situation could have been avoided if I had been properly informed of any changes to my account. 

I would be grateful for your prompt attention to this matter and your assistance in helping me resolve it. Please do not hesitate to contact me if you need any further information to facilitate the process. 
Thank you for your time and assistance.

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