Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have sent multiple letters along with completed multiple dispute forms online to both Barclays banks and the XXXX  regarding this matter. I'm including the last letter which summarizes the actions I've taken thus far concisely. 

Barclays Bank Card ServicesXXXX. XXXX XXXX, DE XXXX Subject : Request for Investigation and Removal of Incorrect Late Payment Reporting Gap Mastercard Ending in XXXX  To Whom It May Concern, This is my second attempt to formally dispute late payments that have been reported to the credit bureaus on my Gap Mastercard account ending in XXXX. This issue has been resolved with XXXX  and with XXXX, but it has not been updated/resolved with XXXX to remove these late payment fees from my record. 
In another call to your Customer Service on XX/XX/XXXX, I was escalated to a supervisor, XXXX XXXX, who advised that there were late payments in : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have enclosed bank statements to support where I paid the following for each of these incorrectly reported payments : XX/XX/XXXX I paid Barclays {$100.00} on XX/XX/XXXX, {$140.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

XX/XX/XXXX I was on auto-pay but my card was compromised and when this was realized, I called customer service to give the correct card number and bring the account current : XX/XX/XXXX {$300.00}, XX/XX/XXXX {$450.00} and XX/XX/XXXX {$400.00} XX/XX/XXXX paid {$250.00} on XX/XX/XXXX. 

XX/XX/XXXX paid {$240.00} XX/XX/XXXX, and {$57.00} on XX/XX/XXXX. 

XX/XX/XXXX paid {$250.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX XX/XX/XXXX paid {$240.00} XX/XX/XXXX, {$8.00} XX/XX/XXXX, and {$30.00} on XX/XX/XXXX. 

After contacting XXXX, I was advised to work directly with Barclays to request that these negative marks be corrected or removed from my credit history. 
Given the supporting documents of payments to Barclays, I respectfully request that you update my account information with XXXX  and remove the reported late payments from my record. 
If not, please provide statements and records of all payments made and missed since I opened the account. 
In the absence of verifiable information about any late payments, please inform the credit reporting agency, XXXX, that the account and all payments have been paid as agreed.

Sincerely, Including in the letter were bank statements showing the payments as described. The reply I received from Barclays is below. This is unsatisfactory as the inaccurate information is remains on my report as a late payment which was not the case : We recently received your dispute regarding the information we have reported to the consumer reporting agencies. We have completed our investigation and confirmed that your account is being reported accurately. 
While we believe the information is accurate, we acknowledge your dispute and are adding a notice to the consumer credit reporting agencies that the information is disputed by you. Please allow up to 30 days for the notice to appear on your credit bureau report. 

My goal is to remove the negative reporting as it's the only poor reporting on my report and will make any attempts as loans or refinancing difficult if not impossible. 

I will also share that it took us multiple attempts with Barclay to have an additional error they made when they took over from XXXX XXXX. Their system dropped our auto pay. Upon contacted them they conceded to the error blaming the transition of business. They credited back the late fees charged but still reported us for a late payment to the three credit agencies. It has since been resolved but is a testament to how difficult they make corrections of their own mistakes on consumers who work to pay timely and ensure credit reports reflect a positive payment history.

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