Consumer complaint received 2026-04-23 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:
I am submitting this response in connection with my complaint filed with the Consumer Financial Protection Bureau regarding Barclays Bank Delaware. I respectfully request that the CFPB conduct further review and take appropriate action, as Barclays response reflects a deficient, biased, and legally inadequate investigation. Barclays reply fails to meaningfully address the core issues raised in my complaint. Instead, the response dismisses my concerns by stating that no new information was provided and simply reiterates prior conclusions. This is not a reinvestigationit is a restatement of a predetermined outcome. Importantly, the investigation conducted by the Barclays representative, XXXX, appears fundamentally flawed. XXXX failed to properly review Case # XXXX, which contains critical information and prior dispute history directly relevant to this matter. Additionally, XXXX failed to review all remarks and notes associated with my account, which would have provided necessary context regarding payment activity, processing issues, and prior communications. This omission demonstrates that the investigation was incomplete and not conducted in good faith. The investigation appears to rely exclusively on internal account summaries without demonstrating any independent verification or objective review of the documentation I submitted. Critically, Barclays has failed to provide : A detailed payment processing timeline ; Evidence showing how my XXXX and XX/XX/year> payments were handled ; Any audit trail supporting their claim that the reported delinquency is accurate ; Despite acknowledging that payments were received and posted, Barclays continues to report the account as delinquent without adequately explaining how those payments were evaluated in determining the account status. This raises serious concerns about the accuracy and integrity of the information being furnished to consumer reporting agencies. Additionally, the investigation appears to be biased and outcome-driven. The response reflects a clear effort to justify prior reporting rather than objectively assess whether errors occurred in payment processing or application. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), Barclays is required to conduct a reasonable investigation, review all relevant information, and correct any inaccuracies. Their response fails to demonstrate compliance with these obligations. A conclusory statement that reporting is accurate, without supporting documentation, does not meet the legal standard for a reasonable investigation. Furthermore, Barclays asserts that correcting the reporting would create an inaccurate representation of the account. This statement is unsupported and ignores the possibility that their current reporting is itself inaccurate or misleading due to improper payment handling or timing issues. Given these deficiencies, I respectfully request that the CFPB : Require Barclays to conduct a new, independent, and unbiased reinvestigation ; Compel Barclays to provide full documentation of payment processing, account remarks, and internal case history ( including Case # XXXX ) ; Evaluate whether Barclays has violated the FCRA by failing to conduct a reasonable investigation and by furnishing potentially inaccurate information ; Ensure correction or deletion of any unverifiable or inaccurate credit reporting ; Barclays response does not resolve my complaint and fails to meet the standards required under federal law. I am seeking the CFPBs assistance in ensuring that my rights are protected and that accurate information is reported. Thank you for your attention to this matter. Sincerely, XXXX XXXX

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