Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
SUMMARY OF COMPLAINT : I am filing this complaint against Barclays Bank Delaware for : ( 1 ) failure to provide itemized transaction documentation for an alleged balance of approximately {$1300.00} ; ( 2 ) conducting a fraudulent investigation without disclosing methodology or evidence ; ( 3 ) illegally reporting a disputed, unverified balance to consumer reporting agencies in violation of the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 et seq. ), Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), and Regulation Z ( 12 C.F.R. 1026.13 ). My credit history has been significantly and wrongfully damaged by this unsubstantiated debt. BACKGROUND : My XXXX XXXX XXXX XXXXXXXX ( Account XXXX ) was converted to Barclays Bank Delaware on XX/XX/XXXX, as confirmed by Barclays XXXX Account Manager XXXX ( Fraud Risk Solutions ). Upon the conversion, I discovered a balance I did not recognize. I have a perfect payment history across all credit accounts mortgage, auto loans, and credit cards spanning many years. EXCEPTIONAL PAYMENT HISTORY DIRECT CONTRADICTION OF DEFAULT NARRATIVE My XXXX credit report, generated XX/XX/XXXX, documents an unambiguous and critical fact : I maintained a perfect, on-time payment record on this specific BarclaysXXXX XXXX XXXX XXXX account ( XXXX Account No. XXXX, opened XX/XX/XXXX ) for every single month from account opening through XXXX a period spanning more than 13 years of flawless payment history. The XXXX report shows green checkmarks for every payment period from XXXX through XX/XX/XXXX. The first delinquency markers appear in fall XXXX precisely coinciding with the XX/XX/XXXX account conversion from XXXX XXXX XXXXXXXX to Barclays Bank Delaware. This payment history is not incidental it is dispositive evidence directly supporting my position. A consumer who simply decided to stop paying does not maintain 13+ years of perfect payment history and then abruptly stop. A consumer who discovers an unrecognized balance arising from a servicer transition and who immediately begins calling the creditor to demand documentation does. The behavioral and credit data are entirely consistent with my account of events and entirely inconsistent with any characterization of this as voluntary non-payment. Key facts from my XXXX credit report ( Account XXXX. XXXX, generated XX/XX/XXXX ) : Account opened : XX/XX/XXXX over 13 years of account history before first delinquency Credit limit : {$15000.00} Barclays extended this credit limit precisely because of my demonstrated creditworthiness Payment history XXXX XXXX : 100 % on-time checkmarks for every month without exception Highest balance : {$1500.00} consistent with normal account usage, not with a pattern of irresponsible spending First delinquency : XXXX XXXX immediately following the XX/XX/XXXX Barclays conversion Status : Account charged off ; {$750.00} written off ; {$1400.00} reported as past due as of XX/XX/XXXX Discrepancy : The report shows {$750.00} written off yet {$1400.00} reported as the total past due balance this unexplained discrepancy itself warrants documentation and explanation Furthermore, this Barclays account does not exist in isolation. I have maintained a perfect payment record across all credit accounts for decades including mortgage, automobile loans, and multiple credit cards with XXXX late payments on any account. Barclays ' negative reporting has caused measurable, severe, and demonstrably unjust damage to a credit profile built over decades of responsible financial behavior. This damage directly impairs my ability to obtain favorable mortgage financing, which I am actively pursuing. Under the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must not report information it has reasonable cause to believe is inaccurate. Given my documented 13+ year on-time payment history on this specific account, the sudden appearance of delinquency markers precisely at the moment of a servicer transition combined with Barclays ' total inability to produce the underlying transaction records provides reasonable cause to believe the reported delinquency is inaccurate. Continued reporting of this tradeline under these circumstances is a violation of Barclays ' furnisher obligations under 1681s-2. DOCUMENTED CONTACT HISTORY : I made the following documented attempts to obtain transaction records and resolve this dispute : XX/XX/XXXX & XX/XX/XXXX : Called Barclays ; requested account closure and transaction documentation ( rep : XXXX, XX/XX/XXXX ). No documentation provided. XX/XX/XXXX & XXXX, XXXX : Additional calls ; XX/XX/XXXX spoke with XXXX. Requested transaction documentation. No documentation provided. XX/XX/XXXX : Received first Barclays written communication a past-due notice. No transaction detail. XX/XX/XXXX & XXXX, XXXX : Called Barclays XXXX said she did not know who handles fraud. XX/XX/XXXX : Made multiple calls. Spoke with XXXX ( hung up ), called back at XXXX XXXX AK time, spoke with XXXX ( Employee XXXX ), filed formal fraud claim. Transferred through Security, Fraud, Investigations spoke with XXXX, XXXX XXXX could not locate account ), then XXXX XXXX submitted fraud claim ). Called Fraud Dept. at XXXX. XX/XX/XXXX : Called for fraud update told up to 90 days ; no Claim ID. Operator : XXXX. Claim date confirmed : XX/XX/XXXX. XX/XX/XXXX : Letter received account closed due to suspicious activity. XX/XX/XXXX : Letter received from Barclays Investigations ( XXXX XXXX XXXX, XXXX DE XXXX ) : fraud investigation denied alleged charges were made by me or authorized user. NO TRANSACTIONS LISTED. NO EVIDENCE DISCLOSED. NO METHODOLOGY EXPLAINED. XX/XX/XXXX : Called Barclays ( XXXX ) asked how fraud was reviewed ; rep said limited in what he could see/do. Emailed XXXX XXXX ( special review team ) requesting review methodology and transaction list. NEVER RECEIVED A RESPONSE. XX/XX/XXXX : Multiple calls XXXX call center hung up twice. Transferred to XXXX XXXX XXXX Fraud Investigations ) said she was unable to discuss the account. XX/XX/XXXX : XXXX XXXX XXXX ( XXXX ) sent a letter claiming a single billing statement ( XXXX ) showing 'previous balance : {$1300.00} ' satisfies FDCPA validation. It does not no individual transactions are listed. VIOLATIONS I AM ALLEGING : FCBA 15 U.S.C. 1666 : Barclays failed to document or resolve the billing dispute within 2 billing cycles and failed to produce documentary evidence of charges. FCBA 15 U.S.C. 1666a : Barclays reported this balance as delinquent while my dispute was pending expressly prohibited. Regulation Z 12 C.F.R. 1026.13 : Barclays failed to investigate and resolve the billing error and continued adverse reporting during the dispute period. FCRA 15 U.S.C. 1681s-2 : Barclays reported inaccurate information ( an unsubstantiated balance ) and failed to conduct a reasonable investigation upon dispute. CFPA 12 U.S.C. 5531, 5536 ( UDAAP ) : Conducting a secret investigation with no disclosure of methodology or evidence and then denying the fraud claim and reporting the balance to credit bureaus is an unfair and abusive practice.

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