Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15888879
Complaint Overview
Complaint ID: 15888879
Company: Barclays Bank Delaware
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Was not notified of investigation status or results
State: New York
ZIP Code: 11413
Date Received: 2025-09-11T12:00:00-05:00
Date Sent to Company: 2025-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Strong, Specific Version ( for What Happened box ) On XX/XX/XXXX, I sent Barclays a dispute letter regarding a reported late payment. I requested that they conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) and provide verifiable evidence to support the accuracy of the late payment. Barclays only response was to send me generic billing statements, which courts ( e.g., Johnson v. MBNA America Bank, 357 F.3d 426 ( 4th Cir. 2004 ) ) have ruled does not satisfy the FCRAs requirement of a reasonable investigation. Barclays has therefore failed to comply with their legal obligations. This failure is causing immediate, measurable harm : I am in the process of closing on a mortgage, and the unresolved dispute is lowering my credit score and increasing my loan costs. Without a proper investigation and resolution, I will suffer thousands of dollars in additional costs. I am requesting that CFPB act promptly to compel Barclays to, in light of their failure to conduct a compliant investigation, remove the intentionally unverified late payment from my credit reports as they did not meet their minimum legal obligations.
Frequently Asked Questions
What is Complaint #15888879 about?
Complaint #15888879 was filed against Barclays Bank Delaware regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-11T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.