Credit card or prepaid card -- Problem when making payments -- Complaint #6033518
Complaint Overview
Complaint ID: 6033518
Company: Barclays Bank Delaware
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: You never received your bill or did not know a payment was due
State: Wisconsin
ZIP Code: 548XX
Date Received: 2022-09-29T12:00:00-05:00
Date Sent to Company: 2022-09-29T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is the timeline of the botched transaction from my XXXX XXXX to Barclays. during this time, my credit score dropped from the high XXXX to the low XXXX. XXXX - Begin hearing about XXXX transitioning from XXXX to Barclays. XX/XX/XXXX - Last automatic payment of full balance to XXXX XXXX Was Notified they were switching over to Barclays. XXXX - Notified that a new Barclays credit card was getting mailed out. This card was never received Called Barclays and requested a new card be sent out. Barclays refuses to use my last name of XXXX and insists on using my maiden name of XXXX unless I send a copy of my marriage certificate. Gap had been using my last name of XXXX since I got married in XXXX. I told Barclays to close my account. XXXX - I never received any new Barclays card. They insisted they had mailed two out. Begin to see negative impacts on my credit score, but never received any statements from Barclays and was never given any information on how to pay online. I again asked them to close my account and requested they mail out a paper statement. Called Barclays again and asked them to mail out my final statement. Still no final bill sent. Call Barclays again ( for the third time ) to ask for the final bill. I told the XXXX I would be mailing a check in to pay the amount in full, minus late fees and interest charges. XXXX - I finally received the final bill. XX/XX/XXXX - Mail check # XXXX for the full amount, minus interest and late fees. XX/XX/XXXX - Check for {$2300.00} is cashed by Barclays. XXXX - Call Barclays and talked to a customer service rep who let me know that they did receive the check and my account had a {$0.00} balance. I thought everything was revolved. XX/XX/XXXX - Credit monitoring shows Barclays has marked the account as more than 60 days delinquent. Call Barclays again, asking to confirm payment, and close the issue, and fix the credit reporting issue. They claim they cant find the payment, despite my bank showing the check was cashed by Barclays on XX/XX/XXXX. Still calling me by my maiden name of XXXX. XXXX is investigating this, but says it wont be resolved for 30-45 days. XXXX ID # XXXX At this point, it has been almost 4 months of trouble and this has ruined my credit score. Another 30-45 days of this is unacceptable. My account has been pain in full. I would just like this issue to be closed and my credit score restored.
Frequently Asked Questions
What is Complaint #6033518 about?
Complaint #6033518 was filed against Barclays Bank Delaware regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-09-29T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with monetary relief". 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 card or prepaid card) 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.