Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #7348477
Complaint Overview
Complaint ID: 7348477
Company: Barclays Bank Delaware
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Illinois
ZIP Code: XXXXX
Date Received: 2023-08-03T12:00:00-05:00
Date Sent to Company: 2023-08-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I reached out to XXXX because I received a notice that my credit score was effected, I tried to file a compliant and was referred to contact a representative. The representative said that they are not able to help me and I needed to contact the barclays. I had reached out to Barclays because I received an email indicating that my account was pasted due but I didn't use that card since last year, they said I owed them {$87.00} for a automatics renewal fee. I asked them to cancel the card because I didn't want a card that has a renewal fee and besides that I never received a statement in the mail. They said they would cancel the card back on XX/XX/XXXX and it should take two cycles ( Two Months ) for it to come off. I received a notice from XXXX that my credit score was dropped by XXXX basis points ( from XXXX down to XXXX ) and I also received a notice from my XXXX card that my credit limited has been lowered. I reached out to Barclays on XX/XX/XXXX and discussed the issue with a representative ( # XXXX ) and they said that they took care of it but it will take XXXX cycles to come off. I was going to purchase a car and now my credit will effect my ability to finance the new purchase.
Frequently Asked Questions
What is Complaint #7348477 about?
Complaint #7348477 was filed against Barclays Bank Delaware regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-08-03T12:00:00-05:00.
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, credit repair services, 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.