Not sure it is possible, but Barclays might have just surpassed Comcast for WORST customer service ever. Unbelievable. I sent a secure message though THEIR system telling them to close a dormant account. SEVEN months later, I check my credit report, as I THOUGHT I was going to buy a new car, and there is a collections against me for Barclays' FRONTIER AIRLINES ANNUAL FEE. No communication from Barclays, just SURPRISE - here's a ding to your credit report for not paying the fee for a card that you cancelled 7 months ago! Trying to get someone in customer service to fix their mistake is worse than trying to get Comcast to fix your bill if you can imagine! Barclays' customer service tactics must have been from Comcast's school of "Why Are You Bothering Me?". Adrian from customer service told me that it will take up to two months just to remove the annual fee and that the dispute with the credit reporting agencies is out of her control. Charles from dispute resolution told me it would take 7-10 days for Barclays to inform the credit agencies and that I would have to call them myself to ensure their mistake was fixed. Nobody even apologized for their mistake, in fact they insinuated that it was my fault for not following up to ensure they closed the account as I directed. If I could attach the screenshot of the secure messaging record anyone could clearly see they dropped the ball. So sorry for wasting the car dealer's time but another vehicle is going to sit on the lot for 3-6 months while Barclays takes their time fixing this. We will see how long it takes......