Consumer complaint received 2020-07-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX, I received a letter from Barclay Credit card on my account ending XXXX that due to inactivity on my card which had a {$4000.00} limit that I have had for about 7 years that if I did not use the credit card they were going to close it in 30 days from the date of the letter. So I called in XXXX and spoke with a representative and she told me all I needed to do was use the card to keep it from being closed and the problem is resolved. I said fine. But then I asked about another card that I had with the card ending with XXXX which had a {$10000.00} limit. I ask the representative since I did not get a letter for this card I am required to do the same for the XXXX card. She advised me No and that the card was not in jeopardy of closing due to inactivity. She then verified my address and then we ended the call with nothing else to discuss. I used the {$4000.00} dollar card and the account is still open, however, on XX/XX/XXXX I received an email from XXXX XXXX that my card ending XXXX was closed. This means due to the incorrect information I was told when I spoke to the representative and because she did not update the address on the card ending XXXX I was never notified of the account possibly closing due to inactivity. I have had this credit card for 7 years and 10 months never late or never any issues and now my history and card is closed due to errors of the representatives. In addition, because the representative updated the address on the XXXX account and not the XXXX account the letter that went out on XXXX telling me if I did not use the card it would be closed went to an old address that I have not lived at for since XX/XX/XXXX and mail was not forwarded. When I called on XX/XX/XXXX to address the issue of my account being closed I was told several lies. 1. that the card XXXX ( now closed ) had merged with card XXXX still open. However, this was incorrect because the limit on XXXX is $ XXXX and the limit on XXXX was {$10000.00} and the limit of XXXX did not reflect a limit of {$14000.00}. 2. Due to the card has not been used in the last 3 months they closed it. This too was a lie I haven't used to the card for almost 1 year. The Closing of this card has now caused a trickle of effects. I have now not only lost my history from my XXXX Barclay card but losing the limit that was available now lowers my credit available usage. The instant closing of this account has alerted other creditors and I just received an email that my XXXX XXXX which once had at {$15000.00} limit has just been reduced down to {$7000.00} and my current balance is now {$6400.00}. I have never been late on this card or had any issues. By taking my limit down to {$7000.00} and my balance is at {$6400.00} will create a credit usage of $ 91 % from 42 %. Which in turn is going to cause my credit score to drop drastically. XXXX had no other reason for reducing my limit. I have been in good standing with ALL of my credit cards no overdue or late payments and I always pay more than the minimum amount due. I have put in a request for Barclay to reopen my card and XXXX card was reduced and now I have forced to reprove myself to XXXX by paying an amount of {$1600.00} before XX/XX/XXXX in order to get my limit back. This putting consumers in a worse position when they have given them no reason too has to stop.

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