Consumer complaint received 2018-01-08
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was trying to book an international flight ticket using my XXXX XXXX card ( issued by Barclays Bank Delaware ) on XXXX/XXXX/XXXX ( Sunday ) in the amount of {$1100.00}. The next day ( Monday ) I was contacted by my travel agency saying that the payment did n't go through and that I needed to resolve the issue with the credit card company so they can re-process the charge on the same credit card else the booking will need to be canceled and re-booked at a much higher fare ( the fare had already gone up by over {$500.00} ). 

Upon reviewing my account online, I realized that my available credit was showing only {$960.00} even though I had already scheduled a payment of my balance in full over the weekend in the amount of {$1300.00}. I called in to the customer service to request if they would grant me a temporary increase for {$300.00} ( given I 'd already scheduled to pay the existing balance in full ) so that the payment could be reprocessed. I was informed that this was not an option and that there is no way for them to apply the payment today even if I was willing to wire in the money to them same day! I asked if I could transfer some of my available credit from another Barclays card to my XXXX XXXX card but was told that that was n't possible either since I did n't have the minimum of {$1000.00} in available credit needed on that card and that they could not make any exceptions for me! I even tried to ask for a credit line increase for {$300.00} but was denied after a credit check and personally speaking with a credit department XXXX ( XXXX, Operator ID : XXXX ) even after explaining the entire situation to her! 

I have several credit cards and none of them take 1-2 business days to process and apply the payment towards the available credit or at least they would have allowed me to temporarily go over the limit by {$300.00} especially given that the credit card payment was already scheduled in full! 

When I asked XXXX to transfer me to the complaints department to lodge an official complaint, I was informed that the only way to do this was by mailing a letter to the Office of the President. I did find a phone number ( XXXX ) on the " Complaint policy statement '' published on the XXXX XXXX XXXX website : XXXX : XXXX? XXXX However, this appeared to be just a general customer service number with generic options without any specific option for the Complaints Department. When I finally got through to a XXXX ( XXXX, Operator ID : XXXX ), she had to dig around for a way to lodge my complaint and was unable to provide me with a case number or a written email response that my complaint had been received and would be reviewed! I still have no assurance ( other than verbal ) that my complaint was lodged, will be reviewed and that I will get a timely response back!

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