Consumer complaint received 2019-07-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear Sir or Madam, This complaint is regarding the absolutely AWFUL treatment & service that I received from Barclays. I take my credit very seriously and responsibly. Whether it be for personal or business use. Furthermore, I currently only use about 17 % of my available credit according to FICO. As in some cases, I was treated with no respect from this institution. With two lines of roughly {$8000.00}, I was only using about {$1700.00} of available credit related funds. {$600.00} on a line of {$5000.00} and {$1200.00} on a line of {$3000.00}. I have ALWAYS made payments on time and often carried a XXXX or very minimal balance. My health insurance was automatically billed via the XXXX card, this was the line of {$3000.00}. Again, NEVER an issue at all with payments, usage, or charges. That is until, without telling me, or warning me at all, this despicable institution ( Barclays ) lowered my credit line significantly, with ZERO fair justification, or reasoning. My {$3000.00} line went down to {$1300.00} over night. Causing my automatic payment on my health insurance to be declined. Needless, to say this was a big issue for me. Not to mention embarrassing. Again, I have ALWAYS been a very good client. NEVER doing anything but pay the bills on time and use funds very responsibly. By any possible normal standard of decency, fairness, risk management, and compliance, theyre was ABSOLUTELY NO WAY that I should have had that happen to me. Why would any business upset a good, in my case great, customer. What was the problem? When I tried to contact them, I got treated like a piece of XXXX, and given the runaround completely. None of their metrics make any sense or logic at all. Its like saying that Im guilty before ever actually committing any crime. I have a XXXX XXXX in XXXX  from a major XXXX university and find it ludicrous that I have to explain myself in regards to the extremely responsible use of my finances. I have no mortgage, very little debt ( If Any ), in fact much less than a year ago, no student loans, have never missed a payment, and excellent payment history. Lastly, I tried to explain that although it had nothing to do with any financial reason, my wife had been almost killed in a car crash at the start of the year, and rather than be so UNJUST and HARSH with me, they should have had some compassion. I even offered to pay the ENTIRE balance off at the time, in an act of good faith, should they do the right thing, and restore my credit line. I feel that this was a completely ridiculous lack of cooperation on their part, not taking that offer. Particularly, with no payment even due yet! Things happen in life to all of us and even with this, I NEVER missed a payment. I want the entire world to know how lousy of a financial institution they are. In fact, per my recollection, they almost went under during the financial crisis in 2008, THEMSELVES. I would please ask that you follow up very sternly with them and note this case on file. I am completely disgusted with how I was treated for no reason AT ALL. I not only should have my credit limit restored, but increased, including a letter of apology for the inconvenience. This would be by any common sense standard business practice, the right way to treat an excellent client. Not to mention a person. I thank you in advance for your help in investigating and resolving this matter.

Kind Regards

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