Consumer complaint received 2023-02-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2022 I paid my account balance to XXXX. Because I was making an early payment I attempted to cancel the upcoming autopayment. I thought it would only cancel the upcoming payment and leave the autopay arrangement in place. In doing so it cancelled the entire autopay arrangement, in which I was unaware. In XXXX of 2022 I made a small purchase on XXXX and put the charge on my account. Thinking my autopay would kick back in. It did not and I was alerted in XXXX that my score had dropped due to a missed payment due to Barclays. I called to inquire why autopay did not take care of the monthly payment due and was informed it had been cancelled. It was then I was told, I should not have cancelled the autopay, that it would not have taken the additional money out if the balance was XXXX. Okay, lesson learned. The rep refunded my late payment and told me to write a letter to the dispute department to see if they could change the information sent to the credit bureau in light of the misunderstanding. I did just that and still have yet to receive a direct response from them concerning the matter. Funny thing is I paid the small balance in full a few days later and earlier than the due date. I left the autopay in place ( as I was instructed I should do ) and guess what? When my due date came along, they charged my account anyway, despite the fact I had a XXXX balance. HMMM!!! To top it off, they decreased my credit limit yet affecting my credit score once again. I felt XXXX valued. As a loyal Barclay 's member, who always pays on time and stays well below my credit limit, this was as isolated incident and XXXX due to an honest misunderstanding. I called yet again to understand why my limit would have been lowered because of this isolated incident and was informed it was because I had been delinquent for XXXX  months ( untrue ) and had too many derogatory marks on my credit report ( untrue ). Before they lowered my limit, my credit score was XXXX XXXX ( depending on which credit bureau XXXX I had a credit utilization rate below 19 % and I had no derogatory marks on my report. Besides this XXXX hiccup, my on time payment history was 100 % Does that sound like it warrants a decrease in credit limit. I'm not even upset that they have decreased my spending power, that's not a big deal. When it effects my credit score, that's a representation of my worthiness, my ability and willingness to pay my debts. A representation of me that they should not have the ability to affect or manipulate so easily. I am attaching several screen-prints of my credit score across several platforms. As you can see I am over diligent when it comes to staying on top of my credit score. The reason for the decrease in credit limit can't possibly be because of my credit history. Someone didn't do their homework.

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