Consumer complaint received 2015-09-11
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

Please be advised that these are the formal complaints that I submitted to XXXXXXXXXXXX ; XXXXXXXXXXXXDear XXXX XXXX XXXX : While reviewing my account XX/XX/XXXX I noticed that I only had a revolving credit line of {$6700.00} dollars. I figured that it must had been an error in the system so I contacted customer service. First, prior to getting the arrival plus card I original approved for a limit of {$7000.00}. I contacted customer service and spoke with a representative and explained if the limit was only going to be {$7000.00} dollars I was n't going to accept the card. After further discussion it was concluded and agreed that the limit would be {$11000.00}. Please be advised that I have been a cardholder XX/XX/XXXX. 
Per my payment record with you can clearly see that I have always been exemplary customer. However, this apparently means nothing as today I learned that my credit line had been decreased without even being notified or without just case. I am aware of my current credit status and it remains strong. In fact there 's nothing new that 's in my credit that was n't apart of it prior to being approved for the line of credit. Of course, my debt ratio may have been a little high but I am utilizing 0 A.P.R promotions. ( However, with this adverse action it 's clearly going to affect my credit score ). As a cardholder XX/XX/XXXX there was never a decrease in my line of credit and during such time all of my credit cards were maxed out. However, you concluded that I was credit worthy and granted the additional line of credit in the amount of {$11000.00} and there was a clear understanding and agreement with the representative should the card not be at a higher limit I would have declined the offer. Since this time as always I have continued to uphold the highest integrity and responsibility by making any and all payments in accordance with all terms and policies. ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
However, today it Barclay 's took an adverse action towards me without any wrong doing on my part. I believe based off my past history with Barclay 's as a customer the actions are without merit and perceived discrimination along with deceitful and unethical business practices. First, in order for me to obtain the {$11000.00} increase it was agreed that I would close my Barclay reward card in which I believe the limit was {$3500.00} and it would be transferred over and it was agreed the card to be closed XXXX XXXX ). 
I contacted customer service today with these concerns however I did not find it to be helpful as they were not interested in taking a complaint and providing the appropriate channels for resolution and being non-complied to Barclay 's complaint statement. 
In closing, it is my sincere hope that we can resolve these issues and maintain a long term relationship, however this matter requires your immediate action to prevent further harm. 

Dear XXXX XXXX XXXX, Please be advised I did receive a call from XXXX and I was very disturbed by the call and the handling of the matter as any of my concerns were address nor was she able to justify the betrayal of deceptive business practices engaged by Barclay employees in regards to them having me to close a trade line I had since XX/XX/XXXX to transfer to the elite card that as of recent an adverse action was taken against it. Therefore as a result of these issues which I feel are violation of consumer rights I will be escalating this matter outside of Barclays in addition I will pay the remaining balance off on my card and discontinue my relationship with Barclays. I have no interesting in dealing or maintaining a relationship with a company that refuse to have integrity and abide by fairness and agreements in regards to its consumers.