Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
For nearly a year, I maintained an exemplary relationship with Barclays Bank through my XXXX XXXX XXXX XXXX. With a {$30000.00} credit limit established in XX/XX/XXXX, I demonstrated consistent, responsible usage over nine months without issue. My creditworthiness was never in question. 

In XX/XX/XXXX, Barclays invited me to apply for a JetBlue Card. Their representative didn't just offer me additional credit, she proposed restructuring my existing credit by reducing my XXXX limit to {$5000.00} and transferring {$25000.00} to the new JetBlue card. This wasn't a customer request ; this was Barclays ' initiative to expand their relationship with a proven, profitable customer. 

After accepting the offer, Barclays immediately began profiting from my trust. They convinced me to pay {$640.00} for a 12-month 0 % APR balance transfera substantial fee that went directly into their coffers. I was now carrying a significant balance on a card they had aggressively pushed on me, generating even more revenue for the bank. 

Just weeks after collecting my {$640.00} balance transfer fee, Barclays froze my account over the XXXX XXXX weekend XXXX. No advance notice. No explanation. No opportunity to address their concerns. After 10 months of flawless payment history, I was suddenly treated like a fraud suspect. 

When I called for answers, Barclays ' response was chilling in its circular logic : They demanded income verification for an account they had already approved and I had successfully managed for months. They couldn't explain why this documentation was suddenly necessary. They locked me out of online access, preventing me from even viewing my balance or making payments. When I provided the requested Form XXXX in good faith, they closed the account citing " insufficient documentation. '' Here 's where Barclays ' conduct becomes truly unconscionable : They refuse to provide basic account information. I can not access my statement balance, transaction history, or payment schedule. Representatives claim they have " no information '' about an account that was active just weeks ago. They've made it impossible for me to pay what I owe. Despite being ready, willing, and able to meet my obligations, Barclays has created a situation where I can not even determine what I owe or how to pay it. 
They won't confirm accurate credit reporting. As a small business owner and single mother, my credit history is crucial. Barclays refuses to confirm they will report accurately that this account closure was their decision, not due to any fault of mine. 


This sequence reveals a deeply troubling pattern : Aggressive solicitation of a profitable customer Collection of substantial fees ( {$640.00} balance transfer fee ) Sudden account termination without cause or explanation Refusal to provide basic account information or facilitate payment Potential credit damage to an innocent customer The harm here is beyond financial. Barclays ' actions have : - Potentially damaged my credit score through no fault of my own - Created financial uncertainty that impacts my business operations- Wasted countless hours dealing with their unresponsive customer service - Caused stress and anxiety about my financial standing - Set a precedent that banks can arbitrarily terminate profitable relationships after extracting fees. 

This isn't just poor customer service, it's a breach of the fundamental trust relationship between a bank and its customer. Barclays marketed to me, collected my money, then abandoned me without explanation or recourse. No customer should be treated this way, and no bank should be allowed to operate with such impunity. 

A financial institution that can not or will not provide basic account information to a customer trying to pay their bills has failed in its most fundamental obligation. Barclays must be held accountable for this unconscionable treatment of a loyal, paying customer.

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