Consumer complaint received 2026-02-25 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: WI

Complaint narrative:
Complaint Against : Barclays Bank Delaware Product : Credit Card Issue : Rewards forfeiture and account closure following servicing transition I am submitting this complaint regarding the closure of my XXXX XXXX XXXX XXXX account and the forfeiture of more than XXXX XXXXXXXX in accumulated rewards. I had been a cardholder for over XXXX years with a strong payment history and no prior delinquencies. My account was consistently set up on automatic monthly payments, and I had never previously missed a payment. When the XXXX XXXX XXXX XXXX portfolio transitioned from XXXX to Barclays, my automatic payment arrangement did not transfer to the new servicing platform. I was not clearly notified that my autopay enrollment would be canceled or require re-enrollment. Because this card was used infrequently and had historically been paid automatically in full each month, I had no reason to believe a balance remained outstanding. The first notice I received was a letter stating that my account had been closed for non-payment in XX/XX/year>. Upon receiving this letter, I immediately paid the outstanding balance of approximately XXXX XXXXXXXX in full. I then called Barclays asking for reinstatement of my account. They would not reinstate it and said I could reapply. I was denied. I then called XXXX and was told my XXXX XXXXXXXX in points were still able to be used. They do everything possible to customers can use their earnings. I called again in XX/XX/year> and was told my points were no longer available to me. I called again today, XX/XX/year> and spoke with Barclays and XXXX. Since Barclays closed my account, and will not reinstate/reopen it, my points with XXXX are unable to be used. Despite my long-standing history and immediate payment upon notification, Barclays closed the account and forfeited over {$3300.00} in earned XXXX rewards. These rewards were accumulated over many years and were intended to be applied toward the purchase of a XXXX vehicle very soon. I have contacted Barclays directly to request a goodwill review and reinstatement of the rewards, explaining that the missed payment was directly related to the servicing transition and the failure of autopay to transfer. Barclays declined to reopen the account or reinstate the rewards. I believe it is unreasonable and inequitable for a long-time customer to forfeit substantial earned rewards due to an administrative servicing transition, particularly when autopay had been in place and the balance was paid immediately upon notice. I am requesting the following resolution : XXXX. Reinstatement of the {$3300.00} in XXXX rewards for use toward a future XXXX vehicle purchase ; and XXXX. Confirmation that no negative credit reporting related to this issue will remain on my credit file. I respectfully request that this matter be reviewed by Barclays XXXX response team and resolved fairly in light of the circumstances.

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