Consumer complaint received 2025-08-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concern regarding the recent and drastic reduction of my credit limit on the AAdvantage Aviator Red World Elite Mastercardfrom {$31000.00} to $ XXXXwhich I believe was unjust and disproportionate to the circumstances surrounding a single returned payment. 

On XX/XX/XXXX, I scheduled a payment of {$29000.00} to cover my statement balance, which was confirmed via text. Concurrently, a secondary payment of {$760.00} was made via XXXX, scheduled to post on XX/XX/XXXX. Unfortunately, the larger payment was returned due to a clerical error in entering my new XXXX XXXX  account number. Upon discovering the issue on XX/XX/XXXX, I immediately contacted the bank. At that time, my account balance had not yet updated, preventing me from re-submitting the payment. Once the system reflected the correct balance, I successfully reissued the payment on XX/XX/XXXX. 

During my call on XX/XX/XXXX, the representative acknowledged the error and refunded approximately {$500.00} in interest, recognizing my intent to pay the full statement balance on time. At no point during this call was I informed of any credit limit change. I only discovered the reduction when I logged into my account later that day. 
I have been a loyal cardmember since XX/XX/XXXX, consistently maintaining high balances and making timely payments. My account history reflects responsible usage and a strong repayment record, with only XXXX late payment on XX/XX/XXXX, XXXX XXXX day past the due date. I confirmed with a representative named XXXX on XX/XX/XXXX, that the recent returned payment did not constitute a late payment and would not affect my credit bureau reporting. 

The letter I received cited delinquency and high usage as reasons for the credit limit reduction. However, given that the returned payment was promptly resolved and not classified as late, I respectfully question the accuracy of this classification. Furthermore, the timing of the credit limit reductionimmediately following the interest refundraises concerns about potential retaliatory action, which may fall under UDAAP scrutiny. 

To further complicate matters, I proactively requested a credit limit increase following the reduction. While my limit was partially restored to {$2500.00}, this amount remains drastically below my original limit of {$31000.00} and does not reflect my long-standing positive credit history or the isolated nature of the incident. The partial restoration appears arbitrary and fails to acknowledge the full context of my account performance and resolution efforts. 

I respectfully request that my credit limit be fully restored in good faith, reflecting my history as a responsible cardmember and the isolated nature of this incident. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

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