Consumer complaint received 2026-01-03 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: CA

Complaint narrative:
This complaint concerns Barclays Bank Delawares continued failure to provide a substantive explanation for a credit-limit reduction on my XXXX co-branded credit card and its failure to reconsider or restore the credit limit after the account was paid in full. 

This matter relates to, but is not duplicative of, prior CFPB complaints, including CFPB complaint # XXXX, which were closed without substantive resolution of the issues raised. 

Prior to XX/XX/XXXX, my credit limit was reduced without notice, and my card began to decline for transactions as a result. I experienced the effects of the reduction before receiving any written communication from Barclays regarding a credit-limit change. 

Notably, my XX/XX/XXXX billing statement reflects a credit limit of {$19000.00}, creating an inconsistency between the functional credit limit applied to my account, the timing of transaction declines, and the credit limit disclosed on my statement. I later received a notice dated XX/XX/XXXX, after the reduction had already taken effect. 

When I initially contacted Barclays regarding the declines and reduction, I was informed that the change was due to XXXX. After contacting XXXX directly, I was advised that XXXX did not initiate or request any credit-limit change. In a subsequent CFPB response, Barclays later acknowledged that the decision was made internally by Barclays, contradicting the explanation originally provided to me. 

Barclays has never identified any specific adverse credit event or articulated the factors that triggered the reduction. Barclays has also failed to explain the timing of the reduction, which occurred during an active dispute and settlement process involving the XXXX XXXX account, or to address the lack of advance notice before the reduction was implemented and transactions began declining. 

Since that time, the account has been paid in full and currently carries a {$0.00} balance. Despite the elimination of any asserted risk, Barclays has not restored my prior credit limit and has provided no explanation for maintaining the reduced limit following payoff. 

In response to my continued complaints, Barclays has relied on conclusory statements asserting compliance with consumer protection laws and has repeatedly referred back to prior correspondence rather than addressing the specific inconsistencies, notice issues, transaction declines, and post-payoff inaction raised. Barclays XX/XX/XXXX correspondence again declined to provide substantive clarification and did not address why the reduced credit limit remains in place despite a XXXX balance. 

As of today, Barclays has not : Explained the specific factors that triggered the credit-limit reduction Reconciled contradictory explanations provided to me Addressed why the credit limit was functionally reduced and transactions declined before notice Addressed the inconsistency between the reduction and my XXXX statement reflecting a {$19000.00} limit Addressed the lack of advance notice Considered or explained the impact of the reduction during an active dispute Reassessed or restored the credit limit after the account was paid in full Because the harm is ongoing and Barclays has refused to provide a meaningful explanation or reconsideration, the issue remains unresolved despite prior CFPB complaint closures. 

I respectfully request CFPB review and assistance in obtaining : XXXX. A clear explanation of the specific factors that led to the credit-limit reduction XXXX. Confirmation of whether inaccurate or unverifiable information was relied upon XXXX. Clarification regarding the conflicting representations involving XXXX XXXX. Clarification regarding the timing of the reduction, transaction declines, and notice XXXX. Reconsideration and restoration of my prior credit limit in light of the accounts current {$0.00} balance Thank you for your review of this matter. 

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