Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
Subject : Formal Complaint Regarding Mishandling of Account After Identity Theft Incident To : JetBlue Credit Card Customer Service Phone number : XXXX XXXX Dear Sir or Madam, I am writing to formally raise a complaint concerning the mishandling of my JetBlue credit card account following an identity theft incident reported in XXXX. 

While I appreciate that your team restored the points fraudulently used, the subsequent treatment of my account has been both unfair and damaging. Without any wrongdoing on my part, my credit limit was abruptly reduced from {$20000.00} to {$500.00}, which effectively rendered the card unusable. Despite this, I was still charged a {$100.00} annual membership fee for both XXXX and XXXXyears during which I had no practical ability to use the card or access the benefits associated with it. 

In XXXX, after over XXXX years of being unable to use the card and receiving no meaningful assistance, I requested the account be closed. To my surprise, I was still charged the {$100.00} annual fee for that year as well, and your institution began applying $ 40 monthly late fees for non-payment of that feeultimately bringing the total balance to over {$250.00} for a closed, inactive account. 

Throughout this ordeal, I made multiple attempts to resolve the matter in good faith. I specifically and repeatedly requested the email address of a representative to whom I could send documentation and a formal complaint. I was consistently told that communication had to be sent via fax or physical mail. I complied with those instructions and sent my documents to both the provided fax number and mailing address. However, I was later informed that neither submission was received. This has further compounded my frustration and made it clear that there is a systemic failure in your complaint-handling procedures. 

To summarize : My credit limit was reduced without cause immediately after I reported identity theft. 

I was charged annual fees for years in which I was unable to use the card. 

My account was closed at my request, yet I continued to be billed and penalized. 

I made repeated efforts to resolve the issue through your stated channels, which failed due to what appears to be either internal mismanagement or deliberate obstruction. 

Given the financial harm and emotional frustration caused by this matter, I respectfully request the following : Immediate removal of all unjustified charges, including the XXXX annual fee and subsequent late fees. 

A full refund of the annual fees paid for XXXX and XXXX, during which I had no meaningful access to the card. 

A detailed written explanation of the rationale behind the credit limit reduction and the continued billing after closure. 

Confirmation that my credit report will be corrected to reflect the unjust nature of these charges and that my account is in good standing. 

This letter shall serve as a formal complaint. I expect a written response within XXXX ( XXXX ) calendar days from the date of this email. Failing a timely and satisfactory resolution, I will be left with no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. 

I urge your office to address this matter with the seriousness and urgency it deserves. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX 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 monetary relief