Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
Complaint Regarding Barclays Credit Line Reduction and Refusal to Provide Human Review Barclays Arrival Premier Account ending in : XXXX To the Consumer Financial Protection Bureau : I am filing this complaint regarding Barclays Bank Delaware and the abrupt and unfounded reduction of my credit limit, likely instigated by AI review.

I have been a Barclays cardholder since XXXX. In that time, I have maintained a spotless payment history with Barclays, with no late payments or adverse events on this account. Overnight, my credit line was reduced by nearly {$11000.00}, despite the fact that the only late payment appearing on my entire credit history since XXXX was an inaccurately reported XX/XX/XXXX installment micro-loan late payment, and is under active dispute with XXXX. 

The late payment being reported is inaccurate. The loan agreement for that installment loan clearly shows that payments were due on the XXXX of each month, which I followed. However, the account was reported as late in XX/XX/XXXX despite my compliance with the contract terms. This inaccurate reporting is the sole basis for the claim that I have accounts with delinquency, which Barclays cited as justification for lowering my line. No other " accounts '' have ever shown a delinquency, so the plural " accounts '' is also wholly inaccurate.

When I received Barclays notice, I attempted to resolve this matter directly with the bank. Unfortunately, every time I called, I was met with customer service agents reading scripts very slowly and refusing to engage with me beyond those scripts. I was repeatedly told to submit credit line increase requests, but each request came back with the same boilerplate denial, citing the same inaccurate information.

At no point have I been able to escalate my concerns to an actual human credit review specialist who could exercise discretion or even acknowledge the fact that the delinquency in question is inaccurate and under dispute. Barclays has made it effectively impossible for me as a consumer to have this issue addressed in good faith I am therefore resorting to the CFPB for assistance, because Barclays automated and scripted responses have left me with no way to resolve this matter. I ask that Barclays be required to review my case manually, as human beings, taking into account : My clean payment history with Barclays since XXXX The fact that my only reported late payment ( XX/XX/XXXX ) is inaccurately reported, as evidenced by the loan agreement, and is actively disputed with the credit bureau The adverse impact of this overnight {$11000.00} reduction on my credit utilization and financial standing I appreciate your attention and request your assistance in compelling Barclays to properly review and reconsider this decision. 


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