Review and analysis of over 1,789 consumer complaints
| Barclays PLC |
| JPMorgan Chase & Co. |
| Synchrony Bank |
| JPMorgan Chase |
| PNC Bank |
| Barclays |
| RBS Citizens |
| Wells Fargo |
| Fifth Third Bank |
| TD Bank |
| USAA Savings |
| Amex |
| GE Capital Retail |
| Discover |
| Company | Complaints |
|---|---|
| Citibank | 339 |
| Capital One | 266 |
| Bank of America | 205 |
| Amex | 200 |
| JPMorgan Chase | 184 |
Synchrony Financial Credit card credit line increase/decrease April 7, 2017 - In -/-/2015 I purchased my very first home. I incurred high balances on several of my accounts as a result of renovations and making the house our home. I also sustained a small injury and a small medical debt while renovating. Needless to say these things caused my credit score to drop. I 've been paying everything down as best I can ever since and have never been late on a payment. But every time I make a substantial payment towards my Synchrony accounts they lower my credit limit to just above what the new balance is. This makes it look like I continue to have high balances on my accou... |
Bank of America Credit card credit line increase/decrease April 3, 2017 - I called to raise my credit limit, without authorizing or being told. I would have NEVER allowed a credit check, as I am trying to purchase a home and need to have a clean check history.... |
Synchrony Financial Credit card credit line increase/decrease March 30, 2017 - Many months back my credit limit was around - dollars. I only opened this card to build good credit but then found out from a financial advisor my available credit ratio was actually hurting my credit. As I was paying down the available credit, card services dropped my credit limit to around 450/500. I have been sending in monthly payments as well as double payments since then. In the statement for -/-/- my limit was 490 and my available credit was 114. I 've submitted more payments and have not used the card since then and the statement for -/-/- says the limit is 300 and I have ... |
Barclays PLC Credit card credit line increase/decrease March 30, 2017 - I understand that there are no laws regarding a banks right to decrease a consumer 's credit limit but today I saw where Barclay reduced my credit limit of $3500.00 with a balance of $1900.00 to a credit limit of $2100.00. That changes this card 's utilization percentage from 56 % to 91 %. This account has been open a year, I 've never missed a payment with them or any of my other accounts in the last 3 years. My overall utilization score was about 35 % and I have no collections and no public records. This is the second company to cut my limit raising my utilization score and lowering my... |
SunTrust Banks, Inc. Credit card credit line increase/decrease March 28, 2017 - I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the - number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insiste... |
Bank of America Credit card credit line increase/decrease March 24, 2017 - I have three credit cards which are very rarely used. The card in question is a - Bank of America card. It has a $1000.00 limit. I have never been late with this and usually pay ahead of time AND in full. I recently paid off over $80000.00 on my kids loan. Our family income is over $100000.00. According to the - credit report, everything shows OK ... yet Bank of America refuses to increase my limit ( I requested a $5000.00 limit ). The reason for this ... we go on cruises. If I use this credit card ( which I always have the money to back it up and pay when due ) I get reward poin... |
Synchrony Financial Credit card credit line increase/decrease March 23, 2017 - Pep boys - has not increase my credit line Makes it tough to use the card in fear of maxing out credit limit... |
Bank of America Credit card credit line increase/decrease March 20, 2017 - In an effort to improve my credit, I requested a credit limit increase from each of the companies with whom I have a credit card account. All, with the exception of Bank of America, pulled a soft credit inquiry to make a decision, while Bank of America pulled a hard credit inquiry. While I realize they have the ability to access my credit, they should be required to advise all of their customers who are requesting a credit increase of the type of credit inquiry they intend to pull. I submitted my request online, and at no point did they inform me of this information. Had I been informed, I wou... |
Barclays PLC Credit card credit line increase/decrease March 14, 2017 - I am a - veteran, I do n't expect any special treatment for that but I want to let both you and anyone else know who may have a Barclaycard account or may be considering it just how they are. I have attached a history sheet with my own personal encounters with this company and I hope you provide some way to download it. Long story short I have been with this company since -/-/- I started out with a - credit line it was increased in -/-/- to - this only lasted 9 short months at which time in -/-/- this line of credit was decreased after the card was paid in full to - ... |
Barclays PLC Credit card credit line increase/decrease March 4, 2017 - I am a - and currently a graduate student at the -. I was trying to book an Air BnB but was prompted at the end of my booking that it could not be processed. I was well under my credit limit and had just recently paid my Barclay credit card. I called Barclays on -/-/- ( US ) and was told that I only had $270.00 of credit available. I assumed that my card number had been compromised and unauthorized purchased had been made. However, the representative told me that my credit limit had been lowered by $700.00 due to information they received on -/-/- ; therefore they dropped m... |
Synchrony Financial Credit card credit line increase/decrease March 3, 2017 - WALMART DECREASE MY CREDIT LIMIT WITHOUT A REASON ALWAYS PAID ON TIME NEVER LATE I USED THE CARD OFTEN PAID TO 0 MULTIPLE TIMES... |
Synchrony Financial Credit card credit line increase/decrease February 28, 2017 - I had at one time four different retail credit cards with Synchrony Bank after Synchrony Bank purchased those assets from GE Capital. Since then, Synchrony Bank has closed out one of my credit cards in which I never was late, and they lowered my credit limit on three of my other credit cards despite me not having any late payments or delinquency. I think their business practices are unfair and unreasonable. I have read many online forums where these business practices have been commonplace with them. I want to file a formal complaint against Synchrony Bank for unfair credit practices and credi... |
Bank of America Credit card credit line increase/decrease February 21, 2017 - Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. I just checked my credit score yesterday and realized that this had negatively effected my credit score by - points... |
Citibank Credit card credit line increase/decrease February 20, 2017 - Citi Bank company purposefully dropped my credit limit under what I owe by almost $1000.00, without warning or time to bring my balance down under the limit. ( Previous limit : $4500.00 ... .dropped to $2300.00 ... .when I owe $ - ) Following is what happened, -/-/-, 2017 just before midnight, I made a payment of $1000.00 to Citi. I realize in the morning payment was for the wrong card. I called and asked Citi stop the transaction. I was told they did not see it in their system. As a precaution, I called my bank and explained what happened and to stop this payment. -/-/- 2... |
Citibank Credit card credit line increase/decrease February 18, 2017 - Without provocation, I received notice that my credit line was being decreased by nearly 100 %. My available credit was reduced from $ - to - ( the rough amount of my available balance ). When I called to question the change, I was provided a nob-descript response referencing my - report. It was my understanding that under the FCRA I was entitled to a copy of this report, but was refused by Citi and have been given no further explanation. This is predatory in that it affects my utilization of credit, further subjecting me to increase in APrs, etc and a higher cost of credit withou... |
Citibank Credit card credit line increase/decrease February 15, 2017 - Citibank , NA has erroneously and drastically reduced my credit limit to my credit card ending in -, the credit limit has essentially been reduced to zero as the new limit is the balance of my account, severely impacting my balance to availability ratio. Citibank sent me a letter informing me of this decision on -/-/16 stating due to a delinquency I have with another creditor, they have reduced said credit line. They did not specify with whom I have this said delinquency with and when I called their customer support, they could not tell me where said delinquency was originating from a... |
Citibank Credit card credit line increase/decrease February 13, 2017 - CBNA did an unauthorized Hard Inquiry on -/-/2017. Their information mailing is - - - -, - -, SD - and their contact number is -. When calling the number, the company stated was CitiGold and the only way to talk to someone was to enter my social security number- and I 'm not doing that. I have no idea what this is and did not authorize/approve ANY company to do a hard inquiry. I did ask for a credit line increase from Citibank on a credit card but nowhere did it say on the request that a hard inquiry would be preformed. Can you please remove this Hard Inquiry? Thank y... |
Citibank Credit card credit line increase/decrease February 13, 2017 - There was an incident with CitiMortgage ( see CFPB Complaint # - ) that caused inadvertent negative credit reporting which CitiMortgage has since agreed to remove. However, as a result CitiBank who backs my Home Depot credit card reviewed my credit worthiness during the time frame in which the negative error reporting was taking place immediately reduced my credit limit to the balance of the credit card itself which makes it appear as though I now have a maxed out credit card which also reduces my credit score even further. I have maintained excellent credit worthiness throughout my life un... |
Barclays PLC Credit card credit line increase/decrease February 12, 2017 - I have been discriminated against and treated unfairly by Barclaycard Delaware. Recently, I was notified that my credit limit was reduced by $600.00 because I was " nearing my limit ''. I was at least $900.00 away from my credit limit at the time it was reduced. When my card was declined today while making a purchase, I called customer service to find out what was happening. I was told a letter had been sent in the mail the day prior ( yesterday ) explaining why my credit line was reduced, which as stated, was because I was nearing my limit. Why am I given a limit if I ca n't get near it o... |
Barclays PLC Credit card credit line increase/decrease February 10, 2017 - I have been a customer of this credit card company for about 2 years. I began with a credit line of about -, I then requested an increase and was given a line of -. Every one of my credit and loan accounts if in good standing, no account in default or missing payments. Periodically I review my accounts for changes in APR 's and I noticed that the available credit on this card was not what it used to be. I found that this bank lowered my credit line to - without notifying me, putting my utilization ratio to about 95 %, causing irreparable damage to my credit score. When I called them, ... |
Synchrony Financial Credit card credit line increase/decrease February 6, 2017 - On - -, 2017 my mother who is an authorized user on my Walmart credit card which is managed by Synchrony Bank contacted synchrony bank to see if there was $40.00 available to spend. The customer service rep. Advised that there was enough. Less than an hour later my mother went to was Walmart and picked up a few items. However while checking out the Walmart card was declined. My mother advised me of this incident and I called synchrony bank as asked what happened as o should have almost $160.00 in available credit. When I called the customer service rep advised that this account credi... |
Bank of America Credit card credit line increase/decrease February 4, 2017 - I have credit card with bank of America that had a high Balance ( aprox $4800.00 on a $5000.00 line ) I made a payment Of $2500.00 to decrease my high balance against my available Line in an attempt to help restore my credit score to a higher Level. Bank of America with no notice immediately Decreased my line to $2300.00 after they received the $2500.00 Payment leaving my credit usage to still show I have high Usage against my available line of credit as they had Reduced it! I think them being able to decrease a line of Credit with no warming or grace period is extremely unfair From ... |
Synchrony Financial Credit card credit line increase/decrease February 1, 2017 - Received a letter today from Synchrony Bank stating that they reviewed my account and decided to lower the credit limit on my Chevron and Texaco Credit Card account to $1200.00. My limit was previously $3000.00 and I 've had this credit card for over 10 years.... |
Wells Fargo & Company Credit card credit line increase/decrease January 30, 2017 - I was ( closed my bank accounts in -/-/- ) a Wells Fargo customer for over 20+ years. I applied for a $10000.00 home equity loan over a year ago and was declined, however they said I was already approved for a $10000.00 credit card. I took the credit card with zero interest for one year. They upped my credit limit to $13000.00, and then to $16000.00 without me asking for increases. I now have a $13000.00 balance at 27 % interest and tried to pay down the balance with my bank account. I made a $10000.00 electronic payment on -/-/- and received a confirmation letter from We... |
Citibank Credit card credit line increase/decrease January 27, 2017 - Citicard Corp. continues to decrease my credit as I am paying down my balance, My desired resolution would be to get permission from me to run a credit check continuously when ever they feel they want to without asking. They say they sent me an email but I received nothing and also a text message but again simply not true. I authorized them one time to do this credit check initially to obtain their card I no longer desire to have their credit cards so I am paying them off and closing the accounts. The card company representative had informed me that she checked into this and seen that - cre... |
Bank of America Credit card credit line increase/decrease January 26, 2017 - I applied for credit line increase and I was denied because the bank told me that 's I had a previous credit card back in -/-/2004 and I explain to bank of Americ I did n't open this card and send me a fraud packet and I never received it and I called again and they could n't find any records that I applied for credit line increase or a credit card I feel like this is n't right nor its fault I currently have the secured credit card and I made all my payments on time and early and I do n't get rewarded for my hard work and they wont increase my credit line I explain to bank of America that my... |
Synchrony Financial Credit card credit line increase/decrease January 23, 2017 - Synchorny bank lowerinf credit limit after paying down balances. I recently submitted a complaint with CFPB about being reported late. I have had a number of accounts with Synchrony. I advised them that their history must be wrong. I habe not had any problems with all of my other Synchrony accounts. Shortly after filing the complaint with CFPB Synchrony lowered my credit limit on my banana republic card. I then closed the account as the new limit was $100.00. You can not purchase much with that limit. I then filed a started litigation against Synchrony bank. Last week i paid down balances on... |
Bank of America Credit card credit line increase/decrease January 22, 2017 - I placed $1200.00 in my Bank of America credit card account. Bank of America reduced my credit limit by $1000.00 and took $1000.00 of the $1200.00 fr from my account. The $1200.00 was an attempt to lower the admittedly high balance and to begin resurrecting my credit. Not only is appropriating the funds unfair but it serves to further unsettle my credit standing. Furthermore, I am in fear that BOA may take money from checking account. I can not even close the account without realizing further credit penalties ( BOA is my longest opened account ). Finally, the credit report used was b... |
Synchrony Financial Credit card credit line increase/decrease January 20, 2017 - I have several retail accounts which have been sold to or serviced by Synchrony Bank. During the last six months, Synchrony Bank has lowered my credit limit with each account ; however, all accounts were paid prior to the due date and payments exceeded the amount due each month. By lowering my credit limit, Synchrony Bank adversely affected my credit score with the - major credit reporting bureaus. Synchrony Bank has either filed hard inquiries or reported lower credit limits during six of the last eight months. Synchrony Bank has NO JUSTIFICATION in conducting these monthly credit inquirie... |
Bank of America Credit card credit line increase/decrease January 19, 2017 - Bank of America reduced my credit limit on - cards. - - I called in, talked with an agent and made $100.00 payment on each - cards. Normally I use automated system but did not have cards with me so spoke with agent who looked up the accounts. She did not once state the minimum payment due. - - I received an email from BOA stating that - account is late and my credit line is reduced on both accounts as of - -. Payment on - account was $7.00 less than minimum due. I called BOA -, was transferred 4 times and finally spoke to rep who stated she can see that err... |
Barclays PLC Credit card credit line increase/decrease January 19, 2017 - Barclaycard US lowered my credit limit to just about match the balance on my card. This increased my debt to credit ratio, hence dropping my credit score, when I did nothing wrong. I was not late on a payment nor did I go above the credit limit. Frankly, I have never been late on a payment in my entire life. My credit report is perfect, but I do have debt. I understand that lenders will frequently evaluate risk and have the " right '' to lower the limit, but setting the limit to match my balance was not fair. This practice frankly should be illegal. If I ca n't just increase my credit limit wh... |
Barclays PLC Credit card credit line increase/decrease January 16, 2017 - Hello, My name is - - and I am writing in regards to my Barclays Rewards MasterCard. I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documen... |
Amex Credit card credit line increase/decrease January 13, 2017 - I opened a credit card with American Express and they gave me a limit of $10000.00. They asked if i would like to add a family member 's name to the account and have a card sent out to her ( my wife ). They said on the online form that they needed her SSN and that they would not run it, just have it on file for identification purposes. A few months later they arbitrarily reduced my credit limit by $6000.00 and said that I was carrying too many cards with high balances. I only have 2 other cards and and the limits on those are $4000.00 and $500.00. Then It turns out that they 've run my... |
Wells Fargo & Company Credit card credit line increase/decrease January 11, 2017 - I applied for a credit line increase through Wells Fargo so that I can increase my credit score. I have never been late with any credit card payments. Wells Fargo rejected my inquiry to obtain a credit line increase. My - - score is -. I requested a supervisor. A Wells Fargo supervisor named - ( Employee ID # - ) stated that there was very little activity on my - card. I replied that Wells Fargo was doing an injustice for excellent customers. So, now I have a hard credit pull from my report and no credit line increase.... |
TD Bank US Holding Company Credit card credit line increase/decrease January 8, 2017 - My complaint is against Target Redcard credit card. I recently received a letter from them that they have lowered my credit limit because I was not paying it off fast enough and have balances on other cards, even though I make my payments on time every month. For months, they kept upping my credit limit, which I never asked for and as a result of this, there were hard inquiries on my credit rating from them which hurt my credit scores and now they want to lower my limit after they are part of the reason my credit scores have gone down? I find this unfair. I never asked for them to keep upping ... |
Bank of America Credit card credit line increase/decrease January 4, 2017 - Credit line availability increase request - On -/-/-, I requested Bank of America evaluate my current credit availability on my credit card for a potential increase in limit. I submitted a simple form online which asked for basic info like annual income. During the process, I was not asked for Bank of America 's authorization to make a hard inquiry on my credit. However, the credit line increase request resulted in a hard inquiry which had a negative impact on my credit score. - On -/-/-, I called Bank of America to request that they provide me with the documentation which s... |
Amex Credit card credit line increase/decrease January 3, 2017 - After - bounced payment in early - -, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on -/-/- by $1500.00. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. I then called the following day ( today ) to restore my credit. They said over the phone ( - # - ) that if I paid $2900.00, that my limit... |
Synchrony Financial Credit card credit line increase/decrease January 3, 2017 - JP Penney claims that they sent the bill of $5.00 to my address but I did n't not receive it, as a result the company reported it as a negative item on my credit report. No other attempt to reach me was done. As a result my credit score was greatly affected, from - to -.... |
Citibank Credit card credit line increase/decrease January 2, 2017 - It is my opinion that CitiBank is engaging in - discrimination in at least this instance, both in how a compromised - card was handled, the charges for expedited replacement and approving only $22000.00 of a requested $25000.00 credit line increase with income identical to my husband, and credit scores either identical or nearly identical to his. His was granted, mine was not. My husband 's card was compromised on -/-/16 and a replacement card was sent next day air at no charge, without him asking. My - was compromised on -/-/16 and I was told I would receive a replace... |
Synchrony Financial Credit card credit line increase/decrease December 30, 2016 - my credit line was decreased on my - account, due to inactivity according to their representative, and they failed to notify me of the adverse action taken on my account. I have not missed a payment on this or any other account that I own in over - years ...... |
Bank of America Credit card credit line increase/decrease December 24, 2016 - This week - - - I received - letters from Bank of America informing me that 3 of my cards credit limits had decreased, and I am not talking about a small adjustment ; one of the cards credit limit went from $19000.00 ( established through many years ) to $500.00. So I printed 2 credit reports to see what had happened, and to make sure my accounts had not been hijacked. In the adverse accounts there were one late payment under $40.00 in account A last year. Account B had one late payment in 3 years and account C had a small delinquent payment in 3 years. The three accounts were cla... |
Amex Credit card credit line increase/decrease December 23, 2016 - Extended credit of $ - addition credit of existing limit. Deny because of past bankruptcy in 2012. Requested AMerican Express Credit policy and I was denied. Only re-cause-is to ask CFFB to request Amex credit policy in my behalf and provided it to me. Therefore, I can you forward to me at - - - - - -, -, Florida --... |
JPMorgan Chase & Co. Credit card credit line increase/decrease December 23, 2016 - This complain is based on the fact that I shell not pay for transaction which are not mine. I have had over 20 years long relationship with CHASE Credit Card and Private Banking and have had no similar disputes in the past. I pay my statement amounts on time and in full with understanding that when there is a disputed charge or an unauthorized charge banks are obliged to follow certain legal standards and pursuant to Fair Credit Billing Act ( FCBA ) : ( sic ) ... '' Credit Card companies must resolve dispute within billing cycles ( but not more than 90 days ). '' - If not they can not collect ... |
Synchrony Financial Credit card credit line increase/decrease December 22, 2016 - A few months prior, I had major - to remove - from a -. During this time, I missed - payment on - of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is ... |
Capital One Credit card credit line increase/decrease December 22, 2016 - At age of - in -/-/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.... |
Synchrony Financial Credit card credit line increase/decrease December 21, 2016 - Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of $1000.00. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from $1000.00 to $250.00 ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through - that I did n'... |
Amex Credit card credit line increase/decrease December 21, 2016 - I received an email notification from American Express credit line determination department, stating that there had been a change to my credit limit. When I opened the email the information stated AME- had decided to lower my credit limit by $3000.00, from approximately $9000.00 to $6000.00, thus placing the card which already had a $6000.00 balance on it into a maxed-out credit card position. They advised me to call if I had questions, no explanation was given in that email. I called and spoke to the - different individuals, a regular representative, a credit line representative an... |
Navy FCU Credit card credit line increase/decrease December 16, 2016 - I 've had an account with Navy Federal since - and in - of that year they approved me for a credit card with a $500.00 limit. After some time I added my wife to the account as a joint card holder. After about a year, I requested for a credit limit increase which was approved to $20000.00 limit. Recently this year I requested for another credit limit increase and was declined for that increase. The reason was " Excessive credit obligations ''. FYI, between my wife and I, we have less then $7000.00 outgoing in expenses. Our gross monthly income is OVER $ - monthly! I ask you, DOES... |
Citibank Credit card credit line increase/decrease December 16, 2016 - I contacted Citibank/Home Depot card service in -/-/- regarding severe flooding, which was declared a federal disaster # -, in -. This caused me a major hardship as I lost my home and vehicles as well as the indirect effect on my business. The representative, -, advised there would be no problem since it is a federal disaster that policies were in place to assist. There would be no late fees, interest and they would not report any negativity to the credit bureau. I asked if there would be double or triple payments due, as well as would this effect my credit limit/interest rate an... |
Citibank Credit card credit line increase/decrease December 16, 2016 - Account was paid in full on time and closed. - did not report late payments until this account was closed. I have - other - accounts in good standing. If I never paid on time why was more credit extended with credit limit increases.... |
Synchrony Financial Credit card credit line increase/decrease December 15, 2016 - I purchased through Care Credit a prepaid service for -. I was invited in to review my height and weight, the person handling the observation, had no medical background. She determined i was a " candidate '' for the - procedure which required pressure sales tactics. I finally agreed after being coerced, into contacting Care Credit, after I had mentioned I did n't have the money. They called a direct line where I was instructed to give my information, and they increased my limit with minimal review, in less than a minute. At this point I was on the hook for this service as it was charged ... |
Capital One Credit card credit line increase/decrease December 14, 2016 - I have a CapitalOne - Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she... |
Synchrony Financial Credit card credit line increase/decrease December 14, 2016 - Synchrony Bank to creditor of my Amazon Prime Store card reduced my credit limit for not specific reason. I called to inquire about an exact reason relating to this account. I was meat with a lot of opposition by a person by the name of - who claimed she was the person authorized to make a determination on this issue and refused to escalate my call when I ask her to. She did not provide any specific reason for this change in credit limit ( - credit limit to - credit limit ). The account has never been delinquent nor maxed out. - - lead me to believe had the authority to restore ... |
Capital One Credit card credit line increase/decrease December 14, 2016 - I rented a car from - and they asked me for a credit card ( Capital One Card ) to place a " hold '' on until I returned the car. At the time of return, I had been told I could pay in cash but they ( - ) said they would not accept cash so I gave them a different card ( - - ) because the amount was over my limit on the Capitol One card. I advised the merchant not to charge my Capitol One card and the representative agreed. I left the car rental company thinking everything was taking care of until I checked on my Capital One card and it had been charged for the car rental and was well... |
Sterling Jewelers Inc. Credit card credit line increase/decrease December 14, 2016 - I recently opened a new credit account with Kay Jewelers and was approved for a $1000.00 credit line. After the account was approved, the available credit was subtracted by $530.00 for a previous Chargeoff account that was sold to - in -. I satisfied the balance IN FULL with - - - on -/-/- and I showed Kay Jewelers - - - ( - Virginia ) location a copy of the payment confirmation letter on -/-/-. The representative called Kay 's Credit Authorization department and confirmed with the department that the previous account balance was paid in full. ... |
Synchrony Financial Credit card credit line increase/decrease December 14, 2016 - walmart credit closed my account with no notification. I called and they demanded to run a new credit inquiry to reopen it. I did not request it to be cloed. This effects my available credit and therefore my credit score as would a new inquiry.... |
Capital One Credit card credit line increase/decrease December 9, 2016 - Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the - about this and Capital One replied w/ a scripted re... |
BB&T Financial Credit card credit line increase/decrease December 6, 2016 - I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed - hard inquiries on my credit report. I contacted BB & T and explained the situation. The agent ( - ) I was speaking to had her Supervisor ( - ) listen to my original phone cal... |
Capital One Credit card credit line increase/decrease December 1, 2016 - i have a credit card with capital one and when i called in i was told that my credit line went up to - and it only went up to -... |
Citibank Credit card credit line increase/decrease December 1, 2016 - On -/-/2016, I made a $420.00 payment. This would have left me with $560.00 credit available to use on this card. I planned on using this card or about $ - of it for a trip we are taking. On -, after my payment posted of course, I get an automated phone call stating that they have now decreased my credit limit $500.00 leaving me on $69.00 available credit. When I called, they stated that all my payments to them have been on time but tried saying that I 've been paying late on other credit cards I have. That is NOT TRUE. I have NOT missed any payments, in fact since I 've gotten... |