Review and analysis of over 18 complaints against Barclays PLC
Barclays PLC consumers have reported over 18 official complaints related to Credit line increase/decrease. Out of the 18 consumer complaints against Barclays PLC, 6% were disputed by the consumer (i.e. the consumer was not happy with how Barclays PLC responded to their complaint) and 100% were processed in a timely manner. 6% of consumer complaints against Barclays PLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 6% resulted in non-monetary compensation.
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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... |
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... |
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, ... |
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... |
Barclays PLC Credit card credit line increase/decrease October 9, 2016 - Barclaycard Arrival Plus card lowered my credit line when I had a balance on the card. I paid in full every month and should not suffer the credit hit ( FICO went down - points ) because the balance was instantly above my credit line. I feel it is because they do not have the capital to lend anymore ... is that legal.?... |
Barclays PLC Credit card credit line increase/decrease September 22, 2016 - I have a credit card account with Barlcays Bank. I have had the account for 2 years. When they opened the account it was for $5000.00 credit limit. Over time it was increased to a $7000.00 credit limit. I have never been late on this credit card at all. Always paid it on time. Today I receive a message that my credit limit was lowered because they did a review on my application. They lowered it to -. Which was lower than what was originally offered to me. Keep in mind about 8 months ago I paid this account down to a balance of -. In that time I was offered to do a balance transfer on... |
Barclays PLC Credit card credit line increase/decrease September 12, 2016 - Between - and - 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.... |
Barclays PLC Credit card credit line increase/decrease September 8, 2016 - I have had a - Credit Card issued by Barclays Bank for years. I travel frequently as my work requires. I get paid at the completion of a project which can be many months so my credit utilization goes up and down. I have never missed a payment. Barclays recently reduced my credit line by $4100.00 without any notice what so ever citing my credit utilization as the reason. This left me with about $200.00 in credit available and a disastrously tumbling credit score due to now even higher credit utilization. I see from other consumer complaints that this is not an unusual practice for Barcla... |
Barclays PLC Credit card credit line increase/decrease September 7, 2016 - barclays decreased my credit card limit, I submitted a fraud claim and I asked if theres any way to reinstate my credit limit before the fraudulent transaction and the representative told me to wait after the result of the investigation Ive been waiting for a long time and up until now I have n't seen the result and no correspondent have been mailed.... |
Barclays PLC Credit card credit line increase/decrease August 22, 2016 - In checking my credit report I noticed that my credit limit had been reduced. I was not previously notified. I contacted the company and was advised that my limit was too high and so my limit was reduced. I asked about with reducing my credit that that still keeps my limit high to appear that my card is now maxed out which would affect my credit. The rep was nasty as said that it is their money that they are loaning me and they can take it back when they get ready because it 's their money.... |
Barclays PLC Credit card credit line increase/decrease June 26, 2016 - The following credit card company has closed my account for some unverifiable reason : Barclaycard For general correspondence : Card Services - - -, DE - Customer service - I have contacted them a few times and they have failed to respond back to me. I have also requested to be communicated via mail because that is one of my rights, they have also failed to communicate via mail and they are still calling me. I 'm requesting a full investigation on this issue because this is damaging my credit.... |
Barclays PLC Credit card credit line increase/decrease May 25, 2016 - Barclaycard without warning decreased my credit line by $4000.00 thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from $5000.00 to $1000.00. My balance was less than $500.00 a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '... |
Barclays PLC Credit card credit line increase/decrease May 10, 2016 - my Barclaycard credit card account credit line was reduced from - to -, this action causes major change in my credit score, because it maximizes card over - % thereby reducing credit score, all payments are on time, never late! I HAVE - CREDIT CARDS, AND THE ONLY ONE THAT REDUCES CREDIT LIMITS IS BARCLAYCARD! ... |
Barclays PLC Credit card credit line increase/decrease May 4, 2016 - barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is ... |
Barclays PLC Credit card credit line increase/decrease April 17, 2016 - I have had a Barclays credit card for years, in addition I have - delinquencies on my credit report. Barclays mails offers for 0 % interest on balance transfers ( for credit card ). I took up the offer and transfers $2700.00. dollars. On - -, I received a letter in the mail that my limit is being lowered because I had a - fico score from - ( - ). According to - - is good credit and with - delinquencies, I feel Barclays card is now hurting my score by lowering my credit limit, by a unjust means. They are using a ROBO style decision that will hurt - 's of people... |