Credit card -- Fees or interest -- Complaint #14223960
Complaint Overview
Complaint ID: 14223960
Company: Barclays Bank Delaware
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 33178
Date Received: 2025-06-22T12:00:00-05:00
Date Sent to Company: 2025-06-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Im filing this complaint due to being misinformed and misled by a Barclays representative regarding the {$99.00} annual fee on my AAdvantage Aviator XXXX MasterCard. I had already requested to downgrade the card prior to my last phone call with Barclays, which took place several weeks ago ( possibly over a month ago ). During that follow-up call, I asked about the {$99.00} annual fee, and the agent told me not to worry that since I had downgraded, the fee would adjust itself and there was nothing I needed to do. At no point was I informed that the downgrade had not actually been processed, or that I needed to take further steps. I relied on that information and waited, trusting the representatives assurance. Today, when I called back after seeing that the charge still had not been reversed, I was told the downgrade never happened and the fee would not be removed. I was never notified that my downgrade request had failed, and I was misled into thinking the issue had been resolved. If I had known the truth, I would have acted immediately. I am requesting that the {$99.00} annual fee be waived due to the misinformation I was given and Barclays failure to follow through or inform me appropriately. If the fee can not be waived, I am requesting that the account be closed immediately and marked closed at consumers request. I am aware that under the Truth in Lending Act ( TILA ), card issuers are required to provide accurate, timely information about fees and account changes. I was misinformed by a Barclays agent and relied on that information to my detriment. I believe this qualifies as a violation of fair disclosure standards and may fall under unfair or deceptive acts or practices ( UDAP ) as recognized by the CFPB. I no longer wish to be a MasterCard customer based on how this was handled.
Frequently Asked Questions
What is Complaint #14223960 about?
Complaint #14223960 was filed against Barclays Bank Delaware regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-06-22T12:00:00-05:00.
How did Barclays Bank Delaware respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Barclays Bank Delaware?
Yes, visit the Barclays Bank Delaware company profile at readthecomplaint.com/company/barclays-bank-delaware to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.