Credit card or prepaid card -- Fees or interest -- Complaint #5607544
Complaint Overview
Complaint ID: 5607544
Company: Barclays Bank Delaware
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Pennsylvania
ZIP Code: 190XX
Date Received: 2022-05-26T12:00:00-05:00
Date Sent to Company: 2022-05-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I made a purchase of a gift card reload of {$1900.00} with my Barclaycard Rewards Mastercard. I then noticed a cash advance fee was charged to my account. This transaction was not a cash advance and was incorrectly coded as one. In addition, I had previously set my cash advance limit to {$100.00} when I originally opened the card in XX/XX/XXXX. Therefore, if this transaction was going to code as a cash advance, it should have been declined and not gone through in the first place. I tried to resolve this with Barclaycard ( spoke with a representative named XXXX on XX/XX/XXXX ) and while they finally refunded the fee after much debate, they were unable to do anything to correct the incorrectly coded transaction. I was specifically told " this transaction was not declined based on your cash advance limit because it was a manual transaction and was not a cash advance '', which contradicts everything else I was told.
Frequently Asked Questions
What is Complaint #5607544 about?
Complaint #5607544 was filed against Barclays Bank Delaware regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2022-05-26T12:00:00-05:00.
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 or prepaid 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.