Credit card -- Fees or interest -- Complaint #8109687
Complaint Overview
Complaint ID: 8109687
Company: Barclays Bank Delaware
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Charged too much interest
State: California
ZIP Code: 94568
Date Received: 2024-01-04T12:00:00-05:00
Date Sent to Company: 2024-01-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My experience with Barclays which issues the XXXX XXXX XXXX card was really bad. The XXXX % ARP promotion that I initiated was not fulfilled yet the transfer was completed at the full interest rate and a 5 % fee. The reason given was that the check was used after the date specified. Barclays should have rejected the balance transfer since the check used to initiate the transfer specifically for a 0 % promotional offer and no where did it say that using the check after the specified date would automatically trigger a different interest. Barclays completed the balance transfer requested, took a {$750.00} ( 5 % ) transfer fee but started charging me 25.24 % APR on a balance of {$15000.00}. By the time I realized that Barclays was not fulfilling its obligation of 0 % APR for the initial period, I had already been charged and had paid a total of {$750.00} in on time fee and {$1400.00} in interest for a 4 month time frame on a {$15000.00} balance transfer. All this is in addition to a {$99.00} annual fee that I pay for this card. Eventually I was able to avail the offer from another bank to meet my temporary needs and pay off the balance in full. I would like all Fee and Interest refunded to my account.
Frequently Asked Questions
What is Complaint #8109687 about?
Complaint #8109687 was filed against Barclays Bank Delaware regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-01-04T12:00:00-05:00.
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.