Consumer complaint received 2023-09-28
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/, I initiated a balance transfer offer with Barclays Card US to pay off the remainder of my personal vehicle loan with XXXX XXXX XXXX  ( XXXX ). At the time I had a {$0.00} balance with Barclays on a revolving credit line of {$10000.00}. I requested {$5000.00} be transferred, as this was the projected payoff amount of my loan as of XXXX. I chose this date to ensure there would be enough time to process the transfer of funds. 

For this amount, I was assessed a balance transfer fee of {$200.00} ( 4 % ). The total amount I was to owe Barclays was {$5200.00}. 

The following week, I received a letter in the mail from Barclays stating that they " could not process '' my balance transfer request due to " insufficient funds. '' Upon reading further, the letter stated that a balance transfer of XXXX XXXX XXXX was attempted and rejected. This was obviously their error as all of my confirmations and documentation within the Barclays website reflected the correct request of {$5000.00}. 

On Tuesday, XXXX XXXX XXXX ( later due to the holiday ), I once again initiated a balance transfer to pay off my car loan at XXXX ; however, at this time, due to daily accrued interest my payoff had increased to {$5000.00}. This greater amount also triggered a higher balance transfer fee of {$200.00} for a total of {$5200.00}. 

This amount is {$8.00} more and I was financially penalized by Barclay 's error in processing my initial request. On XXXX XXXX I called into the Barclay 's Customer Service number at XXXX to inform them of this problem and request a courtesy credit in the amount of {$8.00}. I only wanted to be made " whole. '' While the initial representative acknowledged that there was an error, she claimed she could not make any adjustments to the account. 

Upon my request, I was transferred to a supervisor named " XXXX '' during this same call. When XXXX learned of the situation, she laughed at the absurd amount of the initial balance transfer and assured me she would apply a credit of {$8.00} to my account and I would see this reflect on my account in XXXX10 business days. I was satisfied and considered the matter settled. 

Unfortunately, the credit never appeared in my account. On XX/XX/XXXX, I contacted Barclays through their internal messaging on their website to inquire about the missing credit. They apparently misunderstood my question and replied with an unhelpful and unrelated answer. 

I tried again on XXXX XXXX and exchanged a series of messages with more unhelpful and unrelated canned replies and was advised that they didn't have a record of the {$8.00} credit and are " unable to further assist. '' This is unacceptable and I shouldn't have to work this hard to correct an error obviously made by Barclays in erroneously trying to process it for over a XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief