Consumer complaint received 2017-08-06
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Before deciding which credit card to apply for, I knew that I wanted one that would have 0 % APR on purchases for the first year. I already have a XXXX and an XXXX XXXX, so I decided on XXXX. On XXXX 's site, I used their tool to find a card that has 0 % APR on purchases, which is the Barclaycard CashForward World Mastercard. Here is a link to XXXX site : XXXX XXXX XXXXXXXX Once on the actual card 's official site, I also confirmed that it shows 0 % APR for purchases. Again, the ONLY reason I chose this card was to get 0 % interest for the first year. Here is the link to barclaycard 's site : XXXX XXXX XXXX Scroll down to Interest Rates and Charges Summary, it shows : APR for purchases : 0 % introductory APR for the first fifteen billing cycles on purchases. Scroll down to Terms & Conditions, it shows : Annual Fee : {$0.00}. 0 % introductory APR on purchases is applicable for the first 15 billing cycles after account opening. 
1st Statement : XX/XX/XXXX - No Interest Charges 2nd Statement : XX/XX/XXXX - No Interest Charges 3rd Sttement : XX/XX/XXXX - Interest 4th Statement : XX/XX/XXXX - Interest 5th Statement : XX/XX/XXXX - Interest 6th Statmenet : XX/XX/XXXX - Interest On XX/XX/XXXX I called customer support for the 1st time. I explained the situation, I was told I had  made a mistake and they only offer 0 % on balance transfers NOT on purchases. I explained to her that she was incorrect and the actual information was on their own company website. She verified and confirmed that I am correct and am supposed to have 0 % APR on purchases AND balance transfers. She confirmed she put a notice on my account to be corrected. On XX/XX/XXXX I called customer support for the 2nd time. Again, I explained the situation, she said that the note was still on my account and it was being processed. I should notice my interest charges removed from my account on the next billing cycle. Unfortunately, I trusted her and did n't check until recently. Because I was having no success contacting them by phone, I used their " Secure Messaging '' system for support. I explained the entire situation again and how I had previously not been assisted. Their response : " Although we show no 0 % APR offer for purchases, we can confirm that your account was eligible for a 0 % introductory APR for the first fifteen billing cycles following each balance transfer that posted to your account within the first 45 days after your account open date ... '' Again, I am back to them showing no evidence that they are supposed to honor the 0 % APR on purchases, even though it is on their website and on XXXX 's website. Now, I tried to reach out to speak with a " Manager '' of customer service, but again he/she was busy so I would need to wait another 24/48 hours to recieve a call when it is more than likely inconvenient timing for me. The last person I talked with said they do not offer any 0 % APR on purchase cards. I directed her to own company 's website and to XXXX 's page and she said " Oh, well that is offered now. When you opened the card is was n't available ''. I was told all she can do is make a note on my account for " them to research ''. I 'm not allowed to know who is researching and why this time when they research it will be any different than the other times I have called. Unfortunately, they now are requiring me to send in my original terms and conditions for the card, that I received in the mail, but I honestly do n't think I 'll be able to find it. To me, it feels like a complete scam. They list the card on multiple sites showing 0 % APR on purchases for the first 15 billing cycles, then force you to send in paperwork to prove it applies to your card, otherwise they charge you interest.

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