Consumer complaint received 2018-03-17
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received a XXXX XXXX XXXX in XXXX, 2018. Apparently, there are XXXX versions of the card. XXXX version is {$69.00} membership per year and a welcome bonus of XXXX XXXX miles after a {$500.00} spend. The other version is a no charge fee per year and XXXX XXXX miles after the first spend. I applied for the {$69.00} membership fee version. Apparently at the end of the confusing application process, the card that I thought I has applied for turned out to be the wrong card - which was the no charge fee with a XXXX XXXX mile bonus. After spending {$500.00}, I called XXXX XXXX to check on the missing miles. They told me that I was only eligible for the XXXX miles since I have the no charge version. I told them about the confusing application process and asked to speak with a supervisor. I spoke with XXXX who agreed that the application process was confusing and it was easy to be misled. XXXX options were offered. XXXX option was to close the card that I had and wait 3 months to apply for the {$69.00} version with the higher welcome bonus or apply for the {$69.00} version and expect a rejection. After XXXX spoke with XXXX in the credit department, she recommended that I apply for the {$69.00} version of the card but expect a rejection since only XXXX version of the card could be offered. XXXX indicated XXXX agreed to waive the XXXX card requirement but I would need to call the XXXX department after the rejection. I called the credit department at XXXX and spoke with several representatives who even after reading the notes reserved XXXX 's decision to allow the second {$69.00} per year version of the card. In essence, I was told to apply for a second credit card knowing that I would be denied but an exception would be offered and I would receive the right card. Both XXXX ( ID number upon request ) and XXXX ( ID number upon request ) read all the notes but indicated that XXXX and XXXX were wrong and that I would not be able to receive the card. XXXX stated that she would need to train the individuals who gave me the wrong information. In addition, XXXX stated that I was also given wrong information about the 3 month waiting period. XXXX stated that a new card can only be applied for after waiting 24 months, I believe that I should have receive the {$69.00} version of the card which will be eligible for the XXXX XXXX points because : 1. The confusing application process - which was admitted by XXXX 's own representative 2. I was told to apply for the {$69.00} version of the XXXX XXXX and after calling the credit department I would be approved. 3. All the notes on the conversations were detailed but misinformation was relayed to me. 4. While I appreciate that mistakes were made, my case should not be a training exercise for 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 non-monetary relief