Consumer complaint received 2018-01-05
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

Complaint:
On XX/XX/XXXX, I applied a credit card with XXXX XXXX XXXX online with the offer a balance transfer with 0 % introductory annual percentage rate ( APR ) on balance transfer for the first fifteen ( 15 ) billing cycles and no fee for balance transfer. I actually put the amount {$7500.00} that I wanted to make a balance transfer when I applied a credit card to get an approval. Then, I got an approval. 

However, I did n't receive the actual new credit card because I was oversea for a business trip but got the credit of the balance transfer {$7500.00} on my other credit card. Therefore, I called them several times and gave them the new address in XXXX several times and then I could receive the new credit card and then activate the card. 

I saw there 's interest charges every month for the balance transfer, so I called them and a relationship manager ( representative ) searched for quiet long time then he said he could see the offer of 0 % APR for a Balance Transfer for 15 months for me. So I ended the phone call with him after confirming that he would adjust to waive for these interest charges for me. It was in XX/XX/XXXX or XX/XX/XXXX. 

After the phone conversation, Any adjustment was not on the statement for the interest charges and keep showing the interest charges every months. I called XXXX for this issue again in XX/XX/XXXX and a relationship manager ( representative ) said my original contract was not offered a balance transfer with 0 % introductory annual percentage rate ( APR ) on balance transfer for the first fifteen ( 15 ) billing cycles and asked me to prove that I applied and approved for 0 % APR on balance transfer. 

I am very sure that I applied for 0 % APR on balance transfer with no fee for balance transfer. 

I found several evidence online that XXXX abuse people for exactly same issue like what I had. Many people applied and got an approval to get a 0 % APR on balance transfer with no fee for balance transfer but they abused with higher percentage on balance transfer with no fee for balance transfer, then when people claimed for this, XXXX asked them to prove it then closed the case without solving the problem. 

I found some advertising article about 0 % APR on balance transfer from XXXX that article posted on XX/XX/XXXX - XX/XX/XXXX or so on. But it ca n't be very strong evidence since several articles are not trustful because it can be revised but I still leave the links here with my claim. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 0 % Introductory APR for the first 15 months on purchases. Plus, you 'll get a 0 % introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.99 % No balance transfer fees No foreign transaction fees Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad Free online access to FICO Credit Score See additional XXXX XXXX XXXX details Show More Read ReviewCredit RangeExcellent Annual Fee {$0.00} APR Intro : 0 % Ongoing : 13.99 % Variable Balance Transfer Intro : 0 % for 15 months ( on balance transfers made within 45 days of account opening ) Ongoing : 13.49 % Variable Another popular XXXX is the XXXX XXXX XXXX. This card offers one of the lowest APRs available as well as no balance transfer fee. If you need to transfer a balance from a credit card with a higher APR, you can save money with this card by paying a lower interest rate and no transfer fee. Balance transfer fees with other cards usually cost 3 % of the balance that is transferred, which can be costly if you have a large balance. 

Although the XXXX XXXX XXXX does not offer a 0 % intro APR on balance transfers, it does include a purchase APR lower than most, which can be better if you arent sure you will be able to pay down your balance completely within the limited period of time.

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 explanation