Consumer complaint received 2017-08-25
Company: BARCLAYS BANK DELAWARE
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I apologize for the wall of text ; my paragraphs do no seem to show up. 

My XXXX credit card sent me some of those promotional checks with 0 % interest for X months with a 1 % fee. A month after it expired I messaged customer service and asked if they were running any promos like that. I was told that check would still be good to use and so I did. Now they are charging me interest and saying because it was cashed a month after the promo they can charge interest and they also charged a 3 % balance transfer fee instead of the 1 % What are my options here? I have what they said all in writing on my cc 's messaging system. 


Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Hi, I was sent some promotional 0 % cash advance checks a while back. I thought the offer expired XXXX XXXX, but it was XXXX XXXX. Is that promotion still available? Thank you! 

Response Customer Care via Email0X/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. 
We are happy to inform you that on XXXX XXXX XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful. 
Your business is much appreciated and we will do our very best to continuously meet your credit card needs. If you have any other questions or concerns, please reply to this message. 
Sincerely, Customer Care Customer ++++ via CSS WebXX/XX/2017 XXXX:XXXX XXXX Okay thank you, the paper I received says XXXX XXXX. It 's actually XXXX XXXX? 


Response Customer Care via EmailXX/XX/2017 XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. 
We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful. 
We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message. 
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Why am I getting charged a balance transfer interest and balance transfer fee? I used the 0 % cash advance check Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : This is in reference to your XXXX XXXX XXXX  XXXX XXXX We are responding to your concern regarding the convenience check on your account. 
Upon review, we see that on XXXX XXXX, XXXX we sent you promotional checks to the address on file. These checks carry a promotional rate of 0 % until XXXX XXXX, XXXX, with a transaction fee of 1 % per amount of transaction, minimum of {$5.00}, no maximum fee. However, in order for you to take advantage of this offer, checks must post to the account on or before XXXX XXXX, XXXX. Our records show that the check for {$6700.00} posted on your account on XXXX XXXX, XXXX. Thus, we regret to inform you that the standard annual percentage rate XXXX APR ) for balance transfers which is the Prime Rate of 4.25 % + Variable Rate of 15.74 %, currently at 19.99 % is being applied to this transaction. 
Moreover, please note that balance transfer have no grace period and will accrue interest once they have posted to the account. Interest will continue to accrue until that balance has been paid in full. This may mean you will have a residual amount of interest on the statement following the pay off. 
You may verify this transaction through the 'Transactions ' tab. To view this, select the 'Activity & Statements ' tab located at the home page. You may choose to view 'Posted transactions ' and can filter the time frame by using the drop down menu and select either transactions 'Since last statement ' or previous statement dates. We hope you find this information helpful. 
Though we were not able to meet your needs at this time, please know that we appreciate your business and we are looking forward to catering to your future financial needs. If you have any other questions or concerns, please reply to this message. 
Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX Do I need to call someone to sort this out? Before I used that check I asked about the promo, it is all in my previous messages on here. The response I was given was : Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX  XXXX XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. 

We are happy to confirm that the checks we sent to you carry a promotional rate of 0 %, these checks should be processed on or before XXXX XXXX, XXXX. We hope you find this information helpful. 

We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care Response Customer Care via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX  XXXX XXXX We can certainly address your inquiry regarding promotional checks on your account. 

We are happy to inform you that you can most definitely take advantage the promotional checks that was sent to you. You can most certainly use these checks to pay select merchants or deposit them onto your bank account for cash. We hope you find this information helpful. 

We would like to take this opportunity to let you know that we are honored you have chosen us to be your financial institution. 

If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Care Customer ++++ via CSS Web XXXX/XXXX/XXXX XXXX:XXXX XXXX I took advantage of the 0 % promotional check that was sent to me. I deposited it into my own bank account for cash. 

Instead of the 1 % fee I was charged a 3 % balance transfer fee. Also, you have been charging me interest on the 0 % promotion. 



Response Customer Service via Email XXXX/XXXX/XXXX XXXX:XXXX XXXX Dear ++++ : Thank you for contacting us regarding your XXXX XXXX XXXX XXXX XXXX We can certainly address your concern regarding the check used on your account. 

We apologize for the confusion regarding the checks that was sent to you. Upon review, we see that we sent promotional checks on XXXX XXXX, XXXX and XXXX XXXX, XXXX. 

Our records indicate that you have used the check that was sent on XXXX XXXX, XXXX which has 0 % promotional interest rate with 1 % transaction fee that must be completed on or before XXXX XXXX, XXXX. The check has posted on the account on XXXX XXXX, XXXX. Therefore, the promotional rate was no longer available and was not applied on the account. We hope that we have been able to clarify the situation. We hope you find this information helpful. 

We would like to take this opportunity to express our gratitude for your business. If you have any other questions or concerns, please reply to this message. 

Sincerely, Customer Service

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