Consumer complaint received 2021-03-20
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've seen it all over the internet that you must mail your credit card payment at least 14 days before the due date. Really? that's funny because I can get a check all the way across the country in two days to someone who wants my money and in the bank on day three.

I mailed a check a week ago to my credit card company and they " haven't gotten it. '' I've had over a dozen credit cards, over the years, and it seems that some companies are good and some aren't. I have mailed my check in a week early ( 5 days ) and gotten a late fee, and guess what, my check shows up in in my account ONE DAY AFTER the late fee and due date.

Of course I tried playing their silly game and mailed my check in 14 days in advance even though the money wasn't in the bank. I figure, okay if it's going to take 14 days, then I'll have the money in the bank by then. Guess what, 3 days later, into their account it goes and into my bank it comes with a nice little bounced check charge, if not a charge AND a returned check from my bank. That little " one time '' {$20.00} credit card payment just cost me {$75.00}. Here I am back at square one with a missed payment on my credit report {$75.00} poorer and that's only if they run it through once, it really gets fun if it goes through twice. The credit card company still wants their payment and the minimum payment goes up from there. 
It seems like this is a one way street. You can't convince me that there is one little old lady with XXXX posting checks and she's just way behind. I know from experience that " some '' credit card companies set checks aside until after the due date just to get the late fees. Can I prove that? Nope. Will they admit to that? Nope. 
I know that they want us to pay over the internet because BOOM they have our money now, they didn't have to handle anything, process anything, no time, no expense, no costs. I also understand that this is the " industry standard. '' So how come XXXX is doing so good with next day deliveries. People don't want to wait 14 days for their stuff. They don't wait 14 days for charges to go on my credit card balance. They don't wait 14 days for my check to clear before it goes into their bank account ... it's 3 days tops and usually one or two. They don't wait 14 days to charge me a late fee, it's the next day. 
The " industry standard '' is pretty poor. Maybe it's because it's pretty poor industry. I call up to plead my case and get a little ONE DAY grace and they refer me to their rules ... .What 's the little consumer supposed to do against the multi-million dollar credit card companies and their lobbyists? Nothing!!! Except play their little stupid games until I can pay off the credit card and cut them all in half and pay CASH for everything.

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