Consumer complaint received 2016-08-26
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have never applied for card with monthly APR for purchases in my entire life. XX/XX/2016 I began looking for credit cards with 0 % APR for purchases and 0 % APR for balance transfers. I found this website, which I believed to be Barclays card offering for such a card : XXXX. 
I reviewed the terms and conditions for the XXXX XXXX card and found them acceptable. I accepted the terms and conditions, and saved them to my computer. I then began filling out the credit card application with my personal information on the XXXX website. I lost Internet access to the site in the middle of the application process and refreshed the web page. The refresh returned me to the XXXX where I had to start the application process all over. I selected what I thought to be the Cash Forward Card again, and clicked through the prompts until I had to enter my personal information again. I entered the required PII, submitted the application, and was accepted for a credit card for what I thought was a card with 0 % APR on purchases for the first 12 months. 
The card arrived in the mail a few weeks later in XX/XX/XXXX upon which time I called into Barclaycard customer service to confirm the terms and conditions. My primary concern was that the card offered 0 % APR on purchases. The customer service manager confirmed that I had a card with 0 % APR on purchases telling me that I would not be charged interest for any purchases for 12 months. He also advised me that the call was recorded. I proceeded to make purchases for nearly {$11000.00} over the course of the next few months. 
When I received the first credit card statement in mid-JuIy, I noticed that there was interest charged. I called Barclaycard customer service to inquire about the interest charge and they informed me that I had signed up for a card called the Arrival card, which only provides 0 % APR for balance transfers and not for purchases. 
I informed the manager, and numerous managers since on the phone that I did not sign up for the Arrival card, but rather the Cash Forward card with 0 % APR on purchases. I also told them of the previous call to the manager directly after I received the card and how he confirmed I had the card with no APR for the first 12 months. This second manager, ( ID XXXX ) told me that Barclaycard did not offer a card like that. If I could show him either an advertisement or terms and conditions with both 0 % APR for purchases and balance transfers then he would personally change my card to the card I believed I was selecting when I first began the process of applying for the Cash Forward. I promptly sent him screen shots of advertisement for the XXXX XXXX XXXX and the terms and conditions for it. He lied! 
While researching Barclaycard offers I also noticed that the Arrival card ( the card Barclay issued to me w/o my consent ) had an advertisement in bold print saying " Purchase and Balance Transfer Rate 0 % APR for 12 months, '' essentially promising the same exact terms and conditions as the XXXX Card so I sent him the screen shot of that also. 
I have also had conversations with another manager ( ID XXXX ). She told me that Barclaycard would honor its advertisements and switch me over to the card I requested. Barclaycard has not done this to date. 
Barclaycard has falsely advertised to me in order to trap me into paying interest on a card for which I did not willingly apply. 
Barclaycard has fraudulently opened a credit card in my name and has refused to change the card type to the type I requested from them. 
I have had to open other credit cards in order to transfer the Barclay balance thus tarnishing my credit. 
I request that your office investigate Barclay card for fraudulently advertising, deceptive enrollment practices.

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