Consumer complaint received 2020-12-28
Company: BARCLAYS BANK DELAWARE
State: NY
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 applied for a XXXX XXXX MasterCard offered by Barclay 's bank on XX/XX/XXXX due to an appealing limited time promotional offer of XXXX miles if $ XXXX was spent within the first 90 days. I would not have applied for this card but for this offer which I found to be worthwhile as I want to plan a trip to Hawaii soon with my new family. I am in Compliance myself so in early XXXX called to confirm if the 90 days was based on calendar month or count of days and was informed by a Barclays employee that my deadline was XX/XX/XXXX to earn the XXXX bonus miles ( unfortunately I failed to write down his name ). 

I spent the following by the cut off date : XXXX {$32.00} XXXX {$180.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$55.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$2200.00} * This item was a refrigerator purchase which was later returned ( actually exchanged ) and I received a partial credit back minus delivery fees in the amount of {$1500.00} on XX/XX/XXXX. That said, my XX/XX/XXXX purchase more than met the {$2000.00} spend requirements by the XX/XX/XXXX deadline. 

The written terms said it could take 6-8 weeks after the 90 days period ends for the miles to be credited to my account so I waited for that time to pass which would have been the end of XXXX. I did not see the credit in my XXXX nor my XXXX statement so on XX/XX/XXXX I called and spoke to XXXX in Customer Service who reviewed my account and confirmed I should have been credited the miles. She said she would open a case for my account to be reviewed but that it could take another 30 days for that to occur. I asked to speak to a manager and was transferred to XXXX. He reviewed my account and explained that I missed the cut off by 1 day because they count the 90 days differently than I was informed when I called in XXXX. He said the case XXXX opened for me was the only way to get my situation reviewed. I informed him I would be contacting the CFPB and he understood. 

I feel it was unfair and deceptive that a ) I was not issued the rewards promised with a marketing advertisement after meeting all the qualifying requirements b ) I specifically called for the cut off date and was misinformed but am now being penalized for it, c ) being forced to wait another 30 days for a resolution given my miles should have posted to my account by end of XXXX. I also think it is highly misleading to market things in a way that is not consumer friendly ; when you think of 90 days past XX/XX/XXXX, the reasonable consumer would conclude that that would mean that you have until XX/XX/XXXX to meet requirements. Factors such as shorter months or leap years don't tend to factor into normal scheduling. The disclosure should have instead read something to the effect of 'within 90 calendar days of account opening which may fall on a different date depending on the number of days in a month '.

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