Consumer complaint received 2015-07-14
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (FL)

On XXXX XXXX, 2015 I contacted Barclay Credit Card Customers Service. I inquired about using my reward points for purpose paying the minimum balance owed of {$41.00}. The Representative for Barclay Credit Card stated I can use my rewards points to pay on my balance owed. I stated I wanted to use XXXX points, Which equal to {$25.00}. The Rep for Barclay stated the {$25.00} would be applied to my minimum balance owed and I must send the remaining balance of XXXX before XXXX XXXX, 2015. On XXXX XXXX, 2015 I log into Barclay Website to review my online account, which indicated Barclay Credit Card received the remaining payment of {$16.00} on XXXX XXXX, 2015. {$25.00} + $ XXXX {$41.00}. On or about XXXX XXXX,2015 I log into Barclay website and notice an alert of pass due amount of {$25.00} plus late fees. On or about XXXX XXXX, 2015 I contacted Barclay Credit Card Customers Service and inquired about the pass due amount. The Rep Stated I only sent in {$16.00} leaving a balance owed of {$25.00} plus late fees. I explained to the Rep I used XXXX points which is equivalent to {$25.00} plus I mailed in the remaining balance of {$16.00}, which equal a total amount of {$41.00}, the minimum balance owed. On or about XXXX XXXX, 2015 the Rep for Barclay Credit Card stated the XXXX points, which equal to {$25.00} are not allowed/ can not be used to pay toward minimum balance owed. I explained to the Rep I inquired/ask a Customers Service Rep on XXXX XXXX, 2015 about my rewards points and can I use them to pay on my minimum balance owed? The Rep Stated Yes and further stated the XXXX reward points= {$25.00} will be applied to the minimum balance and I must send in the remaining balance of {$16.00} before XXXX XXXX,2015. A Rep on or about XXXX XXXX, 2015 stated the Representative on XXXX XXXX,2015 gave me incorrect information. I stated to the Rep on or about XXXX XXXX, 2015 the information I received from the Customer Service Rep on XXXX XXXX, 2015 I relied upon and made a decision base on that information to use my rewards point toward my minimum payment owed. On or about XXXX XXXX, 2015 I requested the Rep to listen to the recording of the Rep and myself on XXXX XXXX, 2015. 
The Rep contacted me after inquiring about the recording of XXXX XXXX, 2015 and stated Barclay Credit Card will waive any and all late fees due to the incorrect information I received by the Customer Service Rep, but requested the {$25.00} because reward points are not allowed for payment, which I sent. On XXXX XXXX, 2015 I attempted to make a purchase at XXXX XXXX in the amount of {$5.00}, Which was declined XXXX. On XXXX XXXX, 2015 I contacted Barclay Card about the declined and the increase in my minimum balance of {$78.00}. The Rep Stated my account is in good standing and I have the available funds and it must be the error of the merchant processing the purchase, he further stated he would look into the minimum balance increase. On or about XXXX XXXX, 2015 a Barclay Customers Service Rep contacted me about the increase in the minimum amount due of {$78.00}. She stated something in regard to the increase, but it was not clear me the reason for the increase of the minimum balance. On XXXX XXXX, 2015 I attempted to make a purchase at XXXX in the amount of {$20.00}, which was declined. On XXXX XXXX, 2015 I contacted Barclay Customer Service about the purchase being declined. The customer service rep stated as a result of the late payment of {$25.00} these issues are present until I make a payment of about {$1.00}. The Issues are, increase in minimum amount due, no cash advance, and decline of purchases. I relied upon information from Barclay Rep, I could use my reward points to pay toward my minimum balance, as a result of the incorrect information from Barclay Rep my minimum balance owed has increased, I ca n't get cash advance, and making a purchases using my Barclay Card are being declined. 
Barclay is at fault for the incorrect info