Consumer complaint received 2024-02-11
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (HI)

In XX/XX/XXXX I enrolled in automatic repeat payments for the entire statement balance so all payments since then have been scheduled by Barclays. On my two most recent statements, however, there were late payment interest charges for {$1.00} and {$5.00}. 



When I inquired about the {$5.00} interest charge Barclays response included information on enrolling in repeat payments to avoid interest charges ( see copy Barclays reply below ). Since I already enrolled six months ago there shouldnt have been any late payments because Barclays was responsible for scheduling those payments. 



When I inquired about the {$1.00} interest charge a month ago Barclays acknowledged that it wasnt a valid charge and also informed me that it wouldnt have been discovered as such and wouldnt have been waived had I not contacted them. 



There is something wrong with Barclays system if a customer enrolled in automatic repeat payments is still subject to late payment interest charges unless reported to them by the customer. 



Below is a portion of my correspondence with Barclays. 



XXXX XXXX XX/XX/XXXX, XXXX XXXX  Why is there an interest charge of {$5.00} on my current statement? Repeat payments for the entire statement balance have been scheduled since XX/XX/XXXX so all of my payments have been made on time since then. 
Barclays customer service XX/XX/XXXX, XXXX XXXX Hi XXXX XXXX : Thank you for contacting us about your XXXX XXXX XXXX XXXX XXXX. 

Any time your statement balance is not paid in full by the due date, you're assessed interest on the average daily balance. Your previous statement balance was {$750.00} and we received payments totalling {$730.00}, thus causing interest to bill to the account. 

Your due date is the XXXX of every month and does not fluctuate or change. You can make payments online through our website or by phone before XXXX XXXX  ET to be effective that day. Payments requested between XXXX XXXX  ET Friday and XXXX XXXX  ET Sunday will post to the account on Monday, but they are backdated to the date we received them. 

You won't pay interest on purchases if you pay your balance in full each month. As of XX/XX/XXXX, if you don't pay your purchase balance in full ( excluding Easy Pay Offers and certain promotional balances as fully explained on your monthly statement ) by the Payment Due Date each month, you'll pay interest on purchases from the date they post to your Account until the date your payment in full is received. The statement that shows you have paid your outstanding purchase balance in full will include a charge for the interest that accrued from the first day of that statement period until the date your payment in full was received. 

We also have a repeat payment option that can help prevent late payments. You can enroll in recurring payments by clicking the Payments dropdown on the homepage. Then select Repeat Payments. Simply click the link and follow the prompts to set up recurring payments on your credit card bill. 

We offer several additional account alerts to keep you informed about your account. To set up or change your account alert settings, select the Services dropdown and click Alerts. You'll be able to select the alerts you'd like to receive. 

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

Sincerely, Customer Care