Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Issue : Misleading billing practices and violation of Barclays XXXX XXXX policy. Misleading XXXX XXXX postings and overstated purchase activity for the XX/XX/XXXX XX/XX/XXXX statement period as well as for statement period XX/XX/XXXX XX/XX/XXXX. 

What happened : I am filing this complaint against Barclays Bank regarding my Miles & More Mastercard account. It is about their XXXX XXXX transaction option. 

XXXX XXXX is a Barclays credit card feature that lets you move eligible purchases into a fixed monthly payment plan with a lower promotional APR instead of your standard purchase rate. 

During XX/XX/XXXX XX/XX/XXXX statement period, Barclays enrolled several of my purchases into their XXXX XXXX promotional financing program. While this program offers fixed monthly payments at a lower APR, its execution has caused confusion, misrepresentation of my spending, and possible deceptive reporting on my statement. 

Specifically, the following XXXX transactions were enrolled in Easy Pay during the XX/XX/XXXX XX/XX/XXXX statement period : - XXXX XXXX {$100.00} - XXXX XXXX XXXX {$180.00} - XXXX {$590.00} - XXXX XXXX {$510.00} - XXXX XXXX XXXX {$490.00} Total Easy Pay Transactions : {$1900.00} As per Barclays policy, each of these transactions was : XXXX. First credited ( negative transaction ) to remove it from the standard XXXX balance. 
XXXX. Then re-posted under XXXX XXXX ( positive transaction ) with the new promotional terms. 

However, the issue is this : While the credits and debits cancel each other in the balance, the XXXX XXXX transactions were re-posted and included in the statements total purchase activity without clear labeling or separation. This results in a misleadingly inflated total purchase amount for the billing cycle. 

For example for XX/XX/XXXX XX/XX/XXXX statement period : - My non-Easy Pay purchases total {$2400.00} - My Easy Pay purchases total {$1900.00} - Combined, actual spending = {$4300.00} ( or {$4300.00} per the statement ) Yet my statement reports {$6300.00} in purchase activity which is {$1900.00} higher than it should be. The bank did not explain why XXXX XXXX transactions are appearing again in the purchase totals and has not corrected or clarified the misleading presentation. 

On XX/XX/XXXX, I paid my XX/XX/XXXX XX/XX/XXXX statement balance in full {$4300.00} which included the full balances of all XXXX XXXX transactions active at that time. According to The Barclays Bank policy, this payment should have completely satisfied all Easy Pay obligations, and no additional Easy Pay interest should have been charged. 

However, after obtaining my most recent statement for XX/XX/XXXX XX/XX/XXXX period, I found new and serious issues. 

XXXX. Continued Easy Pay balances and improper interest charges The Easy Pay Summary on this latest statement lists the following active Easy Pay transactions : - XXXX XXXX XXXX {$490.00} - XXXX XXXX XXXX {$180.00} - XXXX XXXX {$100.00} On page XXXX of XXXX of the statement, these Easy Pay transactions accrued {$4.00} in interest for this billing period. 

This is a direct violation of Barclays XXXX XXXX policy, which states : You can pay it off early by paying the full statement balance, including any new purchases. If you do that, you wont be charged any more interest for the XXXX XXXX plan. 

To recap, on XX/XX/XXXX I paid my previous statement balance in full {$4300.00} which included the full balances of all XXXX XXXX transactions active at that time. According to the policy, this payment should have completely satisfied all XXXX XXXX obligations, and no additional XXXX XXXX interest should have been charged. 

XXXX. Inconsistent XXXX XXXX closures It is worth noting that according my banking profile XXXX XXXX XXXX transactions ended immediately after I made the payment in full on XX/XX/XXXX. 

They were : - XXXX {$590.00} - XXXX XXXX {$510.00} Yet, the remaining Easy Pay transactions ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) were not terminated, despite being part of the same paid-in-full statement. 

Barclays has now told me that these remaining XXXX XXXX transactions will continue to accrue monthly interest until XX/XX/XXXX, unless the interest is waived each month a process they claim must be done manually. 

I contacted Barclays customer support more then XXXX times. Calls were consistently routed to offshore call centers, where representatives were hard to understand, there was call latency, agents appeared to struggle with XXXX, and frequently placed me on hold or abandoned the call entirely. 

To clarify again, I paid the full XX/XX/XXXX XX/XX/XXXX statement period balance of {$4300.00}, which included all XXXX XXXX balances. According to Barclays ' own policy, this should fully satisfy all active XXXX XXXX obligations and terminate any future finance charges related to them. However, the following credit cad statement for XX/XX/XXXX XX/XX/XXXX period included XXXX Easy Pay transactions ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) that continued to accrue interest. 

This experience has caused me significant financial stress and loss of trust in Barclays billing practices and customer protections.

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 explanation