Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
I opened a XXXX XXXX Barclays credit card account on XX/XX/XXXX because they were offering a promotional offer of a 0 % no interest rate for 15 months that expired in 45 days. I contacted customer service on XX/XX/XXXX to start a balance transfer from my XXXX XXXX XXXX credit card account. I provided the customer service representative over the phone my account number. A few weeks go by and I noticed the balance of the amount I wanted to transfer on my XXXX Barclays account however, the amount was not transferred from my XXXX XXXX XXXX credit card. I contacted customer service on XX/XX/XXXX to flag this incident. The customer service representative read back the account number and it was the incorrect account number. I informed her that was the incorrect account number and she blamed me for providing the wrong account number even though I was sure I did provide them the correct account number the first time I called. I provided the correct account number thinking the company would still honor the promotional offer. I received a document that they were investigating the incident but wanted to double check if my promotional offer would still be honored. I called XXXX XXXX Barclays back on XX/XX/XXXX and explained the situation again and asked the customer service representative why the correct account transfer did not occur when I called and flagged the issue the first time. She was unable to assist and I asked to speak to her supervisor. Her supervisor was also unable to assist and informed me someone from corporate would be contacting me. On Friday XX/XX/XXXX I received a call from another customer service representative from corporate, she informed me the company would not offer the promotional offer as I did not flag this issue in time. I asked her when my promotional offer expired. The customer service representative informed me XX/XX/XXXX was when the promotional offer expired. I informed her I called on XX/XX/XXXX to flag this issue but she informed me the company would still not offer an extension of the promotional offer because of transaction fee times put my first flagging the issue outside of the 45 day window. They offered to provide me {$100.00} for any inconvenience which is less than what I paid for during the initial balance transfer fee at the beginning. I also asked her if she listened to the initial recording for when I called the first time to give my account number for the balance transfer. She informed I did give the correct account number and the employee entered it incorrectly. From my view, I submitted the initial request well within the 45 day window. A XXXX representative incorrectly entered my account number. I called back, still technically within the 45 day window, to resolve the issue and Im told they can not extend the promotional offer because transaction fee times put me outside of the 45 day window. There is nothing on their site indicating that the 45 day offer is contingent on time to process the transaction. Regardless, I submitted my initial request well within the allotted window, and their error prevented me from taking advantage of this offer.

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