Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I applied for a XXXX Credit Card that was supposed to include a XXXX XXXX Points bonus after spending at least {$1000.00} on the card. The Barclays public page had this offer displayed at that time, and the offer is still available on their website currently ( see attached ). I applied for the card using a pre-qualification link that was given to me at a dealership while I was leasing my new card, and the terms and conditions of the credit card agreement were displayed on the website as I was applying. These terms and conditions ( attached, timestamp of file matches application time/date ) clearly state " Introductory Bonus Offer : Earn XXXX bonus Points after spending {$1000.00} on purchases, less credits, returns, and adjustments, within the first 90 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow XXXX weeks for the bonus Points to be deposited into your XXXX Rewards XXXX Account. XXXX. '' There was an additional offer at the dealership where if you applied for the XXXX Credit Card at the time of leasing or purchasing a vehicle, you'd get {$500.00} off the purchase/lease of your vehicle. This incentive was from XXXX XXXX, NOT Barclays, and the terms and conditions of this offer from XXXX XXXX does not have any verbiage that excludes or eliminates the Barclays offer. Similarly, the terms and conditions of the offer from Barclays makes no mention of this dealer offer and does not have language that would suggest the dealer offer negates the Barclays bonus offer. 

After paying the lease of my vehicle using the Barclays card, I noticed that the points pending on my Barclays account solely corresponded to the XXXX earn rate on XXXX purchases and that the bonus was not pending. I sent a secure message to inquire about this and I was told the offer for the XXXX points was not active on my account and that I would not be receiving the points. I contested this and it was escalated. I was told that " Upon review, we have received the results of the investigation which stated that the application was processed through the designated dealer text-to-apply path. This process is exclusively eligible for a rebate on either the purchase of a XXXX vehicle or the service of a XXXX vehicle. XXXX bonus points are not applicable. The terms are determined by the actual application submitted and can not be altered. '' I also received a letter dated XXXX simply stating : " This is about your recent inquiry related to your XXXX RewardsTM XXXX account. We're currently unable to assist you with your Rewards issue. '' It should be noted that my vehicle was neither purchased nor serviced, it was leased. And as stated earlier, the terms and conditions which were on my application page had this bonus offer of XXXX stated in the terms and conditions, and the terms of the XXXX XXXX offer for my lease are separate and exclusive to anything on the Barclays side, and do not mention anything about the XXXX points nor the {$500.00} discount being non-combinable with other offers, either on the XXXX XXXX side, nor on the Barclays side.

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