I have had a Juniper/Barclay account for over a year without any problem at all. I have not had any customer
service problems or any other irregularities. They are
a lot better to do business with than CHASE!

My father has one and two months in a row his payment (which was sent in 10 days prior to due date) was held and not posted til after due date and charged a late fee. He transfered to another company. Really you have to watch them all like hawks. They are getting rich off honest hard working people.

I have not really had problems with their service but have been trying to get my credit limit raised. They offered to raise it by 5% so I canceled my card and will go back to using my CitiBank card.

Barclay's / Juniper are liars and thieves. They charged me an over the limit fee and I was never over my limit. When I called and complained, they put a hold on my payment. After 11 days (8 working days) I called and read them the terms of service concerning holding of payments up to 5 working days. They closed my account and said that I requested the account be closed. I never did.

I also have had a bad experience with this bank, through my Travelocity (TV)CC, issued by them. I made an almost full payment of my balance (>$5K) through my Credit Union CC and, even though I had viewed that in my CU transaction paperwork, it showed exactly my TV CC #, they credited the transaction to a CC, in which only the first 8 or so digits matched the one on my TV CC. Was this a human error? After reading some of the posts here, I'm starting to get nervous!!!

Here is my issue: I make a payment online and they take the money out of my account within 24 hours, but do not apply it to my account for 10-14 days, therefor my card runs out of available credit. Essentially, I get to use my card for 15 days or so a month. I make payments on it at least once a month and my payment history is flawless, but they could give a rats $^%.

The excuse I get is that they go by federal reserve guidelines and that for up to 10 days, the fed could take the money back. Don't know if it is true, but I have never had another credit card company do this.

I am dropping this card and going with someone else. Ridiculous.

With regards to holding payments they also just gave me the same excuse... the Federal Reserve guidlines bologna. I have not had the card very long but I have never been late and therefore was surprised when 5 days after I made the payment they still didn't apply it to my available balance. I called them and spent nearly a half hour on the phone with multiple bad customer service reps that told me it would be at least another week before my payment would reflect in my available credit. So... they basically hold on to the funds for 12 DAYS...this is ridiculous. Closing the account because I have never had such poor customer service or experience with business practices like this that were devoid of common sense!

AVOID JUNIPER BANK... SOMETHIING IS AWRY...

Okay, here's one for ya... I opened an account with Juniper Bank (transferring a balance from another c.c. for a 0% limited time). I was never late making payments except for when I decided to consolidate my debt and pay it off with 1 monthly payment (Sept. 04). Within the next year my account was settled with payment. Two months ago I checked my credit report and Barclays Bank of Delaware reported to all 3 credit bureaus that I was Deceased AND I never paid them off - the full amount was charged off. My identity was not stolen - this is the only account that was wrong. I disputed to the credit bureaus after Barclays Bank assured me they would confirm with the bureaus that the account was settled and I was alive. They didn't!!! My disputes didn't get me anywhere. It's war!!! Be sure to check your credit reports!

bump

Why would ANYONE open accounts with an online-only bank? The fact that there are no physical branches for customers to visit when problems occur just screams FLY-BY-NIGHT DOTCOM SCAM ARTISTS!

I made a payment a few days before the "statement date" (basically, I paid too early) so they credited my payment to the prior month (which had already been paid), and they say that the current month was never paid. They raised my APR from 8.9% fixed to 24% and hit me with late fees. When I called their customer service, the representative was so rude, and unhelpful they treated me as though I was not credit worthy. I have an almost perfect credit score, and am never late on my cards. They said there is nothing they can do, but offered to decrease my APR to 20%, this makes no sense because I get credit offers by mail with much lower APR's than that. I finally spoke to a manager, who was just as rude and unhelpful as the cust svc rep. I got onto Bankrate.com and found much better offers, I was just approved for 7.9% fixed, and am in the process of transferring my balance.

Do not consider Juniper/ Barclays- this is the worst company I've done business with. I strongly advise dropping this card if you have it. The problems will only get worse. My thought is that they are trying to get out of the credit card business.

I have read all of the above with interest, no pun intended. I have had the card for several years, no problems. Yes, I once spoke to a CSR in Manila, but, she answered my question about international charges correctly. Yes, it may take a day or two to credit your account if you pay online, but it is much faster than mailing a check.

If you pay before that date due, it is credited to that
statement, if you pay later, it is credited to the next. What is hard about that?

And, just like is says in the agreement, if you take a cash advance, you will be charged interest even after you pay it off, depends of when you pay it. Read the agreement, you will pay interest on the advance for each day it is outstanding - if you pay it off in full before the date due, you will still owe a smell amount interest
on the next statement - for those days of interest not yet paid.

Read the agreement, you agreed to it - they have a right to enforce it. Jeez, what is so hard about that? Luckily, if you find a better deal - go for it.

If there is an honest error, just write to the the credit reporting companies, fast if done online, but, it has always worked for me.

I called Juniper, said I would cancel because I found a better rate, they lowered in on the spot - I stayed.

For the past 5 months I have been fighting a $39 overlimit fee that was to be waived but never was and each month they keep charging the #39 which keeps my accout over limit. I also pay with a money order that takes 14 days to post and has caused a late fee. When I call (even faxed over materials showing all dates of transaction) and asked why it takes so long for a money order to post since I always thought it was the safe cash to send and would be posted ASAP as all my other cards do, they responded, "because you may cancelle the MO. How can you cancelle a money order I asked? (Responce)- everyone does." I am in the process of cancelling my card. I am frustrated to no end by their so called customer service who by the way is also the manager in charge who never gives you help of any kind, can never aswer your question but will gladly give you a fax number that is nerver responded to. I aslo am compiling a file to send to the BBB and the Delaware Attoney General. We all must take a stand against this bad business practice or else it will continue to hurt honest, hard working peoples credit.

ANYONE out there who is interested in fighting back against Juniper please e-mail your complaint to Mary at edmary2001@aol.com. TOGETHER we can start an investigation into the unlawful practices of this dishonest company and save not only yours but other hard working peoples credit standing. The number of complaints aganst this company is staggering. Please help! We small people can fight and win against big business.

I agree "Read your Agreement" however, my account is paid with a money order (same as cash), several times have been received and posted before due date and still is charged a late fee $39. I have called and disputed and keep being told it takes 30 days. 5 months later still nothing. Another thing the agreement also states that all payments received by 1p.m. ET will be posted the day of reciept. I am currently overcharged $200 in such fees. I have filed all paper work asked for, shown every document needed and now I have had to contact a lawyer to help. I do not use this card anymore and have been advised not to close account until restitution has been made. We all can not be in the wrong when the amount of complaints are overwhelming. Be thankful that you are one of the few who is being treated fairly.

I just received a Barclay card and the account is already being reported as a new account - 0 balance on my credit report. They may not be unusual..I am really nervous about using the card due to all of the negative complaints. If it were one or two I wouldn't worry. However, there are Many. My plan is to continue building positive credit. I don't know if that is possible with this Barclay card since payments are held and could be posted late??? I will have to think a while before I use this card..Too bad..I will continue to read posts and attempt to find more positive comments before I use the card...

I too am in a current fight with Barclay. When I received my last statement there was a $39 late payment fee on my card. I went back into my records and noted that I had made a check payment 15 days (9 working days) before the due date, but they had not posted the payment until 5 days after the payment was due. I have called several times as well as emailed and they refuse to do anything for me. The keep claiming they can not control the mail. As I tell them, neither do I! After reading here I wonder if they were personally holding my check, since over the last year I have made check payments all within days of the 15th and never had a problem.

As soon as I have this matter resolved, I will be closing my account. (Does anyone have any contact info that has gotten them a response? I plan to fax papers to them this week, but I see that may not get a response!)

After reading all these posts I will decline my credit card offer from Juniper. Thanks to all of you for taking the time to write.

Absolutely agree!
They have the worst customer service I have ever seen.
Stay away from them. They screwed up everything but decline to correct. Customer service representatives are unprofessional and rude.
Call the business like BJ's to switch credit card partners away from this money sucking bank. Make the Suck barclays out of business!!!

DO NOT UNDER ANY, ANY CIRCUMSTANCES GET ONE OF THESE CREDIT CARDS ISSUED AS PART OF THE BARCLAY'S "NETWORK" OUR UNCLE HAD ONE AND WHEN IT WAS USED BY SOMEBODY ELSE AND WE HAD A SECURITY ISSUE THERE WAS ABSOLUTELY NOBODY, NO TELEPHONE NUMBER, EMAIL OR ANYTHING ONE COULD DO TO CONTACT THESE PEOPLE???? THAT SHOULD TELL ANYBODY AND EVERYBODY JUST WHAT KIND OF WACKOS THESE PEOPLE ARE. EVIDENTLY THEY HAVE AN AWFUL LOT OF THESE CARDS OUT THERE BUT THEY DO NOT GIVE A RIP IF YOU HAVE A PROBLEM AND THERE IS NO WAY TO GET HOLD OF THEM IN ANY WAY????

I SPENT A GOOD PART OF A DAY TRACKING DOWN BARCLAYS HOME SITE WHICH ITSELF DOES NOT ALLOW YOU TO EMAIL OR CONTACT THEM. I GOT ONE EMAIL OF WHO KNOWS THAT WROTE BACK SAYING " SORRY YOU ARE HAVING TROUBLE, SOMEBODY WILL CONTACT YOU BACK SHORTLY FROM THE EXECUTIVE OFFICE OF CUSTOMER SERVICE" THAT IS AN ABSOLUTE QUOTE/UNQUOTE. FAT CHANCE OF THAT HAPPENING BELIEVE ME. WE HAVE HAD TWO DAYS NOW AND NOBODY, NOBODY HAS CONTACTED US REGARDING THE ISSUE. THERE IS NO SECURITY DEPARTMENT TO CONTACT AND IF THIS IS WHAT "THE ENGLISH" THINK IS A GOOD WAY OF DOING BUSINESS OVER HERE IN THE COLONIES, SEND THEM THEIR BUSINESS, CREDIT CARDS, AND POUNDS OR EUROS WHATEVER BACK TO THEM. THEY ARE MUCH TOO "LORDLY" I GUESS, CHECK THE BOARD NAMES OF THE PEOPLE???? TO REALLY CARE ABOUT US AMERICANS UNDER ANY CIRCUMSTANCES

ALSO LIKE MOST OF THE CUSTOMER SERVICE REPS WE NOW HAVE TO DEAL WITH ARE IN INDIA, PAKISTAN, NEW GUINEA, NEW MEXICO, ETC. ETC. DISMAL, ABSOLUTELY DISMAL. THEY ARE RUDE ARROGANT TO A TEE, TRY CALLING MICROSOFT, VERIZON, VIRTUALLY ANY CUSTOMER SERVICE DEPARTMENT FOR ANY COMPANY FOR ANYTHING, WE VIRTUALLY DO NOT HAVE ANY US CITIZENS OR PEOPLE IN THE USA DOING CUSTOMER SERVICE ANY MORE. HEY WHOEVER IS LAST OUT OF THIS COUNTRY, WHICH IS STILL THE BEST PLACE AROUND, TURN OFF THELIGHTS, THE BEGINNING OF THE END, IS ALREADY HERE. THAT IS FACT!!!!!!!!!!!!

IF ANYBODY HAS ANY OTHER WAY TO CONTACT THESE PIRATES PLEASE SEND THE INFORMATION TO THIS EMAIL POST THANKS

I just got a card from them, I will reconsider using it. Thanks for your input! I just got out of debt from other creditors. I considered trying it again but I am really rethinking all the hassles I'd forgotten about with my past creditors thanks to your posts! I ended up paying a few thousand extra to my previous creditors due to these crazy tactics some of them have. You really have to watch those deadlines for payments. Thanks again!

Let me educate a good number of you on how credit cards work:
-If you pay by check in the mail, you do so at your own risk. Payments are posted as they arrive.
-If you make a high $ payment, i.e. a $4000 payment, it may incur a payment hold. Payment holds are normal everyday occurences in the credit world. We need to wait for the payment to get to us from your bank. If we were in the business of trusting every $4000 check we received, we'd be out of business.
-That being said, if we receive your check for $4000 on March 1st, and your due date is March 3rd, and we hold the payment for a week, that payment is still considered received on March 1st. Hence, you are not late. Anyone chalking up a late payment to a payment hold is full of poop.
-Customer Service Reps are like mirrors. Almost. If you are nice to them, they will be nice to you. If you are rude to them, it is not likely they will reciprocate- they don't want to lose their jobs. But then again, they are free to practice discretion, and they might not go the full 9 for you if you treat them like crap.
-Occurences of fraud- especially identitity theft- are not the bank's fault. We did not give out your personal info to anyone, someone stole it from another source. Why did we allow a fraudulent application to be opened you ask? If the information on the application all belongs to you, it's pretty hard to determine that application is NOT yours. Often people are stealing your mail as it comes. Or your son/daughter/cousin/whatever who lives with you is a $&%#&* and opened the account.
-If your account is frozen due to perceived fraud, and it turns out to not be fraud, we do apologize for that. But we are trying to protect your interests as well as our own. If we let through every sale that came by (like $16000 worth of jewerly 3 states away from you when we see you were in your home area yesterday), we would again find ourselves out of business.
-I personally HATE automated systems. Especially the annoying ones that are voice activated (You said WOOOOOOOOO! Anyone get that reference =). But who doesn't use them? No one has enough reps to answer every question. So they are there to answer the really basic questions, and they provide SIMPLE instructions on how to get to a live person if needed.
-Please check your credit before complaining about why we won't give you an increase of your credit limit. Hearing someone rave about their credit score and stating how good it is is always amusing when you have a FICO of 620.
-If you want to use a card for business purposes, get a BUSINESS card. There is a difference. Using a personal card for business purposes is going to give you a headache. The fraud strategies in the computer for personal cards will go apepoop when they see all the exotic business purchases you make and they will tend to lock up the card often. Business cards are going to let you buy bulk rodent guano from Madagascar if that's what you need without a hitch.
-If you plan to travel. Let us know. We are not mindreaders, and if you are in Miami, and we see you live in California, that's odd. Anytime you travel to a major city definately let us know. That's where we see the most fraud out of. And certainly when you travel outside of the US. Fraud occurs at a greater frequency out of the US.
-Lastly, I see 22 opinions, about 20 are negative. Barclay's Bank Delaware has probably 6.5 million customers. 20 complaints out of that number in 2 1/2 years is somehow terrible?

Out of curiosity, what is wrong with New Mexico? Are the people there somehow less worthy of their UNITED STATES citizenship?

Banks DO NOT and CAN NOT report you as deceased. That is something the Social Security Administration does. We report the standings of your account. HOWEVER, when there is an error on your credit file, 99.99% of the time, the Credit Bureau made the mistake. Call them first.

Banks take payments as they come in from the account number that is given. This is never the fault of the bank that is taking the payment. It is ALWAYS the fault of the bank that is making the automated payment. It happens all the time. The reps at the paying bank entered the wrong account number (or were given the wrong number by the customer) and the payment hits a different account. Then, most often, YOUR bank tells you it was the other bank's fault to avoid taking heat. Why take responsibility when they can push it off on someone else?

Am fighting them at this moment over charging me a Late Payment Fee of $39 for this statement b/c I paid the card off on my due date. Always on time, always well over min payment. Good customer, eh? Asked to have fee waived this time. Instead was told by 3 that I did not need to speak with a SV b/c they would tell me the same thing and had to fight to get transfered, one lady yelled at me b/c she was trying to transfer me (delay me...they all "transfered me" and picked right back up a minute later) before I could get her name and ID PLEASE (Emma), and the last told me she was THE supervisor and the fee could not be waived. I told her I know for a fact that fees can be waived. She told me that it WOULD NOT be waived (very rudely) and even added that the over the limit fee I will be assessed for the next statement would not either.
DO NOT USE THIS CARD. IT HAS BEEN NORMAL UNTIL NOW, BUT WHEN THEY THINK THEY HAVE YOU THEY RUN WITH IT. I HAVE HAD THIS CARD FOR OVER 2 YEARS. SMOOTH UNTIL NOW. WELL, UNTIL THEY GET MY COMPLAINT FROM FDIC (the gov body for Barclays of Delaware, toll free 877-200-6625, 100 S. West Street, Wilmington, DE 19801). Oh, and BTW, if you go to barclays.com and click the US link, the website name is quietlyconquering.com. Hmmm...wonder what they are trying to conquer.

Good luck and keep fighting. I am going back to cash.

Oh, and btw, as a media student, customer complaints that are actually posted represent on average only 6-8% of those who are dissatisfied with service. The others just use word of mouth or drop the business quitely. And only 20 neg posts to this site...that doesn't count the thousands of other consumer complaint sites and bureaus. Sure, they are doing great. HA!

All of your complaints are valid.

Statements- When 50% of your calls say you did not receive a statement, it's believable. Of course they are not mailing them in an appropriate time frame and the great old United States Postal Services gets all the blame, it's 99% of the time a lie. It would be different if it were only a couple here and there, but such is not the case. Of course they will tell you there are laws that mandate a time frame for mailing, but any company can cook the books. If you receive e-mail alerts make sure your SPAM filters are lowered, or you will stop receiving alerts possibly default which leads to higher APR.

Fees- There are 2 tiers of card holders Prime (worldcard) and Middle market (platinum). If you are prime you may be given a one time courtesy fee adjustment, if you are middle market forget about it. Overlimit fees, again middle market customers will receive one at any time they go over their credit line within the statement cycle. There is NO grace period. Fees are profit for the bank, yes they've got to earn money.

Payments- If you have experienced a payment hold, think about it the longer the bank holds your money on the books, the more interest they earn (profit). Payments posting one day after the due date, to keep the processing low the payment processing center has up to 4 days to post your payment. Use the FREE payment options (web and auto phone system) by 7 pm EST (safest bet).

Complaints- The supervisors, managers, and executive office do not care, they will read you a scripted line of ear candy. The only complaints that get any attention are those filed with the BBB or FTC, they do not want the scrutiny of their business practices. But, the bank knows that 98% of those who threaten to contact these agencies do not follow through, they bank on it. So, follow through and you may get results.

Solicitations- for Account Protector, Vip and other CRAP, OPT OUT people. You can do so on the web site under the "Alerts and Profile" section, under "Profile"

As a personal consumer and credit card carrier for 10 years I have never had the problems with any of the 3 cards I carry that I have heard day in and out from my customers. We actually pity the fools who use our cards because we know at some point they will be burned. If your card is affilitated with one of our partners (Apple, US Airways, etc there are 61 partners) complaints to the partner will have them thinking twice about the company representing them. And it works Apple ended the contract with Barclays quietly switching to the Juniper Visa with iTune rewards because of the complaints that they received and not wanting the affiliation to tarnish their reputation.

Protect yourself, read the fine print. Always request promises made to you in writing (so you have proof, duh)

Barclaycards US is one of the worst companies I've ever done business with. They suddenly stopped sending email and when I asked them to start again, they said they would but didn't. Meanwhile, I had a bill coming up so I scheduled an online payment. After completing the form, I didn't get a confirmation email but chalked it up to their usual idiocy. Now I get a new bill with a late charge. I called them up and they say they can't tell if I logged onto their site on the day I said. Yeah, right! I logged on, put in all my personal information to get onto the page, and they have no record of it. Liars. So I guess they really need that $29 late fee. These scammers are probably doing this to millions of customers as well. After being told there was no one who could take off the charge I gave up in frustration. I had already been planning to cancel the card. Should have done it last month.

A few days ago I received an offer for a credit card - low interest rate, one year zero interest - from Barclays. After reading the reviews here, I will do what I usually do - shred this offer. The folks who took the time to post have probably saved me a lot of grief. Thank you for that. BTW, according to Clark Howard (radio consumer guru) there are a number of credit card issuers who are guilty of holding payments until they can claim a late payment fee. This seems to be a tactic used to generate lots of extra cash.

Please read excerpts below from a February 29 post written by "Riflemanax", who is clearly a Juniper manager or supervisor. (scroll back to read Rifleman's entire post in defense of Juniper)
"The fraud strategies in the computer for personal cards will go apepoop when they see all the exotic business purchases you make and they will tend to lock up the card often."
"Anyone chalking up a late payment to a payment hold is full of poop"
Simple observations:
1)What does it say about the professionalism of a financial institution when it's management uses words such as "apepoop" and customers being "full of poop".(!!!!!)
This in itself speaks volumes.
2) How about the manager of a "major" commercial bank going by the screen name "Rifle Man Ax". Are the rifle and ax directed towards the customers?
Thanks from me also to those that warned. I also just shredded their most recent offer.
Good website for consumers. However, this discussion should also be held in a more widely read forum so as to warn others.

Do not sign up for a card issued by this company. They frequently do affinity programs with airlines, colleges, and other organizations.
They are a UK based bank with a less than stellar financial performance. They operate out of Delaware in the US (no surprise there) and are just unscrupulous. I was charged over $350 in unauthorized charges by an appliance company and fully expected to be treated like the responsible consumer I am. Instead, I was told that I had to pay the unauthorized and fraudulent charges, was treated like I did something wrong and was informed by a snotty clerk that I had no "proof" that I didn't authorize the charges such as a receipt. DUH -- why would I have receipts for charges I didn't authorize. I couldn't get anywhere with either of the scripted robot representatives I spoke with and asked to escalate. Of course, the clerk I spoke with said she was the supervisor. Now, I'm going to be wasting precious time contacting their CEO, the CEO of Air Tran to advise them of the deadbeat credit card people they've selected and complaining to the BBB and FTC which according to a post of a former employee I found online, is the only thing they respond to. So, be warned. These people do not respond to problems the way American Express would. Don't use them. They're the worst and most unprofessional credit card operation I've even encountered.

What I want to know is how long you have worked for Juniper Bank?

Hey riflemanlax. How do you know how many customers Barclays has? Do you work for them also? This is about the 5th website I have been on where people have been warning others to stay away from Juniper/Barclays. Thats alot more than 20 people. I just recieved a Juniper credit card and had to talk to customer service about an issue. It was the worst customer service I have ever experienced. I was finally told at the end that there is nobody I can talk to that can answer my question. WHAT IS THAT? I was told that I would have to write in to the bank to get my questions answered. Sounds pretty unprofessional and shifty.

same deal with me - but only in the past few months.
only reason i have the card is for usair miles. believe me, when i hit the spending number (which would have been hit several weeks ago had they freed up my money that they received) which converts my mileage to "preferred mileage" in the frequent flier program, i'm done with that outfit. - by the way, i actually make the payments online before the charges even post - wind up with negative current balance most of the time, and still can't use the card.
pretty outrageous.

My wife and I have had an account for a little over 2 years. We were sorry to see the problems that everyone had. We fortunately have had absolutely no problem. If we pay in advance it still goes toward the next bill as long as it is after the pay period and my wife has a very low interest rate along with mine also. We do agree though that the customer service Does really Suck!!! But really other then that, it has been great. They even called me on my cellphone when we were suddenly making some large purchase. I appreciated that tremendously. Anyway good luck to all and we will keep our eyes open.

Barclays advised me on May 6 that there was potential fraud on my account. New user,changed my profile and had cards issued to new address in another state.They closed that account and transferred all info to a new acct#. Told me I would receive all new info & cards by mail. Never received, I called them on June 2 as I was concerned about pmnts. They transferred me to make a pmnt and said they would be sure to get cards and new info in the mail. June 10 I received statment with LATE FEE..still no new cards.Called them and they said pmnt was due May 28 and it was my responsibility to follow up when they did not mail new account info..will not credit late fee. Said they only do that for bank error, not Juniper error. Insist they Fed Ex the cards and they were signed for. I called Fed Ex who advise these were the cards to the fraudulent address.
Customer service was in the Philippines and just kept reciting policies.I wrote a letter to executive office with no response.
Worst customer service I have ever experienced

Actualy you are wrong Rifle, the bureaus update with the info provide by the creditors. We dont make the mistakes you report them wrong.

Juniper is a SCAM.

I originaly joined juniper because of a low APR of around 9 percent and just used to card for Emergencies.
the first month I got a statement it was 6 days from the due date of the bill, so i wrote a check and mailed it the next day. They held the check until the day after the due date and then charged me a $38 late fee and suddenly i had a 28% APR.
I started to pay my bills online at that point, and Set it up to be paid the day before my due date.
They then Held the E-Payments for two days and Charged me another $38 fee.
After a couple of these instances my low credit line had been maxed out (very low based on my Salary and Credit score), the whole while I am fighting with them over these BS charges

Finaly i close my account and go with another bank and pay off the Balance. the next month I get another bill from them, with a Late payment fee and an Over The limit fee. It Seems they held the Transfer check for 11 Days to charge me these fees! When i would get in touch with Customer Service they would only say that the amount of time they held the check was Normal and that the fees were not an Error, And then hung up on me!

Run as fast as you can, These are the scum of the earth!

Dear Responsible,

I am sending this letter to consumers, banks, support organization, banking industry organizations, government enforcement agencies, government monitoring organizations and government legislatures. Therefore you may find some of the information is not pertinent.

I recently was charged an effective interest rate in excess of 22% rather than the promised rate of 3.99% by Barclays Cards that is related in some corporate structure to Barclays Bank. I have tried to call Barclays to correct the issue many times. Each time I am referred to a different customer service agent who can do nothing. I have tried to escalate the issue to Barclays USA corporate headquarters but every number I have been given does not answer and the main corporate switchboard refers me to the same customer support individuals unless you know the name of an employee. Has Barclays made it difficult to correct issues?

I am being charged the excessive rate because I used a Barclays promotional check that said in large bold print “use this check before May 12” for 3.99% interest”. I used it before the 12th. They offered (see enclosed offering) me the options such as taking a vacation, paying my taxes, etc. with this check. Then on the back of the paper in very small type, they mentioned the check must clear by the 12th not just be used by the 12th. Many checks are used on one date and actually clear the bank a few days later. Barclays should say use by the 5th if they expect the check to clear by the 12th. Did they hope many customers would make the same mistake and use the check, not allowing time for the check to clear or post?

I notice many Banks and Credit Cards are offering attractive rates for balance transfer, special payments and loans. Governmental agencies have established many “truth in lending laws” to protect the customer. Should credit card companies and banks not be subject to the rules and regulations? Should they explain clearly in bold type, up front with the marketing hype, all the items that may catch the consumer and the potential cost? Is it not usury to alter the rate from 3.99% to over 22% for a loan that posts three days late?

According to statistics I have read 60% of the senior citizens cannot afford retirement and 40% of the citizens do not make enough money to pay taxes. Are these poor citizens who need financial help being SCAMED by offers of low interest rates that will turn to unreasonable rates?

I need your help. I cannot figure out how to contact Barclays, maybe you can. Or maybe you can warn others so they do not get trapped by high interest rates. Or maybe you can apply the “Truth in Lending” regulations to these special offers.

Thank you,

LL Bean, a company I've done business with for years, just changed it's cc from Bank of America (good experience there) to Barclays/Juniper Bank. I applied for the card since it would give me free shipping and other perks.

Just to be on the safe side I entered Barclays/Juniper in this site's search. Wow! I'm so glad I did! I have called and tried to cancel my "pending" account. So far I've talked to four customer service specialists who have each told me something different about cancelling an account which has not yet been opened.

I just want to withdraw the application. How difficult should that be? I have a great credit rating and after reading the posts here, I don't want to have anything to do with this financial institution.

I hope I'll be able to stop them before they issue the card. If not, I'll close the account before ever using it.

I did write to LL Bean and suggested that they had made a big mistake partnering with Barclays/Juniper...

Thanks everyone, for your input. You may have saved me a lot of grief and fury.

How I wish I had read these posts prior to accepting this card, there needs to be a class action suit against this company

I, too, will be shredding my offer that was received today thanks to my wanting to research the company. It seems that this company has more cons than pros. Thanks for making a forum like this!

Well, at least most of the folks here were able to get a VISA card through Juniper/Barclays. After having been an L.L. Bean VISA card member since 1997, I was just REJECTED by Barclays this past week when I was forced to reapply for a new L.L. Bean VISA after their switch from Bank of America. (I'm still trying to figure out why I didn't have to reapply several years ago when they switched from MBNA to BoA, but anyway...)

Here are the reasons Barclays gave:
• High overall credit card utilization
• Presence of unpaid charged off accounts
• Recent delinquency

Interesting, considering I've only had ONE credit card since 2003 (L.L. Bean VISA) and NEVER carried over a monthly balance. Admittedly, I did have a few delinquent student loan payments back in the late 1990's...right BEFORE L.L. Bean first gave me a credit card! That has been nearly 12 years! RECENT delinquency?? Maybe in geologic time...

I just bought a house with a conventional loan this spring with a fixed interest rate below 6.0%. Apparently my mortgage broker was comfortable with my credit history (which I just checked again yesterday & it's squeaky clean), but Barclays won't give me one lousy credit card?

Before reading these posts, I was aggravated and disappointed with my situation. After reading them, I can close the chapter on my L.L. Bean experience and calmly tell Barclays: Good riddance!

Thanks everyone!

I pay my bill (in full) by electronic transfer every month. I actually have two credit cards with Barclay Bank, and every dispute I have had in the past year has been decided against me. I called your bank immediately when my identity was phished using false websites... and yet, evidently, I am responsible for whatever charges these people want to place on my card. Now, Barclay bank is telling me I have to cancel this through the phishing company because the phishing company said that I signed up for a subscription service which I did not. I have talked with your company no less than 4 times, to have the charges removed four times, and then readded.

Personally, I need a credit card company (or maybe not... perhaps from now on I will simply use cash) that is actually willing to believe its customers when they call you within minutes of having their identity phished due to a fake website... instead of allowing charge after charge to accrue and then tell me this is my fault because I inadvertantly gave my information to them... well, fine charge me the initial $4.84 that I actually agreed to pay... and give me the rest back that you guys approved after I told you my identity was compromised.

None the less... I will get this resolved, and then I will find another credit card, or not use credit cards again.

Why would anyone pay a credit card bill with a money order? This seems a bit bass ackwards to me

Any Bank that Cant Think Outside The Box in This Economy Does Not Deserve Your Business!!! This Company Double Dips Every Chance It Gets. Apple would Fare Well To Hook UP With Another Bank that Sports Its Logo and Treats Customers Like APPLE Does!!!! Juniper is Disgusting and stinks as a business entity and rips you off every chance it gets. One year make the previous commenter a novice. Wait n See My Man......You will eventually get F.....d just like Chase. Both are Bush League. Do you know what that means???Below the Belt!

I opened this account when shopping at maternity shop. I was told by shopkeeper that this card is offered by Barkley bank. I thought it is UK based bank and applied. However then I also read JUNIPER bank. Out of curiosity when I searched on google, I found this forum. I am going to close this account immediately.

Thank you all for your time and efforts to post your experience. I am anyways very disappointed with the way credit unions function in this country. This bank will make my experience even worse!

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In over 22 years as a credit card holder NOT ONCE have I ever had a late fee, and have consistently paid off cards IN FULL having used them as charge cards rather than credit cards. In the past 6 months Barclay's bank has managed to put on THREE late charges and they will not work with me, will not budge. Note that the total balances were around 12 dollars each! and Automatic for an online charge I was unaware of. Note TOO that I never rec'd a statement in the mail. Barlclay's DENIES this....I am fairly certain they are at this point intentionally fleecing me. In all the years, never ONCE has anything even close to this happened to me. They are UNABLE to provide a contact person NOR A PHONE number for me to resolve this. I have a fax number and an address - that's it. Who honestly thinks someone is going to review anything I send them? DISHONEST - cut your cards and close your Barkclay bank accounts! Trust me - a hard working person with excellent credit.

OK, so I was so angry about being fleeced with late charges - Barklay's has put on my account with balances of a mere approx. 12.00 total for automatic renewals (specifically McAffee for virus clear). They wouldn't work with me, they are adamant that they've sendt me statements on time (NOT TRUE...adn I highly doubt anyone is going thru my mail!) So I decided to contact http://www.doj.state.or.us/finfraud/engexplanation.shtml and GUESS WHAT!? I'm not the only one who has filed similar consumer complaints against Barkclay's!

Please chase these thieves down! REPORT them for doing what they're doing!

I was offered this credit card through SpiritAir and was granted a very large credit limit because of my impeccable credit.
A couple of months later I start getting letters from my other cc companies saying that due to delinquencies in my credit, my limit was being reduced. And when I called to check the credit limit of this Barclays card they informed me that I had an 84-day past due balance!!!!
I argued that this was impossible... I NEVER USED THIS CARD. I though fraud, but the card had never been used... how was this possible.
Turns out Barclays was tacking on finances charges but never bothered to send me a statement so I never caught it, therefore I was being charged late fees for not paying the finance charges that didn't even exist!!!
They reported me to the credit bureaus and here I am trying to clean up my otherwise PERFECT credit because of these idiots!!

STAY AWAY FROM THESE PEOPLE!!!

I had the account for almost a year and closed it. They did not post my payments to my account until it was late and then i would get charged a fee. I had nothing but problems with my account through them and would not recommend them to anyone

Barclays Delaware issues cards for the following:
US Airways, AirTran Airways, Frontier Airlines, Midwest Airlines, Carnival Cruise Lines.

If you have one of these cards, you should close your account as soon as possible because sooner or later they are going to cheat you out of your money.

The way they did it to me was to not send my statement. I signed up for paperless statements and each month I receive an e-mail saying my statement is ready. I then go and pay the balance on the card. Twice this year, they did not send the e-mail. Then, when the account gets behind, they disable your online account so you can't check your account status. If you call customer service, the phone system immediately routes you to collections. These collections people don't speak English and are dumb as rocks. They will do nothing for you except badger you about sending money.

If you have a Barclays card, sooner or later you will pay. From reading Eopinions, it appears they have many dirty tricks in their arsenal of greed. STAY AWAY FROM THEM.

I have an MBA, an 800 credit score, carry no credit card balances and am obviously not one to abuse credit. I have closed all my accounts that are serviced by Barclays and will always ask in the future if any new cards I am considering are serviced by Barclays.

JUST DON'T GO THERE.

The first year with Juniper Bank was fine.....then they increased my rate to 24.99%....which increased my finance charge to an outrageous amount.....which pushed my card over it's limit.....which led to a $39 fee......in a month when I had not even charged anything on this card.....even though I always pay BEFORE the due date and I ALWAYS pay MORE than the minimum due.....their response??? "So sorry...can't help you...is the way the computer system is designed." Interesting to note - if I paid only the minimum due this month, it would not be even CLOSE to covering the new finance charge, so I would end up even farther over the limit (while still not using their card) and even more in debt to them. I am searching for a part-time job, just to pay this card off. AVOID THEM - THEY WILL S***W YOU.

I have a Barclays Juniper issued card from them with USAirway miles rewards. Recently had a total balance payment put on hold -- you get the idea from others here. I was about to start using this card for monthly purchases and pay the total off each month as I found out they barely add anything additional to their minimum payments -- it's like 90% interest. Well I am not going to use this card period and I am going to ask for a refund of my annual fee as well as contact USAirways with my displeasure and concern. I have another USAirways card, a Signature VISA, thru Bank of America which is really good for minimum automatic payments as they take the payment out on the date the statement comes out so you don't pay interest on interest. In addition, a few years ago I disputed a charge with Barclays Juniper to no avail. DO NOT DO BUSINESS WITH Barclays Juniper, A TRULY DESPICABLE BUSINESS! I cannot believe what they are getting away with!

Please contact dowling@apple.com with your complaint about Apples' unhealthy PR relationship with Juniper / Barclays' also contact your state congressman with your complaints about Juniper / Barlclays.

I sent this to Barclays and re-disputed the entry on 10/8. TransUnion contacted Barclays and they re-verified the balalnce as on 10/2008.

I would greatly appreciate if whoever gets this email forwards it to:


Tom Karinshak: Managing Director, Customer Care and Bank Operations

Dear Tom,

You sold my credit card account to Bank of America on August 26th, 2007. Shortly after I received an alert from you than my credit card score had dropped 70 points. I ran all three credit reports and found that both Barclays and B of A were reporting a $17,000 balance for the account you sold on only my TransUnion report. This of course severely impacted by debt-to-income and percent of available credit used. I was going to buy a new car but now I must wait until you correct my credit score to get a decent rate. I called your bank to report the error and one of your associates told me they were barred from even looking at the sold accounts. He said, That the best option was to dispute the entry through TransUnion and they would take care of it." I did that the same day ~ September 2. I received a response from TransUnion dated Sept. 12th that you had confirmed the debt and no changes would be made to my credit report. I called the bank again and I was assured the matter had been referred to and executive who could handle the matter. I waited 3 more weeks and called TransUnion to determine if the matter had been handled. It had not and they agreed to dispute the entry again. I called your bank and spoke to a Mr. Dan Wigger. He insisted the information had been reported correctly by Barclay and that =he problem was with TransUnion. I told him I was looking at the letter from TransUnion that stated you had had confirmed I still owed the $17,000 on Sept. 12th when the =ccount had been sold on August 26th. He still insisted and said it was just for that one cycle. I said that could not be true I had confirmed the entry 1 hour before I called him. I suggest he simply call TransUnion if he did not believe me and then he would have confirmed the facts and could proceed to a resolution. He responded, "I don't call TransUnion." I asked, "Is there someone there who can?" I also stated I could not possible be the only one this happened to and that a glitch in the system would very likely have affected all the sold accounts. Just a note, when I log onto my account at Juniper.com it still shows a current balance of $16,508.08.



I have also filed a complaint with the FTC. I hope this reaches a responsible person who can investigate the matter and resolve it for all the sold accounts. I will start a class action suit with the biggest shark of an attorney I can find if this balance is still on my credit report on September 30th.



Best regards,

Lon

Lets see...

I went to Asia for 18 months and took only one credit card with me... TravelocityMastercard by Barclays. I figured what better card to take on a trip than a Travelocity card.

In June I had only $10.00 in available credit, and they applied finance charges, then an over limit fee.... all the while, I was in Asia.

I always have made my payments on time, and the above statement, was my only infraction in one year.

Well they just hiked my APR from 13.99 to 23.99, because of this. They refuse to lower it.

I haven't received a notice. To insult to injury they just hitt me with a $29.00 membership fee, like I want to a member of this club?

In August 2006 I opened a Barclays credit card through US Airways at an airport. They never sent me an actual credit card, but DID send me notifications that I was delinquent on an amount charged for "Welcome Package". I called them and they immediately wiped the charges and late fees from my account and said they would close the account. Last month I reviewed my credit report and found that Barclays had not only NOT closed my account, but in October 2007 (yes 2007 not 2006)they reapplied the "Welcome Package" amount, let it stay a delinquent account until April 2008 and finally closed out the account as a Negative Account on my Credit Report. Now my credit is hosed and I'm taking painstaking measures to have Barclays remove the information. THEY LIE!!

Hi Lon,

I noticed the date of your problems with Barclay/Juniper. My problem started with a "technical error" by Barclays on October 8, 2008. I also spoke to the most rude and unhelpful Dan Wigger as well as 11 other unhelpful reps. I received an alert from my credit watch agency that Barclays had closed my account due to a Chapter 13/Bankruptcy. Since I never opened an account with them, I did a little digging in my records. I found that Chase sold my inactive BJ's card to Barclay's around Sept 07. I never activated the cards, never used the account and therefore never owed Barclays any money. And I have never been involved in a bankruptcy. I have been trying to get this resolved and of course disputed it with Trans Union and of course Trans Union wrote me back and said that they upheld the information as correct. This is unconscionable for Barclays to be able to do this. Otherwise, I have had no blemishes (correct or incorrect) on my credit bureau reports for the 40 years I've been using credit. I am still trying to get Barclays to correct their false report.

Mary,

I am having a problem that started Oct 2008 with
Barclays on an account that I never opened, never used and never owed any money to Barclays. They closed my account and reported to credit bureaus that I was closed due to "chapter 13/bankruptcy" and I have never had a bankruptcy. Still fighting to get them to correct this false report. Little help from rude and incompetent CSR's. I will go to my congressman next.

I have seen the many complaints about Juniper Bank, and to be honest, am mystified. I have had my card for several years. I use it for both personal and business use. When I travel with large groups and pay rather unusually large sums at restaurants and other places, I note that I get "locked" out of my account. I make a quick phone call to the number on my card, and they acknowledge the lock because of the activity that is "out of normal" for my account usage. WONDERFUL security measure. They immediately unlock my account, and I give them my schedule for charges for the next few days and have no further problems. I have begun calling them prior to my trips and let them know what I will be doing, and I don't get the locks any more. From time to time I still get the security lock for other reasons, such as using my card three times at one gas station in one day when I fill my three vehicles. ALL CONTACTS with customer service have been very pleasant, and I have never had any of the posting problems that I noted on the other complaints. So in conclusion . . . I find this to be a valuable card to me. I get frequent flyer miles with the card and I have gotten over 20 free flights to date.

I have been seriously going through my credit cards to help save some money. I have a Seamiles Carnival and a Juniper card which are charging me outrageous interest rates. Do you know if I can close these accounts even though I have an outstanding balance? Or, do I need to pay them off first? I plan on still paying my monthly payment plus at least $100 over the minimum to reduce the balance but have no intention of ever using the cards again. Please let me know.

Thanks
Tina Blakely

I recently applied for a Juniper credit card online because they offered a decent rate and I wanted to transfer my balance from a higher rate card. My online application was declined. I thought this was the end of it.

A week later I received an email saying the card is approved. I then received an email saying my credit line was nearing it's limit. When I called asking about the balance they pointed me toward the "fine print" stating that if they do not approve the full amount they will transfer a partial amount...apparently even if you are declined.

They will get about $45 out of me for the balance transfer fee. But I will not give them anything more. I will pay off the transfer amount immediately. I've already cancelled the card.

I HAVE WORKED AT A FINANCIAL INSTUTION FOR OVER 5 YEARS. A MONEY ORDER IS NOT SAME AS CASH BECAUSE IT IS JUST AS EASY TO SEND A FORGED MONEY ORDER AS IT IS TO FORGE A CHECK. It is called 'guaranteed funds', yes, but in this new day of easy check fraud, it no longer is. I recommend ANY company that accepts money orders to put them on a long hold because my financial instution was hit for THOUSANDS on forged money orders- the only true, real way to ensure your payments is to send a check because a check offers a receipt when it is cashed - proof of receipt. Otherwise, paying online and having a copy of your statement showing the date of that payment on or before 5 days prior to the due date NOT INCLUDING WEEKENDS OR HOLIDAYS should suffice. I hope this helps!

It depends on the company. some will let you close and then payoff the account, but that is rare. You will need to either transfer the moeny to another card or request a personal loan from your financial instution to pay off the card. the only other option is to continue paying the card until it is paid off. Dont forget that it NEVER hurts to call and ask if the company will reduce your interest rate. Do not expect it, but it works about 50% of the time. HOpe this helps ! :)

INCORRECT CREDIT REPORTING:
You dont need to fight a company if they reported incorrectly. the only thing you need to do with the company is call them and tell them that it is incorrect - there is not much they can do legally once they reported wrong (i know that sounds funny). what you need to do is go through the credit reporting agency and file your dispute there, that will get it cleared off. you may also go through your personal financial institution or even your insurance company if you have a good one, they usually will help with this kind of thing

CREDIT REPORTS: they aren't perfect! stay calm and take appropriate measures to fix your incorrect credit items. it is very easy, just contact the Credit Reporting Bureau first. Research how to do it properly and you will not have any problems!! DOnt think you're hosed or screwed, you all are getting way excited. i know it's personal and very important to keep your good name, but things happen jsut follow through with the correct steps to fix your issues - remember - THROUGH THE REPORTING AGENCY

I am so frustrated with juniper. I have TWICE made online payments that did not get credited properly. When I try to resolve it the customer service person has been very rude. As a result, my account just got a late adn over limit fee. I have 6 other cards that I pay online an dhave never had a problem. First of the year, I am cancelling this one and will never do business with them again.

I have had this card for years now and have never been a problem customer, in fact, I just paid my balance in full a few weeks ago.

I went to charge a Christmas gift on my card today and it was declined.

This is how I found out that Barclays had lowered my credit limit. 1 week before Christmas - no notice whatsoever.

I spoke with a colleague and she said her account is always paid in full (monthly) and she was declined at the grocery store yesterday using her Frontier Mastercard. She called Barclays and they said the put a hold on her card because they had charged a camera on it the day before (Christmas Gift). She said they have NEVER done that before.

A lot of us here in my office have a Frontier Mastercard and we are now worried that Barclays is not doing well - maybe going bankrupt, given the current economic situation.

BARCLAYS SUCKS,
I ORIGINALLY OPENED WITH A CREDIT LINE OF $2700. I PAY MUCH MORE THAN THE MONTHLY BALANCE. I PAID $1000 ONE MONTH , $600 ANOTHER MONTH, $700 ANOTHER MONTH, AND MUCH MORE MANY OTHER MONTHS. I then send in a Western Union certified money order for $1000 , and I don't see it clear for over 10 days !!!!!! They then were very nasty to me over the phone when I inquired. They hold the money because they make money on interest. I now look at my credit line, and without any explanation it gets reduced to $2200 !!!!!! Nothing, no explantion. I even made a $1400 payment just last week !!! I called the clerk and told them that I will pay off the small balance this week and that I will probably close the account. I told them to put this notation in the notes. Did she care ?? No . Still rude and did not give a damn. I will close this week.
BOB REPLAY

BARCLAYS SUCKS,
I ORIGINALLY OPENED WITH A CREDIT LINE OF $2700. I PAY MUCH MORE THAN THE MONTHLY BALANCE. I PAID $1000 ONE MONTH , $600 ANOTHER MONTH, $700 ANOTHER MONTH, AND MUCH MORE MANY OTHER MONTHS. I then send in a Western Union certified money order for $1000 , and I don't see it clear for over 10 days !!!!!! They then were very nasty to me over the phone when I inquired. They hold the money because they make money on interest. I now look at my credit line, and without any explanation it gets reduced to $2200 !!!!!! Nothing, no explantion. I even made a $1400 payment just last week !!! I called the clerk and told them that I will pay off the small balance this week and that I will probably close the account. I told them to put this notation in the notes. Did she care ?? No . Still rude and did not give a damn. I will close this week.
BOB REPLAY

WHO ARE YOU KIDDING THAT YOU GOT OVER 20 FREE FLIGHTS ?
YOU WOULD HAVE TO SPEND OVER $ 500,000 TO GET THAT YOU CLOWN

I have a simular problem here. My wife and I opened an account about 4 years ago while on a cruise. Everything worked like clock until October of this year. Although the card had a very high balance, we never missed a payment in four years.

After an oversight by us, in October we made a purchase that took us over our limit, the percentage rate went from 3% to 29%. To turn the screws in even more, our new monthly minimum payment went up to $400.00.

i agree that this company is horrible. i have had my card for a few years with a $2500 credit limit. my minimum payment is about $30 and i pay $150 per month. i normally pay through electronic banking with my bank but today went on to the juniper website to pay as the holiday is this week and i wanted to make sure they received payment early. lo and behold my credit limit was cut in half with no notice whatsoever.

am now looking into transferring what i owe to another card and getting far far away from juniper - never ever been late with a payment and have always overpaid minimum due.

this has an effect on credit ratings also when they keep lowering peoples' limit for no good reason

Have had this card for 4 years I have never carried a balance on it and today recieved a letter cutting my limit to 1000.00. Never been late never beeen over limit and always paid infull.........

card canceled today!!!!!

Don't reccommend to anyone they only want to lower your limit to get you to go over limit and fee you.... say good bye Juniper Bank

Luckily I looked at my Juniper(Barclay)credit card account today. I originally had a $2500 credit limit that was dropped to $650.00. I have never had a large balance on this card, making payments in a timely manner, many times twice a month. Now they have screwed my credit report by putting me at a balance of almost 90% of my credit limit. To do this to good customers means this company most likely is in trouble. If you have a card, watch it like a hawk and pay off the balance. Look at what is being posted online about Juniper(Barclay). It isn't good. If you don't have one don't get one. You deserve better than a Juniper(Barclay) credit card.

We just had the same thing happen to us - we had a $3000 limit - we only had a few hundred dollars on the card (and were paying WELL over the "minimum payment"). In Nov, our balance was around $500. then in December we charged up to $2600 for Christmas; but paid it off before we even got the statement. (the statement we received today says our balance is $1.65) .

Here is the problem: my husband had logged on last week to make sure they got the payment and they LOWERED our limit from $3000 to $500. When my husband inquired he was told it was due to "our spending practices and payment habits". What? We pay 4 times the minimum payment (or pay off our balance completely) and our limit was lowered? Makes perfect sense. We will be cancelling this card after we pay our HUGE $1.65 and will be reporting this practice.

I have had a Juniper account for 3 years and have never had a problem until this December 2008. I had a 3500 credit limit and have never exceeded the limit, nor have I ever paid late, infact, I always pay early and normally pay three times the minimum payment ... I have good credit and have a low interest rate. I received my December statement on the 12th and everything was fine. On December 27th I got an email telling me that I was approaching my credit limit ... which wasn't possible, because I knew I had over 1600 in credit still available based on my December statement and all of my credit card receipts. When I called to inquire I was told that my credit limit had been lowered because I didn't use the card very often. I "had" been using the card for Christmas shopping for month, so it just didn't make sense. If I had been out of town for the holidays and had not been checking my email, I would not have had any way of knowing that they had lowered my credit limit ... and could have possibly incurred "over the limit fees" if I had used my card. This unscrupulous practice could cost card holders a lot money and put a lot of "over the limit fees" in Juniper's pocket. I intend to report it to the office of the Attorney General of Delaware and anyone else who had had this done to them should report it as well.

Because their explanation didn't make sense and it appears to be happening to other card holders as well, I am suspicious that the Bank (Barclay Bank) that owns Juniper, is discriminating against American card holders due to our current financial crisis. Credit is becoming harder to obtain, and people are losing their jobs, so perhaps they consider us a greater risk. If this is the case, they need to handle things a little differently and more professionally. Just be honest, and give us a decent notice with our statements.

http://www.bcsalliance.com/x_creditcardtricks_a.html

File a Complaint Against Your Credit Card Company
Report the credit card issuer to the Comptroller of the Currency. Phone number is 202-874-4700.


Report the company to your state's attorney general's office. You can find links to your state's AG website at naag.org. Your state might allow you to file a complaint online. This is probably the most effective complaint to make as it is the attorney general's who have filed most of the lawsuits against credit card companies. For example, it was the California AG who sued Providian and forced them to pay the largest judgment against a credit card company ever.


Report the company to the Better Business Bureau. Submit your case for dispute resolution online at www.bbb.org.


Report the company to your elected representatives. You can find their email / mailing addresses at www.house.gov and www.senate.gov. Note that the banking industry (which is comprised mostly of credit card companies) has a lot of power in Washington, D.C. in the form of lobbyists and contributions to election campaigns. Despite this fact, your elected officials are more afraid of you because you can vote them out of office. If you think contacting them is a waste of time you're wrong. Someone will read your correspondence -- if enough complaints are received something will be done about it. Learn more.


Report the company to banking regulators. Their mailing address is Division of Credit Practices, Bureau of Consumer Protection, Federal Trade Commission, Washington, D.C. 20580 or file a complaint online at www.ftc.gov.

I opened an account with Barcalays/Juniper in 2006, everything was great! for about 2 months then I started noticing all these charges for no reason, I called and they basically said pay us, you owe us. You were late this day and then that made you go over blah blah/ None of this was true. So while I am fighting with them, and trying to reslove this, I wrack up 900 dollars in over the limit fees and late fees. I went into bk last yr when the housing market fell here, and they still wont take themselves off of my credit report and mark BK next to it! AWWW they are my nightmare!

I just called my Juniper MasterCard account. I was told by 2 representatives and then a manager that the retention department was closed and had been closed for a few days now. I was told the employees in their retention department were answering customer service calls because they were so busy. So, there was no one I could talk to about getting my interest rate lowered. They said I could call back in 5 days. 5 DAYS? This is unbelievable and I have no idea who to contact because I can only find one 800 number to contact them. I have never heard of a credit card company closing their retention department so this just seems rather suspicious to me. I was told there were numerous reasons they were so busy, one reason being that more people were calling to see if they could get a lower rate on their card, and another reason being that since it is right after Christmas their call volume always goes up. Well if their call volume always goes up shouldn't they be prepared? And if one of the major reasons for the increased call volume is people are wanting lower interest rates I would think they would want to keep the department that can help them (the retention department) open. I think now that more people are calling to get their interest rates lowered the credit card companies are looking for new ways to make it harder to get some financial help.

I am another victim of their secret credit limit reduction. I just bought a house and was at the appliance store attempting to buy a washer and dryer. I had a 5000 limit with a 0 balance. Store ran the card and it came back declined. I called Barclays right there in the store and my limit was reduced to 250 "due to my spending habits". I told them to immediately cancel the account and their response was "it will ruin your credit". I then inquired if they received any federal bailout monies and was told "we can't disclose that information" and was disconnected. Sounds as though they are in trouble. I am telling everyone to stay way away from them.

Credit score is negatively affected by lowering of credit limit.

Juniper did it to me too, though I never went over limit and paid on time.


P.S. Have had a card with Wells Fargo for years and they never pulled anything of the sort.

I was told over and over again that balance transfers earn 0% interest for 6 months. I fell for their promotion and applied for an AirTran Visa Card through Barclays and I guess Juniper Bank. Little did I know that they would take my regular payments and use them as they chose. I was mislead tremendously. Despite paying off every charge in full and on time, interest accrued. Barclays / Juniper used my payments (that I specifically earmarked for regular purchases) for the 0% balance . This criminal policy was outlawed on Dec 18 by the Dept of the Treasury. What options do I have? The Barclays Bank and Juniper service and friendliness has been atrocious. Beware of their malicious intent.

Sadly, I was referred to this finance company a reputable organization; thru my own fault I did no research and just accepted based on the good name of the referring organization. Little did I know what kind of scam Barclays was running. I feel like yet another victim in the Financial Collapse of America because of institutions such as Barclays Bank/Juniper.

I have made more than my min payment; I have made payments twice per month...never late.

However, because they have their scam set so that their "system" doesn't understand a payment made on the 20th of the prior month is for the payment due on the 6th of the next month they consider your payment late and charge not only exorbant late fees but increase interest rates to a Usury amount of 27.99%.

The only way they can be stopped is by no one applying and using their organization. PLEASE...be wary.

Beware.... I think they are in financial trouble. I have never been late with a payment; in fact I pay more than then minimum every month. They suddenly doubled the amount of my minimum payment for no reason. I tried to talk to them, but it was like talking to a wall. They said it was "their right to raise the payment or interest rate at any time without cause". I paid off this credit in full this month. I don't want to deal with them. I would suggest if you have money in their bank, that you move it another instutution.

This is the worst credit card company ever. They charge overlimit fees for .48. They lie about whether or not they can refund fees. I didn't realize I had been charged an overlimit fee of $39 due to being over $1.05 when I made the next payment I was over $3.40 and received another $39. Their policy is to never refund the fees, etc. I wrote, I talked, I emailed, I closed my account of $3500 limit. They would rather I do that than provide any kind of customer service. They don't respond properly to correspondence and have yet to state their policy on overlimit fees. So my husband's card went over $.39 (it is amazing how once their fees are added you are always just over) and the rep refunded half the fee.

can anyone please foward me a contact email or phone number to reach this company? i believe my account was set up through Travelocity & i have never recieved a bill, forgot about it & now am told (by another card agency) that my credit report is showing deliquent with them.

thank you for your help! I only wish to pay it off in full, but need to be able to reach them to do so.

I was always a faithful customer, until recently. I changed banks and I pay online Juniper sent me emails saying that my payments were successful. Not true! I ended up with all of these late fees because their online system wasn't catching my newaccount number. glitch maybe? I wonder because no other C.C companies had problems. I spoke to several, extremely RUDE!!!! ppl who could barely understand me. They would not even let me speak to a supervisor. I asked their what their address was so that I could mail them a check,A.S.A.P and avoid late fees but of course they don't want thisto happe.

Please WARN EVERYONE!!!! about this fraudulent company!!! now my credit is messed up After years of working on it. I have closed the account but I truly! want to *warn* others of this very shady & dishonest company. Avoid them like the plague.

OH, have I had problems with Juniper since the 1st statement I received!
I open this account with their 0% interest for 12 mos. I used this acct to pay off a bill with the plans to make the monthly payments on Juniper and payoff the balance before the 12 month promo was over. I used the full avail credit on the card.
When I opened the acct the ctm svc rep keep trying to get me to sign up for this free 30 day trial protection plan, I usually never sign up for these things but as many times as I said no she kept going on and on about it and telling me its a free 30 day trial so I finally say yes to only shut her up! I get my 1st statement and there is a charge from the protection plan (BEFORE THE 30 DAYS) putting me over my limit and received a $39 OVERLIMIT fee. I call up to find out why the protection plan made the charge, they told me it is a separate company and to call them. I did and they told me that it was a promo of if you cancel the program within 30 days you get refunded the amt charged. I cancel the program and get refunded. So I called Juniper back and tell them how the ctm svc rep misrepresented the terms of this protection plan, therefore should receive a refund of the $39 OVERLIMIT fee. They agreed and told me they would refund it.
I make my 1st payment online on time but was charged a 2nd $39 OVERLIMIT fee on my 2nd statement and also see that they did not remove the 1st fee!
I once again call and was assured by a manager that both would be removed.
I got back online to set up my next payment but then decided to do the automatic repeat payment schedule on the due date. I cancelled the original one payment as I didn't want two payments made. Since I cancelled it I decided to check a couple days later to make sure that it was scheduled to happen with the repeat payment plan. It said it was scheduled. Well, guess what, it was not done, so I receive a $39 LATE and 3rd $39 OVERLIMIT fee AND find that the other 2 fees were still not refunded.
I called and told them the whole history and how I set up the payment schedule and how it said it was scheduled. They told me it takes 1-2 statements for the repeat payment plan to take effect. Nowhere on the confirmation I got for signing up did it say this. So he told me he would give me a one-time courtesy refund of the LATE fee. But I no longer trusted them, so I made an extra payment to put me well under the limit in case they don't remove the fees.
I get my next statement and amazingly I find that they refunded the LATE fee but only one OVERLIMIT and even worse find INTEREST charges!!!!
I call up and they tell me because of the late payment my 0% promo is no longer valid and they are charging 22.49% APR interest! Even though the manager on the last call agreed that because there was a misunderstanding of when the repeat payment plan starts he refunded me the LATE fee but they still considered it late and I no longer have the 0% promo. I asked for a manager and was told that all managers were in a meeting for the next 1-2 hrs and was assured one would call me back within 24 hrs. It has be 2 days and no call back from a mgr.
I have heard of WBZ Call for Action and how they talk a lot about these kind of situations and they help the consumer. Today is Sunday so I will be calling them tomorrow. 617-787-7070 between 11AM and 1:30PM, M-F. For those that do not live in New England, look for your local AM radio station as they may offer the same kind of service.

I got this card as part of an Airtran Airways promotion. They have arbitrarily lowered my limit despite paying all my bills and other cards on time and well below their limits. They are sleazy, arrogant and really bad news.

I have even stopped flying Airtran until they select another provider. Airtran even allows this bank to solicit customers on their Atlanta concourse, knowing this bank is unethical, if not ouright dishonest.

I love my Capital One account. This one has been simply a waste.

I have had nothing but trouble with my card from this company....the latest: I made an online payment of several hundred dollars so I could make an online purchase....They have put a hold on that payment and have not posted it to my account even though it has cleared my bank! They won't post it to my account for my use for 10 days! I never heard of such a thing! And I'm probably paying interest at their terrible rate while I wait for them to post it to my account.....How can they get away with this?!!!

I am in the middle of a huge nightmare with this bank also! I got my card 2 years ago, when I in fact signed on with Juniper (AKA Barclay of England) I had a 1000 initial credit line, and after 1 year went to 2700 (which tells you I must be doing something right?) several months later I was planning to take a trip across the US and had a 2000 balance. Before leaving thought I would pay 1700 onto the card thinking it was safer to carry card than cash. I took my family out for dinner and paid with this card and it was declined (how embarrassing was that) thank god I had another card which I have no trouble with. Turns out they took money from my account the next business day, and did not apply to my account for exactly 10 days after. When I called and finally managed to get a hold of someone they told me like many others we are within our legal rights to hold it for that long. Can I charge them for being late applying MY PAYMENT? They have no problem charging you if you are 1 day late, which I found out after they did not send out my statement one month and then charged me 39.00 fee and upped my rate from 9% to 27.9%.I have been arguing this with them for many months to no avail. Now in an attempt to pay my full balance off I paid 1000 last month and they in turn lowered my available credit from 2700 to 2000. again? WTF! I do not recommend this group of uncouth banking jackals to anyone, and if you have a card? PAY IT OFF AND CUT IT UP!!! Eventually they will find a loophole to hang you with!!!

Has anybody tried small claims court? It seems to me that in this financial climate and Juniper's predatory practices, it would be a slam dunk.

I posted earlier of the horror I've been through with this company. I found out that the FDIC handles cases like this and Barclay/Juniper is one of their responsibilities. Call them at 877-275-3342, they told me to write up the problems I've had with them and fax (703-812-1020) it over to them or go to their site FDIC.gov
I sent my in Friday and hope to see some action soon.
I HIGHLY SUGGEST EVERYONE DO THIS!! If they see how many of us there are that are getting completely screwed by this company they should take it seriously and see how dishonest and I believe unlawful this company is.

I could undrestand if this situation was one or two people but there are MANY. I have had similar problems but only with Juniper and none of my other credit card companies so i have closed out my Juniper card and will NEVER use them again or recommend them to anyone!!!!!!!!!!!

Very smart idea as this is the worst credit card company i have ever had!!!!!!!!!!!

I just closed mine and will NEVER use these crooks again!!!!!!!!!!!!!!!

I am also telling all my friends and family to not get cards from this company!!!!!!!!!!! Lets run them out of this country!!!!!!!!!!!

Good luck as i hope you win and take these crooks down as we all work too hard for our money.

Please for your sake DO NOT use this card. I have a 7.95 credit score and they have double my interest rate. I made a $100.00 phone payment but they took $400.00. Any complaint falls on deaf ears. Your credit score is based on the amount of credit extended /issued to you. Also debt to income ratio..so do not use this one...you will run your credit before you ever get to rebuild. But check monthly to make sure they have not put charges on it. Now if you close accounts it goes against your credit score. Good Luck
Honest here in Texas

Does anyone out there have a phone number that is answered in the US???!!! I've talked to individuals in the Manilla and I know they have NO authority and are just reading from a script.

I've tried to resolve a late payment fee (1 day late) since October '08. Finally gave up last month (January) and paid off the balance (all late fees and finance charges as I quite using the card) and closed account. The payment was posted two days after I called resulting in ANOTHER late payment fee. I'm fed up!! What can I do!???

I have paid off this account. When I opened it in August as an Airtran promotion I received a $10,000 limit. When I was in Long Island, NY on vacation they lowered it to $5960. It didn't harm me as I was still able to use the card for my hotel because my available credit was still low. But it greatly irritated me they did this without any notification.

So, after encountering the same rudeness as everyone else from their customer service I simply paid them off. I will close the account in a couple of months. For now I'm simply watching it making sure they don't add any funky charges.

They are the pitts of credit cards, but also a clear sympton of why people are cutting spending even if they pay their bills on time and are/were good customers.

Because of Juniper I've gone to a virtual cash only basis and have paid off two credit cards and lowered my balance on the other two within the past month to well below 25% of my balance. Every 3 months or so I may charge a tank of gas to them to keep them active and positive on my credit score but I'm done with relying on banks and/or credit cards.

And banks wonder why they are losing money. Sheesh!

I took Juniper/Barclays up on one of their introductory offers, transferred balances from other cards, and then paid off the balance, or so I thought. Closed the account and went along fat dumb and happy, until I received an email from Juniper stating I had a balance! Due to their strange way of computing finance charges, I had $8.80 left after paying off the amount on my statement (over $1400). I got hit with a $1 minimum finance charge and a $39 late fee!

The customer service (hah) rep in Manila or wherever agreed that $40 was a bit much to charge someone who was obviously paying the account in full and she politely took off the fees, charged my checking account $8.80, and gave me a confirmation number. Imagine my surprise when I got an email from Juniper yesterday informing me of an upcoming payment date! I called, got someone else in Manila who made me listen to 10 minutes of hold music and then told me that the CSR I spoke with four days before couldn't take the charges off. I mentioned the confirm number, as if that was going to do any good. The upshot is, after about 15 more minutes of going around in circles I've just paid these ashwipes $48.80 for an $8.80 balance -- charges that would have been waived by any reputable credit card company.

I'm STEAMING MAD but it's obvious from reading earlier posts that I won't win against these crooks. So, I can only add my voice to everyone else's and urge you to NEVER HAVE ANYTHING TO DO WITH JUNIPER / BARCLAYS!

Yes, I agree that Chase is a terrible bank ... the worst. Juniper/Barclay is the second worst. Was a day late with a payment (due to my new checking account posting it 5 days after it was supposed to go through). Will never deal with either ever again.

I have always made my payments on time and never ever missed a single payment. However, since the past month or so they have started sending automated messages on my home phone answering machine saying stuff like ---

"Hello, this is juniper bank. Your credit card payment is due in 3 weeks"

I mean what the heck? 3 weeks are there for payment deadline and they start calling before. They called like this at least 50 times. Even on sundays, during evenings and dinner time too. Furthermore, a human rep would never come on the line. When i asked juniper what is all this nonsense, they never responded.

Definitely the WORST credit card of all. I regret opening account with them. Not to mention the 28% APR they imposed on me when all the other cards have 9% APR.

I had been using my card for over 3 years at purchase rate of 11.99. I got close to the credit limit around the holidays, so I stopped using it. BAM! With the interest tacked onto my purchases, I was $20 over my credit limit. Not only was I charged a $39 fee, but my interest rate was increased to 22.24%!!!!!! I've always made 2 to 3 times the minimum payment at least 2 weeks before it was due. While speaking to an Account Manager today, the only thing the bank will do is lower my rate to 20%. WOOHOO - That will surely help in this economically depressed time!!!! No matter what I pay, the better part of my payment will go to interest. Guess that's one way for Barclay Bank to stay afloat!!!! Charging usury rates!

I wrote my US Senators and Congressman, the BBB, the US and state's attorney Generals, and all government regulatory agencies. The FDIC took up the case and the office of Thrift Supervision did as well. Juniper continued to harrass and hold to their company line.
When the feds got involved Barclays stopped the harrassing phone calls and closed the account. The Feds forced them to submit all contracts, aggreements, disclosures and communication. This is one thing they don't want to do.
If you think you are right, it's worth the fight.

On CNN this morning (3/16/09) AIG named the banks it had given part of the U.S. taxpayer bailout to. Juniper/Barclay's received just under $1 billion to shaft U.S. credit card holders with. We should be demanding that all phone calls from U.S. card holders be answered in the U.S. by American citizens, not in the Phillipines or whereever else in the world that Juniper/Barclays can discriminate against U.S. consumers while receiving our tax money to keep them afloat.

http://www.cnn.com/2009/US/03/15/AIG.banks.list/index.html

I suggest that all who read this to check on the upcoming hike in interest if they are not aware of it yet.

They are hiking credit card holders another 6% on average. and putting the default % at 29.99.

This is out of nowhere. I have had two cards with them for about 5 years. No late payment - Always paying more than the minimum. Always pay in advance of due date.

I called them and got bull is all. It's just the decision by the bank even thought prime is at it's lowest in a decade.

They will be losing my business as of the end of the week.

I never had a problem with my Juniper Bank MasterCard account. However, I have canceled it. They raised my credit limit before the banking crises, then, they lowered it. Not they are changing the APR from a fixed 8.99% to a 14.99% plus prime. Although I pay in full every month, the low 8.99% fixed rate was the only reason I got the card in the first place. Enough is enough. No more game play.

without notice they lowered my credit line 80%. I was never late on a payment I never went over my limit. I never even used more than 30% of my credit. when i called to find out why i was being denied an indian lady told me my credit was decreased and there was nothing else she could say i would get a letter in 7-10 days. so i said screw you shut off this card.

I got the same notice but slightly different terms. No rate increase, but one late payment and it goes to 29.99

They apparently want customers to opt out and close the account. Well I was using the card only to pay for school and currently I am in in my last semester so I don't need the card anymore and have no problems doing exactly what they want.

They are not the only CC company that is going nuts like this. Capital one, who used to be a good company is doing the same thing. My mom had a zero balance on her capital one till dad died a few months ago. As soon as she put his funeral expenses on the card, they hit her quick. We know several other people they did the same. I had some school on it and sure enough I got a letter right after my mom's only they are giving me a year to pay before they jack up the rate. They are doing this because of the new laws going into place in '10 that stop them from jacking up existing balances. Yet I have read the new laws were passed by friends of the CC companies because stronger laws would have been passed if their friends in gov't had not acted first. The only way banks are ever going to be fair again is to remove these anti-public folks in gov't that are owned by the banks. It doesn't matter if they are Dems or Repubs, if they are working against the public they should be exposed and removed from office.

Good luck to everyone during these difficult times!

Juniper Bank / Barclays are the most immoral, unethical, rude and deceitful credit card company I have ever encountered. DO NOT deal with these folks. Tell your friends and family to avoid Juniper Bank / Barclays at all costs.

While waiting for a connection at Atlanta Airport for a flight to Akron Canton. An Air Tran, at least she was wearing an Air Tran shirt, asked my husband and I about opening an A+ VISA account. She told us for a $39 annual fee we would receive a round trip airline ticket. I asked her approximately 4 time what the catch was and each time she assured us if we used it one time we would receive the tickets. My husband and I opened an account we were to each receive round trip tickets. We received our VISA card in the mail and each made a transaction. When the statement came there were no points/credits for a round trip tickets in our A+ Air Tran account. I called Barclay who apparently is the company A+ Air Tran VISA card is with. I was told I did not have the account the rep had discussed with us. We have a no annual fee account with NO air line tickets. Both my husband and my self requested an upgrade to the $39 annual fee account. We were assured that would happen and the points would be in our A+ accounts by the beginning of April. It is April 10 and no points. I have called a number of times since I found out about the mix up with the accounts, each time I am given different information. Everything from the points will be in your account by mid-night, it will take another 30 days your account has not been upgraded yet, we are checking your credit, and the comments go on. It is very difficult to understand the representatives. They are not located in the USA they are in Manila, Philippines. I would think Air Tran would not have any connection with a company such as Barclay. I was told by one of the Applications representatives who had no affiliation with Juniper/Barclay. Apparently she writes applications for a number of companies Juniper/Barclay transferred me to her saying she might be able to help me. She said there really wasn't anything she could do and that I was the third horror story she had heard today about Barclay. I intend to contact Barclay daily until I get the tickets promised me. Then I intend to close the account. I can not trust them with any of my financial information. The saddest part for me is I was promised the round trip tickets and I took the rep at her word. I reserved room at the resort for my brother’s wedding. I told him no problem I will be there. I will be missing the wedding due to scam I was gullible enough to believe because I trusted Air Tran!

You must be an employee ....

Yes, they have always been a thorn in my side.... their outsourced customer service... they read off scrips, never any personal touch what so ever... the number you posted is out of service... RUN AWAY FROM THIS COMPANY JUNIPER

Juniper is Barclays

Juniper_Shame_On_You


Today was a first for me. Juniper Master Card. Juniper increased my Rate from 7.99 to 23.24 APR. Their reason, my payment was late. Mind you, the payment at best is 4 days late.

As a rule I pay all payments via bill pay accounts and until this late posting of my payment, I have never missed or been late with a payment with their firm. After heated conversations with them my opinion and actions of Juniper are as follows: They are crooks. Juniper Master Card and this industry will continue to rob people unless they become regulated. The reasonable interest that they make on transactions are not enough, they subscript to greed and will not end their blood sucking practices without the applications of a strong hand that is heavier then the one they currently swing.

My responses to their actions are as follows.

1) I closed my account on the spot.
2) My wife closed her account.
3) I have issued payment in full to bring the balance to zero. (I refuse to allow them an opportunity to make one extra penny at my expense.)
4) I will write both to the state and federal Congress and Senate concerning their policies.
5) My memory is long, and I will protest their action at every opportunity and event that I attend. I believe that I come in contact with no less than 30 people per day. Do the math (30 people * 360days). I will commit to this campaign for at least one year none stop.
6) I will never knowingly support any business or associated business related to Barkley Bank and any of it associated firms and or holding.

Note the number 6. The number should really be 666.

Shame on you Juniper Credit Card and the members of its senior management that would support such a business tactic and strategy.

This would be true if:

1) The credit card agreements were written so one can know exactly what they say.

2) Juniper/Barclays/Airtran were ethical and honest businesses when dealing with consumers which clearly they are not.

they do not comply w/industry standards, and cheated me out of $40 prior to my closing my account with them. They are a joke, and I filed a complaint with the Arkansas Attorney General's office. They wouldn't even provide a current customer, their corporate address or phone number. Said you have to fax a complaint, which I did, twice and never received a response.

Juniper/Barclays bank is a RIP OFF. DON'T EVER ACCEPT ONE OF THEIR CREDIT CARDS.

camille park

file a complaint online with the Arkansas Attorney General's office. It's really easy. They will shut them down, if they get enough complaints.

Thanks,
Camille Park

Hi, I had the SAME thing happen to me, 2 days late (I change bank accounts and online banking), and they charged me $40. I had never asked them to waive anything, and paid my account in full ea month.

They do not comply w/industry standard practices, of offering to waive 1 late fee per year. They would not provide me the address or phone # for their President's Office. Just said it was in Arkansas. I file 2 complaints w/the AR Attorney General's online complaint dept.

Did you have any luck getting your $40 refunded?

Camille Park

Juniper Bank address for General Correspondence
Card Services
P.O. box 8801
Wilmington DE 19889-8801

Credit Card Disputes
P.O. Box 8802
Wilmington DE 19889-8802

Use this form when disputing charges on your Credit Card to Juniper
https://gif.juniper.com/images/forms/dispute_cardservices.pdf

When corresponding with any financial institution regarding a complaint always send the correspondence to them via Certified Letter, Return Receipt requested

You should mail a copy of your complaint to:
Apple Computer
Attn: Mr. Peter Oppenheimer, CFO
1 Infinite Loop
Cupertino, CA 95014

If the CFO, Mr. Peter Oppenheimer gets enough complaints in the form of a written letter (a piece of paper that someone has to do something with) perhaps Apple will reconsider their business relationship with Juniper/Barclays Bank

I just printed out a copy of all of these complaints & am intending to send them to Mr. Peter Oppenheimer. If you can see your way clear to do the same thing......if he continues to hear the same complaints, perhaps he will be moved to action & cancel Apple association with Juniper/Barclays bank.

If you don't say something to Apple, then you are, in essence, putting a seal of approval on the way Juniper/Barclays treated you.

BTW, this isn't the only place where people are complaining about Juniper/Barclay Bank

http://forums.macrumors.com/showthread.php?t=400493

http://www.complaint.tv/juniper-1378.html

http://discuss.pcmag.com/forums/1004421197/ShowThread.aspx

I have cards with Chase, Citi and Barclays. I have to say that from a customer service perspective Barclays is clearly the worst. I have never felt like a valued customer with them. Chase has always worked hard to make sure that I am happy. Citi has also provided good service. The best test is how they work with you on the phone when you call in. Only Barclays continuously finds ways to disconnect the call and make me go through everything a second, third and maybe even a fourth time. I am in the process of eliminating any cards that I have with Barclays (even if it will mean that I no longer earn miles on US Airways-I just cannot stand dealing with them anymore).

Write to Apple regarding your complaints with Juniper

--------------------------------------------------------------------------------

I'd like to suggest you write, directly to Apple regarding your problems with Juniper. Here is a copy of a letter I mailed to the Chief Financial Officer, Mr. Peter Oppenheimer, via certified mail, return receipt requested
====================================================
To: Apple Inc.
1 Infinite Loop
Cupertino, CA 95014

Attn: Peter Oppenheimer, Chief Financial Officer

Re: Juniper has ruined Apple Computer in my eyes; I will not buy an IMAC

I submitted a 12 month, 0% credit application, online through the Juniper website on 22 April.2009. I received a phone call from Juniper on 7 May 2009, verbally telling my $3500 credit limit & 0% financing for 12 months had been approved.

When my card arrived, I carefully read the terms & discovered my $3,500 limit had been approved, however, my 0% financing for 12 months had been denied & no reason was given. Enclosed is my recent credit scores of 773 or higher for all 3 credit reporting agencies + I have 4+ years of employment with the same employer & 4+ years of living in the same place. Rock solid credit.

Considering the multiple reported problems with Juniper, I’ve decided I’m not going to activate the card & I decided NOT to buy $2,500 worth of Apple Products until such time as you sever Apple’s business association with Juniper.

Here is a list of message boards with people complaining about Juniper, for years & years & years:

• http://forums.macrumors.com/showthread.php?t=400493
• http://www.complaint.tv/juniper-1378.html
• http://discuss.pcmag.com/forums/thread/1004421876.aspx
• http://www.my3cents.com/showReview.cgi?id=44821
• http://www.ripoffreport.com/reports/...Off0401725.htm If you don't use your Juniper iTunes Rewards VISA (issued by Barclay's) for an entire year, they close the card and report to the credit agencies that you requested to close it.
• http://www.democraticunderground.com...ss=105x2565575
•http://www.epinions.com/msg/sec_~for...~1/pa_~1?nli=1

Looking over all of the complaints over a long protracted period of time, I’ve decided there are too many questionable business practices & problems with Juniper:

• Too many people reporting they made a timely payment, which was not posted by Juniper in a timely manner resulting in late charges
• Interest rates being increased without notice
• Credit limits being reduced without notice resulting in overcharges

I’m certain you are well aware of the long list of complaints & questionable lending practices of Juniper . I do not understand why Apple Inc continues to maintain a business relationship with them.

Your business relationship with Juniper has turned me off & I will not buy the $2500 worth of products.

I’m lucky, in that I encountered problems with Juniper during the approval process & will not even activate the card I received.

I will be posting this letter on all of the aforementioned websites encouraging all others to also write to you regarding their complaints with Juniper.

At some point in time you will come to realize Juniper is turning customers away from Apple, Inc

I am so upset with this company. I sent my payment in at least 10 days before due. They posted to my account 1 day late and charged a $39 late fee. This made my account over the limit and they added $39 over limit fee. $78 for holding my payment!!!!!! Their service phone number is in the Phillipines. They will not give you a land based USA phone number. "Just keep calling back until you get answered in the USA" which has not happened...been trying for an hour.

Called consumer reporter volunteer line here and was given some alternatives such as complaining to the OCC.gov which I will do...but still want to talk with a usa rep of this company. I finally got a name and the number is not a working number. Writing a letter just does not satisfy me!!

I get more upset by the minute over this. I fully support the president's legislation to make these companies deal honestly and morally with their customers.

would you believe Barclays bank acquired Lehman Bros in 2008?
[url]http://group.barclays.com/Country/1231781206400.html[/url]

hmmmm, looks like they are trying to recoup the losses they sustained when Leman Bros declared bankruptcy

May 20, 2009

Credit Card Payment Disputes juniper@talismaonline.com
Card Services Juniper Customer Care [Correspondence@juniper.com]
PO Box 8803 Phone: 866-419-0881
Wilmington, DE 19899-8803 Fax: 866-823-8178
866-390-3437
Gentlepeople:

Barclay-Juniper Malfeasance and Fraud
Card *8111
Case Number: 1163334 and Barclay/Juniper 008-358-354

I hereby deny any indebtedness beyond the charges I made using this credit card which now total $469.13. This amount is in the process of being paid to you now. It does not include the $31.27 you erroneously charged my account.

The April 13, 2009 statement for $50.00 had a payment due date of Sunday, May 3, 2009 and since the US Mail is not delivered on Sunday, the effective due date in law was Monday, May 4, 2009. Our bank electronic bank check arrived in your hands on Thursday, April 30, 2009 and I cannot be held accountable for your check processing procedure which you started on Tuesday May 5, 2009 and did not complete until Wednesday May 6, 2009.

Payment details are: These are the details from my bank.
Payee: Card Services, *8111
Amount: $50.00
Payment type: Check
Payment option: One-time payment
Paid from: FREE CHECKING FOR LIFE, *9708
Sent on: 04/24/2009
Delivered by: 04/30/2009
Confirmation: NBDBG6TD

I consider it to be fraud for you to want me to pay $31.27 on a $50.00 bill that arrived on Thursday, April 30, 2009, well ahead of the legal due date of Monday, May 3, 2009. Why did it take seven days before you completed the payment process that you received on Thursday, April 30, 2009? It is illegal to demand an interest penalty of 5466% on an annualized rate for your failure to process money sent to you in a timely manner.

Please cancel my card *8111 immediately.

I have also been extremely disappointed by the poor customer service I have experienced during this whole process.

I also want you to note in your records that my husband, Charles Colin McNaull, Jr., has my permission to discuss the problems.

I look forward to receiving the credit for $31.27 which will zero out the account.

Sincerely,

Earla Sue McNaull
cc: US Senator Bernard Sanders, US Senator Patrick Leahy, US Representative Peter Welch,
Vermont Attorney General William Sorrell (ATG-CCF-4709), US Airways Customer Service

I have 2 accounts with Juniper/Barclays, I have made monthly payment 5 to 6 times the minimum, in some cases paying off the entire balance, I have never been late. Several months ago they cut my credit lines in half on both cards. I called the customer service department & was treated like a criminal, they said that it was their call and there was nothing I could do about it and they hung up on me. The next thing I know my largest Credit Card HSBC did the same thing as soon as they saw my credit score had dropped due to being almost at the credit limit with my 2 Juniper accounts, all of this without notifying me. So as to not be without hassling me any further on this last online statement one of my Juniper accounts raised their rate to 14.9% from the 8.9% that I have always had. They are the worst of the worst, they are singlehandly destrying my credit and I plan to pay them off & they can go to h--l. Thank you for the opportunity, I will complain to the AG's office here in Texas about the unfair treatment as well as file a formal complaint to the FTC.

peterq43 / Austin, TX

I have 2 accounts with Juniper/Barclays, I have made monthly payment 5 to 6 times the minimum, in some cases paying off the entire balance, I have never been late. Several months ago they cut my credit lines in half on both cards. I called the customer service department & was treated like a criminal, they said that it was their call and there was nothing I could do about it and they hung up on me. The next thing I know my largest Credit Card HSBC did the same thing as soon as they saw my credit score had dropped due to being almost at the credit limit with my 2 Juniper accounts, all of this without notifying me. So as to not be without hassling me any further on this last online statement one of my Juniper accounts raised their rate to 14.9% from the 8.9% that I have always had. They are the worst of the worst, they are singlehandly destroying my credit and I plan to pay them off & they can go to h--l. Thank you for the opportunity, I will complain to the AG's office here in Texas about the unfair treatment as well as file a formal complaint to the FTC.

peterq43 / Austin, TX

If they are such a reputable company why did they, just this week, go into my bank account, without permission or authorization and steal $1337 from my bank account. One withdrawal was an illegal transfer of electronic funds, the other a duplicate JUNIPER check no. 9999. Each thievery event was for $668.50 which overdrew my bank account $1,400. Don't give me any of your hogwash. This company is fraudulent and needs to be shut down and the people who run it criminally charged. Or they could just commit suicide and we'd all sleep better at night.

It seems that all credit card grantors are tightning the reigns to cover their respective butts. I think the lesson here is---

Stop worring about your credit scores. Do the best you can to pay off your debt and follow the Dave Ramsey plan for living a life free of debt. If I can do it, you can do it. It just takes a little control. Stop giving over your financial wealth to the credit card companies (that would be the banks that we just bailed out).

Check out Dave Ramsey's plan...

I always send my payment in early and usually always pay it through my bank account that I have set up on their website already, but on this occassion I decided to pay my full balance with another bank account and sent it in the day before it was due. My bank sent the payment but Juniper did not apply it untill the day after it was due and billed me a $39 late fee. So i called had to wait 7 minutes to speak to a rep, then I asked the rep to speak to a supervisor, which he was reluctant to pass me through, and after waiting on the phone for 17 minutes finally spoke to a supervisor which was only willing to credit half of the late fee, and after much talking finnally credited me the full amount of the late fee, but I am still left to fend for myself with the credit bureaus to get it taken off my credit file for their mistake, which is unfair! When I asked her if this would be taken off my credit report she just stated that she did not know since she was not a credit anylist!

I have read the numerious postings regarding the JUNIPER CREDIT CARD. Let me pass on my experience with the Juniper Card.
I started using my card about two years ago. I paid the balance in full every month and they increased my limit several times. At some point I became unable to pay the full balance avery month. I had a balance of $3700. on the card. Last November I paid it down $2000. I had never been late or over limit to this point. In January Juniper lowered my credit limit to the amount of my balance. I made payments as required. In May my due date fell on a Sunday. My payment was received by Juniper on Monday. They charged me a late fee of $39.00 and increased my interest rate to 29.99%. The customer service people were rude and unhelpfull. Had I paid early my payment would have been applied to the previous month. I am seriously considering defualting on this card. I am sooo angry.

I have recently had my credit line lowered not once, but twice by Juniper. They claim in their letters that 1. my balance to credit use is too high and 2. that my monthly payments are too low.

My balance is within the limits of the card. Secondly, my payments were without failure between 3,000% and 5,000%.

The result of such a lowering of my credit line decreases my credit score which then allows them to further decrease my credit. Thus my available credit to my balance never decreases and my score drops and the cycle continues.

If this is happening to you please contact me asap as I will be starting a class action suit.

I have also had the worst customer service experience with this bank. Absolutely no help and very rude. Other banks are courteous and helpful and always recognize errors and remove fees without question. I got the card through Apple's online store. Big mistake!

They hold online payments for 2 weeks for no reason and then charge late fees when the due date goes by. I checked the online statement and they received my online payment and credited it and it was deducted from the issuing bank according to its online statement, but the available credit doesn't reflect the payment due to "PYMTMONYHOLD" whatever that means. Now some other online purchases I made are getting declined. It's not worth using this card anymore and I've been very good about paying it off every month. I guess they don't want me as a customer since they're not making any interest off my $500. credit line.

thanks to you & everyone else, I never activated the card I received from Juniper.

Thanks to you & everyone else, for taking the time & trouble to describe your problems with Juniper

I have one of their mileage card, did a balance transfer recently for 3.99% for lifetime of balance, now received a letter saying they are raising account balance to 29.99%

Most unethical company :(

I have had many credit cards over the years, and this is THE WORST company that has ever been allowed to do business and call itself a bank! If I pay before the new statement comes out, it goes on the previous month, even if I have already paid the amount due. If I pay after the new statement, somehow it gets "late" and I get slapped with a $39 late fee and/or a over the limit fee. This is a vicious cycle that I can't seem to get out of, despite numerous calls and complaints. Their interest rate magically goes up, thus putting you over the limit even though you are paying every month at least two different payments. The only way out of this credit hell is for me to either default, which I don't care to do, or pay huge chunks so I can get rid of it fast and not have the danger of going over from all of their handy-dandy fees that make them rich and me poorer. I am a responsible person, but this company has me thrown for a loop - it's a "no-win" situation. I am sorry I ever got this card...pay attention to all the complaints..they are for real!! BIG SCAM!!! It will suck you dry :-(

Count me in for the Class Action Suit!

My Juniper Story

After getting my op-out letter from Barclays Bank of Delaware, the bank which puts out the Juniper Credit Card, I did a little Google searching and see I’m not alone.
I’ve been a member for a few years with no issues till recently. I started with a limit of over $1500 and an APR of 7.74% which was great because I was able to close out an account with an APR that had a double digit APR. I was charge a small balance transfer fee which I was warned about in the fine print but it still made financial scents to go with the balance transfer.

So as time went by had no complaints or issues till the last few months ago, which is now more like almost a year ago.

Back in the end of ’08 I was going through the process of being medically separated from the army which took a great deal of my time away. So before things got too involved I set all my cards, to include Juniper, to automatically pay of the minimum each month.

The minimum payments for Juniper were much less, about $50 less, than the current interest and account protection that was being charged to my account each month. Soon those charges made my balance higher than my limit. It wasn’t well in to the 3rd month of being over the limit that I was able to see just what was going on. And what I saw that even with my account being over the limit by almost $70 Juniper minimum requirement was twenty something dollars. So after $117 later in over the limit fees I paid down the amount to within a hundred of my limit and paid $10 over what the last charges to my account was. And only after about two payments of paying what was needed, Juniper’s required minimum, finally was more than what was being charged each month in credit protection and interest.
And just like most, Juniper’s Customer Service department was no help in refunding any of those over the limit fees or changing my APR back to the 7.74% it was before these over the limit charges occurred. There was no changing anything. My APR went from 7.74% to 11.24%, 11.24% to 26.24%, and 26.24% to now 27.24% in the course of a few months with no written notices to inform me of the changes to my account.

Now in August my rate will be no less than 29.99% but I now, for the first time, have the option to reject these new terms which will terminate my account leaving me responsible for the outstanding balance.

So that’s my Juniper Story…

Any feedback or suggestion will be welcomed, mrmike.e.mack@gmail.com

My Juniper Bank credit card account was assessed a finance charge that put me two cents over the limit. Juniper Bank charged me $39 for this two cents. I called to work with them, they refused and let me know they could charge me even if I went one cent over the limit. I closed my account, doubled my payment and attempted to get back on track. They raised my interest rate, assessed finance charges that put me two dollars over the limit and charged me another $39. I attempted to once again work with them, they refused. I doubled my payment and scheduled it online on 7/18/2009 for my due date of 7/31/2009. They started calling me on 7/27/2009 to remind me my payment was due on 7/31. This happened three days in a row, each time I pointed out the pending payment and they promised to remove me from their list to call. (My payment wasn't even due yet and they were starting collection attempts?) On 7/31/2009 my balance showed $1291.64. My payment was received by them on my due date in the amount of $80. This, with the finance charges of $22.77 would have brought me to a balance of $1233.41, which is under my limit of $1250. However, on 7/27, they assessed me another overlimit fee, which put me back over the limit before my bill was even due. They didn't post this charge until 8/4/2009 after my statement printed, so not only didn't they wait until after my payment was due to assess this new fee, they also made sure I wouldn't know about it until after the fact. They had promised me after the second over limit fee that I would not be assessed another overlimit fee as long as I brought my account back under the limit by 7/31, my due date, which I did. This third overlimit fee has put me back over my limit by $23. They are refusing to remove any of the fees. The fees now total $117 for $2.02.

After a ridiculous time fighting (and losing) a battle of a tripled interest rate causing my account balance to exceed the available credit and incurring not one, but two months worth of $39 overlimit fees, I can say I've been fed up with their service.

Customer service is horrible. After many attempts to contact their outsourced service by phone and email, they wouldn't even give me a physical address of their US location.

So, I took it upon myself to locate these folks. Here's the information for where us consumers can complain and get results:

Juniper (Barclay US) Bank
100 S. West St.
Wilmington, DE 19801
(302) 255-8000
(302) 888-0356 (fax)

and here are some names of interest:
Anthony Jenkins - Chairman
Joe Purzycki - COO
Kevin Murphy - Director of Customer Support
Tom Karinashak - Director of Customer Care
Joyce Walsh - Senior Director, Solutions Development

You will get better customer support from any other credit company.

I do all my banking on-line, monitor my balances carefully and no other company manages to charge as many fees.

I have cards from Chase, Citi, Amex, and BoA, all of which provide clear statments in regards to what fees are charged and more importantly, when fees are charged.

I signed up for the carnival mastercard while on a carnival cruise. I never received my first statement in the mail, and when I opened my credit card I found that I was 8 days late on my payment. I immediately made my payment online and called Barclays to advise them that I didn't recv my statement and asked them to reverse the $29 fee. They said there was nothing they could do because I knew my payment was due. No matter how many times I told them "I didn't recieve my statement. I had no idea that the carnival mastercard was through barclays bank because i signed up while on a ship and had no info." they still kept insisting that I could have signed up online and made a payment. Stupid people! I even talked to a manager and they said nothing i can do! I contacted the better business bureau and barclays reversed the fee.

So, due to the terrible customer service, I had my bank send a balance transfer to pay the carnival mastercard and close the account (this was on July 15th). at the same time, i also transferred another credit card as well. The other credit card posted the payment on July 19th - but of course as of today the carnival mastercard payment has not been paid off and they are giving me collection calls! Oh, and yes, they posted another late fee.

I've called them at least 10 times to dispute the payment, confirmed with them that the card number AND payment address that my bank sent the check to were ok. So, the incompetent people that work there told me to fax the proof over to them and they gave me a fax number THAT DOESNT WORK AT ALL! Called them again, they confirmed the number and told me i had to wait till they were in the office - i have to fax it during business hours. OK, so I do and the freakin number still doesn't work. NO KIDDING>>this is a true story! I could go on but I won't.... they are THE WORST BANK I HAVE EVER DEALT WITH....LITTERALLY!

put an OCC complaint in, you'll more than likely get results.... https://appsec.helpwithmybank.gov/olcc_form/

put in an occ complaint

https://appsec.helpwithmybank.gov/olcc_form/

Today I got a notice from Barclays bank that my 7.9% fixed interest rate was being raised to 12.99% variable. I have never been late, have never missed a payment, and keep the balance below 20% of my available credit at all times. My FICO credit score is 790 and has increased almost 40 points since it first got the card..

I could not understand why they were raising my rate after just increasing my credit limit(without me asking them to) last week..

I call customer service and was informed that they are raising all rates across the board because of the H.R. 627: Credit Card Accountability Responsibility and Disclosure Act of 2009.

This act specifically prohibits them from from raising rates without cause. So they decide to raise all the rates for no reason, before H.R. 627 goes into effect..

Stay away from this company...

We closed this card TWICE. Regardless, they charged their annual fee ($79.00)on a CLOSED card TWICE. Twice, we called them; twice we were on hold for indefinite time, twice we endured highly rude and unpleasant "relationship managers": in fact, both times we had to call back a few times and both times we had representative going to find a supervisor and "dropping" the call.

After twice apologizing to us for their ERRORS, they managed to send a report to Equifax stating that there was a late payment on a closed account with NO activity and no payments due.

DO NOT FALL A VICTIM TO THEIR PROMISES OF "FREE" MILES--THIS MAY COST YOU YOUR CREDIT SCORE.

SEND COMPLAINTS (c/c the same complaint) to:

1) Federal Trade Commission: https://www.ftccomplaintassistant.gov/

2) DE Dept of Banking:
http://www.banking.delaware.gov/services/complnt.shtml

3) US Federal Reserve--the guys that give them $$ now.
To file a complaint, you can:

* File your complaint online now. To file your complaint via fax or mail, download and print the consumer complaint form.
* Send us a fax at 877-888-2520
* Write to us at:
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

Over the last year I have read many complaints regarding Juniper Bank / Barclay's Bank Credit Card rate gouging. Honestly, I figured it was the writers fault for missing their payments or going over the limits. Afterall they broke their contract. Well, let me tell you, I got mine. I have never missed a payment, as matter of fact I double up on payments each month and pay well over the minimum requirement. I have never exceeded the limit. As a matter of fact I have done nothing wrong. Yet I received a notice from Juniper Bank advising me that my fixed interest rate of 7.99% will now be changing to a variable rate of prime + 9.something% going to an initial rate of 12+%. When I called to inquire about the change the reason I was given was that 'it's not a personal attack on me but rather a business decision due to the economy'. This is the lamest excuse I have ever heard for a corporation to rape their consumers. Enough is enough, these companies shouldn't be aloud to take advantage of people. I closed the account and will be issuing payment in full, this bank does not deserve to profit off of me. I encourage anyone who reads this to not send your business to this bank. They will take advantage of you to line their own pockets. Companies like this deserve to go out of business!

Same thing has happened to me, but they want to raise my rate to 23%! I have a 780 credit rating! I've been desperately trying to pay off this card with triple payments even, but they want to keep you in debt and make sure no one is ever able to pay it off. I had no choice but to opt out of the increase, which means they'll close the card and my credit rating will fall. However, I will still be able to make payments at the lower interest rate until it's paid off. Lesson learned: DON'T USE CREDIT CARDS!

Really by reading others reviews i believe that many people like to complain if they do not get there way. Really it is a FINANCIAL INSTITUTION. They issue credit cards and for the most part people really need to read the terms and conditions of their credit cards to see what they are getting themselves into. And people say they do which is a lie really. Most of the US does not read any type of contract. Then there are the people that think they are obligated to having a credit card which is not true. It is all based off credit history and what that FINANCIAL INSTITUTIONS regulations are for when issuing credit lines. SERIOUSLY PEOPLE, YOU ARE GETTING MAD OVER SOMETHING THAT REALLY IS ALMOST ON YOU BECAUSE PEOPLE DO NOT READ WHAT THEY ARE GETTING THEMSELVES INTO. ALSO BY THE WAY THEY ARE ALLOWED TO PUT A PAYMENT ON HOLD. THERE IS A FEDERAL REGULATION THAT DOES STATE THAT ANY FINANCIAL INSTITUTION CAN PUT A PAYMENT ON HOLD FOR 7 - 10 BUSINESS DAYS. Yes BUSINESS DAYS. I work in a financial institution (Bank) and that is legal for them to do. so some people really need to stop complaining about there payment being on hold or getting a change in terms because all of banks are doing it. Bank of america, citi, wells fargo, capital one. they are all apart of it. Quite frankly i feel that most people that dont know how to handle a credit card or atleast read the terms and conditions should not be able to have one because they are not being responsible and reading all account materials they recieve when opening the account.

I am sorry but you really must think the arkansas general is the ruler of any financial institution in the United States. Sorry but no. Not a single general is going to be able to close a financial institution that is known all around the world. maybe you should do some research on the companies before you go around telling people all they have to do is write enough complaints and 1 state attorny general will get them closed. I am sorry but i feel that you are in complete denial and you dont understand how big a financial institution barclays is. And barclays bought out juniper so maybe you should research that as well.

THIS BANK SUCKS. I just got hit with a late fee for paying my payments too early, what the heck. You would think that these banks would want their money on time and early.
I was told that my payment was credited to the previous month and not the current month. I hate this credit card company and if anyone says that this company is OK, just wait, you may be next. I am now paying a interest rate of 27%, robbery I tell you. I asked to speak to a Supervisor and was told that they were too busy. They will be speaking to a lawyer soon, I have two in the family. I think that we should all get together and form an alliance. I have excellent credit and have never had a credit card company screw me over like this one. My crime, paying my bill too early. I will make every effort to pay them off early. We must stand up to them and make our Attorney Generals earn their BUCKS. This company is like a VAMPIRE, sucking the blood out of you and leaving you financially dead. BE AFRAID TO USE THIS BANK, BE VERY AFRAID.

I wish I would have read my agreement or have done a little research on Google prior to accepting this account! Boy am I paying for it now!

DO NOT UNDER ANY CIRCUMSTANCES OPEN AN ACCOUNT WITH JUNIPER/BARCLAY BANK OF DELAWARE.

I was happy to have gotten 8.9%. I had a late payment once, they held an electronic payment and that was considered by second late payment. I ended up with an interest rate of 29.99% then they reduced my available credit, so they that I could reach my credit limit faster and they could start charging me over the limit fees in addition to 29.99% interest on the account.

I was told that if I made consecutive and timely payments, after six months they would review my account and lower the interest rate. After eight months and many phones calls to them, they lowered the interest one 1/4 point! Shameful!

In addition, every time I called and asked to speak to a manager, they would tell me that their managers were busy at the time. They speak like robots, going around in circles, telling you the same thing over and over again.

I was warned that if I closed my account, the interest rate would go up to 30.24% and if I opted out it would remain 29.24% for the life of the account until I payed the balance off.

How could they get away with this? Don't we have an attorney general for this?

I have had 4 operations in the last two years; lost two jobs because of it and I'm finishing up a divorce. I wrote to Barclay's bank and told them I am in a desperate situation. I have been sending them token payments in good faith and they still harass me by mail and by phone. I let them know that upon notification in California a creditor must cease and desist harassment. It's the only credit card I have and they don't seem to get it, so I'll just go bankrupt and use debit cards. I may also sue them under the Federal Consumer Protection Law through the Delaware Attorney General.

I too have or should I say had a juniper card. started 9.99% fixed, I was never late or over the limit. had card for about 4 years. perfect!!!! first intrest went up to 14.99% this I found out 2 days after the bill reflected such. Then the goverment stepped in saying they have to give you notice. Here it is aug. and they changed it again. flexible rate. I called it was late. I got a lady in the phillapines and kids were crying and talking in the back ground!!!! I canceled my card right then. I have to ask was she at home? with the kids and my ss#???? NO one would answer me or give me a number where I could speak to someone about this situation. A contract is a contract I did not break my end they should not be able to change it at a fart. Then I have to ask is this a bail out bank? Why
is someone on a small island handleing customer service for the usa? Why should we put up with this?? How many of us are out of work in the USA? I know I would do this job?
We are paying their wages through the intrest. The profits of theese companys was just on the news, I could not beleive the crock story thety gave me over the phone of why this was happening.I paid my bill too well!!! thats what my discovery card told me. When the dropped my credit
from 2800. to $300. Whats up with this?? They were asked if we were gonna fix this publicly or if they would like to do it privately. The response was none. All I wanted was to speak to the guy who signed my letter. NO was the response. SO here we are PUBLIC!!!!PUBLIC!! They made their choice.

well mr. banker what do you have to say about your private
info in a private home in another country. I called and a lady answered with a crying baby in the back ground and a toddler screaming mommy. On some island some where.
I agree if you break a contract then there should be a punishment. But If you are a good customer with a good track record there has to be some loyalty. without the customer there is no company. I say changes come with verbal exspession and negotiations.
I now all those job that they sent to the philipines
could make a difference in my town. MO has a very high unemployment rate right now. I dont think any of this was in the fine micro-script. Also I read my contact but I dont have 23 years of collage educataion to understand it as congress stated.
I can see no reasons for selling out the amerian work force or shareing our ss# with another country. Idenity theift is out of this world. so ship my personal info across the world that makes me really safe.

hi try this guy ceo of customer relations
TOM KARINSHAK
125 S. WEST ST.
WILLMINGTON DEL. 19801
THEY TOLD ME i HAD TO PUT MY COMPLAINT IN WRITTING AND THIS IS THE GUY WHO Gets the problems
rumor is this is the email address
pfrantz@barclaycardus.com

This bank is crooked!!! I was late once (my mom died suddenly and i had to be out of town). I wouldn't have been late either if they had not changed my due date quite suddenly! They were nice enuf to remove the late charges, but 2 years later, they raised my interest rate over 20%! After fighting and arguing, I paid off the balance with my husband's check over the phone. Got a confirmation email. Then 2 weeks later, they sent an email as if it hadn't been paid! We called my husband's bank (after more arguing with Barclay and them claiming it was my husband's account that was to blame) and barclay had never even tried to get the money. Barclay said it was our bank that had refused the funds!!! They are liars. The only way you get a supervisor is to curse and scream. I for one, don't care what the nationalilty of the customer rep is as long as their desk is in the US where I can file a police report if need be. This is terrible - i have never been treated so horribly and disrespectfully. By the way, i was no where near my limit!

BEWARE!!!! Barclay Bank will rip you off. I have perfect credit and got an offer in the mail for a 0% interest until next year. I called and accepted the offer and they told me my limit was for $10,000. We are in the process of remodeling and needed extra funds to finish our project. We knew we would be paying a $50 transaction fee to utilize this offer. However, in all the years I have been doing business with banks and have achieved my perfect credit, did they ever hold the transaction fee over your head included in your limit with them. In otherwords, if you took the max, you paid for the funds and the fee, but never was the fee included to make your credit limit seem like it was over. We were never warned that to utilize the 10k and once they added on the $50 fee, we would be over our limit. Again, I have never dealt with this kind of deceit. We always paid our fee and then our balance, but was never punished because with the fee we went over our limit. Now, they keep adding on $39 over the limit fees and by the time you realize that they have tacked on the over limit fee and try to fix it, you are into the next statement period and charged an additional $39. We paid our bill on time and the minimum stated and because they tacked on another $39 it took us over the limit again. Now, I receive a letter stating that since I have been over the limit, my rating is going from 0% up to 27.24% all because of their fees they keep adding on. We never took one penny more than what they stated our limit was, but because of all of their ridiculous fees that add up one on top of another that takes you over your limit. They fail to tell you when you sign up that you should only borrow $9950 because $50 of that credit limit is designed to pay the transfer fee. We walked in blind and thought the $10K was allowed and just would pay the fee. That is how all of my other cards are. Totally disgusted and needless to say we are paying it off and will NEVER bank with Barclay's again.

P.S. When I called to inquire about all of this, a lady in the Phillipians would not help me and I demanded to talk to a supervisor and was given to a man who also was not willing to help. I asked for a phone number of the US based Barclay's and he said he did not have one and they only communicate through email and fax!!!! They do not communicate via phone with any of their colleagues in the US. What a crock!!!! In otherwords, he was unwilling to help guide me to someone who could or would be willing to answer to theses atrocities in over the limit fees that they continue to tack on when not one time did we go over our limit, but all their ridiculous fees caused us to go over. I didn't get my perfect credit by being irresponsible with my other credit cards. I was TOTALLY floored by this bank's irresponsibility.
They have lost me and we are thinking of a lawsuit.
BEWARE!!!!! I can't state that enough.

I googled Juniper this morning to see if others have been experiencing the same or similar problems as my husband and I did. After reading all of the comments, I realize that we are not alone in having concerns about Juniper. In October, I sent what I thought would be the final payment to Juniper — over $600. My husband and I decided to do this due to the big hike in the interest rate we experienced recently. As I have done for the past 18 months, the payment was sent via my on line banking (through my bank), eight business days before the payment was due. According to my bank, payments to Juniper needed to be sent five days in advance. I allowed an additional three days just to make sure it got to them on time. Last night we received two phone calls from Juniper saying that we didn't make a payment in October. We also received a statement that didn't show our final payment as having been paid and of course because of this, we were charged a $39.00 late fee in addition to finance charges at 27%! We explained to them that the final payment was sent on 10/16/09. They told us that they did not receive any payment in October and therefore, a payment was still due and a late fee was assessed. We checked our bank and could clearly see that the money was deducted from our account on 10/16/09. We inquired further to learn that Juniper "cashed" the money on 10/27/09, one day before it was due. I'm sorry but I just find it too ironic that our final payment, the payment that means they will no longer receive finance charges mysteriously does not post? It seems to be a very deliberant move on their part in an attempt to collect more finance charges and an additional late payment fee. When we called customer service, we get a million questions to verify information that they already have on file. Very annoying! When we finally get to the part of why we called, she listens only to tell us that they didn't receive payment and that we need to send them a copy of our bank statement so that we can prove we paid it! We asked to speak to a supervisor. He was nice enough, told us that he was putting in a dispute claim that would take five to seven days. He then had the nerve to say that if we don't hear from them within seven days, we were to contact them. I told him that as far as we were concerned, we made the payment on time and in full and therefore we consider this issue to be closed and that I expected to hear from them within seven days. I still can't believe that a customer who paid the balance before it was due has to go through their hoops to prove it was paid. I don't believe that they can't see it was paid. I will never recommend Juniper credit card to any one. Not ever!

My situation is exactly like{ plasticman62}. I too paid my bill before it was due and for more than the amount more , and my reward for being a good customer? a $39 late fee and jump from an intro rate of 0% to a default rate of 25.24%! As for their " relationship manager" a flat and oft repeated.." we are only following bank guidelines and can not waive the fee" Her supervisor had the same story, gave me "Executive Offices" address to write to. After finding this site I guess it won't do any good to even try.It seems they are all on auto pilot.I will certainly tell anyone I can to stay away from this bank.