Barclays Bank/Juniper Financial

I wholeheartedly agree with the sentiment in many of these posts. We had the misfortune to become Barclays customers when we signed up for Apple credit. We now feel that Barclays is a company that tries to fleece customers with unjust fees by any means necessary. Here's what happened. In order to make sure we're never late on payments, we pre-programmed our bank to send in all payments according to the schedule in the contract we originally signed with Barclays.

At some point, Barclays raised this payment by $5 without notifying us (although they claimed they did). We were immediately assessed a $25 fee, despite sending in the $5 difference on the same day we learned about it. But no amount of pleading would get them to reverse this fee. Their attitude was, "Too bad. You signed a contract and it was our right to charge these fees. Just read fine print. It doesn't matter what's fair or what your intentions were. We got you on the fine print and we'll stick it to you." (I'm paraphrasing, of course.) I would think that they would value the customer enough to not lose them over $25.

On a somewhat related issue, I've already complained to Barclays that payments made to them electronically take much longer to post than to any other financial institution we've done business with. We're used to electronic payments posting within 24 to 48 hours. At Barclays, it could take up to a week. Unfortunately, we weren't able to find out whether this is a result of incompetence or done deliberately to rack up more fees. I really hope Apple drops Barclays and finds a company with integrity and the customers' interests in mind.

I paid off my account on 1/13/12 and four business days later, I noted that they have not yet closed my account. I called them three separate times to ask that they close the account and finally on 1/23/12 (twelve calendar days after they were paid), they sent a letter with a total balance due the difference between the amount I sent them and the payoff letter is interest and fees which they have added unto the account on 1/252012 (eight business days my payoff check was cashed).

During the same period when my account was supposed to be off, they charged me interest and fees. Having realized their zealousness, they reserved the interest fees but still charged me for the fees. However, both the fees and interest are derived from the total amount owed according to their statement. I paid the fee as soon as I received their statement in April, but they claimed that the fees were paid late and, therefore, I owe them the fees plus late payment.

I spoke with a supervisor on 5/1/2012 and the lady, having put me through repetitions and trying to get me understand that they were doing me a favor, offered to made a deal to pay the late fees because according to her, the bank has already helped me by waving the interest fees on an account with zero balance, and more importantly one that should have been closed on 1/13/2012. My take on this is that Barclays Bank/Juniper engaged in consumer rip-off and scam in order to get more money from customers whose accounts are supposed to be closed. I am sending this matter to my state attorney general's office for action.

When I closed my account with them, I also closed two other accounts. Surprise, surprise: the two other credit cards closed my accounts and I have not had any problems except for Barclays Bank/Juniper. When I brought this to the attention of the lady I spoke with, she tried waving that away as different from how Barclay Bank/Juniper does business. I refused to be shafted by Barclays Bank/Juniper I have paid them what I owe them and refused to give them any more of my money. Documents will be made available upon inquiry to verify facts related to this matter. Thank you for reading.

Barclay decided to inform the account holder they are changing the terms. Nothing wrong there. However, they were sent a polite letter asking for clarification on several items in the new agreement - payments always on time, never over the limit, etc. What did they do? Closed the account. Granted, they have the right. Problem is they were informed the letter was not saying their new terms are not acceptable; therefore, they are to close account.

I made 2 payments recently using their website. Both amounts have been ACH'd out of my account and into their account. They have credited the money to the account, but have held the money and not made the card available for 7 days at this point. That's the first payment. When I spoke with the card, the associates answered they were holding funds because I made a large payment. When I questioned this, I got a different response stating that they were holding funds because I made a second payment within one billing cycle. Again, I questioned this and was told funds would be available today, 4/20/2012.

I was not surprised to find out they lied again and the funds are not available to be used. I have a negative balance on my card. The funds have been withdrawn from my bank account; both payments have cleared my bank and were taken directly from the bank by their bank using their website. So, therefore, I question how they can hold my funds and make them unusable for such a long period. This is not the first time this has happened. We use the card for the miles and are regular cruisers; therefore, it gets paid off quite frequently so we can build up the miles. It seems they realize this and try to make the funds unavailable. I would highly suggest staying away from this company as they have no customer care or concern. It's all about them and their money making and nothing about you the consumer being able to be helped or satisfied.

An online payment was made on 3/30 or 3/31. After I made the payment, I realized that it has been a while since I made a payment (payments are being made by a financial debt management agency). I checked for bank information and updated this information. This payment was returned for NSF due to the previous listed banking information was outdated. I telephoned Barclay to verify my updated banking information and stated what had happened. This payment of $20 was processed again through the outdated banking account. I faxed bank documents to the Customer Care Department. I have not received any information from this Office. This same $20 payment was processed two more times! This makes a total of $140 ($35 ea.) charged to my banking institution for NSF.

I again faxed documents to the Customer Care Department for review of the four charges. When I voiced my complaint via telephone, no one has any answers. When I stated that the documents have been faxed, I was told that this information was not available for their viewing. My complaint has fallen on unconcerned and non-caring employees. No one has tried to resolve my issue. These charges have placed a financial burden on my finances. I'm making every effort to pay by creditors.

No consequences! I have never received two $50 coupons promised for two years in a row now. I have called and called and talked to different representatives and as of yet, I have never received a promotion benefit from Barclay's Bank. When I joined Barclay credit card program, I was promised these promotionals, including two free round trip airline tickets after the first year. I have two credit card with them, one being a personal card and the other being a business card. I have never received anything from either card, except monthly statements and have always been up to date in paying off the balances on both cards. This last year, I used the cards a lot for big purchases and was only rewarded the standard point for rewards. I only get the runaround from both Airtran Airlines and Barclay Bank. I may just cancel both cards if I don't get any satisfaction from them.

When we applied for the cards we were told they would have 25,000 points. When we went to redeem the points, they only had 5,000 points. I won't deal with companies that use these type of tactics to get business.

Barclays bank Delaware - I took 3 cards and consolidated all 3 cards withholding them. I didn't have problems till the last card which I made my last payment with. I thought every thing was ok--until I started getting bills from a person saying it wasn't paid. So I call Credit Solutions up and they said it was taken care of, until I talked to a lady months later that told me everything was finished on my account. I made all of my payments to them. They didn't do their part at the end like they did for my other two bills. Now, years later I'm still having a problem. And every time I call Credit Solutions, I never get through. For days now I have trying to call them for an hour each day and they won't answer! I need to get this settled. Thank you.

I recently called to inquire why I was charged $47.41 for interest for the month of February when I made a payment of $2,000 on 2/6/12. The interest posted after this date on 2/10/12. I also inquired about a possible lowering of the APR and I was really frustrated with the way that a lady from their office spoke with me. I was told that I was on the "late pay" list or such since I had missed some payments. The fact is that I have had this account for several years now, and the only payment that was ever late was last November when I did not receive the statement. They contacted me and I promptly made the December payment along with the charges for November, etc.

I asked to speak with a supervisor and he argued with me about the same thing. I told him to tell me the other payment I was late on and he couldn't because there isn't one.

I am very unhappy about the lack of professionalism with their employees and I thought they would be more appreciative of a $2000 payment from a long-time customer, but instead I am treated like some irresponsible person. I could've easily used that $2000 for another bill or something else.

It's not limited to Juniper, but all of the banks that are treating customers like this will be the ones without customers in the long run. I will never, ever do business with Juniper/Barclay Card, whoever they are, again!

On 12/9, I transferred my balance to Bank of America because my promotional period was ending on 12/13/2011. According to BofA, the transfer was on 12/12 and Barclay deposited the funds on 12/13 (which is when my interest starts with BofA). Barclay claimed they did not receive the transfer until 12/13 and they have 24hours for processing and they did not deposit the funds until12/14. They then charged me all the back interest and late fees ($265). When I called them, they and stated BofA guaranteed Barclay cashed the funds on 12/13. They reduced the balance to $60. I have paid this in order to stop the phone calls daily and have told them it was disputed. I want them to reimburse me the $60, however, they declined. This was a promotional offer from Apple and I have had nothing but problems with this bank. They do not tell the truth or do what they promise. What are my options?

I paid off the credit card balance with a balance transfer from Bank of America. They received the funds before January 13, 2012. The balance due was on January,13,2012. I have a statement from my bank asserting the funds were received by January,13th, 2012. Airtran; Barclay states they did not receive the funds until January, 14th, 2012. I was charged a month's interest because they considered the payoff received late.

I have been with affiliated Barclay's bank through the use of their LLBean Visa for over ten years. We had financial trouble and missed a few payments which caused them to raise my interest to over 28%. This put us in a negative am situation. The payment of 2% of the card each month was exceeded by the amount of interest being charged. We called to set up a settlement. We agreed on a settlement but since the down payment was so high, we wanted to start the following month. We were willing to pay the payment for the current month. They yelled at us and hung up on us. It will be a pleasure to tell everyone I know including Facebook friends what horrible people and practices reside among the Barclay's back org.

I just closed my account with Barclay fun points today. I communicated with someone over the phone when booking a cruise on Carnival last month and the site provided feedback that my cruise would be paid for with my 125,000 fun points plus. Find out today I was mislead and lied to. Half the amount was credited to my account. I have never dealt with such a misleading company as Barclay rewards and Carnival. I'm retired and when I fill like I'm getting screwed I fight back. I will spend the next few days bad mouthing your company to the best of my ability. I have to think that the accident off off the coast of Italy was Karma for your company. I will do my best believe me to discredit Barclay and your cruise line in the coming days to the best of my ability.

I received a letter in the mail from Juniper Credit Card advising me that I could qualify for a lower interest rate by transferring my current credit card to theirs. In order to verify how much I would be approved for, the letter gave directions to apply online on Juniper's website.

I filled out the application online and once submitted was told it would take a few moments to process. Once the screen refreshed and they showed my results, it stated that I did qualify for their credit card and quoted a transfer amount they would take, but it was not for the entire amount of my other credit card, so I declined the offer.

Within moments, I received several emails to the address I had to give in order to fill out the online application stating that I was approved for the amount. It also stated that the card was now active and that they were in the process of transferring the amount of money from my other card to theirs. I called their customer service immediately and told them I did not want their card and that I had just filled out the application but didn't qualify for the amount I wanted and was not interested in signing up.

They advised me that it was already too late and the card was active and the transfer process was already taking place. I began yelling at them and demanding to speak to a manager and got the run around by several people who clearly worked overseas and were very difficult to understand. They told there was nothing they could do and that the account was opened and I was stuck with it. I begged them to cancel the transaction and told them this was going to put me in a horrible position financially but they refused to cancel the card and put me in worse debt than I was already in within seconds.

Now I was stuck with two credit card payments and interest rates doubling my debt. Within a few months of the card being opened they increased the interest rate making it impossible to pay off the card. I was making more than than the minimum payment on both cards and not seeing my balance lower at all each month, so I stopped paying on them out of frustration. I couldn't afford to continue paying so much money without my balance changing.

I have been harassed over and over again by Juniper and I am now trying to make payments to them as well as the original credit card holder on a monthly basis. But I lost my job and I'm trying to put myself through school, so thanks to this company I will be in debt for a very long time. If I had not filled out their application I would have managed to pay off the original credit card and would have been debt free, but now I am in debt for a long time, thanks to them.

I have been contacting Barclay's officials since 2009 to cancel the card however due to one or the other reason, they are avoiding this and on a purchase of Rs3000, they have added up so much interest that it's now become more than Rs30000. Below is the recent mail I sent to them.

This is not the first incident of your lapse in service. Without my consent, Barclaycard Priority Circle membership was activated on my account when I raised the complaint on Feb 9, 2009. It was canceled and I got confirmation on February 24, 2009. In my mails, I clearly mentioned that I never said I'll not pay the money. Every time I was willing to pay the money and every time I requested to provide the details to me. After speaking to Arif, I am 100% sure that he had not listened to any of the conversation I had with your Customer Service Department or Collections. Even though I have requested it several times. I even mentioned in my mail that don't be hurry in responding back and please respond after reading all emails and still for the sake or responding back, he wrote one or the other things and missed out many vital points which I have raised so many times.

It sounded like Arif and Ravi were trying to put the blame on each other's department. Arif was focusing more on Jaspal's communication and Ravi was concerned about your lapse in service. Arif, you were arguing so much but you have not even read my mail dated October 15, I clearly mentioned that Sayed from your organization had called me and he clearly mentioned that Jaspal is still working for you guys. Sayed even confirmed that Jaspal had forwarded his communication with the senior also and same is reflecting in your own system. So why are you denying it?

Even Ravi said that Jaspal might be from telecalling team but you were so adamant that there is no one with such name in your organization; you didn't even bother to check. Even if you outsource any department of your organization, still the liability lies on you. You cannot put blame on the outsourced partner that you are not aware of it. Especially when you are there to resolve customers complaints escalated to your company. This issue is not that you have received the 5k paid by me and is settled against my credit card. It is how you received it. Because I made the payment only on Jaspal's request.

How can ypu ask me to provide proof in writing. I would have collected proofs if I would have known that you'll make things so worse for me. It's not only about Jaspal, it also about the pathetic services you as a company had provided. And don't use the word "settlement" as a weapon to fool around me. I was not desperate for any settlement as charges were not clear to. However, just to get some peace of mind I agreed to settle the matter but you guys don't want this hence, you are still dragging the issue so that you can keep on charging interest on me by making me fool. How do you expect me to know your internal process? Why am I supposed know what is collection and what is customer service or who is from telecalling? You should take care of your internal process.

In spite of asking bill details so many times, I never received it. Okay as per our today's conversation, I understand that there was lack of understanding at your end hence you were sending me same bill again and again and not the itemized bill in which I was actually charged for my expenses. But when you saw that, instead of sending the bills I am complaining about the same issue, why didn't you call me to get clarified what exactly I am looking for. How long does it take to pick up the call to get the issue clarified?

Instead of accepting your fault I was shocked to see that you have the audacity to ask proof from me. You provide contact numbers of the collection people so that later, you'll blame the customer for not providing proof. You provided me contact number of Sunil, but have you checked how many times he responded to my calls? You are the service provider and you ask customers to contact your people. What kind of service is this? You expect customers to know the number, name, designation of the person with whom they are speaking to even though they are working for your organization, And also ask for proofs. Weird isn't it?

As per today's conference call between Ravi, Arif, Rajiv and myself, I'm forwarding below trail mails for your reference. Your communication clearly shows that there is a huge communication gap in your own organization. I mentioned earlier that I am into projects and I have to be on tour all the time. Having trust on the companies, I don't really bother to check my credit card statements on regular basis. I marked a mail to you in 2010 stating that cancels my account. Did you answer that? And since then you are adding interest on my card which I have not used since ages.

I just opened an account with Barclays Credit Card. My charges were close to $1,200. I wanted to keep my credit in good standing, etc. I emailed them to let them know I was sending a $500 money order, which they have received. But instead of applying it to my account, they have it on hold till the date the funds are actually due. In the meantime my available credit is $20. If I go over, etc., then they will tack on late fees,etc. I have never heard of such a thing.

I had just made a payment by phone on time. Two days later, I was checking on my bank balance, and that is when I found out that an amount of $56.00 was taken out of my account, without me knowing about it. I had called Barclay's about it. I was hung up on, several times, when I was on a land line. Once I was on my cellphone, I was finally able to talk to somebody. All I got out of them was, it was a legal transaction, and that it was my bank's problem.

I knew that it was not so. But I then went to my bank, and filed a complaint. Barclay's did put the money back in my account, but then I found out on my next statement that they charged me $27.00 for them doing that. That is fraud. So if there is lawyer out there wanting a clean cut case please contact by phone. More than willing to file a class action lawsuit or a private one. Thanks.

I closed my account with Juniper because they raised the interest rate and started charging an annual fee. I have initiated a balance transfer with another card, but used the wrong account number (the number was changed due to a fraudulent charge). Their customer service assured me the numbers were linked and the transfer would be credited to my account, this has not occurred yet, but the card I transferred the balance to told me it cleared yesterday. I saw by my statement that tomorrow is the date when new interest charges will be added. Shame on them for delaying the payment so they can add more interest. I will pay this card off ASAP and never will I do business with this company again, talk about fraud. I better see the payment applied ASAP, I am willing to take this as far as I have to to get satisfaction.

It is just this type of ** that has started the occupy movement, fat-cat corporations getting rich off the backs of honest folks like myself. I have no problem paying interest for borrowing money, I have always paid my bills in a timely manner and do not expect something for nothing. This is over the top, whatever happened to customer service? Thank you.

My husband is in the Air Force and by law under the Service Member's Civil Relief Act (SCRA), he can't be charged more than 5.9% interest on a credit card. He is an authorized user on the account so we tried to engage the SCRA interest rate. They told us initially that he was changed to the primary card holder for the account. They then told me to call back the next day to change the liability from myself to him. When he called back the next day, they said that this was no longer possible. They said the only way to make him the primary account holder was to open an account himself at which time they automatically started trying to get him to open an account.

They have done everything in their power to try and keep him from being the primary account holder so as to avoid changing the interest rate to a lower one. When asked if we could speak with a supervisor, it seemed as though they were trying to avoid that from happening. They either said he/she was busy, "just entered a call" or that it might take 20-30 minutes. He said that was fine and then they came back with "even an hour?" I know these calls are recorded and if so there is a strong case for negligence and unscrupulous business practices taking place here.

I applied for a credit card during a cruise because they were claiming that usage of the card would get me sea miles to use for free cruises in the future. Carnival cruise opted to bill the credit amount on the Barkley card, not the one that I gave American express for payment prior to getting on board the ship with my whole family.

I never received a bill because according to the representative, the bill was mailed to the zip of my office and not my house, which never got to me until I called American Express and questioned my bill which was not received. I called Carnival and was told that I should call Barkley Bank. I called them and found out that the amount due was billed to them. I was on time. One day prior to the bill due, I wrote a personal check for the full amount and mailed it by way of the US post office. I paid the full amount owed on time with personal check. It was cashed by the bank.

Several months later, I was told that I was late and had accumulated a $250 debt for late payment and penalty. I called the bank was transferred to collection agency. I explained that I never got a card. I never activated the card and I never signed a voucher for expenses on the credit card. I finally gave in to the fraud because I was applying for a loan and did not want to hire an attorney which would cost me more than $100 to fight. I paid the collection company $100 in full payment for the false fraudulent debt that they said I had with Barkley Bank. I was turned into the credit companies ratings that I have defaulted on the debt.

I called the bank and could never get anyone other than the collection agency. On 11-3-2011, I was finally given the number of the card which I never received nor activated. I was told to write to TransUnion, Experien, and Equifax a registered letter demanding that they take off the claim that I defaulted. This would take 90 days and would affect the present application for a home refinance. I lost 3% cash back from my American Express card and mileage points. I lost $100 to settle the dispute, and on top of it all, I got my credit rating of excellent to average. This Carnival & Barkley bank are fraudulent, and because of the incident in the credit company, my loan will cost me more if I would have a great credit score which I have had and protected for the last 50 years.

My experience with Juniper/Barclay has been very disappointing. I closed my account in 2008, have been making payments and have requested several times to have the 29.9% interest rate lowered. After speaking with several so-called representatives, I was informed that if I were to make timely payments for a period of 6 months, I would be able to get the rate lowered. Well, guess what they now have informed me? That I cannot get that lowered and to try back in another 6 months. Worst credit card company I have ever dealt with in the last 30 years.

My husband was laid off for a very long time. My Juniper card was always paid. Finally, I could no longer keep it up and called for assistance. I had 2 cards, a Visa and a MasterCard. I received an offer of a settlement, which I took. Payments were set up to automatically come out of my checking account over a period of 3 months and then it would be considered paid.

I continued to get bills and calls. When I told them about the settlement, they said that they had no record of it and that it was only a plan to get me back on track. She continued to ask me if I would like to make a payment to prevent more fees, to which I said, "I am not giving you another dime." Thankfully, I had all my paperwork, but when I began to go over it, they had set it up under one account but had sent the money to the other account. Nowhere do I stand! I had set up the other account to do the same kind of settlement for $116.00 a month for 3 months and found that it was a scam too!

I did a $5,000 balance transfer in late August to another card. The other card has never received it. They say that I should ask by what means the transfer was made by Barclay. I have made numerous calls to Barclay with promises, and now, I have 3 case numbers and a letter saying that the transfer was complete on August 30, 2011, yet the other card company, The Great Indoors MasterCard, has never received it. I don't know what to do at this point. What legal counsel can I get to get this solved is what I am pursuing now.

I closed my account in July 2011 with a zero balance. Then the next month, I started getting harassing phone calls saying I still owed them money for fees. I spoke to a customer service representative, who said they would waive all fees, and I didn't need to worry about making a payment that my card would be at zero balance and closed. Then today (September 28), they called me three times throughout the day. They claimed that I still owed them $51, and they had absolutely no record of any of my previous calls. After arguing with them for over an hour, and they threatened that if I didn't give them their money they would ruin my credit, I caved in, and gave them their money. I would never recommend this bank to anyone. The worse customer service on the planet!

I ran behind one payment. I called in advance of the payment being late. I was harassed for 30 minutes while trying to schedule 1 and only payment. They kept saying that I had to commit to additional dates and payments in the future which were not yet due. They said that they wouldn't finalize my payment arrangement unless I agreed to do what she wanted. More recently, I tried to pay my past due amount by automated teller. It was rejected unless I paid the additional amount that was not due until Oct. 5th. They said they would connect me to a rep. I was disconnected after about 7 more minutes on hold. They are making it impossible for me to pay any amount towards my debt. What can I do?

I filed ch13 bankruptcy in 2008 and listed Juniper/ Barclays Bank. They were notified by the courts and failed to respond and submit their claim. The courts gave them six months to do so.

Three yrs later and several threatening calls from third parties, now they have started harassing our grown children with threats.

These people are violating every law there is and the sad part is, they're getting away with it. Under the Bankruptcy Protection Act, they are not supposed to contact you, but they do. Where is the justice for those of us protected by the courts? People should stay away from crooked companies like this.

Bait and Switch? I was about to purchase a new iMac for $2600 and I saw the Financing Available (in red) so I clicked on it and up pops the deal. No interest for one year if you use a Barclays card. Cool, so I "Apply Now" right there in the first area that popped up. I filled out the application and I'm approved. Although I had to give them some more information, no big deal so I made the call and explained exactly what I am planing to do: Use it for the free interest in plain English to the Barclays agent I am talking to. So he told me just go to the store and make my purchase and the Apple salesperson can call Barclays and get approval since I won't have my card yet. So I zipped down the next day and voila! They never heard of such a thing at Apple, so I spoke to the store manager who speaks to the manager at Barclays. What do you know, the charge is approved. Great right?

Wrong! They sent me the iTunes card (black) as opposed to (white) that I would have had to scroll down to find and for which I get iTunes points but no free financing. I called Barclays to be treated rudely by Nicole who swore that I had filled out the wrong application. Well Golly Gee! Wouldn't you think the agent who took the extra financial information who I told I was using it for the free financing might say something? Apparently not! So back to my rude Barclays agent Nicole who told me it's my fault and there is nothing she can do about it and she said it with real attitude. Up one level to her supervisor who said the same thing but that if I apply for the free financing credit card, she can move the charge to it and wave all the interest and fees. Then she told me this happens a lot! Hmmm, sounds like they have a bait and switch problem to me. So I ask you, if an honorable company puts a link to "Financing Options" and then includes a card with iTunes points and no free financing, and then supervisor clearly states that a lot of people all mistakingly apply for the iTunes card in "error" maybe (just maybe) Barclays has a "small" bait and switch problem?

So I have applied for the white card and hopefully this will get sorted out. Beware of doing business with companies that operate this way. I'm really surprised that Apple uses Barclays for their financing when there are many reputable financing companies they could select from.

I have recently paid the last of my credit card bill for $150.00 using auto-pay on 13 Aug and cancelled all future payments on 15 Aug. Since the payment was cancelled, all of my previous recurring payments should also be cancelled.

Now, the customer service department is claiming that they don't have any record as to when I canceled the payment. After trying to get a supervisor on the phone and after calling three times, no customer service representative was able to fix my problem and give me a sufficient answer to my problem.

This is hands down, the worst credit card I have ever had. Ironically enough, the first one for which I've paid a yearly fee! A "hold" was put on my account multiple times (thus, I could not use the card) due to suspected fraudulent activity. None of the charges proved to be problematic. What good is a CC if I suddenly can't use it when I need it? Each time I had to call them and verify the charge. Then, when a fraudulent charge did appear, I reported it. NO ONE at Barclays told me that they would cancel the old card and replace it with a new number. I found that out when I could no longer use my existing card.

I called Barclays and they told me they would then send me a new card; then they charged me a $29.99 fee for it! I was furious as the representative I spoke with assured me that any charge would immediately be credited and that I would not have to pay for this new card due to all of the trouble I've had with the account. So I called again today and spoke with yet another RUDE customer service representative. She told me that she would take off the fee (we'll see), but that would only apply to the next billing cycle.

I cannot take the amount off of this bill. If I don't pay the statement in full this month, I will be charged a ** finance charge! I'm SO looking forward to CANCELING this card. FYI: Almost every call has resulted in talking to a person with a heavy accent. I have no idea where their call center is but it's likely not in the US!

Inexplicably my credit card payment (which is on time) was applied to another person's account. Then it was put a hold on (my card) without notifying me for "nonpayment". It was a massive headache to try to sort out, with the worst customer service that I have ever experienced from any company. When I wrote the president of Barclays to complain about the poor customer service that I had received, unbelievably, their only response to my call was to berate me for not having direct deposit from my checking account. I have run a large business for over 20 years, and this is the WORST company that I have ever had the displeasure of dealing with.

Barclays Bank of Delaware is a rip off. Everyone should be very careful with them.

I have requested this company to stop contacting me, however, they keep contacting me on a daily basis. Furthermore, the company will continuously contact me throughout the today using my cellphone, my home number and my parents number. They will call me on Saturday and Sunday. To make things worse, they contacted about six times on Easter Sunday.

I have spoken to the company that I am working with a third party debt repayment company to help pay the bill and I was told that will be fine and the calls. They should not call but yet they are increasing.

First is the phone calls should not be made to my parents since I no longer live at home. I have changed my number so there is no reason to be bothering my my parents. My parents are disgusted starting at 8:00 am to throughout the day, including their weekend. They told them numerous times that I no longer live there but the continue to call.

Second, they are now bothering me at work because they are always calling my cellphone. It causes me to drop everything I am doing and disrupts my work and co-workers.

They are now ruining holidays for me and my family. I cannot enjoy my time on special occasions and weekends. I am slave to these phone calls and no matter how many I request them to stop, they continue.

I have now had five conversations trying to close this account completely and have been unsuccessful on all five. It comes as no surprise to me that I continue to owe money on the account and no supervisor will take the call. The first conversation was on or about March 10 or 11, with someone who told me that I could not pay the balance in full upon first payment because it exceeded the maximum allowable payment at that time. I said that it was my intent to close the account and needed to know how to do it and the answer was to make two payments. The second after the first had posted to my balance and to my account. That I did. I then called back upon having made a full payment of the balance (not the statement balance) and requesting for a second time the account closing and the operator said that the account would close.

I then had a third conversation upon verification of the payment clearing, when I saw that the annual fee had been charged to my account. A ffull month ahead of time I might add, and the conversation was again that I wanted the account closed and I had no intention of paying the fee. I was told the fee would be waived. Now the fourth conversation with another less than helpful and cooperative team member, telling me that I had accrued interest charges on the account from its being open and the charges were valid. Again, I explained the time line dating back as far as the beginning of March and that was of no consequence nor would or could she confirm (very conveniently) that the conversations I mentioned, happened the way I described and that the interest charge was valid.

Again I asked to speak to a supervisor and again I was not allowed to speak to one and was told to call back on Monday @ 8AM to speak to someone. The fifth and final conversation was just this morning with a team member when I called at 8:00 AM as instructed and not surprisingly no manager was to be found available to take the call. She further said that she would put the request through for a supervisor to call and I said that this matter should be marked urgent and that if anyone of any position had not called by 10:00 or 10:30 EST I would not be the least bit surprised. Imagine my shock, it is now 10:30AM and no phone call came.

The sixth conversation found me still having to pay the interest payment. I did so and then reported this to the BBB of Delaware.

This whole experience is completely unacceptable and not only shows a complete and utter lack of care and concern for customer service but plain outright robbery and greed on behalf of the Barclay's and US Air companies.

Be assured that I will make it my business to inform everyone I come in contact with, everyone I know, use every resource to see to it that I make my side of the story known and that it is my opinion that neither US Air nor Barclays card services have a credible business or customer practices, and further that both should be investigated by the better business bureau and any and every other consumer watch dog group available. Lastly, I would also like it know that I will never again be a customer of either company.

On December 31, 2010, Barclay's Card Services posted a large number of checks with the wrong payment coupons. When I noticed that they did not credit my payment, I advised them of this on 1/16/11. Their call center in the Philippines is unhelpful. (All phone numbers on the statement lead to this call center.) They said I had to mail them a copy of the check, front and back, which is impossible, since they are electronically presenting the checks.

They mailed me a document purporting to prove they posted my check correctly. It was someone else's check and account, but they were too stupid to notice this. I contacted this individual to advise them of the violation of their financial data (Juniper acct #, Wells Fargo account #, signature, etc.). That is how I learned that her check went to a third party's account.

They have never responded to any written disputes. They charged me a fee for not paying in full each month, but I had paid in full. They charged me interest, then deducted too much. They are **. They don't do math. They only have overseas representatives. Those representatives don't understand electronic presentation of checks.

Barclay's Bank is a criminal enterprise, as far as I can determine. They are electronically presenting checks carelessly. They disclose your most private financial information. They do not comply with their own Terms of Service or with US laws. I will have no further dealings with them. There must be many other victims out there, and I was never made whole.

I Booked a trip on Orbitz using my Barclays Mastercard. The website stated the property was a 4 star property that I booked. When I arrived there were many problems with the room. The smell of ammonia or some strong chemical was so bad. I had to sleep with all of the windows open in the second room that they moved me too. When I returned, I contacted Barclays and told them that I was the victim of a bait & switch scam form Orbitz.

They told me to send them my statement of facts and the photos I had taken to support my case. Barclays closed my case without even contacting anyone to verify my claims, two weeks after I sent them the information that they requested. They did not speak to anyone! When I called them to ask why, they did not return my call. I waited for 2 weeks, and called back, only to be told again that someone would be in touch with me in 48 hours. After waiting on the phone for over 35 minutes, for the second time.

When I spoke to Debbie ID Number **, she told me that since I did not leave the resort, that there was nothing they could do. She also mentioned that I was offered a certificate for my complaints by Captain Olivers Resort, which I refused. When I asked her if she knew what the certificate was for, she said no. I guessed it was for a discount for a future stay. I told her no, the certificate was for a free lunch, which I declined.

Hardly fair compensation for a room which I prepaid over $200.00 a night for, in which the Air Conditioner didn't work properly. The showers had such poor water pressure that I had to hold the knob in the on position for the shower to work at all. There was black mold all over the shower areas, along with several loose tiles in the bathroom area. Hardly, a four star resort!

I have Barclays Bank credit card! I never a missed payment, never a single late payment. I used the card 3 times a year and paid balance in full within 2 weeks. I received a letter informing me of a credit line decrease. I then called and inquired why they were reducing my credit line by 60%. I was told by someone who did not speak English well and had a hard time understanding my English that my account fit into a "certain risk category", resulting in the decrease. I asked when was the last time I was late or had missed a payment had occurred. "Never," was the response. I asked what my balance was. "0" was the response. Then I asked "...and you will still reduce my credit line? " The answer was "yes. "

No problem, I've kept the card for over a year more. Charged $10 per year on it and paid it off within 2 weeks. No interest for you, Barclays. I kept it to add to the longevity part of my credit score. Credit is now great. I called them the other day to cancel. My call was transferred to the "account recovery" department and they asked why I was closing the account. My answer was literally this, "when I needed you to help increase my credit score, you reduced my line (and thus my available limits) and hurt me despite a perfect payment history. Now you need me more than I need you. Close the account now. Now. Right now. "

They complied and I shared a last bit of information with them, "I own a home and need to re-finance. I will ask my mortgage broker to make sure that my new mortgage is not with Barclays. My wife owns a separate house and she needs to re-finance, too. This won't happen with your bank, either. No joke, we are jointly purchasing some investment real estate in about 6 months. We'll need financing for it. Trust me when I tell you that Barclays will not be the lender. You reduced my credit line a year ago to save yourself risking a couple hundred dollars at my expense. Now, you'll pay by not having hundreds of thousands in mortgage interest come to you. "

The representative was speechless literally, since she was sitting in a call center somewhere in a country where English is not taught well. I got my confirmation number for the account closing and hung up on her.

Justice. The banks' weak spot is their competition. If you have a Barclays account, close it immediately. Transfer your balance to a competitor, then call them and let them know. I can happily hold a grudge, no problem. Our plan is to eventually borrow millions in investment real estate capital. Even if Barclays offers the lowest rate (doubtful anyway), they will never finance a single venture.

Did they know that they were burning a million-dollar bridge by reducing a credit line by a few hundred bucks? Who cares. When you eventually get to a place when they need you more than you need them. Pay on time, get rid of balances, never rack up credit card debt again, believe me! It's a great feeling.

The problem with this Barclay's Bank is that I received a letter that overdraw my account. The account went overdue to the interest that they charged me; making me go over the amount of the $800.00. They add it to my limit and the interest that makes me over the amount of the $800.00. They have done this to me before and I am tired of this bank scamming me out of my hard-earned money.

Now, they want to raise my interest rate to 18-23% and that will make it very difficult for me to pay when I have other bill to pay too. I want to close my account with them.

On 10-01-10, I paid off my Barclay credit card in the amount of $3664.46. I checked later in the month my account and it had a zero balance. I started to receive calls from Barclay people late November that I owed them $57.00. I asked them what for? They said $24.00 in interest and the rest in late charges. I told them that I had paid my account off in time and that I never received a statement or invoice asking me for any money and that I had checked my account late October to make sure everything was okay. The lady said they would waive everything because I had paid everything in time. I received a second call the last week of November and they wanted the $57.00.

I told her to look at my account first before she start asking for money. They said that all I owed was $24.00 and they would not waive this amount. I told her that someone by the name of Ice said they would waive everything. This lady said I owe $24.00 and asked me when I was going to pay this and I told her on the Dec 1st. This morning, Nov 29th, I got another call. Unfortunately, my phone died on me, but I know they were calling about the money. Their recording said I owed them $57.00.

Due to a a job loss in March of 2009, my credit card payments became 30 days late several times, resulting in a 29.94 interest rate. In December of 2009, after maintaining two months of on time payments, I inquired as to how I might reduce my interest rate, since it was a financial hardship on me. I was told that after six months of one time payments, they would review my account for a reduction.

After six months, they refused. After seven, eight, nine, ten and eleven months, and after maintaining on time or early payments, Barclay's continued to tell me there was no program for me. I was recently told that if I did not make my payments for at least two months, they would review my account for a "special program." Since I am slowly building up my credit score, I do not want to take their suggestion. Help!

My husband and I have been Juniper/Barclay account holders for a few years. They are by far the worst credit card company we have ever had and we have used different ones such as Capital One, American Express and CitiBank, all of which are wonderful. The problem started when they approved us for a high limit and we transferred other accounts over to them because they gave us a low interest rate. About 8 months after we did the transfer, they dropped our credit limit saying our debt percentage was too high when it actually was zero on most of our credit cards. When they dropped our limit instead of being thousands of dollars from being maxed out, we were hundreds.

We worked hard paying 3-4 times the minimum to pay it down. Well here we go again, we are thousands of dollars from the limit and they dropped our credit limit again, making it look like we are almost maxed out again! The reason given was our credit balances were to high. No way, we have several credit cards with zero balances. We have never been late, pay 3-4 times the minimum, have never had a payment returned, even set up our payments on automatic debt so we are never late. This company is horrible. This practice should be illegal and I would really like to know if this company has any class action lawsuits against it. If not, let's file one!

I opened a Frontier Airlines card with Barclays Bank. I didn't miss any payments. Two months in a row I made the payments on the due date that was on my statement via online. I noticed the following month that my interest rate had gone from 14.9 percent to 30.24 percent!

I called Barclays and they stated that I was late on payments the last two months and that is why the interest rate had jumped. I explained that I had my payment history pulled up in front of me online and it showed that I had made the payments on the due date. The CS agent informed me that the payment hadn't posted until days later so therefore it was late.

They were horribly rude, unwilling to listen or help and because of the interest increase, our minimum payments were extremely high. My husband and I were lucky enough to get a loan from our credit union to pay off this credit card and close the account, but after reading all the other posts here, I am just praying that they don't pull another fast one on us.

This is crazy and these posts that I have read date back to 2007. How has nothing been done about this. Do lawyers really review these complaints and not find the 30 pages of complaints here not viable enough for a class action suit? And this is just the tip of the iceberg, there are undoubtedly thousands more of us out there. I'm willing to help to have swift legal action brought against these people.

On October 11, 2010 I made a payment by phone and was given a reference no. to conclude the transaction. Normally, I pay my bills through my online banking/checking. At any rate I was contacted yesterday by someone in the Philippines for Barclays, saying I had a past due balance because my transaction did not go through because I did not give them the correct checking account no.

I couldn't remember doing the phone transaction and the young woman had the first 4 digits of my account no. I was extremely skeptical and refused to answer any questions. Her supervisor came on and gave me my mother's maiden name, my SS no. and my date of birth, and insisted I give them my checking account no. in order to pay my bill. I refused further, hung up and attempted to call Barclay's. I was immediately sent back to the Philippines were I had to go through the exact same thing with two more women, the latter being a supervisor. She talked over me, insisted I did not know what I was talking about, said they had a transcript of my conversation during the initial transaction, etc.

Fine, I said let me hear or see the transcription so I can find the problem and fix it! She refused to give me any information and demanded to know what I was going to do about my past due balance. When I called Barclays it said I have made a payment on Oct 11 in the amount of $125. Yes, they say but it's not really there. I demanded to speak to customer care in the United States but I am told that will not happen until I take care of my past due balance because my account is past due! Argghhhh! I am thoroughly frustrated.

On October 11, 2010, I made a payment by phone and was given a reference # to conclude the transaction. Normally, I pay my bills through my online banking/checking.

At any rate I was contacted yesterday by someone in the Philippines for Barclays saying I had a past due balance because my transaction did not go through because I did not give them the correct checking account #. I couldn't remember doing the phone transaction and the young woman had the first 4 digits of my account #. I was extremely skeptical and refused to answer any questions.

Her supervisor came on and gave me my mother's maiden name, my ss# and my dob and insisted I give them my checking account # in order to pay my bill. I refused further, hung up and attempted to call Barclay's.

I was immediately sent back to the Philippines where I had to go through the exact same thing with two more women, the latter being a supervisor. She talked over me, insisted I did not know what I was talking about, said they had a transcript of my conversation during the initial transaction, etc. Fine, I said, let me hear or see the transcription so I can find the problem and fix it!

She refused to give me any information and demanded to know what I was going to do about my past due balance. When I call Barclays, it says I have made a payment on Oct 11 in the amount of $125. Yes, they say but it's not really there. I demanded to speak to customer care in the United States but I am told that will not happen until I take care of my past due balance because my account is past due! Argh! I am thoroughly frustrated.

I received a notification from TransUnion that my Barclay/Juniper card was closed due to inactivity and serious delinquency. I don't have any delinquency on my credit, I check monthly. I never requested this account closed although they state that is what they said. I don't use the card that often but they chose to close it and affect my credit score and cause hits to my credit, especially in this economy nobody wants dings against their credit. I tried to get them to state in writing that they quote federal regulations. Huh! What about my rights?

Well, you waited too long and now my balance is $173.68. The original interest $107.89 (after Barclays lied to me and told me there would be no more charges to my account after the payoff of $5,752.88). Late fee $25.00, interest on interest $2.58, late fee $35.00, interest on interest $3.21 for a total of $173.68.

I'm done talking to Collections. I want someone from the Executive Office to call me and tell me they've written off the balance of $173.68. Don't send me another form letter. Don't ask me to call another number and then I get transferred to collections. If you don't want to write off the balance, return my $5,752.88 and I'll pay you the $173.68. That is my only offer. I am still receiving at least 4 collection calls a day. They don't document my conversations. They don't give me phone numbers to call people with any power to deal with my situation. I got a form letter apologizing, expressing their concern and asking me to call a different number and then I get transferred to collections. I end up yelling at them over the phone because they reiterate the same thing over and over again. The balance keeps increasing because of fees and interest on interest and fees. They'll probably report me to the credit agencies if I continue to ignore them. I resent their attitude after they said there would be no more charges and I paid them off in full.

Choice Hotels which is a reputable motel chain has changed the credit card "rewards program" to Barclay's Bank which offers free rewards redeemable for free lodging at Choice Hotels properties, in exchange for using their credit card. There is apparently a "cut off date" with the Barclay's offer and Barclay's recites one excuse after another for delaying the issuing of cards which have been approved. Their first excuse was that there was no application made in my name.

A second inquiry responded that the "card was returned because of the address change." I haven't changed my address in 30 years. In response to this Barclay's says "because of homeland security they can't send a credit card to a PO box." That's strange. The IRS and the Department of Motor Vehicles recognize a PO box as a valid address as do many other credit card companies. It appears that Barclay's Bank made extravagant promises to solicit credit worthy applicants, with little visible effort being made to follow through with their promises.

Every contact with a representative of Barclay's Bank produces a different story. Most recently, I've been contacted by a firm called Juniper Financial which seems to have knowledge about my credit application. I have no idea with whom Barclay's Bank has been sharing my information and I'm sorry I ever made contact with Barclay's Bank a month ago. I'm going to contact the three major credit bureaus to see if I can prevent or limit damage to my credit rating as a result of my contact with Barclay's Bank.

I had two US Airways Barclays credit cards for several years and cancelled them last year. I recently wished to reapply. I have excellent credit, a credit score of 820. I have been at the same job for 20 years. I just bought a $1.5M loan and have little debt. Without so much as running a credit report, Barclays sent an immediate rejection letter stating that since I had cards before, I was not eligible to get one again. This is nowhere in their marketing material or policies and was clearly a scheme. The individual I spoke with said it was US Airways' policy (I have been a frequent flyer for 20 years). But it is clearly Barclays' fraudulent and discriminatory practices.

Several years ago, I was sent an offer from Juniper Bank for a fixed rate credit card. It said that it was not an introductory rate and unless I didn't make a payment or went over my limit, it would stay at 7.9%. Recently, I noticed the rate was at 15.99%, so I called. They said that they sent me a notice which was never received, changing it from a fixed rate to a variable rate which is at 15.99% now. I said I thought the definition of a fixed card is that it is fix and cannot change. They said as long as we send you a notice we can change it. I asked then if they falsely call it a fixed card. The person said that I had the opportunity to decline the term change and I said that there was no notice that was ever received. They said sorry and they can't help you. I will never again do business with this bank.

My card was stolen on Christmas 2009 by a neighbor, and she billed $2800. I reported it immediately but the Fraud Department refused my claim. The fraud guy from Barclays on the phone told me they'll hold me responsible and not her because I "have more to lose". I've played bill collector ever since. Lawyers I've called won't take my claim because the amount of money isn't big enough.

This has damaged my credit and I've had to pay $150 out of my pocket so far just to protect my credit. I am still held responsible for the $1850 still on the account.

I am currently financially unstable due to hardships with housing. I recently consolidated my credit card bills into one payment through Incharge Debt Solutions. Incharge Debt Solutions proposed a 5.9% Interest APR to Juniper Credit Cards. Juniper declined the proposal. Incharge has been trying to make other proposals which Juniper/Barclay has been declining. Currently Juniper Barclay has increased their Interest to 38% on Cash Advances and 38% on Purchases, which is making it impossible to payoff. Our balance was $3,900.00 2 months ago and it has drastically gone up to $4,289.63.

Incharge Debt Solutions have continued making out payments to Juniper in the amount of $89.00. which according to Juniper isn't enough. We've tried contact Juniper and we have been transferred from one representative to the next and they were not just helping. I've tried explaining our current situation and they just don't care. there is no compassion whatsoever. They then explain that they don't allow outside companies, such as Incharge, manage the debt of their customers and that they have their own debt management program. However, they have informed me that I don't qualify for any of the solutions are offered, which leaves me clinging for help.

After two years of perfect payment and use of my iTunes credit card and Virgin Atlantic credit cards, Barclays decided to decrease my credit limit due to "Information we received from your credit bureaus". The information was that I had too many credit card accounts with an outstanding balance, eight to be exact. The facts are that I had recent auto repairs, a few accounts which I had not used in a while, which I wanted to use so they wouldn't get shut down, and a couple of pre-approved offers that I took advantage of. This isn't the first time this has happened with Barclays. They have a terrible reputation of being trigger happy when it comes to adverse action to their consumers.

The last time this occurred, I called and the lines were promptly re-instated followed by several "thank you for being such a great customer". This time, it seems that I happened to get the nastiest agents, supervisors, and credit analysts they had. To make the long story short, they've lost a long term customer and for what I believe is terrible reasoning. What's the point of having credit cards if you can't use them? I understand about limiting exposure, but my income levels compared to my debt usage eliminate this scenario and any junior analyst will see that. I think this borders on being criminal, the adverse effects of this kind of action can domino the average user into financial ruin.

First, the accounts will reflect that they're almost at their credit limits, which is not good. Next, other credit companies will see this in normal credit bureau reviews and become alarmed, following suit and decreasing credit lines. Despite having never missing a credit payment obligation, I'm now labeled a risk. For what, a 3k credit line? For those who want the Barclays, be ready for the adverse actions. The forums are loaded with them. For those who have it, consider another lender as this giant isn't worth the aggravation.

Something needs to review the lending policies of this company and make changes. My credit limits and exposure were cut. My credit file will be thinner as a result of these accounts being closed. Other companies may decide to follow suit in a time when the government is promoting lending, etc. My carrying a balance, and using these cards puts money in the pockets of these shareholders. I find it odd that Barclays would penalize consumers for using their products and helping to stimulate the economy.

Barclays Bank/Juniper put their interest rates on steroids after the credit card bill passed Congress. Now, instead of 10-11% interest rate, it went from there to 27.34%, and now it's at 30.24%. All payments to this company have been on time. These are usury charges. It will take years to pay off the principal balance; case in point, I owe $500.00 less this year after making payments in the past 12-month period totaling $2,064.34.

My daughter was an authorized user on my account and lost her card. No charges were made but I requested that card be canceled and they send me a new card. This was back in early June. I have now requested the card 4 times. They say it has been sent, but I've never received a card. The customer service department is useless. My daughter needed the card this week for a trip she is taking and I didn't want to give her cash. I had no card, so now I must send cash which is dangerous.

I made a payment to my account on 3/05/2010. I inadvertently made a computer entry error, the on-line AFT payment was marked returned. When the payment amount was not deducted from my checking account, I realized the error, I then made my payment on 3/12/10, still early and weeks before the payment due date of 3/28/10. This payment was never late.

In fact, examine my payment history below, and you can clearly see I have a pristine payment history. I am a good customer and in good standing. I received a letter from Card Services dated April 09, 2010 with a Notice of Changes to my interest rate triggering the Penalty APR to 25.24%.

Please change my APR back to 14.99% where it was prior to this "penalty". This action against me is unjustified and excessive. This account has never been over limit and never late in payment. The isolated returned payment on March 5, 2010 was a computer entry error, corrected with a payment 1 week later on 3/12/10, and submitted and paid 2 weeks before the due date of 3/28. I understand that your computer can automatically generate changes and impose penalty APR's on anyone with a history of over limit charges, late and returned payments, justifiably. Raising my APR to a Penalty Rate is obviously an unjustified and unfair action. My record shows no previous payment blemishes whatsoever.

I would like to continue to regularly use this credit card , as I have in the past, but at an elevated and unfair APR, I will not (recently lowered to 23.24%, but still not satisfactory). My account will remain dormant, and this card will be used by me only in an emergency. I am quite sure your superiors would agree with and applaud your decision regarding this matter, based on the circumstances. Thank you for your consideration and prompt attention in this matter.

I paid off my MasterCard account well in advance of due date, in June 2010. In July, I got a bill showing the pay off but with a balance of $15.88. When I called, they told me it was based on the balance at the beginning of the billing period. Ms. C said in letter form that had I called their customer service, I would have been provided with an "estimated" payoff amount. Under those calculations, there is no way it can ever be paid in full. I did not submit the $15.88 by their due date. I just received another bill for $57.83. I know it will damage my credit record, but now I am adamant that I will not pay for their extortion.

I had a fixed rate on this credit card at 8.99%. I was late one time and they raised my rate to 30.24%. This is unreal. I called today to complain and emailed them 10 times regarding this rate and no email back or phone call. They are nothing but bloodsuckers. They have foreign people talking to you on the phone and they offered the only low rate of 29.99% for being late one time. I don't have much of a balance on this card but this is totally unfair and I think they should be closed down for screwing the customers over. They said this is the "default" rate. This bank should be shut down for screwing over their customers.

I have received a bill, but could not recognize the name of the company that had charged me the money. I have called Juniper to see if they can clarify who the company is, which the bank was unable to do and offered to put the red flag to investigate if it is a fraud. Later that day, I have remembered who it was that I made a payment to. I had called the bank to let them know that there was no reason for investigation to what I was told the the red flag will be removed. After that, I have payed my bill in full.

You can imagine my surprise when on the next month bill I had the same amount that already been paid. I had called the bank thinking that this is a mistake, but was told that since they had already refunded my money and even though I have already paid them I had to pay anyways. I told the woman that I have never received any refund and will not pay for something that I already payed for, but the woman had insisted that I have to pay. At this point, I have closed the account not because I thought that I will not have to pay them, but because I didn't want to have the credit card that had such a rude employs.

At first when they would call me, I would try to explain to them that I have already payed for the purchase and it seemed to work I have been told to send the dispute letter, which I did. For a while, all seemed well with the world; no phone calls or letters. I thought they have realized that it was just a computer error and corrected it, was I wrong. Soon I started getting phone calls again, from those phone calls I had found out that the letter I sent was never received which I might have believed if they would not change the reason why I owe them money. After that incident I have stopped answering the phone when the bank would call since now I knew that explaining over and over again is not helping me at all.

I have written many more dispute letters which didn't solve the problem at all. Now I am writing here in hopes of some help or at least an advice on what I should do.

I have called customer services 3 times and got nowhere at getting an address to send this e-mail to. Every time, the call was dropped? Then the people are not too smart, you explain what you want and who you have been talking to and they say they need more information on your account. That is **. Will you check out the attached e-mail below and see if it is a fraud or fishing and let me know. Thank you.

I had a US Airways Card that was originally issued through Bank of America, when I fell on difficult financial times I entered into a five year payment contract with Bank of America to repay my debt, all of my payments were on time as they were automatically debited from my bank account, approx 1 year later I start receiving calls from a Barclay Bank calling about my US airways card(I was unaware and received no notice that this account had been sold), not knowing who these people were I refused the phone calls for approximately 3 weeks while I tried to contact someone at BofA to explain to me who this Barclay was (which they were unable to confirm or deny for me) I then spoke with a representative and set up a payment plan with her that was to last until December of that year, this bank took 2 of the scheduled 5 payments, skipped 2 payments then started taking money for 2 months and then taking nothing.

Then the harassing phone calls start, they call me at 7 am on Sundays...I have requested they send my account to collections as every attempt I have made to pay these people and/or acquire a statement in writing they are unable/unwilling to comply, in the 2+ years they have "owned" my account I have never received one piece of paper from this bank, not sure what my options are but I was working very hard to fix my credit and this has blown me away. Please help if you can.

Credit harassment calls continued for several days after asking creditor to stop calling and sending a cease and desist letter.

Wow, what a joke of a bank. Barclays Bank's customer service department is by far the worst I have encountered. I am surprised Frontier Airlines has not moved on to a different bank to administer the frequent flyer credit card offer. The customer service at the bank is the worst I have ever experienced. If I did not love Frontier Airlines and want the mileage credit, I would have dumped Barclays Bank long ago.

Seriously, I do not understand how a company like Barclays can stay in business with the poor customer service, lack of follow through, incompetent employees, not well-trained employees on their own products like stating they don't offer a Pay Pass credit card through Frontier Airlines when they do! They also have weak supervisors, not calling back within 24 hours as they state that a manager will do and managers are not even aware of what the problem is.

This goes back to mid-May when I was sent a new credit card because I was upgraded to a better card. Two months later and nearly 30 phone calls and I don't have resolution and continue to get incompetent customer service employees who give me incorrect information and do not seem to care to fix the situation. Stay clear of getting one of these cards if you can help it. I read the negative post by a person who was roped' into one there at the Denver Airport.

I am so disappointed in this product, Barclays Bank. Any Barclay's cards, especially the Frontier Airlines Barclays MasterCard, the incompetent call center they use in Manila, the uniformed bank customer service personnel in the U.S. who do not follow through and seem uninterested in helping Frontier Airlines. I have not been able to use my credit card appropriately and have lost the opportunity for nearly 3 months to earn Frontier Airlines miles. There are other better choices out there. Beware.

I have a Best Western MasterCard with them and a Midwest Airlines card with them. They raised the interest up to 30.34% because they said they can lower my credit limit to where I was getting over limit fees every month. Thus, when the interest rate skyrocketed, so did the payments which have become unaffordable. They will not work with me on any plan to lower the interest rate. Most recently, I got a notice stating the minimum payment is going up in September 2010 on both cards.

I can no longer afford to pay the monthly minimum with 30.24% interest and all the late fees they charge. There should be a grace period.

I requested a credit card from Juniper/Barclay's Bank of Delaware in May 2007. I was issued the card and it advertised on the pre-approval certificate "No Annual Fee". Now, 3 years later (my account is in good standing - not late, not over the limit and set up on automatic payments), I am being assessed a $49 Annual Fee.

I have the right to reject this fee but if I reject this fee, my account will be closed, therefore impacting my credit report and score. I feel I am backed up against the wall and being forced to pay the annual fee for the rest of my life (that I never would have agreed to) or I will have a negative impact on my credit report and score for 7 - 10 years. I will never be able to cancel this card without it impacting my report and score. This is a catch 22 situation. I don't win either way. This doesn't seem fair and it doesn't seem legal.

Approximately one year ago (7/2009), I closed my Juniper credit card account for several reasons, i.e. reducing my credit line, increasing my APR, etc. Over the past year I have faithfully remitted $100 every month which was slightly above my minimum payment due of upper $60 to lower $70 interest. The last statement I received (7/2010) the minimum payment due was in the amount of $l43.99. When I called to question this increase, two separate individual "relationship managers" explained to me that I had been enrolled in a program for one year to allow me to make a minimum payment consisting of just interest (news to me).

When I explained that $100 is all my budget would allow to send (losing my job shortly), they refused to assist in any way and referred me to credit counseling services. I called thinking this service must be connected to Juniper. Not so, they are a debt consolidation service that does not deal with Juniper specifically. My hope had been to send $100 each month until I received a severance package and to then remit the full balance in the ballpark of $7,000.

Since Juniper's lack of compassion and/or desire to help me out which is what I believe the Federal Government is stating should happen, I am seriously thinking of not remitting any payment which I feel in my heart is not the right thing to do. However, I am very frustrated at the moment due to their lack of cooperation. I will have to sleep on this one. P.S. This information was provided the first attempt at calling which I had to hold on for 20 minutes or so. The second call sent me to Manila, Philippines after holding for 28 minutes and 37 seconds. At that point I asked to be sent back to the U.S. only to hold on for an additional 15 minutes before ending the never answered call in disgust.

I recently had a personal issue when my daughter was assaulted and not caring if I logged in online, and made my payments. In that particular week, I missed my payment on my Barclay's/Juniper Carnival credit card. They called starting the day after it was due and I explained the situation, and that I would make a payment as soon as I had time but within a week. They kept calling and I demanded a supervisor, and explained the situation. I showed them my perfect history with them, asked them to remove the late payment, the over limit fee and to stop calling.

They did not. So finally, I demanded they cancel the card which they did immediately. I am on an automatic payment plan for the minimum due on a nearly $3,000 balance. My statements show that my card will be paid off in 2,682 years at a total cost of over $250,000. There has to be some law against this.

Well, if I pay, it it will be about $250,000 in bogus interest rates. Were not laws enacted against this very thing?

I made an e-bill payment on 6/2/10 to post on or before 6/5/10 for $65.00. I checked my account on 6/4 and 6/5. I panicked because once I made a double payment and had the bank take one bank and they increased my interest rate and charged me $39.00. I called in on 6/5/10 6pm and asked the rep to take the payment of $35.18 electronically. She did and I asked if it would be posted today. She said she couldn't say but if it didn't to call in on Monday and speak with a credit manager. It didn't and I was charged 39 dollars and two payments were received on the seventh; 1 for $65.00 and the payment the rep took for $35.00.

The 5th of June was on a Saturday and the payment posted on Monday. They have a record that I arranged the payment on Saturday the 5th and they refused to help me with my situation of the $39.00 fee. 3 different reps and one were close. The last one I spoke to because I could hear her and him discussing it with his hand over the head set. I was embarrassed enough and now this. I feel that a payment arrangement is a payment whether it is there or not. It should be treated as a customer with ethics. Not only that but the payment I explained was late arrived too and they still did nothing about it. This on two stories I have more but there is no one who can help or will help the honest consumer.

I have a Carnival Funpoints MasterCard issued by Barclays Bank Delaware, previously Juniper. As instructed by a Carnival agent, I booked my cruise and charged the $500 deposit to my MasterCard. I called Barclays to apply my funpoints. I then learned that 47,620 points equaled $500, but 80,000 points equaled $1336. Barclay lead me to believe that I could charge the whole amount of the cruise and get more benefit from my points.

So, I called Carnival back and had them charge the whole amount of my cruise to my MasterCard ($1470). This all took place on 5/22/2010. I had to wait until the next billing cycle so all of the charges would appear on my statement. I called Barclays back on 6/21/2010. When I inquired about applying my funpoints to pay for my cruise they had dropped the point redemption value from 80,000 equaling $1336 to only $800. It took me years of spending my hard earned money to accumulate enough points to take my cruise. Then to be robbed of them by the Barclays Bank. Carnival will not give me any discount to help me out so my free cruise is costing me $670. Barclays claims that you get 2 funpoints for every dollar you charge. But they don't tell you that 'the dollar redemption value is to the bank's discretion. I was told that by Barclays. As I already mentioned above, I have to pay $670 after I was told by a Barclays Person that my points would cover all but $134 of my cruise total.

I suffered a major job change in 2006. The company I was working for went bankrupt. Luckily, I found a new job pretty quickly, which says a lot for the area in which I live. Unfortunately, I went from making $36K a year to only $22K a year. It was tough for me to keep up with my existing bills on my new budget, and out of desperation, I relied on credit cards to make ends meet. I know now how stupid that was. After a few years, I knew I had to do something fast. I couldn't keep up with the minimum payments and the interest was killing me. I finally enrolled in credit counseling which is the best thing that ever happened to me. I've been working diligently and have cut my debt in just under two years.

Now, all of a sudden, my credit counseling agency tells me that Barclays refuses to work with them and will not answer any questions about my accounts. (I have two cards with them). My credit counseling agency told me that they had no choice but to take my Barclays accounts off of my debt management program. They told me that they have deal with Barclays through several other clients and when they try to submit a new proposal, they are always denied by Barclays. They also told me that Barclays will try to tell me that it is the credit counseling agency who is unwilling to work with me and that they need to submit a new proposal. So I called my credit counseling agency back and they said that they would surely put new proposals through for me and guess what...they were denied. I called Barclays back and they just kept me going in circles.

Finally, after begging, I asked if I could be put on an internal rate reduction program like I had been on before. They said that they only offer this for 12 months and there was nothing more they could do for me. I asked why I was denied for another rate reduction and the rep told me that the bank will not disclose this information. However, I found it funny that I was denied in less than 30 seconds. Are they granting anyone a rate reduction? The rep then told me that maybe they are denying my request because the bank feels that I do not deserve or need one. I guess I should mention that I have been paying my bills on time and paying double the minimum amount due for the past two years. Never missed one payment. However, I was paying double because it was part of my original agreement with my credit counseling agency and Juniper and Carnival Sea Miles.

I told the rep that I found it very odd that my reward for paying on time and paying double was going from a 9.9 APR to a 29.99 APR overnight. I can almost bet that my APR is probably the same as people who are late, don't pay their bill at all, or who are in collections. How is that fair? Obviously, my past will always come back to haunt me, no matter how good I've been in the present. I can't imagine that they would do this to a someone who has a perfect past. It doesn't give me high hopes for trying to finally be a wise consumer because they will get more of my money regardless of how good I've been at making payments. Double payments.

This is still new, so I have not suffered any consequences yet. My fear is that this higher APR will increase my interest, thus increasing my minimum amount due. I feel like eventually, I will end up back where I started and all the work I have made for the past two years in paying off my debt has gone down the drain. I had high hopes of paying off both of these cards in another year to a year and a half. I was looking forward to finally be debt free, so I could finally move out of my ever-growing-crime-infested neighbor to somewhere nice and safe. I know now that this might not happen for some time to come and that is so heartbreaking when I have had my "eye on the prize" for the past two years. So I guess you could say that I am suffering a huge amount of emotional damage as well.

I know that sounds funny. I am not expecting a lawsuit but it is a drain on your phyche to think that your life is getting better and then you find out that it is getting worse. I know that they are doing this to make even more money off of me and my interest. I just don't see it as being fair when I've been trying to be fair to them by paying them honestly. I could have taken the easy way out by declaring bankrupty or settling my debt, but I declared from the beginning that I knew that it was my debt and that I was willing to pay for it. I guess I expected the same respect or kindness in return, but I should have known better. Thank god I have learned to live cash-only. If I ever get these cards paid off, I will never own one again.

Through my error, I did not pay a bill or $42.99 for a product I bought at LLbean in Jan. of 2010. When this came to my attention through a letter, I immediately called customer service and asked for a waiver of late fees which had accumulated to over $100. The person I spoke to said she would speak to her superior. When she came back on the phone, she asked me if I would be willing to settle the account for $60. I agreed.

Earlier in June, I received an email stating that I now owed them $113.33. I called and spoke to a manager who would not waive the fees. He said that whoever I spoke to in May spoke in error and that the request for waiving the fees was denied. I never received any kind of notification that the request was denied. Now this $42.99 robe ended up costing me $173.33. I paid the latest amount and hope that my excellent credit is not affected.

I have had a credit card with Barclays under the name of Barnes and Noble Book Stores and had been able to keep my payments up to date until recently when my income fell by 20%, and Barclays, with the debt crisis going on, felt it necessary to raise my interest rate and monthly payment. Falling behind on my obligations, I contacted CCCS (Consumers Credit Counseling Service) to set up a repayment plan for Barclays Bank and my other creditors. All of my creditors were able to set up repayment plans, except Barclays Bank. When I called the so-called "customer support" line, I was told that I was on a promotional account (promotion had ended) and was not eligible for a repayment plan through CCCS. I pointed out that an almost 30% interest rate is no promotion and requested to talk to someone who could help me.

Glen, a supervisor, told me he was the top of the line of these phone calls and anyone else I talked to would tell me the same thing. I asked how much of my promotional balance was left and never received an answer. I asked for a name and phone number of someone I could call and he refused to give me a number but said he would give me an address. I argued he was just stonewalling me and trying to make my request so difficult that I would give up. He never did give me an address and hung up while I was still talking. I was on the phone with customer support for 22 minutes and no real help.

I asked to talk again to an Erica, who at least sounded helpful, and might be able to refer me to someone besides Glen. But the person he transferred me to was not Erica and was unable to repeat any of our previous conversation we had together. Another deception by Glen/Barclays. Glen was again trying to trick and delay and avoids getting me any assistance whatsoever. This encounter has left me saddened and frustrated.

Please anyone thinking of doing business with Barclays Bank: don't. They will not be there for you when you need them. You can tell they will only give you the run around and no matter how much you might need a little assistance they are not the ones. I am continuing my debt repayment plan with CCCS and still trying to contact anyway at Barclays Bank, who will try to assist me with my ongoing problem. I am making a real effort to pay my debt to each of my creditors and I appreciate their willingness to work with me through CCCS on this. Barclays Bank has given me much anxiety.

Although we have plenty of credit available, our Barclays Bank credit card denied a $140 charge my daughter wanted to make, buying food at a grocery store in another city because we had not told Barclays in advance that she was traveling there! I can see letting them know before leaving the country. I can understand denying a big charge at an out-of-state electronics store as possible fraud. But $140 at a grocery store? I have to know that my daughter can buy food!

I called Barclays Customer Service and spoke with Michael, who insisted they must know in advance if we are going out of town. Then he insisted that I have to tell him what date our daughter is returning home! I've never had a credit card company demand such an invasion of privacy. I wanted to speak with his supervisor, and Michael gave me the runaround. Time to find a new credit card!

They raised my interest rate after I cancelled the card in December, before it was set to be raised. I have called for months to have it fixed and now they are telling me I went over my credit line in November '09. They set me up. They gave me a minimum payment that would automatically put me over the limit. I transferred $3000 to my other credit card on Dec 1st 2009, the day I received my bill from Barclay's saying I went over the limit and I had 20 days to pay. The month ending was Nov 10th so 20 days later would've been the 30th and they posted the payment on Dec 3rd. My bill didn't arrive until the 1st of December.

They changed the limit without notifying me. Immediately they charged over limit fees and insisted on health and life insurance. They claim they do not sell, but they are the parent company and started charging my account for the insurance. I had two heart attacks within one years' time. They refused to make payment under insurance. They claimed I must be in the hospital 30 days. I'm unable to work, and made arrangements for payoff. Now they changed their mind 3 months later and start charging for insurance again, despite phone and written rejection of the insurance plan. I wonder what country the phone centers are located. Avoid cards with Barclay's with no exceptions. They wrecked my credit, are constantly hounding on phone. Even if I talk to them, they call 4-6 times a day.

I have had a Juniper Bank credit card for years. It was due to expire in 2012. They canceled it without warning, and also canceled my earned points. I emailed (told to write them), wrote to them (ignored), and spent hours on the phone, transferred, dropped, and made to call back. They don't care if they cheated me out of the points I earned. This is a really dishonest and uncaring company. I've lost all the points I earned.

I closed my Juniper credit card, because they wanted to raise my interest rate. I "opted out" and closed the account in October 2009. A few months later, I looked, and it said that I was over the limit. That was strange, since I hadn't used the card in 3 or 4 months and had been making monthly payments. I called, and they have refused to lower the rate. it went from $9.99 to $29.99.

I have called and called to try to resolve this, and they refused to put it back down to $9.99. By the way, they did this right before that credit card law was passed. Now, they call me 7 to 8 times a day, including my job. I have made it clear that when they put the interest back down, I will be happy to pay them.

I am posting this to report one of the worst customer service experiences I have ever had. I had a US Airways Mastercard through Barclays Bank. The only reason I got the card was to accrue mileage for my US Airways frequent flyer account. The interest rate was not that competitive at the time I got the card in 2008 (14.99%), given that my credit score is 796, but I planned to pay off my purchases in full each month. I was never late on a payment. In September 2009, I enrolled in Barclays Bank's automatic pay program, which would deduct at least the minimum amount due on my credit card from my checking account. I did this to ensure I would never be late even if a payment date slipped my mind.

In February 2010, I received my statement and there was a late fee for $39.95. I immediately called Barclays' customer service department and complained. The agent I spoke to was very unsympathetic even after I tried three times explaining that I was set up on autopay and therefore the late payment was a mistake. She said she would have to research it and would get back with me. Unsatisfied with that answer, I then contacted Barclays' email customer service area. After a week of correspondence back and forth, an agent emailed and explained that it was a banking system error (in actuality, the payment due date fell on a Sunday, and Barclay's debited my account the next business day). They refunded my late fee, but here's where it gets interesting.

About two weeks after I received that February statement where I incurred a late charge, I received a notice from Barclays notifying me that because of the late fee (mind you, which was not my fault), they were raising my APR from 14.99% to the default rate of 29.99%. In addition, I had done a balance transfer back in September of 2009 for a special rate of 3.99%, which was to remain in effect until September 2011. Last week when I received my May statement, Barclays instituted the default rate and ended my special APR for my balance transfer. I immediately called customer service to inquire why my rate went up when the late fee incurred in January 2010 was not my fault and all the person could tell me was that the account had a late fee and that is why the default rate was triggered. In addition, she said that the special APR on the balance transfer I did back in September was only good through April 2010 (a blatant lie).

Fortunately, I still had the email thread from when I initially engaged Barclay's email customer service team back in February. In that thread was the email that stated the late fee was not my fault. I then replied to that email, asking if the late fee was not my fault, why was I being charged the default APR? The response I got back said that there was a late fee on the account back in April 2009. I knew that was incorrect but I went online and looked at all of my Barclays' statements from 2009, and not once was a late fee incurred. I sent another email, asking where they were getting their information, because I did not see any late fees from April 2009 or any other month from that year. The response I got back was that the late fee occurred in January 2010.

By this time, I'd had it with their incompetence. I fired off an angry email, telling them it was obvious they were either too stupid, too lazy, or not equipped to handle basic customer research inquiries and had any one of them taken the time to read the email thread, they would have been better prepared to answer my questions. I called up customer service one last time. This time to cancel my account. I could not believe how hard they make it for someone to cancel a credit card. When the agent asked why I wished to cancel the card, I bluntly said I was tired of dealing with idiots and poor service. When I asked why I was being charged a default rate when the only late fee incurred was Barclays' fault, she had no answer. Desperately trying to get me to change my mind about closing the account, she said the best rate she could give me was 27%. I told her that was an insult and demanded she close the account immediately with no more questions.

On Friday, May 14, I received a call from a customer service manager at Barclays who called to apologize about the poor service I received from the email team. Upon review of my account, she said everything I stated in all of my emails was correct, and that she was going to have a talk with the individuals I had corresponded with about my account. In addition, she was going to drop my APR back to the 14.99% and reinstate my balance transfer back to the 3.99% until the end date of September 2011. I thanked her for calling me and admitting that her company was at fault. I also told her that when she talked to those individuals who rendered atrocious customer service, hold up my case of an example of how to lose a customer because I had canceled my account the day before and had no desire to ever return as a customer!

I have been saving "sea miles" with Barclay/Juniper for roughly 3 years. They recently changed "se amiles" to "fun points", in which points can now only be used for Carnival cruise line families (Okay, so there's a change; I can roll with the punches, so I review the new program). I received a Program Guide for Fun points in the mail roughly over a month ago. It had examples of Carnival Cruise Discounts that can be used. One example says for 75,000 points you can receive a $1,250 Cruise Discount. (I am almost at 75,000 points. ) Juniper then added a calculator to their website to determine your discount on your cruise. The calculator says that I would now need 113,000 points for a $1,250.00 discount. I then contacted Barclay/Juniper Customer Service to inquire about this. Their response was, "We do not have such offer for redeeming your Fun Points. You may log on to our website to check how many Fun Points are needed for a $1,250 discount." This is false advertisement at its best!

I am still trying to determine what happened with my credit cards. In December 2009, I paid off Juniper Bank and all my Chase cards. I made a large payment on my Bank of America card. At the beginning of this year, the credit card companies started lowering my credit line to just a few dollars over the balance. On several occasions, without notice, I would attempt to use one of the cards and it would not go through. I would check my account to find that my credit line had dropped to a little over the balance. I never had a late payment with Juniper. When I paid them off, they sent me a bill for $20.17, which I ignored. Next I got a bill that contained all sorts of fees and penalties. I think they now have it up to around $300.00. I reported Juniper to the Federal Trade Commission. I was getting four or five calls a day from Juniper. They called me at work, at home and somehow got my cell phone number. If I answered the call, I could not talk to anyone. Last week, Chase lowered my credit limit and I called them. I was told she couldn't tell me why my credit limit had been lowered from over $5,000.00 to $1,700.00. I told her that I had filed a claim with the FTC regarding Juniper and she told me that was probably the reason Chase had lowered my credit limit.

I am a 66 year old woman who had great credit until this started. If you pay your bills on time and pay in excess of the minimum payment, how can they do this to a person? We are completely at the mercy of creditors that have the ability to report anything they want to the credit bureaus and you may never know it. Something is terribly wrong with this. I need to know what I can do about this. I have lived my 66 years as honest as I could and never failed to pay my credit card bills. My credit score has been lowered to 649. The interest rate on the cards is so excessive that I will never be able to pay them off. They have raised my minimum payment to the point it puts a strain on me to make those payments. I truly do hope that some attorney or attorneys will take these issues on and I would be more than happy to serve as Plaintiff in the Class Action Lawsuit.

Even though I had a $0 balance, this credit card took out a large payment and now refuses to send me back my payment mail which could take weeks. They refuse to send it back by electronic banking, the way they took it out. Essentially, this company is stealing money from bank accounts and then keeping it several weeks. They are looting banking accounts.

I had been a Frontier Airlines customer for years and so it only made sense for me to sign up for a Frontier MasterCard. My wife and I enjoyed visiting family in Colorado and found that of all of the airlines serving the Denver area out of Orlando, Frontier offered the best service at competitive prices. I originally obtained my Frontier card in 2004. I always paid online on time or early and was never even close to being over the limit. With a good credit rating we could easily qualify for any card out there but chose to stick with the Barclays Card because of the mileage we could rack up.

Then, at the beginning of this year, I noted that our terms had drastically changed. The interest rate had gone up from a fixed $14.9 to $21.9 and the minimum payment had also drastically increased. Worst of all because of the new terms all but $1.00 of my payment would go to interest! I phoned their customer support center, a total waste since all of the reps are outside of the US and barely speak English. I was basically told that I had been sent an opt-out letter back in November in my billing statement. When I pointed out that I was an online customer and did not receive a written billing statement, she still insisted that it had been mailed to me. And she stated, "It is too late now, you could have opted out of the term changes back in November."

How convenient that their terms changed right before the enactment of a new federal law meant to protect consumers from such actions. After a great deal of trouble I was finally able to talk them down to "19.9% and we will look at your account again in the future." I immediately set about finding a card with better terms in order to get away from Barclays. In the end I found a better card and transferred my balance. I should have done this long ago considering I got 0% for 12 months on the balance which will be paid off in 3 months now with the new terms. I closed the Frontier Card and will never deal with Barclays again.

I am amazed that this bank would choose to so openly violate the spirit of the new law. I can only imagine how many consumers will be stuck with their new unearned terms. If this is not an opening for a class action lawsuit I do not know what is. Barclays openly admitted to me in an email that the decision was based on "consideration for the profits of the bank," and further that "changes in your terms had nothing to do with any review of your account, your payment history, or the risk involved with you as an individual customer." How can this be legal?

I have a Juniper Mastercard that I've been trying to pay down for what seems to be forever. Orginally, the APR was 7.99% and now it's up to 30%. Because of one electronic payment that I made that didn't go through, the APR is through the roof. Any and all payments that I have made are not making a dent because of the APR and it's not helping in keeping the credit line under the limit. I have always made my payments, even paying before the statement date. I have never been late with a payment, even when one payment that I made didn't go through because of a power outage (seems like an act of God), the payment was scheduled on time.

I called on April 17, to see if I could get a rate decrease and close out my account so that I maybe able to lock in the rate and be able to pay off the debt. Something that Chase has done for me which is helping in making progress with my debt. I was transferred over to a person by the name of Justin who was some sort of account specialist and was in the process of helping with trying to get a rate decrease. He was really be quite helpful in informing of what I can do to bring down my debt and keep me under the credit limit when I had asked him to hold while I put him on speaker.

I lost the call and when I called back, I was told that I couldn't be transferred because they simply couldn't do that. Then I was told that no one can really help me, and at 30% APR, that was the best deal I could get. Needless to say I blew up on the phone. I informed the idiot that I was talking to that I was transferred and that someone was helping me and that I wasn't imagining the conversation that took place not to long ago.

I told him I felt I was in a bad episode of the Twilight Zone. He put me on hold and came back with the same response that I could not be transferred and that there was really nothing that can be done about my credit. These people are really something else. They say one thing and mean another. This isn't the first time I had problems with them and they are not willing to help their customers with managing their credit. I was blatantly, blatantly, lied to. I don't like being lied to.

I'm in state of absolute disbelief. They lied to me and they know it! They know what they do to their customers and they don't care! I can only compare it to being robbed and with the cops just standing there and doing nothing about it. I just want justice. This company needs to be exposed for the criminals they are.

In December this company closed my account providing an excuse that really didn't make a lot of sense. Starting last month I started to pay well over the required amount so I can get this credit card paid off. I noticed that they are charging me $40 a month for a cash advance. I didn't recall ever getting a cash advance from them so I emailed them and they state an advance was made on 28 Mar 08.

I wrote them back asking how much it was. I got a response stating they can only view last 16 months of transactions. They can tell me when it was that I had this cash advance yet they can't tell me how much it is. I have been trying to get them to provide the amount of the advance so I can pay this advance back along with the regular monthly bill so I can get this account closed as soon as possible and they haven't been very helpful at all.

Not only do they charge me over 30.24% interest but now that I have been paying an average of over $250 more than what's required when paying my monthly bill, they are making the payments closer for me to pay than before and the payments are higher than what they should be. As an example, I went from 3750 to 3400 last month and my monthly payment was $88.78. This month they are charging me $94.59, which doesn't make sense to me. The economic damage is that they are continuing to charge an excessive fee that I could pay off where my bill wouldn't be so much and where I could pay off my balance faster. It seems like they are noticing that I'm trying to pay my balance off and are making it more difficult for me.

I have had this credit card for many years and presently, have a balance of approximately $7,000.00. I have always made my payments. However, recently, I have been out of work and dealing with a number of medical issues due to a car accident. My husband and I, in an effort to responsibly pay all of our bills, went into a debt-management program. Barclay's and Dell were the only two that wouldn't accept this program and the ones with the highest interest rates.

I called Barclay's and explained the situation and was given a one-year program of 9% interest. When they stated that I had been late with one payment, they bumped me from the program. However, I was not late and they have admitted this mistake. However, every month I am harassed with phone calls. When I was told in March of 2010 to pay $150 and the next month would be reduced to $140. They continued to call and finally coerced me into making another $70 payment. One representative told me, he would "kindly" wave the $15 late fee, while another told me it was $40.

I'm sick of dealing with them, and don't know where to turn at this point. I am going to contact the BBB, as well as the media in our area, but this is terrible. I would like to get the word out to the general public to beware of Barclay's and their underhanded and unethical practices. I have chronic pain from my accident and surgeries and a host of doctor bills that need to be paid. I do not qualify for unemployment, as I've always worked non-profits. I'm very discouraged and under a lot of stress trying to keep up with everything.

Well, here it is. Easter morning. Low and behold, the phone rings. It's Barclays Juniper Bank. No one there, just dead air over the phone. Ridiculous, to say the least, to have them call on a holiday, yet alone, while trying to get Easter dinner together. I've had my Juniper Visa for several years. We fell on harder times in November, and got behind. So we enrolled into a consumer credit counseling in early December to get a hold of the situation. It took three proposals before it was ever accepted. Now, my payment is higher than it was when I was paying normally. We haven't missed an scheduled payment with our debt management since enrolling, but the calls still continue.

At one point in February, I had their 866- number on my caller I.D. 39 times in one day. On one Sunday, they were calling 3 times per hour. I called our debt management company and complained. We had a conference call and the calls slowed down, but didn't end. My wife and I have both answered the phone and have been told that this account is not under debt management, only to argue with that it is. A few have admitted that they were trying to accelerate the pay off and the account is under debt management. We are now not answering the phone or leaving the ringer off all together. Even with the accepted enrollment, they continue. It's shameful that a company accepts the proposal for debt management, only to harass their customers. We could have easily filed bankruptcy but decided to face it and pay our debts. I will be so thankful to never have to deal with Barclays again. As I'm typing this, they are calling again.

On July 2009, I have opened up an overseas account with Barclay's. To my understanding, the bank has not filed any papers on my account. I have invested $3,100 to open an account and now the money is gone. Mike J. is responsible but swears up and down he doesn't know anything. I lost almost everything, $3,100 total. All because Mike J. wants to be stubborn and greedy.

I received a letter stating I had to close my account to avoid an increase in the interest rate. I closed the account, which was near the limit, and I asked how much I should send to avoid an over-the-limit fee, and I did. I got a fee because the agent did not tell me about the additional finance charges which brought me over the limit. I called, wrote, and was denied. Later, and I have never been late or missed a payment, found that the interest rate was raised from 7.99% to 16.74%. I called, was told it was an error, and was given a file number, and was told it would change on my next statement. It did not. I called again, and am now told that I had to call again to avoid the higher interest.

This does not make any sense. They are saying that I was sent a letter telling me I had to call again. Why would I call again on a closed account? I was told a supervisor would call me back in two days, and it has been five days. They are taking advantage because they want to charge me more interest because the account is inactive. I feel threatened to the point of blackmail, and there is nothing I can do. Please help!

I am semi-retired working only part-time due to injuries from 9/11. I live in the area. I cannot afford to pay more interest on this card! I am at the point where I want to stop paying and let it go to collections. They do not have an office here, or I would try to sue them myself. This situation has caused me untold grief and stress, and has jeopardized my health and well being.

We have a Barclay's Iceland Air Mastercard with an annual fee. As our credit card habits changed, however, it made no sense to renew this card and pay the annual fee. When our bill arrived with the annual fee (the only charge for months), I called and cancelled the card before the payment due date. Now they insist that we pay a late fee for that amount, which was reversed, but not until after the due date. They want me to pay a late fee on an annual charge that itself was reversed, on a card that I cancelled. I am incensed, but get nothing but stonewalling from their customer service reps. A late fee of $39.95 is not a huge amount. But it is completely unjustified and the company's attitude is not at all customer friendly. I don't want to pay it but believe Barclay's would enter it on my very good credit history.

I paid my minimum payment and didn't use the card and 5 days later, I was charged $39 for an over limit fee. They tacked on the interest after I paid my payment. I was making payments on line and for some reason the website didn't work. I had an employee walk me through the steps and it didn't work and was supposed to get reimbursed. I asked for the agent of service in California, so I could take them to court and they said they didn't have one. Very much mental stress and the fees were about $280.

I have had a Mastercard with this company for over two years. I've always paid on time and even paid off the entire balance, for over $1000.00, at one time. My mom, who lives in another state, became ill and I forgot everything to get to her side. My payment was late. I made a double payment online and saw that my interest rate was jacked up to 30%.

I called and tried to talk to someone, tell them my situation and sign up for auto payment to prevent this from happening again. I was put on hold by the man in customer care for a minute only to be told by him that my payment was late and the banks are having a hard time right now and to call back in about a month to see if they would drop the rate down to 29.9%. My situation nor my intent to sign up on autopay meant nothing to these people.

I have near perfect credit, 813. I am 64 years old and have never been late on a payment. I sent my check into Barclay Bank (MC). The check was returned by the post office with an apology letter explaining it had been separated and damaged by the postal service. So, my payment was late. I faxed copies of all information to Barclay's Customer Service and received a very terse letter back saying late fee would not be removed. Yesterday, I received a letter from them stating that my interest rate is now at 28% (from 13%). I always pay my bill in full each month so I will not be affected by that, but I sure am angry! My credit report will be affected and I just applied for a home loan and I'm really angry regarding that.

This is regarding the fund transfer from London to UAE and the fund disbursement-compensation for us to discharge the hospital bills. We need to know when is the date the fund can be transfer. Feb.10, 2010 was the 1st email from Mr. Godwin M. to inform Mr. Simon J. N. that the fund present status is non-withdrawable. Mr. Godwin M. wrote: "We vouch our right to honor your instructional request to transfer the fund into any account of your choice. We shall commence work on this once we have the account details you want us to release the fund into." Mr. Simon J. N. instruct to transfer the fund into my (Keong **) UAE Standard Chattered Bank account.

February 11, 2010 we receive Mr. Godwin M's mail; he had forwarded to the Draft/Fund Transfer Section of the Bank. Hence, have been leaving no stone unturned to ensure that the stated sum is transferred into a rightful bank account. February15 we received mail from Mr. Godwin M.; he wrote that we have to pay for the national fund transfer charge and VAT. After we paid by Western Union we keep going to send the details of the payment but he didn't reply until February 22, 2010. We received Mr. Godwin M's mail; he wrote this the unaccounted delay in catapulting this fund into your bank account has partly been due to the delay in receiving the copy of Affidavit of True Beneficiary form from the British State High Court.

Last mail I received was March 8, 2010. The mail said as below:

"From the heart-felt collection of members of Staff of Barclays Bank Plc, we solemnly regret the incidence that occurred in our banking hall which lead to Mr. Nelson J. S.'s being hospitalized. We however humbly bring to your immediate attention that his fund will soon be transferred/credited to your provided and verified UAE Bank account with a monumental compensation of Ten Thousand Great British Pounds (GBP 10,000). We sincerely apologise for all that ** in the past few days. And still solicit for your further understanding and cooperation. Thank you very much. While we hope that Barclays Bank Plc's letter of will meet you in good fate."

It was more than 10 days since--we still have not got any response to us in order to discharge Mr. Simon J. N. We are waiting the fund to pay for Mr. Simon J. N.'s hospital bills. Mr. Simon N. is now still in Addenbrooke's Hospital, Cambridge since February 23 from normal ward he was forced to transfer to charity ward. Please kindly advice. We need the fund to discharge Mr. Simon J. N.

I had a Barclays Bank Mastercard through the Carnival Seamiles Program for approx three years. I used the card mostly for emergency situations such as car repairs that type of thing. I never charged the card to its maximum credit limit which was $3,000. However, it eventually reached its maximum due to interest charges and late fees during a two-month period where my payments, although substantial, were late. My husband had gotten injured and had been out of work for several months and therefore we were late making some of our monthly payments.

Once they start tacking on late charges and interest then the balance goes up and then they began charging over limit fees when it was their charges that put my account over the limit. I try to make payments that are more than the required payment as we all know that doesn't accomplish anything. As I started to catch up on my bills and my husband recovered, I paid my Barclays bill in full as I wanted to eliminate the interest and I wanted to remain in good standing so that I could retain the account for emergency use if needed. I had never received any notification that my account was being reviewed or in jeopardy. I had spoken with a representative when I paid the account and I asked at that time if my account would now be current and in good standing and he told me that it was.

I paid Barclays Bank $3,640 my account at that time was not quite 60 days delinquent due to personal issues I have explained. My account now is at a 0.00 balance and I have been notified by Barclays a week after my payment has been processed that they are closing my account because I do not qualify for the account any longer due to my payment delinquency. I find this quite interesting after I have paid them in full and paid all of my penalties such as ridiculously high interest rates of 27% and over limit fees. I also find it bordering the unethical. I could have gone through a credit card service and had the interest and penalties removed or negotiated and paid probably half of what I paid and lost the account anyway. However, I wanted to pay what I owed them and remain in good standing. I think that this was very poor customer relations on their part.

The credit department representatives and manager with whom I spoke were all very rude and unprofessional. I am a professional person and my husband and I are both responsible and intelligent people. When the representatives of this company spoke with us, they assume that you are some kind of losers and have no idea what you are talking about. I never heard of Barclays Bank before I received this credit card. Now I understand why. Their business practice should be reviewed in light of all that is supposed to be being done to eliminate the unfair and unethical practices of banks and creditors in this country and the way they have been taking advantage of consumers and ruining our financial structure.

I am not at all concerned that I no longer have a credit card with Barclays Bank. I do not choose to do business with such a company. I don't really use credit cards unless as I say it is an emergency situation. People do encounter difficult situations that are justified and sometimes have to struggle to make ends meet. It is just very frightening to think that there are companies like this one who are very willing to take advantage of people in those situations. It is very likely that I have contributed to yet another bonus for a bank CEO. I hope they enjoy it. I am an nurse. I would have no idea what a bonus is.

They don't answer emails, errors were made when they did respond, they were unable to explain themselves over the phone and they were misleading to the point of being fraudulent.

Barclay's Bank is committing what I believe to be illegal, immoral and unethical business practices with regard to their credit card holders. They are manipulating, even good current customer accounts, to make sure they have the highest interest rate, and fees every month. Where can I report the activity of unethical credit card companies for investigation? Today more than ever, people cannot afford to be forced to deal with legalized loan-sharking. Thank you.

I have been called by Barclay's debt collectors/call center before 8 am, my time twice in the past 2 weeks, once at 6:30 am, and today at 7:30 am. I have been harangued. They call daily, sometimes every 12 hours. I was told to go to a blood bank and give plasma in order to get money for a payment. I have been asked how I can afford to eat, how I keep the lights on. "I hear a TV; sell that for a payment." I have lost sleep due to the stress and the early morning calls. I am afraid to answer the phone. The stress has caused me depression, nervousness. I have lost weight due to the stress. I have been forced to consider bankruptcy. I have sold most of my personal possessions in order to find money for a settlement.

I received my March bill and my 0% interest rate was now 28.99%. I received absolutely no prior notice of this happening. I called customer service and was told there had been a mass mailer that went out stating this would happen and to cancel the account by February first to avoid this. I never received this supposed mass mailer and there was no other notification to me. I am now stuck paying 28.99% on my balance or coming up with $1,065 by March 7, 2010 to pay it off. They offer no other options to me. I must pay 28.99% on my balance. I have perfect credit, I am out of work and cannot afford this. I have a mortgage to pay and 2 kids and a sick wife to support.

This card was originally a Bank of America US Airways Dividend Miles VISA. It changed to a MasterCard and eventually was transferred to Barclays. After the transfer occurred, I received no statements for 2 months. Upon receipt of a statement finally, it showed a past due amount of 2 months, plus the current month's amount. Like most consumers, this was not an amount I was capable of paying in one payment.

So, my plan was to pay the amount in installments over a 4-month period, catching up after paydays. In essence, I had hoped to make 2 payments per month, or 3 payments per 2 months, which seemed to certainly be better than the typical monthly payment. This obviously did not seem to be an acceptable approach to Barclays, which made a phone call. First, they accepted no responsibility for the missing statements. Secondly, they were unwilling to accept any type of installment plan. So, finally, we set up a 3-month automatic draft to catch up on the overdue amount.

Once this period was over, they were to send me a statement for my normal payments to occur the next billing period. Well, you guessed it - I received a statement a month after the billing period showing a past due amount for one month. I am not disputing that this amount was due. The math is correct. On the statement, though, it shows plainly the due date of the past due and present amount. A week prior to this due date, the phone calls start. I spoke to an associate on the first call and explained the problem.

The associate wanted to document that I would be submitting the total amount due by the following week. I told her that this would most likely be impossible and explained the entire statement fiasco again. She simply said that the phone calls would persist until the payment was received in full. She was right. I received calls at 8:00 AM Saturday and Sunday mornings and calls as late as 8:15 at night. When I finally agreed to speak with someone again to indicate that I had paid the amount in full before the due date, she could give me no substantial reason as to why I was receiving calls for a bill that never indicated an amount due immediately.

On this last statement, both the past due amount and the current amount were listed as due on a date that had not yet come. On top of it all, I received a statement during my 3-month automatic payment showing an amount due. When I spoke with someone about this, they had no clue about my payment plan. It seems that everyone I have spoken to at this company has trouble understanding my payment history. I know these callers are the front line, but the ineptness and unprofessionalism of this company will result with my closure of this account as soon as possible. Do not establish credit with this company!

Approximately 9 months ago, I did balance transfer to credit card for 3.99% APR to expire 2011. In December, I was notified via statement that the interest rate was now 29.24% due to the fact that my account had gone over my $10,000.00 credit limit when the balance transfer was approved. I disputed the rate hike with the credit card company to no avail. My February statement (1/18-2-12) and the automated system both showed a balance due of $9409.24. On Feb. 3rd that amount was once again confirmed and a payment of $9500.00 was received on that date. On 2/13/10 at 10:15a.m. I spoke with "Jasper" who confirmed I had a credit balance refund due of $90.76.

I requested that my money be sent to me and that my account be closed. I received a new statement (2/16-3/13) with a $114.00 balance due. I spoke to "Reg" who told me I owed the money for interest on a balance transfer. There had been no purchases or balance transfers on this account for at least 9 months. My statement shows my credit balance refund on 2/15/10 as purchase activity. My request to speak with a manager through "Megan" on 2/25/10 was refused and I was informed also that my account was open and active; it was never closed as I had requested on 2/13/10. Subsequent calls to the company have resulted in my being placed on hold indefinitely with no one ever speaking to me. I have an 800 credit score and do not want a blemish resulting from questionable billing practices.

I used a new credit card to pay a bill of $39, sent in the full payment and they never posted it for 3 days, then charged me $2 late fee or some such **. I only found out by email, Then they sent a bill for $43.95 for what, I don't know. These companies see your birth date of 1933 and figure "golden cow". I spoke with 3 different reps (one wanted to go halves with me). I agreed to a seven dollar charge and now comes more bills for $39.95. We will put a lawyer on to the case shortly. These people are thieves! ! shall cut up this card today and tell all the world about them and Del.

After about 2 years with this credit card company, one day they lowered my credit limit by $300, which put my account balance over the limit, and then stated they were raising my APR to 24%. I didn't want the increase, so I opted out and closed my account. Then, they kept charging me over-the-limit fees, $39.95 each every month. They then raised my APR to 30.24% because I was over the limit. Each time I tried to decrease the amount I owed on the account, it went back up over the limit again with interest fees.

Barnes and Noble under the Barclay Bank Credit Card system is truly an scrupulous company. I made a change of address via phone call to Barnes and Nobles under the Barclay Bank. I have yet to receive a statement on my account. I called to verify that Barclay had my correct address. They didn't. Instead of changing my address, these criminals put a over 30 days late on my credit report. That is one bad experience. The other bad experience was when I made a payment by phone which was for the full amount owed, so that I could close out my account. This company accepted my pay off over the phone and I asked the representative to roll my phone payment into the pay off amount so that I could close out my account.

The customer credit manager said that Barclay had a policy that did not allow for phone payments to be rolled into the pay off amount. As much as I tried to explain that I wanted it done so that I could close out my account, the representative refused. The credit card manager said that I would be billed for the $15.00US with my next statement. I called back and asked if I could pay off the $15.00 by phone. I was told I could, but that the $15.00 dollar phone payment would be billed the following month.

Do you see what is happening. Barclay will not allow you to roll your phone payment into your bill to pay it off. Instead, they want to bill you and add the finance charge to the $15.00 so that these bastards can make more money. My suggestion to anyone who has a Barclay Card; be it a Barnes and Noble Card, or a Frontier Card, or whatever card you have with Barclays to pay off your account and close it out.

Because of the negative report to the credit bureaus, I was denied a loan for a home. Just one negative report and that ended my chances of buying a home. This company, Barclays Bank is sorry and should be made to compensate those that it has hurt.

Paid off credit card. Balance should have been zero, but when I checked they had charged me an interest fee for the payoff. Told me it was for the credit card company that had paid them off. I checked and it was not true.

As of August 2009, I had a balance of approximately $4,390 on my Barclays Bank DE/Juniper account. I was keeping current on my account until July 2009 when I was laid off from my job, so I started to take steps to resolve some of my unsecured debt. I contacted a financial counseling service to assist me with the four credit cards I had balances on at the time, including Barclays Bank. We were able to set up an affordable payment plan with all companies but Barclays Bank. Barclays refused to accept the program. They also refused to give me any kind of a hardship adjustment.

Since then, my account has been turned over to their collection agency, West Asset Management in Omaha, NE. I received a few settlement offer letters which were completely unaffordable to me, asking for payments of $200+ per month. The most recent letter I received was in October 2009, stating a balance of approximately $4,690 ($300 of added interest in four months time) seeking the full balance. No other offers have been received since.

Just checking online today (February 2010) to see what the status of this account is, and I find a balance of $5,390 ($1,000 in added interest since August 2009). At this point, I do not know if I will ever be able to resolve this account delinquency. For what it is worth, I am keeping current with payments through the financial counseling service to all of my other credit cards, and have managed to keep my mortgage current.

I have had this credit card for 3-4 years and had paid on time every month. First of all they have the minimum payment set up so low that when you get close to your maximum balance, you will always go over the limit and have a fee. Secondly, I tried to pay off my credit card because I got sick of their games of low minimum payment and over the limit fees. I was told what the payoff was and sent in a debit for that amount. I also told them I wanted to close my account and wanted a letter to prove it.

I received a letter in the mail a week later. I also received another statement in the mail the same week for guess what--an over the limit fee and an interest charge. I called them and was given the run around (of course). This over the limit fee had not been posted before I paid it off (you think!) and I asked about the interest charge. What is this compounded on? She could not answer me. I have still not gotten this taken care of. I am just mortified that credit card companies can do what they want when they want.

Juniper credit card charged me an over the limit fee due to finance charges accruing on the account. The representatives said they could not waive the fee and was not able to help me any further on this issue. At this point I asked for a supervisor. The representative put me on hold for a few seconds and told me his supervisor was not available. I try to explain this to them, "If you look at my account, on 2/13/10 my balance was 1467.44. I also sent your an copy of my e-mail alert verity what my balance on 2/13/10. My balance was $1542.49. I made a payment of $75.00."

So that leaves me a balance of $1467.44. They are charging me twice for the same thing one in January and now February. How can you charge me over limit fee on the 2/16/10? According to my calculations I had $31.44 on my account. I did not charge anything, so where did you get the over limit fee? With my interest fee $22.02, my balance should have $10.49 on it. All I am asking for you is to remove that over limit fee and give me back my correct balance. I have been a customer for years with you all and never had a problem until now since the new laws for credit card. If I can't get this removed from my account, I want to know who is the next person I can contact about this because I don't have money to give away. Please e-mail me the next step I need to take to clear up this matter. This is what they sent me back.

"We apologize for any inconvenience this service charge may have caused you; however, we can certainly assist you with your concern. Please be informed your account is assessed an over limit fee for any one day your balance exceeds your credit line during your statement period. The Card Member Agreement states that anytime your account exceeds the assigned credit line, whether due to purchases, fees or finance charges, you will receive this fee. The over limit fee only posts to your account when your statement closes. When making a charge to your account, please keep in mind any interest that you normally receive on your statement.

Upon review, the previous statement balance that was carried over to the next cycle was in the amount of $1,542.44 which was over your credit limit. Therefore, you were automatically assessed with an over limit fee when your statement closed on February 16, 2010. May we suggest to process more than the minimum payment to bring the balance below the credit line before the end of your cycle, so that when you enter the next cycle you will not be assessed a service fee. The suggested amount to pay to bring your account into current is at least $110.00. This payment should be processed before your cycle closes on March 16, 2010."

I have an Air Tran Visa issued by Barclay's. I've used the card a couple of years now and have never been late with a payment. I switched banks and incorrectly stated the new account number on their website. The payment was not able to be made and six days after they called me, I got my checks out and straightened out the mess. I thought that would be the end of it. Instead, they charged me $39 for the payment not going through and $39 for a late payment and raised by interest rate to 30.24%! I feel they're just looking for reasons to jack up your interest rate and make money on bogus fees.

I had an issue with my card in Brazil. They told me they would send a new one overnight. After them lying to me for six days, they finally admit it was never sent leaving me stranded in Brazil.

Set up an electronic payment through my bank to pay the Barclays Visa in full one day prior to the due date. Little did I know that they do not work weekends and the payment in full was deemed late and posted 2 days after the due date. They assessed a 40% late fee. I am surprised and angry. I canceled the card and will no longer buy from LLBean until they can Barclays Bank.

We are getting 8-9 cell phone calls per day everyday from these people. They are calling for someone who used to have our cell phone number. And even though we tell the foreign person calling that this is not their phone, they refuse to take us off their lists although they say that they have. This is harassment and Barclays Bank must be held accountable for their incompetence and undue harassment! This is totally unacceptable and must be stopped!

I had a card with this bank and I got behind, as the economy affected my business. I enrolled in their hardship program in March of 2009, agreeing to an automatic payment of $50 to be deducted on the 3rd of every month. First, they changed my payment date to the 23rd of every month. I went with it after complaining and having no results. Well now it is January 2010 and they have dropped me from the hardship program for missing a payment, which was deducted from my account on January 25th.

I do not think that it is fair for them to disregard a contract that they made with me, when they have been automatically taking their money every month and now they say they didn't get a payment and are charging me late fees and harassing me (calling 6 and 7 times a day).. It is unfair and outright shady, the way they have done business. I have tried to work with these people, but they are not willing to stand up to their own agreements. It is hard for me to work when my phone is consistently ringing.

I made a late payment due to distraction of the death of my father in December and also having a hard time because I didn't have a job. So they took my original interest rate of 7.99% and put it at 30% which made my minimum payment go from 39.99 to 145.00 which I cant afford. I called to try to get it lowered and they refused to help.

We purchases an Apple computer for our son to use for college. We started out with Juniper Bank and they were okay to deal with. They changed to Barclay Card US and since then, it has taken at least ten to fourteen days for my payments to post to my account once I mail it and in the meantime, I am receiving harassing calls about my late payment. I am mailing the payment in plenty of time for it not to be late.

Just last week, I received fourteen calls from them in one day (four at home on my answering machine, four at work and the rest on my cell phone). I told them what they were doing was harassment and I had made arrangements with one of their customer service agents but they said no notes were in the computer and they would call again. I told them that once I received my statement, I would be paying the account off in full. He told me that I had to do it over the phone right then. When I told him that I didn't feel comfortable doing that, he told me that his company would continue to call me until it was paid. I can understand calling if payment is late, however, this is the only company I deal with that does this.

The last call I received was Sunday morning at 8:30am, as we were leaving for the church. I kept telling the person that I was walking out the door for church and he kept harassing me to pay over the phone. I finally had to hang up on him. A check for the account balance has been sent to their company but I feel what this company is doing is wrong and felt the need to report them to as many agencies as possible.

I was asked by my supervisor to make sure that they didn't call at work which looked bad on me. I have absolutely no other companies that I deal with do me this way and I am embarrassed and humiliated.

Barclay Bank who has Airtran Visa is a rotten company. I was never late on my payments and then they decided to raise my interest rate to 29.99%. I then started to pay my minimum payments that they sent to me on a statement, however when I paid the statement, the next statement came in and on the statement, there was an over the limit charge.

I called Barclays to inquire about the charge and I was told by the rep there was a finance charge and with that finance charge it put me over the limit. The rep had no answers for me when I asked why wouldn't the finance charge be included in the minimum payment. All the rep did was argue with me. Doesn't the consumer have any protection against this sort of stuff?

On my last bill, I was charged a late payment fee and I was not late. I always pay my payment online through my bank. I paid my bill on the 9th and have proof from my bank, my due date was on the 10th which when I got to looking had been moved up from the 14th. They did not post my payment till the 16th and said I was late on my payment. I have never been late on this payment and always pay it in full every month if I use the card. It is paid through my bank on a set date.

I have contacted Juniper and Barclay and received one email saying I would hear from them within 48 hours. It has been more than 78 hours with no response. This will ruin my credit if they report this to the credit agencies. I have really good credit and want to keep it that way. I think I have been had and I want them to clear this up. I have proof from my bank that it was paid on the 9th, the due date was moved to the 10th from the 14th without any notice from them. My payment was not late and I should not have to pay the late fee as charged. Can you tell me what I can do?

Barclay took advantage of the time prior to the new bill coming in to play and spiked our interest rates up to 29.99%. We found a reputable debt management company who is working with us and our other credit card companies in lowering the interest and reducing finance charges so that we can pay off our debt with one exception, Barclay/MasterCard, specifically an Apple/Juniper card. All the other companies have come on board with us except them.

No matter what we do, they will not work with us or our debt management company. The card is closed and we've been paying their minimal amount for years, but now on our debt management plan pay $43 a month. But still Barclay charges us a $39 service charge and a $37.67 Finance charge. We continue to make payments, and yet our balance is going up, making the charges and payments go up! We are at the mercy of this company saying no, they won't work with us and won't lower our interest. They're currently charging us 27.24% interest. Not only does this create a negative report on our credit, but more importantly, even though we are consistently paying on this card, the amount due continues to go up even though the account is closed. They are charging us money just to carry the balance. We have called numerous times and still they say no, they will not work with us. They will not lower rates, they will not lower payments, they will not give us any reason why or direction what we can do to change this status. We cannot afford to pay them any more than the $43 per month.

In January '09 my mail in payment was lost. By the time I found out I had a late payment on my account. The customer service reps did not care and this late fee stayed on my account which raised my interest. Upon asking how I could correct this, a rep told me that my account would be reviewed in 6 months and the rate would drop providing I had no more late fees. Ok, so I continued to pay my bill on time at the higher interest. I called customer service again in June to inquire about when I could expect a lower rate. I was told that my 27% would be dropped to 25% very soon. This never occurred. After a few more months I called back and was told that all accounts are reviewed yearly. When I received my bill in December for January, I was mortified to see my interest was now raised to 30%. I called right away and asked to speak to a supervisor and was told by Alan that he could do nothing about it.

By this time my husband had been laid off from his job and we were just trying to make our house payment. I called again a few days later and asked for a supervisor or manager and was told they would call me back in 24 to 48 hours. I never received a call. I called to inquire why and was told by Eric in the Philippines that if I could hold for 2 more minutes, I might get a sup on the phone. He could not tell me if I would get to speak with a sup or not as the phones are randomly answered. My payment is due January 11th, $196.00 and $195.00 is interest. At this rate I will never pay off the account. This company appears to be taking advantage of folks, especially before all the new laws take effect. They are setting people up for failure. Don't they realize that if they can't help people in this difficult economy then one might be forced to file bankruptcy? Maybe they don't know that something is better than nothing. If they can't help me and I can't pay my payment, they get zero. In all honestly, whose table would you put food on, yours or Barclays? All I wanted was a fair interest rate. Is this legal what they are doing?

My husband is out of work and we are trying to keep a roof over our heads. I want to pay my bill, but I just need a lower interest. This should be against the law to keep raising the rate, how high can they go? I feel like I am going to have a nervous breakdown over this. I cry most every day about it. They, Barclays, are not worth our health. Thank you for any help you can offer.

I was charged a bogus late fee of $19.00 on an AirTran visa card. They held my e-check for a few hours into the next day, even though it was sent on the due date. I have been unable to reach the next level of customer service above the Philippine call center, even though I have their phone and fax (neither of which can get through).

Policy in question: Barclay Bank Visa - if you make more than one payment in a billing cycle, it is their policy to "hold" available credit for 7-10 days. Despite the payment having been withdrawn from my checking account and credited on my Barclay account as "paid", they won't authorize use of credit card for the available credit.

My Example: I have this BarclayVisa credit card for my daughter in college (in another state) to use for gas, and other essentials. It has a $250 limit, so it is very small. My daughter travels some to show her horse, so it has been used frequently this past month. As a result, I made a few payments to the Barclay Visa this past month to make sure she had available credit when needed. Payments made: $200 was paid from my checking account on 1-6-10. In addition, I have an automatic payment of $50 monthly that posted on 1-5-10. Available credit should be $210 after payments.

My daughter called to say card was declined for $15 at Walmart. I called the Visa card number, and spoke to a representative who verified that my recent Payments of $50 and $200 have been credited to account. But the rep advised me that when more than one payment is made in a billing cycle, there is a "hold" placed on any new charges for 7-10 days. I thought he was crazy.

I then spoke with a Supervisor who told me the same thing. I explained that I made more than one payment to assure my daughter had available credit as she is out of state and traveling. Nevertheless, credit will not be available until Thursday Jan 14th! I ask you, what is the use of a credit card, with available credit, if you can't use it when you need it? Why am I penalized for paying on a credit card more than once in a billing cycle? This policy is unfair, not a service to consumers and is not the expected service I signed up for. My daughter is 1000 miles away without use of credit card for gas, food and other essentials. This was to be her safety net.

I paid the account off in full on August 2006. Barclays Bank sold my note showing an unpaid balance because they did not credit payment nor showed the account as being closed. They reported it to the Credit Bureaus as charged off and note sold, yet when you go to their online website with my account number, it shows on credit report that the account was paid in full with zero balance. I have been fighting this for 4 years with every collection agency that buys this fraudulent note paper. I have filed formal complaints with every agency, Fair Trade Commission, disputed with all the credit reporting agencies, Barclays Bank and I am at wits end trying to get this whole scam over with. Has anyone else had to go through this? This is causing extreme distress in all areas of my job and personal life due to the fact I paid it off and I am always in fear that I will be hounded once again by another threatening collection agency.

Several years ago, I was traveling from Florida (Orlando Airport), whenn I was approached by someone from Spiritair about applying for a "Free Spiritair MasterCard". I wasn't feeling well that day, because I suffer from Parkinsons Disease and I explained it to the lady. She said no problem, she would help me fill it out. I filled out the application and was approved for $3500. I always paid on time, until recently, because I'm on Disability. I emailed them and explained my situation and they were nice enough to change the due date. But, they also had raised my APR to 29.99%, without notifying me. When I emailed them about it, they immediately mailed a letter notifying me about the increase in the APR. A couple of days ago, I called to see if they could lower the APR,sothat, I could start adding a couple of dollars more to the minimum payment, and I was told NO.

Interest rate jumped from 12.24 to 29.99% on December 5th (day after my statement). I didn't see it until today when I went online to make a payment.

When I called, I was told the increase was due to late payments and over limit fees from 7 months ago! Last year I was charged $39 in 1/09, 2/09, 5/09 in over limit fees and $39 in 3/09 in late payments when they increased my rate to 29.99%. All fees were reversed and credited to my account in June 09 and the rate lowered to 12.24%. (Due to complaint I filed with the Federal Reserve)

I did file for help with the Consumer Credit Counseling Service, however Barclays would not accept the offer. I was told that they have not accepted ANY offers from CCCS. This morning when I called Juniper I was told that because the increase was due to overlimit and late charges, I do not have the protection of the new credit protection laws.

My husband has taken a substantial decrease in his income in the last 2 years and my income has also dropped. This increase poses a financial hardship.

Juniper alleges my payment posted beyond the 1/13 due date. It posted on 1/15. The next due date for February is 2/15. It moves again in March to 3/17. They use a 25 day period which causes the due date to fluctuate. This one alleged 2 day late payment resulted in my interest rate to jump from 8.77% to 30.25% I find it appalling that they can get away with this. After contacting them, they said they could lower it to 29.25%.

I have an otherwise perfect standing with Juniper. This appears to be Juniper Bank looking for an excuse to raise my interest rate substantially prior to the new banking rules going into effect in February. Please help! My minimum payment increased from $77.00 to $101.00. The interest has nearly quadrupled. I will need to result to settlement rather than continue to pay the minimum payment.

I bought mens shoes from GOOGLE mensusa Inc on 22 Nov 2009 and my Mastercard was Billed $109.00. I have received nothing and disputed the charge with Juniper. At first they were very helpful and assigned case # 008-649-048. Then they dropped the case saying they couldn't help me because I didn't have a resolution date from the merchant. The merchant won't return my phone calls so it's not possible to get information.

I really need help. I don't want scam operators to get away with this. I will provide all the info I have to help. I want a credit for $109.00 and this merchant to be shut down. My case ID was DP 0250066. Plse contact me at hotmail and I will do anything necessary. $109.00 and a ton of time.

I had been paying on my credit card the entire time while being layed off the minimum due at the time was $28 dollars i sent them $60. when I recieved my next bill it showed a balance where they only gave me credit for $3. dollars so I after talking to tem numerous times couldnt get them to see my side . now after desiding I would never pay them fianlly a american with brains call in december a kim p se talked to me got things straighten out for me I am now back on a payment plan a imade a payment my next one is due on janruary 15th of 2010 this to dated is december 28th 2009 and yet i am recieving daily call harrassing me about a payment that is not due yet you would like me to pay so you don't lose your end and yet becaus i will not allow the ability to just take money from me at your convienience you see it a good thing to harrass me with calls on the phone daily well end result will not be good if this continues so please get this stopped ..

Juniper keeps raising my rate, says I am late, mailed payment 8 days and they said they got it late one day, so they charged me a $39 late fee and I borrowed $2,100 and sent them because they charged me 29.9% to lower payment. Then they said they lowered my account from $4,00 to $2,000, so the amount was at the limit again. Then they told 3 credit cos. that I was excessily late, (I was late 2 times)in yr. They raised my rate to 30.4% My payment out of $100, $99.64 went to interest, now$87 goes to interest. Why am I penalized? Husband lost job 1 yr ago, we lost house, they will not help, are rude and mean....Want to file law suit, plan to borrow to pay off cannot live like this worried over Juniper...

Applied online 11-27-09 for barclaycard to make Apple computer to take advantage of no interest for one year. Application delayed so used other Visa. When barclaycard came through 11-30 I requested via phone and email balance transfer - called back 12-16-09 barclaycard had no record of request. Am closing card. Will have to make payment on other visa and pay interest.

This charge card company has not followed procedures. I requested a hardship for my payments; they was suppose to reduce the interest and no service charges. I have not received a statement, I do not know if the interest was reduced, they refused to accomodate me on making payments through the website or by their phone system. They closed out making payments on line and on their telephone system. They do not send me any statements, the statements stopped April 2009.

I contacted the company, requested a name, i advised them I was sending a payment for december and january. the representative said okay. I sent a payment for January through an electronic check from my bank account, I sent January payment by check from another account. The person I had spoken to was "foeur", that is the name she gave me, no extension or first name. I was unable to send a payment from a bill statement because I have not received a statement since April 2009.

Company unwilling to honor a letter stating if I do not agree with interest rate increase of 30.24 I had the option to cancel credit card and retain prior interest rate. I called Barclay and was told my Dec bill already reflects the new interest rate and there was nothing that could be done. Account has been closed but with interest rate of 30.24%. I have filed a complaint with FTC also.

We fell behind a few months due to no work for husband. I cashed in my 401K to pay my bills. The account was turned over from Barclays to West Asset Management in March 2009. We agreed on a 50% payoff as paid in full ($2300). I received letter by fax and gave authorization for payment. West Asset Mgt. cashed check. In April, 2009, I checked my credit report and the barclays balance had dropped by the amount I paid and was reporting okay. I called West Asset Mgt and they said to be patient this takes time to update. They sent me a letter confirming the bill was paid in full. Then over the summer, Barclays sent me off to another collection agency. I sent them the letters and they stopped bothering me. In the meantime, Barclays keeps putting negative inquiries on my credit report monthly and increasing the balance. I have spoke to West Asset Mgt numerous times and they tell me they are telling Barclays this account is all set. The people at West Asset have been nice about this and they know my frustration.

So, I sent a letter to Barclays last month with copies of their agreement, the payoff letter, and a note saying it is against the FTC act, section 623 to not report one's credit information correctly within 30 days. So, this past week was 30 days and Barclays put the account in charge-off state for what was the original amount + another 3K in fees, finance charges, and over-limit fees. I again called West Asset today and they said they would try again. In the meantime, I have filed disputes with all 3 credit bureaus and they come back with Barclays verified the info has correct. I am concerned that they will sell this again to someone else and I will have to deal with them. Plus, they are ruining my credit. We, like most people, are trying to get by in difficult times and we did our best to pay. One thing I neglected to tell you is that I never received statements until this past August when I received a statement from Barclays. The statement was received the end of August with the payment (that I didn't really owe) due on Aug. 10th. That is the only statement I have received from Barclays since 2008.

Thank you for your help.

Due to finical hardship I asked for a one month reprieve on my payment. They called and said if I was to make a payment that day we could continue on with my regular payments. Well that rep lied. This has become a nightmare with calls all day every day and most nights. Now I just let them know that I am recording their call and was informed that it's against their policy to speak with me while being recorded. Is there anyone out, there who can help those of us trying to get back on track, deal with this bank? Is a class action suit possible?

I haven't applied anywhere for CC & I was urgently needed money, since I wanted to travel to United Kingdom, now I don't have enough time to apply card. Looking forward your response asap, otherwise this conversation will be carry forward to higher authorities. Thanks!

Since 2006, I have never been late. Over the past few months I had minor charges that took me over the limit. After speaking with a rep by phone, I was told to pay the $60.00 over the limit and the fee would be waived. To confirm, I emailed and received a return msg. waiver was denied - I was advised to submit $160.00. I looked online today 11-16-09, there is another over the limit fee and of course the new interest rate from 8.9% to 14.99%.

We have been trying to work with Apple Juniper/Barclay card to lower our interest rate and more feasible monthly payments. They have refused. We started working with GreenPath Debt Management company in August. ALL the other credit card companies have been wonderfully supportive of us, have accepted GreenPath's proposals, and our debts with those companies are reducing.

Apple Juniper is the only company who refuses to work with GreenPath and refuses to work with us in any way. The bumped our interest up to 29.99% for no reason (other than they knew the government was going to crack down on it in 2010), they charge us a $39 a month late fee, all for a measly $1800 charge.

If they would stop charging us such extreme amounts, we would have had them paid off by now. When paying online, many times they're website says the payment was accepted, but then doesn't post it and we end up with a late fee on top of the outrageous charges. This credit card has been closed for 3 months and yet the amount due continues to go up because of the charges they add to it. At this rate we will never get this card paid off. We are on a very strict budget and have no other means to pay more to them than is already budgeted.

Last December Juniper Card Services contacted my wife, who was not even on this credit card account, telling her that Juniper or Barclay Bank had a program to reduce my credit card interest rate. The program was to repair my credit, if there were any problems, reduce my bill to $29.00 for 6 months, then at the end of six months my interest rate would be reduced to a low rate. My wife had to agree to have the $29.00 deducted from our joint checking account for the six months.

My wife informed Juniper that she was not even listed on the account and could not make any decisions for me on this credit card account. The representative told her that she could make the arrangements to help me and that it would be legal and accepted. She agreed to the program,if in fact, it would lower my interest rate to below 15%. The representative informed my wife that it would lower my interest rate. During the six months no interest was to be charged to our account, no late fees (the payment was taken out of our bank automatically for the six months), no other fees were to be added to the account.

At the end of six months, I was to see an interest rate reduction and start making regular monthly payments again. At the end of six months, I received a statement from Juniper and they had added over the limit fees and late fees and increased my credit card interest rate. I called them and had informed them that they had made the mistake of adding the fees onto my account. I told them the interest rate was supposed to be lowered. They would not remove the late fees, the over limit fees, nor reduce the interest rate as agreed. I told them I would not make another payment until they repaired their mistakes. They have not made anything right as of yet and it has been several months now.

I am not sure if you deal with this issue or not but it is worth a try. The name of this company is juniper and this is a credit card company. I obtained a card for this company in the amount of $300.00. I pay my credit card bill on time but this company continues on a monthly basis to charge me late payment fees and over the limit fees even when I pay them on time.

I called and tried to resolve the matter with several supervisors and also customer service representatives and i also wrote a letter and never received a response. I asked them to remove the charges and they refuse to and I have even sent them double the minimum payment and they continue to charge me the fees and it is the same thing when I call them every month if you just send us the minimum payment plus the finance charges and the $39.00 late fees we will no longer charge you the fees. i did this 3 times and i am still being charged the fees.

I don't know what to do at this point and I feel like I am talking to a tape recorder because I get the same answer everytime i call. I just wonder how many more people are going through the same thing and just don't have any idea what to do. This needs to stop. If you can help me with this matter please let me know if your company does not handle this matter I apologize for the inconvenience. I have never seen a credit card company who as a courtesy refuse to remove a late fee or over the limit fee for their customer as a courtesy. This company refuses to do anything and they don't even respond to the letters of dispute.

In Summary, 1. Barclays obtained my Social Security # without my permission and against my wishes; 2. Barclays claims that the credit card agreement make them exempt from state laws regarding the recording of phone calls.

A little over 3 years ago, I was in an airport returning to Chicago from New York when I was approached by a sales person from Barclays Bank US Airways Mastercard inviting me to sign up for this credit card that offered mileage rewards. I was offered a free clock/calculator just for applying. I told the sales guy NO, I cant afford to get a credit check at this time because I was in middle of an important home refi. He told me, oh no problem there wont be any credit check... I told him I didn't believe that would be possible. He told me to re-assure me I would not even need to give my social security #. At that point, I said OK what the heck, I got nothing to lose expecting no credit card approval either. Well...wouldn't you know it, I was approved, but my refi was declined while I came up 4 points short on a credit check in the end after my credit score was lowered due to the credit check Barclays Bank did on me without my consent. I have been arguing this point with them for quite some time now and had even reported this to the FBI & homeland security as some shady bank practices that should be investigated. My point was if I never provided my SS#, then where did this bank get it without breaking major identity and privacy protection laws. I asked for evidence that I signed any document (app) with my SS# on it and they sent me a computer print out with my SS# on it without my signature. The printout also listed my dogs name as my mothers maiden name, which I sometimes used for some other private financial accounts I had with OTHER banks. I have never used my dogs name as my mother's maiden name and find that insulting. I really wonder where they got that private info.

OK, so while I'm already believing that this bank thinks they are above the law, they called me recently regarding some late bills. Each call was recorded without prompting me at the beginning of each call that I was being recorded or without asking my permission as is required in my state of IL. Each time they called I reminded them of this law and the fines and penalties they could face for continuing. They denied the law and claimed they had right to record me against my will. I even had to fax the lawyers of Barclays info regarding these laws, since they seemed NOT to know. I even sited a case between someone in Georgia against someone in California where both states have different laws. The case was decided in favor of the person protecting his/her rights in the state that prohibits recording without consent. They still have not gotten back to me regarding this and still have not resolved the SS# issue. The illegal credit check they made has costed me 10's of thousands of dollars in higher mortgage payments that have triggered an endless downward spiral of my credit rating that I have NEVER recovered from.

Additionally I have spent countless hours trying to resolve these matters with them over the phone and through fax.

I have had a Midwest Airlines Mastercard for several years, prior to it being taken over by Juniper, and then, later, Barclays. My husband is self employeed, and I work for him, so I generate no income of my own. Our son entered college and a card from our account was issued to him since he was 1200 miles away. I had been a good customer, often paying off the monthly balances. For the five years that my son was in school, he was not extremely cautious about using the card, and the balance started to rise.

At one point he used it to pay the semester's tuition, not smart, but we were working and continued to make payments while they continued to raise the credit limits. Suddenly they started raising the APR to a whopping 28.8%, which meant for every payment made almost 1/3 of it went to pay the finance charge. Although struggling, we were getting the bills paid, although the card has not been used to make purchases for a year. A year ago I had to have surgery on my foot that left me totally incapacitated, forcing us to hire someone to take my place.

Right on the heels of that, my husband was stricken with severe back pain, incurring medical bills and losing the ability to work. He had several weeks of PT, which did little to help, and has since been seen by at least 4 other doctors. My husband is a horse vet, and we have been hit by the economic constraints, more so because horses are a luxuty, not a necessity. Coupled with the fact that he was physically unable to work as before and the fact that clients are getting rid of horses instead of buying them, our income plummeted.

The phone calls started, and as long as possible, I continued to make the payments I could, but eventually there was no more money. We are holding on by a thread, but they do not care. I had an account with MBNA that I was struggling with, but they didn't go of sucking the corpse dry, rather, choosing to close the account, reducing the finance charge to 5.15%, and allowing me to make a monthly payment that is in keeping with our reduced income. In addition, with the automatic direct payment I institued in return, my credit now shows that the account was closed by me, and payments now are punctual.

It will take about three years to clear the debt, but they will get their due, and I can feel that I have done the right thing. I was told, apparently mistakenly, that all of the credit card issuing companies have a program such as this, but despite tearful explanations about our circumstances they insist I am not eligible for any programs they have to help people. I have made small payments in good faith which was supposed to make me eligible for their help, but the next caller from Barclays informed me that no one could expect that.

I have made payments as I could, spoken to them on the phone about our situation on a regular basis, having to tell the entire story to every single one of the callers, which should not be necessary if the information is being documented from our conversation. During this time I also lost my father, making trips to the midwest during his final days on earth. If they honestly think that I would choose to pay them instead of being at my fater's side, then they are sadly mistaken.

Although I have tried to set up a payment plan with them at a lower, more reasonable interest rate, the pat statement/answer is that I do not qualify for any relief programs they offer. The hounding is emotionally draining. I want to pay them, but I need help along the lines of MBNA's program. My husband, a year later, is only doing a fraction of the work he was doing two years ago, a combination of his health issues and an ailing economy. We are now seriously considering filing for bankruptcy, almost entirely because of the Barclay's account.

I want to pay what I owe, but if I can't find someone in their company capable of compassion, someone who can be responsible for the company recouping all of the amount due simply by giving me a reasonable plan where they earn a reasonable interest rate, whicle assuring the payment of the debt, then bankruptcy will be our only option. I am not trying to get them to cut the amount due in total, but simply asking for help now that our financil circumstanes have changed so drastically.

With Barclays it seems all about inflicting as much damage as possible, then berating the customer in any way possible. I am fighting an ulcer from this stress, my 62 year old husband cries from the strain of the situation, wishing on a daily routine that he could just die, things are so bad.

I know that this is not how it has to be, but, rather, what they want to inflict on anyone impacted by diminished income. If bankrutcy is our only option, then they lose it all in one fell swoop. I can't fathom a company that would prefer to take this as a loss just to penalize those who are struggling at this time.

The Juniper credit card I have is issued by Barclays bank. It started on 10/02/09 which was the due date of my payment, I went online as I have done since I got the card to pay my bill it was 15 minutes before the 4PM cut off time. I entered the payment and tried to submit it but their web site was acting up and it would not take it so I tried a few mor times it didn't take it by this time it was 3:55PM so I went to pay it by phone which I never had done, any way by thee time I finally got through all the steps it was 2 minutes past so it made me late and it submitted for the next day the 3rd.

I immediately called Barclays and told them the problem was with thier website and the person Raine told me he would make a note and to all back the next day and the late charge would be removed because it took a day to show up. Well I did that and they would not remove it saying I had no proof it was their website and charged me 39.00 unfairly when it was their fault I couldn't submit it in a timely manner one of their rip off tricks to get fees because of the new laws coming in soon.

Anyway I got my statement on 10/11/09 and now they have added a over the limit fee on 10/6/09 for a transaction that was submitted by mistake on 9/17/09 and corrected on 9/19/09 these are the transaction dates they could see clearly that these transactions wer'e done in error because they wer'e reversed as soon as the businesses one "Shoppers Discounts" and the other "Reservation Rewards" both for 12.00 totaling 24.00 which after the bogus late fee off 39.00 put me over the limit of 9.00 for the 2 day period before they corrected their error. Anyway Barclays saw this and still would not reverse their over the limit fee even after they saw that the businesses made an error and corrected it within 2 days now they have charged me 39.00 twice within a few days both un fairly. Please help me with these unfair practice's from the credit card companies who are doing underhanded tactics to get fees becauae they have been regulated.

I have had problems w/ my son and he has been in and out of the hospital. On July 9th I spoke to a supervisor in customer service w/ usairway mastercard/Barclay Bank she said that she got approval to reverse the terms of a 10,000 loan to 3.99 percent interest for the life of the loan. This change would take place immediately and would reflect on the next mos statement. This change did not take place. Every supervisor that I spoke to from Georgia, to Colorado, to the overseas call center gave me the run around saying just wait it should appear soon.

The opposite happened. They increased my interest rate to 16% and now they are going to increase it to 24% as of October 17th. Had I known they were lying, I would have cancelled the credit card and not borrowed the money from them in the first place. Customer service people can only say ...the bank over rode our decision. There is nothing we can do about it. Meanwhile I haven't missed a payment. I feel like not paying them a penny more.

It is my understanding that perhaps Barclay Card US Bank (Juniper credit card) is not following federal regulations regarding fair banking practices. I made a payment on September 7th this year, and the bank posted the payment immediately. Their people (several different ones) have told me that since September 6th was a Sunday, that the payment went in on September 7th, which was supposedly the next business day.

I have disputed late payment charges, as if my payment was counted on the next valid business banking day (September 8th), then I would have been showing that I made a payment within the banking cycle. I should note at this time that Monday, September 7th this year, was Labor Day. So this bank posted my payment on September 7th, then has now charged me a late payment fee for the period between my closing date (September 6th and my payment date of October 2). The bank has said that I did not make a payment during this period. In fact, if the bank was following federal regulations, I believe my payment would have been posted on September 8th.

This is just one in a series. This bank does this every month. Apparently if you pay between your due date, which is the 2nd of the month, and the closing date, the 6th, that payment goes in as late, but is not attributed to the payment in the following billing cycle. They continue to claim that this is not a bank error.

I talked to the bank by phone on Sunday, October 4th, and again on Monday October 5th. This evening I began to e-mail with two different people, and their last e-mail requested that I mail my dispute to the Office of the President (of the bank, I am guessing, since it's Delaware). My response to that request was to please update my payment information, since I made another payment on October 4th and my account is not showing over the credit limit.

This account has received my attention since I cannot seem to understand how I can pay over $300 in a 30 day cycle, charge $114, and then be over my credit limit. I do plan to seek other options, but I do feel that this bank needs to be regulated by the Federal Government. It is my understanding that if they are going to be federally insured, that they should be following some standard guidelines set out by the government.

Today when I began asking the customer representative (on the phone) for his reference number, he acted like he didn't know what I was asking. When he finally gave it to me (TPMCIG), he quickly asked me if there was anything else he could help me with today. When I began asking him to notate my account, he hurried me off the phone and hung up on me. The representative knew that I had checked the Better Business Bureau website. From what I could see, the BBB lists this bank in good standing, which is why I was shocked to understand that they do not acknowledge a federal banking holiday.

By e-mail, I asked if this bank was FDIC insured and their reply was that they accept and post payments 24 ours a day 7 days a week. That's odd, b/c I made a payment at 10 a.m. yesterday, October 4th (Sunday) and it's not posted to my account yet. They do show that I made a payment, but it hasn't affected my balance just yet.

I have had good credit over the past 5 years. I have worked very hard to get to the point that I am at right now. I believe that the late payment fees and overlimit fees for this account are negatively affecting my credit on a regular basis. My other accounts are in good standing, so it seems odd that this account is so upside down. I certainly hope that attorneys will file a class action lawsuit before too many people are economically or physically harmed.

Junipers website plainlly states that an authorized user cannot not be held financially responsible for any outstanding balance, but even though both my husband and myself have called and written letters, they refuse to remove my name or stop the reporting because the card is delinquent. Cannot get a mortgage loan because of the drop in credit score. Or, have to pay serious rates at the lower score.

When my husband and I took a Carnival Cruise August 2007, we applied onboard the cruise ship for a Barclay/Juniper Bank credit card. They offered and gave me and my husband a nice credit limit of $3000 and $3500. We accepted and after our cruise we started making our monthly payments on these cards. Somewhere they assumed the economy would fail more than it already has, and they started down sizing our credit limit.

The problem with this is that, they down sized our credit limit below our balance that we owed, and it caused our credit to get ruined. Not only that, but they charged me a $39.00 over the limit fee for being 0.01 cent over the limit, which was not my fault since they down sized the credit limit. I have not charged anything on this card since they started down sizing the credit limit. We were sent a letter early part of the year letting us know that our credit limit would be down sized. However, they have been down sizing our credit limit without telling us. Prior to this bad credit practices, we had very good credit. We have never been late or missed any payments on any of our bills. Barclay Bank is ruining our good credit history with the way they do business.

I asked them to please waive the $39.00 over the limit fee, and to no avail, they said no, and I have to pay it.

I paid $100.00 in September to have my account brought current and it was. Now I look into the online account and see that all the available credit is now gone again, and I will be charged another over the limit fee of $39.00. This is unfair and unscrupulous business practices that Barclay Bank is doing.

I have been on the following web site, and people there have had the same exact problem with Barclays, and are trying to start a class action law suit for unfair business practices by Barclay Bank.

I have closed my account, but they refuse to close my husband's account unless he calls them.

Barclay/Juniper Bank has a logo on their web site claiming to be a member of the Better Business Bureau, and when you click the link, the BBB states in their report, that this company is not an affiliated member of the BBB.

Something really needs to be done about this company, and if you take a look on the link above, you will probably have enough people to get a class action law suit started, and count me and my husband in.

I have been a customer of Barclay's since August 2004. I have always paid my credit card on time, usually right after the closing date. I also generally pay off the entire balance each month. In August 2009, I paid off the total balance of my August statement. I then paid off the balance early for the September statement on August 31. My August statement payment was due on August 28, so this was after that statement period. My September statement closed on September 3.

On September 2 one transaction was posted of $49.99. So my total Septmember statement should have been $705.53. However, since I made the early payment, my balance was only $49.99. On September 29, I was charged with a late payment fee of $39.00 even though I had made a much bigger payment then the balance that was left on August 31.

After speaking with several different customer representatives, I was told that although I had a great credit record, had never had a late payment, this fee would not be waived as I should not have paid early. I was charged a fee that was 80% of my balance. I did nothing wrong in that I paid the balance early and I should not have to pay this fee. This is truly usury that they would charge a good customer such an unwarranted fee. This is horrible customer service and poor business practices.

I received my statement and the due date was 09.11.09 with a minimum payment due $15.04 but i was over my credit line $51.04 so i paid $70.00 to cover my over limit fee and the minimum fee. Then received statement for October with a over limit fee of $39.00 because of their billing cycle for the month of 09.07.09

I spoke with 2 manger and billing tech. they told me i should know my billing cycle. Lara on 09.29.09 at 7:30am,Kenneth on 09.29.09 at 8:03am and Melissa (tech) on 09.26.09 at 8:23 pm. Juniper Bank is legally stealing from their card members. Juniper Bank should honor their billing statement that is in black and white and on their paper. No over limit fee should add on your bill, if u paid the minimum and the over amount of your credit line and paid on time we the card members should not be charge another over limit fee for last month billing cycle.

of course I closed most of my accounts. Was very irritated be couse I KNOW i have a ggod credit score. But with Barclay Juniper I never recieved the letter and when I call I had a lady tell me to right a letter and fax it to corp. So I did and then follow up again with a phone call I was told not to worry that they will close the account and the APR will stay the same. That never happen they send the up out letter to me in september of course with a dead line of August 6 and when I recieved my statement my APR HAD DOUBLE FROM 7.99 TO 15.99. I HAVE CALLED HUNDRED OF TIME I CAN BELIVE THIS COMPANY GET AWAY WITH THINGS LIKE THIS AND IN THE MIDDLE OF PURCHASEING MY FIRST HOME I CANT HAVE MY CREDIT BEEN DESTORED OVER A LOSSE 2.700.00

On Tuesday I went to the Barnes and Noble site and saw that I had a zero balance due, and the payment in full was taken out of our United Federal Credit Union account and in red was the word "paid."

On Wednesday (the next day) I found out on the Fifth Third Web site that Barclays had attempted to take the payment out of my Fifth Third Account, which resulted in me being charged $25 by Fifth Third to return the payment (insufficient funds) and another $25 for an overdraft.
On the Barnes and Noble (Barclays) Web site I saw that I had been charged $39 because the payment had been returned by Fifth Third Bank and another $39 late fee. I called Barclays on Thursday morning (today) and explained the error; however, I was told "it's not a bank error, so we cannot remove the returned fee. The rep said she would remove the late fee however.

It took three requests to be connected to a supervisor (Chris) who told me the same thing - that it was not their error.

I argued, to no avail, that I had acted in good faith to pay off the loan by authorizing payment out of the UFCU account, was told that it went through and then learned that they had tried to take the payment out of the account I had obviously cancelled. I have the printed Barnes and Noble (Barclays) Web site page showing the zero balance, account "paid" and that the payment was taken out of the United Federal Credit Union.
And so, in an era when so many people are defaulting on their loans or declaring bankruptcy, for the $39 the bank could have removed, since it was indeed their error, they have lost a very good customer.
I took the matter to Fifth Third Bank, which removed both fees they had charged. Their bank rep agreed with me that Barclays had made and error, and she urged me to continue to fight the charge.

It's not worth a spike in my blood pressure, so in protest I paid the $39 for the payment being returned. However, I will cut up the card and never use it again, and I will pass the word along to others regarding how unfairly I was treated.

As a result of there lack of concern to assit at my time of need they canceled my credit card after I paid it off . As result of Barclay Bank failure to lower my payments and intrest rate I was forced to borrow fom my IRA.

In dealing with Barclay Bank I feel they deliberatly refused to work with me in an attempt to help me at the time of need. What I found very interesting was a Bank of that size had no inside department to assist a consumer in need. I feel based on my experience with Barclay Bank, they worked within the banking laws and has no intentions to help consumers when they fall upon bad times. If in your opinion they are defrauding the public something should be done about it.

As result of pulling from my IRA I have lost suffient future growth in my retirement acct. ( Im currently retired) They have aslo reported to the three credit agencies of my delinquent payments which has greatly reduced my credit score and the ability to apply for credit without paying a higher interest rate

After having my card available balance lowered without my knowing I went over balance by a small amount. I tried to pay off the over the balance and bring it current for the past 4 months. No where on the statement can I tell the correct amount to pay, because each time I pay it is not enough. Asking the representative doesn't work either. Each time I pay more and still continue to get charged an over the limit fee. I am at a loss as to what to do and I am being ripped off. This is clearly a fraudulent credit card company. After researching online I am now aware that many others are having the same problem. They will ruin my credit if I don't pay them?

I inadvertently short paid my bill by $90 and was charged $38.28 in interest or 42% for one month. I paid the bill way before the due date. The live operator said they cannot (would not) waive any finance charges. Forced to pay huge interest with business has clearly no interest in their customers. Frontier Airlines and this Barkely should be ashamed. I've been a loyal customer to both of them for year.

I received a letter re an account with numbers. I have no such record of said account. i called them and got an operator she wanted my SSN and my mothers maiden name. i refused till she told me more about my account. she said she could not do that with out the above info. was I right? never heard of barcla bank. so I was afraid to go any further and hung up.

Barclays sent an letter notifying that my account will be increased to 30.24% Nov. 1, 2009. The reason is due to economics condition which had nothing to do with any late payments. I did not accept the changes and consequences was to close the account. My APR was 6% beginning 2 yrs ago and due to one over the limit it went up to 25%. This is an abuse to the consumer

I opened this platinum account with Juniper in March of 2007. At that time the "come on" was 8.99% APR fixed interest rate on purchases and balance transfers. I have always paid on time with more than the monthly payment due. I have never gone over the limit and have always been in good standing with this account. Now they sent me a opt out letter stating that my account as of November 1, 2009 APR will go to 14.99% with an APR for cash advances of 21.99%.

When I called for an explanation I finally got to speak with an agent after two days and three phone calls later. I was given some blah, blah, blah about the new federal law allowing the banks to do this. I was then told that the cost of maintaining a non secured loan has gone up and that is why we need to raise your rate. I then asked if this new APR would be on future purchases or on my current balance. I was then told the new APR would apply to my current balance as of November 2009 including charges made from the beginning of 2007.

How can this bank get away with charging a different APR when our contract was for a fixed rate on purchases and transfers? How can this bank change the terms of our contract but I can't? They suck people in with this low fixed APR and then they jack up the rate even when your account is in good standing.

I expressed my displeasure at this and wondering why my previous balance would be affected as I had a fixed APR of 8.99% for almost 3 years. I told them I would be reporting the banks greedy behavior towards their loyal and good customers. I was told that I could report them and OPT OUT if I didn't want to pay the increased APR.

I settled on my credit card with Barclay's in December of 2008. The settlement was for $2266.00. At that time, I only had $1900 available so they took that from my bank and were supposed to take the balance of $366 in 30 days. That didn't happen so I called and called to get it resolved. By then they said I didn't close the settlement within the alotted time even though it was their error. I finally got someone to listen to me in April and they withdrew the remaining $366 and promised me it would be closed. That didn't happen and the phone calls started. I told them I refused to settle with them again. Today I received a letter in the mail stating that I agreed to pay them almost $5,000 to settle the account. I NEVER agreed to ANYTHING nor have I spoke to anyone about another settlement. My credit is being demolished and no one at Barclay's will even give me a second thought or listen to my story. I filed with the Better Business Bureau but still haven't heard anything.

About a week ago Barclaycard began phoning my mobile with automated calls asking for a person who was not myself, stating that it was important they contact regarding their Barclaycard account. I ignored the calls at first, but after the first day I began recieving the calls around ten times throughout a day. Barclaycard continued to phone me from 8am during the bank holiday weekend. Soon they began to leave voicemail messages; not only automated but sometimes a person caller.

I then started to recieve threatening text messages (as well as the calls and voicemails) stating that my credit rating had been affected due to my non payment for 2 months. I blocked the phone number, but within the hour they began to ring on a different number. I felt harassed and eventually went into a Barclays bank to ask for help. The bank could not understand why this was happening as I have never had any type of account with Barclays and I have lived at my address for 10 yrs.

The branch rang customer services who were unable to match the name of the person (that was stated in the voicemails and calls) with my phone number; I must add that they found several people who matched the name but were unable to check the phone number against the names. I am not sure why they were unable to do this and neither was the individual who worked for Barclays.

Customer services said that they would "sort" the matter within 7-10 days. Since arriving home from the bank I recieved a further 4 calls and 2 voicemails. I find Barclaycard customer services unhelpful and this level of harassment unacceptable.

I had a Barclays Bank/ Jupiter credit card issued for SPIRIT AIRLINES. Seveal times I wanted to use the card and when it was presented to the merchant it was refused due to reasons unknown. I called the bank and asked why the card was refused. The bank informed me that it was because I was out of the country and they could not be sure I was the one using the card. I told them I had not had a problem prior to this time using the card as I travel often and use the card outside the U S often. They assured me it was taken care of and I would not have any more problems. The next day the same thing happened. I again called the cusomer service number and was again told the problem was corrected. The next time I wanted to use the card it again was refused. I called and cancelled the card in frustration. I acted in haste. I later realized I wanted the card for the miles I could receive and use on SPIRIT AIRLINES. I have reapplied for a card 4 times and have not been able to obtain one because my credit score and record are not suffecient to allow the issuence. NOTHING has changed since I orginally applied for the card. I truly believe the bank will not reissue the card because I cancelled on them.

so please quit the calling,read the reports if they are writen and see that $75.00 is paid monthly on or about the 6 of each month--there is no more to be gotten.telephone calls will no longer be answered only direct mail or e-mails---please stop the harrasment ...

I received an offer for a low promotional interest rate loan for balance transfers. I called accepting the offer on the phone on August 14,2009. The order was processed. Then my Frontier Master account ( BarclayCard group) showed a balance of 10,199.00. I called them saying that the balance transfer or the cash never arrived. They said that the cash will not be put into my account until September 1, 2009. I asked how can you say i have a balance in my credit card when i have never received the money. Also, how can you charge me interest on money for that many days when i have not received the money. They said that was there policy.

I spoke to supervisor at Barclaycard to say that i did not want the advance on my credit card. She said that the order was processed and could not be stopped. She then researched it briefly and found that the check supposedly had been sent to Kohls and not my checking account at Wells Fargo. She said that the check now could be cancelled since it was a bank error. I replied that i did want the transaction cancelled. She said that she would start a case inquiry into what happened.

This whole transaction just seems unfair and odd. I do hope that they resolve this sitatuion. Remove the balance from my account and cancel this transaction. It just is so unfair to the consumer to begin charging interest when the consumer has not received the money.

I've had this card since 2007 & at that time & up until two months ago my rate was 8.99 on the card then without warning it was raised to 14.99 with no explanation. I have never been late with a payment & have never owed more than $ 1100.00. Most times I pay the balance off at the end of the month but when I don't I pay much more than the minimum required payment. My card had been indicated to expire in 7/2009 & when I hadn't received a new card by the middle of July I contacted them & was told "in an effort to get me to use my card they had mailed a new card to me in 11/2008" this to me made no sense since it was more than 6 mths ahead of schedule. I had never received the new card so I asked them "didn't they think it was odd that I never activated this new card ?". They had no response to that.

800 # sticker on it to call to activate the card which I found unusual for security reasons. My true complaint is that Barclays/Juniper partners with TransUnion & on my online statement it shows a 'trans risk score' of 655 when I questioned Barclays/Juniper on this they refer me to TransUnion who in turn has no complaint line for this issue. I told Barclays/Juniper I am a member of Equifax & my FICO score with them as of 8/2009 was over 700 & that I wanted Barclays/Juniper to reflect that score since I feel they use the TransUnion 'trans risk score' as a tool to raise my interest rate.

Up until last week I had a zero balance on this Barclays card but then charged $ 206.00 on it which I will pay off this month. When I put this motel cost on the card I was in the middle of this 'trans risk score' issue again with them. Yesterday I received an email alert from Equifax telling me there was a change to my credit file & FICO score when I went on the Equifax site I saw something from Barclays/Juniper showing my balance increase from -0- to 206.00 which was correct but with a negative comment also which made no sense to me & this caused me to lose 5 points in my FICO score.

I only have one other credit card in addition to this card & have been so dissatisfied with this card issuer I had been planning to close it as soon as a credit for a returned item gets posted but this issue has now sealed the deal. Although it would be nice to have 2 credit cards I have put off applying for a credit card to replace this one since I know new regulations on credit cards are coming out & I didn't want my FICO score to be effected by an inquiry but I feel I've had enough from Barclays/Juniper & I have reached the end of my rope with them & the way they do business. I have not only been a loyal customer of Barclays for two years but have never used my entire credit line & have always paid my balance off in a short period of time but obviously that doesn't matter to them & I guess it's because they make no additional money from me.

Thank you,

Juniper made payment arrangements 3 months ago (May 09) in order to drop an "over the limit" fee of $39 they kept charging each month for at least 8 months at that time. The OTL fees were illegally charged in the first place since the account was CLOSED. They did NOT explain "what happens" after 3 months was over, only to contact them then for further information. The arrangements worked out well and all I simply want is to continue the arrangements. I called Juniper on 8/11/09, spoke to a representative stating the arrganement should "automatically" continue. However she was not able to confirm this and told me to call back "next week" which I did today, 8/21. Today I am told they will not continue, NO explanation given. From the beginning this company has been giving me the run around, lying,not providing notifications, not answering questions, hanging up on my calls, etc, etc. and illegally charging me, until the 3 month arrangement was made. This must be addressed and resolved!!!

I was charged for an over limit that occured sometime during the month. When I called the woman was rude and said that I have a responsibility to manage my own account. They note an over the limit and immediately charge your account $39.00. For the records, I was over $0.11 and they charged me $39.00.

June 29, 2009 a deduction of $100.00 was made from my account to pay my Juniper Master Card payment initiated by Juniper. My account showed the charge as agreed on by my using their on line payment service. They claimed that I had declined this payment and they had to charge me back the $100.00 plus late fee of $39.00 and return fee of $39.00 and increased my interest rate from 14.99% to 29.99%. I contacted my bank and was pretty upset with them but they came back and said they did not stop it, if they had the money would have been put back into my account. (To date it has not.)

July 6: I called the collection operation of Juniper Financial and went over this with them and finally after getting very upset they decided to get my bank on a three way conversation on the phone with us. The bank again confirmed that the $100.00 had indeed been deducted from account and sent to Juniper per their electronic request. They finally said that they could not do anything without a fax of the confirmation. My bank faxed the information to them July 6, 2009 1:57PM (I have a copy of the confirmation) I waited 30 days to give them time to research it.

I called August 10th to see what they had found out. I got the same response as before that I had canceled the payment request at the bank level and it had been returned unpaid. I told them of the conversation I had previously had and the information we had faxed to them and they just held their line.

I finally said that as far as I was concerned, they had stolen the $100.00 from me and I would look into grand larceny charges against them (if $100.00 is still the level for that). No real response but to restate their position. I was going to complain to the CT Dept of Banking or the CT Attorney General but Barclay Bank/Juniper Financial is in Delaware and I am not sure what can be done by these two agencies in CT.

$100.00 that I paid per my account and the bank that has not either been credited to my Credit Card account or returned, plus $39.00 return fee, plus $39.00 late payment fee totaling $178.00. Also the increase of my interest rate from 14.99% to 29.99%. The two charges of $39.00 each and the interest rate increase would be correct IF what they had said was true but per my bank account and my bank and the information sent to them the charges are not.

I am being charged an overlimit fee because finance charges they imposed on my bill. I am being charged this fee again because of the timing of their cycle in which does not correspond with the due date forcing me to go above my limit again.

IU am not sur it has anything to do with anything. Howeer, this seemed to have happened after collecting a $100 cash advance.

I am not able to sort it out with clerks and supervisor. A return call was never received and no messages were left.

Bank constantly changes there little "cycle dates" and due dates in order to purposely assess late charges and over the limit charges. Also double over the limit fees within the same month, explaining that you have entered another cycle (in the same month before the due date of min payment) they make agreements and do no uphold there end of the agreement.

Out right lying. Applying late and overlimit fees when none should apply. I call and they say they have removed the fees but nothing ever happens. I don't see how they can continue to be so fraudulent. Still ongoing. I am going broke trying to pay their fees so I can stay out of arears.

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.

I have had this credit card for over a year, and I made a payment one day late, they assessed me $39.00, which brought the credit card over the limit, I paid a day later $25.00 which brought the credit card under the limit,next payment due at the end of August. They assessed me an over the limit charge which they caused which brought my account over the limit they charged me another $39.00 which again brought me over the limit and they are going to charge me again another $39.00 for another late fee which they caused.

I asked for fees to be waived and they said no. I feel that I have been abused by this company in the past and still no matter what I do they will keep abusing me and charging me unnecessarily $39.00 - for a late payment of $10.00, I have incurred a $107.00 bill and still growing. This is un American and I need resolution, please help. I paid the payment before the closing date of August 4th and they still assessed me. Thank you.

There is a serious problem with the fees I have been charged. I have asked continuously for the past 6 months if you would stop charging the over limit fees so I could get this account paid off, however the fees keep getting billed, even though I am making regular monthly payments.

I have not used the card since September 2008 and pay monthly, yet because of these fees I still am over limit. I called today to try to get it worked out, but I kept getting customer service people that would not or could not help me (most of them could not even speak english well)

Here are the transactions for the past 12 months: Credit Charges (my charges): $99.87, Finance, Late & overlimit charges: $1,188.21, Payments: $1,298.64

as you can see in the last 12 months, I have used less than 100.00 in credit, have paid over $1,200, and have had almost $1,200.00 assessed in fees. I am averaging 100.00/mo in payments, am no longer using the card (I haven't since sept.08) and they still claim I owe thme $2,700 on a $2,500 limit. My interest rate is almost 30%, but it seems to be much higher due to the monthly "fees".

-39.00 overlimit fee every month -Finance charge of 55.00-65.00, every month. -late fee 39.00 - most months, even though my payments are set up to auto pay 10 days prior to due date. Since I have had this card (2 years), I have paid $4,423.64 for the use of $2,500.00 in credit. If I pay off the current balance shown - #2,733.00. I will have paid over $7,000.00 for 2,500 in credit, and I have made payments that are significantly over the minimum amount every month.

My son had taken my credit card without my permission. I called Juniper as soon as I realized it and asked that they cancel the account. Two hours after my phone call, another $200.00 was taken. to top that off, Juniper kept sending me "replacement" cards WITH THE EXACT SAME ACCOUT NUMBER as the one I had cancelled.

It turns out that even though they admit they have a record of my phone call, 2 hours before the money was taken, the account was not canceled. It took two more phone calls to get this done. Now, 4 months after the fact, they have charge by account for the $200.00 cash advance that would never have been taken had they canceled the account! They also reduced my credit limit from $11,000 to $7650, which put me over my credit limit and they have just increased my interest rate from 8.99% to 13.24%.

This is deplorable! I have made all of my payments on time and have paid much more than the minimum. I am a victime in this situation, and Juniper is punishing me for doing the right thing! This bank should be brought up on charges.