Barclays Bank/Juniper Financial

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 ebill 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 be cause once I made a double payment and had the bank take one bank and they increased my interest rat 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 post 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 was received on the seventh, 1 for 65.00 and the payment the rep took for 35.00.

about it.. This on two stories I have more but their is no one who can hel or will help the honest consumer.

I have a Carnival Funpoints Master Card issued by Barclays Bank Delaware previously Juniper. As instructed by a Carnival agent, I booked my cruise and charged the $500 deposit to my Master Card. I called Barclay to apply my funpoints. I then learned that 47,620 points equaled $500 BUT 80,000 points equaled $1336. Barclay lead me to belive 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 master card ($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 Barclay back on 6/21/2010. When I inquired about applying my fun points 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 equmalate enough points to take my cruise. Then to be robbed of them by the Barclay Bank. Carnival will not give me any discount to help me out so my free cruise is costing me $670. Barclay claims that you get 2 fun points for every dollar you charge. But they don't tell you that 'the dollar redemption value is to the Banks descretion'. I was told that by Barclay.

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 they 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 miminum 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.

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 dollars. the person I spoke to said she would speak to her superior. When she came back to 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.

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 elligible 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 suppervisor, 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 transfered 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 avoid getting me any assistance what so ever. This encounter has left me saddened and fustrated. Please anyone thinking of doing business with Barclay 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 Barclay 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, Barclay 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 story? 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 raisedI 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 3000.00 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.

Now they change mind 3 months later and start charging for insurance again, despite phone and written rejection of the insurance plan. I wounder what country the phone centers are located. AVOID CARDS WITH BARCLAYS WITH NO EXCEPTIONS. Wrecked my credit, constant hounding on phone, even if I talk to them, they call 4-6 times a day.

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.

2. Then Barclays took over. New cards arrived in the mail while I was out of town. They could only be activated by my home phone or online--but I didn't know the account number since it was in the mail at home!

4. An emergency required me to use the new card--but it was declined. When I called Barclays they said that I hadn't paid my bill, so I couldn't make any charges.

6. When I tried to call them back was it at all easy to get through to set things straight? Lost in the phone tree, trying to find a human...

I called them again to explain that also my job cut some hours and that if they keep put it my interest so high is going to be very difficult for me to pay, I want to keep up with my credit because I already did bank rupcy like 3 years ago but after that I was just great on my credit building up and now they say that there is nothing they can do to help me with the interest rate I have and if I keep paying late or Im still over the credit limit on this account I will be increase with more interest rate I want to keep paying my credit card but if more is the interest worse is for me and they are not wiling to help me to lower the interest I hope you can help me some how...

Overlimit fee of $39.00 charde in May because the account went overlimit by 85 cents. Called bank asked them to remove fee, they declined and I closed the account. I had protection plus which was a monthly insurance plan on the card and asked the agent if it was closed automatically or did I have to close the account. She told me that it would automatically stop and there was no further action required on my part. Next month the fee did charge to the account and the account went overlimit again, even though I paid enough to cover the normal finance charge and fees. I called again spoke to a supervisor who informed me that I was mislead and that if I canceled the account protection they would refund the second fee when i called back and informed them it was canceled and he would note my account to that effect. I called them back when I canceled the account protection only to be told there were no notations on the account and that they would not reverse the charges. I wrote a dispute and they wrote a form letter back and said they would not reverse the second fee. A third overlimit fee was incurred as a result this month.

Had US Airways credit card with Bank of America, and I call to ck on it and they tell me that they no longer own my acount that Barclay bank owns it. I have not recieved a bill this month and I call Bank of america to find out whats going on as I pulled up statements and last mont I owed $88.oo monthly payment and sent $300.00. This month I don't get bill don't notice I didn't recieve bill as I always pay bills when I get them, then Chase Bank Says their cancelling two credit cards because I didn't pay bill on time. If I'm late I didn't get a bill and have never been late before. You try to build your credit back and then the banks do this stuff. I don't see what good it does to pay your bills if this is what happens. I can not get ahold of anyone at barclay bank on line or on telephone as # I was given to call goes to AT@T.

I have stopped the payment due to advance installment added by Barclay's in my statement. Due to this issue, I have stopped the payment. I made the payment on SMS. From 1st day I didn't get any hard copy of statement. I have made payment of almost Rs. 6500 against my principal amount. And I am not going to pay you any other charges as well as Interest. Mr. Riyan k promised me to pay Rs.2200 for full and final settlement & hard copy will be released by Barclay's with in 7 working days. Keeping faith on him, I have released the cheque & till date I didn't get any hard copy of settlement. I have made the complainant against Mr. Riyan k at customer support & till date I am waiting for response from them.Also barclay toll-free no. is always busy or not in working.

In February of 2009 I enrolled in Money Management Management International which is part of the federal Consumer Credit Counseling program that helps reduce consumer debt. All of my credit cards were accepted into the program except for my Barclays US Airways Mastercard. Barclays kept rejecting their proposals stating that the proposal submitted did not qualify under there program. After several phone conferences with MMI and Barclays they continued to refuse to provide the reasons for their rejection of the proposals yet they continued to request the same 2% payment minimum for them to "consider" the proposal.

This has gone on for over 5 months and each month we increase the % in the proposal which at the last proposal was well over the 2% they require. As of last month, they have still rejected the proposal and still will not give me or the MMI representative the reason behind the rejection. I cannot afford to make the monthly payments at the 27% APR they are charging me. I cannot pay off my card at this rate. I find it strange and unfair that every other bank and credit card company has accepted the program proposals except for Barclays. I have spoken with several representatives at MMI and they say they Barclays has been doing this to most of their clients and no one has been able to find out why.

I too like so customers started this account with a very low intrest rate. On june 1st 2009, i called in a phone payment to Barclay of 109.71, before the due date of june 7, 2009. Then i called in another payment of 109.71 approximately on june 5th spoke to a representative and told her not to pull the money until june 12th a friday the day i got paid, she assureded me that the money would not be pulled until that date. Please notice that no payment for the month of june was due i had payed that payment on the 1st of june. Nevertheless,the person processed the payment on june 5TH-8TH this means that the money that was in my account to pay other bills bounced a service fee of 35.00 times 7 hit my account.I called the bank and explained what happen, the bank gave me credit for 2 of them,they made notes on my account of what barclays to me. They said they would give me credit for the 109.71 that was extracted from account on june 8th, I told Barclays no it is too late 175.00 in overdraft fees were applied to my account, you must pay me back the 175.00.

i sent barclays a letter with bank tranactions showing the payments and overdraft charges starting date was june 8th papers were faxed. They told me they had to listen to the phone message to decide and I should wait 7 to 10 days, I did, spoke to several people about the situation, then expressed to barclays that on friday june 12th several people I could not pay because of the 175.00 overdraft fees that they created by not listening to me when I said more than once do not pull the 109.71 until june 12th, but no they pulled it early, maybe thinking I owed them a payment, no i did not owe another payment. I have stressed over this issue from june 8th until now. Barclays is not a card that anyone would want, I got the same response I'm sorry, sorry can not fix what you did.

In between waiting they gave me a case number to follow up, same thing wait another 7 to 10 days. I receive a bill payment date july 7th, 39.00 dollars overlimit fee,service charge of 39.00 for spending 45.00 and 10.00 fee for cash advance, payments listed 109.71 june 1st,109.71 payment june 8th 109.71. Now the account is 29.99 percent intrest. I calLed Monday july 20th to see what was going on with the account, refund they told me that the case was closed becaused I called the payment in their records will show I always call in the payments. I said what about the phone conversation that you said you were going to listen to, they said they did. Now if they had listen to the conversation when i called in the 2nd payment they would have heard me say to the lady more than once do not pull the money before june 12th because I already new I had other tranactions that I had to pay with what was in my account prior to June 12th.

Now I have received another statement 39.00 late fee,39.00 overlimit fee intrest rate now 33.53. I called again told them to reopen the case I know what I told them to do with the pament for the 12th you pulled it early and you owe me, take the 175.00 apply it to the statement for July, and if this was a good company you would have applied one of the payments to July. I have not sent them any payment yets because it is a chain reaction. I feel like so many of the customers, this company has messed me up so bad and I have good credit, not for long, I am tired of this notcaring wait 7 to 10 days then closed the case with No notification to the consumer that I am numb. Patments are now 289.73 for August not 143.25 as before in July. I have all the proof to continue this issue with Barclays. Is there any advise that anyone can provide to me so I can persue this legally without paying some one else to take advantage of me. I want to hear the phone conversation also, because I know exactly what I told Barclays to do, they failed to listen, just get the money and call it a day. Thank you all for listening, your help is appreciated.

So I paid the payment plus late fee, only to find out hey had raised my APR to 29.99!!! I talked with several customer relations managers to see if they could lower it due to my good history with them and they would just keep telling my it was this high because I failed to pay my bill and wouldnt' even pay attention to what I was saying. Here we are several days later and they are still calling inisisting I never made a payment.

Appied online to 0% APR for 1 year. LLBean sent me conformation of my approval,and welcoming me to LLBEAN,, never emailed me to let me know when bill was coming due.The representive called me 2 weeks after due date to ask for payment and to let me know my % rate was now 18.77 I never felt so deceived and tricked.. Can anyone tell me how to furture pursue this? They refused to help me in anyway.. It cost me the aprox $500 in fees and interest,,,

I made my payment on line 2 weeks before the due date. One week after my due date I recieved a call stating they never recieved my payment. I called Baclay and the told me that I gave them the wrong account number. I reviewed my information and I did not give them the wrong info,so they said they would remove my late payment and return payment fee , and submited once again. I recieved my next months statement, and late charge was still on and return pament charge was on my statement. Called Baclay again said I gave them the wrong account infermation again. I then gave them my debit card # so the could get this settled.

Next statement comes again, return paymentand late fee AGAIN!, Now Im over my limit and my payments are now $300.00 and the use to be $88.80. Now I cant afford this payment. I checked my bank account and the money was removed from my account, so I called Bacley. They said they did not get the payment. I told them it was on my bank statement and it was made. They put me on hold, after waiting some time they told me they mixed up my credit card account# with my debet card account.Still not resovelved after 3 month and I refuse to make a payment untill the fix THERE MISTAKE!They call me 6 times a day,including weekends.

I got the Juniper Master card because they were offering a fixed 7.9% finance rate. The account went over the limit by $9.00 and raised the interest rate to 12.7%. That upset me and I called the company. They would do nothing so I closed the account. It was the principle of the thing. I was late on a payment and they raised the interest rate to 27.24%. I called them again. They said because I closed the account there was nothing they could. So I said open it up again and they said it had been closed for more than 60 days and couldn't be opened again. What a racket. I have no other alternative than to hope a consumer group can help. I could pursue litigation, but I think all the small print is in their favor. I gaurantee I will never apply or use another credit card with barclay bank.

My loan is at close to $4000.00. My minimum payments went from $65 to $123 all finance charge. This is an outrageous rate. I never authorized paperless billing and I had never been late on payments over two years.

Barclays Airtran Visa has messed me over 3 times. They offered 0% on balance transfers. Their sneaky little trick goes like this: They will send you this offer; then you sign their documents promising no interest for one year within their allotted time frame. Although you submit the balance transfer by the required date, they don't give the money transfer to the card that your paying off until 1-2 weeks after their "GREAT 0% TRANFER" has expired. When you call them, they say that a supervisor will get back with you. Usually they don't; if they do, they lie to you saying, "Oh, I'm sorry that a mistake was made, we will have it fixed right away." As you have probably already guessed this NEVER happens. They do not stick to there written policy that you do not make payments until the issue is resolved.

Their contract also states that if you pay your bill every month, then no interest is charged. They did that to me every month for 4 months before I figured it out. The representative told me I have paperless statements and flatly refused to send me "paper statements." Does a department of the FDIC regulate these low lifes? Any information from anyone would be greatly appreciated. I may have to write another line for the old saying: Fool me once, shame on you. Fool me twice, shame on me. Fool me thrice, get me a psychiatrist.

Due to extreme financial stress I missed a couple payments. Barclays called me, continued to call me, sometimes up to 15 times per day. I got set up on their "hardship program". This "program" closed my account and set me up with lower interest rate and no fees (except finance charges). Of course I know this hurts my credit, but I am at a point where I don't care anymore. HOWEVER, even with being enrolled in the "program", because I did not create a recurring ACH to Barclays for an undetermined period of time this institution has called me relentlessly.

Despite being put on their program, paying the amount THEY requested, Barclays continues to call and harass me. Sometimes they call once an hour throughout the whole day. Despite my asking that they not call during work hours they continue to call during work hours. I have requested that they QUIT CALLING BECAUSE MY ACCOUNT IS CURRENT they continue to call. This situation has caused me undue stress and has frustrated me beyond words. They continue to harrass me relentlessly. Once this obligation is done I will never deal with this institution again.

Due to extreme financial stress I missed a couple payments. Barclays called me, continued to call me, sometimes up to 15 times per day. I got set up on their "hardship program". This "program" closed my account and set me up with lower interest rate and no fees (except finance charges). Of course I know this hurts my credit, but I am at a point where I don't care anymore. HOWEVER, even with being enrolled in the "program", because I did not create a recurring ACH to Barclays for an undetermined period of time this institution has called me relentlessly.

Despite being put on their program, paying the amount THEY requested, Barclays continues to call and harass me. Sometimes they call once an hour throughout the whole day. Despite my asking that they not call during work hours they continue to call during work hours. I have requested that they QUIT CALLING BECAUSE MY ACCOUNT IS CURRENT they continue to call. This situation has caused me undue stress and has frustrated me beyond words. They continue to harrass me relentlessly. Once this obligation is done I will never deal with this institution again.

I have a credit card with this company and I used to have the 8.9% of interest and always paid on time. On May 2009 however, I noticed that I did not have the bill so when I got the bill in June my surprise was that they increase the interest to 23.24%. In the same month, someone called me and I explained to her what happened and said asked "Why they increase the interest?" The only anwser I received by phone was "I'm sorry."

My mastercard interest jumped from 8.99% to 14.99%. Payment current and on time. I called and was told that my interest rate went up because of the ecomomic. This bank has been given bail out money and now want more from people. I am disable and on an fixed income. And see no end or help.

I had a Barclays Bank credit card (Barnes & Noble). As a result of my wife's medical issues and a reduction in my work, I fell behind on my Barclays' card, and turned to a debt management company.

The debt management company contacted all of my creditors, and all of them except Barclays' accept the debt management company's "proposal." The debt management began making payments to all of creditors - including Barclays'. They made regular payments of $113.00 per month to Barclays starting in March 2009. Regular payments have been made every month since March, and have been properly credited to my account.

Mean while, Barclays has been calling me regularly. First they said that they declined the "proposal" because it was only $113.00/month and not 2% of the unpaid balance. (The unpaid balance was $5668 (2% of which is $113.32). The collection agent said that the proposal would be accepted if resubmitted with a monthly payment of $114.00.

My debt management company resubmitted the proposal for $114.00/month. Barclays called again -- said they could not accept the new proposal because I was in their "program" -- by their action (I never consented) at $119.00/month, for one year, after which they would "re-evaluate" my account. This is classic "bait and switch."

1. They have accepted my payments for four months. (This, to me, this is acceptance of the original "proposal."

2. They "enrolled" me in their program -- at a higher interest rate and a higher monthly payment -- for one year -- with the renew at their option and sole discretion.

3. The harassment calls have started -- before 8AM, after 9PM, on weekends.

4. They have started applying over limit and late payments penalties that approach the minimum payment on principal.

I have had a Juniper Credit Card for two years. The good thing about them is if you do your payments online you can see your whole payment history with them as you are talking to them I had a wonderful 8.99% interest rate. Since I do all of my payments online things were good. My payments started out being do on the 16th of the month and slowly the day continued to move until it was do on the 11th or 12th.

So In Feb. my payment was do on the 11th. I had been out of town on an emergency and did not make the payment until noontime on the 12th. I was charged a439.00 fee and they raised the interest to 14.99% I called and complained. They agreed to remove the fee but not change the rate. I talked to a supervisor who told me to write a letter to state my case which I did. They put the rate back for one month and then turned around and raised it back to 14.99% the next month.

In June I set my payment about two weeks early in the meantime I changed banks for my checking account, I realized my mistake the day the payment was do. I called but there was a fee to do it over the phone so I tried to do it online but was unable to make the payment for that day with my new checking account. So the payment was 3 days late. They charged me a $39.00 late fee and raised my rate to 19.24%. when I called back to complain the best they would do is lower the rate to a variable rate if 17.something. Considering my past payment history with them I feel this is totally unfair. When I reminded them that the practice was unfair and would be illegal in 2010 she said well it's not 2010 and we can raise the rate just like in any unsecured loan.

Juniper has raised my interest rate from 8.99% to 24.24% in one month because of a supposed late fee. I sent my payment as usual at the first of the month (June 1st first Monday of the month). Imagine my surprise when I received my statement showing a late fee. Payment was due on June 9th (Tue. the second week of June). Apparently Juniper did not post the payment until June 11th (Thurs.). I called Juniper and spoke with someone in the Philippines and was told that they would NOT take the late fees off blaming the U.S. Postal Service for the delay in delivery. You know as well as I do that it does NOT take 2 weeks for mail to go from Athens, GA to Philadelphia, PA.

2) Utilization of Bankcard Is Too High.

Therefore the lowered my credit line to $1,000.00

I was suprised and immediately checked my credit report and score ...

I only use 2 credit cards, and have 1 bank account, for the last 48 months (in report) all are in good standing.

I think Barklays is a little concerned that they run the risk to lose money with me and I think I have to do them a favor!

I will cancel my credit card tomorrow and get a card from Citi Bank.

I can only recommend that every customer of Barklays who is in the same situation should HELP them and change their credit cards.

Good luck Barklays!

Just a follow up to the last two posts I've written here...

After registering my complaint with the BBB, and waiting a couple months, the corporate office did call me and lowered my interest rate to what it was before this mess ever happened.

The woman who called me did state that they were resetting my interest rate "out of courtesy." Bull. No company that is in the right, after fighting for over three months, is going to all of a sudden give up and put things back they way they were for just one single customer.

I guess the only things I had going in my favor were the recorded phone calls...

I persisted, got through to a manager who gave me a number to call to set up a plan that will suspend late and overlimite fees. Hope it helps some of you. Note: You must be prepared to make the initial payment within 7 days of contacting them and then your monthly payment must meet the minimum due for whatever period they set you up on the plan for. The number is 866-408-4070; they're not so robotic at this number.

I will not go into detail except to say this company is a thief. I've had all the same experiences and then some as everyone else who has complained. I filed a complaint with the FDIC and did receive notification that a formal case had been opened.

My credit card payment was 69.57. I made a payment online of 69.00, not realizing the .57 was not added. I was charged a $39.00 late fee, my APR shot up to 24.9% which made my finance charge $80.31, which with these chargesd, put me over my credit limit and inturn cost me another $39.00 for over limit fee. I called asking what was going on, and ended up demanding to speak to the womans supervisor. Am account manager came on the line and asked me to give him a minute to review my records. He said he thought that was a bit too much and since I have NEVER been late, as a one time courtsey, they would drop the extra charges and lower my apr back to 11%. A few days later I started getting several calls a day telling me I owed $115 due NOW! I explained what the account manager had said and they totally denied it.

I have been trying to bring down my account balance because I have been incurring over limit fees every month since my APR went to 29.99%. This month I paid more than necessary and my account went over by 27 cents. I called the customer service center and all Joy, the supervisor, could tell me was that "the system won't allow it" when I asked her to waive this fee or credit my account. I, in good faith, tried to pay this down and I have never dealt with a credit card company that was so unwilling to help the consumer.

I truly feel that this is an unnessecary charge and quite rediculous that no one is willing to help me with this, especially in these hard economic times.I have never dealt with such an uncaring, stern customer service team. When I asked who Joy reported to, for her supervisor, she would not give me that information making me irate! First she said she was the top of the company and had no supervisor then told me the supervisor would give me the same answer. I find this company unreasonable, unwilling to assist, and very uncaring about their customers. I felt like I was talking to a robot.

Here we are again. I have already filed a complaint on my wifes card and now I have one on mine. We have been paying $100 payments on time for months which was usually over the min payment. Last month the min due was $100.95. We didn't notice the .95 so we sent our usual $100. we were close to the limit but not over. Because of that .95 the charged us a $39 late fee and raised our intrest rate to 27% which increased our interest payment $25 more than last month. With the interest and the fee it ran us over the limit and they charged us an over the limit fee. When I called to talk to them they treat you like dirt. The first person I talked to was no help at all so I asked to speak to a supervisor. Irwin came on and I explained everything to him and he said that all the charges were legitimate and he couldn't helps us. I said so we are getting screwed over $0.95. He replied yes sir you are correct. Some customer service, huh.

For the last two weeks, I have been recieving phone calls under "unavailable". Persons unnamed are saying that they represent Barclay Bank and wish to speak to Tony P. I have responded every time that they have the wrong number. They are now calling every hour and asking still for Tony P. I have asked to speak to a supervisor numerous times to end these harassing calls from a company I do not do business with. I have asked numerous times to quit calling and still they call. I am now forced to have my number changed and then inform all of my contacts of the change. I dont know who Tony P is but I hope he cancels his affiliation with these people.

I received this credit card which is ready to use and just to activate it, and I never applied for a credit card, that means they illegally got my information and S.S. # from some place. I talk to the customer service of this visa card she never helped me and wanted to steal in a smart way extra information from me. i refused to give it to her. she said " she cant help." this card lowered my credit score and I cant by a new car , or even refinance my home mortgage to lower my interest rate, which effects me within next 25 years, Imagine if i was able to lower my APR 1% my really mortgage payments was less every year 5k then 5k*5=25k that my primary damage eventually thanks for been there for every one

i want this visa card bank to be fined cause of the damage they cause to my credit card and my feeling about security. and apology from their customer service department. will send a copy of this to FBI. I consider it identity theft and fraud. thanks

I've had a credit card (10.99%) account with them for almost 3 years now. I have made my payments either 2-3 weeks early plus paid way above the minimum payment due. I have even just paid the balance off a few times. I made ONE "2" day late payment in March 09.

I had a balance of 1000.00 and they recently lowered my Credit line to $850.00 in addition to the 39.00 per month for the last five months my interest rate is 28% I called to ask for assistance and they said sorry this is a banking decision.

I opened a account with Barclay US and made and used the card 2 times I paid by phone 50.00 and was charged 14.99 for this service. I closed the card as well the agent stated I would recive a pay out in the mail. I recived a payout of $248.86 due on June 1st I called to make the payment and was charged a late fee and another service charge the total now was 277.86 for the account to be paid in full Now I called and the agent stated I have another late charge and would have to pay interest on it to clear this account What can I do I have paid 100.00+ in late charged and service charges and see no end. Thank you

I will join the growing chorus of complaints regarding Barclays Bank/Juniper Bank - which I regard as a predatory lending institution. I have had a credit card account with this company for over 4 years. The card was a US Airways Dividend Miles Card. Every month, through automatic BillPay, I have made my monthly payment. The interest rate on the account was 8.25%. Out of nowhere, the interest rate jumped to 27.5%! By the time I caught the reason, I had accumulated over $600 in finance charges! Mind you - I made every monthly payment, well above the minimum amount, including a whopping payment in early 2009. And my credit score is 740.

The reason for this - Barclay's uses a sliding due date. They say it is because of the billing cycle. Yet to my knowledge, every month has either 30 or 31 days (with the exception of February - I got that). Yet Barclay's/Junipers due date differs by as many as five days.

I was fooled by one statement that said my due date was January 4th. So...I scheduled all my payments to arrive on the second of every month. Then, mysteriously, the due date became the first of the month. The interest rate increased to 19%, and then to 27.5%! Even though I had always made every payment on time.

I will note that I was rudely handled by a phone rep named Judy - who refused to allow me to speak to a supervisor. Needless to say, I have transferred the balance to my Citi Account. They have always been courteous to me, and have extended an exceptionally good offer to get my business.

Anyone considering a credit card underwritten by Barclays should beware. I have read many other similar complaints on this site. This is complaint unacceptable, and a clear example of the fleecing of the American consumer.

Juniper credit card charged me an over the limit fee due to finance charges accruing on the account. After the finance charges accrued i happened to be $1.11 over my credit limit. Juniper accessed a $39.00 fee for being over the limit. I never heard of any credit card company charging an over the limit fee due to the finance charges accruing. I contacted Juniper on 5/28/09 at 11:45pm eastern time to discuss this charge. The representative agreed the over the limit fee was due to the finance charges accruing on the account.

At this time i asked the representative if he could waive this fee as a one time courtesy due to the circumstance the fee was charged. I believe this was a fair deal due to the situation the fee was charged to the account. The representative said he could not waive the fee & 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 & told me his supervisor was not available. The representative informed me his supervisor would call me back within the next 24-48 hours. I gave the representative my phone# & the best time to call.

I waited the next 6 days with no response/call back from Juniper. In between the time i waited for a call back i sent an email to Juniper's customer service on 5/31/09 to see if i can get a response to resolve this issue. Again i received no response. Since i received no response i called Juniper back 6/3/09 to see if i can get resolution on this matter. Again the representative was not able to help me resolve the issue.

I asked for a supervisor again, but was told again no supervisor was available to take the call. Was told again by this representative a supervisor will call me back within the next 24-48 hours. At this time i advised the representative that i did not receive a call back from the last time i requested a supervisor to call me back. I will wait this time, but can guarantee no one will call me back to discuss this issue. I also requested either to speak to the CEO of the company or at least obtain the contact information for the CEO during this second call. The representative informed me the CEO is at a different location & refused to give me any contact information to talk to anyone higher. Seems like they are trained to do nothing to help the customers & to make sure the customers do not get to talk to any supervisors or other management members.

To make matters worse I received a call from a Juniper representative 6/3/09 in the evening to take a survey on there customer service from the call i made on 5/29/09. I took the survey & did give low marks due to the service i have received. I expressed my disappointment with the representative that she called me, but i could not get a call from a supervisor to resolve the issue at hand. This representative also was not able to help me, so i am still at square one. Also the minumum due on my statement is $11.18.

I am currently $40.11 over the credit limit. If i only pay the minumum due i would still be over the limit & would be guaranteed to be charged another over the limit fee on my next statement. This credit card company is just scamming customers out of money. They know exactly what they are doing is wrong, but won't admit it. Even though i am over the limit Juniper still shows my available credit to be $20.00. I am still trying to figure that one out. If your over your credit limit you should not have any available credit.

I contacted a few other credit card companies & was informed they would not charge an over the limit fee due to the finance charges causing the account to be overthe limit. I actually have another card that i did go over the limit on recently due to the finance charges & was not charged the over the limit fee. Seems like Juniper is the only card that accesses this charge for the finance charges. I will never use this card again & will pay it off asap.

A charge for $8,000.00 made on April 1, 2009 appeared on my April 23, 2009 statement from Barclays. I called the bank to find out about this charge as I did not make an $8,000.00 charge. I was told that it was for made to HSBC credit crd services to pay-off a credit card account at HSBC. I informed them that I did not request or make that charge. They gave me a complaint # on the phone and stated that I would be contacted. I made my dispute in writtting and sent to them by US mail certified return receipt.

after 30 days I did receive a letter in the mail telling me that a charge was made to my account for the $8,000.00 on April 1, 2009 with a print out of the account number at HSBC that the money was sent to. First of all I can not beleive that Barclays just sent me a full credit card number and also the account at HSBC does not belong to me. Since receiving that info from Barclay's Bank, I have faxed and mailed them approx 3 more letters all by US mail return receipt certified mail.

As of today I have not received a response the $8,000.00 charge plus interest continues to appear on my statement. I informed Barclays Bank that the account number at HSBC is not an accoun that belongs to me, that I made no request for $8,000.00. I have tried calling the customer service line on my card several time, requesting to be connected to the dept. that handles disputes to only be told "NO".

I have have asked to speak to a supervisor, every time being told "NO supervisors are available." This credit card is co-branded by US Airway's , if I was US Airway's I would not want to be involved with Barclays Bank Delaware, especially since they will not resolve a charge dispute. If this is not resolved soon, this will be a burden of $8,000 plus interest and will affect my credit report.

1 year 6 months ago I was offered credit card 5/% apr now it is 27% apr. On last 4 months I have been charging over limit fees $39.00.Every time I made a payment,there are added$39.00 on the previous bal. and then deduct the payment.Last month I had bal.$786.24-429.00 payment.I still have $39.00 charge for over limit.I would like to know what can I do.

My wife and I each have a Juniper credit card. Hers was a Visa and mine was a Master Card. They different due dates. My wife would send the payments in different envelopes with plenty of time before the due date. They would apply my payment to my card but then they would apply her payment to my card also. By the time we found out about it they had charged her a late fee. She would call and get it straightened out. But the next month they would do the same thing. and every month she would have to call again.

This went on for 7 or 8 months. They now have jack her interest rates up to almost 28%. We have tried to get them to reduce the interest but they won't admit that it was their fault. They seems to be a company that just wants squeeze as much money out of peope as they can. They do not care for their customers.

To this end, I have noticed that they will apply the interest to the account before they apply the payment, so if you are close to the limit the applied interest will run you over the limit and they charge you an over the limit fee. This plus the interest leaves practically nothing to go toward the principle. I think this company should be sued for their bad practices. I know we are going to seek councel from a lawyer.

I spoke to a halfway decent operator guy that assurmed me that I had been sent a notice in May concerning the interest rate, and that's possible but I probably didn't care at the time since I am keeping a 0 balace. Funny thing, the guy I talked to also assured me that the credit limit is indeed $3,500 and that they only raised my rate because of current economic conditions. They will however revise my account periodically and if I'm in good standing the interest rate could be lowered. I tried not to laugh but it was hard. He then tried to be a good salesman and talk about enrolling me in the VIP program, which would ofcourse offer so very many benefits. I had to cut him off and explain that although he was doing a fine job as a representative I was not at all happy with this company due to their past practices and the interest rate increase and that I was in no way interested in joining any program for VIP's or changing my account in any way until my rate was lowered back to it's original status. Let's face it, the only reason I keep the account is to annoy them periodically and to be another 0 balace on their books. I would charge like .50 cents every month and pay it off just to make them waste postage and paper on a statement but that would be risking some obsure fee for minimum charge or something.

I contacted Barclays Bank/Juniper Financial when I realized that my payment was due the previous day and I had forgotten to schedule it. I had not missed a payment previously and was hoping they would take my payment and work with me regarding keeping my interest rate down. First of all, they would not hear of working with me on this issue. Being late was my fault, I realize, however, I am not willing to pay their astronomical interest rates. We have a really good credit rating and are always on time with our payments and so can get better than their "default" rate.

I closed the account, at which time I was instructed to cut my card up immediately, which I did. When I went to transfer my balance off of the card, I pulled out my original paperwork that came with the cards and surprise, NO CREDIT CARD NUMBER. I then printed out a payment coupon because if you send payment without one, it will delay your payment 5 days. Again, SURPRISE, the payment coupon has to have a full 16 digit account number to process without the delay.

So I then called customer service and guess what?? No one could help me "for security purposes"! So I no longer have a vitally needed account number-under instruction from their "representative" and cannot get it again! Make a payment on time HOW? They made it impossible for me to transfer to another card or make a payment by mail on time.

I spoke to a supervisor who informed me that there was no one "higher" than her to speak to and she could give me a fax number and I would have to write a letter to the "Office of the President"-which no one would see-I'm sure! The way this went, I would steer as far clear from this organization as I could get in the future! Who has the time or money for this run-around?

My husband received a phone call from an account representative who insisted that he authorize a payment to my account. My husband is not on this account and as such, should not be allowed to 'authorize' anything. I called back and spoke to Dexter, explained what happened and demanded an apology. He said that they had done nothing wrong and taunted me to 'prove it.'

I kept asking for an apology and he kept saying they had nothing to apologize for. I said that a good customer service representative would apologize any way just to keep the customer happy. He said they had nothing to apologize for. I must say I grew quite angry and called him some not very nice names to which he responded 'prove it'. I could not believe the audacity of either person. My payment is not due until May 31, 2009 - today is May 17, 2009. Needless to say, I will be closing my account.

I am a 77 year old lady who lives on a fixed income. I always pay my bills on time. my experience with Juniper/Barley bank is, they are charging overlimit fees on your credit card and is setting your account up by raising the apr. to throw it over the limit. When you call them to discuss this matter they act like they don't understand and will give you some illogical reason as to why your credit card was over the limit.

I had to tell the customer service rep. that I am recording this conversation inorder to get these people to stop charging me fees. they were telling me that my cycle begins on the 26th of every month and as long as my payment is in before the 26th i will not be charge an overlimit/or late fee.

well i paid my account always way before the due date and way more than what was due. these people kept charging me fees and I felt like I was having heartatack and needed to go to the emergency room. the only way these people stopped charging me fees I had to tell them that I was seeking legal help and the conversation was being recorded. Please can we do something about this bank. I cannot continue to do business like this

I am extremely disappointed in the way your bank has been handling my account. In the last six months my credit line has been reduced twice without a proper notification. This has negatively affected my credit report since my debt/credit ratio goes higher when this happens. Also, it was really embarrassing when my card was declined in from of my friends at dinner last night. I also don't understand why is this happening when I paid @3000 in the last month, and I have never paid late either. My APR is also very high especially when the banks are getting 0% Fed rates and loans from us the tax payers.

I recived a phone call from Juniper c/c stating i was late on my payment. I informed them I have never had a c/c from their conpany. Information was verified, so appearently credit fraud has happened to me. I was supposed to recieve a letter from Juniper, but yet to recieve anything. Just a harrassing calls from debt collector. I am needing a letter from Juniper to myself showing the so called charges incured under my name in order to make a police report to start the tracking. My credit is hurt because of this act.

I had a Juniper credit card issued to me from this bank for a short time. I closed this account and paid them off in full or so I thought. From what I understand I still owed them .62 cents. I would have known that I still owed them money if I had received my statements as usual.

These statements were sent to a former residence of mine instead of the mailing address this bank had sent all prior statements. Because of this I did not receive a statement for four months. By this time Barclays Bank had added on to my .62 cent balance late fees and I now owed them $150.00 which I immediately paid.

I feel strongly that this bank practices unfair activities. I have no idea why they would start to send my statements to an address different than my mailing address without my consent. I never would given my approval for this because I no longer lived at that address.

And then four months later they changed where they sent the statements again back to the original (and correct) mailing address. If they had never switched addresses in the first place I would have been aware of the .62 cent balance and I never would have late on any of my payments. Once again I feel strongly this bank practices unfair activities.

My credit has been damaged a late payment is being reported by this company and I am told it will be there until 2014. I would like to testify agaisnt this company in any class action law suits pending. Please let me know when and where I will be there.

I just got of the phone with a Barclay representate and I am so irate I want to start a class action suit against them. I just found out one of their scams. The call customers on the 26th of the month telling them they have been late. You the pay off the whole balance(you think) with another credit card. Then your payment does not get posted untill the 28th of that month resulting in another late fee of $39.00 and finance charges. You again get a call on the 26th a few months later.

I pay off the 2 late fees on 1 dollar balance that I did not know I owed and the same thing happens. You still ove them a small balance, because even though I was told I had the whole balance paid off, because the bank does not post it till the 28, you are late again. What a scam!!!! Look at your statements everybody and check and see when they post you payments. Get rid af your cards with that bank.

I applied for a credit card because I wanted the 0% financing when I buy some apple computer products. As of 05.03.2009 I've heard nothing, I've not been approved, nor disapproved. I submitted my application, online on 22 April 2009 & Barclays bank aka Juniper. Barclays ran a check on my credit on that date. I have a copy of my credit report dated 05.01.2009 which shows Barclays requested my credit file. I have a 773 score or higher with all 3 agencies & there is NO negative information in my file. Is this a scam, to merely collect personal financial information which can potentially be misused at a later date.

Juniper credit card lured me in with an interest rate of 8.99 fixed. I couldn't pass this offer up, so I applied and got a credit line of $8,000.I didn't that much, since I personally put a limit of $500, so that I may it in full. I think I used the card twice and paid the amount in full. I always send my payments two weeks in advance to avoid late charges. Well, to my surprise, I was charged $39 for a late payment. I called and disputed the charges, but nothing came out of it. I said okay, this will not happen again, so I stopped using the credit.After two months of not using the credit, they thought that they would punish me by lowering my credit limit to $1,500. How foolish of them, I simply canceled the credit card.We work to hard to give our money away like this.

Folks, take a few minutes out of your busy schedules and file a complaint with your state attorney. The more complaints they generate against a particular company, the more likely they are to investigate the allegations. It is important to keep track of your statements. When you send your payments out and in what method you pay them. It's a good idea to send your payments by register mail, even if they refuse to sign the document, it is proof that you attempted to pay on time. Monitor your phone calls, time, date, person, and detail notes of the discussion.

I've benn with barclays for many years now. at a fixed rate of 8.99%, now went up the Variable rate of 14.99% never missed a payment always on time always more than minimum and that was my reward! Thanks to this government we have protect the big punish the small! they are able to do this lawfully. I sent a letter stating this and they said because of economic bla bla they had to do this. Apparenlty the 8.5 billion dollar bailout money they got from one pocket wasn't enough, they had to get somemore from our other pocket, so again the ones that shouldn't couldn't pay theres back get rewarded and the ones that make every effort to keep up bills ( I personally have been laidoff, and still make more than the minimum) get punished! I have written my state representitive, as if they care about (WE THE PEOPLE) anyway. for some reason my credit score dropped so I'm sure this will effect alot in the future, insurance, future loans Ect.

I've benn with barclays for many years now. at a fixed rate of 8.99%, now went up the Variable rate of 14.99% never missed a payment always on time always more than minimum and that was my reward! Thanks to this wonderfull government we have protect the big punish the small!!! they are able to do this lawfully. I sent a letter stating this and they said because of economic bla bla they had to do this. Apparenlty the 8.5 billion dollar bailout money they got from one pocket wasn't enough, they had to get somemore from our other pocket, so again the ones that shouldn't couldn't pay theres back get rewarded and the ones that make every effort to keep up bills ( I personally have been laidoff, and still make more than the minimum) get punished!! So what I need to do is go back and have a talk with my parents for raising me all wrong, I should have gotten a beating for eating all my veggies and gotten a raise on my allowance for stealing the change out of my moms purse then I would have been ready for life as a grown up. I have written my state representitive, as if they care about (WE THE PEOPLE) anyway.

I was late with a payment in February 2009. As a result, I was charged a 39.00 late fee. The late fee put me over my credit limit. I spoke with an associate on March 6, 2009. She agreed to waive the fees as a courtesy because my account had always been in good standing up to that point. I asked if anything could be done regarding my APR (it was raised dramatically due to the late payment). She transferred me to another associate who explained that she could not lower it to my orginal rate, but could lower it to 11.99%, I agreed to those terms and was told everything would be reflected on my next statement. I received my next statement and saw that I had been charged another 39.00 over the limit fee and my APR was 27%.

Concerned, I contacted the company. I spoke with a very helpful associated who opened a case for me and said that the phone call from March 6 would be reviewed and a manager would contact me in 24-48 hours. 24 hours later I received a voicemail from a Team Manager named Brandy. She explained that she had reviewed the call and, although she did not hear any discussion of the fees being waived, she did hear the discussion regarding the APR and as a result, they would lower it to the 11.99% as agreed. After listening to the voicemail, I again contacted the company and explained that i had spoken with 2 different associates on March 6 - one regarding the fees being waived and one regarding the APR being lowered. The gentleman was very helpful and explained that he had updated my case and would have the first call reviewed regarding the fees and that a manager would contact me in 24-48 hours.

Nearly a week later I had not heard from anyone and made another call to the company. The associate tried to be helpful explaining that she would waive half of the 3rd fee and adjust my accounts finance charges to reflect the 11.99% APR. She said it would take another week to have the call reviewed. I was not satisfied with that because I had been told 24-48 hours and still I had not heard from anyone. She told me she could have a manager contact me. I received that call tonight from a woman. She explained that I would need to put a request in writing to have the call reviewed. I explained that another call had been reviewed and I did not have to put that in writing. She was less than helpful and I was tired of talking in circles so I hung up. I called the company back, refusing to give in. I asked for a supervisor. The associate told me she could have one contact me in 24-48 hours. I told her I would not hang up until I spoke with a supervisor.

Miraculously, 5 minutes later, there was a supervisor on my line. I explained the situation and she refused to listen. She talked over me, even raising her voice. She informed me that they would not waive the fees. I explained that someone from that company assured me that the fees would be removed. She was not willing to review the call as evidence and just told me they would not be waived. She had no customer service skills and was rude. I demanded that she close my account - which she did with a bad attitude. I still intend on persuing this until the fees are waived as originally agreed. This company was horrible to deal with and the only thing I can say about the associates is that they claim to be "gald to assist" you with something, when in fact, they can not assist you with anything. 117.00 in fees charged to my account and the emotional roller coaster this company put me on

this company took an unauthorized check for 537.00 from my bank account because someone forgot to cancel it there i called and spoke to kent ext 34691 over a week ago who saw their mistake and told me that the funds would be put back in my bank account in a week so i call today and nobody is willing to help me not even a supervisor or anything my bank account was put in a negative due to their error now i have bills that i cant pay because they will not refund my money to my account- i am ready to do whatever i need to in order to get my money back and make sure this shady company is fined for their practices

After being delayed for quite some time, I finally spoke with a supervisor and after threatening to close my account on the spot, the late fee and late notation was supposedly removed from my account. This leads to the April payment. Since I was out of the country and misplaced the bill, I realized the problem and paid by phone on April 6th (the actual due date) at 5:25 pm. The phone payment said it would clear the next business day but it showed as posted on the 8th. With my new statement I was charged the $39.00 late fee and my interest rate went from 9.9% to 21.7%. When I saw this I called and spoke with Beth, a customer service rep. When I explained the situation she was very nice and polite but informed me that there was nothing she could do. After several minutes of back and forth and stating that there was nothing she could do to change the interest rate or to remove the late fee, I again stated that I wanted to speak to a customer service supervisor.

After being on hold for several minutes, Beth came back on and said she had a supervisor named Valerie for me to speak to. When I explained the situation Valerie stated that it was my fault, that there was the phone and on-line pay options so I could have avoided this even if I was out of the country. When I tried to explain that that was not an option, she kept repeating that it was my fault, I could have avoided, etc. I spoke to her about the interest and the variable due dates and was told that their policy was for a 25 day cycle and therefore the date would always change, I could have paid, etc. etc. you get the point. After this frustration I told her to close my account and she stated that there would be options to drop the interest in the future,after a year with no late payments or over limit charges. I again stated that I wanted her to close my account and she began lecturing me on responsibly paying my bill. I also questioned the interest jumping that high after only one late payment and was told that I had signed the agreement and therefore I had to pay it.

I have never been spoken to like a spoiled or bad child before (I am probably old enough to be her father)by a customer service rep. I am still furious and that was two days ago. I am a teacher and don't have a lot of extra cash but am considering emptying my meager savings account to pay this off and get it out of my mind as soon as possible. I am waiting to see what gets reported to the credit reporting agencies and readying myself for another fight to save my credit rating. I will never do business with them again. I find it remarkable that they treat good customers who pay their bills like this in this economic climate.

I opened my email this morning to find that my Barclay Spirit Air Credit card statement was ready.

I went to my account because the minimum payment was double what it usually is and found that they increased my 3.99% for the life of the balance rate to 27.44% I called twice trying to negotiate with them and because I was late in 12/08 and 2/09 ONLY, they upped my rate. I canceled the card and am trying to balance transfer what I owe to other cards. I will be happy to discuss this matter. I also told them I would no longer fly with Spirit Airlines, but they didn't care.

Just as a follow up to a previous recent post: I had my husband call Juniper's customer service line so that he could fully understand the problem I was having with this company (hanging up on me, arguing with me, lying). He called every day for the past few days only to have the same results. He finally reached a representative named Marvin who again, when asked if there was a manager or supervisor around, put us on hold for about a few moments and came back saying that no supervisors were available (those with problems calling this line can attest to this process. It's almost as if this is written in their procedures).

My husband proceeded to explain the situation again about how the finance chargest initally put me over the credit limit (which was over by $.88 by the way) and how we were asking for help because with the way the billing works, we are never going to get ahead. After about an hour of back and forth arguments, my husband went through the three last statements and a timeline, and noticed that we are basically being double charged.

When he asked Marvin about this, he finally admitted that the company does double bill and that the charges weren't fair. Marvin also said that even if we did go over, because it was due to the finance charges, and the overage being under a dollar, I shouldn't have been charged at all. He then waived two of the charges. This is all I wanted from the beginning (I was charged three, but I can live with paying one... it's the principle). I'm posting this so that someone who has the means to do something hopefully will. We have every conversation recorded.

Two fees may have been waived, but now I'm looking at an increase in my interest rate from 9% to 27%. I'm still debating on fighting this one, or letting it be and just paying off the card.

There is a fraud/Discrepancy in my credit account that is taking long to rectify. On March 9, 2009 I filled out a online application for a credit card of Emigrant.com who does credit business with Barclays Bank. On March 18, 2009 I notice a transaction of the amount of $2,3050 that was posted on the 17 of March in which this transaction was done in the day before I activated the account. When I called and questioned the transaction, I was told that I requested a balance transfer to Kohl retail store of the account that I'm not aware about, never had and never requested. In addition, customer services were uncouth, witty and not very helpful with my situation.

After bantering with them in numerous account I decided to write a consumer complaint against them to BBB (Business Better Bureau) which my case is still pending. On March 9, when I check my account to see if the transaction was cleared from discrepancy. All I got was a statement that reads Transactions that have posted since your statement are shown by default. I called again and spoke with a supervisor by the name of John whom was the most hopeful out of the ordeal and explain about the Kohl credit account of numbers that was unheard of or unaware. I'm thinking this must be a credit fraud from somebody who got my personal information to fraud this transaction. In addition, I called Experian credit report to alert a fraud.

My statement has a statement due date of the case that is open with the balance of $2,3050 that has not been clear since March 18 and the statement about my account is shown as default. All I want for them to clear this discrepancy so I can be done with this credit company.

i was charged an over the liminted fee of 39.00 dollars in march. i have a 500.00 dollar credit limit. that made my balance 533.00 dollars. i should have not been charged the 39.00 over the limit fee for that is what made me over my limit. they refussed to credit it back to my account. so i paid the minumim balance and ask them to drop my creit card and i would contuine to make my monthly payments. they charged me again a 39.00 dollar over the limit fee after i cancel my credit card.

i call them and they told me i had to pay the over limit fees until i got it back down to 500.00 dollars. this is a rip off i never was over the limit untill they charged me the first 39.00 dollars. i cant seem to make them understand that they made my card over the limit, not i, this is not the way a customer should be treated. i ask to speak with the manager but they would not let me. they just told me i had to pay their over the limit fee. this is wrong.

i shouldnt have to pay for their mistake. i think they should be stoped for taking avantage of poor people and make things harder than they should be. they need to be stoped and pay all the people they have stolen from back.

My account with Juniper Bank has been open since 2007. In February of 2009 I was assessed a fee for a book club membership to my Juniper Bank card. There was sufficient credit limit available, but when the interest was assessed, my card went over the limit. I called, asked for assistance with the fee, and was told no,? and that unless it was an error on the banks side, that they wouldnt waive the fee. I was upset, but made a $30.00 payment to bring the balance down under the credit limit. In March 2009 I was assessed another over limit fee (each one being $39.00, by the way) because, apparently, according to the customer relations specialist I was talking to, when your account is over the limit even once during the billing cycle, you get hit with this fee.

I called, again asking for assistance with this fee and was told again no.? I then asked this gem of a service rep this question: When I receive a statement for my card saying that I have $750.00 available as a credit limit, of which $750.00 is available right now, that isnt technically correct? Because technically what youre saying is that I can charge to my hearts content but I need to figure out my interest charges because Im going to have to stay within that $750.00 available credit to avoid an over limit fee?? His answer was yes.? When I advised him that I was recording the call, he promptly hung up.

Again I sent in another payment, $50.00 this time with $30.00 a few days later. Laughably, this $80.00 payment brought my balance down a mere $20.00, which means that Im still over the limit this billing cycle so Im so excited to open my statement to see another over the limit fee for April! Yeehaw. I have multiple other cards with other creditors, mostly Capital One. I have gone over the limit with Capital One because of finance charges, and the rules are as long as it is brought back down by that billing statement, no fees are charged... same with my other credit cards. Guess I know which one Im paying off as soon as possible. Im wondering if letting the card close and go to collections would be a better option To me, the practices of Barclays/Juniper are oppressive and predatory.

I have always had good credit,but over the last three years, have accumulated a lot of credit card debt due to major health problems(out of pocket expenses). Barclay Bank had agreed to a lower interest rate last year, but recently raised my interest to 27.24%. I called and sent e-mail requesting lower interest rate due to medical bills. They refused.

I have had account for several years, high credit score (850) and pay bills on time. In December 2008, I paid bill on-line and apparently I failed to click O.K. to confirm payment. I paid a $49.00 penalty for that month. I did have cancer surgery on 24 Dec 08 and apparently I didn't notice that I had not received a confirmation e-mail from Bank. Since I have good credit and pay bills on time, I do not understand this outrageous jump in interest. This is so frustrating and I would like to report them, but not sure what steps to take as I am sure this is perfectly legal.

I worry constantly about bills and they keep coming in and I have no choice but to put everything on card so debt is in one place so to speak. The stress surely is not helping my physical health. I have transferred some of the balance to Discover which has one of the lowest interest rates I could find.

I called Juniper Bank 3 days befor I went on vacation. The rep at Juniper told me if I made an automated payment it would show on my credit card the next day. The next day came, no credit but payment received. I called Juniper and the rep told me that my bank has not released payment (understandable). The second day day after payment was paid, my bank released payment and the payment showed on Junipers online statement.

I called and the rep told me it would be available the next morning. By this time I am 2000 miles from home on vacation and had to use my spending money to pay for my rental car and the charge for my baggage on the plane. I called Juniper immediately and asked for a supervisor. The rep on the phone said a supervisor cannot help you because that is the way it is, so you cannot speak to a supervising rep. The day after, I called Juniper once more. After being very irrate to the rep, the rep transferred me to a supervisor. I told the supervisor my story and the supervisors response was the money is ours now and we are not releasing the payment to your account for another ten days.

After the rep told me this, he abruptly hung up the phone. I called back to cancel my credit card, once my information was processed, the rep hung up on me. Now when I call, I cannot get through to anyone.

I am on vacation. This has made me to resort on calling family to wire money to me so I can atleast pay for neccesities such as food and protective sunblock for my child and wife. I also needed gas money to fill up the rental car so they will not overcharge my debit card causing me to have bounce fees. The rep origionally told me the card could be used on my vacation. This vacation was booked months in advanced but when the trip came up, I was already out of work for 6 weeks due to a broken shoulder and a torn rotator cuff. Keeping my payments up to date, I used my short term disability payments not leaving much spending money except $500. Not being able to use the card on vacation after paying of 60% of the balance, I had to use the spending money I saved for my trip while keeping enough in my account to pay other bills. This has caused tremendous stress to me on top of not being able to work and only receiving 45% of my usual pay. My wife is worried about my blood pressure rising higher with already having hypertension and ventricular hypertrophy (enlarged heart ventrical). This has destroyed my family vacation and putting me further into debt by having to repay family the money back that they are sending me to bail me out of a jam.

I am recently out of a job and I made two late payments in a row only by a day or two. I called to speak with them to notify them of my situation. They informed me that my intrest was now going to be 27% instead of the original 7%99 that I originally agreed to. I offered to make the late fee payments and asked that they would please lower my rate and they refused. I am going to have a hard enough time paying it back with no job and they wont even try to get the payments back to where I can afford them. I am willing to make a cash payment to them if they do in the amount 1,000.00 today. My request is to get my rate under 10% or I might not be able to afford to pay them at all.

Juniper MasterCard aka Barclay Bank of Delaware recently sent me two letters stating that they were raising my APRs on my two cards from 8.99% to 14.99% effective with my billing cycles that begin on April 1, 2009. I decided to call their bluff, so I called them and told them I had never been late or over limit, had very good credit, and I was insulted, therefore I wanted to close my accounts. I was told their may be some special offer for me and I was transfered to another women who ended up lowering my APR on both cards by 1 point. If you got this letter you may want to give this a try.

During the recent economic situation we had requested on several occasions from the above lender (parent company Barclay Bank) to modify our existing home loan due to the subprime lending conditions of the loan. Finally, after seven months, Dec. 2008 we entered an agreement to modify our home loan and began making the new modified payments. Upon paying our January 09 payment we received a call during the beginning of Feb.09 informing us that our loan was insufficient due to HomeEquic paying our property taxes which were not due until February 28, 2009. Are plans were to pay the property taxes upon receipt of our tax refund but they decided to pay and therefore changing our modification agreement without informing us.

They decided to hold our payment and this month decided to put the payment towards our property taxes therefore any payments were are making are going toward property tax escrow and not our monthly mortgage payment. We are being told our loan is not proceeding to foreclosing although we have made the payments. Therefore we have chosen not to make March payments until some resolution or agreement can be made. Our loan was not set up as a escrow loan and have always made our property payments once receiving our tax refund.

We will be homeless, after 17 years in this home.

I had an account with them for almost 2 years, never had an issue, until I had a payment that was 1 week late in Jan (statment came in around Christmas and I must have misplaced it) The fee for the late payment put me over my limit, so I was also assessed an 'Over-Limit' fee. You might think that $39.00 each, for those fees would be penalty enough. My APR went from 8.99% to a ridiculous 22.99% And it is now up to 26.24%.

I tried calling their customer service and might have well been talking to a robot. All they kept saying was that it was described in 'The Terms and Conditions'. I asked for a supervisor and all she said was the same thing. Their Customer Service is anything but. I will never do any business with them, will pass this information on to everyone I know and hope anyone who reads this does the same. Thanks for reading my rant.

My wife and I make over 120,000 per year and live in a modest 200,000 dollar home with 120,000 remaining on the balance. I don't say this to brag, it's just that I take care of my obligations. We are not rich by any means, but my credit rating was 790 before Barclays pulled this stunt. I have no idea what prompted it, and now if I cancel the card, my credit score will suffer more. I AM TICKED OFF.

Barclays has damaged my credit rating for no reason. I have never been late on a payment. They were more than happy to give me a 23,000 dollar limit when I opened the account, now they drop it to 1400 dollars. Insane

I purchased some clothes from LL Bean before Christmas, 2008 and used my LLBean Barclays credit card. I returned some of them. I never received a statement, nor did I receive an e-mail from them stating my balance and when it was due after sending back the returns. They said I signed up for paperless statements. I never do this knowingly because I always like to have the statement in front of me. As a member of True Credit, I was notified by e-mail in February that I had an account that was delinquent. This never happens to me because all bills are paid on time and in full. I have an excellent credit rating of 788.

I didn't recognize the name Barclays until I saw LLBean on it. So I was charged $65.08 in late and finance fees. I immediately paid the balance of 296.50 not including the additional late fees etc. I wrote them a letter. They will not remove the fees. This has to be an error on their part that no statement was ever sent to me by mail or e-mail. The letter I received from them was immediately answered in 3 days...a form letter saying they had reviewed it and would not remove the fees etc. I know they never reviewed it.

I feel this practice was fraudulent. I should have received a statement in the mail and by e-mail but I never received either and therefore never paid this outstanding bill. It makes me wonder if they make it a regular practice to do this to consumers in order to collect fees over and above the goods charged. So today I received a statement from them, the first ever, with another finance charge on the $65.08 owed. I have no other recourse here and hope that you can help me with this problem. Thank you,

They have rasied my APR from 8.9 then to 14.9 then to 25.4, now to 29.99. I have gone to CCC, and Barclay is refusing to accept the amount I can pay. When I call them, they are very rude and not able to help, and refuse to let me speak to a supervisor

I am unable to pay this due to illness and decrease in work

On 17 th march09 at 10.33 pm i used my ATM card to withdraw money.The ATM was alright when i put my card in,pressed my password and mentioned my withdrawal money. Next thing happened was the card got stuck inside machine.I waited there for 5 minutes nothing happened and i left,however i tried calling the barclays number i have but i coudnt reach anyone.I thought that ATM machine was attached to one of the branches of barclays is safe and i should collect it next day.

I went next day to collect my card but the person said there is no card inside there and he checked my account when i asked to withdraw some cash as i didnt have my dinner last night and also i need money for breakfast(i live in hostel and i rely on takeaway a lot). He printed off the balance and i saw the transaction has been taken after i lost my card to machine,about 700 pounds or even more,i blocked the card immediately and said i want to dispute the transaction.I will get my money back if they think it was legitimate case in two weeks from now.However this is not the first time,i have been victim thrice now,first two cloning of card and this one using the same card(i assume),but what i dont understand is how did they get my password to draw money from ATM's just in same neighbourhood.

I am not happy with the security that barclays provided me,i had been put through lot of inconveneince and stress.I had to have my breafast cereals as dinner last night even though i make decent money.I also pay 5 pounds monthly admnistrative charge to them.I have only one account since august 2004 and thats with barlcays and this is how they pay for my loyalty.I have been victimised for being loyal customer,decent tax payer and a good citizen of this country.

I do all my banking and payments online. I was switching my internet service provider from Time Warner to ATT. ATT was supposed to come and install the DSL last Wednesday and when they came out, they told us that the order had been written for our neighbor instead of our house. I have been without the internet for almost a week now and have suffered greatly from not having it. I am currently taking an online course and have been late on several assignments because I have not had internet sources until today, but my problem with ATT is a whole other story. I had set up a payment to Juniper for the 13th which is the day that my husband got paid, or so I thought. (The payment was due on the 16th).

When I checked my bank account today, I saw that the payment had not gone through. I opened my account on the Juniper website and saw that there was no payment made. I immediately made a payment but found that my account had a $39.00 charge for a late payment. This charge brought my account past its credit limit, which will cost me an over-the-limit fee as well. I called the company to ask if there was anything that they could do to help. One representative said that the only way that they could help is if the error was a banking error. He said, however, that he could refund a little more than $19.00 out of courtesy.

My finances are strapped tight right now and I do not know how I am going to pay my bills this month, so I broke down in tears and asked if there was anything more that he could do. He said that he could not do anything more, but that he could transfer me to his supervisor to see if he could do something. When I spoke with the supervisor, Alex, I explained my situation and he said that there was nothing he could do.

All the while I was crying because I am so stressed out right now because of my finances, and the fact that my college grades are suffering because of my lack of access to the internet. The supervisor, Alex, had the nerve to tell me that [he] could not do anything to help [me] and that I do not need to cry to [him]. I was in tears because of stress and he yelled at me for crying? That is horrible customer service. What ever happened to companies valuing customer service?

I have already recieved a late fee of $39 and will most undoubtably recieve another fee of $39 for being over the limit because of my late fee. Because of the representatives' insensitivity to my current financial situation, I am now so sick to my stomach I can hardly stand it. I feel more stressed than I already had, I can't stop shaking or crying. I can't sleep and I don't know how we are going to have enough money to live on this month.

I have a baby, she is 8 months old, and I don't know if we are going to have enough money to provide for her. The representatives could have at least been caring and sensitive to my needs even though they claimed that there was nothing they could do to help.

Just to update everyone, I haven't used this CC since I got the BBB after them. Now they have raised my 8.8% to 25.5% and Juniper/Barclay claims that I am nearing the end of my credit limit. It looks like I am going to have to call the BBB again! Another company I am fighting with is Wells Fargo. My God! what is happening to these banks & CC companies? They are liars, crooks & theives!

From 8% to 25.5% in a week.

My friend's house is called from Juniper Mastercard more than 12 times a day. They are looking for their mother who is currently in another state taking care of her mother. My friends have to unplug there phone sometimes because Juniper never stops calling. My friends always tell them that they don't know when there mother will be home and to please stop calling and than less than 5 minutes later Juniper calls again. There have been several times that I have answered the phone and their house and Juniper begins asking me for their mother's personal information, which is incredibly rude. It of course did not bother me as much as it did my friends until the other day.

On March 16, 2007 a withheld number called my phone while I was in class and left a message. It was Kathy from Juniper looking for my friend and her mother. What struck me as odd was, why they called me looking for them. They called me on my cell phone and it is unlisted. Plus, my friend does not have a credit card so I do not know why they were looking for both of them. Then, the next day I recieved another call from Juniper and the man on the phone did not give his name but immediately asked from my friend and her mother. I told him he had the wrong number and he kept asking me if I was sure.

I finally yelled at him, Yes, you have the wrong number and please don't call me again. I called my friend and told her what happened and she informed me that Juniper had called another of friend of hers and her cell phone number is also unlisted. If Juniper calls again my mother and I are planning to press charges. It is creepy because the only explanations we have been able to come up with is that Juniper looked up my friends phone records and/or her personal information.

The only things my friend has put my cell phone number on was a few job applications which was quite awhile ago. I am not a card member nor have I given them any of my information. I would just like to know how on Earth they are able to contact me and get away with it. I do not want to end up with 12 calls a day.

I had been a Juniper Master Card holder for a few years, I ALWAYS paid my bill on time, more than the minimum payment. In January of 2009 I had successfully gone online and paid my monthly bill with no problem. In February tried to go online and could not log on to their on line billing. I then called them to make a payment by phone, they said they would waive the fee because I had trouble accessing their online payment program. I said Thank you and proceeded to give my checking account routing number and account number, twice. I got a confirmation number that the bill had been paid, and they told me I would get an e-mail when the payment was secured. I was going out of the state the following week and had not gotten an e-mail stating that they did secure the payment.

I called them again( 6 days after I gave banking info) and gave the agent my confirmation number and said I was going out of town and wanted to make sure the payment went through, the agent said yes everything is fine and have a good trip. Get home the following week, and they were hounding my ex-husband relentlessly, that they were unable to locate the account. I get a bill with all these fees late payment, return payment, and my interest rate jumps 5 TIMES the amount it was. I call Juniper and try to explain that I had a confirmation number I made the payment to no avail. They said they would review it and have a senior manager contact me, they never did! I told them I am currently unemployed due to the economy and I am collecting $251.00 a week in unemployment and I couldn't pay a now $385.42 bill, especially since I had done everything I was suppose to do, and asked them why they didn't check the account number that was in their system from the month before, their answer, they couldn't find it!

What happened was that I had read the check number that came after the account number, being new to this online stuff I made a mistake, they want you to go paperless to make it easier on them and when you make a mistake, they penalize you and act like loan sharks. I am not going to pay this and told them that, I need my unemployment checks for necessaries, food,shelter etc. They said it would affect my credit, and I said well I had a bankruptcy in 2005 and you still gave me credit! I then told them I would be very happy to pay it if my interest was the same and they took the fees off, they didn't want to hear it. I said I would join the other millions of people out there with bad credit, and it was good to see the little people turning around and screwing the banks after they screwed the american public by being greedy.

I changed my checking account to chase bank and their rep put all my online accounts right into my chase account which makes it much easier. In closing one account, and opening another my WAMU account payment was kicked back by Bank of America. I called WAMU and not only did they take the fee off, they didn't raise my interest 5X the amount. I have lost sleep over this, and have had anxiety related to their loan sharking procedures.

I have had a Juniper Mastercard for approximately 6 years. It had an 8.90% fixed rate. I always paid my bill early, always paid more than a minimum payment and never ever went over my balance. I received a letter in the mail on 3/13/09 stating that my interest rate would be increasing from 8.90% to 14.90%. When I called customer service I was told due to the economy they were raising my interest rates. I told him that I hated to see what they were doing to people who were behind on their payments or were laid off. I was talking to a guy in the Philippines and I told him that I knew it was not his choice to raise my interest rate but that he was going to have to listen to me rant for a bit. I feel like an idiot following all their rules because what did it get me!!!!!

The consequences are that I am going to have to close my account to keep it at the 8.90 % rate and pay it off slowly but surely. I won't be able to use the account should a car repair or something come up unexpected. I am a divorced and try to help out my daughter and son-in-law. Now I will be more strapped than I had been.

They over charged my account and applied purchuses i didnt make. when i filed a fraud report they said they invertigated and than the charges where correct. I ask for proof and they denied me the right to see proof. I treyed over and over to get it straitened out but no luck. I told them to close the account and they refused.

my card has over the limit fees on it now and false purchuses, ect

Juniper MasterCard aka Barclay Bank of Delaware; unethical banking practices and double dipping with the Economic Stimulus package On March 12th, 2009 I received a form letter from Juniper MasterCard aka Barclay Bank of Delaware awarding me by indicating that my annual APR was being increased 66.74% from 8.99% to 14.99% effective with my billing cycle that begins on April 1, 2009. What nice April fools Day surprise.

I maintained my financial stability throughout these economic hard times and recession, I have always paid more than the minimum due, on time every time, I have not gone over my credit line, nor abused excessive cash advances. Although I see through the WWW numerous complaints about Barclay rising peoples interest rate, but however they have defaulted by being overdue or over their credit line. In my case this is not so, and far from what I ever expected, as a perk for being a solid customer.

The form letter has no signature, and ends with a cold closing that if you reject this new (cut-throat)term? to send a letter (not third party) directly and they will be so kind as to then close your account and require the full pay off of any outstanding balance under the CURRENT terms until the account is paid in full. I have no intentions, nor the affordability to simply pay off my balance in full at this time, close my account and damage my credit rating, however, I feel strongly that this is an unfair business practice, and clearly needs to be documented. The President is bailing out these banks, and they are now double dipping. We hard working honest good credit responsible people are paying by the huge tax paying Economic stimulus package AND yet the bank raised my interest rate for no legitimate reason.

Our oldest daughter is 26 years old and self-admitted herself into a 12-15 month treatment program in Sept 2008. She had significant amount of loans/credit outstanding that she had been making minimum payments on until being admitted into treatment. She contacted all her creditors prior to being admitted to alert them in advance. She did NOT give them our (her parents) contact/phone info. Somehow these creditors have gotten our home and work numbers, and are HOUNDING US relentlessly.

It does not matter what we tell them regarding our daughter. It doesn't matter that these are not our debts. I've researched and found that these creditors are not supposed to be calling us to reach our daughter - ESPECIALLY after we've told them she doesn't live here, we have nothing to do with her debts and to remove us from their lists. BARCLAYS BANK has been a BIG OFFENDER, calling us THREE TIMES in the past day EVEN AFTER we told them to cease. Two of their three employees, Tiffany and Sharon were aggressive, abrasive, demanding of information we don't have / can't give. Obnoxious about not giving more than their first names and an 800 number. Insistent that the calls won't stop from Barclays until they get what they need. We receive dozens and dozens of calls daily from predatory creditors looking for out daughter. These are not our debts; our daughter does not live here. We can't help any of them and we can't seem to get the calls to stop. This is insanity.

Notice received 3/12/09 indicating rate cahnges effective May 1, 2009. I have never been late and have always paid more than requested. The customer service representative was extremy rude and would not explain this process other than telling me that I could close out my account and continue to pay but this would affect my credit rating.

They have a common pratice of charging overlimit fees because Barclay feels that the customer can't do anything about it. They have very unethical business pratices that should not be allowed.

When applying for the Barnes and Noble Credit Card aka Barclays, I was to receive a $25.00 gift certificate. I tried to use that credit and it would not go through on the purchase. Later, I was charged a membership fee for the card and tried to dispute the charge because there was no indication when I applied that there would be a membership fee charge. I have documented several attempts to resolve the issue from August 2008 to the present, March 2009. I was told in December 2008 by Cathy from the Support Department that no merchant disputes would be accepted. Neither a verbal or written dispute was accepted despite the countless representatives that confirmed that my account was closed with a zero balance to resolve the issue.

The resolved dialogues never appeared on my bills. I continued receiving bills and following up with the company about the issue every month until recently. I even paid $25.00 on line with the closed account number on the check to resolve the issue and it was sent back indicating that they could not identify the payment.

I tried to re approach the issue again and again, in a calm and assertive manner, with both Barclay and Encore, but Barclay refuses to discuss the issue or my concerns. I have an excellent credit record and am concerned about it ruining my credit record and feel that I might want to get legal advice because I think they are doing this to a lot of people and getting away with it. I think that they are scamming a lot of people out of money.

I have had the Jupter Master Card for 2 ythen ears with the introductory rate. Anyways, between then and now, I sent my Feb. 09 pmt. three days before it was due, on Feb 26, it was received on the 28th, it wasn't processed until March 3rd. I called them after I got my statement yesterday, they bogused up my interest from 12.99 to a whopping 27.99% and were rude and were insulting. Now when I finally get my 994 back from the IRS, I am going to pay off at least 1/2 of what I owe, then make extra pmts after the monghtly pmts to go straight to the prinicipal.

They make me SNAP and go CRAZY! Please have a lawyer call me.

I have had their credit card for 60 days. The first month they charged me an over the limit fee of $39 for going over by $.20. I called, yelled, argued, they weren't budging on that fee. So, I went ahead and made a payment bringing my balance $20 below the limit. Right after I made my payment, they charged me another over the limit fee and I WAS NOT OVER THE LIMIT at that point. I immediately canceled the card and I told the woman on the phone that if I get charged another over the limit fee, I will not pay the credit card at all. Can't hurt me any more than closing the account can.

Their customer service is horrible. These people can clearly understand you and they are trained to repeat the same sentence over and over and over again without answering your question. This bank practices unethical business and should be shut down.

I have had anxiety over this for the past 2 months. I find myself checking my account obsessively fearing they are going to throw more fees in and I feel that I have no control over what they do. They can continue to do this to anyone and nothing is being done about it. I have emailed them explaining everything detail by detail because you have no idea of the education level of the people that are reading the information.

If they do not remove the fee they charged me, I refuse to pay this credit card. I already canceled it and it is not going to hurt my credit any more than canceling the card did. I have 10 other credit cards, all paid on time, with no problems. Someone needs to do something about this company.

Increased finance charges in error. Long time customer. The last payment made was for $19k to pay off the balance. They claimed they never received it although the other payments I sent by mail were promptly received and credited by other parties. They assessed late charges and finance charges at the exorbinate rate. Upon receiving a call from them, I stopped payment on the check and paid by phone transfer. The balance on the account was zero. One month later they put my check through and now I have a freeze on my checking account. If they receive a check and there is no balance you would think someone with a brain would review and see the notes on the account and return the check as requested. But no, that would require someone to think about customer service.

Every call you make gets forwarded to the Philipines. On only one occasion was I transferred to the US where my concerns were promptly addressed and resolved (when I had to stop payment). Now I can't get them to transfer to the US, the Philipines puts me on hold and disconnects my call so they don't have to deal with the problem. My bank account is tied up, the Barclays has a $19,000 credit on my account and I can't get anyone to help me. Barclays needs to quit outsourcing! I am still trying to get through to them and as soon as I do, I am canceling the card and never doing business with them again! That is if I can ever get through to them.

Loss of use of money in my personal bank account. A useless credit on an account that I will never use again. Barclays use of my money.

This credit card is falsely represented on all Carnival cruise ships. They state you can receive free cruises by using it. The problem is that they give you points that amount to next to nothing. I have spent over three years with this company and still have next to nothing in the way of a free cruise. You can get better deals going on the internet and booking a cruise on any discount cruise site. The interest rates have gone up to an exorbitant amount. In fact with the interest rates I've paid alone, I could have paid full price for a cruise.

This company has got to be stopped! They are misleading everyone and then after having you as a customer for a few months, they find a reason to charge exorbitant interest rates. I feel that they have done irrepairable damage to my mental health trying to keep above their exorbitant rates. I have even refinanced my house trying to get out from under the debt it has assisted in causing me.

I applied and got a Juniper Master card at 8.9% interest rate; in May 2008, I called Juniper customer service and informed them that i will be traveling to China from May 28 to June 30 and if I can make the payment after I return from China and I was given permission by the customer service agent to do that. In August 2008, my interest rate was increased to 23.99% and I called customer service to inform them of the arrangement I made in May; I was told my interest rate will drop to 21.99% and I was told to call the following month so that my rate can drop back to 8.9%.

However, in September 2008, my interest rate was increased to 27.9% and when I called customer service again, i was told there is nothing they can do about it. I asked to talk to a manager and I was told the manager was busy and he will call me back within 24 hours. he never call. I am still paying 27.9% interest and I feel that Barclays Bank's practice is fraudulant.

Told them not to call on 2/17/09 8:40 am. (the number was blocked this time, but it is the same company with a call back number. Told them not to call on 2/14/09 9:37 am. Told them not to call on 2/12/09 1:30 pm. Told them not to call 2/11/09 11:40 am, 2/10/09, 2/9/09 and 2/8/09. Told them not to call on 2/22/09 Sunday 1:54 pm. I would like someone to do something about this immediately.

I was sent a Juniper credit card offer in the mail with an interest rate of 8.9% in Feb. 2008. In June, they lowered my credit limit with out notifying me. When I used my card to make a purchase, they did not decline the charge allowing me to become over the credit limit. This way, they could attach extra fees onto my acount making it even more over my credit limit. They also could then increase my interest rate to 27.9%. This has got to stop! I am disabled and on limited income. I have sent them a check to pay them completely off. But I want them investigated for abusing thier customers.

I was charged ridiculous fees and charges which made it difficult to keep up and pay all the bills. I suffered anxiety and panic attacks due to this whole mess. Depression even set in.

I too have had similar problems and I am going through one right now. before I do that let me explain that I have had the same problems with Barclay Juniper of overcharged fees, interest rate rising etc. I had scheduled a payament for the end of February. my card that I scheduled it with was stolen so I called Barclay to CANCEL the payment. instead it was sent through and of course did not clear. I am waiting to see what charges they are going to hit me with.

I called several times to let them know but get people who DO NOT SPEAK ENGLISH. when I asked when I could actually talk with someone who speaks English I was told that it would not happen because the calls are routed to the Phillipines. Any one who has had similar problems with BARCLAYS or ANY BANK for that matter can file a complaint with: THE OFFICE OF THE COMPTROLLER OF THE CURRENCY. CALL TO GET COMPLAINT FORMS AND FOLLOW THROUGH. THE MORE WE COMPLAIN AND THE MORE COMPLAINTS THE BETTER CHANCE WE ALL HAVE OF GETTING ACTION

I scheduled an online payment through Juniper/Barclay electronic future payment scheduler for $50.00 on 1/29/09. Payment due on 1/30/09 My Chase bank froze my account by mistake. The $50.00 payment was returned. It was out of my control. I went to Chase bank and met with one of their account agents Matthew Braxton and his supervisor. We called Juniper/Barclay (customer service assistants) and the three of us talked over the phone. The Juniper/Barclay assistant confirmed with Matthew to FAX over a letter stating Chase bank made the error resulting in the $50.00 return. That I/Mark B. had available funds for the scheduled payment. Then Juniper/Barclay would release the fees.

On February 20 2009 I received a postal letter from Juniper/Barclay's Relationship Manager C. Wycliffe they will not release requested fees. When I called the phone number supplied in the letter for any questions I may have it goes to the same auto mated account system as the phone number on the back of my card... hmm, imagine that! Anyway no matter who I call the Juniper/Barclay assistants will not connect me to an account specialist. I receive the same treatment previously posted: account specialist will contact you 24 to 48 hours... It's joke!

NOBODY from Juniper/Barclay returns calls. If anything they hang up with-out notice. (some form of amateur phone training course). So sad I have no other recourse except to cancel this account from personal defamatory credit and revolving charges. $39.00 late fee. $29.00 return item fee. $50.00 insufficient funds fee. The positive results is coming forward and posting this credit card owners abuse. Now I know to research the internet before doing business with ANY credit lenders.

If I would have seen all these complaints before I would have never done any business with Juniper/Barclay Bank! The $118.00 in fees isn't bad enough then ruining my credit rating is! Very rude phone assistants, absolutely NO customer satisfaction! I'll continue to file disputes with BBB and federal agencies. Damage credit report. $118.00 in fees.

Hello, I recently closed out my Barclays Bank/Bank Atlantic Rewards Master Card Because they raised my interest due to a late and over the limit fee; however the over the limit fee was caused when they raised my interest to 25% from 10% in one statement. My first question is how ethical is that practice? Second, they then continued to charge me an over the limit fee for the next statement (though the account was closed and I paid in time) because I did not pay the over the limit portion by an earlier due date NOT noted to do so in the statement, but referred to in the terms I received back in 2006. When I argued to them that it appears that they have two due dates, yet only announce one, I was told that by law they are not allowed to list two due dates. IS THIS PRACTICE LEGAL?!!

I have had an account with Juniper for over a year. I have always paid on time. This month my payment was 3 days late and I was assessed a late fee. As a result of the late fee, I went over the credit limit and was assessed another fee for that.

I am having to pay another fee for being over the credit limit when the reason I am over the limit was because of an earlier fee they have assessed. They responded to my complaint indicating that they are operating withing the terms and conditions of the contract. I did not read all the fine print when I signed up for this card, and they may be technically accurate. That not withstanding, I think this is an unfair business practice

I opened up a acct 12-6-08 I had them to do a balance transfer from chase bank. The man told me about the 3% one time fee to do this I needed to transfer $7000.00 but I wanted the $7100 but he said I would be fine and I would not go over.Well guess what fisrst bill I was suppose to have a o% rate now it is 36%!

I called explained it they said I would have to write a letter and fax it to their executive so they can determine if it was their error. which it was They balance transfer went over $13.00 snf they stuck a purchase of $68.00 Payment protector I never authorized and they have tacked on another $39.00 Overdraft fee. I point to them was he knew it was over when he did the balance transfer and my rate would increase. This is a scam and I do not want to deal with them I faxed a letter but I already know what the outcome is I have had problems evn when I called and filled the credit application over the phone they charged $3.00 to my bank they transfer to and said they never did add that charge but they did. I spoke to fraud at chase and they told me. I will try to get another card just to get away from this place.

I took on this card about 6 months ago. I used it to transfer a balance from another card to lower my APR and pay off the balance. I had a about $1000.00 of space left on the card. About 2 months ago they started sending me e-mails telling me I was reaching my credit limit. I was stunned because I had never spent any money on it. I went to the website and found out that not only had they lowered my credit line to just above my balance, they also raised my APR to 24%. I think this was a deliberate tactic to push me over my line.

When I complained to them they gave me nothing but a run around. When I said I was going to take my business elsewhere they said go ahead basically. I was shocked. Anyway, I got another card and transferred my balance. After I had paid the balance and closed the account. They send me another e-mail saying I had a balance of $52.00. I called to ask what it was about and they told me I had a "cash Finance Charge" When I asked what that was I got no answers. The associate(s) spoke poor english and offered no assistance. I lost my mind with them. Then the mgr. gets on the phone and basically tells me the same thing - which was nothing. I was livid. I think this organization needs to be investigated for thier practices.