Barclays Bank/Juniper Financial

First off, I want to start by saying I don't have a lot of credit cards but being a new business owner has put me in a money crunch. I've dealt with all the other companies in putting me on a payment plan in which to help me, a tax paying American. However, when I had a late payment last month, Barclays advised I needed to make my payment in order for them to offer me a payment plan. Ok, done. Then when I called back to make a payment plan they tell me my account needs to be in past due status in order for them to put me on a plan. The complete opposite of what I was told!!!

Reported a double charge from a travel company to Barclay. Started an investigation in May. Sent in all the required documents they requested. As of now, 3 months later, all I get is lip service. Tells me the charge is still under investigation... When asked when the investigation will be over or any such time frame, nobody can answer that. Have spoken to managers, and now they tell me if I want to go further I will have to write a letter to the office of the President... THE WORST CUSTOMER SERVICE EVER!!! As soon as this is over, I will be cancelling my card.

I have been a credit card client with Barclays for almost 12 years. Today I received a letter from an obscure credit card issuer stating that Barclays had sold my account to them and as of September 2018 my Juniper Card would convert to a Mercury Mastercard. Barclays did not notify any clients and doesn't provide any information through customer service other than to state that, "your account has been sold". To be clear, my account is in good standing and has been for the entire time it's been open. It currently has a 0 balance. Essentially what Barclays has done is force many of its clients into a business relationship not of their choosing. Your only options are to continue with a company that you know nothing about or close your account, which would be detrimental to your credit score. This entire action shows what a lack of regard Barclays has for its clients. It will be a very long time before I ever consider doing business with Barclays again.

I primarily used them for my travel card. I booked flights to Nicaragua for me and my cousin 962 total. When I did the initial transaction they denied the charge. I called them because I know I had nearly a 10k limit and hadn't used the card. They stated they declined the charges for security reason and advised me to rebook the next day. I rebooked the next day and the charges went through; they then for reasons unknown released the funds for the original booking. Now I have 2 bookings, I dispute the charges, they deny it. I try for a YEAR to collect my 962 from the airline to no avail. I go back to Barclay figuring since this was their fault that they would correct it.

This card does not care if you are a loyal member. I've been with them over a year with a credit limit of $3700, and out of nowhere they dropped it to $1500 without ever missing a payment. By doing that it also dropped my credit score over 75 points. The reason they gave me was due to information that was on my credit files, which was already there when I submitted my application. I'm so upset right now. Even when you do the right things you still get punished!

BARCLAYCARD REWARDS IS A RIPOFF. The few months I have had this card I get charges that I did not authorize. I went to pay my bill today at 6:01 pm CST and I am being charged a late fee because I didn't make the payment one minute earlier according to page 4 in small print of the credit card statement. I ENCOURAGE EVERYONE TO STAY AWAY FROM THIS RIPOFF COMPANY.

Have had the Carnival Barclays Credit Card 9 months now. It’s the WORST CARD I have ever used. Had my payments bank drafted so I would never be late. Barclays charged me a late fee and would not change it. Then they drafted THREE payments out of my bank account for $2,900. This caused an overdraft from my bank. They refunded $2,900 but did not refund the other overcharge. Their customer service is the worst I have ever dealt with. Said it would take 30 days to resolve the problem and IT WAS THEIR ERROR that caused the problem.

I received a letter with great sounding amounts, interest rates, and so forth. I was supposedly pre-selected. Immediately I went online, applied, and got a response. "We're unable to approve your application for a Barclays Personal Loan at this time." Why send me such a letter and waste my time? Certainly nothing has changed in my credit reports, balances, or anything else within a matter of a few hours or even days. I have always paid all my bills on time and usually more than the minimum. Don't waste your time with Barclays.

Barclay Card Loan Offer is fraudulent. I received an offer in the mail for pre-approved online loan. Offered great interest rate and payback options. Stated it was easy to apply with no hassle and an answer in only a few days. I provided all of the personal information they requested and even had a few phone calls with them (taking longer lunch break to do so). They continually called me maam instead of sir even after I told them I am a sir (and as it appears on the information I sent to them). I have a hypofunctioning adrenal gland, so I do sound more feminine than most men. They stated they could not prove my identity (I sent them my SS card, driver's license, copies of bills mailed to my home, gave them previous address information that I could remember (I've lived in the same house for 21 years), my W2 and a copy of my latest bank statement.

I had an LL Bean credit card through Barclays. I set up the automatic payments to have the balance of the credit card paid in full every month. I thought that arrangement would prevent any late payments. Wrong! I just received a statement with a late fee and past due notice. I looked and saw that the arrangement to pay the balance automatically was still, I thought, in force. At least it showed up that way on my account on the credit card's website. I called customer service to find out what happened that the bill wasn't paid. I was informed that the automatic payments are only in place for 12 months!! I certainly don't remember being told that when I set up the automatic payments and I know I never got a notice saying that my automatic payments had expired. I was charged a $27 late fee.

Barclays attracted me because of their savings rate and also they are supposed to be an international bank! The savings rate is one the competitive rate in the US; however, when I tried to open account it was horrible experience. The Company did not contact regarding my application, I contacted numerous occasion over a week and I was asked to send in verification documents which I promptly sent. After a week of back and forth I was told to reapply with my full name! When I called the call was dropped and never to be heard from this bank! To me this is absolutely unacceptable and unprofessional ways to do business. I will keep my money with American Express Savings as they are much better professionals to deal with and also highly competitive with their savings rate.

I kept logging into my computer to see when my $5,000 balance transfer was going to happen. It finally happened but to my surprise there was another balance transfer for $5,205 and transfer fees for both. One Transfer fee was $150.00 and the other $156.15. I called Barclay credit card on May 16, 2018 at 2:23 pm Mountain Time, to inquire about this and they tell me that it came from my computer. I assured them it did not. I asked to keep it the way it was because I spent the entire day figuring out how to make it work. I only asked that they take away one of the fees since I did not make the one balance transfer. I got nowhere with the first gentlemen I spoke with then I spoke to the manager and he repeated the same thing. They said, that they can send the $5205.00 back and I said, why would you do that, doesn't it cost money? I told them it was ok to leave it just do the right thing and take away one of the fees.

Due to the predatory lending policy of Barclays Bank, they are lowering the credit ratings of innocent credit card holders. With a due date of the first of every month, if the payment is made early during the final days of the month before, the payment is not credited to the month of the current bill, thus incurring a late fee and report to credit rating companies.

I have had this card for over 5 years. I would charge several hundred dollars a month to sometimes over a thousand and would always pay the balance in full. I recently purchased a home and my credit utilization has skyrocketed. I paid the balance off of 7500.00 then charged it back to 3500.00. They then LOWERED the limit down to 3500.00 without warning, trashing my FICO score. As if that was not bad enough they even closed the account!

I have been with Barclays credit card through L.L.Bean (they really need to rethink who they are using) for 10 years at least. Even though I have paid my bills on time and have an excellent credit rating, the APR shot up to 22%. It is outrageous. I have been thinking of switching to another bank company and transferring the amount which isn't a lot actually but I need to lower my monthly payments. They have recklessly increased my available amount without even confirming if I want to. I just hung up now from asking a rep (Cheryl) who did not have any time of day and immediately said no. I am utterly incensed by this lack of concern for their customers which also reflects on L.L.Bean. Until now I have been a dedicated customer of L.L.Bean but no more. Shame on them for doing business with Barclays who clearly has no concern for the customer. I will be looking into other options.

I contacted them in regards to fraud on my credit report by my brother and now they are trying to pin the fraud on me and their so-called investigator said they will make me pay for all my brother's charges.

They cut my available credit right after I paid it completely down. I've been with them for YEARS and have always been on time and paid more than what's due!!! Despite being a loyal customer, they refuse to increase my limit which does not help my score. I will keep this card ONLY to avoid hurting my credit score but if I could turn BACK the hands of time, I would throw their offer right in the TRASH!!! BARCLAYS SUCK BIG, BIG, BIG TIME!!! Consumer beware...

On 2/19/2018 I got my free credit report from TransUnion and under soft inquiries I saw Credit Shop and had no idea who they were. I called TransUnion and they said that Credit Shop was associated with one of my accounts. I called all my accounts and every account holder including Barclays card and everybody said they were not affiliated with Credit Shop. I got so angry I called Credit Shop. I spoke with Karen ** and she informed me that they bought 700,000 credit card accounts from Barclays in March 2017, and that customer service reps wouldn't know and I even spoke with supervisors who also didn't know. Karen ** at 877-203-7444 Opt #** told me that Barclays was servicing my account and they were receiving the money.

I closed my Barclays card because I had too many cards open and it affected my credit score which is in the 700s since I pay my cards off in full. When I closed my card, I was under the impression that I had a zero balance and cut up my card. There was a payment due from that month that I tried to pay off but then bounced due to the fact that I had fraud on my account and therefore my account was frozen. Here's the problem. Barclays didn't call me to resolve the problem once the 2 payments I tried to make bounced. Secondly, their system sets clients up for late fees by not zeroing out the balance prior to closing the account. There are too many cards with better service than Barclays card. Go with a card with better service, integrity and rewards.

For the last 3 months my Apple Rewards have been disappearing from my Barclay Visa account. Every time I call customer service they have not been able to provide any answers as to where my points have gone. I have called the "Office of the President" at Barclay Visa card and they are useless in providing any information. It is my belief that my Apple Rewards are being taken by someone on the inside of Barclay Visa.

This is the worst card I ever had. Waiting for a call from Lisa from their so called president’s office since forever. Card does not work abroad (even after informing them of travel), refused to give me copy of my statement, employees rude and disrespectful. Will cancel card. Also have several thousand charge a months and always pay it off at due date. Kept a reversal for 13 days until it was posted to my account. Borderline criminal.

I use this card for emergencies only. They have started charging a fifty cent "minimum purchase" WITHOUT MY CONSENT then hitting me with a $24/mon late fee for not paying the 50 cents on time! This is a scam and shouldn't be legal. IF they need to charge a maintenance fee on the card then do that -- but they are counting on no one noticing that 50 cent charge.

I have an above 700 FICO, and I've had this account open for over 5 years and have never missed a payment or been late. My initial limit was 12k, and somehow they have managed to decrease my limit every couple of years. I received a message from my credit monitoring this weekend, 2/17/18, that my limit was decreased again from 5300 to 4800. My balances aren't high on my other cards, most of my CL are above 30k and yet these guys somehow seem to decrease me. I have NEVER had a credit limit after 5 years of perfect pay history. Incredible. And of course when I call in to have them review on Presidents Day, they discussed my whole account, but chose to tell me I needed to update my phone number with Experian "whom they don't pull btw in Texas" and until then they can't process the review. Don't use these guys and if you do, this is what you're in for.

On Feb. 19, 2018, I used automated system like I have in the past make my husband’s credit card payment. I was not allowed to make the payment this time. Is this a new policy that a spouse cannot make the payment from our joint checking account? I have been doing this since day one but can no longer make the payment. This is just ridiculous!

Barclays is the worst banking company I have ever dealt with. In December I finally acquired my card after sending in a scanned copy of my social (not secure). In January Barclays withdrew my remaining balance of $2,884 on my new 15" Macbook Pro. The money withdrew from my checking account even though I had previously setup automatic recurring payments. My wife and I were perplexed as to why our checking account had suddenly dropped. We have a new mortgage, car, and other monthly payments and can't afford to just drop nearly $3,000 here and there.

In June of 2017 due to the hurricane I was left with a roof issue. I had a leak and contacted my insurance co. They sent people over that caused mold to grow throughout my house. I got so sick and was harmed. I am a disabled veteran. My house is a VA loan. I can’t live there due to the mold. Going on 4 mo I have had to live and pay somewhere else. I’m still paying my mortgage and bills. Both places. I’m not behind and I’ve never been late. Not on anything. It is getting to be too much. I have MS and autoimmune issues. I called Barclays and Melinda let me know she was sorry. They can’t help. They shut my card down a couple of months ago. I’ve never been late. I asked to please lower the rate from 25% down or make a plan or perhaps a payoff of something less. I offered 2000. On a 3000 Card. She said, “No sorry can’t help you.”

Received a letter stating that my 10,000 credit card had decrease by half because of a derogatory report on my credit report. I have had this card since 2008. Never late, always paid double what my payment is due. Call and told them this on my credit report has should have nothing to do with this Barclays. Explain that I am and have always been in good standing with them for 10yrs.

I've had a Barclaycard with Apple rewards for over 3 years now. I ran up a hefty balance and became delinquent due to Hurricane Maria - I was stuck in the Caribbean unexpectedly for about a month. I reached out to Barclaycard for help to no avail while Capital One put me on a program to help me get back on track. A few months later I paid my balance in full when I got my bonus. The day after I paid in full Barclaycard lowered by credit line by two-thirds and gave me no option to challenge their decision. I see a lot of bad reviews on this credit card company and I now know why. Please beware!

I was approved for a credit card with Apple Rewards from this bank back in October and I still have not received the card. I have already called 3 times. For the third time, I requested to talk to a manager and he is the worst person someone can be on the manager position. Does not seem to care the inconvenience customers experience. I said, "Can you check on the postal service," his answer was it is my responsibility and not the company's. I asked, "What if I don't received the card within the next 7 days," his response would have to order a new card which is another 7-10 days which makes no sense at all coz if I don't receive again they might ask to wait for a year.

I contacted customer service on card to report damaged chip on my card. It was frequently refused in NYC stores at which I had frequently used it. Customer service was below horrible. But Barclays is the only card which awards Miles and More directly each month. Awful nasty phone call.