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About Barclays Bank
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Barclays Bank offers financial services including access to personal loans, CDs, savings accounts and credit cards. It doesn’t offer checking accounts. Its credit card, called the Barclaycard, ranges from $0 to $499 in cashback rewards, travel benefits and annual fees. The company serves U.S. residents from its locations in 11 states.
Pros & Cons
- No minimum balance requirements
- Free mobile app
- No monthly fees
- Limited customer support
- Small U.S. ATM network
Barclays Bank offers fee-free accounts with reasonable rates and no required minimum balances. The company provides an easy-to-navigate mobile app and website. It’s available in 11 states.
Barclays Bank Reviews
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I've had my card since 2008, and within that time I paid my card off in full every month-- with the exception of a few times in which I still paid well over the minimum required. A few months ago, I had some medical expenses pop up and knew I wouldn't be able to pay my card off in full. I decided to set payments to the minimum required until I got back on track. First month, no issues. This month, however, they decided to take the full amount with no warning. Twice. I've now been charged $90 in overdraft fees. I called customer service to get everything sorted out, and was told that since he "wasn't there when I set up the payment, he couldn't do anything about it" AND I can't pay using my bank account anymore because a payment was returned even though it was an error ON THEM. I am livid.
They closed my account when denying me a lower rate through a credit management company. This was on autopsy and no paper statements. I did not notice the extra interest charge on my account. In March I went online and found that there are charges every month not owed. They have put it off every time I call. They reported late payments now and ruined my credit while actively in dispute. They harass with collections calls instead of the customer relations handling this. I am done. I need help. Please?
Please avoid Barclays Credit Cards. They will send you an amount of credit and then randomly reduce your credit without your knowledge. This is how they reward their customers who have never been late and who pay more than the minimum payment. They are sneaky and any agreement with them is likely to hurt your credit more than help it, even if you are perfect. I would strongly discourage anyone from dealing with this bank. I am very dissatisfied with the level of customer service on my account and would strongly caution anyone from dealing with this bank ever. Please avoid them at all costs.
Barclay Bank cards are rated highly for earning travel awards but heaven help you if you are overseas and need help -- because Barclay's won't. For the second time in two years they have replaced my card (their initiation) without informing me in advance. They start by postal mailing the new card to my address of record, even though I have informed them in advance of my travel plans. When I call them to discuss it, they act surprised to find out I am abroad and that I won't be back home to pick up my new card any time soon.
Last year I went two months with NO CREDIT CARD at all as I was stranded overseas when they nullified the old card before I received the new one. They sent three cards to me overseas the first two being useless because they fail to allow for sufficient delivery time. Then they express surprise when the card does not arrive in time, even though you have told them the amount of delivery delays usually experienced. Just now they have repeated things. I only now learned they have already mailed a replacement card to my home address, even though they had been previously informed I will be away for months. They say they'll give me thirty days to use my former card -- let's see if they have any ability to get a new card to me here overseas within that time. I have my doubts.
UPDATED ON 09/24/2015: Nearly two months ago I wrote a review to complain that Barclays Bank for the second time in two years has unilaterally opted to replace my credit card while I am overseas. Back then I wrote that I wondered whether they could get the replacement card to me in time -- they couldn't. Since the beginning of August I have been told that no less than four replacement credit cards have been sent to me in this overseas location. None have arrived. The latest one is due no later than tomorrow supposedly by FedEx delivery. However, I have my doubts. This is because they cannot come up with a FedEx tracking number. Barclay Bank tells me that when they send cards via FedEx delivery, FedEx never gives them tracking numbers for the parcels. However, last year when Barclay replaced my card while I was overseas, they did send by FedEx and I did have tracking numbers.
So far in this incident, twice I have been told the replacement card was sent by FedEx but after an unreasonably long delay they finally do admit the card was sent postal mail. Also, I have been told many things on the phone by the Customer Service Center -- and by managers at the Customer Service Center that are flat out wrong, contradict what other Barclay staff have said, or that I know from experience to be not correct. I have exhausted my entire cell phone allowance this month on the phone to them. When I go to the web site and send a message they write back to tell me to call the Customer Service Center. When I call them, I spend endless minutes on hold while recordings tell me how much faster this could be done if I used the web site instead. Now I have no credit card and no cell phone in this foreign country. For phone calls, I have to use the inconvenient pay phones around the place.
This is it, folks. When I get back home several months from now I'm cancelling this card and telling the rewards program (from whom I have the card) that if they cannot get me a credit card other than Barclay's I will have to leave their program. Meanwhile, my only real hope for a credit card until then is if Barclays is able to get a replacement card out to me here. Barclay's Travel Cards - don't ever dare to leave home with one!!
Had card for two years--never late, always paid over minimal. After paying $1900 on card within one month the CL was reduced. When called to inquire why the answer was that my account had previously been flagged for multiple reasons. They reviewed the account and agreed I had never been late and paid more than minimum, so why was the account flagged for multiple reason? Uh hmm, uh huhh, uh. I thought the idea of credit card companies was to make money. Guess you can't do that if they can't charge you an absorbent amount of interest.
Out of the blue, I got an email that my airline affiliated card was reissued. Since did not request it and it doesn't expire until 2016, my spidey-sense told me something was up. Offshore call center 'Customer Relationship Rep' told me a local merchant in my area suspected fraud and they were protecting me by reissuing my card with a new account number. When I asked for the merchant's name (to be able to take my free speech consumer dollars elsewhere), I was told she had to protect their identity so she couldn't tell me. Protecting the identity of a company that has, at least now, a false reputation of consumer transaction safety is not protection; it's misinformation at best and outright deception at worst. I suggest you stay away, or if you like close-to-free money, use them for 0% loans like I do and give them no money in interest payments.
Placed a dispute on an item I knew nothing about. They denied it and still said I was responsible for it. This card is a joke. Closed my account shortly after.
I am so upset with this bank. They sent balance transfer checks that I never used. They felt it was ok to charge my account since 2008 till present $25. They now owe me $2000.00. I called and have been lied to by every employee that my case was in process and they will open another case since one case was opened with my complaint and closed without my knowledge of result and no money credited back to me. I wasted hours with anger from these supervisors lying over and over. Till I had a rep that fessed up and said, "You never made balance transfer so you should get all that money back." Well I'm done. So aggravated, did every step to resolve with them. Now let's see if better BBB will get my money back.
We have a fraudulent charge from a rental car company and they are not being helpful at all. We have asked for documentation and they don't send it to us. We call them and try to find out why we are being billed for $100 from EZ Rental Car. (That's another story and someone you don't want to rent from!) This has been going on since Feb 15 and it's now mid July 15 and they still do not have it resolved. They are so unhelpful, rude and their stories change all the time. We keep all of the paperwork they send us and when we call them they try to change their story. We are so frustrated with them. They are not working for their credit card customer. They are unprofessional and rude.
These people are the worst I've ever dealt with since I had credit! I was late with a payment, and they charged my account double payment, then closed it. I'm still paying them, on the account. They told me they'd charge me again if I was late again. So they get their minimum payments!
In 10 years, I was late on a $25 payment by 1 day, they put my account on hold. Ok fine that's semi-reasonable if not a bit gun trigger. The kicker is they cannot and will not reactivate the card for 48 hours even though I made the payment. I talked to three different managers they said they get this complaint all the time but they can do nothing to reactive a card. Do not do business with these people!!
Shut my card off because I didn't use it for 3 months and my credit card was shut down.. I had zero balance. Then they said they considered it a fraud alert. Had the nerve to say it was shut off for a fraud alert. Tried to send me a new card for half the beyond after destroying my credit score. I am livid. Do not use Barclay. Record every conversations and state it. The Attorney General will hear both conversations.
This place is nuts. Have threatened and harassed my wife over a platinum MasterCard. She has never had a credit card, and it isn't on her credit report anywhere. They are trying to get her to put $1000.00 on another card and when she ask them when was the contract and card was issued all they do is threaten her and say they will freeze all accounts and take her to court. What bank would give someone a card with a $4000 limit when they have no job or income whatsoever.
I am the fiduciary for a mentally-disabled 70-year old female who receives some V.A. assistance. She is receiving bills from Black Card Visa/Barclay bank that she has never had, never applied for, and simply cannot obtain without a co-signer to begin with. She is now being billed for over 500.00 for? I spent 1 hour on the phone with horrible response from Black Card Visa. As it turns out, she never applied nor received the card and there is no record of any purchase by using the card. Now Black Card wants me to send in paperwork verifying my legal position in this. NO, I am not doing anything. Who is in charge of this group? Why would I be required to send anything in for nothing that is remotely real in this patient's life? Horrible group to deal with. I am a nurse for a living, I make $64.00 an hour. I spent one hour on the phone getting Black Card Visa to admit they are billing her fraudulently. Who do I send my hourly bill to?
I received a promotion from Carnival Cruise lines indicating if I applied for the Carnival Credit Card and was approved I would receive a $75 Carnival Gift Card. I clicked on "Apply" which directed me to Barclay's Bank. I applied, was approved, received the Credit Card but never received the Gift Card. I've called Carnival several times - they tell me to call Barclay's Bank. I've called Barclay's Bank several times and they tell me to call Carnival. I don't like being scammed.
On May 20 I performed a balance transfer of $600 (plus $18 processing fee) and today two weeks later the payment was never received. After an hour of talking with Barclays rep they could do nothing. They actually told me to have JCPenny return them the $600 and then Barclays would credit my account. This is total bull!!! JCPenny never received the payment and there isn't even a pending transaction to JCPenny. Now Barclays says they are reviewing this and I have to wait another 14 days to find out what their research says. This is a total injustice and Barclays should be put out of business.
1+ month ago the intention was to close this card but the "customer care specialist" said the annual fee of $50 would be waived. When checking online compared to my current statement, a $50 membership fee was credited and debited. When calling to inform them of this error type membership fee vs. annual fee, they offered no reasonable explanation. In the first place, I never signed up for any membership fee so, the issue of trust and deceitful business practice came to the foreground. I decided immediately to CLOSE the account for this reason. I have paid on time and was never late or never paid interest fees b/c I paid my bill in full each month. Perhaps Barclay prefers those who they can charge interest and fees on as opposed to outstanding credit card holders. Beware of practices such as this.
In late May, I made a purchase a store near my house. While I was making my purchase with my debit card, the clerk stole the Barnes and Noble Mastercard (from Barclay) out of my purse. Twenty minutes later, I received an email communication from Barclay about possible fraud activity on my account. I immediately called the number indicated in the email. I was advised that the temporary authorization for the amount was flagged as fraudulent and that the old card had been deactivated. A new card was issued. I told the security representative that I would be filing a police report about the incident. The new card arrived several days later.
The next day, I was following up on my account online and noticed that the transaction along with another at the same merchant on the same date at around the same time had posted to my account. I called again and spoke to a customer service representative. I could barely understand him. He said he "again" tagged the charge as fraudulent and said it would be refunded on the next business cycle. After the call, I noticed another small charge, less than one dollar, that he had missed confirming, so I called back. I was transferred to the security department. The phone popped and cracked so bad that I could barely understand her. I was told that the charge was flagged a fraudulent, and pending an investigation, I may be refunded the less than one dollar depending on the outcome of that investigation.
I have been with Barclay for eight years and feel they could have taken care of this at the point of denying the temporary authorization.
In November of 2013 they had closed my account. I have paid them $100.00 a month every month since. I was told I owed $2,000 and even though I paid on time and over my amount required they decided not to renew my card. I called tonight and they tell me I still owe $1,875 because I am still accruing interest. They said my account was $2,600. This is such a scam. I can't log on to their site online because my account is closed. There has to be a way to fix these banks taking our money in high interest, so hard working people trying to pay our bills off to keep good credit.
I have a great credit score (700s), perfect payment history. Applied for $2k to buy the Macbook Pro 13". The 15" came out 2 days later so I called to extend my credit another $600 and they refused me because I am the co-borrower on a loan my husband took out to pay off credit card debt. It's total insanity to me that they think I cannot pay an extra $33 over the course of 18 months when our household income is over six figures. I closed my account on the spot. I have never liked the way Apple does business and this is only adding to it. Absolutely worst treatment I've ever received from a financial institution. Be smart, take your business elsewhere.
I had two accounts in good standing, never late, more than minimum paid, paid in full a time or two and had the cards for a while even on the VISA just received the renewal card. Today went to pay bills online like I do at the end of each month for the next month and accounts closed. No one can give an answer. Have to call back during normal hours. Paid the bills for next month. I used their money so I am going to pay it off fast. Why should I give them any extra for interest. I'd rather keep it from their stock holders. DO NOT GET THIS CREDIT. GO ELSEWHERE. If you are rebuilding your credit there are better companies with better ways to get what you need. With companies like this in America it's no wonder we are in the economic shape we are in.
Just been told my account has been closed. Had the card for two weeks and now they say they have changed their lending criteria. I have to pay the account off and still will be charged interest. Not good customer service, think their IT system went screwy.
Extreme Emotional Distress and Mental Anguish from Barclays credit card company. It has nothing to do with money, I do not owe any money, it's about their harassments towards me personally. I have their credit card for about one year now and have always paid on time monthly by phone payments. But few months ago they suddenly became suspicious of me and would Not allow me to pay over the phone anymore. No matter how I explained to them they would not listen to me and insists that I get cash advance from banks to prove my identity, but I don't want to get cash advance!
I did go to 2 different banks just to prove my identity but I would not take out cash advance no matter what. Now they have blocked my account so I cannot even pay my balance, it's going to incur late charges and penalties or maybe they will ruin my credit because I did not follow their Orders! I feel like I have been Coerced into doing something I don't want to... I asked to speak to the manager or supervisors but all of their reps would Not transfer me. They told me there's nothing else they can do for me Unless I go to the bank... I'm so very upset about this company that I wish something can be done about them!!!
Went to home depot to purchase $500+ but got declined. Got humiliated but it's ok because it's for my own protection. Called the next day to let Barclay card that I am going to do large purchases for my kitchen remodeling and the Barclay rep said that I am cleared and good to go but still got declined (several times) either a large amount or small amount. Called Barclay again but it's still the same. Barclay people.. please don't give customers big amount of credit if you're just going to limit our spending.. I am a good customer and you can see it through my records there. What a mess!!!
I got an offer for the Barclays Bank card when purchasing a laptop as a Christmas gift through Apple in December of 2014. The offer was 0% APR financing for 12 months. I have good credit, have never been late on any payments, etc. I was offered $2500 credit limit. I used $1800 of it. In April of 2015 I received a notice in the mail that my credit had been lowered to $1650 due to higher balances on my credit cards. None of these cards have ever had late payments, I have always paid at least double the amount due. Yes, the balance was a little higher on some cards but my available credit was a lot higher.
I have stock vest twice a year and pay down any credit cards during those times. I only carry larger balances on the cards with either no or very low APRs. After my intro 0% APR through Barclays which I will have paid off long before, I will be closing this account. Not at all a happy customer or a pleasant experience. Also, I requested electronic communication, and they contacted me through the mail! I rarely even check the mail. I just wanted to caution others from doing business with this company.
I was one day late paying my credit card bill. They hit my credit report for 30-59 days late.
This company calls my place of employment 3-4 times a day. They either hang up on me or have this recording asking for someone who doesn't work here anymore. Tried to call them but all you ever get is a recording. Guess I'm stuck with these ** for good.
I got the Barclay card for two reasons. One to help rebuild my credit and two to help me move my family to Alaska, if I needed it. I had received several offers from them in the mail and was not going to apply for the card, then decided that I would just in case I needed the card on our way. I had lost my job in the state I was in and by the grace of God only been out of work for two months. Yes, I had fallen behind on my vehicle payment, but was still approved for a $2k credit limit with Barclay. I ended up using the card on the travels. I got the family all situated and all the bills caught up in about a month and a half at the new job.
I never fell more than those two months behind on three bills. None was the Barclay card. I have always been in good standing with Barclay. I have always over paid them every month, they take forever to apply my payment to my account and I have even had to get my personal bank on a three way call with them because they tried to say they did not receive my payment when they had it right there in front of them, but it is always paid on time and more than what it due. I was about $850 away from having the card paid off and I checked online to make sure the most recent payment was applied and come to find out they decreased my credit line to $1300!!
When I called to find out why, first I talked to a nice girl that tried to help and she could do nothing. I ask to speak with someone that can, she tells me they are closed, I asked to speak with her manager and he tells me that it was a Barclay decision to decrease the credit line due to delinquent payments that had nothing to do with them!!
Let me remind you that these payments were caught up months before and had nothing to do with credit cards, they had to do with other banks. I then tried to ask him how they can lower my credit line when I have never been late with them and he cut me off before I was even done asking the question and then said he understands my frustrations, blah blah blah. Never could answer my question except for telling me that it was a Barclay decision! He also told me that they mailed a letter out on the 31st of March 2015 that would explain what he just said.
What kind of an answer is that? Not one! If they are going to lower your credit line they need to have a damn good reason and not give you the run around and go through several different people when you call. They are a shady bank, if you cannot get a straight forward answer something is wrong with that picture. I do not see how they can lower my credit limit when I almost had the card paid off for one and two, now I owe more on the card!! They said because they applied all the payments of $1040 that I made in one month to the last bill they do not have to give me credit for it!! How much crap it that?! The manager would not let me finish on sentence, he continually cut me off by trying to apologize which made me madder that I just had all that money stole from me.
I was also told I should have spent the money when I had it on my card! I will pay this card off and it will be cancelled!! They should not be allowed to run your credit whenever they want, that hurts your credit just as bad. I am trying to fix my credit and they are running it all the time!! That does not help me at all, those doing this to me brought my score down. And they said they are good for your credit, NO THEY ARE NOT!! DO NOT GET THIS CARD THEY WILL RIP YOU OFF IN SOME WAY!!!
I will be contacting the Better Business Bureau about this as well. The really sad thing is when they approved me for this card it was off my income from my old job, and when I started my new job I got a pay increase and now I just got another raise. I just find it funny how they are only looking at something that happen almost a year ago and all of a sudden they want to decrease my limit without even contacting me to give me a heads up, they just do it.
The other thing that really bothers me is that they have portrayed themselves to me that they help rebuild your credit and they have only hurt mine. I cannot do business with a credit card company that is only going to hurt me. I have work really hard for this past almost year to fix what happen those two months that I was out of work, I do not need this card to drop my limit that in turn dropped my score as well. This is not good business.
I have had my Barclays card for a couple years now and I originally got it because I am a college student and I needed a new computer. I was given a credit limit of $2,500. It has not changed for the past 2-3 years I've had this card. I ended up getting laid off but I was still making payments even if it was just the minimum payments. I am trying to raise my credit score and recently I have been able to put more into my payments so I started paying it down. I used part of a school loan and paid it down by half. It was nice to see I had over $1000 available to me if I needed it.
A few days later on March 27, 2015 I decide to check on my card and plan my next payment. I looked through the iPhone app and was surprised to see that I only had $322.40 available to me. I thought, this can't be right I made a huge payment and I know I had more available to me a few days ago. I thought maybe the app was glitching, so I logged on with my computer. Nope! It was the same online as well. I was so confused because I had no notice of this happening and I had no idea why they would cut my credit line like that especially because I was making good on time payments and even cutting what I owed down by half.
I called customer service and they said that because of a recent credit report showing I had some derogatory results their system automatically cut my credit line. They said it's based off what the credit agency sends them. They also said they had sent a letter to me on March 23,2015 informing me of this but I had yet to receive anything from them, not even an e-mail. So I didn't know what else to do, I made an account with TransUnion and it showed I had zero derogatory and zero delinquent. So I called Barclays back and told them what I found. The lady said I needed to check with all three credit agencies. So I made an account with Equifax and got my free credit report from Experian as well. Also paid for my credit scores because of course those aren't included with the credit reports.
I spent all day trying to figure out what is going on with my credit and credit card. I did find some things I need to dispute on my credit, however why now? Why now that I am making significant progress with my card, that's when all of a sudden there is an issue with my credit and they need to cut my credit limit? They told me they are constantly working with credit agencies and updating people's accounts. If that's the case wouldn't they have seen an issue with my credit long ago? I don't think it has changed much in the past few years.
Why did it take them 2-3 years to suddenly panic about my credit? I find it odd that this all happened after making that big payment. But yeah I am super annoyed, because now I have to take the extra time, I don't have to figure out what is going on with my credit situation and dispute it, then dispute it with Barclays and try and get my credit limit raised back to where it was. It was very discouraging because I was getting excited about finally seeing good results from paying my cards down and building better credit. Now this crap happens.
My former bookkeeper paid her husband's credit card out of my business checking account. When I called the fraud department of Barclay Credit Cards they told me it was not their problem. They told me to contact the policy & my bank. Both of which I have done. They said since she had access to my bank account numbers (almost all bookkeepers have this information) it was not their problem. When I asked to speak to someone who could explain to me why that person could take money out of an account that was not theirs they said as long as she had the number it was not their problem. I told them that they were going to be out money as I was able to cancel the last 2 payments & that I think they had a problem they just did not seem to care. The agent would not even give me his name as I did not have an account with them.
I have had this card for about 3 years, with an impeccable payment record. This past year I fell under hard times and was late on payments several times (about 5 payments). I contacted Barclay cards customer service (on each occasion) and made them aware of when payments will be available and my plan for paying off (Which I honored on all counts). I was always reassured that because I remained in contact everything would "be all right" on my account.
The credit limit I have is $2k. Of that, I had a balance of about $1500. As I had promised in my communications with Barclay, I made a payment of about $1100. (Now that my financial situation had been resolved, I could get back on track with on time payments. As I expressed many times to each agent I spoke with.) (Paid with taxes.) After making the $1100 payment, they closed my account with a balance of $4**. I contacted them and escalated the call 3 times, and was given the same answer. "The agents cannot guarantee accounts, I see that you did fulfill what you said you would, but we can't do anything for you, the account is closed. " This is very troubling as every inch of communication (from Barclay reps) made prior would indicate otherwise. The only option I was left with is to send a letter in... Not acceptable. Now my credit is affected as I have a balance without available credit, a closed account and completely unfulfilled promises.
I would avoid using this card/company at all costs. They will promise you the world, unfortunately there is absolutely no follow through on their word. Heaven forbid life happens and you get behind (I have several other card providers, all of which honored what was stated). Use Capital One, Discover, or another alternative. Don't use this bank at all costs. I'm sure I have a solid case legally. However, I don't have the funds to run against a giant of this size who clearly is focused on short term gains, and taking advantage of individuals in their most vulnerable state. (It almost appears as if they knew they were going to close the account, but wanted to make sure I put in the bulk payment I promised, why wouldn't I? I mean I LIVED UP TO EVERYTHING, I said I would...) Too bad that a company of this size cannot.
Got an email today which was for a Barclay account I opened a couple of years ago. I bought a computer and use my card for approx. $1300. I only owed a little less $500 as of this month and received an email today which was a notice my next payment is due in April but I noticed my balance was over $800 instead of less than $500. I called Barclay and they said an interest of $326 was added because when I made the purchase I had 18 months to pay it off in full. I told them I was never told this nor was I aware of this or I would have paid it off before then. The guy I spoke with told me "let me see what I can do," he came back and stated he could waive the interest if I went ahead and paid the $500 and something today. I told him that was not possible. I wish I would have check this site before I opened an account with these rip-offs. There has got to be something that can be done about the way people are being ripped off.
I applied for the NFL Card with Barclays while I was doing an app spree. They approved me with a 4K limit. I applied for other cards with them during that time and was denied for inquiries. Fair enough. I go to my account and I see $0 available credit?? So I call customer service and the automated system tells me my account is closed. Mind you, it was only about 3 weeks after I opened the account. The first time I get to a person they tell me they have to transfer me and transfer me to a VOICEMAIL???
So I call back and speak with a credit analyst and they tell me my account was close because I applied for and opened cards after I opened theirs. DUH! I was shopping around for the best benefits. My account with THEM was in good standing...Why does it matter if I opened other accounts? I had a zillion inquiries and opened accounts before they approved me...They should've denied me if that was the case. They said they could reopen my account in 60 days if they see no inquires but I'm not about to be at the mercy of one credit card company. Just so they can do the same thing later? Who do they think they are?? I'm never getting a card with them again. BofA, Citi, Capital One have been great cards and I plan on getting a Chase and AmEx later. I don't need Barclays. Don't go to them.
I am a college student and in August 2013 I purchased a custom Macbook Air using the Apple Barclay financing offer, so I could pay off the Macbook over time. First and foremost, the deal was supposed to be in interest-free financing deal for 18 months. Well regardless of that offer, I was charged interest every month since I bought the Macbook.
Secondly, this month (March 2015) I got a surprise charge on my Barclaycard account. I went to pay my credit card this month and noticed by balance was over the account limit. I called Barclaycard US and they basically charged my card roughly $440 DOLLARS out of the blue. They told me because of a "promotional deal" with the Apple financing, they were allowed to charge me a massive one-time interest rate towards the credit card for not paying off the credit card in 18 months. I was furious and felt this was dirty, fine print tactics on their part. A fine way to treat a customer who's paid their bill every month for over a year even more than the minimum balanced to try to pay the card off.
They gave me a deal to waive the interest charge; I had to pay the remainder of my original credit card balance off (roughly $1,400 dollars). I was forced to pay it otherwise they would keep the $440 dollar charge on my account, forcing it to go over my credit limit and making me pay even additional fees on top for the account being over.
Maybe there was some fine print over the promotional period, but I felt this was absolutely atrocious. They basically cornered me out of the blue today to pay off my credit card! What's the point of a credit card if you can't use it to pay something off? Luckily I have money and a new job otherwise I would not have been able to pay that $1,400 so immediately. Furthermore it is sad because this is something geared towards college students who already have enough student debt in loans. How can they get away with such a thing? I personally felt if I was past some promotional period they would up the interest rates slightly. Instead, they charge me a massive fee for not paying off the credit card.
I'm not sure how they can get away with treating people like this and this is probably why the country is in so much debt today. I don't care what way you look at it. At the end of the day, this is nothing more than a credit card company being greedy and controlling to a customer.
Charged a fee after the first year. When I called to remove the fee, they accused the call of being fraudulent and refused to close my account until I visited a bank to verify my identity. Can anyone please explain to me what thief would want to close an account instead of simply use the card or try to get cash advances? Not only did they have no reason to assume fraud (besides the sound of my voice, they kept referring to me as ma'am instead of sir), the customer service specialist actually hung up on me! Stay away!
I subscribed to Barclays only because I want to warn all women about how sexist they are. Although I was the primary earner and that was obvious, they only took direction from my partner. He used this advantage to screw me out of all my money and possessions while I was working abroad. Barclay's attitude was that he was in the right, that I wasn't worth listening to and if I couldn't come to the bank they would take his direction. I was working in Denmark and he managed to restrict the accounts so that I couldn't even purchase an airline ticket, in addition to the fact that I needed to work during the week and Barclays is only open during the week, they wouldn't even consider making an appointment early Monday or late Friday to accommodate my flight schedule.
I had to have a friend purchase an airline ticket to get me home. Of course he was the **, but Barclays certainly helped him even when it was obvious that I was the one earning. I figure that the ** owes me close to half a million pounds and that Barclays assisted him with at least a hundred grand of that.
Barclay's has the worst fraud protection of any credit card I've ever owned, and I would strongly discourage anyone from doing business with this company as it's got some serious customer service and procedural issues. My number was used fraudulently to purchase an item online, and shipped to a strange address in another state. I've been through 3 rounds of letters and even filed a police report but they are unrelenting about removing the charge. The worst part is that out of the blue, weeks earlier, Barclays sent me a new card indicating that they believed my card/acct. was at risk. I stopped using the new card immediately and activated the new card. Trouble is--they didn't shut down the old card number for a week, so for an entire week two credit card numbers were active simultaneously. This fraudulent charge came in during that week, and yet they are making me fight and fight to get it removed.
I was approved for credit card on the 6th of February. I called the 16th regarding my credit card. The representative assured me that I would get it on the 17th. On the 17th I still didn't get the card. I called them on the 17th, they told me that I applied on the 10th and I should get it by the end of the week. It is now the 24 and I still don't have the card. I called them today, they told me yes, I was approved. They also told me I would get the card tomorrow. If I don't get the card tomorrow, I will call them. I will then tell them I am contacting the attorney general office. Worst card ever!!!! DON'T GET IT.
The reason I applied for Barclay credit card is to improve my score. I've been with them for 2 years this month, I thought I was doing what best for my score using a little of money and pay back in full till I found out today that they reported me for late payment to the credit bureau back on October 2013 for just one day late. I'm in the process of buying a house and this going to hit me badly. I've spoke to their unprofessional customer service who gave me the run around, then when I asked to speak with the manger she told me she'll transfer me to a different department and to another and another till I got to last one which is number 4. That lady told me "I have no idea why they transfer you here." I sent a message to them and still no response. Customers be aware, it's better off taking your business elsewhere.
I am so tired of getting 6-8 card applications in the mail every month! For me to delete them I have to call some number and give my ss#! Are you kidding! Maybe if you didn't bug people so much they might consider applying!
We had a US Airways credit card with Bank of America. US Airways partnership ended with BOA and started a new partnership with Barclays Bank. BIGGEST MISTAKE US AIRWAYS HAS EVER MADE!!!! When we get this straightened out you bet your bottom dollar I will be opening a new credit card. Anyhow instead of transferring all current charges over, BOA withdrew money from our bank account the same day that Barclay did, which was about 8,000 total. BOA then transferred the money to Barclay so now Barclay has all the money.
Guess what? They can't return any of it without my bank requesting it. BS! And to top it off, they gave us an attitude on the phone. BTW BOA isn't so innocent in all this as well as they screwed some stuff up. We have had a Barclay card for 2 weeks and this is not the first issue we had with them. FFFAAAIIILLL.
I tried to add an authorized user to my account to get more rewards (as this is part of the credit card deal anyway) and I was locked out of my account and I have been told to go to a local bank two times now to verify my identity and they still won't open my account because apparently whoever took the notes wrote down that I am the one that called instead of the bank. The worst credit card ever... absolutely hate their customer service!!! I am considering closing the credit card altogether. I can't even close the stupid account until it's unlocked. I have Bank of America credit and debit card and I have never experienced such a bad service. Wouldn't recommend Barclaycard to absolutely anyone.
If you are looking for a credit card company, DO NOT use this one!!! It is HORRIBLE! We have impeccable credit and they treated us HORRIBLY! They have a backwards way of handling their business. Every time we attempt use the card we get DENIED! Reason being, according to the company, If we use the card in one town and use it again in neighboring town, it looks suspicious and the card is immediately shut down!!
We call them on a constant basis to turn card back on. These are not large purchases. One purchase was for Advil -$7.99. My husband was left stranded at an airport trying to rent a car. They shut down card. Of course he called them to find out their new excuse and they said, "we have cancelled your cards because we have mailed your new cards out already." Our cards were due to expire in another month. And we haven't even received our new cards yet!! No warning what so ever! Just a shut off... Backwards!!
My college children have this card at school. They have a small limit on card. When I go online to make a payment, it is not immediate. It literally take a few days! No matter what time or day it is. Ridiculous!! We have now cancelled this card and have a REAL bank card. I would not recommend this card at all! And if you are to call this company and inquire about their card, do it when you have a ton of time because you will be on hold for a long time.
Wrong negative report to credit bureaus that caused credit rating damage to individual. The worst customer service ever. Damaged my credit score. Let the charges go $16 USD over the spending limit by adding the $25 interest on the day card was paid, waived the interest, so the balance went back under the limit, and then, the same day reported to credit bureaus card being over the limit! Now my credit history damaged over $16 charge by the card itself. Unacceptable way to conduct business.
My next step - close the account - report to Better Business Bureau, consumer affairs complaints, saturating social media with this story to make consumers aware of this unacceptable way Barclays conducting the business. BEWARE!
If I could give Barclays less than 1 star, I would. Over the past couple of months, I have been attempting to transfer funds from my UK-based Barclays account to a Canada-based account. I have just moved to Canada and due to immigration constraints will not be in a position to return to the UK for a number of months. I set up my Barclays account as I had been told they had a deal with my bank in Canada which would allow me to take money out of my Barclays account with reduced international fees.
However, upon moving my money from Bank of Scotland to Barclays online, I discovered that my online banking for Barclays was not accessible for reasons which were not explained to me by Barclays. This was in October. Furthermore, after several international phone calls, I was informed that I was not able to do telephone banking - despite previously being told I could make an international transfer in this manner - and was told that in order to do anything, I would have to write them a physical letter. I did this, detailing everything that had been asked for and more, and a few weeks later received a call from Barclays' complaints department offering me monetary compensation and assuring me that my funds would be transferred within 10 working days. This was late November/early December.
A few weeks later, I still had not received any of my funds. Shortly after New Years' Day, I called Barclays again and was informed by the complaints department that they had no idea why their request for a transfer had not been processed, and they would reopen the complaint and have someone call me back. Two weeks later, today, and no one has called me back, and so I took it upon myself to call them myself, upon which I discovered that Barclays had tried to send me a new pin, to my UK address, despite my request to have my address changed. I did not ask them to send me a pin, and because the letter was returned to the sender, they locked my card so that I cannot use it. Furthermore, that my initial pin was not what I originally set it to has not yet been explained to me either, and I can only assume my account has not been compromised.
Furthermore, they then informed me that because my signature on record did not match the one on the physical letter - despite the account creation and letter having been signed at different stages in my life - they could not change my address until I send verified confirmation of the new address, in the post. You would have thought these two things would have been told me that my account had been locked, or that the address had not been changed, but this is evidently not the case. What's more, I received a letter just under a week ago at my Canada address informing me that my complaint had been opened and they were dealing with it, which goes against their earlier message that my address in Canada could not be verified.
So as it stands, all I have achieved in three months of attempting to transfer my funds from Barclays is i) monetary compensation for troubles ii) supposedly compensation for the cost of my international phone calls iii) a card that I can now no longer used iv) a direct debit cancelled (today) that I asked to have cancelled in December v) extra costs in getting verification of my account from my Canadian bank and physically posting it to the UK, and no money to show for it, as the compensated money has been deposited into the account that I cannot access. Immediately upon my return to Britain and receipt of the entirety of my money, I will be cancelling my account; I would do it over the phone, but I don't trust them to ever actually do so.
Barclays took over my Juniper account at a time when my husband and I were reeling from his unemployment. We had attempted several times to negotiate a plan for repayment that we could afford. All our other credit accounts were fantastic and offered us either low interest or a period of no payments. Chase locked us in at low interest, and a fixed payment. We agreed to close the account and paid it successfully over three years to a zero balance. No such luck with Barclays, and not only did they not work with us, the "juniper assist site" would lock me out to pay so that I had big gaps in payments.
Their options for hardship were also a joke. Only when this time around the period got excessively long did they offer a low interest plan, but there is no easy way to automatically schedule additional payments. It seems that it is always a small patch/fix and only extends the repayment. I want all the late payments removed. It was their malicious operation of the site that prevented payments, and the inability to place recurring payments that caused this problem. It is our hope to have this account paid in 8 months, but want the derogatory removed as well.
Don't bother to try this Barclay thing. Bought an iPad mini through Apple store, thought it is a good idea to pay in a small monthly installments. Very wrong. I've signed up each month for 3 consecutive months for auto payments. And it still emails me a reminder to pay. And when I've paid, it doesn't says that I've paid. And there is not enough informations on the web account. Today, I've decided to pay it all to get rid of them before they get me. I think they are just trying to make you miss a payment or delay a payment so they can SUCK you more! So far, I don't think I've lose anything yet. Knock on woods! People! GET RID of BARCLAY!!!
I have two major complaints first. One, I originally signed up for the card to do financing through Apple. When Apple tech support and myself tried numerous times to sign up for financing the Barclay option would not added to the check out so the 10 day period expired. Barclay lost the initial card in the mail. Over 14 days later the original card never arrived to which a specialist admitted they somehow had the wrong address on the account and the card was lost, but they would overnight a new card free of charge.
I am seeing a fast card fee of $15 that I never agreed to, never was informed of and was told twice because Barclay was at fault that they would be sending a replacement free of charge in order to get it for Christmas. Since the 10 day option expired, I called Barclay a total of 4 times and spoke with two specialists, who informed me I had 30 days for the financing option and to drive to an Apple store and they would approve the purchase. I asked them if they were certain as the Apple store was a 2 hour drive one way for me. They assured me there would be no problems.
When I arrived at the Apple store, they would not sell the product, an iPad Mini 2. They denied knowing or ever doing anything with Barclay that would allow financing before the credit card arrived physically. While at the store we got on the phone for two 45 minute phone calls to Barclay in which Barclay insisted that the purchase was approved but could not provide and never provided either myself or Apple with a "barcode" for the store to scan. After spending 2 hours in the Apple store with the manager arguing with Barclay, Apple blamed Barclay for not knowing the proper procedures, and Barclay blamed Apple.
I had to drive 2 hours back home empty handed. Spending over $30 dollars in gas and travel expenses for no reason. Your company has given me nothing but headaches since signing up, caused me to have panic anxiety attack in a crowded mall. And now on top of all the aggravation this company has caused, they are going to charge ME for their mistakes. I am prepared to open up a case with the Better Business Bureau if this is not resolved in a timely manner. This is simply ridiculous and unacceptable. I work in customer service for a living, and if I treated my customers in this manner I would have been fired by now.
P.S. I recently spoke with customer service at Apple and reported to them my problems. They sympathized and reported they've been hearing more and more problems with Barclay and soon will be replacing/adding option to use Paypal and Paypal Bill Me Now financing instead.
I recently went online to pay a visa bill with Barclay's. On their web site the first bar was "pay your Barclay's visa online." I was charged 6.99 to pay this bill. I was unsure about this charge, so I called Barclay's. I was told there was no charge to pay my bill online. After questioning the rep. I realize this was a "third party." When I ask why this was the top bar on their web site, I received a circular explanation. I feel that consumers need to be aware of this deceptive(?) practice. However the broader question might be Barclay's placing this bar at the very top so that anyone would choose this option as the seemingly easiest.
Research and found the oh so wonderful Barclay Arrival + card! Offer stated that if you spend 3000 in the first month you will get 400000 points, 400$ in travel dollars, great deal right? WRONG! This offer is not real! You have to be approved for this, and nowhere obvious does it say that this is the case. I called to find out where my points were and the account manager said "oh this offer is based on approval, you were approved for the arrival card 20000 points only." Such a scam. P.S. I have perch credit score. What does it take to be approved?
I had gotten the card because of a low interest rate and because of flying privileges involved with the card. Zone 2 seating 1 bag free (Which I never used). Well within less than a year and I was never late EVER on my bills, the interest rate jumped to 25% and a $90.00 yearly fee that was added just because. You can only cancel the yearly fee on the same day and cancel your card totally. When you call their service department to complain, they can give two ** about you canceling. The guy said, "So you want to cancel?" I said, "yes", then he said, "no problem. I will cancel you." Most companies will say "I'm sorry to see you go. Let me see what I can do to help." NOPE not Barclay, they don't care. I will never ever get their cards and I will make sure my friends know of their tactics. Stay away from these guys if you don't want to get screwed. BUYERS BEWARE.....
I received an offer letter from Barclaycard with 0% introductory APR on purchases and balance transfers for the first 18 months after my account is opened -- after that, a variable APR, currently 14.99%. I applied for this offer online in June 2014, approved, and card mailed to me. First two statements, all was good. Third statement I was hit with a interest charge. I used the online message board to inquire about this charge. I was then asked to provide them with my offer letter for further review. During this process I received another statement and again hit with an interest charge. After sending in the offer letter I was notified by phone from a "manager" to discuss my account.
It was at this time I was told I did not have the 0% account as "offered " and that my account was "accepted by me" during my online application for a rate of 24.99%. I didn't even get the 14.99%. Needless to say, I went off on her. My credit score is in the high 700 range and I have never paid an interest rate on any credit card. She apologized and said there was nothing she could do. Really!? You have got to be kidding me. I was presented an offer and was totally duped with my online application (which I am still unclear how but that's what she was sticking to). I have since closed this account and will never do business with this company, ever!!
My elderly father had an account with this company. His balance was very low when he passed away. In my attempts to close his account, they have been ridiculous. Every other company was happy to have me pay the balance and immediately close the account. These people won't... they have some lengthy process that it has to go through. Painful and frustrating!
OK, well I opened a card with Barclays bank, BUT Barclays opened 2 accounts for me. I did not realize that for a month. I called and had them close the account I was not using. They said they did that. I sent in my first monthly payment on the first of the month over the internet to the bank. AS of the 10th of the month the payment has not shown up in the MY account. I checked with the bank and that deposit cleared the bank on the 6th of the month. I was trying to find out what happened. Then I came across something unusual on my internet page with Barclays. I noticed that on all my pages it showed the number of the card account that was closed. I clicked on a little button and a drop down showed the account that was suppose to be closed. IT HAD A NEGATIVE BALANCE, the same amount of my payment. I called and they said they would write up some forms and sent them in and it would take ten or fifteen days. SO I hung up and was thinking I should write to them. I got on their e-mail page and clicked on complaint/compliment email. I wrote them what I am writing right now. When I finished I sent the e-mail to them. GUESS WHAT!!! it would not send.
Now over the time I have dealing with the problem I have tried FOUR times to e-mail customer service and NONE of them could be sent to Barclays. I called and complained and they said they would look into it. Then I asked WHY the account number that I had CLOSED is showing up on their homepage and every page of my pages with them and my normal account was nowhere to be found on my homepage with them. I have to go to an extra part of the home page to get to my normal account. OH, I JUST FOUND THAT ACCOUNT AFTER 4 DAYS and many calls to them. Today when I called, the girl was a little huffy with me. I told her I was sending another small payment to see WHERE IT GOES!! ANY GUESSES? SO far NOTHING has happened. I am crossing my fingers and toes. SOMETHING HAPPENS IF I WAS A PERSON THINKING OF DOING BUSINESS WITH BARCLAYS. DON'T!!! I will check back when something happens.
I was recently married and while changing my last name, Barclays was the easiest, fastest card to do so with no hassle. I also appreciate they give me a monthly FICO score as I have been in the process of rebuilding my credit for the last 5 years. I appreciate the quick service and lack of red tape that I regularly have with Barclays. Can't say the same for my other Capital One cards.
In an attempt to catch up on my bills D/T job lost, I decided to apply to Barclay. My payments hardly decrease D/T $50.00 charge monthly to my account (principal amt I was told). OMG, what principal, I'M not buying a house...! Example, I made three $75.00 payment and was credit for $12.00!!!? Biggggg ripoff. Read the small print. Try public assistance because you will need it after Barclay finish with you! Can anything be done?!!! So unfair!
I closed one of my Barclays accounts on 7/15/14 due to non-use. 7/24/14, my insurance co refunded part of my premium in the amount of $664. Barclays accepted the credit of $664 to my account EVEN THOUGH THE ACCOUNT WAS CLOSED!!! The kicker was I had no idea this money was sitting there --- Barclays never send me a letter or any other notification of this credit balance. Only today, 10/7/14, 2 1/2 months later, did I find out the money was sitting there!!
Today, Barclays confirmed that no notification had been sent to me, but that "sometimes that happens." Really?? You can hold $664 that belongs to me without letting me know it's there. I'm sure if I owed Barclays $664 for 2 1/2 months, they'd be contacting me Immediately for payment! I told the Barclays rep that they should pay me Interest for Barclays having my $664 in their coffers for 2 1/2 months, but she said "We don't pay interest." Barclays would certainly charge me interest if I owed them $664 for 2 1/2 months.
I then asked her to please expedite the $664 to me via Fed Ex or 2-day Air as they've had my money for 2 1/2 months, to which she replied, "I'm sorry, 7-10 business days is the best we can do." Again, Barclays would never allow customers who owed them money to sent it that slowly! I cancelled my remaining card with Barclays and will Never do business with them again.
I am extremely disappointed with the service provided. I have been disconnected 3 times today, promised a call back from a manager and No issues resolved. Unfortunately, I will absolutely not be giving any of my loyalty or business to Barclays and will highly discourage anyone to.
I closed my account to avoid paying the "Annual Fee." At the time of closing the account I was assured that the fee would be reversed. A few weeks later, since the fee had not been reversed I called back and was assured again that it would be reversed. I have now paid the annual fee on an account that has been closed. It seems that the service representatives will lie in your face and tell you anything to get you off the line and not have to deal with your complaints. You're best off avoiding this bank.
I was forced to close my credit card account in 2009 due to employment crisis. I was told that there would be no finance charges if I paid the balance off every month but the card would be closed. I opted to do that (it was my debt from medical issues). I have been paying it without fail every month and the amount is not decreasing because they are charging me a $30 monthly interest charge. I have paid on this account for 5 years and cannot continue to do so. I am 62 yrs old and work as many hours as I can trying to keep my house afloat. I have called and been told by Juniper employee to "pay the amount in full & I can avoid interest". GENIUS!! If I could I would! HORRIBLE COMPANY.
Ever since I got this credit card it's been nothing but trouble. The company is trash, the employees are trash, the card is trash and so on. ALL of it is GARBAGE. They rob you blind and ruin your credit. I can't even tell you how much I've paid into this company. I had over 50% of my line paid then next thing you know they completely wipe it out and THEN SOME! Would not discuss the issue with me even though it's in MY name, would not fix the issue etc. So I paid it back in for my credit. THEN IT HAPPENED AGAIN! I'm tired of this GARBAGE. This should NOT happen to ANYONE.
I had an unauthorized charge which the company sent an email advising me of this charge which I replied that I did not authorize and also called them to have it removed. It was in the Amount of $4.95. I was told it would be removed. I then cancelled my account and the next month I rec'd a statement that I now owed $6.95. I called the company again and explained it was an unauthorized charge and one had an additional fee added. I was advised it would be cleared off within 7 to 10 days. I just received another statement showing I now owe $13.90 - an additional fee of $8.95 was added.
I have had a Barclay card for 4 years or so. Since March of this year, I noticed $3200.00 of fraudulent activity, all from Amazon.com. Even on the dot a total of $3200.00 - did this company help me dispute it? Nope, it took me up until July 1 about to get every single dime credited to my account - with traumatic brain injury and being disabled which led me to the ER 4 times - by calling 500 times to Amazon and talking to the correct people in a million departments. So July 24, I noticed all $3200.00 worth of charges were back on my account in which Amazon credited me not Barclay.
So I called and that's when I found out I was a victim of identity theft because they disclosed to ME that they already spoke with me earlier and forced closed my account. I said, "Excuse me?" Anyways a police report and hundreds of calls and letters later, the card now has triple the balance and triple the amount it should have on it and they had the audacity to ask me if I had a claim number. Really? From March? So the charges are still there. They needed to REOPEN this case. Yeah, OK and they are asking me for 6 times the minimum payment they typically asked for. And the account is being subpoenaed for the info on the thief because they left a phone number but didn't know my mom's maiden name or last four of social. Really? And they want me to pay what now? Not happening.
My credit is destroyed from them. There is a freeze on my reports and every account I have ever had has been changed. They can pay me now for the scum bags that stole from their own company or Amazon's. Thanks. So I am on a fixed income with a credit card company that literally put me in the hospital due to the stress they had put on my injury and they hung up on me TWICE. Getting an attorney involved. I've had enough of these people taking advantage of sounds like everyone on here! They can do what they want to me. I have everything accounted for and know what I owe. Now it's time to figure out if they know what I owe. Otherwise I am not explaining it again. I'm done.
Just out to mess with the economy in this manner. Many companies would have been shut down and have their business privileges suspended indefinitely. Here's a NIGHTMARE I'm currently going through. With years of being a victim of credit fraud, I have repaired my credit and finally I got a break by Apple since I'm in college, to purchase a new laptop for class. It was surprising to see that, and building my credit, well that's a double score. Barclay restricted my account for no reason without my knowledge. Later to hear that a request for additional identity after the purchase of my Apple product using their Barclay Credit Card with $750.00 Credit Limit. It was surprising to hear such a request after submitting all details prior to approval. In any event, they didn't want to provide me with actual address because they stated I didn't need to know where their office is located. HUH??? This company is a joke, and should not be in business.
I contacted Barclays about charging me for the same bill twice. I followed my spending log which they provided and paid according to it. I was told to look at my statement of which I noticed my payments were not recorded properly and now they've put the same balance on this month bill that was paid in full on the 15th of July. They posted this balance on my credit report as owed when it has been paid in full. I told them to close the card to prevent anymore of these recurring problems. Now I have to take the necessary actions to get this corrected on my credit report.
I have been disputing a charge on my Hawaiian Air Barclay Credit Card for over 90 days. My initial phone call to Barclay was April 28, 2014. Today is August 2, 2014 and I have not been successful in resolving this dispute. I went so far as to get the actual merchant on the line (which happens to be Medicare) with them and the merchant confirmed that the charge was erroneous. I have done this more than once, by the way. Barclay's incompetent and useless agents do nothing, absolutely nothing. They do not escalate the call no matter how many times I have asked. They do not return a phone call, and they have done nothing toward a resolution of this matter. I am a Banker of 35 years and I have handled countless charge disputes both for myself and my customers. I have never experienced anything like this in terms of resolving a dispute. To be exact, I have waited 95 days to have this charge removed and as of July 31, 2014, nothing has been done. The last agent I talked to two days ago assured me that I would be receiving a return phone call the following day. I have not - what a surprise!
Tried to pay my bill via my phone for the full amount and their computer deducted the full amount twice, causing EVERYTHING ELSE TO BOUNCE!!! Immediately called them and my bank and was able to stop the $75 per bounced check fees which would have been about $750! They claimed that I had either double tapped the mouse or that I had setup an auto-pay and then paid again. Instead of arguing, I focused on getting the problem sorted out! The next month I went to pay again, this time online with a computer, not my phone, and made sure to only click once and thought all was well.
Next day, I see that the exact same problem occurred! Of course I had to work it out with the bank and got them on the phone, but they advised it would take 4-6 weeks before they would refund the money! There went my vacation plans! So, waited the 4-6 weeks... of course NO CHECK, but did see they had reversed the payment finally. So I called thinking that the checks were still coming as some sort of compensation for the trouble... LOL! All they offered was 5,000 extra mileage points to add to my 1200 which still meant I didn't even have enough to get luggage much less a vacation that their snafu cost me! While pleasant, they were not helpful in compensating me in the least! Closed my account... good riddance!
I had a Barclays credit card account for 3 years. Never late a payment once. $1800 credit limit and WITHOUT NOTICE they closed my account. I had paid off my account balance before it was closed (zero balance). They closed it due to my credit score dropping. I'd stay far away and just know that they are not loyal one iota to you as a customer. I could care less about having the credit but thought it was just a sleazy move to do this (and doing it without telling me) and want others to know what rotten scum of the earth they are.
I inquired about process of an application and was asked if I would like to go ahead submit a formal application. I inquired about their process for me to apply for added credit... I said NO when I was asked if I would like to submit a formal credit application & they went ahead without my permission and did one. I am a customer of seven years with a high rating by Juniper card services. Last year they offered me a 1200.00 credit increase on my account & I said no at that time. After several phone calls of seeking resolution & patiently waiting for that... they told me to send a letter to them about my complaint. Am very angry with them. This is another catastrophe for me. I am currently working with Georgia Legal Aid on old credit accounts due to a major family crisis of health. I opted out of credit applications a few years ago. My name is Linda **, can be reached at **. Again, very angry they did this when I said NO.
I had one minor issue for which I repeatedly attempted to use their online message center. Generally this is the route companies would prefer that you take and it is most convenient for me as well. Whoever is responding to my messages is either ignorant or awful at their job. Each time I receive a canned response that makes no attempt to address what I am asking and only reminds me of my credit card terms, which I am able to read and do not need repeated to me. I understand my terms. I am asking a question about a concern I have. They truly do not understand how to operate an online message center or offer their customers any personalized service whatsoever.
I have two accounts that are not under my social. I recently disputed. And was told by Experian it is my account. First it was twenty dollars a month. When they cancel the cards, they went up on payments - not legal. I still make payments because my daughter use the cards. But each month a payment has been received and now you report I am 60 days past due. Illegal. I do credit repair for a living. You have rights under the FCRA. Get your facts in order Barclay card. Stay away from this company.
I called yesterday to set up a payment plan. They said if I pay a certain amount it would give us a good bit of available credit so we wouldn't be in the hole, so I paid it then checked our account today. The credit is 240.00 under what they said. I called, talk to the supervisor and he said they could pull our credit again and "maybe" increase our credit limit. I said no because this was his company's mistake and I am not letting them touch our credit again. I said I would contact BBB and he said no disrespect but they wouldn't do anything either. So after 45 minutes on the phone, we narrowed it down to they lied to get the best payment instead of doing like I ask for a payment plan. They are crooks!!!
This Barclay's card has been an unmitigated disaster. I was overseas when my bank switched from a Visa card to the Barclay's Master Card and they have been completely unmanageable. They seem unable to cope with a card holder being overseas. My last card was voided on the day of the switch, and I have been overseas now for 23 days with no credit card at all. At this point, I don't know if I'll ever get a valid Barclay's card out here. They may have great rewards but heaven help you if you are overseas and need assistance - card lost, stolen, etc. As far as I have experienced, they are completely inept at handling situations like this.
My job closed down 2008. I paid these people while sending paperwork for credit insurance I purchased from them. This was in case of job loss no fault of mine. Several people told me it was covered up to a specific amount which was higher than my balance; once my money ran out I wanted it to start. I actually believed it did. Called several times and told if anything else needed would contact me. I wasn't eligible for unemployment for a year. So I qualified to use the insurance I paid for. Now after moving 800 miles to get a job after 5 years I get a garnishment notice in the mail. My bill should have been paid. Was under 1000 now over 20000. They have not sent me a letter nor had anyone sign stating I had court. They do not honor the insurance. I had a claim and it should have been honored. My number never changed (cell). No messages from them ever. I know I’m not alone in this. Very upset.
I opened an account with Barclay three months ago. In those three months, I paid my bill in full and early every month. I was recently notified by my credit monitoring service that my score had dropped 30 points due to my Barclay account. When I called to find out what was going on, it was like talking to a machine. I was told if they had reported faulty info I would have to contact the credit bureau. So I asked what exactly it was they reported and was again told I had to contact the credit bureau with no discussion or acknowledgement and certainly no apology. I will not only be contacting the credit bureau but the BBB as well. I would not recommend this company to anyone - be warned...
WORST card. They encourage you to maintain a balance because if you pay off your card, they automatically LOWER your credit limit so your utilization stays at 90% or above! Took me 7 years to raise limit from $500 to $3000. Once in 2009 I paid 50% of balance and they immediately lowered my credit limit to match my current balance owed. I thought it was something I did wrong. Then in 2014, I accidentally paid the balance in almost full ($2800 on $3000)... and the next morning they reduced my credit limit to $500. Thanks Barclays! My credit score went down 75 points because of their little trick!
That is how they reward their card members for a good payment history. I've never been late, and always pay more than minimum. They WRECK your credit score because paying a balance in full is good when you have a high limit - it shows low utilization. But when they lower your credit limit, that keeps your utilization ultra-high which KILLS your credit score!!!! Be warned. Do NOT get this card and if they offer to raise you limit if you have one, DO NOT use the credit!!!! They've done this to me twice and I've spoken with their credit review department each time and they are rude and will not budge.
They say it's an "industry standard" but I've talked with 5 other credit card companies and none of them do this. Once you earn a credit limit, you generally get to keep it until you really mess it up (and not by paying the balance off!). Capital One rep couldn't believe Barclays did this when I told her about it. It should be illegal for European-owned companies to give credit cards to US citizens.
This is the WORST credit card I have EVER owned! We got this for our business account. The problem is their customer service is the worst ever. The online payment is a joke! You will try to login, it will send you to your security questions that you set up, only to tell you that your answers YOU chose are wrong. Then it will lock you out. I then choose the option for password recovery, type in their temp. password they sent to my email then it to tells me that's the wrong temp password, then locks me out again! I try calling the 800 number to pay by phone. It asks me to enter my card number. Then security code on the back. Well, then it tells me my security code is incorrect. How can that be when that's what they sent me?
I tried talking to a rep. She asks me for my middle initial, I give it to her and she tells me that's not it. I said, "I'm pretty sure I know my middle name". I look on my card and it is a complete different name that has nothing to do with my name at all. They need some training on data entry! Every month it is the same thing. No matter how many times I reset my password it tells me I am wrong and locks me out. They make it VERY difficult to make payments online or by phone. It is near impossible... Worst experience ever! I will never deal with this company again. They care nothing about fixing the problems.
I had trouble contacted a company I was doing business with. When I failed to get in touch with that company, I called my credit card company. I told them the whole story about why I wanted to dispute a charge made to my credit card. They asked me the same questions over & over, which did get me frustrated. I was transferred to the dispute dept. Told them the story & was given a dispute number. I was then ask to send a letter why I disputing the charge & a copy of the email I sent to the company I was disputing with.
When I had everything they ask for I faxed it to the dispute dept with the number they gave me. They said it would take 30 to 45 days to hear anything. Not even a week later, I received a letter from the dispute dept stating that, they couldn't help me. That particular company had a no return policy & they were removing my case from dispute. Which meant that company will get to keep my money, even though I no longer had the product bc I did send it back. I have the tracking number to prove it. So I feel like it was a total waste of my time to sit down a tell the whole story on paper & fax it.
I have since turned off my card. The product I purchased made me sick & the company must be a scam of some sort. I couldn't believe the credit card dispute dept wouldn't stand up for the customer better than that. So as of this day, I'm out the product & the money I used to purchase the product. The product was no good. I thought when a customer didn't receive a satisfactory product & had issues with a company. The credit card company dispute dept was supposed to stand up for the customer. What happened to the customer is always right? With this company the consumer is always right, not the customer.
I have excellent credit, always paid on time then Barclay drops my credit limit in half from 3000 to 2100 for making payments on time. I called to complain. They were very rude, snotty and will never deal with these ** again. THEY TREAT THEIR CUSTOMERS LIKE **! I have 7 other cards and never had a problem. BUYERS BEWARE!
I dealt with a merchant on a transaction. They legitimately charged my card over $10K. When they illegally charged me more, I tried various times to dispute it with Barclays. They wanted me to prove a fraudulent charge which someone would have no proof and did not require the merchant to prove that it was a valid charge. American Express has never treated me like this and puts the owners of proof on the merchant instead of the consumer. DO NOT USE ANYTHING BUT AMERICAN EXPRESS IF YOU WANT TO BE PROTECTED. What is worse, the Barclay's reps did not have this in their script and could only apologize for something they did not even understand.
Open an account with Barclay. Several issues with them: All was fine until I disputed a charge to my account. Barclay responded and I filled out all required information and they responded again stating all was okay and refunded was permanent. Over 90 days later they tried to collect the same debt again from me. On a second and third experience. I used my card to purchase from a merchant. Later, I requested a refund from merchant and merchant refunded my account. Barclay, stated to me that even with a refund from the merchant I still had to pay the statement balance regardless if the merchant has credited my account otherwise Barclay would charge me interest from that statement balance even though it was no longer a accurate balance (They gave me the crazy excuse that their software was unable to calculate the credit to my account!). It also appears that they delay merchant credits so you have to pay the entire statement balance or otherwise you end up paying interest charge even though your balance has changed to reflect what you actually owe, which then you end up having a credit that they will not return to you. They say they will keep the overpayment and deduct from it any future debt.
I use my credit cards and pay balance the next statement, my Barclay credit card was cancelled for having a 0 balance and they ran 3 credit reports on me in one month I wasn't aware of which subtracted from my credit score - DON'T WASTE YOUR TIME WITH THIS COMPANY, THEY WILL CANCEL YOUR FOR PAYING YOUR BILL AND HAVING GOOD CREDIT.
I got approved for a card thru the Apple store for a 0% interest purchase. I purchased a computer, paid the full balance with no interest added. Yesterday, Feb 14th, 2014, Barclay sent me a letter closing my card due to no activity. I haven't used the card since I paid it in full so THEY decided to close it. I have a few credit cards that I haven't used in years, and they were never closed. I wouldn't recommend Barclay credit cards!
My nightmare began when I bought an ATV online in Oct. 2013. The quality of the ATV was a total disaster. The brakes don't work; the chain falls off; missing nuts and bolts... etc. My odometer (if it had one) was 10 yards! I contacted the seller and they simply won't do anything. To make a long story short, I finally went out of options with the seller so I decided to call Barclay to charge back on the merchant. It has been more than two months and it still has not yet got resolved. Every time I called, they transfer the call to India and I have to repeat the whole story again. So far, I have told them the whole story 5 times. Finally, they sent me a list of questions to answer so they can file the claim to the merchant's bank.
These are the road blocks they set to prevent the consumer to file for claims. I am a persistent person so I managed to answer all the dumb questions and get all the paper works they need except one.... They asked me to take the ATV to another merchant and ask them to write an opinion letter on their company letter head and sign for it!!!! So, which ATV dealer in America would want to get themselves legally involved by doing this for me for no reason? This is about as ridiculous as it gets so I picked up the phone and called India again.
Guess what, the customer service agent started to read the script on the screen and asked me to repeat the whole story one more time... I am just getting nowhere with these people. So, for those who reading this, do yourself a favor. If you have to use this card, use it in McDonald or some place that you will never have to ask for refund or deal with disputes. Otherwise, you will be like me... barking at a dead tree...
Supposedly I opened a Juniper MasterCard through Barclays Bank in 2007. I don't remember a Juniper card and have paid all my accounts except this one. I called Barclays bank at 302-622-8990 and it asks for my social security number and zip code and then says the number is no good. I finally got in touch with Anna and she said the account was turned over to a third party, Nationwide, and gave me 1-877-377-6493 and 1st Source Advantage answers the phone and they don't have an account with my social security number. I have called several Nationwide collections and they don't have my account or are out of business. How do I get this negative account removed from my credit bureaus.
Opened a card without my permission. Ran a credit check... Took me an hour to find someone to talk to. She was unable to help me but assured me that my concerns would be forwarded to their investigation unit. Super sketchy company. I see they have a terrible reputation. IRATE that they ran a credit check without my permission!
I applied for a Barclays Credit card online and was accepted to their MasterCard rewards program. I received my card on Nov. 25th and activated it at 2:00pm EST. Went out that evening and took an old friend to dinner. My newly activated card was denied and I had to have my friend pay for our meal. I was mortified. Luckily she had her hand bag with her. I am a 63-yr-old widow, disabled, with a tidy income. I pay my bills on time. When I returned home I called and was told that on Nov 19, 2013, someone called their office and reported my info as fraudulent. No one even knew I had applied. I live alone and am the only one on my computer.
I spoke to security and was told that once a card is closed that it cannot be reactivated. He could not tell me who called, or from where, or why. He stated that there should have been a call # listed and there was not. He told me to re-apply which I did. I received a message that I had already applied and that I could not apply again for 30 days. Is this the way this company works??? I am not even sure if this info will wind up on my credit reports. I am furious but have nowhere to complain to but here and the BBB and they are my next stop. Please, be aware of these shady dealings before filling out an app online. Good luck!
Let me begin by stating that I am a full time college student who purchased an Apple computer and in the process I applied for the Barclaycard Financing Visa Card. I started to make my payments on time. Then I was late for one payment and the next day their collections department was calling EVERY HOUR ON THE HOUR (if you do not believe me just google these numbers 1-866-456-0677 or 866-456-0684 or 302-255-8000). When I fell behind on my account I voluntarily told them that I had lost hours at work. In which I was actually telling the truth about. Yet they kept calling me everyday on the hour. No one asked if I could provide proof of the change in my income. No one was willing to work with me. It was funny how they mention that they are here for you but when you tell them what's going on no one is there.
On November 12 they closed my account and on November 15 proceeded to call me and ask me for money. The representative did not inform me that my account was closed. Thus not knowing that my account was closed I had made online payment arrangement. She did not tell me that my account was closed, now did she ask me what was going on that I had fell behind. I did not know that my account was closed until I received a letter in the mail the next week. My account online nor does my statement does not show that it is closed which is very misleading. This company was not helpful for me at all so if they can do it to me than they will do it to you. BEWARE....
I financed my Apple computer last October on the 12 months no interest plan which meant opening an account with Barclay's. Not a problem. I had my bank send more than the minimum payment at the same time every month and my bank never made any mistakes. Then I had the money to pay off the account in full before the promotion ending, thus I would not pay any interest to buy my computer. So I set up a one time payment from my bank to Barclay's to pay off the account. Unfortunately a computer glitch happened and they accidentally got paid twice in two days. My bank told me to call Barclay's and ask for a refund check. I called and the first person said no problem we will put your money back in electronically in 3-5 days. NOT! She was a very misinformed employee.
I then called Barclay's again and was told she had made a mistake. In order to assess this they actually listened to the conversation I had with her on tape. It was their fault not mine. So they said they would issue a refund check, but that they only cut refund checks on Tuesdays. Then it takes another 5 business days to process (Why? The check is cut. Who works in the mailing room?). Then I was told after that it would take another 7-10 business days to arrive. I did not receive my check by the 10th business day. I was then told very rudely that they had followed all federal guidelines in the issuing of the refund and that they were not responsible for the US postal service. They also said they refused to send any checks to anyone in an expedited fashion or to sign for delivery, even though the check was for over 1000.00. They would only use "regular" mail.
It has now been 1 month since my original phone call to get my double payment back and I still do not have my money. I was told they could stop pay the check, but then that will make the whole process start all over again and it will take at least 3 weeks to get it in the mail, and they are not responsible for the US postal service. They refused to do anything else to get my money back to me. I have been out the over a 1000.00 for a month, and now stand to be without it another month, if I ever get the check???? The customer service people constantly give out misinformation and treat you very rudely and do not care that you need the money to pay your bills etc. They are also earning interest on my money everyday that check is not cashed. I will never deal with Barclay's again. If Apple keeps them for their financing, I probably will not be buying another Apple product either, as much as I like them.
My wife and I are going to England and to keep from incurring the fees on regular cards, we applied for and were accepted for a Barclays Arrival Card which doesn't have those costs. When we applied we told the agent our departure date and he assured us if accepted we would have our cards well before our departure time. Acceptance date Sept. 5th, called them on the 10th. They said cards mailed on the 9th, didn't explain why the 4-day delay and I still wasn't worried because even the USPS could get them to us before our flight. On Sat., the 14th, no cards, starting to get worried so I called Barclays again. This time they told me the cards had not been mailed yet and when I questioned why I was told they had been mailed on the 9th, he told me they had. When I asked about the confusion about the mailing there was some vague explanation then he told me he would express mail me one card (said they couldn't do both cards????). This was a Saturday so the card could not be expressed until Monday. I told him the card would not reach me in time for my flight and his answer was basically "tough **," my words not his.
Everyone I spoke to was told of the time constraints so I do not understand why it takes 12 days or more to get a card from Philadelphia to Newark, DE. Either I have been lied to or none of the people I spoke with know their jobs or just don't care about the people that pay their salaries (the customer). I have another account with Barclays which I have had for a few years and thanks to the uncaring way I have been treated with this card, both accounts will be cancelled. I already have a Capital One Quicksilver card on the way.
Since mid-August my account had a small negative balance. But instead of refund, my bank account (automatic payment) was charged for $20. I spent more than an hour on the phone and could not reach live person. Going to file a complaint with BBB.
I set up an automatic payment one year ago and I thought I would be worry free until I was charged a late fee this month. I called customer service. The answer is that my bank should have known when and how much the payment should be sent to Barclay every month even though Barclay may not have sent information to Bank! Please explain to me what the hell is going on with this explanation from the representative.
I have been a card holder with Juniper since 2005 and never had a late payment. I sent a check to payoff the account which was around $4000. This was delivered to their PO box on 7-12-13 according to my delivery confirmation by the post office. My payment due date was 7-16-13 so I logged in to my account to make sure it had posted, and it had not. I sent them an email asking them why this had not posted yet since they received it on the 12th. I was sent back an automated reply saying it could take 7-10 days to post. I logged into my account on the 17th and had a $25 late fee and interest added to my account. I contacted my bank and the check had been cashed and had cleared. I contacted customer help and explained that they had cashed the check but that it had not posted to my account. The help I received was terrible! She actually ask me to cancel the check and submit a payment online! I told her, "No, you have already cashed the check so post it to my account." I was ask by a manager to fax a copy of the check, so I did.
I faxed front and back so they could see they had stamped the back which clearly showed Barclays. I have since made numerous phone calls and spoke to many different people trying to resolve this issue and have got no where. I spoke to a manager today and she told me they are investigating to where the funds are and that they could not post this to my account until they found it. I explained to her that they have received the check and that it wasn't my fault they can't find the funds and that I want my account credited. She advised me that they could not do that until it was found. So now it has been 13 days since they received my check and still have not posted to my account. I am very concerned this could show up on my credit report. I shared this concern with the manager and she told me she didn't see where it had been reported yet.... So that tells me it could happen, and this is 100% their fault and it is very difficult to dispute and get things removed from your credit report. This is the worst experience I have ever had with a financial institute! I have an appointment today to go see my attorney.
Want to open an account with Barclays? Go right ahead and be my guest, but just make sure you pay your monthly bills on time. Because if you are overdue even by a SINGLE day, get ready. Get ready for multiple daily phone calls reminding you that you're late. Get ready for multiple daily emails with cutesy subject lines like "Did you forget to do something this week?" or "Is something the matter? Why so sad?" And get ready for a not-so-friendly reminder by a collection agency because I guarantee they'll pay you a visit if you hesitate for more than 3 or 4 days past deadline. Personally, I haven't gotten this far yet. I rarely ever owe more than $100 on my Barclays card because their obscenely irritating correspondence always forces me to pay within a day or two... just to make them go away. Hopefully, this will be permanent, as I will be closing down my account with them very soon. If anyone from Barclays is reading this, hear me out: We are adults. The vast majority of us don't need the constant reminders and hand holding.
I got a notice saying that Juniper was switching to Barclay and nothing on my online account would change. Well, I tried to log in to make my online payment and it went straight to my security questions. I answered all correctly but said they were not correct and they locked my account. I called and talked to 2 different people, got nowhere and finally asked for a manager. I was told they were not available and someone would call me back. This has been going on for over a week and they are charging us outrageous fees everyday; not to mention I pay faithfully and early each month more than the minimum due every month, still the balance keeps going up. I am not even using this card as we want to pay it off and close the account. I don't know what else to do. I don't have this problem with any of my other credit cards...
I applied to Barclay's US Airways MasterCard responding to pre-approved application mailed to me. The offer was for 40,000 miles after the first time I used my new card (and the subsequent bill was paid) and 10,000 additional bonus miles if I transferred another balance. I was offered the letter from Lisa **, Barclaycard and Fernand **, US Airways, read three easy ways to sign-up: online, calling an 800 number and completing and mailing the application. I chose to apply online. Fast forward three months and I noticed that my airline account was only credited 30,000 miles. Turns out when you apply online and not by mailing in the application, you do not receive the full 40,000 miles but the lower amount. They got me. How proud they must be.
Grave Account Mismanagement - Today, after eight years as a customer, I closed my Apple Credit Card account with Juniper/Barclaycard. I can say with confidence that I never wish to do business with that bank ever again.
Of the many things that happened, four instances stand out in my memory. Following the economic downturn and the banking crisis in 2008, Barclaycard raised the APR on this credit card arbitrarily and, for the most part, silently. As many credit card customers will confirm, this problem is always exacerbated when you miss a payment by one or two days. Barclaycard charged a handsome late fee and raised the APR. Although they usually received my payment immediately, I had to call each time to have the late fee reversed. I find this kind of "punishment" of customers in excellent standing ridiculous and counterproductive. It may well be that, if I am able to pay my bill, after their punishments, I may no longer be able to do that. But banks do think about their profits, not about what is the reasonable and customer-oriented course of action.
When I asked for an account review and for a lowering of the extortion-level APR (at one point 19.99 %, I believe) after a few statements, a shrugging of their shoulders was the answer. Of course, the next possible review was always 6 months away.
A next incident was a conversation with a customer representative when a statement and a payment crossed over, and I was owing less than the minimum payment. Barclaycard insisted on the minimum payment even though it would result in a positive balance - on a credit card! To remain "in good standing”, I had to make the payment and then request the positive balance as a refund check!
Third, I had signed up for email notifications for a long time. The only thing I ever received were messages a day after the due date of my payment with the subject line "Did you forget something?" When I called and indicated that it would be nice to receive this payment before the due date, as a reminder, they lied to me and claimed my spam filter filtered out their reminder. But I added their email address to my address book; even after that, I never received a reminder from Barclaycard. This bank seems to instruct their employees to tell untruths in the service of making profit.
Last November, I paid the statement balance in full. I had a documented "0" balance. On the next statement, they charged me a "minimum payment" of $2 on a balance of 0 dollars. Because I knew I owed nothing, I never checked the account online during a four-month stay abroad from December '12 to March '13. Coming back, I had statements from the Apple Credit Card where a handsome sum of money had accrued due to late fees. This was the last straw for me. Barclays Bank tries to make money relying on the fact that customers won't notice their fraudulent practices.
I closed my account today. I would recommend to everyone with an Apple Credit Card/Juniper/Barclaycard account to do the same. I want to state in closing that this has nothing to do with me, with the decency, the innovativeness, and the excellence in customer service of Apple Inc. This is solely the responsibility of Barclays U.S. I hope that Apple will drop Barclays as a service provider for their credit card (if they have not done so already).
The woman's story about Barclays' hostility against her disabled husband makes me believe that Barclays harms persons with disability in more than one situation. Barclays fired me, a vice president, when I was on a disability leave which was described by Judge Pauley of United States District Court as a wrongful termination. People with disability must be very careful with their Barclays interactions.
I had a credit card with Barclays Bank in 2007 and 2008. My husband had 7 heart attacks and bypass surgery and we almost lost everything. I have settled all my debts for 20% except Barclays Bank. I have called numerous times and sent a letter to their home office. What is wrong with them? Some money is better than no money?
Barclay’s UPromise sucks. I just got a call from my daughter who is away in college. She’s had a UPromise card for years which is tied to us as we still support her. Tonight, after having the Barclays card for six months, she had her $130 purchase declined at the local grocery store. Mind you, she has been grocery shopping steadily since having the card. In fact, she shopped at the very same grocery last month with no issue. I called the 866 # and got hold of some automation in the Philippines who wanted me to know it was because our daughter lives in a different state than where we (the primary cardholders) live.
I could understand if she had just moved there or she had just gotten the card. Barclays took over the UPromise card six months ago, and she has used it over a hundred times over the past six months. I plan to cancel this card and get one that has a fraud system worth its while. I pay my card in full each month. Maybe this is how they get rid of folks they don’t make interest on. What idiots.
When Upromise moved from Bank of America to Barclays, we were given notice that new credit cards would arrive in the fall. This happened to coincide with us moving from Nebraska to Illinois. I called the day of our closing and gave the company my new address. I was assured on the phone that we would soon get our new cards at our new address. Meanwhile, they didn't really change my address and sent the cards to the old address which then got forwarded to us eventually. I called over and over again to find out where they were. I wanted to set up automatic payments for gym membership and a newspaper subscription, but I was waiting for these new cards. We were told we would have either a new number or new expiration date. It took over a month to get them.
They charged us a late fee on the date before our payment was due. On the bill, it clearly listed a due date and our payment went through on that date. But we were charged a late fee the day before the payment was due. My credit card was denied at a store and I was embarrassed. It happened because I set up an online account to buy sports memorabilia from an auction website. Barclays thought that was strange and then put a hold on my card without contacting me.
We were at a gift shop in Phoenix, and the cashier couldn't get our card to work, so he swiped it over and over again. Finally, I offered to pay cash. Now, Barclays won't refund any of the charges. They are obviously a mistake. The same exact charge several times on the same day within minutes of each other! I told them they need to prove I authorized it with my signature. They say I need to show them a receipt that I paid cash. I then asked to at least remove the duplicate charges and they won't. Overall, their customer service is the worst I have ever experienced! I have been a Upromise account holder for over 10 years and have never made a late payment. They have lost my business today, and I am not stopping at this website.
My Bank of America Upromise MasterCard was bought over by Barclays Bank and they have turned my life into a nightmare with calls to pay up my account. I got laid off work in February 2012 with no unemployment benefits and was trying to get another employment. I recently got a part time job and I called them to let them know I can only afford to make the nearest minimum payment to which they agreed to sign me up for their hardship program. They asked for when I could comfortably make payments to which I replied every 15th of every month and they agreed.
They took out the first installment on the 15th as agreed but since then have been bombarding me with calls to make another payment before the 3rd of February because that is my due date. Even before this time, they were taking out money from the credit balance left on the card until they exhausted it. I get home to meet 4-5 calls from them asking me to make payments after we have agreed on a date when I will be making payments on the account (at least for a year) until my situation improves. I am tired of these calls and need help with how to report them and get my peace of mind.
Several years ago, I got a Juniper credit card. I don't recall the circumstances, but what I do recall vividly is that after Mr. Bush's financial meltdown and through no fault of my own, my interest rate was raised to almost 25%. I simply paid the statement when it came in electronically and frankly didn't bother to attempt to get a lower interest rate until a few months ago. It was almost paid off then anyway. However, they never answered my request - not a yes nor a no, nor a drop dead. So last month, it was down low enough for me to pay off the whole thing. I did that as soon as the statement arrived. Since I had not put anything on that card for more than three years, my paying the total balance due so quickly should have put an end to it, wouldn't you think?
Then just to be sure everything was fine before I cancelled the account, I checked the balance. Sure enough, they wanted two dollars. Two dollars. Probably representing the 45 minutes of interest due between my receiving the statement I paid and the bank transferring the funds, if it took that long. I wrote them to cancel my account. I paid the two dollars and said if they try that nonsense again, I'd make sure their perfidy is all over the internet. I really expected to have to natter at them about closing it, considering that they never answered my previous messages. But lo and behold, within five hours, they had cancelled it.
They were a bit nasty in their note. Considering I had been very nasty in my demand that they close my account, it was not surprising. However, most organizations would do something to keep one's business. They did probably at that point realize I would never buy anything with their card again though since I hadn't in years. So one must wonder, is it ethical for me to tell this tale since they did comply with my demand to close the account? Yes, it is. There is not one thing any US consumer could do in bringing to light the usurious practices and unconscionable service of US financial institutions that would not be ethical. They made this bed and it is my belief that they must now lie in it. Indeed, if I can ever do anything else to expose the scurrilous behavior of Juniper/Barclay, consider it done.
I was flying home from California on US Airways when a flight attendant announced we could receive 30,000 flight miles by applying for a credit card. With minutes left to spare, I quickly obtained an application and applied for a credit card. Mind you, I have 6 credit cards with no balance owing because I don't like owing anyone anything. I quickly applied and handed the application to the flight attendant.
Few weeks later, I received a credit card in the mail showing that Barclay Bank was the account holder. No big deal, I don't know this bank and besides, I had no intention of using the card. About a month later, I kept receiving phone calls from a number I didn't recognize. I called the number and all it said was please enter my last of social. Not knowing who they were, I refused to do so, thinking it might be a scam. The calls continued. Finally, out of frustration, I called and took a chance giving my last four social. I was informed that I owed $89 fee for this credit card and that now I am late, so a late fee of $20 was added and a $2 fee for some stupid reason. I argued that I had no idea I had to pay a fee. If I knew that I was to pay a fee, I never would have applied for the darn card!
Days went by and phone calls piled up. Frustrated, I decided to pay the stupid fee to end this madness, thinking that it would pay for itself in airline miles. When the miles weren't applied, I called in frustration asking where the miles were. They told me I had to buy something, any amount, to get the mileage. So, I purchased something with the intent of paying it off and moving on. Well, I cannot pay it off yet because it’s not posted on the website! Frustrated, I called and asked how to pay this darn thing off. I was advised to wait a while. Even more frustrated, I decided to call the bank and complaint and asked them to just keep their mileage and close my account!
When speaking to a customer service manager, she informed me that I wasn't going to receive the mileage anyway, because my account was not in good standing because I didn't pay the credit card fee in time! I couldn't believe my ears! More frustrating was finding out the operation was in the Philippines and they had no authority to do anything. This bank is a fraud! They not only caused me pain and agony but they have just "black-listed" US Airways for me! I won't fly with an airline that would be willing to throw their customer to a pack of thieves! Grrr! What person in their right mind, who has unused credit cards as much as $20,000, would want a stupid card which they have to pay for?! Never again will I take the bait on the airlines! Frustrated as heck and plan to spread the word to my thousands of friends, family, and network!
Barclay's unilaterally cancelled my automatic monthly credit card payment setup without authorization or notification. Then they let my account go two months before contacting me. Then they charged me interest and fees. I have had this account for ten years, and for ten years I have been on automatic payment. What a sneaky way to generate fees and interest. Then I called customer (dis-)service and spoke to a supervisor who kept saying how sorry he was - but wouldn't do anything to fix the problem. Did you know that unlike other banks, Barclays' customer (dis-)service supervisors have no authority to issues courtesy credits when high-value (or any) customer has been wronged by the bank? What a miserable experience.
I signed up for a Barclaycard account through Apple when I purchased my iPad back in February, 2012, when I saw that they were running a special promotional period of only needing $500 to qualify for "no interest for 12 months". I applied for the card, was approved and went on to pick out the right iPad for me. I was traveling abroad and wanted to use this as my computer. I spent about an hour talking to a representative online through the "chat" option asking a lot of questions and finally picking out a refurbished one. I verified three times that even though it was refurbished, it would still qualify for "no interest for 12 months", since it was $543. She advised me that this was correct. I bought it. It was stolen from me 2 weeks later.
I've been making payments on an account that I don't even own the item anymore (and am very bitter about the theft). So I had set up my payments to automatically come out of my account every month so that it would be paid off by the end of the promotional period. I got online today since I thought I had made my last payment this past month only to find that I still had a balance of $84! I looked and I was charged an interest starting in 08/2012. Of course, they charged me all the accrued interest at 25% and then interest every month since. The interest added up to more than 2 of my monthly payments.
I called to try and get them to at least take off the initial charge in August, of all the accrued interest and I would pay off the balance of my account. Nope. They said that if I had called back then, they could do it but can't do anything about it now. They apologized that I was advised wrong on the promotional period while I tried to explain that I wasn't, that I only signed up for the card because they had the special offer going on and that I always double read offers like that very carefully. Nothing. So I paid off my account and closed it. I'm so angry that I ended up paying $57 in interest fees, $600 total and on something that I haven't owned longer than two weeks and still paid off and they were no help at all. I will not do business with them again.
Credit card payoff - I have been trying for three weeks to get them to report to the three credit bureaus that my account was paid off. I moved to Oklahoma from ** and I am trying to get a VA loan. I can't go ahead with this until they report that the account has been paid off and closed. I have called and talked to at least 15 people in customer service and supervisors. All I get is the runaround. They faxed me one letter and it had the wrong numbers on it, and the credit bureau would not accept it.The letter needs to have ** on the letter and it can be faxed to MetLife Funding Fax Number 580-581-3668. How difficult is that? I have explained to them that I am living with someone else and need to get this loan going so I can get in my own place.
I had paid my card to a balance of $7. I got busy, and thought I had paid it off. I never heard from them for 4 months. They sent me an account statement which I checked and realized it was my own fault, right? So I said, okay, I'll send in a payment and pay it off, after all it is my fault. I had a balance now of $73. I sent a payment of $20 because it was a bad month. Next month, my statement is $90. $37 in penalties and I'm being reported as bad credit! I called thinking I'll explain what happened and we'll work it out right? No! I have to pay the entire balance, or penalties and interest will add up. Oh and get this! Even if I pay the entire amount by the due date, they will still add the penalties! What the **!? Rip-off artists of the worst kind, because they can get away with it! I will never use them again, ever! Neither will anyone I know!
I have been using many credit cards over many years. This card issuer is by far the worst, bar none. A merchant posted two unauthorized charges to my account and made a refund for one of them. I disputed these charges, but Barclays Bank refuses to process my claim, saying that the merchant already issued a credit. In general, their customer service, outsourced to India, is exceedingly courteous, but clueless. It is like talking to robots, reading from a script regardless what your question is. I had two disputes with two merchants over 8-9 years. Barclays was never on my side, rejecting my claims with form letters again and again. They treated me like trash, even though I spend $80K average per year on their card. I stopped using their card and then they charged me a minimum monthly charge. I am now closing this account.
They keep calling for individuals that do not reside at my address, let alone my phone number. I'm frustrated of so many phones calls at all times of the day and night. No respect or regard for anyone.
I filed for a Barclays Bank credit line to purchase an Apple computer. I have all the credit cards I need, but I wanted 12 to 18 months no interest on a Barclays credit line. I have American Express Gold Card, Discover Card, Bank of America credit card, Capital One credit card, and a $1,800 Best Buy line of credit. These scumbags refused to give me a line of credit for some ** system that they use to qualify clients. They have damaged my credit profile with false information. I have a score of over 700.
These stupid scumbags consider this not sufficient. They also lied about having too much debt versus credit, which is total **. I intend to make a formal complaint to the Florida Attorney General’s Office for discrimination against self-employed single women. All the reasons they have for refusing me credit are lies. If you are a woman, do not use Barclays Bank or credit. They discriminate against working middle-class women and self-employed single women.
I wholeheartedly agree with the sentiment in many of these posts. We had the misfortune to become Barclays customers when we signed up for Apple credit. We now feel that Barclays is a company that tries to fleece customers with unjust fees by any means necessary. Here's what happened. In order to make sure we're never late on payments, we pre-programmed our bank to send in all payments according to the schedule in the contract we originally signed with Barclays.
At some point, Barclays raised this payment by $5 without notifying us (although they claimed they did). We were immediately assessed a $25 fee, despite sending in the $5 difference on the same day we learned about it. But no amount of pleading would get them to reverse this fee. Their attitude was, "Too bad. You signed a contract and it was our right to charge these fees. Just read fine print. It doesn't matter what's fair or what your intentions were. We got you on the fine print and we'll stick it to you." (I'm paraphrasing, of course.) I would think that they would value the customer enough to not lose them over $25.
On a somewhat related issue, I've already complained to Barclays that payments made to them electronically take much longer to post than to any other financial institution we've done business with. We're used to electronic payments posting within 24 to 48 hours. At Barclays, it could take up to a week. Unfortunately, we weren't able to find out whether this is a result of incompetence or done deliberately to rack up more fees. I really hope Apple drops Barclays and finds a company with integrity and the customers' interests in mind.
I paid off my account on 1/13/12 and four business days later, I noted that they have not yet closed my account. I called them three separate times to ask that they close the account and finally on 1/23/12 (twelve calendar days after they were paid), they sent a letter with a total balance due the difference between the amount I sent them and the payoff letter is interest and fees which they have added unto the account on 1/252012 (eight business days my payoff check was cashed).
During the same period when my account was supposed to be off, they charged me interest and fees. Having realized their zealousness, they reserved the interest fees but still charged me for the fees. However, both the fees and interest are derived from the total amount owed according to their statement. I paid the fee as soon as I received their statement in April, but they claimed that the fees were paid late and, therefore, I owe them the fees plus late payment.
I spoke with a supervisor on 5/1/2012 and the lady, having put me through repetitions and trying to get me understand that they were doing me a favor, offered to made a deal to pay the late fees because according to her, the bank has already helped me by waving the interest fees on an account with zero balance, and more importantly one that should have been closed on 1/13/2012. My take on this is that Barclays Bank/Juniper engaged in consumer rip-off and scam in order to get more money from customers whose accounts are supposed to be closed. I am sending this matter to my state attorney general's office for action.
When I closed my account with them, I also closed two other accounts. Surprise, surprise: the two other credit cards closed my accounts and I have not had any problems except for Barclays Bank/Juniper. When I brought this to the attention of the lady I spoke with, she tried waving that away as different from how Barclay Bank/Juniper does business. I refused to be shafted by Barclays Bank/Juniper I have paid them what I owe them and refused to give them any more of my money. Documents will be made available upon inquiry to verify facts related to this matter. Thank you for reading.
Barclay decided to inform the account holder they are changing the terms. Nothing wrong there. However, they were sent a polite letter asking for clarification on several items in the new agreement - payments always on time, never over the limit, etc. What did they do? Closed the account. Granted, they have the right. Problem is they were informed the letter was not saying their new terms are not acceptable; therefore, they are to close account.
I made 2 payments recently using their website. Both amounts have been ACH’d out of my account and into their account. They have credited the money to the account, but have held the money and not made the card available for 7 days at this point. That’s the first payment. When I spoke with the card, the associates answered they were holding funds because I made a large payment. When I questioned this, I got a different response stating that they were holding funds because I made a second payment within one billing cycle. Again, I questioned this and was told funds would be available today, 4/20/2012.
I was not surprised to find out they lied again and the funds are not available to be used. I have a negative balance on my card. The funds have been withdrawn from my bank account; both payments have cleared my bank and were taken directly from the bank by their bank using their website. So, therefore, I question how they can hold my funds and make them unusable for such a long period. This is not the first time this has happened. We use the card for the miles and are regular cruisers; therefore, it gets paid off quite frequently so we can build up the miles. It seems they realize this and try to make the funds unavailable. I would highly suggest staying away from this company as they have no customer care or concern. It's all about them and their money making and nothing about you the consumer being able to be helped or satisfied.
An online payment was made on 3/30 or 3/31. After I made the payment, I realized that it has been a while since I made a payment (payments are being made by a financial debt management agency). I checked for bank information and updated this information. This payment was returned for NSF due to the previous listed banking information was outdated. I telephoned Barclay to verify my updated banking information and stated what had happened. This payment of $20 was processed again through the outdated banking account. I faxed bank documents to the Customer Care Department. I have not received any information from this Office. This same $20 payment was processed two more times! This makes a total of $140 ($35 ea.) charged to my banking institution for NSF.
I again faxed documents to the Customer Care Department for review of the four charges. When I voiced my complaint via telephone, no one has any answers. When I stated that the documents have been faxed, I was told that this information was not available for their viewing. My complaint has fallen on unconcerned and non-caring employees. No one has tried to resolve my issue. These charges have placed a financial burden on my finances. I'm making every effort to pay by creditors.
No consequences! I have never received two $50 coupons promised for two years in a row now. I have called and called and talked to different representatives and as of yet, I have never received a promotion benefit from Barclay's Bank. When I joined Barclay credit card program, I was promised these promotionals, including two free round trip airline tickets after the first year. I have two credit card with them, one being a personal card and the other being a business card. I have never received anything from either card, except monthly statements and have always been up to date in paying off the balances on both cards. This last year, I used the cards a lot for big purchases and was only rewarded the standard point for rewards. I only get the runaround from both Airtran Airlines and Barclay Bank. I may just cancel both cards if I don't get any satisfaction from them.
When we applied for the cards we were told they would have 25,000 points. When we went to redeem the points, they only had 5,000 points. I won't deal with companies that use these type of tactics to get business.
Barclays bank Delaware - I took 3 cards and consolidated all 3 cards withholding them. I didn't have problems till the last card which I made my last payment with. I thought every thing was ok--until I started getting bills from a person saying it wasn't paid. So I call Credit Solutions up and they said it was taken care of, until I talked to a lady months later that told me everything was finished on my account. I made all of my payments to them. They didn't do their part at the end like they did for my other two bills. Now, years later I’m still having a problem. And every time I call Credit Solutions, I never get through. For days now I have trying to call them for an hour each day and they won't answer! I need to get this settled. Thank you.
I recently called to inquire why I was charged $47.41 for interest for the month of February when I made a payment of $2,000 on 2/6/12. The interest posted after this date on 2/10/12. I also inquired about a possible lowering of the APR and I was really frustrated with the way that a lady from their office spoke with me. I was told that I was on the "late pay" list or such since I had missed some payments. The fact is that I have had this account for several years now, and the only payment that was ever late was last November when I did not receive the statement. They contacted me and I promptly made the December payment along with the charges for November, etc.
I asked to speak with a supervisor and he argued with me about the same thing. I told him to tell me the other payment I was late on and he couldn't because there isn't one.
I am very unhappy about the lack of professionalism with their employees and I thought they would be more appreciative of a $2000 payment from a long-time customer, but instead I am treated like some irresponsible person. I could've easily used that $2000 for another bill or something else.
It's not limited to Juniper, but all of the banks that are treating customers like this will be the ones without customers in the long run. I will never, ever do business with Juniper/Barclay Card, whoever they are, again!
On 12/9, I transferred my balance to Bank of America because my promotional period was ending on 12/13/2011. According to BofA, the transfer was on 12/12 and Barclay deposited the funds on 12/13 (which is when my interest starts with BofA). Barclay claimed they did not receive the transfer until 12/13 and they have 24hours for processing and they did not deposit the funds until12/14. They then charged me all the back interest and late fees ($265). When I called them, they and stated BofA guaranteed Barclay cashed the funds on 12/13. They reduced the balance to $60. I have paid this in order to stop the phone calls daily and have told them it was disputed. I want them to reimburse me the $60, however, they declined. This was a promotional offer from Apple and I have had nothing but problems with this bank. They do not tell the truth or do what they promise. What are my options?
I paid off the credit card balance with a balance transfer from Bank of America. They received the funds before January 13, 2012. The balance due was on January,13,2012. I have a statement from my bank asserting the funds were received by January,13th, 2012. Airtran; Barclay states they did not receive the funds until January, 14th, 2012. I was charged a month's interest because they considered the payoff received late.
I have been with affiliated Barclay's bank through the use of their LLBean Visa for over ten years. We had financial trouble and missed a few payments which caused them to raise my interest to over 28%. This put us in a negative am situation. The payment of 2% of the card each month was exceeded by the amount of interest being charged. We called to set up a settlement. We agreed on a settlement but since the down payment was so high, we wanted to start the following month. We were willing to pay the payment for the current month. They yelled at us and hung up on us. It will be a pleasure to tell everyone I know including Facebook friends what horrible people and practices reside among the Barclay's back org.
I just closed my account with Barclay fun points today. I communicated with someone over the phone when booking a cruise on Carnival last month and the site provided feedback that my cruise would be paid for with my 125,000 fun points plus. Find out today I was mislead and lied to. Half the amount was credited to my account. I have never dealt with such a misleading company as Barclay rewards and Carnival. I'm retired and when I fill like I'm getting screwed I fight back. I will spend the next few days bad mouthing your company to the best of my ability. I have to think that the accident off off the coast of Italy was Karma for your company. I will do my best believe me to discredit Barclay and your cruise line in the coming days to the best of my ability.
I received a letter in the mail from Juniper Credit Card advising me that I could qualify for a lower interest rate by transferring my current credit card to theirs. In order to verify how much I would be approved for, the letter gave directions to apply online on Juniper's website.
I filled out the application online and once submitted was told it would take a few moments to process. Once the screen refreshed and they showed my results, it stated that I did qualify for their credit card and quoted a transfer amount they would take, but it was not for the entire amount of my other credit card, so I declined the offer.
Within moments, I received several emails to the address I had to give in order to fill out the online application stating that I was approved for the amount. It also stated that the card was now active and that they were in the process of transferring the amount of money from my other card to theirs. I called their customer service immediately and told them I did not want their card and that I had just filled out the application but didn't qualify for the amount I wanted and was not interested in signing up.
They advised me that it was already too late and the card was active and the transfer process was already taking place. I began yelling at them and demanding to speak to a manager and got the run around by several people who clearly worked overseas and were very difficult to understand. They told there was nothing they could do and that the account was opened and I was stuck with it. I begged them to cancel the transaction and told them this was going to put me in a horrible position financially but they refused to cancel the card and put me in worse debt than I was already in within seconds.
Now I was stuck with two credit card payments and interest rates doubling my debt. Within a few months of the card being opened they increased the interest rate making it impossible to pay off the card. I was making more than than the minimum payment on both cards and not seeing my balance lower at all each month, so I stopped paying on them out of frustration. I couldn't afford to continue paying so much money without my balance changing.
I have been harassed over and over again by Juniper and I am now trying to make payments to them as well as the original credit card holder on a monthly basis. But I lost my job and I'm trying to put myself through school, so thanks to this company I will be in debt for a very long time. If I had not filled out their application I would have managed to pay off the original credit card and would have been debt free, but now I am in debt for a long time, thanks to them.
I have been contacting Barclay's officials since 2009 to cancel the card however due to one or the other reason, they are avoiding this and on a purchase of Rs3000, they have added up so much interest that it's now become more than Rs30000. Below is the recent mail I sent to them.
This is not the first incident of your lapse in service. Without my consent, Barclaycard Priority Circle membership was activated on my account when I raised the complaint on Feb 9, 2009. It was canceled and I got confirmation on February 24, 2009. In my mails, I clearly mentioned that I never said I'll not pay the money. Every time I was willing to pay the money and every time I requested to provide the details to me. After speaking to Arif, I am 100% sure that he had not listened to any of the conversation I had with your Customer Service Department or Collections. Even though I have requested it several times. I even mentioned in my mail that don't be hurry in responding back and please respond after reading all emails and still for the sake or responding back, he wrote one or the other things and missed out many vital points which I have raised so many times.
It sounded like Arif and Ravi were trying to put the blame on each other's department. Arif was focusing more on Jaspal's communication and Ravi was concerned about your lapse in service. Arif, you were arguing so much but you have not even read my mail dated October 15, I clearly mentioned that Sayed from your organization had called me and he clearly mentioned that Jaspal is still working for you guys. Sayed even confirmed that Jaspal had forwarded his communication with the senior also and same is reflecting in your own system. So why are you denying it?
Even Ravi said that Jaspal might be from telecalling team but you were so adamant that there is no one with such name in your organization; you didn't even bother to check. Even if you outsource any department of your organization, still the liability lies on you. You cannot put blame on the outsourced partner that you are not aware of it. Especially when you are there to resolve customers complaints escalated to your company. This issue is not that you have received the 5k paid by me and is settled against my credit card. It is how you received it. Because I made the payment only on Jaspal's request.
How can ypu ask me to provide proof in writing. I would have collected proofs if I would have known that you'll make things so worse for me. It's not only about Jaspal, it also about the pathetic services you as a company had provided. And don't use the word “settlement” as a weapon to fool around me. I was not desperate for any settlement as charges were not clear to. However, just to get some peace of mind I agreed to settle the matter but you guys don't want this hence, you are still dragging the issue so that you can keep on charging interest on me by making me fool. How do you expect me to know your internal process? Why am I supposed know what is collection and what is customer service or who is from telecalling? You should take care of your internal process.
In spite of asking bill details so many times, I never received it. Okay as per our today's conversation, I understand that there was lack of understanding at your end hence you were sending me same bill again and again and not the itemized bill in which I was actually charged for my expenses. But when you saw that, instead of sending the bills I am complaining about the same issue, why didn't you call me to get clarified what exactly I am looking for. How long does it take to pick up the call to get the issue clarified?
Instead of accepting your fault I was shocked to see that you have the audacity to ask proof from me. You provide contact numbers of the collection people so that later, you'll blame the customer for not providing proof. You provided me contact number of Sunil, but have you checked how many times he responded to my calls? You are the service provider and you ask customers to contact your people. What kind of service is this? You expect customers to know the number, name, designation of the person with whom they are speaking to even though they are working for your organization, And also ask for proofs. Weird isn't it?
As per today's conference call between Ravi, Arif, Rajiv and myself, I'm forwarding below trail mails for your reference. Your communication clearly shows that there is a huge communication gap in your own organization. I mentioned earlier that I am into projects and I have to be on tour all the time. Having trust on the companies, I don't really bother to check my credit card statements on regular basis. I marked a mail to you in 2010 stating that cancels my account. Did you answer that? And since then you are adding interest on my card which I have not used since ages.
I just opened an account with Barclays Credit Card. My charges were close to $1,200. I wanted to keep my credit in good standing, etc. I emailed them to let them know I was sending a $500 money order, which they have received. But instead of applying it to my account, they have it on hold till the date the funds are actually due. In the meantime my available credit is $20. If I go over, etc., then they will tack on late fees,etc. I have never heard of such a thing.
I had just made a payment by phone on time. Two days later, I was checking on my bank balance, and that is when I found out that an amount of $56.00 was taken out of my account, without me knowing about it. I had called Barclay's about it. I was hung up on, several times, when I was on a land line. Once I was on my cellphone, I was finally able to talk to somebody. All I got out of them was, it was a legal transaction, and that it was my bank's problem.
I knew that it was not so. But I then went to my bank, and filed a complaint. Barclay's did put the money back in my account, but then I found out on my next statement that they charged me $27.00 for them doing that. That is fraud. So if there is lawyer out there wanting a clean cut case please contact by phone. More than willing to file a class action lawsuit or a private one. Thanks.
I closed my account with Juniper because they raised the interest rate and started charging an annual fee. I have initiated a balance transfer with another card, but used the wrong account number (the number was changed due to a fraudulent charge). Their customer service assured me the numbers were linked and the transfer would be credited to my account, this has not occurred yet, but the card I transferred the balance to told me it cleared yesterday. I saw by my statement that tomorrow is the date when new interest charges will be added. Shame on them for delaying the payment so they can add more interest. I will pay this card off ASAP and never will I do business with this company again, talk about fraud. I better see the payment applied ASAP, I am willing to take this as far as I have to to get satisfaction.
It is just this type of ** that has started the occupy movement, fat-cat corporations getting rich off the backs of honest folks like myself. I have no problem paying interest for borrowing money, I have always paid my bills in a timely manner and do not expect something for nothing. This is over the top, whatever happened to customer service? Thank you.
My husband is in the Air Force and by law under the Service Member's Civil Relief Act (SCRA), he can't be charged more than 5.9% interest on a credit card. He is an authorized user on the account so we tried to engage the SCRA interest rate. They told us initially that he was changed to the primary card holder for the account. They then told me to call back the next day to change the liability from myself to him. When he called back the next day, they said that this was no longer possible. They said the only way to make him the primary account holder was to open an account himself at which time they automatically started trying to get him to open an account.
They have done everything in their power to try and keep him from being the primary account holder so as to avoid changing the interest rate to a lower one. When asked if we could speak with a supervisor, it seemed as though they were trying to avoid that from happening. They either said he/she was busy, "just entered a call" or that it might take 20-30 minutes. He said that was fine and then they came back with "even an hour?" I know these calls are recorded and if so there is a strong case for negligence and unscrupulous business practices taking place here.
I applied for a credit card during a cruise because they were claiming that usage of the card would get me sea miles to use for free cruises in the future. Carnival cruise opted to bill the credit amount on the Barkley card, not the one that I gave American express for payment prior to getting on board the ship with my whole family.
I never received a bill because according to the representative, the bill was mailed to the zip of my office and not my house, which never got to me until I called American Express and questioned my bill which was not received. I called Carnival and was told that I should call Barkley Bank. I called them and found out that the amount due was billed to them. I was on time. One day prior to the bill due, I wrote a personal check for the full amount and mailed it by way of the US post office. I paid the full amount owed on time with personal check. It was cashed by the bank.
Several months later, I was told that I was late and had accumulated a $250 debt for late payment and penalty. I called the bank was transferred to collection agency. I explained that I never got a card. I never activated the card and I never signed a voucher for expenses on the credit card. I finally gave in to the fraud because I was applying for a loan and did not want to hire an attorney which would cost me more than $100 to fight. I paid the collection company $100 in full payment for the false fraudulent debt that they said I had with Barkley Bank. I was turned into the credit companies ratings that I have defaulted on the debt.
I called the bank and could never get anyone other than the collection agency. On 11-3-2011, I was finally given the number of the card which I never received nor activated. I was told to write to TransUnion, Experien, and Equifax a registered letter demanding that they take off the claim that I defaulted. This would take 90 days and would affect the present application for a home refinance. I lost 3% cash back from my American Express card and mileage points. I lost $100 to settle the dispute, and on top of it all, I got my credit rating of excellent to average. This Carnival & Barkley bank are fraudulent, and because of the incident in the credit company, my loan will cost me more if I would have a great credit score which I have had and protected for the last 50 years.
My experience with Juniper/Barclay has been very disappointing. I closed my account in 2008, have been making payments and have requested several times to have the 29.9% interest rate lowered. After speaking with several so-called representatives, I was informed that if I were to make timely payments for a period of 6 months, I would be able to get the rate lowered. Well, guess what they now have informed me? That I cannot get that lowered and to try back in another 6 months. Worst credit card company I have ever dealt with in the last 30 years.
My husband was laid off for a very long time. My Juniper card was always paid. Finally, I could no longer keep it up and called for assistance. I had 2 cards, a Visa and a MasterCard. I received an offer of a settlement, which I took. Payments were set up to automatically come out of my checking account over a period of 3 months and then it would be considered paid.
I continued to get bills and calls. When I told them about the settlement, they said that they had no record of it and that it was only a plan to get me back on track. She continued to ask me if I would like to make a payment to prevent more fees, to which I said, "I am not giving you another dime." Thankfully, I had all my paperwork, but when I began to go over it, they had set it up under one account but had sent the money to the other account. Nowhere do I stand! I had set up the other account to do the same kind of settlement for $116.00 a month for 3 months and found that it was a scam too!
I did a $5,000 balance transfer in late August to another card. The other card has never received it. They say that I should ask by what means the transfer was made by Barclay. I have made numerous calls to Barclay with promises, and now, I have 3 case numbers and a letter saying that the transfer was complete on August 30, 2011, yet the other card company, The Great Indoors MasterCard, has never received it. I don't know what to do at this point. What legal counsel can I get to get this solved is what I am pursuing now.
I closed my account in July 2011 with a zero balance. Then the next month, I started getting harassing phone calls saying I still owed them money for fees. I spoke to a customer service representative, who said they would waive all fees, and I didn't need to worry about making a payment that my card would be at zero balance and closed. Then today (September 28), they called me three times throughout the day. They claimed that I still owed them $51, and they had absolutely no record of any of my previous calls. After arguing with them for over an hour, and they threatened that if I didn't give them their money they would ruin my credit, I caved in, and gave them their money. I would never recommend this bank to anyone. The worse customer service on the planet!
I ran behind one payment. I called in advance of the payment being late. I was harassed for 30 minutes while trying to schedule 1 and only payment. They kept saying that I had to commit to additional dates and payments in the future which were not yet due. They said that they wouldn't finalize my payment arrangement unless I agreed to do what she wanted. More recently, I tried to pay my past due amount by automated teller. It was rejected unless I paid the additional amount that was not due until Oct. 5th. They said they would connect me to a rep. I was disconnected after about 7 more minutes on hold. They are making it impossible for me to pay any amount towards my debt. What can I do?
I filed ch13 bankruptcy in 2008 and listed Juniper/ Barclays Bank. They were notified by the courts and failed to respond and submit their claim. The courts gave them six months to do so.
Three yrs later and several threatening calls from third parties, now they have started harassing our grown children with threats.
These people are violating every law there is and the sad part is, they're getting away with it. Under the Bankruptcy Protection Act, they are not supposed to contact you, but they do. Where is the justice for those of us protected by the courts? People should stay away from crooked companies like this.
Bait and Switch? I was about to purchase a new iMac for $2600 and I saw the Financing Available (in red) so I clicked on it and up pops the deal. No interest for one year if you use a Barclays card. Cool, so I "Apply Now" right there in the first area that popped up. I filled out the application and I'm approved. Although I had to give them some more information, no big deal so I made the call and explained exactly what I am planing to do: Use it for the free interest in plain English to the Barclays agent I am talking to. So he told me just go to the store and make my purchase and the Apple salesperson can call Barclays and get approval since I won't have my card yet. So I zipped down the next day and voila! They never heard of such a thing at Apple, so I spoke to the store manager who speaks to the manager at Barclays. What do you know, the charge is approved. Great right?
Wrong! They sent me the iTunes card (black) as opposed to (white) that I would have had to scroll down to find and for which I get iTunes points but no free financing. I called Barclays to be treated rudely by Nicole who swore that I had filled out the wrong application. Well Golly Gee! Wouldn't you think the agent who took the extra financial information who I told I was using it for the free financing might say something? Apparently not! So back to my rude Barclays agent Nicole who told me it's my fault and there is nothing she can do about it and she said it with real attitude. Up one level to her supervisor who said the same thing but that if I apply for the free financing credit card, she can move the charge to it and wave all the interest and fees. Then she told me this happens a lot! Hmmm, sounds like they have a bait and switch problem to me. So I ask you, if an honorable company puts a link to "Financing Options" and then includes a card with iTunes points and no free financing, and then supervisor clearly states that a lot of people all mistakingly apply for the iTunes card in "error" maybe (just maybe) Barclays has a "small" bait and switch problem?
So I have applied for the white card and hopefully this will get sorted out. Beware of doing business with companies that operate this way. I'm really surprised that Apple uses Barclays for their financing when there are many reputable financing companies they could select from.
I have recently paid the last of my credit card bill for $150.00 using auto-pay on 13 Aug and cancelled all future payments on 15 Aug. Since the payment was cancelled, all of my previous recurring payments should also be cancelled.
Now, the customer service department is claiming that they don’t have any record as to when I canceled the payment. After trying to get a supervisor on the phone and after calling three times, no customer service representative was able to fix my problem and give me a sufficient answer to my problem.
This is hands down, the worst credit card I have ever had. Ironically enough, the first one for which I've paid a yearly fee! A "hold" was put on my account multiple times (thus, I could not use the card) due to suspected fraudulent activity. None of the charges proved to be problematic. What good is a CC if I suddenly can't use it when I need it? Each time I had to call them and verify the charge. Then, when a fraudulent charge did appear, I reported it. NO ONE at Barclays told me that they would cancel the old card and replace it with a new number. I found that out when I could no longer use my existing card.
I called Barclays and they told me they would then send me a new card; then they charged me a $29.99 fee for it! I was furious as the representative I spoke with assured me that any charge would immediately be credited and that I would not have to pay for this new card due to all of the trouble I've had with the account. So I called again today and spoke with yet another RUDE customer service representative. She told me that she would take off the fee (we'll see), but that would only apply to the next billing cycle.
I cannot take the amount off of this bill. If I don't pay the statement in full this month, I will be charged a ** finance charge! I'm SO looking forward to CANCELING this card. FYI: Almost every call has resulted in talking to a person with a heavy accent. I have no idea where their call center is but it's likely not in the US!
Inexplicably my credit card payment (which is on time) was applied to another person’s account. Then it was put a hold on (my card) without notifying me for "nonpayment". It was a massive headache to try to sort out, with the worst customer service that I have ever experienced from any company. When I wrote the president of Barclays to complain about the poor customer service that I had received, unbelievably, their only response to my call was to berate me for not having direct deposit from my checking account. I have run a large business for over 20 years, and this is the WORST company that I have ever had the displeasure of dealing with.
Barclays Bank of Delaware is a rip off. Everyone should be very careful with them.
I have requested this company to stop contacting me, however, they keep contacting me on a daily basis. Furthermore, the company will continuously contact me throughout the today using my cellphone, my home number and my parents number. They will call me on Saturday and Sunday. To make things worse, they contacted about six times on Easter Sunday.
I have spoken to the company that I am working with a third party debt repayment company to help pay the bill and I was told that will be fine and the calls. They should not call but yet they are increasing.
First is the phone calls should not be made to my parents since I no longer live at home. I have changed my number so there is no reason to be bothering my my parents. My parents are disgusted starting at 8:00 am to throughout the day, including their weekend. They told them numerous times that I no longer live there but the continue to call.
Second, they are now bothering me at work because they are always calling my cellphone. It causes me to drop everything I am doing and disrupts my work and co-workers.
They are now ruining holidays for me and my family. I cannot enjoy my time on special occasions and weekends. I am slave to these phone calls and no matter how many I request them to stop, they continue.
I have now had five conversations trying to close this account completely and have been unsuccessful on all five. It comes as no surprise to me that I continue to owe money on the account and no supervisor will take the call. The first conversation was on or about March 10 or 11, with someone who told me that I could not pay the balance in full upon first payment because it exceeded the maximum allowable payment at that time. I said that it was my intent to close the account and needed to know how to do it and the answer was to make two payments. The second after the first had posted to my balance and to my account. That I did. I then called back upon having made a full payment of the balance (not the statement balance) and requesting for a second time the account closing and the operator said that the account would close.
I then had a third conversation upon verification of the payment clearing, when I saw that the annual fee had been charged to my account. A ffull month ahead of time I might add, and the conversation was again that I wanted the account closed and I had no intention of paying the fee. I was told the fee would be waived. Now the fourth conversation with another less than helpful and cooperative team member, telling me that I had accrued interest charges on the account from its being open and the charges were valid. Again, I explained the time line dating back as far as the beginning of March and that was of no consequence nor would or could she confirm (very conveniently) that the conversations I mentioned, happened the way I described and that the interest charge was valid.
Again I asked to speak to a supervisor and again I was not allowed to speak to one and was told to call back on Monday @ 8AM to speak to someone. The fifth and final conversation was just this morning with a team member when I called at 8:00 AM as instructed and not surprisingly no manager was to be found available to take the call. She further said that she would put the request through for a supervisor to call and I said that this matter should be marked urgent and that if anyone of any position had not called by 10:00 or 10:30 EST I would not be the least bit surprised. Imagine my shock, it is now 10:30AM and no phone call came.
The sixth conversation found me still having to pay the interest payment. I did so and then reported this to the BBB of Delaware.
This whole experience is completely unacceptable and not only shows a complete and utter lack of care and concern for customer service but plain outright robbery and greed on behalf of the Barclay's and US Air companies.
Be assured that I will make it my business to inform everyone I come in contact with, everyone I know, use every resource to see to it that I make my side of the story known and that it is my opinion that neither US Air nor Barclays card services have a credible business or customer practices, and further that both should be investigated by the better business bureau and any and every other consumer watch dog group available. Lastly, I would also like it know that I will never again be a customer of either company.
On December 31, 2010, Barclay's Card Services posted a large number of checks with the wrong payment coupons. When I noticed that they did not credit my payment, I advised them of this on 1/16/11. Their call center in the Philippines is unhelpful. (All phone numbers on the statement lead to this call center.) They said I had to mail them a copy of the check, front and back, which is impossible, since they are electronically presenting the checks.
They mailed me a document purporting to prove they posted my check correctly. It was someone else's check and account, but they were too stupid to notice this. I contacted this individual to advise them of the violation of their financial data (Juniper acct #, Wells Fargo account #, signature, etc.). That is how I learned that her check went to a third party's account.
They have never responded to any written disputes. They charged me a fee for not paying in full each month, but I had paid in full. They charged me interest, then deducted too much. They are **. They don't do math. They only have overseas representatives. Those representatives don't understand electronic presentation of checks.
Barclay's Bank is a criminal enterprise, as far as I can determine. They are electronically presenting checks carelessly. They disclose your most private financial information. They do not comply with their own Terms of Service or with US laws. I will have no further dealings with them. There must be many other victims out there, and I was never made whole.
I Booked a trip on Orbitz using my Barclays Mastercard. The website stated the property was a 4 star property that I booked. When I arrived there were many problems with the room. The smell of ammonia or some strong chemical was so bad. I had to sleep with all of the windows open in the second room that they moved me too. When I returned, I contacted Barclays and told them that I was the victim of a bait & switch scam form Orbitz.
They told me to send them my statement of facts and the photos I had taken to support my case. Barclays closed my case without even contacting anyone to verify my claims, two weeks after I sent them the information that they requested. They did not speak to anyone! When I called them to ask why, they did not return my call. I waited for 2 weeks, and called back, only to be told again that someone would be in touch with me in 48 hours. After waiting on the phone for over 35 minutes, for the second time.
When I spoke to Debbie ID Number **, she told me that since I did not leave the resort, that there was nothing they could do. She also mentioned that I was offered a certificate for my complaints by Captain Olivers Resort, which I refused. When I asked her if she knew what the certificate was for, she said no. I guessed it was for a discount for a future stay. I told her no, the certificate was for a free lunch, which I declined.
Hardly fair compensation for a room which I prepaid over $200.00 a night for, in which the Air Conditioner didn't work properly. The showers had such poor water pressure that I had to hold the knob in the on position for the shower to work at all. There was black mold all over the shower areas, along with several loose tiles in the bathroom area. Hardly, a four star resort!
I have Barclays Bank credit card! I never a missed payment, never a single late payment. I used the card 3 times a year and paid balance in full within 2 weeks. I received a letter informing me of a credit line decrease. I then called and inquired why they were reducing my credit line by 60%. I was told by someone who did not speak English well and had a hard time understanding my English that my account fit into a "certain risk category", resulting in the decrease. I asked when was the last time I was late or had missed a payment had occurred. "Never," was the response. I asked what my balance was. "0" was the response. Then I asked "...and you will still reduce my credit line? " The answer was "yes. "
No problem, I've kept the card for over a year more. Charged $10 per year on it and paid it off within 2 weeks. No interest for you, Barclays. I kept it to add to the longevity part of my credit score. Credit is now great. I called them the other day to cancel. My call was transferred to the "account recovery" department and they asked why I was closing the account. My answer was literally this, "when I needed you to help increase my credit score, you reduced my line (and thus my available limits) and hurt me despite a perfect payment history. Now you need me more than I need you. Close the account now. Now. Right now. "
They complied and I shared a last bit of information with them, "I own a home and need to re-finance. I will ask my mortgage broker to make sure that my new mortgage is not with Barclays. My wife owns a separate house and she needs to re-finance, too. This won't happen with your bank, either. No joke, we are jointly purchasing some investment real estate in about 6 months. We'll need financing for it. Trust me when I tell you that Barclays will not be the lender. You reduced my credit line a year ago to save yourself risking a couple hundred dollars at my expense. Now, you'll pay by not having hundreds of thousands in mortgage interest come to you. "
The representative was speechless literally, since she was sitting in a call center somewhere in a country where English is not taught well. I got my confirmation number for the account closing and hung up on her.
Justice. The banks' weak spot is their competition. If you have a Barclays account, close it immediately. Transfer your balance to a competitor, then call them and let them know. I can happily hold a grudge, no problem. Our plan is to eventually borrow millions in investment real estate capital. Even if Barclays offers the lowest rate (doubtful anyway), they will never finance a single venture.
Did they know that they were burning a million-dollar bridge by reducing a credit line by a few hundred bucks? Who cares. When you eventually get to a place when they need you more than you need them. Pay on time, get rid of balances, never rack up credit card debt again, believe me! It's a great feeling.
The problem with this Barclay's Bank is that I received a letter that overdraw my account. The account went overdue to the interest that they charged me; making me go over the amount of the $800.00. They add it to my limit and the interest that makes me over the amount of the $800.00. They have done this to me before and I am tired of this bank scamming me out of my hard-earned money.
Now, they want to raise my interest rate to 18-23% and that will make it very difficult for me to pay when I have other bill to pay too. I want to close my account with them.
On 10-01-10, I paid off my Barclay credit card in the amount of $3664.46. I checked later in the month my account and it had a zero balance. I started to receive calls from Barclay people late November that I owed them $57.00. I asked them what for? They said $24.00 in interest and the rest in late charges. I told them that I had paid my account off in time and that I never received a statement or invoice asking me for any money and that I had checked my account late October to make sure everything was okay. The lady said they would waive everything because I had paid everything in time. I received a second call the last week of November and they wanted the $57.00.
I told her to look at my account first before she start asking for money. They said that all I owed was $24.00 and they would not waive this amount. I told her that someone by the name of Ice said they would waive everything. This lady said I owe $24.00 and asked me when I was going to pay this and I told her on the Dec 1st. This morning, Nov 29th, I got another call. Unfortunately, my phone died on me, but I know they were calling about the money. Their recording said I owed them $57.00.
Due to a a job loss in March of 2009, my credit card payments became 30 days late several times, resulting in a 29.94 interest rate. In December of 2009, after maintaining two months of on time payments, I inquired as to how I might reduce my interest rate, since it was a financial hardship on me. I was told that after six months of one time payments, they would review my account for a reduction.
After six months, they refused. After seven, eight, nine, ten and eleven months, and after maintaining on time or early payments, Barclay's continued to tell me there was no program for me. I was recently told that if I did not make my payments for at least two months, they would review my account for a "special program." Since I am slowly building up my credit score, I do not want to take their suggestion. Help!
My husband and I have been Juniper/Barclay account holders for a few years. They are by far the worst credit card company we have ever had and we have used different ones such as Capital One, American Express and CitiBank, all of which are wonderful. The problem started when they approved us for a high limit and we transferred other accounts over to them because they gave us a low interest rate. About 8 months after we did the transfer, they dropped our credit limit saying our debt percentage was too high when it actually was zero on most of our credit cards. When they dropped our limit instead of being thousands of dollars from being maxed out, we were hundreds.
We worked hard paying 3-4 times the minimum to pay it down. Well here we go again, we are thousands of dollars from the limit and they dropped our credit limit again, making it look like we are almost maxed out again! The reason given was our credit balances were to high. No way, we have several credit cards with zero balances. We have never been late, pay 3-4 times the minimum, have never had a payment returned, even set up our payments on automatic debt so we are never late. This company is horrible. This practice should be illegal and I would really like to know if this company has any class action lawsuits against it. If not, let's file one!
I opened a Frontier Airlines card with Barclays Bank. I didn't miss any payments. Two months in a row I made the payments on the due date that was on my statement via online. I noticed the following month that my interest rate had gone from 14.9 percent to 30.24 percent!
I called Barclays and they stated that I was late on payments the last two months and that is why the interest rate had jumped. I explained that I had my payment history pulled up in front of me online and it showed that I had made the payments on the due date. The CS agent informed me that the payment hadn't posted until days later so therefore it was late.
They were horribly rude, unwilling to listen or help and because of the interest increase, our minimum payments were extremely high. My husband and I were lucky enough to get a loan from our credit union to pay off this credit card and close the account, but after reading all the other posts here, I am just praying that they don't pull another fast one on us.
This is crazy and these posts that I have read date back to 2007. How has nothing been done about this. Do lawyers really review these complaints and not find the 30 pages of complaints here not viable enough for a class action suit? And this is just the tip of the iceberg, there are undoubtedly thousands more of us out there. I'm willing to help to have swift legal action brought against these people.
On October 11, 2010 I made a payment by phone and was given a reference no. to conclude the transaction. Normally, I pay my bills through my online banking/checking. At any rate I was contacted yesterday by someone in the Philippines for Barclays, saying I had a past due balance because my transaction did not go through because I did not give them the correct checking account no.
I couldn't remember doing the phone transaction and the young woman had the first 4 digits of my account no. I was extremely skeptical and refused to answer any questions. Her supervisor came on and gave me my mother's maiden name, my SS no. and my date of birth, and insisted I give them my checking account no. in order to pay my bill. I refused further, hung up and attempted to call Barclay's. I was immediately sent back to the Philippines were I had to go through the exact same thing with two more women, the latter being a supervisor. She talked over me, insisted I did not know what I was talking about, said they had a transcript of my conversation during the initial transaction, etc.
Fine, I said let me hear or see the transcription so I can find the problem and fix it! She refused to give me any information and demanded to know what I was going to do about my past due balance. When I called Barclays it said I have made a payment on Oct 11 in the amount of $125. Yes, they say but it's not really there. I demanded to speak to customer care in the United States but I am told that will not happen until I take care of my past due balance because my account is past due! Argghhhh! I am thoroughly frustrated.
On October 11, 2010, I made a payment by phone and was given a reference # to conclude the transaction. Normally, I pay my bills through my online banking/checking.
At any rate I was contacted yesterday by someone in the Philippines for Barclays saying I had a past due balance because my transaction did not go through because I did not give them the correct checking account #. I couldn't remember doing the phone transaction and the young woman had the first 4 digits of my account #. I was extremely skeptical and refused to answer any questions.
Her supervisor came on and gave me my mother's maiden name, my ss# and my dob and insisted I give them my checking account # in order to pay my bill. I refused further, hung up and attempted to call Barclay's.
I was immediately sent back to the Philippines where I had to go through the exact same thing with two more women, the latter being a supervisor. She talked over me, insisted I did not know what I was talking about, said they had a transcript of my conversation during the initial transaction, etc. Fine, I said, let me hear or see the transcription so I can find the problem and fix it!
She refused to give me any information and demanded to know what I was going to do about my past due balance. When I call Barclays, it says I have made a payment on Oct 11 in the amount of $125. Yes, they say but it's not really there. I demanded to speak to customer care in the United States but I am told that will not happen until I take care of my past due balance because my account is past due! Argh! I am thoroughly frustrated.
I received a notification from TransUnion that my Barclay/Juniper card was closed due to inactivity and serious delinquency. I don't have any delinquency on my credit, I check monthly. I never requested this account closed although they state that is what they said. I don't use the card that often but they chose to close it and affect my credit score and cause hits to my credit, especially in this economy nobody wants dings against their credit. I tried to get them to state in writing that they quote federal regulations. Huh! What about my rights?
Well, you waited too long and now my balance is $173.68. The original interest $107.89 (after Barclays lied to me and told me there would be no more charges to my account after the payoff of $5,752.88). Late fee $25.00, interest on interest $2.58, late fee $35.00, interest on interest $3.21 for a total of $173.68.
I'm done talking to Collections. I want someone from the Executive Office to call me and tell me they've written off the balance of $173.68. Don't send me another form letter. Don't ask me to call another number and then I get transferred to collections. If you don't want to write off the balance, return my $5,752.88 and I'll pay you the $173.68. That is my only offer. I am still receiving at least 4 collection calls a day. They don't document my conversations. They don't give me phone numbers to call people with any power to deal with my situation. I got a form letter apologizing, expressing their concern and asking me to call a different number and then I get transferred to collections. I end up yelling at them over the phone because they reiterate the same thing over and over again. The balance keeps increasing because of fees and interest on interest and fees. They'll probably report me to the credit agencies if I continue to ignore them. I resent their attitude after they said there would be no more charges and I paid them off in full.
Choice Hotels which is a reputable motel chain has changed the credit card "rewards program" to Barclay's Bank which offers free rewards redeemable for free lodging at Choice Hotels properties, in exchange for using their credit card. There is apparently a "cut off date" with the Barclay's offer and Barclay's recites one excuse after another for delaying the issuing of cards which have been approved. Their first excuse was that there was no application made in my name.
A second inquiry responded that the "card was returned because of the address change." I haven't changed my address in 30 years. In response to this Barclay's says "because of homeland security they can't send a credit card to a PO box." That's strange. The IRS and the Department of Motor Vehicles recognize a PO box as a valid address as do many other credit card companies. It appears that Barclay's Bank made extravagant promises to solicit credit worthy applicants, with little visible effort being made to follow through with their promises.
Every contact with a representative of Barclay's Bank produces a different story. Most recently, I've been contacted by a firm called Juniper Financial which seems to have knowledge about my credit application. I have no idea with whom Barclay's Bank has been sharing my information and I'm sorry I ever made contact with Barclay's Bank a month ago. I'm going to contact the three major credit bureaus to see if I can prevent or limit damage to my credit rating as a result of my contact with Barclay's Bank.
I had two US Airways Barclays credit cards for several years and cancelled them last year. I recently wished to reapply. I have excellent credit, a credit score of 820. I have been at the same job for 20 years. I just bought a $1.5M loan and have little debt. Without so much as running a credit report, Barclays sent an immediate rejection letter stating that since I had cards before, I was not eligible to get one again. This is nowhere in their marketing material or policies and was clearly a scheme. The individual I spoke with said it was US Airways’ policy (I have been a frequent flyer for 20 years). But it is clearly Barclays’ fraudulent and discriminatory practices.
Several years ago, I was sent an offer from Juniper Bank for a fixed rate credit card. It said that it was not an introductory rate and unless I didn't make a payment or went over my limit, it would stay at 7.9%. Recently, I noticed the rate was at 15.99%, so I called. They said that they sent me a notice which was never received, changing it from a fixed rate to a variable rate which is at 15.99% now. I said I thought the definition of a fixed card is that it is fix and cannot change. They said as long as we send you a notice we can change it. I asked then if they falsely call it a fixed card. The person said that I had the opportunity to decline the term change and I said that there was no notice that was ever received. They said sorry and they can't help you. I will never again do business with this bank.
My card was stolen on Christmas 2009 by a neighbor, and she billed $2800. I reported it immediately but the Fraud Department refused my claim. The fraud guy from Barclays on the phone told me they'll hold me responsible and not her because I "have more to lose". I've played bill collector ever since. Lawyers I've called won't take my claim because the amount of money isn't big enough.
This has damaged my credit and I've had to pay $150 out of my pocket so far just to protect my credit. I am still held responsible for the $1850 still on the account.
I am currently financially unstable due to hardships with housing. I recently consolidated my credit card bills into one payment through Incharge Debt Solutions. Incharge Debt Solutions proposed a 5.9% Interest APR to Juniper Credit Cards. Juniper declined the proposal. Incharge has been trying to make other proposals which Juniper/Barclay has been declining. Currently Juniper Barclay has increased their Interest to 38% on Cash Advances and 38% on Purchases, which is making it impossible to payoff. Our balance was $3,900.00 2 months ago and it has drastically gone up to $4,289.63.
Incharge Debt Solutions have continued making out payments to Juniper in the amount of $89.00. which according to Juniper isn't enough. We've tried contact Juniper and we have been transferred from one representative to the next and they were not just helping. I've tried explaining our current situation and they just don't care. there is no compassion whatsoever. They then explain that they don't allow outside companies, such as Incharge, manage the debt of their customers and that they have their own debt management program. However, they have informed me that I don't qualify for any of the solutions are offered, which leaves me clinging for help.
After two years of perfect payment and use of my iTunes credit card and Virgin Atlantic credit cards, Barclays decided to decrease my credit limit due to "Information we received from your credit bureaus". The information was that I had too many credit card accounts with an outstanding balance, eight to be exact. The facts are that I had recent auto repairs, a few accounts which I had not used in a while, which I wanted to use so they wouldn't get shut down, and a couple of pre-approved offers that I took advantage of. This isn't the first time this has happened with Barclays. They have a terrible reputation of being trigger happy when it comes to adverse action to their consumers.
The last time this occurred, I called and the lines were promptly re-instated followed by several "thank you for being such a great customer". This time, it seems that I happened to get the nastiest agents, supervisors, and credit analysts they had. To make the long story short, they've lost a long term customer and for what I believe is terrible reasoning. What's the point of having credit cards if you can't use them? I understand about limiting exposure, but my income levels compared to my debt usage eliminate this scenario and any junior analyst will see that. I think this borders on being criminal, the adverse effects of this kind of action can domino the average user into financial ruin.
First, the accounts will reflect that they're almost at their credit limits, which is not good. Next, other credit companies will see this in normal credit bureau reviews and become alarmed, following suit and decreasing credit lines. Despite having never missing a credit payment obligation, I'm now labeled a risk. For what, a 3k credit line? For those who want the Barclays, be ready for the adverse actions. The forums are loaded with them. For those who have it, consider another lender as this giant isn't worth the aggravation.
Something needs to review the lending policies of this company and make changes. My credit limits and exposure were cut. My credit file will be thinner as a result of these accounts being closed. Other companies may decide to follow suit in a time when the government is promoting lending, etc. My carrying a balance, and using these cards puts money in the pockets of these shareholders. I find it odd that Barclays would penalize consumers for using their products and helping to stimulate the economy.
Barclays Bank/Juniper put their interest rates on steroids after the credit card bill passed Congress. Now, instead of 10-11% interest rate, it went from there to 27.34%, and now it’s at 30.24%. All payments to this company have been on time. These are usury charges. It will take years to pay off the principal balance; case in point, I owe $500.00 less this year after making payments in the past 12-month period totaling $2,064.34.
My daughter was an authorized user on my account and lost her card. No charges were made but I requested that card be canceled and they send me a new card. This was back in early June. I have now requested the card 4 times. They say it has been sent, but I've never received a card. The customer service department is useless. My daughter needed the card this week for a trip she is taking and I didn't want to give her cash. I had no card, so now I must send cash which is dangerous.
I made a payment to my account on 3/05/2010. I inadvertently made a computer entry error, the on-line AFT payment was marked returned. When the payment amount was not deducted from my checking account, I realized the error, I then made my payment on 3/12/10, still early and weeks before the payment due date of 3/28/10. This payment was never late.
In fact, examine my payment history below, and you can clearly see I have a pristine payment history. I am a good customer and in good standing. I received a letter from Card Services dated April 09, 2010 with a Notice of Changes to my interest rate triggering the Penalty APR to 25.24%.
Please change my APR back to 14.99% where it was prior to this "penalty". This action against me is unjustified and excessive. This account has never been over limit and never late in payment. The isolated returned payment on March 5, 2010 was a computer entry error, corrected with a payment 1 week later on 3/12/10, and submitted and paid 2 weeks before the due date of 3/28. I understand that your computer can automatically generate changes and impose penalty APR's on anyone with a history of over limit charges, late and returned payments, justifiably. Raising my APR to a Penalty Rate is obviously an unjustified and unfair action. My record shows no previous payment blemishes whatsoever.I am writing to you, so that you can examine the record, and make a proper and fair determination about my account, and restore my APR to its pre-penalty status. This will be a prudent business and customer relations decision for you to make in this case, and very much appreciated by this customer.
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.