Barclays Bank

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.

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.

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!

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 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 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.

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.

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???

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.

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.

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.

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!!

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.

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.

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.

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 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.

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.

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!!

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.

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.

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!

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

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.

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.

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).

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.

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.

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.

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 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.

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 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.

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.

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.

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 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.

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?

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.

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.

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 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.

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.

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.

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. "

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.