Barclays Bank Reviews

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

When I emailed them about it, they immediately mailed a letter notifying me about the increase in the APR. A couple of days ago, I called to see if they could lower the APR so that I could start adding a couple of dollars more to the minimum payment, and I was told “no”. I live on a fixed income (Disability). I wanted to have the APR reduced because I used to buy my Parkinson’s medication with the card. Now, I'm having a very hard time getting my medicine because the 29.99% APR has brought up my balance to a degree of using what little credit I had available. And they won't work with me!

I did file for help with the Consumer Credit Counseling Service; however, Barclays would not accept the offer. I was told that they have not accepted any offers from CCCS. This morning when I called Juniper, I was told that because the increase was due to over limit and late charges, I do not have the protection of the new credit protection laws. My husband has taken a substantial decrease in his income in the last 2 years and my income has also dropped. This increase poses a financial hardship.

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

I asked them to please waive the $39.00 over the limit fee, and to no avail, they said no, and I have to pay it. I paid $100.00 in September to have my account brought current and it was. Now, I look into the online account and see that all the available credit is now gone again, and I will be charged another over the limit fee of $39.00. This is unfair and unscrupulous business practices that Barclays Bank is doing. I have been on the following website, and people there have had the same exact problem with Barclays, and are trying to start a class action law suit for unfair business practices by Barclays Bank:

I have closed my account, but they refuse to close my husband's account unless he calls them. Barclays/Juniper Bank has a logo on their website claiming to be a member of the Better Business Bureau, and when you click the link, the BBB states in their report that this company is not an affiliated member of the BBB. Something really needs to be done about this company, and if you take a look on the link above, you will probably have enough people to get a class action law suit started, and count me and my husband in.

My husband and I have always kept our credit in very good to excellent standing. We have never missed a payment and have never been late on any payments ever. Barclays is not only costing me extra money by downsizing our credit limit, but making sure that the new credit limit is way less than what we owe on the card. This causes us to have to pay an extra $39.00 more every month. I paid $100.00 and brought my account current the end of September. And now, this month is just beginning and already the available credit I had is now zero again. I will be paying another extra $39.00 to them again this month. They are literally forcing us to pay more on our credit card than we can afford. We have other bills to pay besides them. This is hurting our wallets and our credit scores, and good credit history.

Today, I received a letter in the mail stating that I agreed to pay them almost $5,000 to settle the account. I never agreed to anything nor have I spoken to anyone about another settlement. My credit is being demolished, and no one at Barclays will even give me a second thought or listen to my story. I filed with the Better Business Bureau, but I still haven't heard anything.

I then started to receive threatening text messages (as well as the calls and voice mails) stating that my credit rating had been affected due to my non-payment for 2 months. I blocked the phone number, but within the hour, they began to ring on a different number. I felt harassed and eventually went into a Barclays bank to ask for help. The bank could not understand why this was happening, as I have never had any type of account with Barclays and I have lived at my address for 10 years. The branch rang customer services who were unable to match the name of the person (that was stated in the voice mails and calls) with my phone number. I must add that they found several people who matched the name but were unable to check the phone number against the names.

I am not sure why they were unable to do this, and neither was the individual who worked for Barclays. Customer services said that they would "sort" the matter within 7-10 days. Since arriving home from the bank, I received a further 4 calls and 2 voice mails. I find Barclaycard customer services unhelpful and this level of harassment unacceptable.

The next day the same thing happened. I again called the customer service number and was again told the problem was corrected. The next time I wanted to use the card it again was refused. I called and cancelled the card in frustration. I acted in haste. I later realized I wanted the card for the miles I could receive and use on Spirit Airlines. I have reapplied for a card 4 times and have not been able to obtain one because my credit score and record are not sufficient to allow the issuance. Nothing has changed since I originally applied for the card. I truly believe the bank will not reissue the card because I cancelled on them.

The only real problem I have with not being able to obtain a card is that I am not receiving miles points for purchases I make on a regular basis. It should be noted that when I closed my account, I had a negative balance of $5.40 which they owed me. I not only paid my account off completely each month, but I would send a little more should there be a pending charge I did not remember and I did not want to have it on the next month’s billing.

I spoke to a supervisor at Barclaycard to say that I did not want the advance on my credit card. She said that the order was processed and could not be stopped. She then researched it briefly and found that the check supposedly had been sent to Kohl's and not my checking account at Wells Fargo. She said that the check now could be cancelled since it was a bank error. I replied that I did want the transaction cancelled. She said that she would start a case inquiry into what happened. The supervisor's name is Fab and her operator license number is **. The case number is **. The Frontier MasterCard for the Barclays Bank Group phone number is **.

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

My true complaint is that Barclays/Juniper partners with TransUnion and on my online statement, it shows a "trans risk score" of 655. When I questioned Barclays/Juniper on this, they referred me to TransUnion, who in turn has no complaint line for this issue. I told Barclays/Juniper that I am a member of Equifax and my FICO score with them as of 8/2009 was over 700 and that I wanted Barclays/Juniper to reflect that score since I feel they used the TransUnion "trans risk score" as a tool to raise my interest rate. Up until last week, I had a zero balance on this Barclays card, but then charged $206.00 on it, which I will pay off this month. When I put this motel cost on the card, I was in the middle of this "trans risk score" issue again with them.

Yesterday, I received an email alert from Equifax telling me there was a change to my credit file and FICO score. When I went on the Equifax site, I saw something from Barclays/Juniper showing my balance increased from 0 to $206.00, which was correct but with a negative comment also, which made no sense to me. This caused me to lose 5 points in my FICO score. I only have one other credit card in addition to this card and have been so dissatisfied with this card issuer that I had been planning to close it as soon as a credit for a returned item gets posted. But this issue has now sealed the deal.

Although it would be nice to have 2 credit cards, I have put off applying for a credit card to replace this one since I know new regulations on credit cards are coming out and I didn't want my FICO score to be affected by an inquiry, but I feel I've had enough from Barclays/Juniper. I have reached the end of my rope with them and the way they do business. I have not only been a loyal customer of Barclays for two years, but have never used my entire credit line and have always paid my balance off in a short period of time. But obviously, that doesn't matter to them and I guess it's because they make no additional money from me.

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

I waited 30 days to give them time to research it. I called August 10 to see what they had found out. I got the same response as before that I had canceled the payment request at the bank level and it had been returned unpaid. I told them of the conversation I had previously had and the information we had faxed to them, and they just held their line. I finally said that as far as I was concerned, they had stolen the $100.00 from me and I would look into grand larceny charges against them (if $100.00 is still the level for that). They have no real response but to restate their position. I was going to complain to the CT Department of Banking or the CT Attorney-General, but Barclay Bank/Juniper Financial is in Delaware and I am not sure what can be done by these two agencies in CT.

They started calling me on 7/27/2009 to remind me my payment was due on 7/31. This happened three days in a row, each time I pointed out the pending payment and they promised to remove me from their list to call. (My payment wasn't even due yet and they were starting collection attempts?) On 7/31/2009, my balance showed $1,291.64. My payment was received by them on my due date in the amount of $80. This, with the finance charges of $22.77, would have brought me to a balance of $1,233.41, which is under my limit of $1,250. However, on 7/27, they assessed me another over limit fee, which put me back over the limit before my bill was even due.

They didn't post this charge until 8/4/2009 after my statement printed. So not only didn't they wait until after my payment was due to assess this new fee, they also made sure I wouldn't know about it until after the fact. They had promised me after the second over limit fee that I would not be assessed another over limit fee as long as I brought my account back under the limit by 7/31, my due date, which I did. This third over limit fee has put me back over my limit by $23. They are refusing to remove any of the fees. Consequences: The fees now total $117 for $2.02.

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

I called today to try to get it worked out, but I kept getting customer service people that would not or could not help me (most of them could not even speak English well). Here are the transactions for the past 12 months: credit charges (my charges), $99.87; finance, late and over limit charges, $1,188.21; payments, $1,298.64. As you can see in the last 12 months, I have used less than $100.00 in credit, have paid over $1,200, and have had almost $1,200.00 assessed in fees.

I am averaging $100.00 per month in payments, am no longer using the card (I haven't since Sept. '08) and they still claim I owe them $2,700 on a $2,500 limit. My interest rate is almost 30%, but it seems to be much higher due to the monthly "fees". $39.00 over limit fees every month, finance charge of $55.00-$65.00 every month, late fee of $39.00 in most months, even though my payments are set up to auto pay 10 days prior to due date.

Since I have had this card (2 years), I have paid $4,423.64 for the use of $2,500.00 in credit. If I pay off the current balance shown, $2,733.00, I will have paid over $7,000.00 for $2,500 in credit, and I have made payments that are significantly over the minimum amount every month.

The beginning of July, I tried to pay the US Airways bill online (as always), but I didn't have an account with Bank of America any more. Surprise! An emergency required me to use the new card, but it was declined. When I called Barclays, they said that I hadn't paid my bill, so I couldn't make any charges. In the mail this week, I finally have a paper bill to pay against. Yeah! But Barclays has already been calling my husband's office to demand immediate payment of the full amount. When I tried to call them back was it at all easy to get through to set things straight? Lost in the phone tree, trying to find a human.

Consequences: a $39 late fee and bad credit is my punishment for Barclays poor job of taking over yet another credit card account. And they won't even let me cancel the account!

I called them again to explain that also my job cut some hours and that if they keep putting my interest so high, it's going to be very difficult for me to pay. I want to keep up with my credit, because I already did bankruptcy like 3 years ago. But after that, I was just great on my credit building, and now, they said that there was nothing they could do to help me with the interest rate I have and if I keep paying late or I'm still over the credit limit on this account, I would be increased with more interest rate. I want to keep paying my credit card, but the more, the interest, the worse it's for me. And they are not wiling to help me lower the interest. I hope you can help me somehow.

As of last month, they have still rejected the proposal and still will not give me or the MMI representative the reason behind the rejection. I cannot afford to make the monthly payments at the 27% APR they are charging me. I cannot pay off my card at this rate. I find it strange and unfair that every other bank and credit card company has accepted the program proposals except for Barclays. I have spoken with several representatives at MMI and they say Barclays has been doing this to most of their clients and no one has been able to find out why. I cannot pay off my credit card. I can only afford to pay $200 a month, but the interest charged on my account is nearly the same so my balance is going nowhere. I want to get out of debt and move on with my life and it seems that Barclays has no interest in helping. Of course not, it's how they make their money.

Nevertheless, the person processed the payment on June 5th-8th, which means that the money that was in my account to pay other bills bounced a service fee of $35.00 X 7 and hit my account. I called the bank and explained what happened. The bank gave me credit for two of them; they made notes on my account of what Barclays offered me. They said they would give me credit for the $109.71 that was extracted from account on June 8th. I told Barclays, "No, it is too late. $175.00 in overdraft fees were already applied to my account so you must pay me back the $175.00."

I sent Barclays a letter with bank transactions showing the payments and overdraft charges. The starting date was June 8th and papers were faxed. They told me they had to listen to the phone message to decide and I should wait 7 to 10 days, which I did. I spoke to several people about the situation, then expressed to Barclays that on Friday, June 12th, I could not pay several people because of the $175.00 overdraft fees that they created by not listening to me when I said more than once "do not pull the $109.71 until June 12th."

But no, they pulled it early, maybe thinking I owed them a payment. No, I did not owe another payment. I have stressed over this issue from June 8th until now. Barclays is not a card that anyone would want. I got the same response, "I'm sorry." Sorry cannot fix what you did. In between waiting, they gave me a case number to follow up, same thing, wait another 7 to 10 days.

I received a bill payment dated July 7th for the $39.00 over the limit fee, a service charge of $39.00 for spending $45.00 and a $10.00 fee for cash advance. Now, the account is running on a 29.99% interest. I called Monday, July 20th, to see what was going on with the account. They told me that the case was closed because I called the payment in. Their records will show that I always call in the payments. I said, "What about the phone conversation that you said you were going to listen to? They said they did.

Now, if they had listened to the conversation when I called in the second payment, they would have heard me say to the lady more than once "do not pull the money before June 12th" because I already knew I had other transactions that I had to pay with what was in my account prior to June 12th. Now, I have received another statement for a $39.00 late fee, $39.00 over the limit fee and the interest rate is now 33.53%. I called again and told them to reopen the case. I know what I told them to do with the payment for the 12th. You pulled it early and you owe me. Take the $175.00 and apply it to the statement for July.

And if this was a good company, you would have applied one of the payments to July. I have not sent them any payment yet because it is a chain reaction. I feel like so many of the customers. This company has messed me up so bad and I have good credit, but not for long. I am tired of this not caring, wait 7 to 10 days, then closing the case with no notification to the consumer - that I am numb.

Payments are now $289.73 for August and not $143.25 as before in July. I have all the proof to continue this issue with Barclays. Is there any advice that anyone can provide to me so I can pursue this legally without paying someone else to take advantage of me? I want to hear the phone conversation also, because I know exactly what I told Barclays to do. They failed to listen, they just get the money and call it a day. Thank you all for listening. Your help is appreciated.

I then gave them my debit card # so they could get this settled. Next statement comes again, return payment and late fee again! Now, I'm over my limit and my payments are now $300 and they used to be $88.80. Now, I can't afford this payment. I checked my bank account and the money was removed from my account, so I called Barclays. They said they did not get the payment. I told them it was on my bank statement and it was made. They put me on hold. After waiting some time, they told me they mixed up my credit card account # with my debit card account. It's still not resolved after three months and I refused to make a payment until they fix their mistake! They call me six times a day including weekends.

As you have probably already guessed, this never happens. They do not stick to their written policy that you do not make payments until the issue is resolved. Their contract also states that if you pay your bill every month, then no interest is charged. They did that to me every month for 4 months before I figured it out. The representative told me I have paperless statements and flatly refused to send me "paper statements." If anyone knows where I can complain and get action, please e-mail me. Does a department of the FDIC regulate these low lives? Any information from anyone would be greatly appreciated. I may have to write another line for the old saying: Fool me once, shame on you. Fool me twice, shame on me. Fool me thrice, get me a psychiatrist.

I cannot keep up with the payments. I’m severely depressed and am on multiple medications for depression, anxiety, and muscle spasms in my neck. The stress of this matter has caused a lot of tension in my life. I suffer from insomnia thinking about this. I was recently told by my MD that I need to find a clinical study to replace 2 discs in my neck. My chiropractor told me that I can no longer sit in front of my computer for more than 30 minutes a day to stay out of excruciating pain. I had begun an online business, and I can no longer produce income without this. I feel like a fool for falling for Barclay’s scam 3 times.

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

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

Meanwhile, Barclays has been calling me regularly. First, they said that they declined the "proposal" because it was only $113.00/month and not 2% of the unpaid balance (The unpaid balance was $5,668 (2% of which is $113.32). The collection agent said that the proposal would be accepted if resubmitted with a monthly payment of $114.00.

My debt management company resubmitted the proposal for $114.00/month. Barclays called again -- said they could not accept the new proposal because I was in their "program" -- by their action (I never consented) at $119.00/month, for one year, after which they would "re-evaluate" my account. This is classic "bait and switch" 1. They have accepted my payments for four months (This, to me, this is acceptance of the original "proposal") 2. They "enrolled" me in their program -- at a higher interest rate and a higher monthly payment -- for one year -- with the renew at their option and sole discretion. 3. The harassment calls have started -- before 8AM, after 9PM, on weekends. 4. They have started applying over limit and late payments penalties that approach the minimum payment on principal. This harassment has been bad for my wife's declining health.

So In February, my payment was due on the 11th. I had been out of town on an emergency and did not make the payment until noontime on the 12th. I was charged a $439.00 fee and they raised the interest to 14.99%. I called and complained. They agreed to remove the fee but not change the rate. I talked to a supervisor who told me to write a letter to state my case, which I did. They put the rate back for one month and then turned around and raised it back to 14.99% the next month.

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

My credit score is 856. I think that Barclays is a little concerned that they run the risk to lose money with me and I think I have to do them a favor! I will cancel my credit card tomorrow and get a card from Citi Bank. I can only recommend that every customer of Barclays who is in the same situation should help them and change their credit cards. Good luck, Barclays!

An account manager came on the line and asked me to give him a minute to review my records. He said he thought that was a bit too much and since I have never been late, as a one-time courtesy, they would drop the extra charges and lower my APR back to 11%. A few days later, I started getting several calls a day telling me I owed $115 due now! I explained what the account manager had said, and they totally denied it. I have to pay $150.00 a month for 6 months and then ask if they will lower my APR.

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