Barclays Bank Reviews

I understand the credit line cuts made by Barclay against Juniper accounts. Barclay is not a US bank but are targeting US customers to clear the amounts needed to open their new branch bank in Pakistan. They've cut my credit line twice, first saying my debt to limit ratio is too high, then they cut it a second time saying my use of the card is too high. Perhaps they should tell the truth about why they need the unused credit lines. Barclay is in bad shape, they are doing creative accounting to make it look like they have more assets than they actually do. Do an internet search on Barclay's closings and openings to see what the truth of the matter really is.

Also as others I have had my balance reduced and was never sent a letter as they claimed they sent. As a new customer, luckily I have not charged a high balance which I plan to pay off and never deal with them again. This does seem to be a scam. I will not do business with them again. People should be warned!!!! Received returned convenience check fees and also fees from my bank as a result of this. Terrible customer service. It took 10 phone calls to get to the bottom of what happened and you can forget speaking to a manager. They will not refund any fees saying I am liable.

Same as many stories above. Around December, my $7,500 revolving credit limit was arbitrarily lowered to $1,000. This caused an unbeknownst going over my new limit. I have a perfect record as a great customer with this credit company but they did not notify me of this change in my account. FDIC laws require a 15 day notice before any changes to your account. Barclays is severely breaking US and financial laws. One of their customer reps said this happened to over 100,000 credit card customers.

When I first applied for the Barclay Card it was an application obtained from the Barnes & Noble store in Bloomington, IL. It had a real nice APR rate and I did not think I'd have any problem with this credit card company. I used the credit card to make a payment for yard renovations and in this process I unfortunately was not satisfied by the end result of the work done by the contractor. Had I wanted pasture grass, I could have done this myself.

I attempted to use my Juniper card on the weekend following Christmas while traveling. It was declined! I knew I had a balance that was less than 1/4 of my limit, so I called the company after the weekend. They said I had already been notified by mail of the limit reduction. I advised them that I had not and that I was extremely embarrassed because of the decline! They said that they had reviewed my account and that since I hadn't used the credit, they were reducing the limit to make more credit available to others.

While on a Carnival Cruise about 3 years ago we signed up for a Carnival Sea Miles Barclays credit card with the incentive that we would accumulate points or miles toward a free cruise. For the last 3 years we have exclusively used this credit card for all our credit card purchases. Over this period of time our credit limit was increased to $18,000 and the highest balance we achieved was about $8,000. We have always paid on time and much more than the minimum payment. Over the last year I have always paid off the balance. We have not abused the card. Both my wife and I have outstanding credit records and have been around for a while.

A credit card was opened in my name without my knowledge or written authorization by a family member while I was deployed to Iraq. Payments were made on time, one payment was processed late so now the card that I don't even have is at the default rate of 29%. I tried to fix the issue with Juniper and they treat me like the criminal and they say I am still responsible for the account.

I got a US AIRWAYS DIVIDENDS MILES MASTERCARD 0 percent interest rate to pay off my 20.99 percent Oregon Community Credit VISA Card. I called to find out the balance and indicated what I was doing. The representative from VISA said this was fine. I sent this check 21 days before the bill was due. I got a call saying the account was past due. I said that I sent the check well in advance. I was told that I could not pay Oregon Community Credit Union card with the MasterCard. I wanted to know why I wasn't informed of this before I was charged a late fee. I could have sent another check. I have requested to speak to a manager 4 times. The answer is the same - there is a late fee. In addition, I told Barclays that I have not received a statement on my MasterCard. They said they sent it via email and this I should check the trash. It is not there. I have requested a paper copy, but I have sent a payment well in advancement to avoid a late fee since I believe the statement will be delayed.

I made a online payment on this card and later pulled my account up to see no payment had been posted. Called before a late payment posted and they informed me that they could not reverse the late payment fee that I would be receiving. I feel like this is a scam. I know I paid this card on time. So after asking to speak to a manager, I was hung up on twice or just disconnected. Until now, I had never missed a payment. So I receive a late payment fee and with this charge an overlimit fee. Even though I paid this card immediately upon finding this out. My second payment has yet to post to my account.

I pay my bill every month and timely. They have been withdrawing money from a bank account that I no longer have or used at the time they withdrew unauthorized amounts. My bill was nowhere near a $500 limit, but now it exceeds that. They have added late fees $29, return fee $39, overlimit fees $39, fictitious purchases (every month!), service charge of $107 and finance charge of $12.40. I have not used this card since June or July. It has been quite a while. How can a small balance explode when you pay your bill every month and don't use the credit card? Something Stinks real bad. They will say that it is valid, no matter what I say. I am a struggling woman whose husband left and I cannot even pay rent or buy my own food. Why am I suffering so! Is this world that greedy? Please help me. I tried to talk with a higher manager and was not permitted to do so. Why do they keep putting me through this?

They claim we have account with them and I asked them to send me all the information regarding when this acct. occurred and what was purchased and they will not do so. They keep saying they must have my s.s.# and I refuse to give it being I do not have an acct. with them.

I've never had a late payment with Juniper for the entire time I've had the account. My due date was October 7th... I logged onto the Juniper.com website on 10/7 to pay my bill at 8PM. I see that it says any payments made after 7PM will be posted the following day. I call customer service and they refuse to waive the late fee charge. Their statement says my payment can be made on October 7th. It gives no indication of a time limit. It's fine that it's posted the next day; however they need to take into account that I *MADE THE PAYMENT* on the due date which makes it ON TIME. I have read similar stories online and I believe that Juniper should be sued via class action lawsuit on behalf of all of its affected customers. I hope that Consumeraffairs.com can help.

Juniper credit card recently changed my payment cycle. There was no notice sent, only stated on top of a recent bill. I called to ask, what changed? Since there was no explanation. They changed me from a 30 day cycle to a 25 day cycle. I wrote the FDIC to see if this was legal? Have not heard a response yet. I had already reported them when they raised my interest rate to 20.9% because they claimed my credit score dropped due to more incurring debt. Yes, I incurred more debt. With them. I was foolish enough to use their credit card and the increased limit they generously gave me since I was a valued customer. It was a bait and trap. A fraudulent, unethical practice but FDIC said it was within their rights or legal to use credit score as a reason to raise interest rate. Even if the lowered score was due to owing that same cc company that used this new score as an excuse to raise your interest rate.

I have a card at a fixed rate of 8.99%, and my payment over the Labor Day weekend wasn't processed until the next banking day 9/2/08. The payment was due on 8/30/08. Due to this, I was assessed a late fee, and my interest rate went up to 16.99%. I called Barclays to get this reversed, and they are adamant that they are unable to help me with this situation. I have never had a late payment with Barclays/Juniper. I feel this is excessive.

Because of a insurance charge which this bank sold to me my account went over the limit by $2.00. For that they charged me a $39.00 over the limit charge and then without notice raised my rate by 4% causing the next month to be over the limit so they charged me again.

I am having credit card of Barclays. They charged me priority circle fees of Rs5618 without my confirmation and now from last 25 days I am struggling to get it reversed they are not at all eager to do so. I am getting collection calls at least ten time a day even when I don’t have single penny due. I don’t know what to do. It is simply harassment. Please suggest me something.

This is Adinarayana **, has been using Barclays Credit card from January 2008. In the month of August 20008 total outstanding was INR 27694/- and due date was 8 of September. I was made a payment of through online INR 27000/- on 5th of September 2008. It was reflected 7th of September 2008 on bank statement. Remaining INR 695/- I did not pay still yet. In the October 2008 month statement Barclays Bank charged DEBIT INTR INR 1360/- + Service tax INR 168/- total:- 1550. They charged extra on October month statement, it showing. The due date was 8 of this month. What I will do for this issue? Already I raised request Barclays customer care and I was send complaint mail to service center also. They did not reply still today. Please help me for this issue as soon as possible. Thanks & regards.

Have 2 credit cards. I didn't know they were both from this crappy bank. I received late payments on both cards in the same month when I mailed both checks 1 week in advance. Other checks I mailed on the same day to other credit cards posted in 3 Business days after I mailed the checks. They did not post for 8 business days (until it was late). When you call (don't bother), they will not listen and will not reverse the $39 charge or Interest rate hike. Also I sent another payment and they received it on time and they sent the Check back as Illegible. There was absolutely nothing wrong with the check. I sent a new check immediately and they posted it and charged another $39 late fee and rate hike. When I called and told them I sent a check on time, they would have none of it (They did have a record that they returned the check). Guess what, another late payment charge and Interest rate hike! I suggest if you have a card from this company CUT IT UP and Call them and CANCEL ASAP before they ruin your credit.

I left it in the envelope, and never tried to activate it. I never received a bill or a phone call, but found an e-mail from card services stating that I was past 90 days on a membership fee and now owed $150.00 and that they reported me to the credit agency. I thought it was a scam, but called them and I told them that I didn't apply for that card and didn't want the card and that I beleived it was cancelled the day I opened the account. They told me I had to prove it, they had a note that I had called but not that I wanted to cancel the card. I told them that I didn't activate the card, they said it doesn't matter, I still owe the money and my credit has been reported. Can they really do that, or do they have to follow some kind of rules or regulations?

She said that there is fine print that explains the proper way to close my account. If that is true, why did the customer service agent accept my request to close the account? She said she would reduce it to $151.01 but I told her that I am not giving them a dime. She then told me that if I try to call Juniper, they will simply route the call back to the collects company again. They won't even talk to me! I know that there are so many other people out there who have experienced this same thing. Just one google search revealed many many victims of Juniper. Something needs to be done. I know that in the end I can't just refuse to pay it as it will affect my credit, but this is a debt that I do not owe.

To whom it may concern, I too have been cheated by the (Juniper Credit card company). I requested my account to be closed, I paid the bill off and I thought it was closed. The next month , Juniper said that they mailed out a statement for $3.00, I never received this bill, I did not pay it because I didn't know it existed. Now they want me to pay $42.00 for a $3.00 bill. I feel that Juniper witheld the bill so that I would be charged a late fee. This is a scam, and I want the world to know a bout it.

I applied for a signature card offered by Barclay Bank of Delaware. I was told by AirTran Airlines that I would not be billed the annual fee of $49.00 till I use the card the first time. A few days ago, I received a bill from Barclay for $59.00, and I have not even activated the card yet, far less more to use it. They never called to see if I received the card, and the fact that the card was not activated should cause them to wonder if I even received it.

This company continuously calls my house looking for an individual that I have never heard of. No matter how many times I tell them that this is my number and I have had it for 5 years now and to please remove me from their list. On Sunday, Sept 14th they called my house 13 times, 3 of which I spoke to someone different, at first I was told that the company name was BJ's Consumer Conversion and that the manager I was speaking to was Ferrel (woman). After the 4th call in a row I called back the number and reached a woman that said the name of the Company was Barclay Bank out of Delaware and when I gave my number she said that there was a note in the computer that it was a wrong number, however that I to get my number off the automated system I would have to send in a fax. I told her it was her problem and to get me off the list.

This is regarding my account with Juniper Bank for about 3 years and my husband was added when I got ill in case my children needed anything (second marriage). Well I aske them to remove him about 2 years ago because I did not know this acount would show up on his credit. They assure me this was done and this year my husband decided to file bankruptcy and they ran his credit report for the court trustee and there is Barclays.

I applied for this card to transfer a balance at the advertised APR of 11.99%. When I received my first statement, my balance had indeed been transferred but at a rate of 28.99%!!!!!! I have a credit score of over 700! This is extortion! I was never asked if I would allow the transfer at the ridiculously high rate, they just did it and now I'm stuck. Unreal.

On Jan. 22, 2008 I purchased a roundtrip airline ticket in the amount of $130.50 via the Internet. This was at a reduced price if I acquired a new Free Spirit Master Card, which I did. On May 9th, I received the 1st of any kind of statement from them via e-mail for the amount of $267.30, which included $130.50 for the airline ticket, $39 for the Free Spirit Master Card, and $78 in late fee charges and interest. I've called and written numerous letters regarding these late fees to no avail.

A late fee like this one charged by Barclays of Delaware seems abusive. It seems a good way to collect the $79. initial fee without providing service, because I would expect most people would react as I did and close their accounts, so they collect both the membership fee and the late fee.

To make the matter even more interesting, when your request to speak to a representative, you get hung up on. When you do get the a representative, they say there is no problem. So, why are they calling? I have closed my account with this company, and am going to pay this as fast as I can. BUT, word to the wise, avoid at all costs. They are definately playing dirty. I am paying fees that I got because I was decieved about my credit limit. They, also, do not post your payment on time. Harassing phone calls are common, too.

UNSCRUPLOUS NETWORK OF FRAUDULENT BEHAVIOUR of AOL - BRITISH TELECOM-BARCLAYS BANK. Acknowledgement of Cancellation of AOL Broadband services email dated 26.4.2006. AOL Talk services were also cancelled since I do not have a land telephone line. In October 2007 I informed British Telecome that with effect from Jan 08 I would cancel my telephone line. Hence since Jan 2008 I have not had a LANDLINE. However, AOL are still deducting DIRECT FROM MY BANK ACCOUNT for a dialup service which they insist I use. They fraudulently deduct monthly payments for AOL TALK. AOL & BT are directly ILLEGALLY deducting monies from my account both insisting that I use their services. That is the professionalism in the UK by BT nowadays.

I have applied for Personal Loan at Barclays Investments & Loans (India) Ltd., whose Application No. is fully equired and validated.and it was about to be sanctioned. But at that time Customer Relationship Manager of the same bank & branch had asked me for a bribe. And when I declined to give the money he warned me that he will decline the file i applied for. Its my humble request to kindly re investigate on my file from any other branch or by any other Customer Relationship Manager and sanction the loan I applied for. thanking you in anticipation.

I did a new balance transfer. They had a box pop up that stated: Special Balance Transfer Offer! 0% until August 1, 2009! The ad stated, Receive this special rate when you transfer a new balance before September 14, 2008. I transfered my Home Depot balance of $5,021.23.

I have received a credit card from barclay bank of 09/2007. from which i have used for some. I have received this statement from two month later with 300 rupee late fee then I have to talk to customer care but they have not correct it .I have make some payment in between this period without receiving statement.

Barclays Bank PLC credit card co. charged me wrong charges. They not gave reverswal for these charges. Financial loss approx Rs1500. Thanks.

i opened up a juniper mastercard one year ago. i had an 8.99% interest rate. I evidently went over my credit limit and contacted them immediately saying that to avoid the fee associated with this overlimit transaction, please do not allow any purchases to go through if it goes above the limit. This is true with all my cards. I do not have to call them, it is automatically done. If i don't have the funds in the account, the transaction does not go through.

This credit card company is using predatory lending. They are not posting payments timely upon receipt, they are finding ways to charge overlimit fees and then they bill on a statement overlimit fees and then before you can even bring the account below the limit before the next statement cycle they charge you another overlimit fee for the same overlimit amount from the previous statement. Their online system does not update timely, thus indicating to consumers that they have a credit line that is not accurate. There customer service will not work with you to remove any unauthorized charges. Then, because of the problems that are not a fault of mine, they jack up the interest rate without even investigating anything!

This bank has charged me $29.00 for an overdraft fee. unpaid amount was .30 cents. They have consistently refused to credit the amount of OD fee and would rather close my account. This is unjust enrichment over .30 cents. From the comments is is clear how they operate. They are a British bank who issues SLV, a silver EFT (electronic funds transfer) which probably doesn't have the silver they claim, but sell sell sell. Like fractional banking. Banks loan out funds they don't have. Post all the cheating banks. The company refuses to credit the $29.00 overcharge.

1st problem was my first payment in which I was 1 day late because according to my Wau Mu bank account the payment was made. I then checked with my Juniper account and saw that it wasn't so I paid it immediately. They then charged me $29.00 late fee and refused to allow any customer care to delete it.

World Master Card charged my account $129.99 for a service from tlg id secure. They indicated that they would not dispute the charge because they have a relationship with tlg id secure. When calling tlg id secure they indicated that I cashed a check for $9.99 which gave them approval to charge me the 129.99. WRONG. I never cashed such a check! FYI: World Master Card is associated with Barclay Bank

I'm not sure at what point it happened but my intrest rate has crept up to 32.99% and been there for at least 2 or 3 years. I beliebve I had a late payment by lest than 5 days and went over my credt limit once or twice. I've recently reviewed my account for the past 18 months and noted that I have not been over the limit or late in that time. I called Customer service's non toll free number to request a lower rate due to my good history. They lowered me by 2%. so that puts me currently at 27.24%....still pretty high.

My credit limit is $400.00. Every transaction I attempted was declined. I tried to pay $200.00 online to my CPA for the completion of my 2007 tax returns. The charge was declined so I tried again, and it was declined again. I also tried to pay $11.85 for my puppy's doggy daycare, and my card was declined. My balance on the Juniper website showed only $155.00 (approximately) as an available balance. I called customer service to see why this was the case. They said all of the declined transactions went through on their end. I requested proof, but they told me it took 4 days to go through (another rep told me 7-10 days).

I have a problem with the fee I have been charged. I have reached my limit of 2500 and before I could make another payment,I went over because of service charge. I was charged $69.07 and on top of that, $39 for over the limit fee. This is rediculous!! Now my bill went up tp $1608. They want me to make a payment of $95. If I do that, I will still be over and will be charged $39 again and again. I would have to now pay over$100. Before I make another payment, I would like to know what to do.

I started using this credit card about a month ago. I was waiting for a statement it never came in the mail, I called to find out why I had not recieved a statement so I can send in my payment. The person on the phone informed me that they had set up an online payment for me so I can pay online. I informed him that I never agreed to any online payments, that's how you get your identity stolen, I need physical statements in the mail.

This is a perfect example of a bank not posting my payment until after the due date - two times - and charging me a $39.00 late fee each time. With the late fees it made my account overlimit and I was charged two overlimit fees of $39.00 (all totalling $156). These 2 checks were mailed a week before the payment was due - and it took them over a week and AFTER the due date to post my checks resulting in late fees - funny because my last 3 checks mailed were sent a week before the payment was due and those checks were cashed in 3 days - why weren't the other ones cashed in the same manner?