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Lisa of Augusta GA (06/06/08)
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!
I have lost about $200 with this company and they have already advised me, after posting an overlimit fee that is again making my account overlimit that they will be charging another overlimit fee on the next statement. I WANT TO FILE A CLASS ACTION AGAINST THIS COMPANY.
Doug of New Port Richey, FL (05/19/08)
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
Elissa of Plattsburgh NY (03/12/08)
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).
In the meantime, I either double paid or did not pay my creditors for services. My CPA's payment was submitted on 3/8 which was 4 days ago; as a result, this transaction should have cleared by now. The rep changed her story to 7-10 when I told her what Ben, the other rep, claimed about the 4-day rule for pending transactions. Also, when I asked to speak to a manager, Annie (#4833) hung up on me.
My tax returns will not be submitted to the IRS, NJ or NYS by the date I anticipated as a result of the payment to my CPA not clearing. My tax refund, which I should get in 10 days from submission to the IRS, NJ and NYS, will not be delivered as anticipated. I am a student at SUNY Plattsburgh, and I was counting on my refund to pay for my March and April tuition payments. Since my March tuition payment will be late due to the delay in my tax refund, I will have to pay late fees and other administrative fees to my university. In addition, the decline of the credit card affects my good standing with organizations at which I do business.
Raymond of Whittier CA (08/24/07)
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. So I asked him what their address was so I can send them the money for that month right away. I send the payment next day for them. If I had not called the card I would have not known that these people did this and I still would be waiting for the bill. Of course the bill got there 3 or so late because I had to find out were the bill was, and send it next day.
Diane of Sharpsburg GA (08/13/07)
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? I know they personally held those first 2 checks until after the due date to add on late fees - overlimit fees and then they jacked up my 8.99% apr to a whopping 24.24% - I contacted the BBB numerous times to no avail and I received a letter from the above mentioned person saying they were not refunding me my money or lowering my apr back down.
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