Complain about a product or service

Barclays Bank/Juniper Financial

James of N.Augusta, SC September 16, 2009

Barclay Bank issued a credit card with the name West Marine. I paid this bill on a current basis until I incurred financial problems. I called Barclay Bank several times in an attempt to lower my intrest rate which they would not. I was aslo charged a over the limit charge also. When I spoke to a rep. I was informed they had no procedures within there organization to accomodate my request,and couldn't help me, but did provide me with the name of a credit repair agencey in my area, which wuld have cost me 500.00.

As a result of there lack of concern to assit at my time of need they canceled my credit card after I paid it off . As result of Barclay Bank failure to lower my payments and intrest rate I was forced to borrow fom my IRA.

In dealing with Barclay Bank I feel they deliberatly refused to work with me in an attempt to help me at the time of need. What I found very interesting was a Bank of that size had no inside department to assist a consumer in need. I feel based on my experience with Barclay Bank, they worked within the banking laws and has no intentions to help consumers when they fall upon bad times. If in your opinion they are defrauding the public something should be done about it.

As result of pulling from my IRA I have lost suffient future growth in my retirement acct. ( Im currently retired) They have aslo reported to the three credit agencies of my delinquent payments which has greatly reduced my credit score and the ability to apply for credit without paying a higher interest rate

Jennifer of san anselmo, CA September 16, 2009

After having my card available balance lowered without my knowing I went over balance by a small amount. I tried to pay off the over the balance and bring it current for the past 4 months. No where on the statement can I tell the correct amount to pay, because each time I pay it is not enough. Asking the representative doesn't work either. Each time I pay more and still continue to get charged an over the limit fee. I am at a loss as to what to do and I am being ripped off. This is clearly a fraudulent credit card company. After researching online I am now aware that many others are having the same problem. They will ruin my credit if I don't pay them?

John of Denver, CO September 15, 2009

I inadvertently short paid my bill by 90 and was charged 38.28 in interest or 42% for one month. I paid the bill way before the due date. The live operator said they cannot (would not) waive any finance charges. Forced to pay huge interest with business has clearly no interest in their customers. Frontier Airlines and this Barkely should be ashamed. I've been a loyal customer to both of them for year.

Judith of Tipp City, OH September 13, 2009

I received a letter re an account with numbers. I have no such record of said account. i called them and got an operator she wanted my SSN and my mothers maiden name. i refused till she told me more about my account. she said she could not do that with out the above info. was I right? never heard of barcla bank. so I was afraid to go any further and hung up.

Perla of Plantation, FL September 8, 2009

Barclays sent an letter notifying that my account will be increased to 30.24% Nov. 1, 2009. The reason is due to economics condition which had nothing to do with any late payments. I did not accept the changes and consequences was to close the account. My APR was 6% beginning 2 yrs ago and due to one over the limit it went up to 25%. This is an abuse to the consumer

Brigitte of San Mateo, CA September 8, 2009

I opened this platinum account with Juniper in March of 2007. At that time the "come on" was 8.99% APR fixed interest rate on purchases and balance transfers. I have always paid on time with more than the monthly payment due. I have never gone over the limit and have always been in good standing with this account. Now they sent me a opt out letter stating that my account as of November 1, 2009 APR will go to 14.99% with an APR for cash advances of 21.99%.

When I called for an explanation I finally got to speak with an agent after two days and three phone calls later. I was given some blah, blah, blah about the new federal law allowing the banks to do this. I was then told that the cost of maintaining a non secured loan has gone up and that is why we need to raise your rate. I then asked if this new APR would be on future purchases or on my current balance. I was then told the new APR would apply to my current balance as of November 2009 including charges made from the beginning of 2007.

How can this bank get away with charging a different APR when our contract was for a fixed rate on purchases and transfers? How can this bank change the terms of our contract but I can't? They suck people in with this low fixed APR and then they jack up the rate even when your account is in good standing.

I expressed my displeasure at this and wondering why my previous balance would be affected as I had a fixed APR of 8.99% for almost 3 years. I told them I would be reporting the banks greedy behavior towards their loyal and good customers. I was told that I could report them and OPT OUT if I didn't want to pay the increased APR.

Susan of Muskego, WI September 4, 2009

I settled on my credit card with Barclay's in December of 2008. The settlement was for 2266.00. At that time, I only had 1900 available so they took that from my bank and were supposed to take the balance of 366 in 30 days. That didn't happen so I called and called to get it resolved. By then they said I didn't close the settlement within the alotted time even though it was their error. I finally got someone to listen to me in April and they withdrew the remaining 366 and promised me it would be closed. That didn't happen and the phone calls started. I told them I refused to settle with them again. 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 spoke to anyone about another settlement. My credit is being demolished and no one at Barclay's will even give me a second thought or listen to my story. I filed with the Better Business Bureau but still haven't heard anything.

Helen of Nottingham, United Kingdom September 3, 2009

About a week ago Barclaycard began phoning my mobile with automated calls asking for a person who was not myself, stating that it was important they contact regarding their Barclaycard account. I ignored the calls at first, but after the first day I began recieving the calls around ten times throughout a day. Barclaycard continued to phone me from 8am during the bank holiday weekend. Soon they began to leave voicemail messages; not only automated but sometimes a person caller.

I then started to recieve threatening text messages (as well as the calls and voicemails) 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 yrs.

The branch rang customer services who were unable to match the name of the person (that was stated in the voicemails 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 recieved a further 4 calls and 2 voicemails. I find Barclaycard customer services unhelpful and this level of harassment unacceptable.

Chris of Boca Raton, FL August 28, 2009

I had a Barclays Bank/ Jupiter credit card issued for SPIRIT AIRLINES. Seveal times I wanted to use the card and when it was presented to the merchant it was refused due to reasons unknown. I called the bank and asked why the card was refused. The bank informed me that it was because I was out of the country and they could not be sure I was the one using the card. I told them I had not had a problem prior to this time using the card as I travel often and use the card outside the U S often. They assured me it was taken care of and I would not have any more problems. The next day the same thing happened. I again called the cusomer 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 suffecient to allow the issuence. NOTHING has changed since I orginally applied for the card. I truly believe the bank will not reissue the card because I cancelled on them.

BERNARD of BREEZY POINT , NY August 28, 2009

i keep getting phone calls from various individuals mostly foreign who are very difficult to understand and keep asking the same questions--- after arrengements are made some one else calls and starts all over just to ask the same questions--I REFUSE TO SPEAK TO ANYONE ELSE FROM THIS WRTING ON FOR FEAR OF IDENTITY THEFT so please quit the calling,read the reports if they are writen and see that 75.00 is paid monthly on or about the 6 of each month--there is no more to be gotten.telephone calls will no longer be answered only direct mail or e-mails---please stop the harrasment ...

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