Complain about a product or service

Barclays Bank/Juniper Financial

jesse of San Diego, CA August 26, 2009

I received an offer for a low promotional interest rate loan for balance transfers. I called accepting the offer on the phone on August 14,2009. The order was processed. Then my Frontier Master account ( BarclayCard group) showed a balance of 10,199.00. I called them saying that the balance transfer or the cash never arrived. They said that the cash will not be put into my account until September 1, 2009. I asked how can you say i have a balance in my credit card when i have never received the money. Also, how can you charge me interest on money for that many days when i have not received the money. They said that was there policy.

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

Pat of Bradenton, FL August 23, 2009

I've had this card since 2007 & at that time & up until two months ago my rate was 8.99 on the card then without warning it was raised to 14.99 with no explanation. I have never been late with a payment & have never owed more than 1100.00. Most times I pay the balance off at the end of the month but when I don't I pay much more than the minimum required payment. My card had been indicated to expire in 7/2009 & when I hadn't received a new card by the middle of July I contacted them & was told "in an effort to get me to use my card they had mailed a new card to me in 11/2008" this to me made no sense since it was more than 6 mths ahead of schedule. I had never received the new card so I asked them "didn't they think it was odd that I never activated this new card ?". They had no response to that.

When I received the new card 3 weeks later I noticed there was no 800 # sticker on it to call to activate the card which I found unusual for security reasons. My true complaint is that Barclays/Juniper partners with TransUnion & on my online statement it shows a 'trans risk score' of 655 when I questioned Barclays/Juniper on this they refer me to TransUnion who in turn has no complaint line for this issue. I told Barclays/Juniper I am a member of Equifax & my FICO score with them as of 8/2009 was over 700 & that I wanted Barclays/Juniper to reflect that score since I feel they use 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 & FICO score when I went on the Equifax site I saw something from Barclays/Juniper showing my balance increase 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 & have been so dissatisfied with this card issuer 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 & I didn't want my FICO score to be effected by an inquiry but I feel I've had enough from Barclays/Juniper & I have reached the end of my rope with them & 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 & have always paid my balance off in a short period of time but obviously that doesn't matter to them & I guess it's because they make no additional money from me.

John of Brentwood, NY August 23, 2009

I have a Carnival Seamiles Credit Card issued by Barclays Bank. The bank reduced my credit limit/line enouigh to cause my balance to exceed the limit after adding the finance charges. they then skyrocketed the interest rate charged to 29.99% APR. I cannot believe in our country that this could be legal. Is this not usury? Let me know what I must do to bring this company down and restore sanity, is there some class action forming somewhere? Please advise! Thank you,

Bonnie of Wayne, NJ August 21, 2009

Juniper made payment arrangements 3 months ago (May 09) in order to drop an "over the limit" fee of 39 they kept charging each month for at least 8 months at that time. The OTL fees were illegally charged in the first place since the account was CLOSED. They did NOT explain "what happens" after 3 months was over, only to contact them then for further information. The arrangements worked out well and all I simply want is to continue the arrangements. I called Juniper on 8/11/09, spoke to a representative stating the arrganement should "automatically" continue. However she was not able to confirm this and told me to call back "next week" which I did today, 8/21. Today I am told they will not continue, NO explanation given. From the beginning this company has been giving me the run around, lying,not providing notifications, not answering questions, hanging up on my calls, etc, etc. and illegally charging me, until the 3 month arrangement was made. This must be addressed and resolved!!!

Glenn of Rochester, NY August 18, 2009

I was charged for an over limit that occured sometime during the month. When I called the woman was rude and said that I have a responsibility to manage my own account. They note an over the limit and immediately charge your account 39.00. For the records, I was over 0.11 and they charged me 39.00.

Marietta of San Jose, CA August 16, 2009

I am being charged an overlimit fee because finance charges they imposed on my bill. I am being charged this fee again because of the timing of their cycle in which does not correspond with the due date forcing me to go above my limit again.

IU am not sur it has anything to do with anything. Howeer, this seemed to have happened after collecting a 100 cash advance. I am not able to sort it out with clerks and supervisor. A return call was never received and no messages were left.

Carolyn of Egg Harbor Township, NJ August 7, 2009

Bank constantly changes there little "cycle dates" and due dates in order to purposely assess late charges and over the limit charges. Also double over the limit fees within the same month, explaining that you have entered another cycle (in the same month before the due date of min payment) they make agreements and do no uphold there end of the agreement.

larry of denton, TX August 6, 2009

Out right lying. Applying late and overlimit fees when none should apply. I call and they say they have removed the fees but nothing ever happens. I don't see how they can continue to be so fraudulent. Still ongoing. I am going broke trying to pay their fees so I can stay out of arears.

John of alpharetta, GA July 31, 2009

There is a serious problem with the fees I have been charged. I have asked continuously for the past 6 months if you would stop charging the over limit fees so I could get this account paid off, however the fees keep getting billed, even though I am making regular monthly payments.

I have not used the card since September 2008 and pay monthly, yet because of these fees I still am over limit. 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 & overlimit 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/mo in payments, am no longer using the card (I haven't since sept.08) and they still claim I owe thme 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 overlimit fee every month -Finance charge of 55.00-65.00, every month. -late fee 39.00 - 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.

Lynn of Colorado Springs, CO July 29, 2009

My son had taken my credit card without my permission. I called Juniper as soon as I realized it and asked that they cancel the account. Two hours after my phone call, another 200.00 was taken. to top that off, Juniper kept sending me "replacement" cards WITH THE EXACT SAME ACCOUT NUMBER as the one I had cancelled.

It turns out that even though they admit they have a record of my phone call, 2 hours before the money was taken, the account was not canceled. It took two more phone calls to get this done. Now, 4 months after the fact, they have charge by account for the 200.00 cash advance that would never have been taken had they canceled the account! They also reduced my credit limit from 11,000 to 7650, which put me over my credit limit and they have just increased my interest rate from 8.99% to 13.24%.

This is deplorable! I have made all of my payments on time and have paid much more than the minimum. I am a victime in this situation, and Juniper is punishing me for doing the right thing! This bank should be brought up on charges.

Report Your Experience
If you've had a bad experience -- or a good one -- with a consumer product or service, we'd like to hear about it. All complaints are reviewed by class action attorneys and are considered for publication on our site. Knowledge is power! Help spread the word. File your consumer report now.

Share		Follow us on Twitter.