Complain about a product or service

Barclays Bank/Juniper Financial

cynthia of athens, OH July 28, 2009

Regarding the USAirways credit card that used to be held by Bank of America: 1. I always had an automatic payment sent to Bank of America to avoid any late charges. 2. Then Barclays took over. New cards arrived in the mail while I was out of town. They could only be activated by my home phone or online--but I didn't know the account number since it was in the mail at home!

3. The beginning of July I tried to pay the USAirways bill online (as always) but I didn't have an account with Bank of America any more. Surprise! 4. 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.

5. 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. 6. 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...

Lydia of Cutler bay, FL July 27, 2009

Hello Iam a single mom and on Dicember 2008 I got behind on my payments for about 2 months.. From 8.99 of interest it went up to 22.99 of interest I called them and explain to them that I live with my room mate and she had lost her job by that time, but on January I would get my income tax and I would be able to be current on my payments on this account they say ok but still could not help me with the interest but I put my self back up to date on the account and now last month I went over my limit by mistake and because of that they charge me a fee of 39.00 dollars and also my interest went up again but this time it was up to 29.99 of interest

I called them again to explain that also my job cut some hours and that if they keep put it my interest so high is going to be very difficult for me to pay, I want to keep up with my credit because I already did bank rupcy like 3 years ago but after that I was just great on my credit building up and now they say that there is nothing they can do to help me with the interest rate I have and if I keep paying late or Im still over the credit limit on this account I will be increase with more interest rate I want to keep paying my credit card but if more is the interest worse is for me and they are not wiling to help me to lower the interest I hope you can help me some how...

Christopher of Kissimmee, FL July 27, 2009

Overlimit fee of 39.00 charde in May because the account went overlimit by 85 cents. Called bank asked them to remove fee, they declined and I closed the account. I had protection plus which was a monthly insurance plan on the card and asked the agent if it was closed automatically or did I have to close the account. She told me that it would automatically stop and there was no further action required on my part. Next month the fee did charge to the account and the account went overlimit again, even though I paid enough to cover the normal finance charge and fees. I called again spoke to a supervisor who informed me that I was mislead and that if I canceled the account protection they would refund the second fee when i called back and informed them it was canceled and he would note my account to that effect. I called them back when I canceled the account protection only to be told there were no notations on the account and that they would not reverse the charges. I wrote a dispute and they wrote a form letter back and said they would not reverse the second fee. A third overlimit fee was incurred as a result this month.

Richard of Montgomery, TX July 24, 2009

Had US Airways credit card with Bank of America, and I call to ck on it and they tell me that they no longer own my acount that Barclay bank owns it. I have not recieved a bill this month and I call Bank of america to find out whats going on as I pulled up statements and last mont I owed 88.oo monthly payment and sent 300.00. This month I don't get bill don't notice I didn't recieve bill as I always pay bills when I get them, then Chase Bank Says their cancelling two credit cards because I didn't pay bill on time. If I'm late I didn't get a bill and have never been late before. You try to build your credit back and then the banks do this stuff. I don't see what good it does to pay your bills if this is what happens. I can not get ahold of anyone at barclay bank on line or on telephone as # I was given to call goes to AT@T.

Heather of Brooklyn, NY July 23, 2009

In February of 2009 I enrolled in Money Management Management International which is part of the federal Consumer Credit Counseling program that helps reduce consumer debt. All of my credit cards were accepted into the program except for my Barclays US Airways Mastercard. Barclays kept rejecting their proposals stating that the proposal submitted did not qualify under there program. After several phone conferences with MMI and Barclays they continued to refuse to provide the reasons for their rejection of the proposals yet they continued to request the same 2% payment minimum for them to "consider" the proposal.

This has gone on for over 5 months and each month we increase the % in the proposal which at the last proposal was well over the 2% they require. 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 they Barclays has been doing this to most of their clients and no one has been able to find out why.

Amanda of Tahlequah, OK July 20, 2009

I have had a Juniper account for three years with no problems and had 7.99 fixed APR. I have always scheduled payments early, never been late or missed, and always paid way over minimum due. Two months ago I noticed they raised my APR to 14.99, so I called them. Thaye said it was the best rate they could offer me at the time and wouldn't even offer a reason why it was raised. Then last month, I scheduled my payment online that due on July 14th on June 29th. Around June 17th I started receiving collection calls that they never received my payment for June. I tried to explain I scheduled my payment online but they would not even listen or pay attention.

So I paid the payment plus late fee, only to find out hey had raised my APR to 29.99!!! I talked with several customer relations managers to see if they could lower it due to my good history with them and they would just keep telling my it was this high because I failed to pay my bill and wouldnt' even pay attention to what I was saying. Here we are several days later and they are still calling inisisting I never made a payment.

Cathleen of Greencastle, PA July 15, 2009

Appied online to 0% APR for 1 year. LLBean sent me conformation of my approval,and welcoming me to LLBEAN,, never emailed me to let me know when bill was coming due.The representive called me 2 weeks after due date to ask for payment and to let me know my % rate was now 18.77 I never felt so deceived and tricked.. Can anyone tell me how to furture pursue this? They refused to help me in anyway.. It cost me the aprox 500 in fees and interest,,,

Patricia of kempton, PA July 11, 2009

I made my payment on line 2 weeks before the due date. One week after my due date I recieved a call stating they never recieved my payment. I called Baclay and the told me that I gave them the wrong account number. I reviewed my information and I did not give them the wrong info,so they said they would remove my late payment and return payment fee , and submited once again. I recieved my next months statement, and late charge was still on and return pament charge was on my statement. Called Baclay again said I gave them the wrong account infermation again. I then gave them my debit card # so the could get this settled.

Next statement comes again, return paymentand late fee AGAIN!, Now Im over my limit and my payments are now 300.00 and the use to be 88.80. Now I cant afford this payment. I checked my bank account and the money was removed from my account, so I called Bacley. 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 debet card account.Still not resovelved after 3 month and I refuse to make a payment untill the fix THERE MISTAKE!They call me 6 times a day,including weekends.

Joseph of Bowie, MD July 11, 2009

I got the Juniper Master card because they were offering a fixed 7.9% finance rate. The account went over the limit by 9.00 and raised the interest rate to 12.7%. That upset me and I called the company. They would do nothing so I closed the account. It was the principle of the thing. I was late on a payment and they raised the interest rate to 27.24%. I called them again. They said because I closed the account there was nothing they could. So I said open it up again and they said it had been closed for more than 60 days and couldn't be opened again. What a racket. I have no other alternative than to hope a consumer group can help. I could pursue litigation, but I think all the small print is in their favor. I gaurantee I will never apply or use another credit card with barclay bank.

CYNTHIA of MORENO VALLEY, CA July 10, 2009

I never received my May statement resulting in my payment being late 3 days. My APR went from 8.99% to 24.24%. My efforts to correct this has caused enormous stress as I am continually put on hold for well over a half hour at a time until they disconnect. I have over the course of a week never spoken to a supervisor.

My loan is at close to 4000.00. My minimum payments went from 65 to 123 all finance charge. This is an outrageous rate. I never authorized paperless billing and I had never been late on payments over two years.

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