Unfair, dishonest and conniving!
P. P. BOX 13337 -- There apparently are no rules, or laws to protect innocent consumers against unscruplous, dischonesm, and conniving credit card companies!
I have been a customer of Juniper Credit Card for approximately 2 years, and have had nothing but glowing thoughts about them. While I did not use the card much, nevertheless, the experience was pleasant enough!\
Starting in September, I learned that my September payment had been returned unpaid because of an "invalid account number." Bear in mind that I had authorized my payments to be made automatically from my checking account. I set the information up on my computer so that this could happen every month, and all I had to do each month was submit the withdrawal date and the amount to be paid. Everything else was automatically done, as it is with other banks that I have the same set-up. When I called Juniper to find out what happened, the young lady that originally took the call had a very difficut time telling me about the "invalid account" as if she herself did not understand what it was all about. In fact, she did not fully understand what was going on.
At any rate, I thought that we had this straight, but the more I thought about it, the more it did not make sense. I did not alter my checking account number, nothing different had happened by me to that number, and the more I though about it, the angrier I got. Now, I'm sparing some of the details (believe it or not) about this incident, in the interest of time, but can supply all of this to anyone that is interested.
This month, when I received my statement from Juniper, they informed me that my interest rate had been raised from 8% to 27% because of a late payment. (reference: "invalid account number")
I telephoned my bank to seeif they knew what had happened, and they advised me that once I set this up on the computer, all they do is pay what is presented. They don't alter accounts in any way, they have nothing to do with that other than to honor the payment, So, I called Juniper back, and questioned them how my bank account was "invalid" because I did nothing to change it, the bank did nothing to change it, so how did this happen? In fact, according no one but Juniper Credit Card did anything to change my checking account number other than Juniper itself. There would have absolutely no reason for me to change it. Furthermore, I authorized them at the time to go ahead and deduct the payment over the phone at the time I when I found out about the error. They did not ask for my checking account number, but accepted the information for the payment, and successfully deducted it from my checking account! This didn't click with me until I got this notice that my interest rate had been raised to this ungodly rate because of the "invalid account number. I know that this is all too confusing, it confused me to no end until I figured out what they are trying to do to me, and probably many others! They have had and still do have access to my checking account, and in fact successfully deducted the November paynent on November 3d.
One of the "snotty programmed counsellers" finally offered to reduce my interest rate from the 27% figure to 24% and when I was still arguing with her about this whole incident, she reniged on the 24% rate because, I suppose, of my obstinance!
These people are dangerous, they are connivers, they are liars, and watch out! I am not done with this, because this is not right, and they know it. However, as long as they are able to get away with it, it is not going to stop! All I have to do is figure out how I'm going to handle it, such as suing them, and anyone else that wants to join me in any kind of action, I will be more than interested. WATCH OUT FOR JUNIPER CREDIT CARD! These are bad, bad people~