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Credit Card Company practices
Posted by Scoobajdm on 01/08/2006
CONWAT, ARKANSAS -- My son signed up for a $250 limit Apple-Juniper Bank credit card to build his credit. When he exceeded the limit, a $39 monthly fee kicked in ... and when he paid late, another $39 a month fee kicked in ... as well as a 28% monthly interest rate. Within a few months, he was over $700 in the hole.

Their website phone number isn't operative.
They don't answer emails.
They ignore their own "dispute forms".

I finally gave up trying to reach them and paid the bill direct from my personal checking account ... "in full".

Two months later, I get a call from my son that they are again charging a late fee and an interest fee because the payment made did not account for some in-process finance charges.

Still can't reach them.

I would recommend avoiding anything to do with the Juniper Bank.
     
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Posted by Mad Eye Moody on 2006-01-09:
File a complaint witht he BBB, and your state's attorney gen - then get a copy of your son's credit report. You may be able to nail them with some FCRA violations, as well as truth in lending F@#$ ups. Don't back down.
Posted by Anonymous on 2006-01-09:
Even though you want to run to your childrens aid, maybe this is a good time for some tough love. What has your son learned about credit cards if YOU pay the bill? If you add the two fees together ($39 a piece), you can deduct that either your sone is more than 5 months late or when you paid the bill in full he continued to charge. Good luck with this one!
Posted by Anonymous on 2006-01-09:
Besides, even if you were able to contact them, by law since the card is in your son's name, they cannot discuss the matter with you.
Posted by Anonymous on 2006-01-09:
Probably not wise for any "minor" children to have a credit card. And, if he isn't a minor, he should be old enough to be responsible with the card. Tell him to work some overtime and pay his own way.
Posted by DebtorBasher on 2006-01-09:
Isn't there a phone number on your son's statement to call for billing inquires?
Posted by yoke on 2006-01-12:
Instead of blaming the credit card company I would recommend telling your son not to go over the limit because the bank will charge late fees and a high interest (as the credit card stated when he got the card, it's in all the paper you get witht he card). Stop blaming the credit card and blame your son.
Posted by viperpa33s on 2006-03-27:
Juniper Bank does provide a phone number to call. When you call they don't provide a option to speak to a customer service rep. You can also contact Juniper by email but they don't answer that. As for going over the credit limit, depending on the amount, you would need to get permission from the credit card company first.
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Credit Card scam
Posted by Leebo on 08/12/2007
WILIMINGTON, DELAWARE -- I received a credit card from juniper with a limit of $3000.00.They included a blank check for me to use either for purchases,cash advances or balance transfers. With out any notification they reduced my limit to $350.00. Their reason was repeated cash advance attempts. The only cash advances were (2) for twenty dollars each. The check was used for a cash advance to purchase tires for my work vehicle. The local discount tire company (Sams Club) only takes debit cards. So now I have to reimburse my bank $400.00 for the check a $15.00 return fee and a $29.00 Fee from Juniper. All because they violated their credit card agreement.I could not find anywhere it in the agreement that allows them to Change my credit limit with my being in default . I am canceling my card immediately.

What a rip off this has been. And to top it off no one will return my calls.
     
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Posted by countrygirl26 on 2007-08-22:
I just got done the same way by this card. They gave me a $2000 limit and then dropped it to $250 stating I had too many cash advances. I had just got the card and made 1 $100 advance and 1 for $20. I thought that is what these cards were for? They're scamming people giving them these high limits and then tearing them down to a couple hundred bucks. So I know exactly what you mean. It stunned me when I read your post after this just happened to me 3 days ago. Take care of yourself and don't let it get you down. They won't be in business long that way!! ~countrygirl26
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Deception - Fraud
Posted by Davos on 12/20/2007
Frontier Airlines World Mastercard aggressively solicited my business @ the Denver International Airport on a trip this past year. The "offer?"
A free R-T (Round-trip) anywhere Frontier flies in signing up for the "no fee," "low interest" card.

REQUIREMENT: After the first use of the card I would receive the requisite mileage and R-T flight credit to use.
KEY FACTS: I requested a hard copy of my monthly statements be sent to my home address and declined the soft or electronic copy by email, though provided my email address.

Result: Following the initial use of the card I received statements from a "Juniper Bank," which went directly to my SPAM bucket given I did not authorize "unsolicited" email and had received several from this "Juniper Bank." No where in the agreement I signed with Frontier Airlines did it identify Juniper Bank nor Barclay's Bank as the administrator for the Frontier World Mastercard. Statements were NOT sent in hard copy, rather, via email from this "Juniper Bank," and I ignored the first statement having been spammed in prior months by this Juniper Bank. The names were in my SPAM bucket and filtered out.
Needless to say, nominal charges, <$50 accrued "late fees" of $29 for two successive months, along with finance charges.

I would never have known of any charges, save recognize I had made one charge, in order to receive the free R-T ticket on Frontier and had yet to receive a statement at home. I checked my SPAM bucket, found three Juniper Bank statements and quickly realized I had received Frontier World Mastercard statements for the initial charge, along with, now, two late fees and finance charges.

CUSTOMER SERVICE??: I think not! Calls to Customer Service resulted in rudeness that defy description and a "Supervisor" I had asked for, telling me to pay the late fees and finance charges or I would accrue more late fess and finance charges. He stated he "did not care," that I had requested ONLY hard copy by mail, not soft by email.

I note many other complaints about this type of deceptive business practice; the name Juniper Bank and on the statements-soft copy- the contact name of Barclay's Bank, who apparently bought Juniper Bank's credit card business this year.
Anyone else had similar results? Contact me. I am working on a Class Action lawsuit to be filed against all three organizations, pending discussions with Barclay's to seek resolution they promised me from the "CEO and Chairman's Office" with a return of the late fees and finance charges and yet did nothing. They are disingenuous to say the least and deserve to be singled out. This type of leadership can not and will not be tolerated.

     
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Posted by tnchuck100 on 2007-12-21:
Forget class action. They only make for rich attorneys. The only think you would get from that might be two free movie passes. IF you do anything do it for yourself in small claims court.

If you have a copy of you application showing you desire for hard copy statements you may have a chance. Read their terms. They may be sneaky enough to specify they only provide electronic statements.

For everyone: Never apply for a credit card from mail solicitation, special events, airports, check out counters, or any "we'll give you a free tote bag just for applying" deals.
Posted by chow on 2007-12-21:
Those credit card agreement form is a really "slick" trick,it is fill with legal jargon and super tiny prints,you need to give away yuur right as consumer in order to have one, too many fall for it already.
Posted by cherubtoo on 2008-04-17:
I used to be one of those "agressive" sales pitchers at the Denver Airport for the Frontier MasterCard. We were so pressured to get people to complete the applications and we were basically encouraged to say anything we had to in order to get the app. done. While most sales people start out trying to be honest, we quickly saw that the ones being most rewarded were the ones who out right lied to people. This job, if you brought in the numbers, could pay out anywhere from $200 to $1000 a day with possible "bonus" on top of that. We were (and they still are) paid by the completed application, not whether or not it was approved. It was nothing for me to bring home $2000 - $4000 a week for part-time work. Sounds like easy money right? Well, if you're a good liar and can pull the wool over peoples eyes, then maybe so. The complaints you read about the card are true, excessive late fees for being one minute late, being charged a higher interest rate than stated, rate hikes for no reason, other misc fees that are hidden. Barclays will do anything they can to get a penny out of their customers. The only way this card works is if you pay your balance off every month and do it ON TIME. And if you are at the Denver Airport, stay away from the sales people. In the end, I left because in spite of the good money made, I could not live with myself anymore doing that job, and believe me, I was good at it. For the most part, I tried to be honest, but when our head Manager put the pressure on us, I too was guilty of doing what I had to do to keep my numbers up. Just Beware - if sounds too good to be true, it probabaly is.
Posted by grinwithin on 2008-07-07:
I am currently in the process of filing suit against the bank for fraudulently soliciting an account alleging affiliation with a professional association. Due to misappropriation of funds the account was clsoed within 3 months of inception - and the balance paid in full. After the account was closed, the bank started adding unauthorized insurance premiums ranging from $23 to $123 randomly for the next six months. As the account was closed, they also added $29 Over Limit Fees and $29 Late Fees plus interest.

The bank refuse dto investigate, therefore I had the Department of Insurance Investigate and they found in my favor. The premiums were eventually credited, but not the accumulated interest, late fees, and over limit fees now in excess of $1,000.

Documentation and a copy of a judgment saying I am not responsible for these fees sent certified returned receipt, marked refused return to sender.

The bank is not even licensed to do business in my state. The list goes on.

In any event, I am in the process of taking them to court for continuing to damage my credit reports and other illegal activity.

The customer service reps all claim there are no supervisors, no managers, and they all must work from home because no one had a physical mailing address where they reported to work or where the executives were to resolve the issues amicably. The bank also sent fedEx documents back REFUSED - RETURN TO SENDER.

Two collection agencies already contacted me and "ran away" when my documents received, unfortunately, I can't get this stuff off my credit reports and you know what that does.
Posted by Zip1080 on 2008-07-23:
I almost applied for this credit card. The mail offer had a website of www.juniper.com/3804 when it didnt come up I added Barclay to the name and all these reports that people had made about this company came up. I am glad it worked that way before I applied. I am recovering from a bankruptcy a few years ago and am rebuilding my credit last thing I need is to have a credit card that is going to cause more problems than help me fix it!!!

Thanks for all the info I have read. It definetly made my mind up not to apply.
Posted by jack6491 on 2008-08-19:
Me were solicited for a frontier frequent fliers card in the LA air port, we were not even told we were applying for a credit card, until the statement for $49 for the annual fee for a credit card with a 20+% interest rate, we wrote back to cancel the card only to get a bill the second month with late fees, I then talked to someone from Barkley bank and told them we did not want the cards me or my wife 2 cards same problems, after writing and calling again they canceled the cards, but not the late fees, I then filed a complaint with Ohio Atorney General in July, so far no response from Barkley. Today we just received another statement for my wifes card with $26 more dollars of late fees added on to the $26 of late fees on the canceled cards making a total from these deceptive thieves of $52 for totally services of nothing but the lies the Frontier rep in LA told, and the snide nasty remarks and hours on hold trying to kiss their A to get something settled.
Posted by Ken19505 on 2008-12-28:
I always pay my credit card bills in full to avoid interest. Yet, over the past two billing cycles, Barclays / Juniper hit me with interest charges -- and the first time, there was no activity on the prior month (actually no activity for the prior 6 months!)

I believe other customers are getting hit with this interest fraud...and most likely, customers who do revolve, are probably paying more interest than they should.

Because of this fraud, I am filing a complaint with the Attorneys General of my state and Delaware. I hope others will follow suit.
Posted by Jens on the warpath on 2009-03-25:
I had an issue with unauthorized charges on the account. It was for credit insurance. I too closed the account and when I complained, customer service was useless. The Department of Banking in Delaware felt the bank's word that I signed a document authorizing the service ($200 annual fee). The bank refused to produce it. Eventually the principal on the unused account was removed but the interest and bank fees associated with the dispute was not.

I wrote to their General Legal Counsel, Mr. Clint Walker who should be fired for incompetence. He refuses to supply any signatures or copies of alleged charges that were made on the unused account (which I closed when their customer service mouthed off at me).

They refuse physical locations for the purposes of legal depositions. So it is best to deal with their General Legal Counsel on disputes directly out of the 101 West State in Wilmington DE. That's the ONLY physical mailing address on public record - so deal with those folks until they decide to play fair.

Their own collection firms will leave you alone and not pursue collection activity if you provide evidence that you have been trying to resolve a dispute. So no worries there. Lots of great folks actually - surprising for collection firms in this case they are easier to communicate with than the bank.

Just be careful when you dispute with credit reporting agencies. They take the bank's word as "golden" and the bank will illegally re-age the account. Unless you intend to sue and you want to "add damages" steer clear until you have a document from Barclay's stating they deleted or updated the trade line.

They traditionally will not provide validating evidence and "supervisors" enjoy pushing the envelope. one supervisor told me no one will prosecute them and she could talk to me any way she likes.
Posted by funnyfeelin on 2009-06-02:
My juniper monthly interest rate DOUBLED and I am INCENSED because I have been a faithfully good customer for years, paying on time with extra payments, etc. I want to join a class action suit against these idiots!
Posted by Box3cents on 2010-07-16:
Credit Card company horrible
7/16/2010 Delaware DE

Wow, what a joke of a bank. Barclays Bank's customer service department is by far THE worst I have encountered. I am surprised Frontier Airlines has not moved on to a different bank to administer the frequent flier credit card offer. The customer service at the bank is the worst I have ever experienced. If I did not love Frontier Airlines and want the mileage credit I would have dumped Barclays Bank long ago.

Seriously, I do not understand how a company (Barcays) can stay in business with the poor customer service, lack of follow through, incompetent employees, not well-trained employees on their own products (e. g. stating they don't offer a "Pay Pass" credit card through Frontier Airlines, when they do!!!!), weak supervisors, not calling back within 24 hours as they state a manager will do and managers not even aware of what the problem is.

This goes back to mid-May when I was sent a new credit card because I was "upgraded" to a better card. Two months later and nearly 30 phone calls and I don't have resolution and continue to get incompetent customer service employees who give me incorrect information and do not seem to care to fix the situation. Stay clear of getting one of these cards if you can help it. (I read the negative post by a person who "was roped" into one there at the Denver Airport.) There are other better choices out there. Be aware - Mike
Posted by Lisa on 2011-07-06:
I just paid off in full my Frontier Master Card (managed through Barclay's). I sent an email at the beginning of the month of May,for which I received a response back to my request that I wanted my acct. closed. I just received a call from the "collections" dept. that I own them $66.00 in interest fees for a balance not paid for 2 months! I said this acct. has been closed I varified ahead of scheduling the last pymt. what the balance was and I paid it in full. Since the time of my payment (in full) in May, I have not received a stmt or any online messages. They are claiming I owe them?!! FYI_ I closed this acct. and paid it in full ahead of being charged the annual $50.00 fee for the priveledge of having the card! This is fraud.
Posted by Jim on 2011-11-23:
My wife and each had this card since 2008. Last August, we had fraudulent activity on her card. That card was cancelled and replaced without a hitch. Then they billed us on the new card for $2300 in fraudulent charges from the old card. When we called to straighten this out, we were connected to someone in the Phillipines who didn't understand English and was clearly reading from a script. It took 8 requests to get her to transfer me to a supervisor in the USA (she kept trying to sell me fraud protection). This foreigner had already turned off both cards. The American said she was issuing two new cards. My wife got her's in two weeks and a month later I find out they never issued my card (I'm a business traveller, spend roughly $5k/month and never carry a balance).

OK... I get it. Barclay's is telling me that they don't want my business. The customer service is about the worst I have encountered in the last 40 years. All things happen for a reason... I found a much better rewards program with a bank that carries a high customer satisfaction rating. As soon as the new cards arrive, it's goodbye Barclay's.
Posted by Sue on 2012-03-13:
I've had this Barkley's Frontier card since 2007. I've never missed a payment, and pay more than the minimun amount each month. Their address is Card Services. For TWO YEARS, I've been getting automated robo-calls from "Card Services" offering to lower my credit card/s interest rates. Press "1" to speak to someone. When I do, I get an accented person (Filipino?) asking for money up-front. If I ASK a question, I'm immediately hung up on! I actually got some information from one of these unsolicited telemarketers, who said that Barclay's SELLS account information to them. I called the number on the back of my card 1-866-839-2345 to complain about this, and was given a Case#. When I called with my Case#, I was told that Barclay's Frontier "did not do this". Of course they did! I got hung up on TWICE today by Rob and Jay (just like the telemarketers), and when I try to call the Customer Service# (1-866-839-2345) from either my home or cell phone number, all I get is a FAX signal! I've been targeted for complaining! Got two voicemails yesterday and today from Carla and Rob referencing my Case#, and telling me to "call the number on the back of your card". I cannot do this, because all I get is a FAX signal! I've called from my home phone and cell phone...FAX signal. I've been targeted by Barclay's Frontier for complaining about non-stop telemarketing calls from a company (MECH??) that Barclay's Frontier sold my information to!! Every time I've called Barclay's Frontier Customer Service, I get a Phillipines call center, can't understand the accent, get cut off if the call is transferred, get hung up on, and am treated rudely! This has been going on since 2007! Unbeieveable! I've never missed a payment, all payments are on time, and I pay more than the minimum each month. Barclays is not only a scam, but they're breaking US laws. They have an office in Wilmington, DE. 1-302-255-8800. I have all of my statements, and still cannot call 1-866-839-2345 without getting a FAX signal! I've been targeted for complaining. Interestingly, the automated robocalls from "Card Services" stopped when I complained to Barclay's! Hmmmm. As soon as I pay this caed off, I'm done with them!
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Questionable Practices
Posted by Leet on 06/25/2006
Here is a copy of a letter I sent to the president of US Airways concerning the Juniper US Airways Card:

W. Douglas Parker
CEO and President
US Airways
2345 Crystal Drive
Arlington, VA 22227

Dear Mr. Parker:

I know you probably have more important things to worry about, but I would like to make you aware of the sharp practices of one of your business partners and how it is reflecting poorly on your efforts to get this airline back on its feet.

I am referring to your endorsement of Juniper Bank’s MasterCard product. I previously was a holder of your USAir Visa Nations Bank/Bank of America card for many years and was very happy with it. The benefits promoted by the new Juniper card proved to be too much to resist and I signed up for it a little over 6 months ago.

The issue which proved to be the last straw involves a payment I made which Juniper deemed to be late although I paid it electronically through National City Bank five days before the due date. For this indiscretion, I was assessed a late fee of $39 plus a finance charge of $39.26 (on a $3,443 balance). Upon contact of the bank, they immediately waived the $39 fee but refused to do anything about the finance charge despite my appeals and the intercession of my bank.

I deducted the $39 from my payment, sent in the payment early and this month I received another $39.26 finance charge (on a $147 balance) because I deducted the payment that they told me they had excused. Their automated phone system will no longer allow me to even talk to a service person because I have cancelled my card.

Another indication of their poor customer service is the fact that they do not support downloading of transactions into recent versions Quicken. This means additional time to enter these by hand for those of us who are used to such features by every other major credit card company.

When asked about it, they are non-committal as to when or if they will ever fix this yet their website encourages you to purchase the latest version of Quicken which will not work with their website.

In short I get the feeling that Juniper Bank is a backwoods loan sharking outfit in it for the quick buck. They have no business being
affiliated with a major airline.
     
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Posted by good customer on 2006-06-27:
i have dealt with this bank before and i would be more than happy to help you with their practices.
1. ELECTRONIC PAYMENT: we may well ask our bank to do an elctronic but they do not always send the funds electronically. they will sometimes wirte a check and physically mail it. As per all banks...if they receive it late then Juniper will assess a late charge.
2. When Juniper waive a late fee they will post it on the next statement (they have explained this too me before) You need to pay the full statement balance in order to not get lates fees and the next statement will be creditted with the late fee. This is based off any dealing I have them.
I certainly do sympathise with you however. It can be confusing as not all banks operate the same way.
Posted by good customer on 2006-06-27:
as for Quicken...i believe they will be updating the quicken support in September.


keep posting...keep the consumers updated!!!!
Posted by CrazyRedHead on 2006-06-27:
When I pay electronically through my banks bill pay, they give me a deliver by date. Just because I pay 5 days early doens't mean that they will get there payment at that time. You may want to look into that with your bank.
Posted by WazzuCoug on 2007-07-12:
It's perversely comforting to see that I'm not the only one that's had problems with this bank's late fee practices. My most recent experience--this month--involves discrepancies between their online system and paper statement. I paid them $100 on a $450 balance on 6/4. Thereafter the website consistently said my next due date was July 30. I received my paper statement, which said payment due June 29, but the website didn't vary from the July 30 date. Since just about every other business I deal with (e.g., my mortgage bank, auto lenders, other credit card issuers, etc.) directs me to their website for the most up to date information, I took the website to be more accurate and intended to make another large payment sometime this month--the goal is to pay off the account in the next few months. Out of curiosity I checked the recent transactions page and saw I'd been billed $39 for late fees on 6/29! I called them and as per the norm, talked to some person in Manila who has no authority to take say "boo" on behalf of the bank, let alone alter the fee. Instead, all she did was profusely and incessantly apologize (until I finally told her apologies mean nothing when there's no sincerity behind them).

This is the same bank that took three months to cancel a payment protection service that I never order. They refused to refund the $11.95 monthly fee notwithstanding the fact that I had the dates, times and names of the people I spoke with on the two prior occasions when asking to cancel the service--again because the person out in Manila had no authority to do so--so there's not a prayer in Hades that they'd consider waiving a late fee even though the lack of payment was due to inconsistencies in the information they disseminated.

This bank is, as one person put it, nothing more than a glorified loan sharking firm and these $39 charges are nothing more than the "vig" on our balances. I plan on forwarding this message to my Congressman and Senators and to give them a link to this page just to let them know how this bank operates. Maybe they can get through to someone on this continent who does have the authority to change their practices.
Posted by jalfonsoaz on 2007-11-16:
Argued with them about companion certificates last year. US Air makes believe they are not involved, but they are a partner!! Still have not received certificates this year!!
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Unable to redeem points for promised rewards
Posted by Cruisegirl on 02/27/2010
WILMINGTON, DELAWARE -- I receive an offer in the mail monthly from Carnival for their fun points card - I used to get the offers for the sea miles one. Since I book carnival cruises, I finally took them up on their offer, lured in by the promise of bonus points and a way to get onboard credit, gifts on board the ship, or even a free cruise. I now have an account with them, and nearly 11,000 points but am unable to redeem them for anything. After numerous calls to some of the worst customer service reps I have ever dealt with, I got a call back from a supervisor who said they have a glitch in their system that is affecting many customers, and I can't redeem my points because of this. Also, they are unable to override the system to do it for me. They have "escalated the problem" to their techs, are working on it, don't know when it will be fixed, but to keep checking back. This is nonsense. If they wanted to fix the problem (if it weren't to their advantage) they could, and according to the terms of the contract we entered into - they must. I can't tell them sorry, can't pay you because my checking account has a glitch - keep checking back and eventually you will get your money. You can bet there would be a consequence for me, but no consequence for them in not holding up their end of the deal. Skip this card, this company ought to be hit with a class action suit. This is fraud, or bait and switch. If you are experiencing the same thing, please file a complaint with your state's attorney general. You can file a complaint online, it is quick, free, and a way to fight back without going to the expense of hiring your own attorney.
     
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This company sucks!
Posted by Dog Lady on 09/25/2007
HOUSTON, TEXAS -- This is the worst credit card I have ever had! I have excellent credit and many cards. On my first run-in with this company, they jumped my interest rate from about 14% to somewhere between 20 and 30% and I called to ask why and they refused to tell me. Later on, I transferred a large balance from another credit card to Juniper because of their promise of a 0% interest rate for one year, and they kept their word on that. However, once the 0% expired, they immediately raised my interest rate to over 32%, again with no explanation! I went from paying $32.00 in interest to paying about $250 per month interest! I called and politely asked them to lower my interest rate and explained that 32% is way higher than any other card was charging. The rude person just said that "nobody here is authorized to lower your rate" and that when the company determined that I was due to have a lower rate, I would have to wait for a letter.

I told them that 32% is outrageous and that I would just transfer the balance to a lower rate card, and that they may as well lower my interest and make some money off of me, they still refused, rudely, and with no explanation. After paying $500 in 2 months in interest, I paid them off and closed the account. I have never had trouble like this with any other credit card.

Don't fall for their scams.
     
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Posted by Anonymous on 2007-09-25:
Dog Lady: Glad you paid it off and closed your account. These banks need to stop charging rediculous interest rates and consumers need to pay off and close their high interest accounts. Good information and i voted 'Very Helpful'.
Posted by GOGOE on 2007-10-08:
YOUR DEFINETLY WRITE THEY ARE THE WORST CREDIT CARD COMPANY I EVER DEALT WITH
Posted by naturebaby on 2007-11-09:
How did u cancel your card??
Posted by Hatecorporatefraud on 2008-01-18:
Beware Juniper's "alerts" which they send to their cardholders warning them of a change in credit score. Thye give you the horrifying information that your score has fallen by 250 points, or so, and they continue sending you these alerts citing a score that is FAR below the real one. They claim the score is from Trans Union-NOT TRUE! The score they display seems to be totally made up, and worse, they changed my interest rate to over 30% based on this false score. My repeated demands that they change the score to the Trans Union score-which is over 200 points HIGHER than Juniper's pretend credit score have been ignored. Their customer service staff speak in the weird android accent of the Philippines, and they will do nothing helpful.

Anybody making 30% on their IRA investments? No? Hmmm. Why not start a credit company in this age of legalized usury...
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Credit Limit Drop Without Notification
Posted by Ske4661 on 10/06/2007
GEORGIA -- My husband has a Juniper Credit Card - we traveled out of the country this week and we took the card - which on our last statement had a $1750 limit with $1633 available credit - we'd been keeping this card paid down specifically for this trip. Halfway thru the trip we were notified by the purser that there was a problem with our card. Seems like they abruptly dropped the limit to $650 and even though we hadn't spent an excessive amount - < $400 we had hit the "NEW" limit of our card - needless to say - we were totally stunned when we pulled up the card on the internet and discovered the limit had been changed. Surprisingly enough, I had pulled our information to verify our limits and availability on Sunday before leaving on Monday - no problem - it was only after we began using the card that the limit was abruptly dropped. We were told it was because they had reviewed our credit report and I had been late on the car payment - not true!!! I had extended the payment a couple of months ago. But wasn't late. Needless to say - we'll be paying off the card asap and closing the account. Can't wait to see what happens with the interest rate - which is supposedly locked in at 8.99%.

I will never deal with them again - I don't care if they raise my limit to $10K - I wouldn't trust them with any of my financial business.
     
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Posted by sarahnkrystal on 2007-10-07:
I've heard many bad things about Juniper Bank cards.
Posted by LARRY D on 2007-10-25:
REC. A LETTER SAYING I WAS PREAPPROVED FOR A CREDIT CARD @ JUNIPER BANK SO I SENT IT IN. HERE COMES MY NEW CARD WITH A $ 2,000.00 LIMIT WHICH IA ABOUT 1/5 WHAT ALL MY OTHER CARDS ARE, I WRITE A CHECK TO MY LAWN GUY FOR SOME YARD WORK MATERIALS. AND BUY SOME GAS AFEW DAYS LATTER I CHECK THIER WEB SITE A SEE THAT THEY HAVE BOUNCED BY CHECK BECAUSE THEY HAVE LOWERED MY LIMIT TO FOUR HUNDRED AND FIFTY DOLLARS. AND CHARGE ME $39.00 FOR DOING SO.
SO I CALL THER CUST SERVICE NUMBER TO COMPLAIN ABOUT HOW CRAPPY THIS IS AND SOME HIND SAYS HE WILL CONECT ME TO A SUPERVISOR, WELL NEXT I GET A RECORDING SAYING MY USING THE CARD WHEN I RECEIVED IT WAS SUSPICIOUS AND THAT THEY LOWERED MY LIMIT AND WOULD BE WATCHING MY ACCOUNT .
WHAT GALL...............
LARRY DAN CHAUNCEY
Posted by jktshff1 on 2007-10-25:
if you have the other cards with a $10,000.00 limit "NEW CARD WITH A $ 2,000.00 LIMIT WHICH IA ABOUT 1/5 WHAT ALL MY OTHER CARDS ARE"...why in the world would you get another one, unless the others are maxed out?
extended payment=late
You got money problem dude.
You need an accountant, not another credit card.



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Exorbitant Late Charge for 1 Day Late.
Posted by Alphy22 on 02/12/2010
I was charged a late fee of $39.95 for being one day late because of illness. Employee of Barclays Card US that I spoke to informed me that they would not retract the late charge. Very poor service from this firm. I very definitely recommend that all persons that are thinking of taking the CARNIVAL Fun Points credit card offered to them on Carnival Cruises think very seriously about making such a terrible mistake before accepting one. This is a genuine warning to all persons in the aforementioned category. My balance that was one day overdue was $17.00 I have now had to pay $58.95 These people are no better than legal loan sharks. Be forewarned.
     
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Posted by Anonymous on 2010-02-12:
How long before the due date were you notified that you had an upcoming payment? Not really an issue, to be honest. You signed an agreement to use credit from them. Part of the terms is that you will make payments at a certain time or a fee will be imposed. You didn't hold up your end, they are holding up theirs. I don't see the problem.
Posted by Slimjim on 2010-02-12:
All banks charge a late fee around that number and yes, for even just being a day late. Most card lenders will give a one time waver on a late charge, so I guess you could be disappointed there. Have you ever been late with them before?
Posted by Anonymous on 2010-02-12:
It is freaking ridiculous for a company to charge a late fee of $39.95 for an outstanding balance of 17 bucks. Cancel the card. Don't ever do business with Barclays again. This kind of abuse will only end when we the customer start flying these scum bags the finger. Good review.
Posted by Slimjim on 2010-02-12:
I think it's kind of ridiculous to let a card with a balance of $17 go late and subject myself to a $40 late fee personally.
Posted by Anonymous on 2010-02-12:
How much should a company charge a person who fails to pay on time? If $39.95 is too much (when the balance is only $17), what would be appropriate? Maybe they're not charging enough...certainly not enough to persuade the OP to honor his/her agreement.
Posted by Anonymous on 2010-02-12:
Agree with SJ. Pay your bills the day they arrive. Late fees will be a thing of the past.
@Stew.....should the late fee be prorated? Should it not be applied to an account that has a balance below a certain amount? Hogwash. These people signed on the dotted line and now complain when the terms are enforced. Quit siding with people who break contracts.
Posted by Anonymous on 2010-02-12:
Still, shouldn't a late fee be a percentage of the balance and not a set fee? I'm all for larger fees for bigger balances, smaller fees for smaller balances. People have to be responsible. OP, I would have called the CC holder and asked them to waive the fee. If they refused, I would pay the fee and cut the card up and send it back to them. If it's a first time late pay, they could afford to be gratious.
Posted by Anonymous on 2010-02-12:
I'm not sure if people are ignorant or just plain have short memories. A short while back, financial institutions got a whopper of a loan. They have to pay it back. They have been. Billions and billions at a time. Where do you think these billions are coming from? They are no longer waiving fees. And for companies that didn't get a loan, they can now follow suit and not waive fees cuz nobody else is. Pay your debts or the fees will come.
Posted by Anonymous on 2010-02-13:
I don't disagree with you, but people make mistakes...it would be nice not to get bent over for just one mistake. I would rather the banks expend their resources on the idiots who charge and have no intention of paying.
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changing credit limit
Posted by Carlos1352 on 02/14/2006
WILMINGTON, DELAWARE -- In January of this year I was solicited by mail to apply for a credit card from Juniper Bank.

After reviewing the offer and filling out the application on line, I received a credit card with a $3000.00 limit.

In February, I purchased tickets to a show for my family through Ticketmaster. On a business trip, I had to stay an extra day and purchased some toiletries and a shirt at the local Wal-Mart and got a $60.00 cash advance to have some pocket money for the next day.

All of this totaled 294.85 (203.00 of which was the Ticketmaster charge). Less than 10% of the assigned credit line!

I then received a letter and e-mail describing these purchases as “risk associated behavior” and “risky transactions”. I was informed that my credit limit was immediately reduced to $420.00 and that Juniper Bank would “proceed cautiously” with my account.

What is the definition of a “risky transaction”? And where can I find that in my agreement.

When you issued me the credit card did you not expect me to use it?

I am offended by the insinuations that I made "risky transactions". This is frustrating and personally embarrassing.

Does Wal-Mart and Ticketmaster know that they are on a “risky transactions” watch-list?

I got this card because my wife and I are planning a 30th anniversary cruise in May. You typically register a credit card with the cruise company to charge purchases while at sea.

I assume, that 2 pina coladas and a tee shirt from the ship’s gift shop would have also reduced my limit and in affect ruined our anniversary cruise.

I am sharing this with letter with the Dow Chemical Employees Consumer Forum to prevent a fellow employee from being labeled “risky”.


To all others BEWARE!


     
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Posted by dsmith68 on 2006-02-14:
Banks and Credit Card software is generally programmed to detect certain patterns that can potentially show that a credit card has been stolen. However, whenever this has happened to me, the company has called me via my registered phone number and asked 'Do you still have your card?'. Have you called and informed them that you still have the card and it is normal usage?
Posted by Slimjim on 2006-02-14:
That doesn't sound like the kind of letter they would send if they thought the purchases were potentially fraudulent. That's the kind of letter you may get when running up big cash advances at a casino. I can't see how poster's purchases would raise a flag, except for maybe a cash advance on a new account.
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I Caught Juniper In A Lie!
Posted by Kevin Carson on 09/12/2007
DELAWARE -- In addition to sending a documented complaint to Juniper, I've filed complaints with the Delaware attorney general and the Delaware Better Business Bureau.

I called Juniper's automated hotline in June for my balance, and sent a payment for the full amount with a note to close the account. I received the July statement with a $10 "finance charge."

Since 1) I had cut up my card when I cancelled; 2) Juniper's monthly statements include only the last four digits of your acct. no.; and 3) their customer service line charges you $15 to talk to a "relationship manager" (the term itself makes me gag), I decided to just pay the $10 and have done with it.

But I got another monthly bill in August saying the payment was late. After another attempt to figure out a way to contact them without paying $15, I finally gave up and sent in the $39.

But this time I sent it Priority Mail. And suspecting I might need it, I paid for delivery confirmation. Sure enough, Juniper sent me another bill for September, claiming they didn't receive the payment (due Aug. 31) until Sept. 4. But GUESS WHAT? I checked the USPS Priority Mail tracking number, and it said my payment was delivered at 4AM on Aug. 30! How about that? Now I wonder if they also lied about the other "late" payment, and just sat on it for several days like this one.

Needless to say, I'm fighting that bunch of crooks. These people are human garbage.
     
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Posted by Anonymous on 2007-09-13:
Good info. I vote very helpful.
Posted by lobo65 on 2007-09-13:
Juniper is one of the lowest ranked credit card companies. See if you can get a card with a credit union. They will treat you a lot better, and have good interest rates.
Posted by Dizey on 2007-09-22:
I am going through the same thing with these criminals - they do hold payments until after the due date - I don't understand how they get away with this - I'm glad you caught them and hope you have much success in your battle with these crooks as I am dealing with the same situation -I've filed complaints with the BBB, FTC, Consumer Affairs, the FDIC and I am not giving up until I finally give this bank what is coming to them!
Posted by Kevin Carson on 2007-09-23:
Good luck, Dizey. I recommend you file a complaint with the Delaware AG's office, as well--that might create some synergy between our complaints and give both more weight.

http://attorneygeneral.delaware.gov/consumers/protection/complaint.shtml

And the AG recommended I also complain to the Comptroller of the Currency.
Posted by Kevin Carson on 2007-09-23:
I have also contacted Juniper's counsel, Clinton Walker cwalker@juniper.com
Posted by goldenlab on 2008-02-12:
Juniper made a decision with a merchant,debited my account without my authorization. They say I did not respond in a timely manner. I have documents via US Post Office. They claimed they never received the certified mail!
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