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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.


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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Bunch of Crooks
Posted by Ridiculous on 10/29/2007
SACRAMENTO, CALIFORNIA -- I kick myself everyday for not doing my homework on Juniper Bank before starting an account with them. Being that I received the credit card through Apple Computers, I assume they were legit. Boy, was I wrong! I just recently was ONE DAY late (payment was due on the 25th) on my $15 min payment (i generally pay at least $50 every time) on a balance of $241 and they charged me a $35 late fee (on the 26th!)! Of course I find this completely and utterly ridiculous so I try to call the call center...on hold for 10 minutes (not including trying to get through the automated system to get SOMEONE) before I finally gave up.

Thank God my account is now closed!...just trying to get rid of the balance to rid them all together! And don't get me started why I actually had a balance that high with them!
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Posted by ejack053824 on 2007-10-29:
That's why you either have auto-pay or make sure you pay the credit card bill ON TIME!
Posted by Extended Warranty on 2007-10-29:
Learn to use a credit card first. Paying the min AND late, are no nos.
Posted by Ponie on 2007-10-30:
Whether it's one week, one day, or one minute--late is late.
Posted by Anonymous on 2007-10-30:
You were late.
Why didn't you pay on time ?
Good luck.
Posted by FoggyOne on 2007-10-30:
You signed an agreement saying you would pay your bill on time and that you'd be charged a fee if you didn't. You didn't pay you bill on time, they charged you the fee. How are they the crooks?
Posted by Suusan B. on 2007-10-31:
Juniper Bank is "legit" and, as such, has legitimate terms and conditions you agree to when you use their accounts. And one of those is that you will pay your bill on time each month or you will be charged a late fee. The day after the due date equals late.
Posted by runaway on 2007-11-09:
I always wonder about these people who state something was "ONLY XXX late!" If it was your paycheck, how late is okay? Why is it okay for someone to be late, then complain when faced with the consequences?
Posted by Anonymous on 2007-11-09:
While M3C is a place to vent this complaint is RIDICULOUS!
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Rude Customer Service
Posted by Kenbeck12 on 09/11/2007
I've had my Air Tran (Juniper) credit card for 2 years now, I have never been late, never missed a payment, never paid a dime in interest. I went to use my card at the pharmacy and it came back declined. They illegally got a hold of my credit report and said they closed the account because chase bank gave me a credit card with a high limit. The limit on Juniper was a measly 1,600. They were so rude on the phone, I told the guy if I was paying you 10 dollars a month in interest the account would have stayed open. He said your probably correct. I would never recommend Juniper or fly spirit or AirTran again.

They reported this on my credit report at closed by merchant, their is no quotes that it was paid every month on time in full. Please folks stay away from Juniper now known as Barclays.

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Posted by Anonymous on 2007-09-11:
What law did they violate by pulling your credit?
Posted by Anonymous on 2007-09-11:
kenbeck12, they all will do that because if you pay on time and have no interest to pay the they don't make a lot of money, they do make 6% every time you buy something, but that is not enough for the greedy people.

I would consider it a blessing in disguise.
Posted by Anonymous on 2007-09-11:
First let’s get the facts straight about credit which there are a few meanings. Lets take just two for now. “Credit is something that you have to earn. You don't get it just because you did this or that.”

The first one would be the one a person earns because he/she did this or that:

1. [noun] approval; "give her recognition for trying"; "he was given credit for his work"; "give her credit for trying"; "the credits were given at the end of the film"
Synonyms: recognition
2. [noun] money available for a client to borrow
This second one would be the one you are talking about and it is NOT something earned. A prospective client calls on a lender or a company offering monetary credit which is an arrangement for deferred payment for goods and services at a price, called interest. This is a business proposition and has nothing to do with anything earned, lets not make that mistake.

If this were true as you put it, then I assure you no one would have any “credit”. Credit is bought and sold just like any other commodity. There are many misnomers about the credit industry and for most it has become a way of life which they believe they cannot live with out, this is not true yet is presented as fact under the premise, “why wait when you can have it now” or “you must have this or that before it’s to late”.

This simply put is a way to keep up with the Jones and has a harmful backlash on society know as DEBT. Many people live like this and we blame them for getting into debt when it is something that is pushed on most people. It can and does become a sickness just like gambling or and addiction just like drugs. What you are saying is it is an earned privilege, in the real world credit is no more a privilege then the debt it causes. The credit industry is out of control and not regulated by any means. Interest rates go up and down very simply at the whim of the lender and the only thing the critics or as I like to say, the lost soles can say then is “You didn’t read the fine print”.

That’s another subject but to some it up, the fine print is written by lawyers for lawyers and to the “average Joe” as we call them, means nothing and that is if one can read that small a print and/or has a lawyer do it for them before they get into debt with this BS we call credit.

I could go on and on about credit in this fashion but I think you get my point?

Financial Credit is NOT earned, that would imply it is given freely from the labor of a person.
Posted by Hugh_Jorgen on 2007-09-11:
I think Lidman nailed it. You figure out the problem - "....never paid a dime in interest". Juniper has to buy those FF miles from AirTran to give to you - they might make 2 of 3% on the transaction, but if you don't carry a balance and pay interest, they lose money on you every month. They can legally pull your credit report from time to time and the new account you have with Chase was the perfect excuse for them to cut you loose.
Posted by Slimjim on 2007-09-11:
"their is no quotes that it was paid every month on time in full" Actually this information can be deciphered from a report based on the history of R1's and high balance. Also, they can do a soft pull on your credit anytime they want to be sure you still fit the criteria of having the account and/or to determine an adjustment in the credit limit one way or the other. That's not to say it wasn't insulting that they canceled the line of credit solely because another creditor felt you deserved a bump in limit, hence affecting your "possible" debt to income ratio. If you paid every month in full, you obviously don't need it. Use your now robust Chase account and like lidman said, to heck with them.
Posted by Anonymous on 2007-09-11:
kenbeck12: Just think, one less credit card to pay every month.
I voted your review, well, i would have voted it 'Very Helpful' but, your debt to credit ratio is too high now.
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Customer Service good but I"m still unhappy
Posted by Dwight01 on 04/17/2006
I switched my USAirways credit card from B of A to Juniper Bank because of the enticements they offered. When I got my first online statement and tried to download it to Quicken, I couldn't. I called Customer Service. Even though the menus are a little tedious, I finally just pressed '0' and got a Customer Service Rep with NO WAIT at all. This was mid-day, I think about 2 PM on a Monday. The answer, however was totally unsatisfactory. They don't support the new version of Quicken which has been out now for like TWO YEARS. There is a workaround (download file to desktop, then import to Quicken) but that really is annoying. So, in my opinion based on one call, GREAT customer service, BAD product enhancements. I'm going to write them a letter about adopting the Quicken new version.
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Posted by viperpa33s on 2006-04-17:
If you got a CSR by just pressing zero, don't know how you did it. I just called up Juniper Bank and also went through the menus, tried pressing zero and all I get is, "I'm sorry we don't recognize your last request."
Posted by good customer on 2006-06-26:
thywe say they will start to offer quicken in september..i hope so!
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Juniper Bank - unfair rate practices?
Posted by Cougar67 on 05/29/2004
FLORIDA -- Both my wife's and my credit card interest rates were raised unexpectedly, mine from 11.97% to 23.99% overnight. With today's rates so low, this is absurd. I had credit reports pulled by my bank and was told I had perfect credit. With today's rates so low, this is completely absurd. It appears after the 6 month introductory period, they raise the rates (at least for both me and my wife and people posting on this site). How long before a class action suit against Juniper occurs? We'll sign up if there is one.
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Posted by bill on 2004-06-01:
"It appears after the 6 month introductory period, they raise the rates". That's what a introductory rate means, after 6 months the rate goes up.
Posted by xaxphaanes on 2005-12-21:
i work for juniper by the way

also your rate doesnt go up that much just after a intro period you more than likely defaulted within the past 6 months since that is there penalty rate if you did it will go back down with 6 months of good history
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Credit Limit/Interest Rate
Posted by DieselBoi on 10/12/2007
HUNTINGTON, NEW YORK -- I've had my Juniper Bank Master Card for just over two years now. I am surprised at how many issues people have had with fees, customer service, etc. I have always been able to speak to somebody at customer service when I need to, I have never been charged superfluous fees, or had trouble with my payments posting immediately and then having the funds available to me. My issues are with the interest rates and my line of credit. Initially I received 0% APR for six months. This went well and at the end of the six months, the APR went up, it has continued to do so over the past year and a half until finally settling at 21.9%, my next highest interest rate on a card is 12.9%. In addition to that, I have not received an increase in my credit limit in over a year. I received several during the first year I had the card and have not since then. I use it regularly, never have missed a payment. Sometimes I carry a balance, but most months I pay it off. I have tried to run it up and then pay it off, nothing works. I even went so far as to call and request a limit, seeing as I'm an excellent customer and have stayed with them so long. I was told I would I wasn't eligible and would receive a letter explaining why.

All I received was a form letter telling me I couldn't request a credit limit increase. I find this to be obnoxious since I have good credit, am not in debt, and pay them regularly. The only reason I keep the card is b/c I hate switching all the time and they are currently my oldest account.
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Posted by Anonymous on 2007-10-13:
I believe that the account needs to be open for at least two years to be rated as "good". After that, the credit card companies evaluate your account performance. If you have never gone over the limit, always paid on time, etc., you should have received a credit limit increase.
Good luck.
Posted by Anonymous on 2007-10-13:
You have two postings here today, both extolling your good experience with sub-prime lenders. If your credit is as good as you say, why are you dealing with these bottom feeders at all?
Posted by DieselBoi on 2007-10-13:
KenPopcorn - I do have an Amex as well, which I'm happy with but it's not accepted everyplace. Juniper was the first card I got when I was in college and Orchard Bank shortly after, I got pre-approved letters in the mail. I was informed that it was bad for your credit to keep hopping from card to card so I've kept the Juniper one open since it's the oldest. I keep the Orchard Bank b/c although it's not the most presteigeous, they have treated me very well as a customer for the past year and a half. When they upgraded me to the visa platinum, they offered 18 months of 0% APR, who else offers that?
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No Customer Service Combined With Unjust, Rip-Off Fees
Posted by Sports on 04/20/2006
DETROIT, MICHIGAN -- I am being Ripped-Off by your policies of unnecessary FEES and scandalous customer service which I have just read about on the internet. I had the displeasure of having to be dealt with by someone yesterday (when I somehow slipped thru a crack in the option menu and got thru to a " {BAD} Relationship Manager " who must have her PHD in DISSERVICE. I have never in my life talked with anyone representing a legitimate business so obviously uninformed and incapable of doing anything except READING SCRIPT intended to GET ME OFF THE PHONE.

It is obvious that your bank or whatever it is will never compete with Capital One. The reason you don't have an option to speak with Customer Service is quite obvious. YOU DON'T HAVE CUSTOMER SERVICE!
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Posted by viperpa33s on 2006-04-20:
If you have a balance, pay it off as quickly as you can like I am doing. Then cancel the card just as fast. Juniper don't care cause they are realing more people in everyday just like they did with me.
Posted by good customer on 2006-06-27:
i had great service from Juniper.. Can I guess that you started randomly shorting at the service reps or were just plain rude. At little tip from someone who works in the industry....be nice to the person you speak to. They did not personally add the interest charges or late fees!
if you are going to be helpful on this board then at least geice specifics....why so mad in the first place etc
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Credit Fraud - Run, don't walk away from this company
Posted by on 07/27/2005
WILMINGTON, DELAWARE -- I attempted to apply for a Juniper Credit card at my local Apple store. I completed the online application, but when we hit SEND, a message was sent saying my application could not be processed and that I did not have a line of credit. I left the store assuming that no line of credit had been created in my name.

Later that day, I received an email stating that a line of credit with Juniper had been established in my name. When I tried to call them to find out how this happened, I was "greeted" with poor customer service (basically a bunch of rude young women with lots of attitude) who seemed to care less that a line of credit had been established in my name with no notification.
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Posted by Anonymous on 2005-07-28:
Wasn't the e-mail enough notification on the SAME day?
Posted by xaxphaanes on 2005-12-21:
lol people are so ignorant it is laughable and yes the e-mail on the same day was notification

websites have errors this is no big suprise so why are you mad when you wanted to get the credit but when you got it you are mad? that makes no sense and you dont deserve a credit card then
Posted by deeges on 2006-04-14:
i am having the same problem. first they gave me a credit card that i didnt ask for.I wanted a balance transfer for 5,000 and they told me they would have to get back to me next thing you know i get a card in the mail with a $1000.00 balance.So i called canceled the account sent them 1000.00 Next i get a bill for $5.00 so i send that in.Crossing in the mail comes a bill for$.05 cents that got shuffled in the clutter of my desk and next they send me a bill for $39.05 for a late fee.I tried calling no way to talk to a human then when i finally get to talk to someone they say oh sorry we cant do anything about it.I asked to be transfered to a account manager they said sorry it was against their policy to do that.I got very aggitated and now its been 4 months since i tried to close my account and i found this post in my travels.THis company sucks worse than ANY company i have evere dealt with!!!!!!
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Credit cards scams - the old bait and switch
Posted by Manny2100 on 05/01/2008
WILMINGTON, DELAWARE -- Like many other I have been taken in by Juniper / Barclay Bank. But unlike others I believe its time that Juniper Barclay bank be accountable for their actions. And I advise others to do so, first I suggest filing a complaint with the following:

1). The Better Business Bureau (in Delaware and in your state).

2). With the Federal Deposit insurance Corporation at www.fdic.gov

3). with the attorney generals office (in Delaware and in your state)

The fact is while we present our case on this web site it doesn't change the way Juniper/Barclay bank is doing business unless take a stand with the proper bureau's. Based on the number of complaints on this web site it is clear that Juniper / Barclay Bank presents a harm to the general public in the manner that they do business, I'm surprised a class action suit hasn't filed against Juniper/Barclay bank in the State of Delaware by the Attorney generals Office. So I suggest pressuring these organization to do so by filing your with them at once.
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Posted by madconsumer on 2008-05-01:
so what was it they did to you? a few details will help us greatly.
Posted by Anonymous on 2008-05-01:
Juniper is a bad cc choice no doubt but I don't see where they are criminal requiring government intervention. It's like if a restaurant served really bad food you wouldn't call the cops you merely wouldn't eat there anymore.
Posted by heaven17 on 2008-05-01:
Bait and switch again...oy.
Posted by bill on 2008-05-01:
"The fact is while we present our case on this web site" You have't presented a case here. What did they do? Where is the bait and switch?
Posted by Ponie on 2008-05-01:
Let's see--probably the following: Three or four late payments, couple of times over the limit, returned checks, etc. Those doggone fees! Manny, just take the bull by the horns and start your own class action lawsuit. You'll be doing society a favor by putting them out of business.
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Consumer Beware of Telemarketers Sales Rhetoric
Posted by Goldenlab on 01/28/2008
ILLINOIS -- Summer Bay Resorts ad attracted my curiosity. I thought that I was speaking to a Travel Agent. Later on I realized that I was speaking to a Telemarketer with rhetoric and pressure. In my excitement I gave my credit information and failed to realize that immediately $498.00US was immediately charged to my bank. During the cancellation period they refused to cancel. Meanwhile another charge of $30.00 was added. During this period of time Summer Bay decided to cancel my Las Vegas portion and failed to communicate with my correspondence. This included specific information of: the travel itinerary with dates, etc. FOR PERSONS WITH SPECIAL NEEDS.
including US Veterans. Our designer/engineer created special modifications on the LandSailers boats for persons with loss of limbs including a TWIN to accomodate 2 persons with/without disabilities as seen on:www.windline.net.

Summer Bay Internet advertisement states: Complimentary 3 Day with 2 Night Free Accommodation. Despite my repeated correspondence to their office, and speaking with several people, my being put on HOLD FOR OVER 30 MINUTES there was Zero communication. There was no itinerary, accommodation for anyone in LAS Vegas.
During the 60 day period of time I have corresponded with Juniper/Barclays Bank @ 1-877-390-4200. I followed their instructions "try and work it out with the merchant" and changed the account with presented additional information. This, resulted in a credit of $528.00 to my account.

On 01/24/2008 I spoke to Mr. Ken Branch of Summer Bay Resorts @ 888-782-9847 who spoke of a credit of $117.00. This included a NOW MENTIONED $30.00+$85.00 for the Las Vegas plan which Summer Bay cancelled without notice. Also, a 7 day cancellation.

As follow up I have: On 01/26/2008 sent a letter of cancellation, stating that Summer Bay is NOT Authorized to charge my bank FOR ANYTHING, with a request for a FULL credit of $528.00 unauthorized charged to Juniper Bank via SPECIAL PRIORITY mail with signature request. Also, informed Juniper of the above by phone and email. I do not understand the reason that JUNIPER BANK RETURNED THE DEBIT of $528.00+interest to me. This is UNFAIR as of today I have received NO SERVICES,CORRESPONDENCE. AGREEMENT FROM SUMMER BAY..JUST HIDDEN NON
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Posted by Anonymous on 2008-01-28:
I'm confused. You say that you did get a $528 credit, yet on 01/26/2008 you sent a letter demanding the same $528. Huh?
Posted by goldenlab on 2008-02-01:
The bank credited the amount in full...Then claimed they had not received requested information from me in time. Thus recharged my account. I have confirmation of signature within the time...So, something is wrong!
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