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Juniper Bank Complaint - Juniper bank should be given the corporate death sentence - CLASS ACTION TIME! - Mastercard
Mastercard - Complaint
FREMONT, CALIFORNIA -- This bank is by far the WORST bank with the MOST disruputable business practices. They unfairly charge late fees, their customer service is practically non-existent, and they should be destroyed.
It started with the first late fee on a payment that should have arrived on time. NONE of my payments EVER take more than five days to get ANYWHERE. To believe that the US postal system selects out their mail and delays it an extra two weeks is just not an idea I am willing to accept. It is NOT possible.
So we start with an absurd late fee of $39 charged inappropriately. Try calling. It is extremely difficult to find a way to navigate past their phone menu's to get to a live person. You also get a weird statement out of the blue stating that "Late fees are not reversible" or something like that on the recording... This makes you suspicious in the first place that they even HAVE a recording talking about their late fee policy and NOT letting you get to a person to discuss any errors.
I've always had to navigate through by other means (I think it was the "report a stolen card" path that gets through to a person.) Once you get through, you get a rude operator in the Philipines who keeps insisting she can't do anything and won't. So the first time I called was on April 22, 2006. After wasting a ton of time, and repeatedly insisting on talking to a supervisor or someone empowered to fix things, I kept getting the run-around and delayed on hold.
I told them to close the account. They kept saying I was responsible for the last set of late fee and interest which was about $58. I decided to just pay that and not risk it showing up on my credit card. Well... I was infuriated, and I KNOW that I mailed it that very day swearing to never have anything to do with Juniper or the Barclay group and advocate to everyone I knew not to use them.
It is impossible for the check to have arrived any later than April 27th, 2006. My mail is NEVER later than 5 days to anywhere in the US... usually it is only 2 or 3...
I get ANOTHER statement with ANOTHER late fee of $38 plus $1 interest on that late fee claiming that it was due on May 5th, and they received my FINAL (and I do stress FINAL - I will not give these a single thin dime more - I already gave them almost $60 they didn't deserve) check on May 8th.... April 27th to May 8th? an extra 11 days in the postal system or their receiving? No... that is not possible.
My wife called again, and went through the whole run-around again. This time she did get a supervisor to remove that last charge (we think).
We'll see if this is the last we've heard of it. I'm in the mind set to file formal complaints with Visa and Mastercard. It is clear that they have unscrupulous, dishonest, business practices. If I were Mastercard or Visa, I would dump them. Visa and Mastercard build their reputation on service. These guys do not uphold that reputation... in fact they discredit Mastercard (and I believe Visa issues through them also... but my card was a mastercard.)
These guys should be shut down. This is not the way to build a business. It's dishonest.
-al
[snip - personal contact information not allowed]
It started with the first late fee on a payment that should have arrived on time. NONE of my payments EVER take more than five days to get ANYWHERE. To believe that the US postal system selects out their mail and delays it an extra two weeks is just not an idea I am willing to accept. It is NOT possible.
So we start with an absurd late fee of $39 charged inappropriately. Try calling. It is extremely difficult to find a way to navigate past their phone menu's to get to a live person. You also get a weird statement out of the blue stating that "Late fees are not reversible" or something like that on the recording... This makes you suspicious in the first place that they even HAVE a recording talking about their late fee policy and NOT letting you get to a person to discuss any errors.
I've always had to navigate through by other means (I think it was the "report a stolen card" path that gets through to a person.) Once you get through, you get a rude operator in the Philipines who keeps insisting she can't do anything and won't. So the first time I called was on April 22, 2006. After wasting a ton of time, and repeatedly insisting on talking to a supervisor or someone empowered to fix things, I kept getting the run-around and delayed on hold.
I told them to close the account. They kept saying I was responsible for the last set of late fee and interest which was about $58. I decided to just pay that and not risk it showing up on my credit card. Well... I was infuriated, and I KNOW that I mailed it that very day swearing to never have anything to do with Juniper or the Barclay group and advocate to everyone I knew not to use them.
It is impossible for the check to have arrived any later than April 27th, 2006. My mail is NEVER later than 5 days to anywhere in the US... usually it is only 2 or 3...
I get ANOTHER statement with ANOTHER late fee of $38 plus $1 interest on that late fee claiming that it was due on May 5th, and they received my FINAL (and I do stress FINAL - I will not give these a single thin dime more - I already gave them almost $60 they didn't deserve) check on May 8th.... April 27th to May 8th? an extra 11 days in the postal system or their receiving? No... that is not possible.
My wife called again, and went through the whole run-around again. This time she did get a supervisor to remove that last charge (we think).
We'll see if this is the last we've heard of it. I'm in the mind set to file formal complaints with Visa and Mastercard. It is clear that they have unscrupulous, dishonest, business practices. If I were Mastercard or Visa, I would dump them. Visa and Mastercard build their reputation on service. These guys do not uphold that reputation... in fact they discredit Mastercard (and I believe Visa issues through them also... but my card was a mastercard.)
These guys should be shut down. This is not the way to build a business. It's dishonest.
-al
[snip - personal contact information not allowed]
Comments:
Posted by Doc J on 2006-06-01:
To save my poor fingers, look below at the "Juniper" post by "catnip123". The "corporate death sentence" on Juniper and other CC issuers will be carried out when enough CC holders defer their childlike need for immediate gratification, save money, and pay cash. I'm not holding my breath. Now, Albo, go back to your wallet and cut up the remaining cobras that are lurking in there.
Posted by CrazyRedHead on 2006-06-01:
Since you typed this complaint out I'll assume you have a computer. Why not go to there web site and pay them. They have the option of paying by CC or by check. With the CC option you don't need to put in your routing number or checking acct number. Or you can use your bank's bill pay. In todays age of computers there is no reason or excuse why a CC payment should be late. I never did trust the postal system to get anything anywhere on time.
Posted by yoke on 2006-06-01:
Start sending your payments with delivery signature requested. I had to do it a couple of times with a car payment to Ford before they started posting my checks in a timely basis. I would send the check at least 10 days early (this was before computers) and it was always late by a day. Once I started going to the PO and spend the money to send it signature requested they posted on time. The first month they didn't realize I had done it and tried saying it was late, but I had the proof they receieved it well before the day. After that no problem!
Posted by Barclaycard US on 2006-06-06:
Dear Al,
Juniper Bank, Member of the Barclay's Group, apologizes for the inconvenience you have experienced with your MasterCard. We would like to assist you with any questions you have concerning your account. You can reach us by sending a secure email using our website at www.juniper.com. We will respond to your email within 24 hours.
Sincerely,
Customer Care
Juniper Bank, Member of the Barclay's Group, apologizes for the inconvenience you have experienced with your MasterCard. We would like to assist you with any questions you have concerning your account. You can reach us by sending a secure email using our website at www.juniper.com. We will respond to your email within 24 hours.
Sincerely,
Customer Care
Posted by boykman on 2006-08-16:
Thannk-you so much for the information on Clinton Walker. I too had a late fee of $39.00 I felt was unfair, but got nowhere with the customer service representatives in the Philipines. They were rude and arugmentative. So I called the number you left for Clinton Walker and wrote an e-mail with my disatisfaction. I talked to a very nice lady named Stav who claims that my $39.00 late fee and finance charges are taken off. It just happened today so I will see if it shows up on my account tomorrow. I suggest people write an e-mail with their complaints to cwalker@juniper.com Maybe something can be done about these bank if enough people complain.
Posted by richdude on 2007-11-05:
Your right,THEY DO SUCH,I Think they are out right CROOOOOOOKS.They STOLE $39.00 fom me on the fist(and last)PAYMENT online.Some how one ACCT # DISSAPERED.So I sent a check in plenty time as to not be late,BUT they would not forgive the CHARGE.I CANCELLED.They are now sending me NEW Credit card offers,PLUS TO MY WIFE.I snd them back with message-SORRY WE DONT NEED YOUR ROTTEN JUNIPER-BARCLYS BANK CARD.
Posted by goldenlab on 2008-02-12:
Try opening a checking account with a neighborhood bank. Then, make sure you have the funds in the account. Call Juniper and make a phone payment from your bank. They will give you a confirmation #. Do not allow Juniper to debit your card automatically. Good luck!
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