Juniper Bank Complaint - Juniper bank should be given the corporate death sentence - CLASS ACTION TIME!
FREMONT, CALIFORNIA -- This bank is by far the WORST bank with the MOST disreputable 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 Philippines 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.
[snip - personal contact information not allowed]
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