Juniper Bank Complaint - CLASS ACTION SUIT ? Juniper is withholding statements to force customers to pay late
I saw another post from a week ago mention a Class Action Suit against Juniper. I have felt for a long time that this bank was handling their affairs unethically. First, they pushed me into balance transfers with 0% interest offers they were calling with every other day. I rolled balances over just to shut them up and stop the calls. Then after 6 months they hiked my rate to almost twice what they told me it would be after the promotion, saying that they had the right to do so because I was carrying such a high balance ($5k). A balance THEY pushed me so hard into. My payments skyrocketed and when I complained, they hung up on me.
Next, they pushed me to get paperless statements, stating that as part of the package I would receive email alerts informing me of upcoming due dates, approaching credit line, etc. I signed up, and in the past 24 months, they have neglected to email me my statement 9 times. They have also neglected to send me my due date alert 7 times. I missed a payment because of this, and they hit me with a $39 late fee which pushed me over my credit limit by $2.00 so they hit me with a $39 overlimit fee. If that wasn't bad enough, when I went overlimit, they increased my APR from 24.99% to 36.99% !!! When I called to complain, they told me their records showed all emails and statements being sent without problems. When I asked if they could send me a copy of what they considered proof of this, they told me they didn't have to. I asked to enter a dispute, and they told me I could only send disputes in the form of a written letter via snail mail. When I asked for the address, I was told I had to be transferred to get it, and then I would be hung up on.
I really believe this bank is running unethical and even illegal practices against their customers, and I would not hesitate to join in on a class action suit against them if anyone knows of one.