Juniper Bank Complaint - Barclay's/Juniper Bank is completely unethical
DELAWARE -- I had signed up for a Barclay's VISA through the Apple Store so I could purchase a new iMac. The card was sold to me as a 'one year/same as cash' deal that if I had the amount paid off one year from the time of purchase I would be charged no interest, no fees of any kind. So I started making payments that month. As of July of 2010 I was only $295 away from paying off the total amount, which was about $2,300. The account supervisor kept insisting that my account was late because I had not timed my online payments to coincide with my cutoff date, despite the fact that I would make one payment and then another two weeks following, and then another three weeks following, etc. So not only was my account now in collections, I was being slapped with a $39 late fee, and they were raising the interest rate (which I guess was moot since I was not supposed to be paying any interest if the amount were paid off by a year from date of purchase). She kept insisting that it was a 'legitimate' charge and that I needed to be a 'better consumer.' Holy cow that made me angry. I would not let up. I insisted they take the fee off ("I can't do that" "Yes you can. If you can't, get me someone who can" "I'll see what I can do ...") She finally agreed - implying heavily that she was doing me a huge favor and would probably get into trouble - to remove the late fee. While on the phone I paid off the balance and then canceled the card. While I was on the phone waiting for her to check my account status and figure out how she could possibly remove the late fee I put 'Barclay complaint' into Google. I was astonished at the number of hits. It seems no one has had a good experience with this outfit that seems to run much more like a mob than a business. From the reports I read, and from my own experience, they do not give a tinker's damn about their customers, and will do anything to extract any extra money they can. After the amount was paid off (still on the phone) I informed the account manager that I was canceling my account. 'Are you sure?' she asked, and sounded genuinely surprised. 'Yes. I am sure. Cancel my card, and you can be sure I will never sign on for another Barclay or Juniper product ever again. Furthermore, I am going to register as many complaints against your unethical and unscrupulous tactics as I can.' I have gotten several addresses already (Better Business Bureau in Delaware, where Barclay's Bank operates in the US; Apple HQ, who signed me up for the card) I will trumpet from as many hilltops as I can find: Barclay's Bank is bad business. Stay away from this abusive, unscrupulous organization.