Juniper Bank Complaint - I tried to play fair and then I contacted the BBB
WILMINGTON, DELAWARE -- Not unlike most, I am in a bit of a financial pickle. Recently graduating from college again, exhausting my unemployment, 401K, savings, and patients while desperately searching for a job. I am convinced they must not exist anymore. Jobs that is... Unfortunately for all of us Juniper is still there like the playground bully, the jerk in traffic, the fly on an otherwise lazy summer day. I contacted Juniper's Customer Service Specialists, yes they are right they are very, very special. Liz was from pretending not to be in India, but her lack of basic English kind of tipped me off. I tried to explain my situation to her, and did so several times, but she just couldn't seem to get it. I explained that I was a recent college graduate and I was really struggling to find employment. But I wanted to make some payment to them, but was afraid I couldn't make the entire payment due at this time. Could you offer me some temporary options just for 6 months or until I get a job. I even told her that I hoped it wouldn't be 6 months and that as soon as I find something I would gladly contact them to get my payments back on regular schedule. She just kept telling me she could not offer me anything and that my minimum payment was $131. Funny thing was my payment had been only $68 for a long time, how was offering my a payment almost double going to be of any help? Liz told me did not understand why I have no money or income. She actually asked me, "Don't you have Medicare?" to which I calmly but firmly replied, "I am 36, not 90, and generally Medicare doesn't cover credit cards." So after a frustrating bit of time dealing with the "Specialist" I concluded that they would obviously rather receive no payment than work with me. Blocked their phone calls and set about drafting a letter to the big wigs at Barclays. Oh, Liz did give the address of the credit collection department where I could plead for lenience. Plead for anything from blood sucking credit card scum, not going to happen. Instead I filed the case with the BBB, because I just feel that this is unacceptable. I in good faith was trying to work out a temporary solution, but they won't play nice. Schoolyard Bullies! I wouldn't think it so bad I guess it I had been met with the same resistance from other creditors, but most were actually helpful. They are no saints, don't get me wrong, but truly understood that it was in their best interest to come up with some compromise and I will figure out a way to meet those payments because they worked with me in this difficult time. After filing with the BBB I received a response from the "Executive Office", oh goody! She basically stated they aren't interested in helping me. I owe them this money, and maybe I should go to Consumer Credit Counseling Service for help. I wonder if she's ever heard the phrase squeezing blood from a stone. Oh wait! I think the Executive Office has people to do that for them! I used to work around an Executive Office, they have somebody to do everything for them. I am drafting a second letter to the Executive Office, my response to their deep concern for their monies owed. They have made it more than clear that they are most definitely part of the huge problem with the entire country right now. Running around, unchecked, and allowed to treat people so badly, and profiting so greedily. And they will settle for nothing less than everything, I guess I have no choice but to give them nothing. I'd say send my account to collection, but they already have, and go ahead and try to collect it. As I told them I have nothing! No income, savings, 401K, rich dead relative, job, NOTHING! I think the best way to get some say in this is to contact the BBB, as screwed consumers I can't think of much else we can do but report their unfair practices and hope others look at that before they too are trapped in the same unfortunate situation a lot of us find ourselves in. I did end my stern letter to the Executive Office on a high note, wishing them a Christmas filled with poverty, unemployment, hunger, and all around misery. Where's Karma when you need it???