Barclays Compliment - Barclays eventually resolved my concern
Skeptical after a bumpy start, Barclays finally resolved my situation. My bank sent my automatic payment in early, and it reached Barclays on the last day of the previous cylce. I had two minimum payments in the earlier cycle, and none in the later cycle. Barclays (Juniper) emailed me to tell me I was late. I called and was switched directly to collections who demanded my checking account info for an automated payment and offered to waive the $25 late fee. I finally got to a manager who told me the "late" fee (in my case it's really an early fee) was justified, because it wasn't Barclays fault that I paid early. >:-( They addressed me as a deadbeat and behaved like automatons. They were intelligent, they understood, but they weren't motivated to satisfy me. It was like pulling teeth to get the manager to open a ticket. (Btw, this happened once with Chase and the first person I talked to provided satisfaction, the same resolution, immediately). I wrote a letter via a feature on their website, and the reply was "tough luck, you must pay the fee." The manager submitted the ticket with my request: reassign the payment to the cycle I intended, and reverse the "late" fee. By ten days later when I checked on it, I had one more confusing phone call with another manager, who eventually verified that the issue was resolved to my satisfaction.