Juniper Bank Consumer Reviews - Page 3

PHOENIX, ARIZONA -- Let me first start that I have had credit cards for over fifty years and have excellent credit. I have two credit cards with Juniper Bank, one of which was a promotion about a year ago and the other only since May. Two weeks ago I receive, through the mail, a letter stating that I'm four months past due on a Juniper credit card. I immediately researched my records and mail to locate any such statement, if indeed I received it. Not finding it I researched my checking with no positive results either. Alarmed that someone has used my card changed the billing address and who knows what else…

I must say like most people, once in a while, regular mail sometimes doesn't find its correct addressee. Not being able to locate the printed statement it, I contact customer service. It seems that with this credit card, the new one and only two months old, and unlike my other Juniper credit card and all my other numerous credit cards, they only send out electronic statements (email) unless you instruct them otherwise and pay a three dollar fee. I see, re-educating the masses again.

Normally they ask you after the fact if you want electronic statements. Strange that my other Juniper Credit Card doesn't work that way. After accessing my account which is now past due, four months according to the letter you can imagine what I thought. The customer service agent was quick to see and understand the situation… Three gold stars for him. His apology about the letter accepted and stated that it had been sent in error… Oh brother.

In retrospect I would have completely missed my payment schedule if I had not received the erroneous letter in the first place. He, the customer service agent gave me an option of writing a check or sending a payment in. So I opted, being old fashion and needing to be reminded occasionally, to write a check. I promised him that I would mail it today. It was a Thursday and I did. He did not mention any other ramifications if it were not received within the next five days.

The following weekend I attempted to use this particular card since it is now dedicated to certain expenses. It was declined, most embarrassing. I later tried to use it again and the same result raised its ugly head. Did I mention that I have a $20,000.00 plus plus credit limit on this account. I therefore contacted Juniper the following Monday and explained my situation and to find out exactly what the problem was. I have learned not to assume what these people are thinking at this point.

She stated that my account was frozen because they haven't received payment. “What”, I said, “not yet”. I was informed that payments are not posted to accounts on weekends and it would not post to my account until tonight and should show up on Tuesday… Card still on FREEZE. She could not change the status. Thank goodness for more bank credit card choices. My follow up email to customer service voicing my frustration only came back with a generic response and telling me the reason my card was frozen was that they had not received payment, duh!

Juniper Bank's customer services are almost non-existent. Thank goodness that I was or anyone else were in a crucial bind of sorts. I will discontinue use of both accounts in the near future. Oh, yes, I have received two apology letters regarding the four months past due episode both the same, just different dates. I guess they wanted to make sure that I got one, some computer.

Recently, I was offered a platinum m/c by us airways. As I fly frequently I accepted. Last month I was away in europe and used the card for car rental, all was smooth. This week I am in israel but at avis office I was told, my card was blocked. My balance stands at zero. Avis israel personnel were kind enough to contact juniper and as I went on-line, I gave the rep. All needed info. Then was advised by her I must call in 3 hours and talk to "security dept". Est was then 04:40 and avis israel was about to close down for the sabbath. Next day avis would open its doors would be sunday 08:00.

i realized I am not having my rented car today, but one cannot fight windmills, can one? Avis promised to save the booking for sunday, and I had to "kill" 3 hours till the lords at "security dept" would show up for work. The info. I received from mark, at customer security dept. Is as follows:" your account was blocked because the charge was initiated from outside the usa". I did not believe my ears! Since when are "platinum cards" or any cards, limited for usage in the usa only? Then he continued and asked me to clarify "some irregularities" on my credit report.

at that moment I realized, his previous reasoning was nothing but a lie. They blocked my card because they are not intelligent enough to decipher a credit report, that's all! Yet, he cannot own up to his ineptitude, so he covers it with this kindergarten lie of "charge arrived from outside the usa". Once I "helped" mark to understand those "irregularities", he became very gallant and promised: "this will never happen again".

i am scheduled at a business meeting on sunday early morning - in a city of approx. 240 Miles away from tel-aviv. Thanks to juniper bank, I am now faced with a catch 22 situation, namely: I need to hire a taxi for a cost of $200 - to get me on time to that important meeting, which is the cardinal reason I am in israel!

the issue is double folded actually, how is it possible that the charge on that card at a european car rental office, went through without a problem, although as you all know, europe is also (to date) outside usa borders. Yet at avis israel juniper bank had a flash realisation that "hei guys, israel is not in the usa - or is it?" and decided to block the card.

i intend to bring suit against juniper bank, for damages and emotional distress I had to go through from the time avis advised me my card is useless, until I ended my telecon with mark at customer security dept. I shall also advise the president of us airways of the whole episode, encouraging his company to switch to a more reliable & trustworthy bank, if he truly cares about us airways "frequent customers" - to remain his customers.

last is this: juniper bank had full my credit-report prior to accepting me as a customer, at us airways's request. Nothing has changed on my credit - report since I was approved, 90 days ago. What in god's name could be the reason that someone at this bank decided to take a 2nd look at my credit-report, and so soon following my "initiation" as a customer? Should any fellow readers wish to comment and or contribute, you are most welcomed.

thank you for taking the time to read my very recent experiences with that bank, whose owners is the long standing barclays bank of london u.k. I must take my hat off as a clear sign of respect to the british parent bank. I only hope that in case barclays bank's ceo carries a juniper "platinum" credit card, they would advise him that the u.k. Is out of the us int'l recognized borders.

the real problem with juniper policy is this: had security dept. Advised their customers service they blocked my card due to a, b, & c, - then the rep. I spoke to from avis's offices would be equipped to advise me the reasons and not just say: "i know nothing, you need to call security in 3 hours". If a bank wants to be respected by its customers, they should think ahead and offer solutions in real time, not just act as kindergarten children. Thank you again.

I know you probably have more important things to worry about, but I would like to make you aware of the sharp practices of one of your business partners and how it is reflecting poorly on your efforts to get this airline back on its feet. I am referring to your endorsement of Juniper Bank's MasterCard product. I previously was a holder of your USAir Visa Nations Bank/Bank of America card for many years and was very happy with it. The benefits promoted by the new Juniper card proved to be too much to resist and I signed up for it a little over 6 months ago.

The issue which proved to be the last straw involves a payment I made which Juniper deemed to be late although I paid it electronically through National City Bank five days before the due date. For this indiscretion, I was assessed a late fee of $39 plus a finance charge of $39.26 (on a $3,443 balance). Upon contact of the bank, they immediately waived the $39 fee but refused to do anything about the finance charge despite my appeals and the intercession of my bank.

I deducted the $39 from my payment, sent in the payment early and this month I received another $39.26 finance charge (on a $147 balance) because I deducted the payment that they told me they had excused. Their automated phone system will no longer allow me to even talk to a service person because I have cancelled my card.

Another indication of their poor customer service is that they do not support downloading of transactions into recent versions Quicken. This means additional time to enter these by hand for those of us who are used to such features by every other major credit card company. When asked about it, they are noncommittal as to when or if they will ever fix this yet their website encourages you to purchase the latest version of Quicken which will not work with their website. In short I get the feeling that Juniper Bank is a backwoods loan sharking outfit in it for the quick buck. They have no business being affiliated with a major airline.

WILMINGTON, DELAWARE -- I receive an offer in the mail monthly from Carnival for their fun points card - I used to get the offers for the sea miles one. Since I book carnival cruises, I finally took them up on their offer, lured in by the promise of bonus points and a way to get onboard credit, gifts on board the ship, or even a free cruise. I now have an account with them, and nearly 11,000 points but am unable to redeem them for anything. After numerous calls to some of the worst customer service reps I have ever dealt with, I got a call back from a supervisor who said they have a glitch in their system that is affecting many customers, and I can't redeem my points because of this.

Also, they are unable to override the system to do it for me. They have "escalated the problem" to their techs, are working on it, don't know when it will be fixed, but to keep checking back. This is nonsense. If they wanted to fix the problem (if it weren't to their advantage) they could, and according to the terms of the contract we entered into - they must. I can't tell them sorry, can't pay you because my checking account has a glitch - keep checking back and eventually you will get your money.

You can bet there would be a consequence for me, but no consequence for them in not holding up their end of the deal. Skip this card, this company ought to be hit with a class action suit. This is fraud, or bait and switch. If you are experiencing the same thing, please file a complaint with your state's attorney general. You can file a complaint online, it is quick, free, and a way to fight back without going to the expense of hiring your own attorney.

My Juniper Story. After getting my op-out letter from Barclays Bank of Delaware, the bank which puts out the Juniper Credit Card, I did a little Google searching and see I'm not alone. I've been a member for a few years with no issues till recently. I started with a limit of over $1500 and an APR of 7.74% which was great because I was able to close out an account with an APR that had a double digit APR. I was charge a small balance transfer fee which I was warned about in the fine print but it still made financial sense to go with the balance transfer.

So as time went by had no complaints or issues till the last few months ago, which is now more like almost a year ago. Back in the end of '08 I was going through the process of being medically separated from the army which took a great deal of my time away. So before things got too involved I set all my cards, to include Juniper, to automatically pay of the minimum each month.

The minimum payments for Juniper were much less, about $50 less, than the current interest and account protection that was being charged to my account each month. Soon those charges made my balance higher than my limit. It wasn't well in to the 3rd month of being over the limit that I was able to see just what was going on. And what I saw that even with my account being over the limit by almost $70 Juniper minimum requirement was twenty something dollars.

So after $117 later in over the limit fees I paid down the amount to within a hundred of my limit and paid $10 over what the last charges to my account was. And only after about two payments of paying what was needed, Juniper's required minimum, finally was more than what was being charged each month in credit protection and interest.

And just like most, Juniper's Customer Service department was no help in refunding any of those over the limit fees or changing my APR back to the 7.74% it was before these over the limit charges occurred. There was no changing anything. My APR went from 7.74% to 11.24%, 11.24% to 26.24%, and 26.24% to now 27.24% in the course of a few months with no written notices to inform me of the changes to my account.

Now in August my rate will be no less than 29.99% but I know, for the first time, have the option to reject these new terms which will terminate my account leaving me responsible for the outstanding balance. So that's my Juniper Story… Any feedback or suggestion will be welcomed.

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.

ILLINOIS -- Summer Bay Resorts ad attracted my curiosity. I thought that I was speaking to a Travel Agent. Later on I realized that I was speaking to a Telemarketer with rhetoric and pressure. In my excitement I gave my credit information and failed to realize that immediately $498.00US was immediately charged to my bank. During the cancellation period they refused to cancel.

Meanwhile another charge of $30.00 was added. During this period of time Summer Bay decided to cancel my Las Vegas portion and failed to communicate with my correspondence. This included specific information of: the travel itinerary with dates, etc. FOR PERSONS WITH SPECIAL NEEDS including US Veterans. Our designer/engineer created special modifications on the LandSailers boats for persons with loss of limbs including a TWIN to accommodate 2 persons with/without disabilities as seen on:www.windline.net.

Summer Bay Internet advertisement states: Complimentary 3 Day with 2 Night Free Accommodation. Despite my repeated correspondence to their office, and speaking with several people, my being put on HOLD FOR OVER 30 MINUTES there was Zero communication. There was no itinerary, accommodation for anyone in LAS Vegas.
During the 60 day period of time I have corresponded with Juniper/Barclays Bank @ 1-877-390-4200. I followed their instructions "try and work it out with the merchant" and changed the account with presented additional information. This, resulted in a credit of $528.00 to my account.

On 01/24/2008 I spoke to Mr. Ken ** of Summer Bay Resorts @ 888-782-9847 who spoke of a credit of $117.00. This included a NOW MENTIONED $30.00+$85.00 for the Las Vegas plan which Summer Bay cancelled without notice. Also, a 7 day cancellation.

As follow up I have: On 01/26/2008 sent a letter of cancellation, stating that Summer Bay is NOT Authorized to charge my bank FOR ANYTHING, with a request for a FULL credit of $528.00 unauthorized charged to Juniper Bank via SPECIAL PRIORITY mail with signature request. Also, informed Juniper of the above by phone and email. I do not understand the reason that JUNIPER BANK RETURNED THE DEBIT of $528.00+interest to me. This is UNFAIR. As of today I have received no services, correspondence, agreement from Summer Bay.. Just hidden non mentioned charges!

Frontier Airlines World Mastercard aggressively solicited my business @ the Denver International Airport on a trip this past year. The "offer?" A free R-T (Round-trip) anywhere Frontier flies in signing up for the "no fee," "low interest" card. REQUIREMENT: After the first use of the card I would receive the requisite mileage and R-T flight credit to use. KEY FACTS: I requested a hard copy of my monthly statements be sent to my home address and declined the soft or electronic copy by email, though provided my email address.

Result: Following the initial use of the card I received statements from a "Juniper Bank," which went directly to my SPAM bucket given I did not authorize "unsolicited" email and had received several from this "Juniper Bank." Nowhere in the agreement I signed with Frontier Airlines did it identify Juniper Bank nor Barclay's Bank as the administrator for the Frontier World Mastercard. Statements were NOT sent in hard copy, rather, via email from this "Juniper Bank," and I ignored the first statement having been spammed in prior months by this Juniper Bank. The names were in my SPAM bucket and filtered out.

Needless to say, nominal charges, <$50 accrued "late fees" of $29 for two successive months, along with finance charges. I would never have known of any charges, save recognize I had made one charge, in order to receive the free R-T ticket on Frontier and had yet to receive a statement at home. I checked my SPAM bucket, found three Juniper Bank statements and quickly realized I had received Frontier World Mastercard statements for the initial charge, along with, now, two late fees and finance charges.

CUSTOMER SERVICE??: I think not! Calls to Customer Service resulted in rudeness that defy description and a "Supervisor" I had asked for, telling me to pay the late fees and finance charges or I would accrue more late fees and finance charges. He stated he "did not care," that I had requested only hard copy by mail, not soft by email. I note many other complaints about this type of deceptive business practice; the name Juniper Bank and on the statements-soft copy- the contact name of Barclay's Bank, who apparently bought Juniper Bank's credit card business this year.

Anyone else had similar results? Contact me. I am working on a Class Action lawsuit to be filed against all three organizations, pending discussions with Barclays to seek resolution they promised me from the "CEO and Chairman's Office" with a return of the late fees and finance charges and yet did nothing. They are disingenuous to say the least and deserve to be singled out. This type of leadership cannot and will not be tolerated.

I STRONGLY recommend AGAINST doing business with this company. Well it appears that I am not the only one -- I was starting to think I was a bit nuts... my first payment was due in Aug -- only $5. I talked to a rep and then went online to set up an auto payment -- I asked the rep if I should pay the $5 while on the phone. He said no, that the auto payment would take care of it -- well the payment did not withdrawal -- I got late fees... $39 +$39, talked to another rep in Sep who checked the bank account number said the draft would go through and it did, but evidently she removed me from auto payment so I be darn in Oct. My draft did not go through, well since it is on the due date.

I did not know this until after the fact again $39 +$39 because the late fee puts it over the limit and then another fee -- they talked to me as if I have no clue what I am doing and of course their notes say different. I originally setup to make a payment of $60. Now today the rep says I am $130 over due, talked to me quite snippy like I was a scum bag and transferred me, the next rep talked down to me also. €”My statement said only $88.73 due. Now this shows me over due 3 times in a row, has hurt my credit and prevented me from getting a loan to pay off this stupid account €”and oh yeah I started with a lovely 8.99% interest rate which was quickly adjusted up to 31.74%.

I will also be posting the same information on pissedconsumer.com, complaintboard.com and make a complaint to BBB. I have informed Juniper (in writing) if they assist me in resolving the error I will report that information to all places I have made complaints. I have also informed them that I will provide the BBB complaint number to them. I will additionally provide links to these complaints. I STRONGLY recommend AGAINST doing business with this company.

PHILADELPHIA, PENNSYLVANIA -- I had watched a TV program about what bank companies do to try to raise revenues and I think I just uncovered another one that should turn into a class action suit. I must admit that at first, I really respected the bank as it honored its rate. At least until I changed my address. I was utilizing my brother's address as I was transitioning from the military to a more permanent location.

I used paperless delivery of statements (why not help out the banking institution cut down costs, right?). Well, the bank used this address change to send a notice that the account was going from a fixed rate to a variable rate (of course, you have a limited amount of time to respond and the bank has the authority to change the terms). I never received the notice even though my brother had authority to open my mail and inform me of anything pressing. A paperless email notification would have been nice, but that isn't the bank's 'policy'.

I tried to get it changed back to the original rate, but the bank would have none of it. So since it wasn't necessarily killing me, I left it alone. Until this month in which the rate went from 7.75 to 12.99 without any notices (customer service said it went out in late May, to notify that the new rate is effective the beginning of June). Some notice. You want to know why they 'sent' the notice to me? I updated my address again because of a typo.

I immediately closed the account since there was "nothing they could do". Don't worry though, I'll have everything transferred to another card that definitely is fixed-rate and have been with for over 22 years. Since I'm only one customer, they probably won't care, but if enough people read this, maybe some will be aware of this practice.

It was also convenient for them to cut off customer service for their toll-free number during this time also. I had to call their local number to finally complain to them. I'm done with these so called banking institutions and I'm going to stick with my credit union for the rest of my life. Beware if you move!