London, England, Greater London
United Kingdom - E145HP
A few years ago, I received an offer for a low interest credit card from Juniper Bank (since aquired by Barclays). I accepted the offer and used the card for 2-3 years with no issues. Always paid bills on time; never went even close to the limit.
In June, we made a single large purchase on our Barclays Card which caused us to go over the limit by $50.00. Within days, I realized the mistake I made and went online to pay down the card before even receiving a bill. Did not think about it again.
Fast forward 30 days, and I notice the interest rate has increased from 11.90 to 27.8%.
I called the call center and spoke to a representative asking to reverse this change.
She clearly did not understand why I was complaining or felt justified in my request and kept saying "there is no other offer available on your account" . I don't think she understand that I was not looking for another offer. After much persistence, I was able to speak to a supervisor.
That conversation started similarly ... and I held firm - stating very politely and very clearly that I made a single mistake and even paid the $39 late fee without question. That I have excellent credit and that there was no way to justify this change. I explained that I saw two options 1) For them to reverse the rate increase or 2) I would pay off the balance by Close of Business and contact the regulators and my senator and representatives.
At this point, the representative agreed to remove the rate increase and tried to sell me credit protection ( I am not making this up) . I took down his name, operator ID, noted the date and time of the conversation and thanked him. This was over a week ago.
Today, I logged in to check on payment status and the rates was still at 27+%. Called the call center -... no record of the conversation... refused to allow me to speak to supervisor. I persisted and persisted but to no avail.
Of course, I will now be closing the account and contacting the US credit card regulators, and my senator and congressman. I will also follow up with Barckay "Executive office" via fax as advised by the Manila call center. Based on this experience and what I read here so far, I do not expect much.
I have NEVER been so outright lied to by a company before. I have worked in and managed call centers before and now how unreasonable people can be. I have dealt with so many escalations, I cannot count them. For this reason, I try very hard to be reasonable myself.
I also happen to know that the conversation was likely recorded. I plan to pursue this using lawyers if necessary. I will have the call records pulled and will pursue to the point of legal action up to and including class action if justified.
I hope you can learn from this tale and BE VERY CAREFUL when dealing with company. AVOID at ALL costs.
My account was first use feb 09 charge of 6.26, I never got a statement or bill, but recieved e-mail with a note saying your acct can be reviewed, when I pressed the link it prompted me to set up an account. Not wanting to set up a new account, and the e-mail with the "note to see account" was ignored. I never recived a statement by mail or phone call, I found out I owed barclay bank $126 on 7/20/09 due to a letter sent to me by discover card saying my discover card was cancelled due to the barclay visa account. I would have continued to incur charges on my visa account if it were not for the letter from discover card and then running a credit report to find I was deliquent on my account. This is all over $6.26 charged in feb 09. I have now had various credit cards cancelled, my credit report reflects negatively, and I ended up paying the barclay (Ll bean) credit card 51.37 over the phone for this 6.26 charge barclay if barclay group takes this 6.26 charge so serious as to add $100 in late fees and report it to credit agencies I feel I should have some defense in this matter.. I expect a reply or an adjustment in debt collecting and notification
This is send by barclays forgian bank. This is right or wrong. Please send answer as soon as possible
Terrible customer service. Terrible on-line reliability. Poor partnership choice for LLBean. Only keeping the card with low credit line for free shipping! Found new primary "rewards" card...
I have always paid my visa card on time, however, I received my mastercard and activated it on june 23, 2009. On saturday june 27, 2009 I was denied use and was contacted on sunday june 28, 2009 and informed that mastercard had not received my payment (Which I had sent to visa because I never received a bill from mastercard) and if I did not pay them immediately they would not the credit department and effect my credit they also wanted $15.00 for processing the payment. When I informed them I have paid the bill to visa they said that had nothing to do with them and I needed to contact visa myself.
Visa informed me themoney I paid them would be sent to barclays mastercard (Now I have a credit on my account)
I believe this could be a scam to get an additional $15.00 from hundred (Thousands) of card holder being force to convert fro visa to mastercard
I have never ever received such bad service from a bank and I have had accounts in many countries around the...
Terrible customer service. Just terrible. And here's my favorite part: Every time I call, I get a prompt to take a customer service survey. I passed the first time, but each call after - and believe me, there were about 8 more tries - I either selected it or asked to be transferred to the survey. Each time they hung up on me. Clearly the survey doesn't exist. I asked via email to have it sent to me - no dice. I asked a manager for it - no dice. I finally got a hold of a woman (aka the ironically named RELATIONSHIP MANAGER!!) and asked her to transfer me. She said, that's not available at this time. I said the woman on the automated recording walked me through prompts just 2 minutes ago. She asked me again who told me it was available. I told her. She said, well, it's not available now. I asked when it WOULD be avail. She said, maybe tonight. I asked her what time. Like midnight? She said, tomorrow morning. I asked her what time. Like 7am? She said, I don't have access to that information, try tomorrow. If it doesn't exist, just tell me. I would rather that than being lied to. They are ruthless when it comes to their fees, and I knew their reputation for that going in, but man, it's harsh. No wiggle room, no compassion, just mercenaries. And I guess mercenaries don't give out How Am I Doin' Surveys. NEVER. NEVER. NEVER DO BUSINESS WITH THIS BANK. YOU WILL REGRET IT, I PROMISE.
This bank is a fraud!!! Not only are they making money out of the outrageous interest fees that they charge (mine's is 27.24%), they are making money out of these over limit fees that they continue to charge even though I never went over my limit and ALWAYS paid my minimum payment on time! I got a $300 limit and made sure to stay below that limit. When I received my first bill, I already had a $39.00 over limit fee. They claim that the interest charge made my limit go over, my understanding from other credit card's that I've had is that if I don't pay it off the whole amount due for that 1st billing statement, then I'll accrue the interest charge. In other words, how was I suppose to know when to pay the minimum before the interest charge was going to be added when I hadn't even received a bill yet? Oh but it doesn't stop there...I have had 4 more over limit fees because every time I send in a payment and before the "due date", they claim that I should have sent the payment before the "23 grace period, which supposedly is before the interest charges are added". How is anyone suppose to know that you're suppose to send in a payment 2 weeks before the "due date" so that your interest charge won't be added? This is the most absurd thing I've ever heard. I called and have spoken to several representatives, which by the way are not friendly, they're rude and they don't seem to care about helping the customers. As a matter of fact, I spoke to a "supervisor" which was even more rude and not helpful. I don't think the customer service line is in the US because every time I call, I have a hard time understanding the representatives. Twice I called and asked the representatives that for example if I sent in $100 instead of the minimum due of $21, would that cover me and I won't be charged the over limit fee for the next statement, she said "yes, it will cover you and you will not be charged". Well guess what I had on my next bill? ANOTHER OVER LIMIT FEE! And again, I called to complain that the representative had previously told me that my $100 would cover me of any over limit fees and of course that representative said that she did not know why that representative said that and that "unfortunately" there's no record of me even speaking to anyone. So again, I asked her how much I would have to send in to cover my over limit fee and she said $90.00, I mailed in $95.00 just to be sure and guess what I got for the next monthly statement? Yet ANOTHER $39.00 OVER LIMIT FEE!!! I am so frustrated with this company and every time I call to complain, they don't provide me with another number to call the top executives of this company, instead they give me a fax #. What am I suppose to do with a fax #?!!
I want to start off by saying I feel sorry for anyone who has a credit card with this company. Read further...
I have been tryin since November 2008 to use my card. Firstly Barclaycard started sending my mail to Liverpool, France. It took five months to pursuade them that Liverpool was actually in England. They then sent me another card, the two previous were of no use. I managed to use the third one for all of twenty four hours and then it was blocked. I rang up and I was assured it was my fault for not putting the card in properly. Luckily I did not believe them and paid my last hotel bill with cash. This was to avoid the embarrasment I felt when the card was not accepted four days earlier. Today I decided to try it to see if it was working, of course it wasn't.<br />
I am sorry to bother you in this way, and as I have been a client of yours for approx. thirty years I have turned to you for help. I can assure you I have tried every thing I can to find the complaints department at Barclaycard Visa.<br />
I await your advise.<br />
I have been a credit card customer of barclaycard for more than 20 years. I have a spotless credit record and...
Was offered 35, 000 USairways Frequent Flier Miles to open USAirways Mastercard. Read offer sheet thoroughly...
I had inherited this credit card because llbean changed visa providers. I noticed in my bill that they were...
My husband and I tried to withdraw some of our available funds from our joint account as my husband needed...
Dear barclays bank,
My name is joseph baraka ngoviro and your three years customer with your barclays bank in tanzania - arusha branch, i'm working with conservation corporation africa limited - trade as & beyond. I, as the customer with barclays bank tanzania - arusha branch would kindly like to bring into your attantion the followngs complaint's regarding my loan application / poor handling of my loan application... December 19th 08 last year,
I did made and processed a re-loan application at your sopa plaza in arusha branch - tanzania. According to a loan processor, by then neema kweka, she said if all is fine with your document, the loan should probably get into my account not late than three weeks from the day applied which is okay for me as I do remembered waiting the same time in my privous first application applied on the year 2007 which came into success after three weeks of application.
This time I have waited for three weeks of my dec.19 - 08 application but there was no success only to find out that barclays bank dar es salaam sent back my document to arusha branch only because of missing some informations. Getrude, this time was handling the matter after neema kweka left for her martenity leave and that was in mid january year 09, I then asked getrude what was a problems for the document to be sent back to arusha? Did barclays bank refused my application? She said no but some information are missing, then I said to getrude, do I required to come to your bank and re-fills those missing information? She said no... We shall do our self at the bank. Means that they new what was missing and they should have done it in the first time of application... !!
Anyway, I said its okay getrude coz mistakes happens sometime, then I started waiting for another three weeks, total six weeks!! But today I was shocked again after not even six weeks but almost ten weeks since waiting and she just sms through my number and said, hi, I am sorry to tell you that your loan application has some missing information again with our systerm on your date of birth, she ends up said, I have just received documents from barclays dar es salaam... Thanks barclays bank.
Anyway because I really needed that loan for my personal issues, I decided to phone getrude back and asked, what has happened again... ?!! She said the above is missing and barclays bank are no longer processing any loan... !! But asked do you know how long have applied for that loan? She yes but sorry we can't do any process for now.
I want to ask barclays, is it the way to handle your customer issues??? Why did this happened like that? I'm so much angry to the way I have been served despite being a very small customer... !!! I have never had any problems with my loan re-payment since my first loan 2007.
As I work as the camp assistsnt manager in one consarvetion corperation africa propeties in serengeti national park, I have never try to upset my customer just like that... !!Because I know what it mean for them to travel with my company properties... ,
I don't think barclays does the way it supposed to during my service... !! And I wonder why as your small customer... !!!
Thank you so much and looking forward for your help in this matter,
Joseph baraka ngoviro
I have a US AIR Credit Card and made regular payments through my checking account. The amount is usually $50 more than the minimum to account for additional charges. The payment is automated and scheduled to arrive 10 days before due date.
I made a payment of $650 one month which turned out to be $25 less tanh the balance due. When they notified me, I sent the additional money and adjusted my future payments.
I was told the this is considered a late payment and they raised my interest rate to 27%. I called them but could not get any answer other than 'there is nothing anyone can do'. I asked for the customer service manager and was told there is none there at the call center in the Philippines.
I asked for a name and phone number for someone in the Delaware Headquarters and was told they didn't know anyone there. I asked for the name of the head of the bank in Wilmington and was given a fictious name that didn't exist.
To this day I have not been able to get a name to contact. I have never missed any payments in 40 years and this is the way they treated me. I had a problem with Citibank and called them and they took care of it immediately.
Don't deal with foreign owned banks that are afraid to get customer service calls because they know how bad their service is.
When the bank solicited me, they indicated it was a 'special deal' for Travel Agents like myself involving specialized points for travel and an opportunity to earn larger commissions from their travel partners. Fraudulent Representation.
As with so many others writing a complaint here, I too fell victim of them illegally withholding funds that cleared the bank. That's when I canceled the card.
After the account closed, my insurance carrier inadvertently charged something in error on the closed account. I filed a dispute with both Juniper and the insurance carrier. It took 30 days for the insurance carrier to process the credit.
Juniper added a $39 overlimit fee, a $29 late fee as well as increasing interest on the incorrect billing. Although Juniper processed the credit for the initial disputed charge, they are ILLEGALLY charging the $39 over limit and $29 late fee in addition to 31% interest on all the the incorrect billing.
Now, the kicker is, Juniper refused a physical address to Fed Ex documentation to remedy the matter. I contacted the Department of Banking and Insurance receiving a physical address as well as the president of the Credit Division, Richard Vauge.
A package was sent containing documentation and a formal letter of dispute FED EX. Juniper refused to accept the package and sent it back. They continually refuse to accept any registered documentation that would 'hold up' in court and disregard all inquiries sent to the PO Box on the statements.
Oh, and the FTC sent their same usual response - a pamphlet outlining my rights and an apology that all they can do is monitor the activies, but not ENFORCE any existing consumer protection laws.
What do we have to do to give the Dept of Banking and Insurance TEETH to SHUT disreputable businesses down.
I signed an agreement with Barclays Bank for a Juniper credit card with a specific credit limit. I had it for 6 months, and intended only to use it when I needed it. So, when I needed it, I used it, but I did not max out the card. I only used 1/3 of the limit.
So Juniper/Barclays decides to 'lower' my credit limit to less than the balance I had just used. So basically, I am now $45 over the new limit! And oddly, my Dec statement still shows my original credit limit (not the new lowered limit). But they emailed me to inform me that I am 'over' my limit!
I called them and explained that when I signed with them, my limit was a specific amount; I am a customer in good standing; I have not abused the credit card; but they chose to lower the limit to less than I had charged! I said I wanted my original credit limit put back on the card!
I also let them know that if they dare charge me an 'over-the-limit' fee that I won't be paying anything on the card, and they can just deal with my attorney.
But they said they reserve the right to lower the limit. On a customer who has not abused the card? Yes, because I didn't 'use' the card! How absurd is that!
So apparently, it seems to me (IMO) that Juniper/Barclays would prefer customers who 'abuse' the card, max it out, and then don't pay, so Barclays can spend hundreds of dollars trying to get the balance of the card, opposed to a customer who does 'not' abuse the card and only uses it when necessary, and pays on time! I guess I should have 'abused' the card! That seems (IMO) to be the only type of customer they prefer!
So IMO, and from my experience, I recommend you do NOT get a Juniper/Barclays card. Sure, all credit cards are a rip, but it's worse when they 'punish' a good customer for 'being' a good customer. And I just want to warn the public. There are enough legit and professional companies out there without using ones who rip you off!
I have stumbled across this website, primarily to vent my frustration in having to deal with a bank who obviously have no concern for their customers.
I rang the customer service line over 4 weeks ago to arrange an appointment at my local branch to pick up £3500 in cash from my ISA. The customer manager assured me he had sent a fax to have the money ready after 48 hours. When i arrived at the branch the appointment had not been made and i was forced to wait and then the collection was given to me in £10 notes. thats fine, not a huge problem. I hav'nt dealt with my bank much, my expectations are fairly low, the fact is i got it and was happy. The cashier at the desk confirmed back to me that i wanted this amount taken from my ISA. I also found it strange that i was told on the customer service line that i would need two forms of ID and proof of address, which i had ready and yet was not asked for any of these, even when prompted she said it was OK.
I arrived home from work that evening and tried to make a top up on my mobile phone only to discover i had insufficient funds. The cashier had taken £3500 from my current account instead of my ISA and put me £2500 over my agreed overdraft limit! It amazes me how this girl was able to obtain authorisation to be able to do such a thing.
That night i called barclays customer service again to complain and request the the money be transferred into my current account. I am a very easy-going person and it takes alot to get me angry however after being told that they could not do this as i had to call the savings and investments team, although they were only open between 9 and 5, my patience began to fail me. At this point i asked them if they would be able to organise me a call back to be able to do this, as i do not have a land line i should not be expected to call a premium rate number due to an error made on their part. I was put on hold and subsequently hung up on. After calling back again to speak to someone else i was assured that no charges would be made on my account and that unfortunately i had no choice but to call this other number myself and that all they could do was lodge a complaint.
The next day i successfully managed to transfer the funds myself by calling the savings and investments team. Later i realised i had been charged for going overdrawn confirming that Barclays have done absolutely nothing to satisfy my request besides sending me one letter assuring me that i would recieve a reply to my complaint before a certain date and then a second letter extending this time by another month.
I have since received a letter from a customer relations case manager stating that they hope thay have answered all of my concerns (with no mention to the charges that gave incurred, reminded to them in a complaint by email also!) and that "in order to prevent this from reoccurring please insure that all of your transaction details are confirmed to you before they are processed." I can't help thinking that surely having had the cashier ask me "so you want this from your ISA then" should be enough confirmation for anyone and in order for it not to re-occur then surely i should expect more from a complaint resolution letter than what I CAN DO!
As i have not received these charges back yet i will be speaking to customer non-services again on Monday to attempt to resolve this matter.
I would advise anyone to stay away from barclays. I understand that the lack in real competition between banks and the hassle that can result in trying to change banks has resulted in them not having to even attempt to satisfy customers needs however this will not be stopping me from leaving them, i plan to do so immediatley after obtaining my charges back...which probably will not be anytime soon.
please, i would like to know if this mail is really from the barclays international bank in the UK and also...