Menu
CB Banks Barclays Bank Unfair practice for balance transfer
Barclays Bank

Barclays Bank review: Unfair practice for balance transfer 116

A
Author of the review
8:40 pm EDT
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Featured review
This review was chosen algorithmically as the most valued customer feedback.

I had inherited this credit card because llbean changed visa providers. I noticed in my bill that they were offering a 2.99% interest rate for the life of the balance for any balance transfer. When I called, I specifically asked customer service rep about any hidden charges or fees I would incur by transferring a balnace. The answer was no. I asked this questions three times! All resulting in a no answer. The customer service rep, peter, told me that I did not have to use the checks enclosed in my bill and he would be more than happy to transfer the balance over the phone. Well, beware of the helpful customer service reps...

I received a 3% charge on my balance for the transfer. I immediately called and spoke to supervisor loita mcneal. Basically, her answer was we don't care that you are upset!
The kicker is that I didn't even request this card. I got stuck with it because its who llbean has decided to give their visa services to. So, after I check the fine print on the back of the statement, I will pay off the balance except for the 3% charge and only pay them monthly the smallest amount possible. Now, I will cost them money to maintain, in good standing my balance for their delightful charge for screwing me!
Angry in new jersey

Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

More Barclays Bank reviews & complaints

Barclays Bank - Draft is original or not and send this name or not 24
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Barclays Bank - Fraud and scam 6
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Barclays Bank - Is the message below true and what is the name of their fund transfer unit manager? 13
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
Barclays Bank - Apr charged 7
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.
116 comments
E
E
Etownster
North Kingstown, US
Sep 15, 2010 6:35 pm EDT

Since switching from BOA to Barclay's Bank LLBEAN VISA card we have had a stream of irritating and intrusive alerts coming in by phone and email. All related to local and routine, repetitive purchases such as gas and groceries. It would appear that their "Security" branch does have a clue. Since the pattern of our purchases is so predictable one has to wonder what sort of Keystone Cops are manning the fraud desk. And don't think we haven't told them each time we call to confirm the charges. Their response is inane... "it is all just a routine check."

We have never had a security issue. Never filed a complaint. Never pay late. We should be invisible to them. I mean nada but these folks can't control themselves. Whenever we travel we alert them to our itinerary which has helped but even that precaution hasn't been foolproof. I wonder if Barclay's has been hiring the same ex-fast food service workers who flocked to Homeland Security a few years back.

I've told my wife to dump LLBEANVISA but she loves the free shipping. LL BEAN... are you people asleep up there in Maine?
Wake up to the complaints and fire Barclay's. You are tarnishing your usually excellent customer service reputation!

S
S
stinko
Mississauga, CA
Aug 16, 2016 6:33 am EDT

It sounds like you beleived something that was too good to be true.

The way these investments work at a high level are as follows:

$5000 now is worth $7, 000 in 5 years.
Therefore, $3600 now is worth about $5000 in 5 years.

So... the company will take $1, [protected]) and basically invest it in something really risky where that $1400 might triple. ie. a penny stock, derivatives, roulette table, whatever. that's how they can make things double.

Unfortunately the company lost the bet. But... I wouldn't be too upset. You didn't lose your principal and interest rates suck now anyways.

What you should do it just buy a low cost index fund and let your money sit for 20yrs and grow.

J
J
jbsg
New York, US
Jul 26, 2010 6:46 pm EDT

I am a reporter with the Wall Street Journal. I'd like to hear more about your experience with Barclays bank. If you are willing to share that with me, please contact me at [protected] or via email at jessica.silver-greenberg@wsj.com

B
B
boxFrontier
Avon, US
Aug 16, 2016 6:33 am EDT
Verified customer This comment was posted by a verified customer. Learn more

Wow, what a joke of a bank. Barclays Bank's customer service department is by far THE worst I have encountered. I am surprised Frontier Airlines has not moved on to a different bank to administer the frequent flier credit card offer. The customer service at the bank is the worst I have ever experienced.

If I did not love Frontier Airlines and want the mileage credit I would have dumped Barclays Bank long ago.

Seriously, I do not understand how a company (Barcays) can stay in business with the poor customer service, lack of follow through, incompetent employees, not well-trained employees on their own products (e. g. stating they don't offer a "Pay Pass" credit card through Frontier Airlines, when they do!), weak supervisors, not calling back within 24 hours as they state a manager will do and managers not even aware of what the problem is.

This goes back to mid-May when I was sent a new credit card because I was "upgraded" to a better card. Two months later and nearly 30 phone calls and I don't have resolution and continue to get incompetent customer service employees who give me incorrect information and do not seem to care to fix the situation. Stay clear of getting one of these cards if you can help it. (I read the negative post by a person who "was roped" into one there at the Denver Airport.)

I am so disappointed in this product, Barclays Bank, any Barclays cards, especially the Frontier Airlines Barclays MasterCard, the incompetent call center they use in Manila, the uniformed bank customer service personnel in the U.S. who do not follow through and seem uninterested in helping, Frontier Airlines.

There are other better choices out there. Be aware - Mike

H
H
Hephaiston
, US
Jul 17, 2010 4:20 pm EDT
Verified customer This comment was posted by a verified customer. Learn more

I had signed up for a Barclay's Bank VISA to purchase my iMac last December for 'one year same as cash.' I was making payments about 20x the minimum or more ($300 rather than the $15 mimimum). So I was understandably confused when I got a call from Barclay's that my account was past due and they were tacking a 'service fee' onto my account. I spent half an hour with someone from the bank who insisted that since I didn't time my online payments to arrive by the 13th of each month I was behind. 'No, ' I pointed out, 'I am ahead. By at least $1, 500. I should not have to make any payments at all according to the agreement I originally signed up with.' She insisted that I was late, and that their late fee was justified. I demanded to speak with her supervisor, who talked to me like I was a child. 'The payments have a due date, and you missed your due date, ' she said. 'You have to follow the rules.' I tried to keep my patience, but I failed. I accused her and Barclay's Bank of unscrupulous lending practices. I demanded she remove the $39 late fee from my card. 'I can't do that, sir, ' she said. 'This is a legitimate fee. You need to prove in writing why it is not a legitimate fee.' I happen to know that she was telling a lie. 'You do have the power to waive the fee. If you don't, then put your supervisor on.' She insisted that I had reached the top of the chain. 'Then remove the fee, ' I said. 'Do you not care about losing a customer?' She stuck to her script. I demanded her name - she only gave me her first name. 'But you have my full name, my bank account number, my social security number. I want your full name.' She provided her 'badge number.' I kept insisting she take the ridiculous fee off, which she finally consented to do, as if she were doing me an IMMENSE favor and going against all the rules. I then paid of the remaining balance and canceled my card, while on the phone. She had the audacity to say, 'Are you sure you want to cancel your card?' I paused. 'You're joking, right?' I asked. 'No, I just want to make sure you are sure you want to cancel your card.' After checking the internet I find that Barclay's has tens of thousands of complaints registered against them, for unscrupulous practices, for hidden fees, for bait-and-switch practices. How can a company like this survive? I will never, ever, ever sign up for another in-store credit card. And it goes without saying that I will eat a ton of gravel before I will take on any Barclay's credit card ever again.

B
B
bubba02460
, US
Jul 09, 2010 12:44 pm EDT

PLEASE CONSIDER OTHER CREDIT CARDS. THIS ONE IS AWFUL.

I received an unauthorizaed charge. My calls to VISA were totally a waste of time.
I called the vendor, the vendor issued a credit, VISA did not post the credit until 32 days later. That was after tons of phone calss and emails.
Now I have a late charge and fee for a bill I should never have gotten.
I am still awaiting for my refund for the bill that I should have never gotten.

PLEASE CONSIDER OTHER CREDIT CARDS. THIS ONE IS AWFUL.

B
B
Bub in Berkeley
Oakland, US
Apr 20, 2010 4:16 pm EDT

me too. Mailed the payment on a Monday, & got a $42 late fee because they said they didn't get the payment until the following Tuesday. It was due Saturday. It does not take 8 days for mail to get from CA to PA! This is a scam if I ever saw one. They refused to reverse the fee, but I'm going to call again.

P
P
Patrick in Menlo Park
, US
Jan 09, 2010 4:56 pm EST

My wife just cancelled her LL Bean Barclays Visa card because of similar dishonesty by them. She paid two weeks early, and has in fact never had a late payment on any credit card ever and never pays interest. But they held her payment in their mailroom for two weeks, then charged her $39 and interest.

She called to complain, and eventually got them to reverse the $39. When they would not reverse the interest, she told them to cancel the card. Then they told her (tit for tat, like a child) that they would not reverse the $39 then.

She cancelled the card anyway, and we will certainly not pay their bogus $39 or interest charge. I will be writing the California attorney general and the FTC to complain.

And most importantly, we should stop using Barclays and LL Bean. It's just not worth dealing with such dishonest companies. Please forward this message to everyone you know, and maybe we can help boycott them out of business.

M
M
mandamoose
Canaan, US
Dec 03, 2009 8:01 pm EST

O happy day to see I am not alone. On the one hand, I am sad because I've always loved LL Bean, but on the other, I REFUSE to do business with this horrible Barclay's, so I canceled their card. I actually did more shopping at Lands End this year for Christmas, even though I prefer LL Bean, but on principle I am just not going to forego the free shipping and monogramming I used to get. I had a $0 balance forever on my card, but missed a $4.67 payment (that's right, FOUR DOLLARS AND SIXTY SEVEN CENTS) that automatically posted to my account after I failed to return a movie to Blockbuster. I'd forgotten that I used my LL Bean card as my default card there. One day out of the blue, I received a letter from Barclay's stating that they were a) reducing my credit limit, and b) raising my percentage rate to something crazy (I think it was over 25%) because of "too many late charges." Um... what? For a balance under $5 that I missed ONCE? I was so outraged that I immediately canceled the card. As the above posts concur, I was treated like a sack of you-know-what from the guy at Barclay's. The woman at LL Bean could not have been more courteous, and suggested that I state my complaint to her so that she could record it. Apparently LL Bean does take complaints seriously, but if they were really serious, they would ditch Barclay's. I will do what one commenter did, which is write a letter to the LL Bean CEO, but somehow I doubt that will fix it. It's a sad day for LL Bean when they are literally losing customers because of a stupid decision to move to Barclay's. Bah humbug!

E
E
Eileen M.Callahan
Mount Arlington, US
Nov 22, 2009 6:48 pm EST

Please, please
I do not want checks sent to me.
I have my own checking account.

Eileen M.Callahan
31 Hickory Way Mt. Arlington N.J
07856

N
N
nothappymn
, US
Oct 07, 2009 10:04 am EDT

Glad to see I'm not alone. I have been an LL Bean customer for 20 years and have never had a problem with them or their credit card companies until now. Barclays has not sent me a bill for the past two months and then has called to collect payment over the phone. When this happened the first time, the customer service rep said that the bill may have gotten lost in the mail. In any case, they jacked up my APR to 22% even though I have never been late or missed a payment in the past. I negotiated a lower rate of 20% which is still complete robbery, in my opinion. Last night I received yet another call notifying me that I had not sent in a payment for September. While on the phone with customer service, I physically went through my checkbook register, my bank statement online and my "current bills folder." I realized that once again, I had not received a bill from them! I have excellent credit (well, I did prior to working with Barclays- don't know how this has affected me) and I am very diligent about paying every single one of my bills in a timely manner. Of course they treated me like any deadbeat credit card holder who claims not to have gotten a bill. Outrageous! I have transferred the balance of my card to another card with a 7.14% interest rate and am closing my account with LL Bean. Barclays needs to be reported to an entity that can deal with their fraudulent practices.

C
C
CNMC
Lee, US
Sep 20, 2009 4:07 pm EDT

I just canceled my LL Bean credit card, too. I noticed my interest rate jumped up to over 26%. When I asked why, the "relationship manger" from Barclay's couldn't tell me, but said that there were many people paying higher rates. I've always thought LL Bean was a socially responsible company that cared about its image and the people who shopped there. I will call LL Bean tomorrow to let them know that my family, which has a tradition of shopping at LL Bean for more than 50 years, will no longer shop its catalogs and stores if they continue to put their name on Barclay's credit cards.

J
J
JohnInConnecticut
Riverside, US
Aug 17, 2009 10:31 am EDT

I just cancelled my LL Bean card. I happened to notice the interest rate had gone for around 11% initially when they took over from BOA to 26%. When I called them I was told it was due to 2 late payments putting me in default. I always pay the entire balance every month and to payments in question were applied 1 day late. Their service rep was at first seemingly helpful and said they could lower the rate, and transferred me to the person to do that. That person said they could lower the rate to 23%! End of conversation. I am now writing a letter to the CEO of LL Bean to let them know that a 20 year + customer is now history.

J
J
jwalkervermont
Newpor, US
Aug 13, 2009 1:13 pm EDT

I join the list of people who feel screwed by Barclays Bank and by extension LL Bean. Like others I had enjoyed shopping LLBean. When Barclays took over I received a balance transfer offer which I accepted. At the time of the balance transfer I had a small balance with them of around 90.00 with 15.00 due. I had always paid my bill on line to keep the finance charges low but for this particular month I did not receive the email that my statement was ready. When I did check I noticed I was two days past the due date. I paid the total amount immediately figuring I might get the late charge but will call them and explain. When I got my next statement not only did I have the 35.00 late charge but the interest rate had jumped to 28%. They credited the late charge but would not lower the rate so I cancelled the card. That move seemed to have upped the rate on the balance transfer also to 28% (although it probably would have went up anyway). I then moved most of the balance to a BOA Credit card with a 2.99% rate. That left me with a balance of about 500 plus dollars. But because they do the daily balance thingy my August bill had a finance charge of 110.00 since they didn't post the transfer until 7/31. That left me with a balance of 659.00 which I just paid in full even though I could't really afford it at this time but I did wanted to be rid of them. Needless to say I won't be shopping LLBean until they ditch this card company..

J
J
JessicainMaryland
Baltimore, US
Aug 07, 2009 11:34 am EDT

I just cancelled my L.L. Bean Visa after having it for more than a decade. The interest rate jumped from 10% to 29.9%. Bank of America, which you may recall had the L.L. Bean Visa before Barclay's, gave me 1.9% on everything I transferred and then a fixed rate of 11% after April 2010.

I am so turned off that when I did my kids' back-to-school shopping this week, I went to LandsEnd.com. (And they were having a sale!) I love L.L. Bean, but not enough to have a 29.9% APR and bad customer service.

B
B
blbny3
Butte, US
Aug 07, 2009 12:05 am EDT

Hey, you can still get free shipping without using that awful credit card!

Visit http://www.retailmenot.com/view/llbean.com
for the free ship coupon code - 3012422 is the current code.
Enter it in the "Promotions" section.
Used it tonight and it works fine.

I use to be a loyal LL customer - had their credit card for several years. I will never use a credit card backed by Barclays - NEVER! It's disappointing that such a stand-up company like LL Bean would partner themselves with such trash!

Good luck!

T
T
tmf13
, US
Jul 22, 2009 1:57 am EDT

They also have the Carnival Cruise line card so watch out for this one as well. I got the card with the bait and hook 0% intro rate. The first mistake I made was getting the card right before I moved - the second was thinking I was smart to register for the online paperless banking so the move wouldn't be such a problem. So the card I got was a Carnival Master Card ... the bank name on it is Barclay ...the EMAILS you get are from a very suspicious looking cc.juniper email address which my SPAM filter immediately flagged. I also didn't recognize it to find that mistake. I admit I was late then with the first payment and they automatically charged all the late/interest fees they could find, revoked the promo interest rate, and took all the "sea miles" away. I feel they intentionally use all these names so it is easier for mistakes like this to lean in their favor. BEWARE!

A
A
Angry in NH
, US
Jul 13, 2009 3:15 pm EDT

Absolutely rude customer service. LLBean should be ashamed and nervous to have a partnership with Barclays. I tried to use the email route with a complaint and Barclays sent me a cut-and-paste boiler plate response which clearly showed they didn't even open my account history to review it! how embarrassing. And I know this sounds crazy, but I feel that they have "lost" two of my online payments in the last eight months...keep your payment confirm numbers! I didn't...and they dinged me $39 and the finance charges. I noticed the very next day after payment was due (I always check to make sure my payments were made as expected on all my bills) and made payment immediately. No understanding from Barclays. I got the "you signed a contract, blah, blah blah." I also agree that the 20 days is crazy...by the time I get my bill, I have less than one week to react...what if you're on vacation? Nonetheless, we had it only for free shipping, so if the code aboves works...I'm good...the coupon earnings were not great anyway, especially since I can get 1% CASH back on other rewards cards...Closed it!

B
B
blbny1
, US
Jun 28, 2009 10:54 pm EDT

If you are looking for free shipping at LL Bean but don't ever want to use their Barclay's card again, try this code: 3003260

I found it online, just used it and it worked! When checking out, enter it in the space provided under the "promotions" tab.

Good luck!

W
W
wport
Simsbury, US
Jun 24, 2009 2:17 pm EDT

I have been a loyal LL Bean customer for 30 years, and switched from Bank of America to Barclay's because I expected the same excellent customer service form them as I get from LL Bean. Reading these other posts, I see I am not alone in my frustration with Barclay's.

I received a 3% charge for using the courtesy the checks issued by Barclay's bank as well, and was not informed of this when I called to ask them to send the checks to me. Imagine my surprise when I got my bill which had a $500 fee on it. I had planned on paying off the bill in full when I got it, which I have done every month for the past 20 years. So, in fact, I paid $500 to float $17, 000 for two weeks. Isn't that what a loan shark charges? I called customer service and got nothing but rude consideration, bounced form person to person and was repeatedly told that the rate was on the check. I finally got a fax number and address from them, and sent my bill with the charges and a copy of a blank "courtesy" check, which has nothing of the sort on it! This was three weeks ago. I called and asked if they got my fax. They replied that the had, andthat they sent a letter declining my request (which I still have not received.) Again, the same rude manner. I guess that must be because they are used to talking to people who have been ripped off, like me. I called LL Bean, they could do nothinb to intercede on my behalf. I plan to pay yhte bill when it comes, and cut up the card. This is my first time using the courtesy checks, and it will be my last. I also noticed that all of the terms and conditiond printed on the monthly statement conveniently leave out this interest charge figure. Shame on you, Barclay's- you are a predatory lender.

C
C
Claudia
Fort Worth, US
Jun 05, 2009 12:00 pm EDT

These complaints are useful and I'm glad that many of us are sharing our experiences with the awful bank of Juniper. However, I wonder if there is anything else that we could all do as a group? Complain to our Attorney General, BBB, lawsuit? If you have any ideas, please feel free to post them.

N
N
Nunya2009
Conway, US
Aug 16, 2016 6:33 am EDT

President Obama's Tax Dollars Bail out US BASED BANKS ! Not UK based banks

R
R
Rosemarie
Waterville, US
Apr 29, 2009 7:59 pm EDT

We received a 25 dollar late fee in addition to a 1 dollar finance charge for a 9 dollar bill that they posted 3 days after the due date. We are currently cutting up our LLBean card at this moment. We will never shop at LL Bean again or use any service even remotely connected with Barclays. Disgusted in Waterville, Maine. Rosemarie Kenney- Lavin Home State of LL Bean!

E
E
edg
Westminster, US
Apr 24, 2009 11:31 am EDT

Did anybody notice the Bean/Barclay card is a 20 day account? And that the statements are mailed late so many times the payment has to be mailed the day the statement is due?

The card rep said they are receiving many complaints about the 20 day period and that will have to change it next year due to a new Federal Law. Why not change it now? LL Bean says the problems are between the customer and the bank and they are not involved. Now is a good time to run this one up the flag pole since Obama is castigating credit card companys .

R
R
rhode island red
, US
Apr 16, 2009 8:40 pm EDT

I thought I was the only one! I've been an LL Bean customer for 30 years and NEVER had a problem with them or when their cards were through Bank of America. I've had the Barclay's card for 6 months and have had nothing but aggravation. The bank's customer service reps are arrogant and don't care about Bean's customers. When I wasn't getting any satisfaction I mentioned I'd have to cancel my card, the rep said to go ahead, he could do that faster than to find me the answer I called about. Hey, LL Bean! You're voted one of the top companies for customer service in the world consistently----do something about this!

C
C
Carol Crabb
Wake Forest, US
Apr 14, 2009 7:48 pm EDT

This same thing just happened to me--they sent me an email bill - and I never got it because my SPAM system on my email caught it and wouldn't let the bill come to me. I had originally owed $2.95 and they told me that now I owed over $100. After much arguing, Barclays agreed to have me pay only the $2.95 but they said they would have to cancel my card. I will call LL BEAN to complain. I would like to have an LL BEAN credit card, though. North Carolina

H
H
Hates Barclays in Seattle
Gig Harbor, US
Apr 08, 2009 5:37 pm EDT

I just received a letter I owe 150$ for a 9.$ charge made 6 months ago to LLBean.
Barclays never sent me a bill. It was sent to my"email".
It's "your your problem you made the charge."
I can see I'm not the only one being ripped off by them.
What recourse to we have?
pissed off in Seattle

C
C
cje
Beacon, US
Apr 06, 2009 12:35 pm EDT

Yes they are a horrible bank and I am a customer of LLBean and had the experience of Barclay not sending the credit card bill in November, calling me in December on Christmas Eve and telling
me I missed a payment. Rasing rates and not notifying me that they were doing their dirt. I have never had a problem receiving bills or making a payment on time . Barclay is useless to speak with. Nasty, Nasty and unprofessional. We shall see if LLBean stands behind them or their customers. I have spoken to LLBean Customer Service 4 times and just today sent a letter to LLBeans CFO Chris McCormick. They need to do something about this Company or they will lose several more customers. Sorry for all the grief people are experiencing but I was glad to see that I was not alone. CE

V
V
Veronique Foti
State College, US
Apr 02, 2009 2:13 pm EDT

I had the LLBean credit card for years with no complaint. When they changed to Barclay's Bank, I accepted their balance transfer offer. The balance transfer check (to another visa company with Barclay's Bank) cleared but was miscredited. Despite inquiries since November (and a copy of the cancelled check they finally produced), they claim they do not know whom it was paid to and I finally, after harassment by the other company, paid the disputed amount to them but am still paying the transfer check plus interest. In the meantime, my credit rating has been ruined. After this unresolved horror story, I will NEVER deal with LLBean or Barclay's bank again.

B
B
blbny
Albany, US
Mar 28, 2009 9:15 pm EDT

It will be a cold day in hell before I ever use anything associated with Barclays again. Such a shame, too...as I love LL Bean and have shopped them for years. I've purchased skis, snowshoes, jackets, shoes, backpacks, apparel, sleds, everything under the sun. I make it a point to detour through Freeport whenever I'm in Maine just so I can stop at their store. But, since I use their Visa for the "freebies, " they will now loose a most of my business.

I closed my account with Barclay's this afternoon. Back in January, I received a statement with a ton of fee's for none-payment. This has never happened to me - I sent them a check payment on time, as usual. When I called them months ago, the rep. on the phone reversed all the fee's because I had sent payment. I thought this was all taken care of until today - when I received my statement. My APR shot up to something like 23%! I called and they said it was because I had a delinquent payment. They were the rudest people I've ever dealt with; treating me like I was some sort of deadbeat. I kept telling them the fees were reversed because I did indeed send payment. They keep telling me they can't control the mail (like I can?). How convenient an excuse...and the perfect way to scam fee's. How do I really know the mail failed?! Maybe these people threw my check in the garbage just to raise my rate and hit me with fees - or- one of their ever-so attentive CS reps could've lost it. I had a Citi card a while back where my check was actually applied to someone else's account?!
And, yes, I really did send a payment. In fact, if one of these drones bothered to look at my history, they would have seen I'd been paying the card off completely - on time - every month.
I have never gotten so angry with a CS rep.; to the point of telling them to go to straight to hell. Who wants to deal with a company that makes you that aggravated? You would think Barclays would want to keep their good customers. Use some common sense before branding them degenerates. Pull my credit report, look at my history - they'd easily see my accounts have no problems.

I called LL Bean's CS reps - as usual, they were outstanding and professional. I think everyone who's had a bad experience with this bank should let LL know. They're ruining LL's name and costing them customers.

Please LL, drop this crappy bank soon - I have a lot of shopping to do but I'm not doing it through Barclays.

K
K
KLjr
Chicago, US
Aug 16, 2016 6:32 am EDT

You cannot tell me that you have never made a mistake and asked for forgiveness...

While I understand what you are saying, I don't totally agree. I recently had a run-in with Juniper/Barclay's... I was $0.94 over the limit on the last day of my billing cycle. I was notified the next day by email about going over and immediately made a payment (literally within an hour of receiving the alert) and called in to make sure that the payment posted. When I called, the "relationship manager" explained to me that I would be charged $78 for being over the limit two months (last day of the billing cycle and now, the first day of the new cycle).

My issue comes down to this - we are all human and we do make mistakes. I have always been on time with my payments and have always maintained a reasonable balance, yet was unable to receive a break for being NINETY FOUR CENTS over for less than a business day. The "relationship managers" were more like computers than people - no heart, no compassion.

These banks write-off upwards of 60% on some people's accounts... money that they will never see again (except a small percentage through tax breaks). Why would they not help a customer that has had an excellent track record with their company for quite some time?

J
J
Joe Roa
,
Oct 02, 2008 10:38 pm EDT

I don't think they would send bills to your wife, sir. Not in Iraq.

Afghanistan, maybe...but not Iraq.

Pay your bills.

J
J
Joe Roa
,
Oct 02, 2008 10:34 pm EDT

One way to have your neighbors stop telling you about your bills: Pay your bills.

D
D
darkeegan
Salt Lake City, US
Aug 16, 2016 6:33 am EDT

this is clearly a scam. you have people deposit forged money orders into their accounts and then transfer x amount of dollars to your account. two weeks later the bank discovers the forgery and you are long gone while the idiot who fell for it is out all that money.

SCAMMER!