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Cindy Payne
December 18, 2008
turned in to credit bureau
My husband and I have worked hard to have good credit all of our lives. We always pay our bills on time and/or pay them off. We've made several real estate investments. We found our future retirement home and we are in the process of purchasing. We found out the Barclays Bank of Delaare had turned us in to the credit bureau. Thus, making us have bad credit and a higher interest rate on our loan. Spirit Airlkines said that we applied for a card. We do not have a card, do not remember ever applying for a card, and there is no balance they say on the card. BUT, they want us to pay an annual fee and because we didn't then they turned us in. I can't believe this is happening. I am a good patron of Spirit Airlines. I've been flying on the flights for several years, but never again. Now the loan for our retirement home is at fault and we have to pay a higher interest rate. I would understand if this was a bill that we let go and never paid, but we never even USED the card. Please, help us. My husband has been on the phone with Barfclays Bank in Delaware and they are saying it would take months to get rectified. This is totally ridiculous.
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November 9, 2008
Credit card rip off!
THE JUNIPER CARD AND BARCLAYS BANK IS A FINANCIAL SCAM!
I was checking out a new computer at the Santa Monica APPLE store and an employee said if I filled out a form, that I might be eligible for immediate credit with the Juniper Card with terms of 0% for 1 year. Because of my excellent credit rating, I was approved for over $1, 000 and I went home to further research their products, I then received a call that my dad had died of a heart attack and I left immediately. While out of state for almost a month, handling all the funeral arrangements and the estate business, my bills were being paid by auto-debit. When I returned to CA, I used the Juniper card and I saw on their first statement that my interest rate jumped from 0% for one year, to 29.99%!
When I called, the people at Juniper and Barclays Bank of Delaware, I waited over 15 minutes for an agent and everyone I spoke with was unbelievably rude. The supervisor said the reason the interest went up 30% was because I didn't use the Juniper card at an Apple store within 30 days! I used it 32 days later. The Apple employees explained none of this to me at either time! Before using the Juniper card, I browsed the terms and information but missed a “see below” fine print line. There is a (very small and hidden) sentence in the contract that states, if you don't use the Juniper card by Barclays Bank of Delaware in 30 days, the interest goes from 0% for a year to 29.99%. Even though I spent less than the credit limit, the interest put me over the limit! I explained the situation, and no one at BARCLAYS BANK or JUNIPER was helpful, friendly or the least bit understanding. Not only would they would not lower the interest rate, or the over limit fee, even for as a gesture of good will, they charged me a $39 late fee because while I had been on the phone with them, because I missed the payment cutoff time by 45 minutes EST! I highly suggest that you never use Barclays Bank OR Juniper! I have the feeling they may be up for a class action suit, if we really do see reform as promised, after the recent elections. I am wondering if this is one of the banks we bailed out!
To Juniper and Barclays Bank, any means, including, a small oversight from grieving the death of a parent is another way to make more money.
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