In addition to sending a documented complaint to Juniper, I've filed complaints with the Delaware attorney general and the Delaware Better Business Bureau.

I called Juniper's automated hotline in June for my balance, and sent a payment for the full amount with a note to close the account. I received the July statement with a $10 "finance charge."

Since 1) I had cut up my card when I canceled; 2) Juniper's monthly statements include only the last four digits of your acct. no.; and 3) their customer service line charges you $15 to talk to a "relationship manager" (the term itself makes me gag), I decided to just pay the $10 and have done with it.

But I got another monthly bill in August saying the payment was late. After another attempt to figure out a way to contact them without paying $15, I finally gave up and sent in the $39.

But this time I sent it Priority Mail. And suspecting I might need it, I paid for delivery confirmation. Sure enough, Juniper sent me another bill for September, claiming they didn't receive the payment (due Aug. 31) until Sept. 4. But GUESS WHAT? I checked the USPS Priority Mail tracking number, and it said my payment was delivered at 4AM on Aug. 30! How about that? Now I wonder if they also lied about the other "late" payment, and just sat on it for several days like this one.

Needless to say, I'm fighting that bunch of crooks. These people are human garbage.