I got a new phone number, and whoever was stupid enough to have an account with juniper had my phone number before me. They keep calling me and telling me to call them back. There is no way to get ahold of them to tell them to stop calling me. Ive never even done business with this bank and I can tell they are frauds.

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 have the same issues as the others who are victims of the unscrupulous business practices.

I had a late fee taken off yet, they used that to increase my interest from 7.9% to 23.24%. Which I didn't know about until I was wondering why I have an over the limit fee. Because the new interest then put me over the limit at $124 month. Which then happen again next month upon making the min. payment? The assessed another over limit and increased my interest to 27.24%! Which makes my interest $165 for this month?

So if I were again to make my minimum payment according to them and then add next month interests it puts me over the limit again.

Another over limit fee and probably they would raise my interest again. Can they ever stop?

Now I would pay more than the minimum, had I not lost my job.

What can be done to stop this craziness?

I don't know anything about this bank. They are the only company that has every called me repeatedly and I mean every hour. I don't do business with them nor would I ever.

Eligible Vehicles: Newly purchased or leased vehicles sold and registered in the Commonwealth of Pennsylvania. Vehicle must be used or leased primarily for personal or family use.

Repair Obligations: Manufacturers of new motor vehicle must repair and correct, at no cost to the purchaser, “a nonconformity which substantially impairs the use, value or safety” of the vehicle.

Eligible Time Period: Nonconformities which occur within a period of one year of delivery of the vehicle, or within the first 12, 000 miles of the use of the vehicle, whichever occurs first.

Repair or Replacement Obligations: If the manufacturer fails to correct a nonconformity after “a reasonable number of attempts, ” the manufacturer shall, at the option of the purchaser, replace the vehicle or refund the full purchase price, less an allowance for mileage on the vehicle.

Presumption of “reasonable number of attempts”: If the same nonconformity 1) has been subject to repair three times and not repaired; or 2) if the vehicle is out of service for any repair “for a cumulative total of 30 or more calendar days”, it is presumed that a reasonable number of repair attempts have been made by the manufacturer.

Informal Dispute Settlement Procedure: If the manufacturer has established an informal dispute settlement procedure which complies with federal law, the consumer must first resort to the non-binding procedure prior to pursuing a civil cause of action under the lemon law.

We too received an email message advising us that we were nearing the credit limit with our Juniper-Barclays issued US Airways MasterCard. This was surprising since two weeks ago our statement had the outstanding balance at about 35% of the credit limit. Behold, we discovered that they had reduced our credit limit by more than 50% without any notice. Now our outstanding balance is closer to 90% and of course this makes us a "bad credit risk". Their customer service was absolutely useless. We've always paid on time and with more than the minimum due. We've been good customers for several years and now we get treated like this? I'm disgusted with the US credit system and find it disgraceful that companies can now create bad "bad consumers" through their actions and not of the consumer.