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 actives, 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.

WARNING>>>WARNING>>>WARNING

Horrific Juniper Bank. Tried to use Juniper's online system to pay credit card monthly payment (very first month). Their system did not credit my payment through...after I had followed all of its miserable instructions. What a creative money sieve. Reading all these other complaints...This is a truly cheat bank system...Barclays, Delaware, Joe Biden connections, whatever it is.

Customer service..."Customer Service"...has the easy out and non assistance (trained) individuals to easily dismiss your claim and move on with their day with no way to help you. Sorry sir, your rate is now such and such, and you are delinquent. That will be $39 additional for your problem, and a new higher rate. Sorry.

Luckily I can still get the hell away from this bank, but some poor schnookered people won't be able to get away from them and it's another example of the implosion from within that is hidden from sight...and we all suffer. Fat cats laughing all the way to the bank...and these poor bank customer service reps...so laughable what they are stuck to do.

Stay away from Juniper and watch out for them all.

I paid my charge card in full. I called to see if the checks posted to my account. They did it said I had a zero balance. I got a bill in the mail on 10/1 stating that I owed them 1.23 dollars for a finance charge. I called them up and they said it is their policy to charge interest on cash advance on a daily basis. If that is the case then no one would be able to pay off their balances in full.

I told them my balance is zero. Zero times any interest rate is still zero. The second lady agreed with that statement, but they said it was the interest rate that caused the finance charge to occur. They don't understand when a bill is fully paid off you can not legally charge a person anymore money on that same bill. I did report them the the BBB.

I am mad about being overcharge. They did say that they will adjust my account. They already did and I did not like it.

Paid my account payment online Used the due date for the date the transaction to take place Didn't pay attention that the due date was a Sunday They didn't accept it until the following Monday and then charged me a service charge When I called about it they explained to me how it wasn't their fault that the due date fell on a date that the transaction couldn't take place *** Juniper I'll stomp the CEOs *** I plead with everyone who sees this to not do business with this worthless *** up company screw juniper!!!

Juniper is the credit card for Frontier Airlines frequent flier. I have made many complaints to Frontier and Juniper to no avail about how bad the bank, credit card, and treatment is from Juniper or Barclays as they are now. Customer service is rude as are the supervisors which for sure reflects upper management. Some of their tricks are to label a payment "nonconforming" so that it is handled longer and therefore generates late fees and interest; transfer you to their headquarters customer service which is no better than regular customer service; mail statements first class that take 10 days to reach someone and then any reverse USPS mailing also first class takes another 10 days on a 21 day grace period---guess what happens every time--late fees and interest. When you pay on transactions without "their" envelope it's a non-conforming payment. When you pay without an official printed statement returned to them, it's a non-conforming payment. I finally canceled my card and my peace of mind has tripled. I will never ever work with Barclays or Juniper.