Barclays Bank
Reviews and Complaints

Juniper initially issued me a $5, 000 line of credit. After paying the balance each month for a year or so, they increased my credit limit to $11, 000.00 without me even asking them to do so. I kept paying the card, but I started carrying a balance. I was at about $5, 500.00 when my credit card was stolen. I reported it, and was told it would be canceled immediately and I would be issued a new card. A few days later, a card arrived with the same account number as the one that had been stolen. I immediately called them, and they said they had made a mistake and that the card had not been canceled. The did have a record of my call to cancel the account, but because they did not do it, another $200.00 was taken. A few days after that, another card arrived, again, with the same number as the old account. I called again, and they told me that there are a couple ways to cancel an account and that somehow, it had not been done. What a professional response! The finally issued me a new card with a new account number, and I thought everything had been resolved. All of a sudden, I get an Email telling me that I'm over my credit limit. They had reduced my credit limit to the point that I was over my limit. They said they had sent me a letter that I never received. Their response was "we are not responsible for the U.S. Mail".

3 months after this, I noticed that they had put the $200.00 charge back on my account that had been taken after I had canceled the card. They also raised my interest rate from 8.99% to 14.51%. Today, I received a letter stating that as of November, my interest rate will be 19.99%. I am paying off this card, cutting it up and mailing it to the CEO of Barclay's bank. I've sent a letter to the CEO and copied the FDIC. I advise anyone who is having a problem with these usurers to do the same. The FDIC does not tolerate this crap and the more people who complain, the more likely it is that they'll take some type of action against this unscrupulous outfit.
There is a great card out there if your credit is good. It is the True Rewards Card that is available with no annual fee to Costco members. Go for it!

I was called by the collection team about a resolve loan which was suggested to me by barclays team. They told me to stay within my limit for two months then I will be elligible for a resolve loan which they did. They sent me paper work to sign with my desired day of collection which I did 26 of the month. I received a call today on my mobile phone telling that I have a default. I was very surprised and I said to the lady we agreed on the 26th for the money to be collected from my account on my pay day . She said the money will be collected. This morning as a routine check on my online banking, what a disaste they have taken the money twice. Tomorrow I am going to the bank to see the branch manager to clarify this outrageous behaviour of people who are dissastified and angry dealing with people's accounts.
Faithfully submitted by
Basile Houessou
The account holder

This account was not opened by me it was opened by an ex-girlfriend. I never had this credit card. Please investigate this and e-mail back. I have this on my credit report and I am not getting any cooperation from the collection agencies on this. The account # is [protected]************ The balance is $2637. It is a charged off account. Barclay's Bank of Delaware
125 S West street
Wilmington, De 19801
[protected]
The above is the contact information listed on my trans-union credit report. I have tried unsuccessfully to contact the proper department to pursue this. Your assistance is greatly appreciated. Thank you.
Russ

Hi,

I am receiving call to my land line (040-[protected]) from Barclays Bank Executives and also computerized call for asking an unknown person whom i don't know.
And the call frequency is 7-8 times a day and i am fed up by replying to them and saying them that its a wrong number please update it but, even after saying many times they did not stopped calling me. Even one of their executive used bad language with me when i said i will file a case against them. So i need an action to be taken by the Barclays Bank people.

Listen to this for complete stupidity!

Got a cheque for my to cash from france, it was a french cheque right! Brought it into barclays (My bank) about 2 or 3 weeks ago. I filled out the form as it was an international cheque, and I asked him there and then did I need to sign the back of it, and he said no...

Went into the bank anyway cause it hadnt gone in yet, so they give me a number to ring where they send the cheques.. They told me that they had to send it back cause it wasnt signed! What a joke! So now they cant find it in the bank and they say theres nothing they can do about it! I was like are you kidding me.. So some ### who cant do his job and didnt tell me to sign a cheque costs me this hassle! So I asked for the manager and they said they have to get him to ring me!

What a joke.. Stuff like that should be bread and butter to them.. Imagine some guy that works in a bank doesnt realise that I need to sign the back of a cheque...

Im absolutely fuming! Wasted my whole lunch time!

I just cant understand how a company such as Barclays Bank can get away with providing such a poor service to their customers.
There is never anyone help or provide any service when you need them, (unless you get lucky to talk with someone who doesnt even live in the UK) I just think its sad that we the public allow this to happen and do nothing to stop these companies from doing what ever they please.
Im just fed up and will close my account asap.

DONT BANK WITH BARCLAYS !

After a ridiculous time fighting (and losing) a battle of a tripled interest rate causing my Juniper card account balance to exceed the available credit and incurring not one, but two months worth of $39 overlimit fees, I can say I've been fed up with their service.

Customer service is horrible. After many attempts to contact their outsourced service by phone and email, they wouldn't even give me a physical address of their US location.

So, I took it upon myself to locate these folks. Here's the information for where us consumers can complain and get results:

Juniper (Barclay US) Bank
100 S. West St.
Wilmington, DE 19801
[protected]
[protected] (fax)

and here are some names of interest:
Anthony Jenkins - Chairman
Joe Purzycki - COO
Kevin Murphy - Director of Customer Support
Tom Karinashak - Director of Customer Care
Joyce Walsh - Senior Director, Solutions Development

My Juniper Bank credit card account was assessed a finance charge that put me two cents over the limit. Juniper Bank charged me $39 for this two cents. I called to work with them, they refused and let me know they could charge me even if I went one cent over the limit. I closed my account, doubled my payment and attempted to get back on track. They raised my interest rate, assessed finance charges that put me two dollars over the limit and charged me another $39. I attempted to once again work with them, they refused. I doubled my payment and scheduled it online on 7/18/2009 for my due date of 7/31/2009. They started calling me on 7/27/2009 to remind me my payment was due on 7/31. This happened three days in a row, each time I pointed out the pending payment and they promised to remove me from their list to call. (My payment wasn't even due yet and they were starting collection attempts?) On 7/31/2009 my balance showed $1291.64. My payment was received by them on my due date in the amount of $80. This, with the finance charges of $22.77 would have brought me to a balance of $1233.41, which is under my limit of $1250. However, on 7/27, they assessed me another overlimit fee, which put me back over the limit before my bill was even due. They didn't post this charge until 8/4/2009 after my statement printed, so not only didn't they wait until after my payment was due to assess this new fee, they also made sure I wouldn't know about it until after the fact. They had promised me after the second over limit fee that I would not be assessed another overlimit fee as long as I brought my account back under the limit by 7/31, my due date, which I did. This third overlimit fee has put me back over my limit by $23. They are refusing to remove any of the fees. The fees now total $117 for $2.02.

Dear Sir/Madam,
I Pawan Gulati have your barclays credit card vide card no. [protected] from Dec 2007.
I always submit full payment before last date.asusual in march 2009 I also submit payment of Rs.410 on 10 march 2009 in your barclays drop box on Petrol pump which is in pitam pura netaji subhash palace delhi-110034.Due to your bank service this
cheque was present on 26.03.09 in my bank A/C.This not my mistake I also register complaint to your costumer care aprox 4 or 5
times but they dont have any solution.please reverse this extra payment which is shown as intrest otherwise i want to serrender my card to your bank becuse i submit my payment which has been use.I hope you give me positive responce.I dont want to pay any intrest ammount.

Thanks & Regards
Pawan Gulati
D-16/28 Sec-7 Rohini
Delhi-110085
PH:[protected]
:[protected]

my husband taken barclays card one year before, in the 1st month we transacted with NSDL for amount of rs. 134/-, a person from barclays confirmed the transaction same day.in that particular month we recd the bill just one day before the due date.We stay in Thane so we downloaded all the addresses of barclays payment centres and my husband visited approx. 5 addresses but to our surprise none of the centres were working not even in existence. We wanted to pay cash and there was no reliable source available.The same day evening I called up barclay staff and explained the matter.Assurance was given that they will look into the matter.After that there were no phone calls .Meanwhile whenever they feel like they call and ask for the amount outstanding, ech time we explain the whole matter.complaint launched in writing these people are not ready to accept.I am not going to pay at all .Now again they started phoning for outstanding if they really want o close the issue a senior person needs to come accross to close the issue becos i don't trust the down the level people

A few years ago, I received an offer for a low interest credit card from Juniper Bank (since aquired by Barclays). I accepted the offer and used the card for 2-3 years with no issues. Always paid bills on time; never went even close to the limit.

In June, we made a single large purchase on our Barclays Card which caused us to go over the limit by $50.00. Within days, I realized the mistake I made and went online to pay down the card before even receiving a bill. Did not think about it again.

Fast forward 30 days, and I notice the interest rate has increased from 11.90 to 27.8%.
I called the call center and spoke to a representative asking to reverse this change.
She clearly did not understand why I was complaining or felt justified in my request and kept saying "there is no other offer available on your account" . I don't think she understand that I was not looking for another offer. After much persistence, I was able to speak to a supervisor.

That conversation started similarly ... and I held firm - stating very politely and very clearly that I made a single mistake and even paid the $39 late fee without question. That I have excellent credit and that there was no way to justify this change. I explained that I saw two options 1) For them to reverse the rate increase or 2) I would pay off the balance by Close of Business and contact the regulators and my senator and representatives.

At this point, the representative agreed to remove the rate increase and tried to sell me credit protection ( I am not making this up) . I took down his name, operator ID, noted the date and time of the conversation and thanked him. This was over a week ago.

Today, I logged in to check on payment status and the rates was still at 27+%. Called the call center -... no record of the conversation... refused to allow me to speak to supervisor. I persisted and persisted but to no avail.

Of course, I will now be closing the account and contacting the US credit card regulators, and my senator and congressman. I will also follow up with Barckay "Executive office" via fax as advised by the Manila call center. Based on this experience and what I read here so far, I do not expect much.

I have NEVER been so outright lied to by a company before. I have worked in and managed call centers before and now how unreasonable people can be. I have dealt with so many escalations, I cannot count them. For this reason, I try very hard to be reasonable myself.

I also happen to know that the conversation was likely recorded. I plan to pursue this using lawyers if necessary. I will have the call records pulled and will pursue to the point of legal action up to and including class action if justified.

I hope you can learn from this tale and BE VERY CAREFUL when dealing with company. AVOID at ALL costs.

My account was first use feb 09 charge of 6.26, I never got a statement or bill, but recieved e-mail with a note saying your acct can be reviewed, when I pressed the link it prompted me to set up an account. Not wanting to set up a new account, and the e-mail with the "note to see account" was ignored. I never recived a statement by mail or phone call, I found out I owed barclay bank $126 on 7/20/09 due to a letter sent to me by discover card saying my discover card was cancelled due to the barclay visa account. I would have continued to incur charges on my visa account if it were not for the letter from discover card and then running a credit report to find I was deliquent on my account. This is all over $6.26 charged in feb 09. I have now had various credit cards cancelled, my credit report reflects negatively, and I ended up paying the barclay (Ll bean) credit card 51.37 over the phone for this 6.26 charge barclay if barclay group takes this 6.26 charge so serious as to add $100 in late fees and report it to credit agencies I feel I should have some defense in this matter.. I expect a reply or an adjustment in debt collecting and notification

Terrible customer service. Terrible on-line reliability. Poor partnership choice for LLBean. Only keeping the card with low credit line for free shipping! Found new primary "rewards" card...

I have always paid my visa card on time, however, I received my mastercard and activated it on june 23, 2009. On saturday june 27, 2009 I was denied use and was contacted on sunday june 28, 2009 and informed that mastercard had not received my payment (Which I had sent to visa because I never received a bill from mastercard) and if I did not pay them immediately they would not the credit department and effect my credit they also wanted $15.00 for processing the payment. When I informed them I have paid the bill to visa they said that had nothing to do with them and I needed to contact visa myself.

Visa informed me themoney I paid them would be sent to barclays mastercard (Now I have a credit on my account)

I believe this could be a scam to get an additional $15.00 from hundred (Thousands) of card holder being force to convert fro visa to mastercard

I have never ever received such bad service from a bank and I have had accounts in many countries around the world. After this last incident I felt the need to complain and have my story heard. I have tried going through their official complaint process and no one has ever gotten back to me. I am in the process of finding out how to close my account from abroad. I have no more patience left. Here are some of the reasons why I will never bank with them again and encourage everybody else to do the same:

As I am not residing in the UK I have to phone when I have an issue. Everytime I call I speak to a new person who is most probably living in Mumbai and can't speak english. If I have a serious complaint it is impossible to speak to a mister so-n-so from x branch; everything gets centralised. Its totally crap. I had an incident a few years ago whereby money from my account was "misplaced"...for about 6 months. I probably spent the amount just in phone calls trying to sort it out.

I am currently waiting for a number of things from the bank, important passcodes and membership numbers etc that I need to transact off of the account. The most important thing was a telephone banking passcode which you basically need to do anything over the phone. It took me 2 months and numerous phone calls to get the passcode. And guess what? I phoned today to check on a credit that I was waiting on and all of a sudden my telephone banking passcode is invalid. Some ### in the customer services department has mistakenly ordered me a new one instead of the telephone banking membership number I had requested and in the meantime the one I have (the one I waited 2 months for and spent loads of cash on overseas phone calls trying to get) has been cancelled.

This is the last draw for me. When I eventually get the stupid passcode I am going to transfer all of my funds out of the bank and quite frankly they can go and f%#k themselves.

Do yourselves a favour and don't ever have anything to do with Barclays Bank.

Terrible customer service. Just terrible. And here's my favorite part: Every time I call, I get a prompt to take a customer service survey. I passed the first time, but each call after - and believe me, there were about 8 more tries - I either selected it or asked to be transferred to the survey. Each time they hung up on me. Clearly the survey doesn't exist. I asked via email to have it sent to me - no dice. I asked a manager for it - no dice. I finally got a hold of a woman (aka the ironically named RELATIONSHIP MANAGER!) and asked her to transfer me. She said, that's not available at this time. I said the woman on the automated recording walked me through prompts just 2 minutes ago. She asked me again who told me it was available. I told her. She said, well, it's not available now. I asked when it WOULD be avail. She said, maybe tonight. I asked her what time. Like midnight? She said, tomorrow morning. I asked her what time. Like 7am? She said, I don't have access to that information, try tomorrow. If it doesn't exist, just tell me. I would rather that than being lied to. They are ruthless when it comes to their fees, and I knew their reputation for that going in, but man, it's harsh. No wiggle room, no compassion, just mercenaries. And I guess mercenaries don't give out How Am I Doin' Surveys. NEVER. NEVER. NEVER DO BUSINESS WITH THIS BANK. YOU WILL REGRET IT, I PROMISE.

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 been tryin since November 2008 to use my card. Firstly Barclaycard started sending my mail to Liverpool, France. It took five months to pursuade them that Liverpool was actually in England. They then sent me another card, the two previous were of no use. I managed to use the third one for all of twenty four hours and then it was blocked. I rang up and I was assured it was my fault for not putting the card in properly. Luckily I did not believe them and paid my last hotel bill with cash. This was to avoid the embarrasment I felt when the card was not accepted four days earlier. Today I decided to try it to see if it was working, of course it wasn't.
I am sorry to bother you in this way, and as I have been a client of yours for approx. thirty years I have turned to you for help. I can assure you I have tried every thing I can to find the complaints department at Barclaycard Visa.
I await your advise.

Joseph Quinn