Barclays Bank review: Unfair practice for balance transfer 116

DO NOT OPEN AN ACCOUNT WITH JUNIPER (BAYCLAYS)! Don't waste your money or your time with these crooks bottom-feeders. The customer service (if you can call it that) people are inepts and they can't barely speak English. They lowered my credit score without a notification (the letter came after I notified BBB of their scam). Thousands of people got a $39 over the credit limit fee because they purposely lowered the credit limits during the Holidays. Imagine the amount of money Juniper pocket it... then, they raised my APR without a notification (they claimed they sent a letter all the time), funny, they don't evem have my right address and they said I failed to respond... dah! How can you dispute a letter that you never received? Then, they give you the round around until you are so frustrated and they get away with ALL their crimes. BEWARE of these people. Pick another credit card company that will RESPECT you or give you a better service.

Happy Holidays... Juniper already ruined mine!

My wife just cancelled her LL Bean Barclays Visa card because of similar dishonesty by them. She paid two weeks early, and has in fact never had a late payment on any credit card ever and never pays interest. But they held her payment in their mailroom for two weeks, then charged her $39 and interest.

She called to complain, and eventually got them to reverse the $39. When they would not reverse the interest, she told them to cancel the card. Then they told her (tit for tat, like a child) that they would not reverse the $39 then.

She cancelled the card anyway, and we will certainly not pay their bogus $39 or interest charge. I will be writing the California attorney general and the FTC to complain.

And most importantly, we should stop using Barclays and LL Bean. It's just not worth dealing with such dishonest companies. Please forward this message to everyone you know, and maybe we can help boycott them out of business.

I am Surender Sharma having Barclay Bank Credit Card No [protected], I have not used this Card Since April 2009 due to wrong Purchase Rs. 2759/- . I made corruspondance with Barclay Bank more than 100 times that this amount is false and should be reverse & i asked for proff of Purchase but not received any proff from them. I have received reply from coustomer Servise like forward ur complain to higher authorities & it will take some time etc. I have paid their outstanging bill within due date after deducting Rs. 2759/- which was not used by me & corrousponding with Barcley Bank. My compain regarding false or fraud transesction is still pending & Barcley Bank adding around Rs. 2000/- to Rs. 2500/- per month in thair Statement. Now this Card Outstanding will be around Rs. 25000/- . Now Barcley Bank Calling me and Hurrashing me and also threading me that they will using outor persons ( Gunde & Mawali ) to collecting the Payments.

I want to ask all of you, where is my mistake in it ?. Barclay Bank, hurrashing me & threading me. what can i do against then . Kindly suggest me & help me.

I am attaching my corrouspodance wit it.

Barclays bank didn't give me the full six months 0% on balance transfer. They raised my rate without notice to 29%. I have excellent credit and I make 2 x per month payments of well beyond the minimum. The new credit card laws were supposed to prevent this! And they are rude! I posted a complaint on BBB Online because that is the only way that I can get them to do something. I'm really tired of politicians saying they are making it better and then it actually gets so much worse. You can only get 1% interest on savings but then banks jack up interest to 29%.

me too. Mailed the payment on a Monday, & got a $42 late fee because they said they didn't get the payment until the following Tuesday. It was due Saturday. It does not take 8 days for mail to get from CA to PA! This is a scam if I ever saw one. They refused to reverse the fee, but I'm going to call again.

My credit balance increased without purchases in several months in over $800 by late fees, over the limit and over 30 percent interests. They should cancel the account before.I asked for that without response. Now I own more than $1000.
What a shame that Apple uses this predatory company!

PLEASE CONSIDER OTHER CREDIT CARDS. THIS ONE IS AWFUL.

I received an unauthorizaed charge. My calls to VISA were totally a waste of time.
I called the vendor, the vendor issued a credit, VISA did not post the credit until 32 days later. That was after tons of phone calss and emails.
Now I have a late charge and fee for a bill I should never have gotten.
I am still awaiting for my refund for the bill that I should have never gotten.

PLEASE CONSIDER OTHER CREDIT CARDS. THIS ONE IS AWFUL.

I had signed up for a Barclay's Bank VISA to purchase my iMac last December for 'one year same as cash.' I was making payments about 20x the minimum or more ($300 rather than the $15 mimimum). So I was understandably confused when I got a call from Barclay's that my account was past due and they were tacking a 'service fee' onto my account. I spent half an hour with someone from the bank who insisted that since I didn't time my online payments to arrive by the 13th of each month I was behind. 'No, ' I pointed out, 'I am ahead. By at least $1, 500. I should not have to make any payments at all according to the agreement I originally signed up with.' She insisted that I was late, and that their late fee was justified. I demanded to speak with her supervisor, who talked to me like I was a child. 'The payments have a due date, and you missed your due date, ' she said. 'You have to follow the rules.' I tried to keep my patience, but I failed. I accused her and Barclay's Bank of unscrupulous lending practices. I demanded she remove the $39 late fee from my card. 'I can't do that, sir, ' she said. 'This is a legitimate fee. You need to prove in writing why it is not a legitimate fee.' I happen to know that she was telling a lie. 'You do have the power to waive the fee. If you don't, then put your supervisor on.' She insisted that I had reached the top of the chain. 'Then remove the fee, ' I said. 'Do you not care about losing a customer?' She stuck to her script. I demanded her name - she only gave me her first name. 'But you have my full name, my bank account number, my social security number. I want your full name.' She provided her 'badge number.' I kept insisting she take the ridiculous fee off, which she finally consented to do, as if she were doing me an IMMENSE favor and going against all the rules. I then paid of the remaining balance and canceled my card, while on the phone. She had the audacity to say, 'Are you sure you want to cancel your card?' I paused. 'You're joking, right?' I asked. 'No, I just want to make sure you are sure you want to cancel your card.' After checking the internet I find that Barclay's has tens of thousands of complaints registered against them, for unscrupulous practices, for hidden fees, for bait-and-switch practices. How can a company like this survive? I will never, ever, ever sign up for another in-store credit card. And it goes without saying that I will eat a ton of gravel before I will take on any Barclay's credit card ever again.

I am a reporter with the Wall Street Journal. I'd like to hear more about your experience with Barclays bank. If you are willing to share that with me, please contact me at [protected] or via email at jessica.silver-greenberg@wsj.com

Since switching from BOA to Barclay's Bank LLBEAN VISA card we have had a stream of irritating and intrusive alerts coming in by phone and email. All related to local and routine, repetitive purchases such as gas and groceries. It would appear that their "Security" branch does have a clue. Since the pattern of our purchases is so predictable one has to wonder what sort of Keystone Cops are manning the fraud desk. And don't think we haven't told them each time we call to confirm the charges. Their response is inane... "it is all just a routine check."

We have never had a security issue. Never filed a complaint. Never pay late. We should be invisible to them. I mean nada but these folks can't control themselves. Whenever we travel we alert them to our itinerary which has helped but even that precaution hasn't been foolproof. I wonder if Barclay's has been hiring the same ex-fast food service workers who flocked to Homeland Security a few years back.

I've told my wife to dump LLBEANVISA but she loves the free shipping. LL BEAN... are you people asleep up there in Maine?
Wake up to the complaints and fire Barclay's. You are tarnishing your usually excellent customer service reputation!

Choice Hotels which is a reputable motel chain has changed the credit card "rewards program" to Barclay's Bank which offers free rewards redeemable for free lodging at Choice Hotels properties, in exchange for using their credit card.

There is apparently a "cut off date" with the Barclay's offer and Barclay's recites one excuse after another for delaying the issuing of cards which have been approved. Their first excuse was that there was no application made in my name. A second inquiry responded that the "card was returned because of the address change." I haven't changed my address in 30 years. In response to this Barclay's says "because of homeland security they can't send a credit card to a PO box." That's strange, the IRS and the Department of Motor Vehicles recognize a PO box as a valid address as do many other credit card companies.

It appears that Barclay's Bank made extravagant promises to solicit credit worthy applicants, with little visible effort being made to follow through with their promises. Every contact with a representative of Barclay's Bank produces a different story.

Most recently I've been contacted by a firm called Juniper Financial which seems to have knowledge about my credit application. I have no idea with whom Barclay's Bank has been sharing my information and I'm sorry I ever made contact with Barclay's Bank a month ago.

I'm going to contact the three major credit bureaus to see if I can prevent or limit damage to my credit rating as a result of my contact with Barclay's Bank.

We just got the LL Bean visa this year, attracted by free shipping, and have had similar problems. Have not ever gotten a statement in the mail in fact. When I call the CS to ask what's up, she tells me how she is glad to take a payment over the phone, how I can use the website etc., then finally I should check with our postal carrier. Sorry, I do get all my other bills! Then time was up and she basically hung up on me. Very rude. Clearly they have some game going where they try to trap people into missing payments and paying late fees. Will cancel card and drive to local LL Bean to avoid aggravation.

I have read a lot of these complaints and have to say that a lot of you credit card users are arrogant! I don't understand how you can take no responsibility for your own accounts! CS Reps probably get pretty irritated taking calls from you people because you want this and that waived! It's your account and your responsibility! When you don't pay your bill then you get a late fee! Get over yourselves!

To Responsible Consumer,
Do you work for Barclay's? This is the worst bank I have ever dealt with. Over the three years that I have had their L.L. Bean Visa card, I have had an absolutely flawless payment record, and yet they have systematically reduced my credit limit, in effect making it look as though I am always near the limit. There is nothing that changed in my credit profile, no irresponsible use of this or any other card, yet every time I get to the point where I have thousands of dollars in available credit, they reduce the limit to the point that I have only several hundred, which I am sure, over time, will have a negative effect on my good credit rating. I only used the card the first year I had it, but once I realized how this bank operates, I will never again give them any business. I have called several times to discuss the matter with Barclay's, talking with both customer service representatives and supervisors, and basically being told that they don't really care. My response has been, "You do not care that you are basically penalizing your customers who have excellent payment records with you? Why would you do that?" The answer is always along the lines of, " I am sorry you feel that way, and we understand that you cannot justify supporting a company that treats their customers so horribly, but, yeah, we don't care." The complaints on this board, and in fact, across the internet, regarding Barclay's are absolutely legitimate, so maybe it is you, "Responsible Consumer, " who should get over yourself. If you would take the time to read the above comments carefully, you would realize that a number of these complaints are from consumers who DO PAY THEIR BILLS ON TIME and yet, are penalized by this awful bank all the same.

Here is a new one! I did not use my LLBean card last month aand when Barkleys sent the bill there was a $2.00 minimum payment due. That sounds like a sneaky way to add a yearly fee for having a card. noy happy I will cancel my card as soon as I can find a decent replacement. I had a payment that I paid on the day it was due and they didn't credit it to my account until the next day because as the rep told me it was paid after 10 am. I paid it in full at 2pm . The way I discovered this was because of a phone call from my granddaughter. This card is her emergency card while she is away at college. Even though the card was paid in full, they canceled use of the card because it was paid late! Then to correct it they had to put it through there computer system and it took 2 days. Sorry L.L.Bean, I've got to cancel your card.

I have a barclay platinum credit card. Along with that card, they provide me Icici Lombard insurance policy, which I have denied to accept ( though th agent told me its free ) . Now they charge me for that with interest . Then call fm their Recovery agency RMS CREDIT SOLUTION PVT. Ltd. Came which informed that if i do basic payment then my entire settlement will b done. So i have done the payment. Now more again calls (5-6 times) are coming fm customer care, that its showing all balanced pending amt . Its very shameful for barclay bank to Misguide people. I am very unhappy and mentaly tortured with this incident.

I accidentally used my LLBean VISA card (issued by Barclays Bank) to withdraw $200 from my bank's ATM rather than using my bank debit card. I was automatically charged $3.00 by my bank. Yesterday I received my LLBean VISA statement. I was charged $10.15 for a "cash advance" and $2.00 for interest on that amount. I did not know that such a withdrawal was deemed a cash advance and that I would be charged for such a transaction. This is OUTRAGEOUS! Highway robbery. If Barclays wants my continued business, it will have to reverse these charges.

I too am cancelling my account with Barclay's for LL Bean. --I always pay my account in full at the end of the cycle as I do with any credit card account. My Significant Other does the same and yet they (Barclay's) seem to have this little 'scam' going; so that the turn around time for receiving and returning your payment in the mail is minimal AT BEST!
Consequently, when you call to see why late charges or other charges exist; they tell you it is your fault because it is your responsibility to get it in on time. --Yes the people at Barclay's are very haughty in their attitude, as well.---They also use the US postal system as an excuse. --I get other mail on time; why not their bill? --It also seems to matter little if you change the pay system and do online paying.
LL Bean NEEDS to reassess their contract with Barclay's and find a new provider! AS these complaints are over 2 years old; one wonders if LL Beans Corporate is paying ANY attention!
Thank you for reading.

I AM SO PISSED OFF WITH THIS BANK AND IT'S ATTITUDE. I HAVE WAITED SINCE JANUARY TO HAVE MY ONLINE BANKING SET UP BY THEM AND IT IS STILL NOT DONE.

ALSO, WHEN I MAKE PAYMENTS BY CARD IT IS TAKING THEM SEVERAL WEEKS TO DEBIT THE MONEY, SOMETIMES LEAVING ME OVERDRAWN AND SURPRISE SURPRISE, I AM BEING CHARGED FOR IT! I WAS TOLD IT WAS MY PROBLEM AND I SHOULD EXPECT THAT SORT OF PROBLEM AND I SHOULD KEEP ON TOP OF MY MONEY. ANOTHER MEMBER OF STAFF TOLD ME SHE STOPPED USING HER BANK CARD WITH BARCLAY'S FOR EXACTLY THE SAME REASON - SO THEY KNOW THERE IS A PROBLEM.

I HAVE ALSO HAD RANDOM DEBITS FOR 12P TAKEN FROM MY ACCOUNT THEN THEY DISAPPEAR FROM THE SCREENS A FEW DAYS LATER. THIS HAS BEEN CONFIRMED BY MY BANK MANAGER WHO IS JUST AS BAFFLED.

Another comment I like to make. When Barclays writes to his clients does not take on the account how an address should be written on the envelope. They write if the letter was going to go to England while in other country in Europe there are different set up how to address a letter.
For instance my address is Viale Letizia 6, Napoli 80131 Italy
The like to write: 6 viale letizia 6, Naples, Italy 80131.
Obvious the post man doesn't understand this way and I don't receive the letter. Further more if you respond to the security questions they ask for the most stupid operation and you say the address in the way you have learned when you were child cannot constitute a proof of your identity because you must say the way they want to hear and not the way it is.
What is the point to have clients from all over the world if they do not comply with the standard of recoignize an address from abroad?

Take the money away from Barclays and Well Fargo and Bank of America they don't give any interest and beside the attitude is awful and unfriendly.

Earlier this month, 5 checks got bounced back, Baclays back office staff called us telling us one signature was not good enough, and according to their record of mandate, it should have 2 signatures. But the signature there was always the same, from the only director of our company. Barclays charged us 35 pounds for each returned check, so total was 175 pounds. We have a small business, and this is a huge number for us.This signature never had trouble, even 4 checks just went through the day before. So I asked our relationship manager if the bank made some mistake about the mandates, and weather we could get back these charges as it seems the bank made mistake. The relationship manger, without any investigation, suddenly told us the reason was because of insufficient funds, which was totally wrong, as we even got a written letter from the bank telling us the signature problem! I was very upset at the attitude of this relationship manager, so I demanded him to investigate, in return, he said he would offer me a 100 pound as "good will gesture", and just to forget the past instead of wasting his time! I cannot tolerate this attitude. I am not going to release his name here yet, as I am in the middle of changing to another bank first. And also I am complaining through their internal complaining channel. I will give them a chance to rectify the problem.

I informed barclays that I would be travelling overseas, gave them the location and duration of stay. I am a barclays customer in uk and abroad in the West indies on holiday. My debit card was stolen at airport in uk before reaching my destination. I have stopped card and new 1 has been sent to my uk address.
After many phone calls to my bank, Barclays has failed to help me in any way financially even though I have been a loyal customer for many years.

1 They refused to transfer money from my account to an account of someone else here so that I can reach funds.
2 They said I could only send money to account in my name over here. (In order to open an account here I would need 2 forms of photo ID a Utility bill, which I dont have and an original letter form my bank explaining that I am a customer, No fax I would have had to have brought it with me or wait for it to be posted over)
3) They can send emergency fund to a bank here (No banks here allow this transaction)
4) Moneygram order. In order to transfer money to someone elses account in UK they informed me that at 3:30am UK time I would need to provide them with another banks credit card or debit card detail in order to pass through security (None of which I have on holiday with me) even though I had already given my name account number, sort code and 2 digits of my pass code as requested.

I am without money here and need help can anyone offer any solutions please.

yours sincerely

Barclay-ite Stranded Abroad

apparently i have a visa card associated with Barclay Bank and LL bean. i do not own this so called visa because if i did i would i be bankrupted by now! But this card should be in my name but it just has my name physically on it... I do not get a bill from Barclay! So this would mean what?

Don't fall for the high fee credit card promo. They say you get 2 round trip tickets anywhere in the US for applying. It turns out you need the 40, 000 miles for one ticket, it then costs $600-$800 for the other ticket. I thought false advertising was illegal.

I RECEIVED A EMAIL : info.customerservice@barconlineinter.com from Barclays Bank London a Mr David Cole that there is a check for me of 500.000 dollars awaiting to be transfer to me, phone number: +[protected] from RBI Reserve Bank of India in New Delhi, I already paid RBI the amount of ZAR 55,684.00 for the transfer that never happened by finding bank employee a fraudster.

I have just checked now received another email fro a Mr Anderson Bryan sended 2:35pm that my money is there will be paid back to me but need small payment from me. that RBI officer was arrested by Commissioner Police Mr Shri P.M. Gandhy . Mr Anderson Bryan email: cybercrimebureaudept@gmail.com givi his adress as: P.O.Box 214 Bedford Beds MK42 9 RX LONDON, Bedfodshire UNITED KINGDOM HOW AM I EVER GOING TO GET MY R55, 684.00 BACK I AM A POOR WIDOW LOST ALL MY SAVINGS.

my name is mrs Clara Bill from united state of america and i was fraud the amount of $50, 00o usd by rbi last year and Cyber crime bureau department help me to recover my lost funds back and i gave them $1000 usd and they refuse to collect it,

cyber crime help me to recover my lost $50, 000 usd to rbi mrs clara bill usa

cyber crime help me to recover my lost $50, 000 usd to rbi mrs clara bill usa

i have never see such a nice security dedectives such as cyber crime bureau department

Mr David Cole of barclays bank london is real because i also receive my won funds of $500, 000 usd from that bank after i meetup with their bank demands musa from saudi Arabia

Mr David Cole of barclays bank london is real because i also receive my won funds of $500, 000 usd from that bank after i meetup with their bank demands musa from saudi Arabia

Hello
this so call scam cop just want to demand the image of barclays bank and it is very bad and i quest that if they over head your saying they will sue you to high court for publicly saying bad things against the barclays bank london...

don't trust anyone don't send anyone else anymore money this is a scam stop sending these people money if you haven't bought a lottery ticket you haven't won the lottery if you don't have family (someone you actually know) saying I sent you a check there is no check!

Wake up people! no one is out there just waiting to lavish you with money. the only ones who get money are these scammers who collect from those whom they rip off. that would be you. the person who believes anything they say are asking to have their money taken from them. if it sounds to be good to be true... there's a 99.9 % chance it's not.
There are two things I will stake my life to without any danger of being wrong:
1) all of these "fine & generous" folks who are just dying to give you hundreds & thousands of dollars are nothing but rip off artists. it's all they do, all day, everyday, send out e-mails to literately thousands of people, 'advising' them of how much money they have coming. most people ignore their claims but these crooks know that there will always be plenty of "suckers" who will send them money. and they are correct. if you have to send them money to get money... quick - run, don't walk, as fast as you can in the other direction & don't look back.
2) all the people who are singing the praises of those who they claim got their money recovered their money... they are the same ones who sent you the e_mail claiming they have your money.
Just remember this - once any money leaves the u.s., it is gone. no court in this country has the power to force others in a foreign country to do anything. so, if you're thinking of sending any money to jokers like this, well, I have a bridge & a statue for sale, cheap.

Barclay's LL Bean Visa is a scam. One of their scams is issuing customers new credit cards, with new numbers, and declining to transfer merchandise refunds from the old card to the new card. I have never once had a fraudulent charge on any credit card in 25 years - except the LL Bean Barclay's Visa. They constantly reissue a new card, with a new card number, due to 'fraud, ' they say. This means that LL Bean refunds are not provided to the customer, because they've 'closed' the old card. Meanwhile, LL Bean tells me they 'provided the refund' and feels they are done with the situation. But I never get the refund, because it is never transferred from one LL Bean Visa Barclay's 'closed' card to the new card (with a different card number). After 2 months of back and forth w/LL Bean, I finally received a credit owed. And now, the same thing is happening again with a different purchase. Once it is straightened out, I will close the LL Bean Barclay's Visa once and for all. I also am going to shop as little as possible at LL Bean in the future. I have loved LL Bean and hate to say goodbye to them. But this is off the charts absurd. Trying to get refunds from LL Bean (via the Barclay's LL Bean Visa card) is a part-time job. I have spent thousands at Bean over the years. No more. Just google Barclay's and marvel at the corruption of the company that Bean partners with.

I too have excellent credit FICO score of 823 and Barclay's usurious rate is 22% I will not be using my LL Bean visa. LL Bean needs to drop them and go back to Bank of America a United States bank.