Complaint Review: Juniper Credit Cards Division Of Barclays

David, thank you for the contact info for the State Bank Commissioner of Delaware. I would like to add the following, which includes real contact info for Juniper/Barclays that you and other might appreciate having:

Juniper delays posting pmts in order to charge late pmts; late fees greatly increase reportable corporate revenues (which, in turn, raises stock value); it also uses those late fees to justify increasing consumers' interest rates, and then reports the late pmts to the credit bureau, damaging your credit score. That's insult to injury! Then they had the nerve to double my credit limit at the same time. What? Tempt me to charge more? Get me to overlook their fraudulent behavior? I think not. I don't lie down that easy.

I got hit like so many others with the unethical activities of Juniper Bank. As a legal secretary in the corporate department of my firm, I started researching Juniper and Barclays to find out who to complain to and ended up with 2 results: First, I got a splitting headache. Second, I GOT THE INFO and want to share it with everyone else: Juniper Bank was bought by a UK company called Barclays and they have an office in the US (actually the US office is a subsidiary, but it reports to and is controlled by the UK parent). The US office goes by a variety of names: Barclays Bank Delaware, Barclays Bank, Barclaycard US, Barclaycard International, Juniper Bank, Barclays PLC and Juniper Financial Corporation. Searching SEC records was a nightmare. I finally stumbled upon exactly what we all want to know: Who is in charge and where does the buck stop. Here is the information in case you want to call or write to them:

In Delaware:
Barclaycard US
100 S. West Street, Wilmington, Delaware 19801
Tel: (302) 255 8000 (note that this is not the number on the card)
Richard Vague, Chief Executive
James Stewart, President

One of the main complaints by others and myself is that when you call the number on the card or statement, you end up with someone in India or Pakistan or some other foreign country who can barely speak English. The number above will get you an American fluent in English. (The parent company is located in the UK, by the way.)

HOWEVER, let me relate to you what happened when I called. First, the young man pulled my account up and said his records showed no late payments. That was good news to hear, since Juniper charged me 2 late pmt fees before tripling my interest rate. He also said he did not see any late fees on my account. He said he could not explain the discrepancy. Even more interesting, right?

So, what's the disconnect between the foreign and domestic account records? Or is there one? FYI, this behavior started immediately after Barclays bought out the company, and if Barclays' behavior is merely unintentional, slipshod, mismanaged accounting, it's not likely it would have become the financial megaconglomerate that it is, ranking in the top 5.

I know Barclays is a serious competitor of the other major credit card companies in total revenues, so maybe this is their way of generating more revenues (which translates into bumping up their ranking in the top 5.) Hope others get the same kind of information about their accounts as I did when they call the above number. Now, THAT is something I think the Justice Department might be interested in knowing about.

The young man (whose name is Allen Ernst) also told me that the law allows them to legally hold pmts up to 7 days after receipt before they are required to post them to accounts. Something about ACH. I think this is something that Congress should take a hard look at, considering credit card companies can intentionally delay posting pmts for the very purpose of charging late fees. As a consumer, I have to tell you that paying fraudulent late fees is bad enough, but having these "late pmts" reported to the credit bureau has gotten my ire up more than I can tell you.

Anyway, I explained to the young man that I attempted to pay off my card using a balance transfer from another card company, and that Juniper returned the funds with the explanation that they do not have an account with that number. I asked him if I should have given the other card company a different name, like Barclays. He said to use Barclays Bank Delaware, but that it should have gone through using Juniper Bank, since they are basically one and the same and are still using the Juniper Bank name as well as Barclays Bank Delaware. He said to have the other company send it, again. (I already did.)

Finally, just as I was feeling a bit better about the situation, the young man told me he was going to connect me with an account manager who could address the issue of my triple rate increase which was supposedly based on late pmts. I thought he put me on hold until I heard a huge, loud sigh, then heard him say nastily: Yi, yi, yi. I hate that. I just hate it when you ask can I help you with anything else and they say, oh, yeah" Then he said a curse word I can't put in this email. He didn't realize I was still on the phone. I said, hello, and he said Barclay's this is Al, how may I help you? May I have your name? I told him I was still on the phone, and he said, oh, yeah, let me transfer you. Then he simply hung up the phone.

Anyway, I would like to thank you, again, and repeat here what you put in your report for those who didn't see it:
"I advise everyone with a beef against Juniper to contact the State of Delaware
Office of the State Bank Commissioner. Tele: (302) 739-4235
Here is the link to their website: http://banking.delaware.gov/default.shtml
You can download the forms from the site to submit your complaint."

Good luck to you. Let me know how you fare.

If anyone wants to go further up the chain, here is the rest of it:
In the UK:
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
Tel: +44 (0) 1604 234 234
Phil Bishop Human Resources Director
Keith Coulter Managing Director,
UK Consumer Cards and Loans
Richard Davies Acting Managing Director, Barclaycard Partnerships
Mark Evans Chief Operating Officer (THIS IS THE TOPMOST GUY)
Peter Herbert Managing Director, Barclaycard
International
***Gary Hoffman Chairman, UK Banking and Chairman, Barclaycard (THIS IS THE TOP GUY for the credit cards)
***Antony Jenkins Chief Executive (of Barclaycard EVERYWHERE)(REPORTS DIRECTLY TO HOFFMAN; TWO DELAWARE EXECS ANSWER TO HIM)
Gerald Kitchen Managing Director,
Barclaycard Business
Dale Roskom Director, UK Consumer
Credit Risk
Colin Walklin Finance Director

David, thank you for the contact info for the State Bank Commissioner of Delaware. I would like to add the following, which includes real contact info for Juniper/Barclays that you and other might appreciate having:

Juniper delays posting pmts in order to charge late pmts; late fees greatly increase reportable corporate revenues (which, in turn, raises stock value); it also uses those late fees to justify increasing consumers' interest rates, and then reports the late pmts to the credit bureau, damaging your credit score. That's insult to injury! Then they had the nerve to double my credit limit at the same time. What? Tempt me to charge more? Get me to overlook their fraudulent behavior? I think not. I don't lie down that easy.

I got hit like so many others with the unethical activities of Juniper Bank. As a legal secretary in the corporate department of my firm, I started researching Juniper and Barclays to find out who to complain to and ended up with 2 results: First, I got a splitting headache. Second, I GOT THE INFO and want to share it with everyone else: Juniper Bank was bought by a UK company called Barclays and they have an office in the US (actually the US office is a subsidiary, but it reports to and is controlled by the UK parent). The US office goes by a variety of names: Barclays Bank Delaware, Barclays Bank, Barclaycard US, Barclaycard International, Juniper Bank, Barclays PLC and Juniper Financial Corporation. Searching SEC records was a nightmare. I finally stumbled upon exactly what we all want to know: Who is in charge and where does the buck stop. Here is the information in case you want to call or write to them:

In Delaware:
Barclaycard US
100 S. West Street, Wilmington, Delaware 19801
Tel: (302) 255 8000 (note that this is not the number on the card)
Richard Vague, Chief Executive
James Stewart, President

One of the main complaints by others and myself is that when you call the number on the card or statement, you end up with someone in India or Pakistan or some other foreign country who can barely speak English. The number above will get you an American fluent in English. (The parent company is located in the UK, by the way.)

HOWEVER, let me relate to you what happened when I called. First, the young man pulled my account up and said his records showed no late payments. That was good news to hear, since Juniper charged me 2 late pmt fees before tripling my interest rate. He also said he did not see any late fees on my account. He said he could not explain the discrepancy. Even more interesting, right?

So, what's the disconnect between the foreign and domestic account records? Or is there one? FYI, this behavior started immediately after Barclays bought out the company, and if Barclays' behavior is merely unintentional, slipshod, mismanaged accounting, it's not likely it would have become the financial megaconglomerate that it is, ranking in the top 5.

I know Barclays is a serious competitor of the other major credit card companies in total revenues, so maybe this is their way of generating more revenues (which translates into bumping up their ranking in the top 5.) Hope others get the same kind of information about their accounts as I did when they call the above number. Now, THAT is something I think the Justice Department might be interested in knowing about.

The young man (whose name is Allen Ernst) also told me that the law allows them to legally hold pmts up to 7 days after receipt before they are required to post them to accounts. Something about ACH. I think this is something that Congress should take a hard look at, considering credit card companies can intentionally delay posting pmts for the very purpose of charging late fees. As a consumer, I have to tell you that paying fraudulent late fees is bad enough, but having these "late pmts" reported to the credit bureau has gotten my ire up more than I can tell you.

Anyway, I explained to the young man that I attempted to pay off my card using a balance transfer from another card company, and that Juniper returned the funds with the explanation that they do not have an account with that number. I asked him if I should have given the other card company a different name, like Barclays. He said to use Barclays Bank Delaware, but that it should have gone through using Juniper Bank, since they are basically one and the same and are still using the Juniper Bank name as well as Barclays Bank Delaware. He said to have the other company send it, again. (I already did.)

Finally, just as I was feeling a bit better about the situation, the young man told me he was going to connect me with an account manager who could address the issue of my triple rate increase which was supposedly based on late pmts. I thought he put me on hold until I heard a huge, loud sigh, then heard him say nastily: Yi, yi, yi. I hate that. I just hate it when you ask can I help you with anything else and they say, oh, yeah" Then he said a curse word I can't put in this email. He didn't realize I was still on the phone. I said, hello, and he said Barclay's this is Al, how may I help you? May I have your name? I told him I was still on the phone, and he said, oh, yeah, let me transfer you. Then he simply hung up the phone.

Anyway, I would like to thank you, again, and repeat here what you put in your report for those who didn't see it:
"I advise everyone with a beef against Juniper to contact the State of Delaware
Office of the State Bank Commissioner. Tele: (302) 739-4235
Here is the link to their website: http://banking.delaware.gov/default.shtml
You can download the forms from the site to submit your complaint."

Good luck to you. Let me know how you fare.

If anyone wants to go further up the chain, here is the rest of it:
In the UK:
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
Tel: +44 (0) 1604 234 234
Phil Bishop Human Resources Director
Keith Coulter Managing Director,
UK Consumer Cards and Loans
Richard Davies Acting Managing Director, Barclaycard Partnerships
Mark Evans Chief Operating Officer (THIS IS THE TOPMOST GUY)
Peter Herbert Managing Director, Barclaycard
International
***Gary Hoffman Chairman, UK Banking and Chairman, Barclaycard (THIS IS THE TOP GUY for the credit cards)
***Antony Jenkins Chief Executive (of Barclaycard EVERYWHERE)(REPORTS DIRECTLY TO HOFFMAN; TWO DELAWARE EXECS ANSWER TO HIM)
Gerald Kitchen Managing Director,
Barclaycard Business
Dale Roskom Director, UK Consumer
Credit Risk
Colin Walklin Finance Director

David, thank you for the contact info for the State Bank Commissioner of Delaware. I would like to add the following, which includes real contact info for Juniper/Barclays that you and other might appreciate having:

Juniper delays posting pmts in order to charge late pmts; late fees greatly increase reportable corporate revenues (which, in turn, raises stock value); it also uses those late fees to justify increasing consumers' interest rates, and then reports the late pmts to the credit bureau, damaging your credit score. That's insult to injury! Then they had the nerve to double my credit limit at the same time. What? Tempt me to charge more? Get me to overlook their fraudulent behavior? I think not. I don't lie down that easy.

I got hit like so many others with the unethical activities of Juniper Bank. As a legal secretary in the corporate department of my firm, I started researching Juniper and Barclays to find out who to complain to and ended up with 2 results: First, I got a splitting headache. Second, I GOT THE INFO and want to share it with everyone else: Juniper Bank was bought by a UK company called Barclays and they have an office in the US (actually the US office is a subsidiary, but it reports to and is controlled by the UK parent). The US office goes by a variety of names: Barclays Bank Delaware, Barclays Bank, Barclaycard US, Barclaycard International, Juniper Bank, Barclays PLC and Juniper Financial Corporation. Searching SEC records was a nightmare. I finally stumbled upon exactly what we all want to know: Who is in charge and where does the buck stop. Here is the information in case you want to call or write to them:

In Delaware:
Barclaycard US
100 S. West Street, Wilmington, Delaware 19801
Tel: (302) 255 8000 (note that this is not the number on the card)
Richard Vague, Chief Executive
James Stewart, President

One of the main complaints by others and myself is that when you call the number on the card or statement, you end up with someone in India or Pakistan or some other foreign country who can barely speak English. The number above will get you an American fluent in English. (The parent company is located in the UK, by the way.)

HOWEVER, let me relate to you what happened when I called. First, the young man pulled my account up and said his records showed no late payments. That was good news to hear, since Juniper charged me 2 late pmt fees before tripling my interest rate. He also said he did not see any late fees on my account. He said he could not explain the discrepancy. Even more interesting, right?

So, what's the disconnect between the foreign and domestic account records? Or is there one? FYI, this behavior started immediately after Barclays bought out the company, and if Barclays' behavior is merely unintentional, slipshod, mismanaged accounting, it's not likely it would have become the financial megaconglomerate that it is, ranking in the top 5.

I know Barclays is a serious competitor of the other major credit card companies in total revenues, so maybe this is their way of generating more revenues (which translates into bumping up their ranking in the top 5.) Hope others get the same kind of information about their accounts as I did when they call the above number. Now, THAT is something I think the Justice Department might be interested in knowing about.

The young man (whose name is Allen Ernst) also told me that the law allows them to legally hold pmts up to 7 days after receipt before they are required to post them to accounts. Something about ACH. I think this is something that Congress should take a hard look at, considering credit card companies can intentionally delay posting pmts for the very purpose of charging late fees. As a consumer, I have to tell you that paying fraudulent late fees is bad enough, but having these "late pmts" reported to the credit bureau has gotten my ire up more than I can tell you.

Anyway, I explained to the young man that I attempted to pay off my card using a balance transfer from another card company, and that Juniper returned the funds with the explanation that they do not have an account with that number. I asked him if I should have given the other card company a different name, like Barclays. He said to use Barclays Bank Delaware, but that it should have gone through using Juniper Bank, since they are basically one and the same and are still using the Juniper Bank name as well as Barclays Bank Delaware. He said to have the other company send it, again. (I already did.)

Finally, just as I was feeling a bit better about the situation, the young man told me he was going to connect me with an account manager who could address the issue of my triple rate increase which was supposedly based on late pmts. I thought he put me on hold until I heard a huge, loud sigh, then heard him say nastily: Yi, yi, yi. I hate that. I just hate it when you ask can I help you with anything else and they say, oh, yeah" Then he said a curse word I can't put in this email. He didn't realize I was still on the phone. I said, hello, and he said Barclay's this is Al, how may I help you? May I have your name? I told him I was still on the phone, and he said, oh, yeah, let me transfer you. Then he simply hung up the phone.

Anyway, I would like to thank you, again, and repeat here what you put in your report for those who didn't see it:
"I advise everyone with a beef against Juniper to contact the State of Delaware
Office of the State Bank Commissioner. Tele: (302) 739-4235
Here is the link to their website: http://banking.delaware.gov/default.shtml
You can download the forms from the site to submit your complaint."

Good luck to you. Let me know how you fare.

If anyone wants to go further up the chain, here is the rest of it:
In the UK:
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
Tel: +44 (0) 1604 234 234
Phil Bishop Human Resources Director
Keith Coulter Managing Director,
UK Consumer Cards and Loans
Richard Davies Acting Managing Director, Barclaycard Partnerships
Mark Evans Chief Operating Officer (THIS IS THE TOPMOST GUY)
Peter Herbert Managing Director, Barclaycard
International
***Gary Hoffman Chairman, UK Banking and Chairman, Barclaycard (THIS IS THE TOP GUY for the credit cards)
***Antony Jenkins Chief Executive (of Barclaycard EVERYWHERE)(REPORTS DIRECTLY TO HOFFMAN; TWO DELAWARE EXECS ANSWER TO HIM)
Gerald Kitchen Managing Director,
Barclaycard Business
Dale Roskom Director, UK Consumer
Credit Risk
Colin Walklin Finance Director

David, thank you for the contact info for the State Bank Commissioner of Delaware. I would like to add the following, which includes real contact info for Juniper/Barclays that you and other might appreciate having:

Juniper delays posting pmts in order to charge late pmts; late fees greatly increase reportable corporate revenues (which, in turn, raises stock value); it also uses those late fees to justify increasing consumers' interest rates, and then reports the late pmts to the credit bureau, damaging your credit score. That's insult to injury! Then they had the nerve to double my credit limit at the same time. What? Tempt me to charge more? Get me to overlook their fraudulent behavior? I think not. I don't lie down that easy.

I got hit like so many others with the unethical activities of Juniper Bank. As a legal secretary in the corporate department of my firm, I started researching Juniper and Barclays to find out who to complain to and ended up with 2 results: First, I got a splitting headache. Second, I GOT THE INFO and want to share it with everyone else: Juniper Bank was bought by a UK company called Barclays and they have an office in the US (actually the US office is a subsidiary, but it reports to and is controlled by the UK parent). The US office goes by a variety of names: Barclays Bank Delaware, Barclays Bank, Barclaycard US, Barclaycard International, Juniper Bank, Barclays PLC and Juniper Financial Corporation. Searching SEC records was a nightmare. I finally stumbled upon exactly what we all want to know: Who is in charge and where does the buck stop. Here is the information in case you want to call or write to them:

In Delaware:
Barclaycard US
100 S. West Street, Wilmington, Delaware 19801
Tel: (302) 255 8000 (note that this is not the number on the card)
Richard Vague, Chief Executive
James Stewart, President

One of the main complaints by others and myself is that when you call the number on the card or statement, you end up with someone in India or Pakistan or some other foreign country who can barely speak English. The number above will get you an American fluent in English. (The parent company is located in the UK, by the way.)

HOWEVER, let me relate to you what happened when I called. First, the young man pulled my account up and said his records showed no late payments. That was good news to hear, since Juniper charged me 2 late pmt fees before tripling my interest rate. He also said he did not see any late fees on my account. He said he could not explain the discrepancy. Even more interesting, right?

So, what's the disconnect between the foreign and domestic account records? Or is there one? FYI, this behavior started immediately after Barclays bought out the company, and if Barclays' behavior is merely unintentional, slipshod, mismanaged accounting, it's not likely it would have become the financial megaconglomerate that it is, ranking in the top 5.

I know Barclays is a serious competitor of the other major credit card companies in total revenues, so maybe this is their way of generating more revenues (which translates into bumping up their ranking in the top 5.) Hope others get the same kind of information about their accounts as I did when they call the above number. Now, THAT is something I think the Justice Department might be interested in knowing about.

The young man (whose name is Allen Ernst) also told me that the law allows them to legally hold pmts up to 7 days after receipt before they are required to post them to accounts. Something about ACH. I think this is something that Congress should take a hard look at, considering credit card companies can intentionally delay posting pmts for the very purpose of charging late fees. As a consumer, I have to tell you that paying fraudulent late fees is bad enough, but having these "late pmts" reported to the credit bureau has gotten my ire up more than I can tell you.

Anyway, I explained to the young man that I attempted to pay off my card using a balance transfer from another card company, and that Juniper returned the funds with the explanation that they do not have an account with that number. I asked him if I should have given the other card company a different name, like Barclays. He said to use Barclays Bank Delaware, but that it should have gone through using Juniper Bank, since they are basically one and the same and are still using the Juniper Bank name as well as Barclays Bank Delaware. He said to have the other company send it, again. (I already did.)

Finally, just as I was feeling a bit better about the situation, the young man told me he was going to connect me with an account manager who could address the issue of my triple rate increase which was supposedly based on late pmts. I thought he put me on hold until I heard a huge, loud sigh, then heard him say nastily: Yi, yi, yi. I hate that. I just hate it when you ask can I help you with anything else and they say, oh, yeah" Then he said a curse word I can't put in this email. He didn't realize I was still on the phone. I said, hello, and he said Barclay's this is Al, how may I help you? May I have your name? I told him I was still on the phone, and he said, oh, yeah, let me transfer you. Then he simply hung up the phone.

Anyway, I would like to thank you, again, and repeat here what you put in your report for those who didn't see it:
"I advise everyone with a beef against Juniper to contact the State of Delaware
Office of the State Bank Commissioner. Tele: (302) 739-4235
Here is the link to their website: http://banking.delaware.gov/default.shtml
You can download the forms from the site to submit your complaint."

Good luck to you. Let me know how you fare.

If anyone wants to go further up the chain, here is the rest of it:
In the UK:
Barclaycard
1234 Pavilion Drive
Northampton
NN4 7SG
Tel: +44 (0) 1604 234 234
Phil Bishop Human Resources Director
Keith Coulter Managing Director,
UK Consumer Cards and Loans
Richard Davies Acting Managing Director, Barclaycard Partnerships
Mark Evans Chief Operating Officer (THIS IS THE TOPMOST GUY)
Peter Herbert Managing Director, Barclaycard
International
***Gary Hoffman Chairman, UK Banking and Chairman, Barclaycard (THIS IS THE TOP GUY for the credit cards)
***Antony Jenkins Chief Executive (of Barclaycard EVERYWHERE)(REPORTS DIRECTLY TO HOFFMAN; TWO DELAWARE EXECS ANSWER TO HIM)
Gerald Kitchen Managing Director,
Barclaycard Business
Dale Roskom Director, UK Consumer
Credit Risk
Colin Walklin Finance Director

The closing date for your account changes every month. How about that! Ever heard of that one! I haven't, until now.
That is why the payment I made on May 7 went into the previous statement, and not the one that was due June 1. Two payments went into one billing cycle, and as a result, they recorded 'no payment' for following cycle, and assessed me a 'late fee'. Nice touch, guys.

So I guess it's all my fault. They keep changing the closing date of the billing cycle, and I was not hip to their tricks.

Gee - I wonder why they do that, and no one else. Do you think they'd try to intentionally trip me up, so they can jam me with a late fee?

I apologise to Juniper - it's all my fault. I'm the one who messed up - I trusted you!

I heard back from Juniper via email. They refused to admit they had charged me a $39.00 late fee in error, and said that they will not reverse the charge.

I suspect their strategy is to eventually jam me with another late fee (even if I'm not late) so that they can then charge me the mega rip-off interest rate. That's their game - a variation on the old 'bait and switch'. They lured me in with the 0% balance transfer. When they hit me with another late fee, they'll revert to the 'default rate'. They must have gotten their MBA's at the Tony Soprano School of Business.
I've paid off the account in full. I borrowed money at 12% elsewhere to do this. I'm certain if I stay with them they'll hit me with another late charge so they can charge me 30%. The way I see it, I'm saving money in the long run.

I advise everyone with a beef against Juniper to contact the State of Delaware - Office of the State bank Commissioner. Tele: (302) 739-4235
Here is the link to their website:
http://banking.delaware.gov/default.shtml
You can download the forms from the site to submit your complaint.

Now that I've looked more closely at my statements, I realise that what they call a 'late fee' is in fact an 'early fee'.
Because I make my online payments weeks ahead of the due date, two of them hit it one statement period. So as far as they're concerned, my payment was late. In fact, it was early. Very early. One would think that if I made two payments in one billing cycle, the latter of the two would count as a payment towards the next cycle. I guess not. Rule #1 - never pass up an opportunity to rip-off your customer.

So far I've had no response from them. But I've decided to borrow funds elsewhere, and pay them off in full. They win - they can have my $39.00.

I've no interest in doing business with scum like Juniper. I don't need their 0%
loan. I seriously regret ever having opened an account with them.

Now that I've looked more closely at my statements, I realise that what they call a 'late fee' is in fact an 'early fee'.
Because I make my online payments weeks ahead of the due date, two of them hit it one statement period. So as far as they're concerned, my payment was late. In fact, it was early. Very early. One would think that if I made two payments in one billing cycle, the latter of the two would count as a payment towards the next cycle. I guess not. Rule #1 - never pass up an opportunity to rip-off your customer.

So far I've had no response from them. But I've decided to borrow funds elsewhere, and pay them off in full. They win - they can have my $39.00.

I've no interest in doing business with scum like Juniper. I don't need their 0%
loan. I seriously regret ever having opened an account with them.

Now that I've looked more closely at my statements, I realise that what they call a 'late fee' is in fact an 'early fee'.
Because I make my online payments weeks ahead of the due date, two of them hit it one statement period. So as far as they're concerned, my payment was late. In fact, it was early. Very early. One would think that if I made two payments in one billing cycle, the latter of the two would count as a payment towards the next cycle. I guess not. Rule #1 - never pass up an opportunity to rip-off your customer.

So far I've had no response from them. But I've decided to borrow funds elsewhere, and pay them off in full. They win - they can have my $39.00.

I've no interest in doing business with scum like Juniper. I don't need their 0%
loan. I seriously regret ever having opened an account with them.

Now that I've looked more closely at my statements, I realise that what they call a 'late fee' is in fact an 'early fee'.
Because I make my online payments weeks ahead of the due date, two of them hit it one statement period. So as far as they're concerned, my payment was late. In fact, it was early. Very early. One would think that if I made two payments in one billing cycle, the latter of the two would count as a payment towards the next cycle. I guess not. Rule #1 - never pass up an opportunity to rip-off your customer.

So far I've had no response from them. But I've decided to borrow funds elsewhere, and pay them off in full. They win - they can have my $39.00.

I've no interest in doing business with scum like Juniper. I don't need their 0%
loan. I seriously regret ever having opened an account with them.

Please replace the term "scr*w" with "rip-off." I appologise for the bad language. I will re-post if necessary.

I meant to add to my report that I pay my bill online. So the excuse that 'the mail was late' isn't going to work. My payment hits my account the same day I send it. And my payments have not only been on time - they've always been about three weeks early. I suspected from the beginning that they would try to find a way to scr*w me, and my strategy was to pay so early that I could never come close to being late.

But they just couldn't hold themselves back. They had to try to scr*w me anyway. I know every trick in the book, and they just tried to scr*ew the wrong person.