Juniper Bank - Barclay's Bank Unfair Billing Practices, Violations ripoff Wilmington Delaware

Jen,

I am also having great difficulty with Barclays Bank of Delaware. I simply wanted to say "Thank you" for your diligence in reporting your continuing saga and that I would greatly appreciate future updates.

Thank you,

-D

As of right now, Barclay's failed to "show up for a deposition". They claim to have no record of ever having me as a customer, yet they still will not correct the trade line on my CRA.

Lawyers are having a field day, all I want is them to fix what they screwed up. I could care less about the money end of it.

As of right now, Barclay's failed to "show up for a deposition". They claim to have no record of ever having me as a customer, yet they still will not correct the trade line on my CRA.

Lawyers are having a field day, all I want is them to fix what they screwed up. I could care less about the money end of it.

Since the last update, I reviewed carful photocopies of statments. It appears that the card was compromised and additional fraudulent charges were made without my knowledge or consent. As the account was closed, I never received a e-bill and at no time with the various investigations involving the FTC, the Department of Banking and Insurance, or any other entity has the bank ever made inference to these erroneous charges.

Although the customer service supervisor (who is no longer with the bank and unavaible for depositions) indicated there was a charge for a "fish tank" - the bank has been unable to produce any sales slips, or signatures for a fish tank.

Additional unknown charges were recently discovered with attorney intervention for gas stations throughout the state of Tennessee in February and March 2006 AFTER the account was closed. Another bank card had contacted me and reported fraudulent charges detected in the same time frame. A police report was filed. Even with providing Barclay's evidence of potential fraudulent activity, they still disregard all requests for copies of receipts, signatures, or even information as to which gas stations the charges allegedly occured. They also can not provide exact dates, or dollar amounts of these alleged charges that are justifying the damage on my credit profile.

Barclay's also reported to the credit reporting agencies that they have no knowlege of the "fraud" and "disputed items".

My attorney has reviewed the extensive papertrail involving this dispute and requested physical addresses, telephone numbers, and copies of sales receipts for the purpose of review and deposition.

Mr. Clint Walker, General Legal Counsel of Barclay's has elected to disregard the amicable request and the subpeona's were signed by the judge. If the don't respond by June 30th - they are in contempt.

People having problems should go to the attorney general's office in Delaware where the bank is headquartered and in the state where you reside. If the bank is not properly registered to do business in your state - there are actions that can be taken under consumer protection.

Pull credit reports, keep a papertrail of damages. If you don't have an ability to record phone calls, keep a record of the date, time of call, length of call, the person you spoke to (ask for first, last name and/or employee ID#). If the rep refuses identifying information - make a note. Also make a note if you request a supervisor and they refuse to comply. The bank keeps recordings of these calls - so keep your cool - they will use it against you.

If you ask for a physical mailing address and they refuse - make a note of it.

Since the last update, I reviewed carful photocopies of statments. It appears that the card was compromised and additional fraudulent charges were made without my knowledge or consent. As the account was closed, I never received a e-bill and at no time with the various investigations involving the FTC, the Department of Banking and Insurance, or any other entity has the bank ever made inference to these erroneous charges.

Although the customer service supervisor (who is no longer with the bank and unavaible for depositions) indicated there was a charge for a "fish tank" - the bank has been unable to produce any sales slips, or signatures for a fish tank.

Additional unknown charges were recently discovered with attorney intervention for gas stations throughout the state of Tennessee in February and March 2006 AFTER the account was closed. Another bank card had contacted me and reported fraudulent charges detected in the same time frame. A police report was filed. Even with providing Barclay's evidence of potential fraudulent activity, they still disregard all requests for copies of receipts, signatures, or even information as to which gas stations the charges allegedly occured. They also can not provide exact dates, or dollar amounts of these alleged charges that are justifying the damage on my credit profile.

Barclay's also reported to the credit reporting agencies that they have no knowlege of the "fraud" and "disputed items".

My attorney has reviewed the extensive papertrail involving this dispute and requested physical addresses, telephone numbers, and copies of sales receipts for the purpose of review and deposition.

Mr. Clint Walker, General Legal Counsel of Barclay's has elected to disregard the amicable request and the subpeona's were signed by the judge. If the don't respond by June 30th - they are in contempt.

People having problems should go to the attorney general's office in Delaware where the bank is headquartered and in the state where you reside. If the bank is not properly registered to do business in your state - there are actions that can be taken under consumer protection.

Pull credit reports, keep a papertrail of damages. If you don't have an ability to record phone calls, keep a record of the date, time of call, length of call, the person you spoke to (ask for first, last name and/or employee ID#). If the rep refuses identifying information - make a note. Also make a note if you request a supervisor and they refuse to comply. The bank keeps recordings of these calls - so keep your cool - they will use it against you.

If you ask for a physical mailing address and they refuse - make a note of it.

As of today, the bank sent photocopies of statements after a national magazine called on the carpet.

The Department of Banking in Delaware altered their initial statements when the magazine called them for a statement and indicated they were "confused" about the facts and allege they were "unaware" the bank was charging exhorbitant fees on potentially fraudulent charges.

The charges in question were made out of state and "in person". The only problem is, I don't beleive I made the charges because I have not been to that particular state since I was a teenager visiting an uncle that moved to that state (and I am in the mid 40's now).

There is no way I was in that state after the account was closed (from the lack of response on those illegal insurance premiums).

The bank still refused copies of sales receipts and refuse to intiate a fraud investigation - despite police reports.

They have disregarded all contact from the indetity recovery insurance to remedy.

They have disregarded correspondence from my lawyer.

They still have this nonsense on my credit report to my knowledge, but no phone or mail contact.

Mr. Walker is either a complete snake in the grass or a complete moron. One can not prescribe malice to sheer incompetence.

Mr. Walker is the General Legal counsel of Barclay's. I informed him of the original dispute of unauthirized insurance premiums, the findings of two collection agencies finding that I do not owe the money Barlclay's claims I owe. And continued to complain about the lack of customer service and response from their agents throughout the 2 year duration of the dispute wasting not only my time and resources, but that of Barclay's as well. Now mind you my Ace in the hole is the MP3 of a Barclay's representative telling me I am too stupid to understand how a credit card works and her despription of some new and unpaid charge of $39.95 for a fish tank. I questioned the purchase and was told it was a purchase at a mall - not on line. Problem is, the charge allegedly originated out of state and half way across the country. I disputed the charge and asked for a sales slip or signature and I was told they did not have to provide that information. During this call the supervisor kept asking for different amounts to be paid ranging from $49.95 up to an amount of $1,149.

So my issues to legal counsel is this:

1) I am not paying late fees, over limit fees, and ovreinflated interest on the initial fraudulent charges I properly disputed two years prior.
2) I stated I beleive based upon the abusive conduct of the 2 hour recorded call that this "fish tank" allegedly purchased was a fabrication to justify the predatory fees and again requested a copy of the sales slip to evidence the debt was incurred legally.
3) I discussed the ongoing falsification of information on my credit report as listed with Trans Union.

In response to my request for proof of the debt I received two letters. The first letter advised they were adding a $3 service charge for "researching" the account and their idea of evidence was a "balance due statement" and not addressing the unknown newly introduced charge on the closed account.

The secod response came from Ms. Christopher in the Administrative Office, who was instructed by Mr. Walker to respond to my letter. In this letter there is no mention of the $39.95 fish tank. And their idea of "proof" the charges are not accrued fees associated with the original dispute is "gas stations, lodging, and storage". There are no dates associated with the charges. They don't know the dollar amount of the charges, and they don't even know the location of the charges.

The kicker is, they don't even know the actual balance due, only instruct me to call a collection agency to arrange for payment of an unknown amount. The collection agency already determined that the bank is owed nothing.

So I write to the Department of Banking in Delaware, and surprise surprise, they found that the letter is sufficient evidence the debt was incurred legally.

Needless to say I escalated this to the Federal level.

And as a side bar, Barclay's sent it to a third collection agency who was actually shut down in Tampa for drug trafficking and now only has their primary location in Buffalo, NY. Furthermore these people have been sued so many times for FDCPA violations they are banned from doing business in Idaho and West Virginia.

One of my new concerns is that the bank released my personal information to this syndicate. You can't be too careful and the original creditors need to be held liable for whom they disclose information to. They should be held accountable for subjecting consumers to harassment. It's just a matter of finding a balance of what type of account they are allowed to submit legitimately to an agency. For instance if they had no idea of the dispute, and no idea of the many problems and I just wasn't paying... that would be valid. In the case of a billing dispute, id theft, fraud, and other extenuating circumstances. The consumer should not be subject to agency harassment.

Don't get me wrong, the bank's two prior collection agencies accepted my documentation and found in my favor. It's just why should I have to start all over with agency #3, especially when they are known for illegal behaviour.

A man from another disreputable agency in Buffalo was recently arrested for using debtor files to commit acts of fraud against consumers in excess of $2 Million. He used their social, address and any other information to open up new lines of credit. The Buffalo paper had reported that folks who were foolish enough to pay by credit card or ATM debit card over the phone, gave him the card# and the secure pin code on the back wiping out their accounts and racking up fraudulent debt. The report said charges were for jewelry, electronic equipment, car insurance for him and other people, utility bills, his rent to name a few.

Since the last update, Barclay's collection agency Harvest Strategy has removed themselves from the drama and concur that I do not owe the bank any money. The agree the balance appears to be all predatory fees and interest accumulated on those predatory fees. (Again have Mp3's of Harvest's statments).

As a result of the letter sent to Mr. Clint Walker asking for "validating" information to ascertain if charges were on the account that were legitimately owed to the bank and ascertain their validity. I had indicated in this letter that I did not make any purchases for an approximate amount of $40 as their supervisor accused in a flimsy effort to justify thier predatory fees.

I also stated in this document I was unhappy with the supervisor grasping at straws alleging a different "due amount" throughout the course of the 2 hour recorded call. Alleged charges $39.99 up to $1,150 and no specific information was available.

The "itemized billing and validation of the debt was oddly intrepreted by legal counsel to mean a "balance due" statement of $853.00 along with a letter indicating I was being charged a $3 fee for investigating the balance.

Mr. Clint Walker, General Legal Counsel, refused to explain how this was "validating evidence" as intrepreted by any court system in the US to ascertain validity of the debt.

A few days later, I receive a second letter from a secretary in the Executive Office. This secretary stated in this document that there were in fact charges that were not paid for, but she doesn't know when the charges occurred, the dollar amount of the charges, and she doesn't know how much is actually owed on the account. In the letter she says the charges in questions were made as gas stations and storage. Not one date of charge, location of charge, or dollar amount of alleged charge was provided.

In the meantime, the State of NJ Department of Banking forwards my complaint to the Department of Banking in Delaware. In this rather short document provided by the State of DE Dept of Banking, they are giving the bank a pass on clearly violating the FCBA laws and will not intervee to assist in obtaining validating information of the debt.

Just as I was about to file charges against the bank, I received some disturbing, but enlightening news. Another, more reputable bank with whom I replaced the Barclay's card contacted me to question some detected activity on my charge card that seemed out of the ordinary. Yes, the card number was comprimised and it was confirmed identity theft.

It very well may be that Barclay's is just bad with their recordkeeping, and it may be plausible they permitted additional unauthorized charges on the closed accounts.

Although police reports and a statement outlining this known act of fraud was provided with another request for validating evidence to see if maybe the ID theft started earlier with their card number, was completely disregarded. Now the bank is in violation of a whole host of new laws whether it is a matter of predatory lending or fraud.

Thankfully, I have ID theft insurance and we have to consider carefully as to the liability Barclay's holds in this. If the Barclay's account was an early incident of fraud whether it be tied to the initial unauthorized insurance premiums (an offer from them I said I didn't want) or something else unrelated, their failure to act resulted in aiding and abbeding the individual(s) who committed the ID Theft crime.

Their failure to close the account and not allow additional fraudulent charges (if any) and their failure to respond to an inquiry could make them liable for overall damages.

It was definintely a lucky thing I have ID theft insurance, because the insurance carrier requested to take over the investigation of Barclay's before I initiate legal action and the other bank who detected the fraudulent charges is having their team contact Mr. Walker to explain why the relcutance in providing the consumer requested information to hinder police and bank investigation efforts.

Will provide the next update when something new happens.

The account made it's way to a collection agency in July. I sent my documentation to the agency and made a number of recorded calls throughout a 10 day process it took for Holly of Harvest Management to investigate. She stated on a recorded line that she found in my favor, and would credit the account, instruct the CRA's to correct the trade line to read paid in full/never late on the date it actually WAS paid in full and closed. We scheduled a time four days later for me to receive confirmation that the changes/corrections went through with no problems. On this follow up call, I was informed her authority to credit the account back to zero was pulled by the bank on the day she found in my favor. She said the bank was hopefully making the correction as she assured it would and directed me back to their offices.

This conversation with the bank, also recorded, did not go well. The first customer service person refused to make the corrections suddenly alleging there were additional charges on the account above and beyond the disputed issues and she felt justified in allowing the predatory fees to remain. I questioned the nature of these alleged charges and asked why not one prior bank rep over the last 18 months ever eluded to unpaid legitimate charges. I asked for dates of charges, amounts, and other information. The balance of the alleged unpaid charges ranged from $39.99 up to $1,150 and no specific information was available. Being that she sounded like she was grabbing at straws and unable to provide clear and concise information, I asked for validating evidence in writing for review. She stated there is no validating evidence supporting this alleged balance. HELLO - FCBA violations.

I tracked down General Legal Counsel of Juniper/Barclay's Mr. Clint Walker with a physical mailing address and sent a certified package contained a detailed outline of the dispute. A CD with recorded telephone conversations with their third party agent confirming I am not responsible for the balance, and the 90 minute recording of my conversation with the Barclay's supervisor that stated they could not provide any information or explanation as to why this was the first I was hearing of an unpaid balance.

I received two responses to this inquiry. The first response was a letter stating I was being billed $3 for their research into providing a copy of a balance due statement and no backup or detailed information about how they arrive at an alleged balance due listed at $750. I honestly beleive this company is stonewalling and if there really was a legitimate charge, they would not have taken 18 months to mention it and their third party agents reviewing their records, would not have certified I don't owe them any money.

The second response I get arrived 3 days later and this letter lacks organization and again demonstrates the ongoing stonewalling at the direction of Lgeal Counsel. The letter does confirm that the charges for the insurance premiums were credited, then it states that there were $340 of charges to gas stations and for storage (no addresses, dates of charges, locations or even specific dollar amounts) plus over limit fees, late fees, and interest accumulated on the entire balance.

The letter further ecourages me to make payment arrangements through the collection agency that already ceritifed I don't owe them any money and stated that the bank pulled their authority back.

I did call my contact at the agency, she did double check and I should have a letter from them confirming the issue with their office has been closed by Juniper.

I sent another letter to Mr. Clint Walker asking how these two pieces of documentation ascertain validity of the debt, how it was incurred, and how he would expect the consumer with this general information to track the charges to determine if there was a legitimate charge, an act of fraud, or as I suspect based on my evidence collected - the bank is making false allegation for the purpose of extortion holding my credit rating hostage.

Mr. Clint Walker had 15 days in which to respond and FAILED to do so. (15 days was up yesterday). I am in the process of filing the paperwork in Special Civil Part Court to seek final resolution, and seek reimbursement of an overpayment I made on the account for $30.96, filing fees, court costs, and any additional restitution the court deems fit to cover inordinate expenses (postage etc.) that was incurred as a result of their failure to comply with the FCBA and the FCRA.

And, I am naming each individual I interacted with from Barclay's as a named co-defendent.

Juniper/Barclay's Welcome to NJ!

The account made it's way to a collection agency in July. I sent my documentation to the agency and made a number of recorded calls throughout a 10 day process it took for Holly of Harvest Management to investigate. She stated on a recorded line that she found in my favor, and would credit the account, instruct the CRA's to correct the trade line to read paid in full/never late on the date it actually WAS paid in full and closed. We scheduled a time four days later for me to receive confirmation that the changes/corrections went through with no problems. On this follow up call, I was informed her authority to credit the account back to zero was pulled by the bank on the day she found in my favor. She said the bank was hopefully making the correction as she assured it would and directed me back to their offices.

This conversation with the bank, also recorded, did not go well. The first customer service person refused to make the corrections suddenly alleging there were additional charges on the account above and beyond the disputed issues and she felt justified in allowing the predatory fees to remain. I questioned the nature of these alleged charges and asked why not one prior bank rep over the last 18 months ever eluded to unpaid legitimate charges. I asked for dates of charges, amounts, and other information. The balance of the alleged unpaid charges ranged from $39.99 up to $1,150 and no specific information was available. Being that she sounded like she was grabbing at straws and unable to provide clear and concise information, I asked for validating evidence in writing for review. She stated there is no validating evidence supporting this alleged balance. HELLO - FCBA violations.

I tracked down General Legal Counsel of Juniper/Barclay's Mr. Clint Walker with a physical mailing address and sent a certified package contained a detailed outline of the dispute. A CD with recorded telephone conversations with their third party agent confirming I am not responsible for the balance, and the 90 minute recording of my conversation with the Barclay's supervisor that stated they could not provide any information or explanation as to why this was the first I was hearing of an unpaid balance.

I received two responses to this inquiry. The first response was a letter stating I was being billed $3 for their research into providing a copy of a balance due statement and no backup or detailed information about how they arrive at an alleged balance due listed at $750. I honestly beleive this company is stonewalling and if there really was a legitimate charge, they would not have taken 18 months to mention it and their third party agents reviewing their records, would not have certified I don't owe them any money.

The second response I get arrived 3 days later and this letter lacks organization and again demonstrates the ongoing stonewalling at the direction of Lgeal Counsel. The letter does confirm that the charges for the insurance premiums were credited, then it states that there were $340 of charges to gas stations and for storage (no addresses, dates of charges, locations or even specific dollar amounts) plus over limit fees, late fees, and interest accumulated on the entire balance.

The letter further ecourages me to make payment arrangements through the collection agency that already ceritifed I don't owe them any money and stated that the bank pulled their authority back.

I did call my contact at the agency, she did double check and I should have a letter from them confirming the issue with their office has been closed by Juniper.

I sent another letter to Mr. Clint Walker asking how these two pieces of documentation ascertain validity of the debt, how it was incurred, and how he would expect the consumer with this general information to track the charges to determine if there was a legitimate charge, an act of fraud, or as I suspect based on my evidence collected - the bank is making false allegation for the purpose of extortion holding my credit rating hostage.

Mr. Clint Walker had 15 days in which to respond and FAILED to do so. (15 days was up yesterday). I am in the process of filing the paperwork in Special Civil Part Court to seek final resolution, and seek reimbursement of an overpayment I made on the account for $30.96, filing fees, court costs, and any additional restitution the court deems fit to cover inordinate expenses (postage etc.) that was incurred as a result of their failure to comply with the FCBA and the FCRA.

And, I am naming each individual I interacted with from Barclay's as a named co-defendent.

Juniper/Barclay's Welcome to NJ!

The account made it's way to a collection agency in July. I sent my documentation to the agency and made a number of recorded calls throughout a 10 day process it took for Holly of Harvest Management to investigate. She stated on a recorded line that she found in my favor, and would credit the account, instruct the CRA's to correct the trade line to read paid in full/never late on the date it actually WAS paid in full and closed. We scheduled a time four days later for me to receive confirmation that the changes/corrections went through with no problems. On this follow up call, I was informed her authority to credit the account back to zero was pulled by the bank on the day she found in my favor. She said the bank was hopefully making the correction as she assured it would and directed me back to their offices.

This conversation with the bank, also recorded, did not go well. The first customer service person refused to make the corrections suddenly alleging there were additional charges on the account above and beyond the disputed issues and she felt justified in allowing the predatory fees to remain. I questioned the nature of these alleged charges and asked why not one prior bank rep over the last 18 months ever eluded to unpaid legitimate charges. I asked for dates of charges, amounts, and other information. The balance of the alleged unpaid charges ranged from $39.99 up to $1,150 and no specific information was available. Being that she sounded like she was grabbing at straws and unable to provide clear and concise information, I asked for validating evidence in writing for review. She stated there is no validating evidence supporting this alleged balance. HELLO - FCBA violations.

I tracked down General Legal Counsel of Juniper/Barclay's Mr. Clint Walker with a physical mailing address and sent a certified package contained a detailed outline of the dispute. A CD with recorded telephone conversations with their third party agent confirming I am not responsible for the balance, and the 90 minute recording of my conversation with the Barclay's supervisor that stated they could not provide any information or explanation as to why this was the first I was hearing of an unpaid balance.

I received two responses to this inquiry. The first response was a letter stating I was being billed $3 for their research into providing a copy of a balance due statement and no backup or detailed information about how they arrive at an alleged balance due listed at $750. I honestly beleive this company is stonewalling and if there really was a legitimate charge, they would not have taken 18 months to mention it and their third party agents reviewing their records, would not have certified I don't owe them any money.

The second response I get arrived 3 days later and this letter lacks organization and again demonstrates the ongoing stonewalling at the direction of Lgeal Counsel. The letter does confirm that the charges for the insurance premiums were credited, then it states that there were $340 of charges to gas stations and for storage (no addresses, dates of charges, locations or even specific dollar amounts) plus over limit fees, late fees, and interest accumulated on the entire balance.

The letter further ecourages me to make payment arrangements through the collection agency that already ceritifed I don't owe them any money and stated that the bank pulled their authority back.

I did call my contact at the agency, she did double check and I should have a letter from them confirming the issue with their office has been closed by Juniper.

I sent another letter to Mr. Clint Walker asking how these two pieces of documentation ascertain validity of the debt, how it was incurred, and how he would expect the consumer with this general information to track the charges to determine if there was a legitimate charge, an act of fraud, or as I suspect based on my evidence collected - the bank is making false allegation for the purpose of extortion holding my credit rating hostage.

Mr. Clint Walker had 15 days in which to respond and FAILED to do so. (15 days was up yesterday). I am in the process of filing the paperwork in Special Civil Part Court to seek final resolution, and seek reimbursement of an overpayment I made on the account for $30.96, filing fees, court costs, and any additional restitution the court deems fit to cover inordinate expenses (postage etc.) that was incurred as a result of their failure to comply with the FCBA and the FCRA.

And, I am naming each individual I interacted with from Barclay's as a named co-defendent.

Juniper/Barclay's Welcome to NJ!

The account made it's way to a collection agency in July. I sent my documentation to the agency and made a number of recorded calls throughout a 10 day process it took for Holly of Harvest Management to investigate. She stated on a recorded line that she found in my favor, and would credit the account, instruct the CRA's to correct the trade line to read paid in full/never late on the date it actually WAS paid in full and closed. We scheduled a time four days later for me to receive confirmation that the changes/corrections went through with no problems. On this follow up call, I was informed her authority to credit the account back to zero was pulled by the bank on the day she found in my favor. She said the bank was hopefully making the correction as she assured it would and directed me back to their offices.

This conversation with the bank, also recorded, did not go well. The first customer service person refused to make the corrections suddenly alleging there were additional charges on the account above and beyond the disputed issues and she felt justified in allowing the predatory fees to remain. I questioned the nature of these alleged charges and asked why not one prior bank rep over the last 18 months ever eluded to unpaid legitimate charges. I asked for dates of charges, amounts, and other information. The balance of the alleged unpaid charges ranged from $39.99 up to $1,150 and no specific information was available. Being that she sounded like she was grabbing at straws and unable to provide clear and concise information, I asked for validating evidence in writing for review. She stated there is no validating evidence supporting this alleged balance. HELLO - FCBA violations.

I tracked down General Legal Counsel of Juniper/Barclay's Mr. Clint Walker with a physical mailing address and sent a certified package contained a detailed outline of the dispute. A CD with recorded telephone conversations with their third party agent confirming I am not responsible for the balance, and the 90 minute recording of my conversation with the Barclay's supervisor that stated they could not provide any information or explanation as to why this was the first I was hearing of an unpaid balance.

I received two responses to this inquiry. The first response was a letter stating I was being billed $3 for their research into providing a copy of a balance due statement and no backup or detailed information about how they arrive at an alleged balance due listed at $750. I honestly beleive this company is stonewalling and if there really was a legitimate charge, they would not have taken 18 months to mention it and their third party agents reviewing their records, would not have certified I don't owe them any money.

The second response I get arrived 3 days later and this letter lacks organization and again demonstrates the ongoing stonewalling at the direction of Lgeal Counsel. The letter does confirm that the charges for the insurance premiums were credited, then it states that there were $340 of charges to gas stations and for storage (no addresses, dates of charges, locations or even specific dollar amounts) plus over limit fees, late fees, and interest accumulated on the entire balance.

The letter further ecourages me to make payment arrangements through the collection agency that already ceritifed I don't owe them any money and stated that the bank pulled their authority back.

I did call my contact at the agency, she did double check and I should have a letter from them confirming the issue with their office has been closed by Juniper.

I sent another letter to Mr. Clint Walker asking how these two pieces of documentation ascertain validity of the debt, how it was incurred, and how he would expect the consumer with this general information to track the charges to determine if there was a legitimate charge, an act of fraud, or as I suspect based on my evidence collected - the bank is making false allegation for the purpose of extortion holding my credit rating hostage.

Mr. Clint Walker had 15 days in which to respond and FAILED to do so. (15 days was up yesterday). I am in the process of filing the paperwork in Special Civil Part Court to seek final resolution, and seek reimbursement of an overpayment I made on the account for $30.96, filing fees, court costs, and any additional restitution the court deems fit to cover inordinate expenses (postage etc.) that was incurred as a result of their failure to comply with the FCBA and the FCRA.

And, I am naming each individual I interacted with from Barclay's as a named co-defendent.

Juniper/Barclay's Welcome to NJ!

I called Barclay's again last week to b***h and moan about the damage they are causing and try to uncover some more info. I have a free software patch called Call Graph and I started recording these ongoing disputes and phone calls.

In any event, I called Barclay's to test out my new freeware and Barclay's automatically transfers me to Harvest Strategies. They popped me over to a collection agency and refuse to disucss the dispute.

I called the agency on the carpet because I never received notification that the account was turned over to them. The woman on the recording is incoherent. She can't even put a complete sentence together and yes, English was her first language .. we are talking pure stupidity and not a communication gap.

So I am told that the ONLY rep that I can talk to is Holly. Unfortunately for 2 days Holly is out to lunch. I wish I had a job that gave me 4 hour lunch breaks!

So I send all my dispute paperwork (after getting Harvest's physical mailing address) signed return receipt via FedEx. When th epackage is received and signed for, I call Holly. I actually got her and initially she was very abrasive, but I explained my position and discussed with her the evidence. Evidently, Barclay's was initiating a lawsuit they need to "pull back" on the predatory lending fees.

Holly also assures my credit will be updated to accurately reflect paid in full, never late, and closed by consumer with date of last activity 2/2007.

So if there are additional issues, my attorney is on standby and I have Holly's promise on an MP3.

As of the last update, the account had been sent to West Asset Management and all of my documentation, including copies of the refused/return to sender envelope from their client quickly caused West Asset to take a step back and close the file.

I received notification they placed a derogatory listing on two of the three major credit reporting agencies, therefore I circled back to the Federal Banking Commission to verify the status on prior complaints and update my assigned investigator of this development. I learned Barclay's was sold and is now owned by Wells Fargo.

So I call Barclay's, a phone number on a May 2008 statement now reading over $700 to discuss derogatory information on the credit history profile and provide them a final chance to correct their billing errors. It didn't hurt that I had a Federal Investigator on the line supporting that they found in my favor and that their review indicates I owe them nothing.

I have issues already with this relatively unknown collection agency. I did a google and there are a few lawsuits against them, but nothing really to warrant a WATCH at this point in time. They are based out of Denver CO but they are already in violation of FDCPA.

Barclay's transferred me right to them without my concent or knowledge when I called thier customer service line. I spoke to a representaive named Robin. Robin indicated that no one other than Holly was able to discuss the account. Robin illegally represented the firm (as I found out today) as a law firm.

I asked Robin why I did not receive notice that the account was in their office so that my documentation and a formal dispute could be sent. She said she didn't know. I asked to be transferred to Holly and was told she was out to lunch. Now this call, I actually recorded as a test with one of these on-line interfaces using Skype and her voice is hard to hear but it is commical stuttering for 9 minutes.

I called back 90 minutes later, actually almost 2 hours and spoke to Michael. Michael also claimed that Barclay's refuses to talk to me direct and they will handle corrections regarding the account, but I need to speak to the mysterious Holly - who was still out to lunch. Michael claims they just got the account and I should receive an annoucement from their firm within the next three days. I explained the situation, I advised him that his client refused supporting documentation from the Federal Banking Investigator as well as the Department of Insurance (in my State) as well as apologies and confirmations of billing errors from the insurance carrier. I also told him that in February I went through the same information with West Asset Management and sent documentation at my expense and the matter was closed. He refused their fed-Ex bill number to resubmit the paperwork.

Based upon legal counsel advice, I have sent the documentation to Harvest again at my expense and have clearly instructed them to supply evidence the account has been corrected as well as all derrogatory listings on the CRA's.

So let's see what happens.

This is the predatory lending/credit card practices that is currently being reviewed in Congress.

No, you don't pay for these excessive bank fees because of their failure to keep an account closed once a number has been comprimised.

This is litigious action and after 30 days if they can not justify that the charges were incurred legally, they are not only in violation of the Fair Credit Billing Act but the Fair Credit Reporting Act.

It's people like you that fold under a little bit of extortion that allow these predatory companies to continue their reign of terror.

What consumers need to do is use forums such as this to band together and create change.

As far as their threats of 7 years damage. Nonsense. Once you file a dispute with the CRA's along with validating evidence that the charges were incurred illegally under the Fair Credit Billing Act, they MUST remove the derogatory trade line. If not, you have one big law suit and that my friend, will bring about change.

I encourage you not to stick your head in the sand and become part of the solution rather than rolling over, playing dead, and allowing the continuation of illegal business practices to continue.

I agree it's not fair, however unless Juniper is at fault, they will not refund the fees (as you are aware). Technically Juniper is not at fault because even though you closed the account, the insurance company (on your behalf) charged something they weren't supposed to charge, which re-opened the account.

I agree it's not right, and they could reverse the fees. However, if you see that you are not winning, you should immediately take care of the fees you owe and be done with it. It will increase to thousands of dollars over the years and follow you around if you don't. Or, if you don't mind the blemish on your report for 7 years and a possible lawsuit in the future, you can leave it be. It doesn't work anymore to not pay something on principal. They get you back.

Despite the fact that documentation was sent to their agents, I am still receiving SPAM from Juniper. They refuse to remove me from their email list.

I haven't received any phone calls, but I do keep getting collection letters encouraging me to pay a settlement offer of 50% of the alleged bill and receive a $25 gift card for doing so.

Incentives in collections, I kind of like that, it's a lot more reputable than some of the collection practices out there.

My only issue, I don't owe the bill. The charges were 100% fruaudulent, it was reported and the fraudulent charges were removed. The entire $600+ balance and growing is solely interest, late fees, and over limit fees because I closed the account in April 2007 when they allowed the fraudulent billing to continue.

Despite the fact that documentation was sent to their agents, I am still receiving SPAM from Juniper. They refuse to remove me from their email list.

I haven't received any phone calls, but I do keep getting collection letters encouraging me to pay a settlement offer of 50% of the alleged bill and receive a $25 gift card for doing so.

Incentives in collections, I kind of like that, it's a lot more reputable than some of the collection practices out there.

My only issue, I don't owe the bill. The charges were 100% fruaudulent, it was reported and the fraudulent charges were removed. The entire $600+ balance and growing is solely interest, late fees, and over limit fees because I closed the account in April 2007 when they allowed the fraudulent billing to continue.

Despite the fact that documentation was sent to their agents, I am still receiving SPAM from Juniper. They refuse to remove me from their email list.

I haven't received any phone calls, but I do keep getting collection letters encouraging me to pay a settlement offer of 50% of the alleged bill and receive a $25 gift card for doing so.

Incentives in collections, I kind of like that, it's a lot more reputable than some of the collection practices out there.

My only issue, I don't owe the bill. The charges were 100% fruaudulent, it was reported and the fraudulent charges were removed. The entire $600+ balance and growing is solely interest, late fees, and over limit fees because I closed the account in April 2007 when they allowed the fraudulent billing to continue.

Despite the fact that documentation was sent to their agents, I am still receiving SPAM from Juniper. They refuse to remove me from their email list.

I haven't received any phone calls, but I do keep getting collection letters encouraging me to pay a settlement offer of 50% of the alleged bill and receive a $25 gift card for doing so.

Incentives in collections, I kind of like that, it's a lot more reputable than some of the collection practices out there.

My only issue, I don't owe the bill. The charges were 100% fruaudulent, it was reported and the fraudulent charges were removed. The entire $600+ balance and growing is solely interest, late fees, and over limit fees because I closed the account in April 2007 when they allowed the fraudulent billing to continue.

Juniper still refuses to accept any documentation but had the nerve to send the account to collection.

This all started in 2007, the bill is solely late fees, over limit fees, and accrued interest at the extortion rate racking up a bill in excess of $1,000. Again, it's all stemming from the $184 billed in error by my insurance carrier in March 2007. The insurance credited the balance at the end of May once the error was detected and dealt with.

Juniper's collection agency (ACS) stated it is not the responsibility of their client to deny payment on charges presented on a CLOSED account. They also have the mistaken impression that the Fair Billing Practices Act doesn't apply to Juniper and they are entitiled to bill all of these bank fees and add bank fees monthly as well as 30% interest billed monthly on top of their interest/fees from the prior month. I get $68 a month in fees and the interest goes up every month accordingly.

Needless to say, my documentation sent to the agency was disregarded.

Payments were made on time on the uncontested amount that I actually did owe. However, even though the payment (more than the minimum) was paid, they still elected to add a $29 late fee and since I got angry and canceled the account, the $39 over limit free applied because of their late fee.

I sent a final payment and called customer service again and was told by the service rep she sympathized, but there was nothing she could do to correct the account and there was NOWHERE to transfer me. Had she not been so polite I would have been cussing like a trucker because she said supervisors will not take phone calls from consumers and they don't have any access whatsoever to management from the call center floor.

I was refused again a physical mailing address because they will not accept any documentation registered mail, FedEx, or UPS. They will not accept any correspondence requiring their signature to confirm receipt.

I sent in another dispute letter along with an explanation as to why I wasn't paying until they justified all the bank fees and interest on bank fees (Now about $450 worth).

Waiting for a bill collector to call any day now and have been monitoring my credit. So far it's been 3 weeks with no response. I seriously doubt they will just "go away" and this will be an entanglement.