• Report: #385545

Complaint Review: Barclay Card USA - Juniper Bank - Carnival SeaMiles

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  • Submitted: Tue, October 28, 2008
  • Updated: Tue, October 28, 2008

  • Reported By:Eddyville Kentucky
Barclay Card USA - Juniper Bank - Carnival SeaMiles
www.juniper.com Wilmington, Delaware U.S.A.

Barclay Card USA - Juniper Bank - Carnival SeaMiles Holding Payments Causing Late Payment Fees, Accusing Customer of Risky Activity Wilmington Delaware

*Consumer Comment: Some card companies do this.

*Consumer Comment: Its also a Violation of the FAIR CREDIT BILLING ACT and ELECTRONIC FUNDS TRANSFER ACT

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I have had a Carnival SeaMiles account with Juniper Bank for over 2 years now. In that time I have NEVER made a late payment, have always made more than the minimum payment due and my bank has never asked for the funds back from a payment I have made to Juniper/Barclay.

On a consistent basis Juniper places 7-10 day holds on the payments I make. These funds are then unavailable for use. I have monthly bills that I run through this card for the sole purpose of accumulating SeaMiles. Several times the payments have been refused by Juniper even though they are sitting on more than enough to accept the charges.

I believe that what Juniper has done and continues to do is unethical and immoral. My payment history over the last two years shows me to be a very reliable customer and for that I am only punished. I intend to pay this card the rest of the way off and take my business elsewhere. I do not have another bank that treats me with this kind of disrespect.

Jj
Eddyville, Kentucky
U.S.A.

This report was posted on Ripoff Report on 10/28/2008 08:22 AM and is a permanent record located here: http://www.ripoffreport.com/r/Barclay-Card-USA-Juniper-Bank-Carnival-SeaMiles/Wilmington-Delaware-19899/Barclay-Card-USA-Juniper-Bank-Carnival-SeaMiles-Holding-Payments-Causing-Late-Payment-385545. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Some card companies do this.

AUTHOR: Nikki - (U.S.A.)

They post the payment ontime, but they hold the money off your available balance for 7-10 days. I have a credit card that if you make a payment of $400 or more, this happens. Payments less than that are available right away.

Find out the max payment you can make to be available right away and make multiple payments.

They told me the reason they do this, but I don't want desperate people trying it and getting into more trouble so I won't explain.
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#2 Consumer Comment

Its also a Violation of the FAIR CREDIT BILLING ACT and ELECTRONIC FUNDS TRANSFER ACT

AUTHOR: Laurie - (U.S.A.)

It's illegal to do this - YOU MUST REPORT THEM -THEY WILL NOT STOP UNLESS YOU DO. They hope you do not know or ever find out about them.


File formal complaints with the Federal Trade Commission and Office of Thrift Supervision.

You can find more information on both these Acts on the Federal Trade Commission website
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