• Report: #716696

Complaint Review: Barclay's Bank / Juniper

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  • Submitted: Tue, April 12, 2011
  • Updated: Tue, April 12, 2011

  • Reported By: Dan — North Carolina United States of America
Barclay's Bank / Juniper
Kannapolis, North Carolina United States of America

Barclay's Bank / Juniper Barclay's Bank MasterCard Outrageous Interest, Unauthorized Deductions Kannapolis, North Carolina

*Consumer Comment: More to this?

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2/21/2011: Called and asked about an unauthorized deduction from my checking account via an auto-pay that I had rescinded. Explained that I had specifically told MC to stop ALL automatic payments for this account over a month ago (in January). Also explained that I had repeatedly asked for a rate reduction but to no avail. Rep said they would have a supervisor listen to the call and contact me in 24-48 hours.
2/25/2011: Supervisor never called back. Called again - Don (ID#TPBVQM) said he would create case for unauthorized payment. Told him that his company had already lied to me - he said would make SURE he followed-through and that someone should be contacting me within 10 business days. Never received a call back.
4/12/2011: Called and went through the whole process again. Rep said the case from above had been closed (without any input or contact from me) and that they could not reopen it. Rep offered a lower rate (9.9%) on a one-year basis on the condition I pay $385 to start. After one year the rate would go back to 29.9%. Asked to speak to Customer Service and was told that I would only be rerouted back to Collections until my account was brought current. Was told that all calls on my part would be routed to Collections regardless of what Customer Service number I called.
Called again: paid current due as that was the ONLY way to speak to someone other than Collections. Transferred to Customer Service to see about getting the lower rate for the remainder of the life of the account - was told that was not possible. Asked about the unauthorized February auto-payment and was told there was nothing they could do. Was also told that the case was closed because it "wasn't a bank error". When asked to speak to a Supervisor was told that the Supervisor would tell me exactly the same thing. Although the recording will clearly show me stating "stop all automatic payments" - and the bank did NOT - this was still "not a bank error".   ???

This report was posted on Ripoff Report on 04/12/2011 10:32 AM and is a permanent record located here: http://www.ripoffreport.com/r/Barclays-Bank-Juniper/Kannapolis-North-Carolina-28081/Barclays-Bank-Juniper-Barclays-Bank-MasterCard-Outrageous-Interest-Unauthorized-Deduc-716696. 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

More to this?

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

There is something you are not saying in your report.

A big question is that why would you be in collections if they did an Auto-Pay? 

If they did the Auto-Pay you would have had your payment covered to be current.  If you didn't know they Auto-Pay wasn't cancelled then the worst would have been a "double-payment".  But again that would keep you current not put you into collections.  In fact it would actually pay your account down a little more.

The only way I can see this is a problem is if you intentionally were not going to pay them..thus end up in collections anyways. You didn't mention anything about the payments after this auto-pay payments, so it seems that this is more of a possibility.

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