I have banked with US Bank since 1996. I use MS Money to pay all my bills.
I made a payment via US Bank to Juniper to be sent on May 13th to reach Juniper by May 16th, the due date. According to Juniper, they did not get the payment till the 21st and they didn't post it till May 22nd.
What the heck are they talking about??? I had this check mailed nearly a week before it was due. What was it doing all that time??? Floating from desk to desk? And because of that, Juniper raised my interest rate from 8.99% to 24.24%!!!
This is the biggest rip-off I've ever seen by a so-called "Financial Institution"! I have paid significantly more than my minimum payment due since I started the account with Juniper.
I didn't realize what was going on until about the 19th of May. I called Juniper customer service and they said they hadn't received my check for $100, yet. I didn't believe it then and I don't believe it now.
I told the rep that I would give it one more day to clear. If it didn't clear, I would make a payment on the Juniper website. I did that, and even included the extra $39 for the "late fee", and Juniper posted that one correctly.
Two days later Juniper posted my original $100 payment that left US Bank on the 13th. Do they expect me to believe that it took 13 days to get to their "institution"?
I want my interest rate lowered to the original 8.99%. I did nothing wrong. I followed all the rules that Juniper set out. I even read the fine print!
What I didn't do, this time (and I really should have), was check out Juniper's reputation on www.RipOffReport.com. There are posts about Juniper since Feb. of 2002! I can't believe Juniper's still in business!
Las Vegas, Nevada