Juniper, Barclays Bank, Barclaycard US, Barclaycard International, delays posting pmts in order to charge late pmts;it also uses Those Late Fees To Justify Increasing Consumers Interest Rates Wilmington Delaware

I got hit like so many others with the unethical activities of Juniper Bank. I started researching 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 executive 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; 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
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, why the disconnect between the Wilmington executive office and those in charge of the fraudulent activity?

I know Barclays is in serious competition with the other 4 top credit card companies in total revenues, so maybe this is their way of generating more revenues (which translates into bumping up their standing 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 to know about.

The young man (I did get his name, by the way) 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 such late fees is bad enough, but having these fraudulent late pmts reported to the credit bureau has gotten my ire up more than I can tell you.

Anyway, I explained to him about attempting 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 had already done that, but didn't see a need to tell him that.)

Finally, just as I was feeling 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 report. He didn't realize I was still on the phone. I said, hello,and he said Barclays 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 will repeat the above info for you:
In Delaware:
Barclaycard US
100 S. West Street, Wilmington, Delaware 19801
Tel: (302) 255 8000
Richard Vague Chief Executive
James Stewart President

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

If you want 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

JuniperPO'd
Atlanta, Georgia
U.S.A.

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