Juniper Bank / Barclays Bank Delaware 15 DAYS to post payment then charged late FEE!! Wilmington Delaware

My payment was submitted to juniper credit card in Delaware via my bank bill pay system. payment requested by me on April 15th and Check was cut on April 16th and mailed on April 16th...My payment was not posted on the account until April 30, 2008...payment was due April 28th...

There are hundreds of complaints on the internet see RIPOFFREPORT.com You will see complaints of the same...14 and 15 days to receive and post payments. These seems to be a practice be used to charge the $39.00 late fee...many are complaining of the same thing. This is so blatant that it is scary...it is a pattern and they should be investigated...I would like my complaint to be forwarded to my congressman and further would like to see a class action suit started. Please call me with any and all questions...I will not let this rest...

Barclays is taking advantage of consumers and something needs to be done. It took 14 days to receive and process a check????? They have stipulation that check need to paid via their envelope and pay stub or there could be an additional 5 days processing time....most folks now a day pay via pay service from their banks...this is a gimmick to delay posting...I can say this because there are hundreds of complaints on the internet... Please do your best to have them stop this practice. I have filed a report with FDIC see below.
Thank you for contacting the Federal Deposit Insurance Corporation (FDIC).

Your email was received by the FDIC on May 1, 2008. The FDIC's Division of Supervision and Consumer Protection will respond to your complaint or inquiry in accordance with the following schedule:
If the FDIC does not need to contact an FDIC-supervised bank for information to respond adequately to your question or concern, you may expect to receive a response from the FDIC within 15 calendar days.

If the FDIC needs to contact an FDIC-supervised bank for information, you may expect to receive a response from the FDIC within 60 calendar days. The FDIC supervises state-chartered banks that are not members of the Federal Reserve System. Questions or concerns about a financial institution that is not supervised by the FDIC, such as a bank with the words "National" or "Federal" in its name, will be forwarded to the appropriate federal regulatory agency for response. We will also provide you with contact information for that agency.

As part of its supervisory responsibility, the FDIC assists consumers with complaints by informing them of their rights under federal consumer protection laws and by reviewing the bank's actions to assess whether the bank has complied with such laws. The FDIC's authority to act on your behalf is limited to the enforcement of federal banking laws and regulations for banks supervised by the FDIC.

The FDIC is not authorized to intervene when the matter involves a factual disagreement with the bank and no clarifying documentation is available, or if the matter is or has been the subject of litigation.

If you have submitted a complaint regarding an FDIC-supervised bank, your complaint may be forwarded to the bank for additional information. It is FDIC policy to fully review the available information after receiving the bank's response. While we conduct our review, you are free to try to resolve this matter by other means available to you. If you have additional questions or information concerning your complaint, you may contact the FDIC at the address provided below.

Federal Deposit Insurance Corporation
Division of Supervision and Consumer Protection
Consumer Response Center
2345 Grand Boulevard, Suite 100
Kansas City, MO 64108
1-877-ASK-FDIC

Thank you for bringing this matter to our attention.

RM
Union City, New Jersey
U.S.A.