Juniper Bank / Barclay's Late-Fee Rip-Off Scam Wilmington Delaware

They should really explain things better to people.

You stated that you made your payment on March 3, based on your statement from around February 17. Since the $669+ was your balance on February 17, you didn't account for the interest accrued between February 17 & your payment March 3. Since that interest does not post until your next statement (around March 17), the guy from Juniper told you your balance was zero because his computer showed a zero balance.

On or about March 17, you should have been sent the next statement with a balance of $2.02. You may have either not received it (because of the mail) or you may have received it, but not looked at it, figuring you paid it off.

When you didn't make that $2.02 payment by the April 12 (or so) due date, you were assessed a late fee on the April 17 statement.

Keep trying to fight the charge, but if it gets too close to the May 12 (double check) due date, you may want to just pay it and be done with it. If you don't, they will assess another late fee. They mislead you into thinking your account was paid in full, however the $39 fee is worth paying to not have this follow you around. It's not worth a charge off on your credit report and they will wait a few months until the amount gets larger. Then they will keep adding the fee, every month, for years.

We all learn things the hard way, usually at a cost. Lucky for you the cost is minimal. Just remember, the next time you pay off a credit card, remember there will be interest added between the last statement date and the posted paid date. All credit card companies work this way, as do mortgage companies, other loans, etc.

They should really explain things better to people.

You stated that you made your payment on March 3, based on your statement from around February 17. Since the $669+ was your balance on February 17, you didn't account for the interest accrued between February 17 & your payment March 3. Since that interest does not post until your next statement (around March 17), the guy from Juniper told you your balance was zero because his computer showed a zero balance.

On or about March 17, you should have been sent the next statement with a balance of $2.02. You may have either not received it (because of the mail) or you may have received it, but not looked at it, figuring you paid it off.

When you didn't make that $2.02 payment by the April 12 (or so) due date, you were assessed a late fee on the April 17 statement.

Keep trying to fight the charge, but if it gets too close to the May 12 (double check) due date, you may want to just pay it and be done with it. If you don't, they will assess another late fee. They mislead you into thinking your account was paid in full, however the $39 fee is worth paying to not have this follow you around. It's not worth a charge off on your credit report and they will wait a few months until the amount gets larger. Then they will keep adding the fee, every month, for years.

We all learn things the hard way, usually at a cost. Lucky for you the cost is minimal. Just remember, the next time you pay off a credit card, remember there will be interest added between the last statement date and the posted paid date. All credit card companies work this way, as do mortgage companies, other loans, etc.

They should really explain things better to people.

You stated that you made your payment on March 3, based on your statement from around February 17. Since the $669+ was your balance on February 17, you didn't account for the interest accrued between February 17 & your payment March 3. Since that interest does not post until your next statement (around March 17), the guy from Juniper told you your balance was zero because his computer showed a zero balance.

On or about March 17, you should have been sent the next statement with a balance of $2.02. You may have either not received it (because of the mail) or you may have received it, but not looked at it, figuring you paid it off.

When you didn't make that $2.02 payment by the April 12 (or so) due date, you were assessed a late fee on the April 17 statement.

Keep trying to fight the charge, but if it gets too close to the May 12 (double check) due date, you may want to just pay it and be done with it. If you don't, they will assess another late fee. They mislead you into thinking your account was paid in full, however the $39 fee is worth paying to not have this follow you around. It's not worth a charge off on your credit report and they will wait a few months until the amount gets larger. Then they will keep adding the fee, every month, for years.

We all learn things the hard way, usually at a cost. Lucky for you the cost is minimal. Just remember, the next time you pay off a credit card, remember there will be interest added between the last statement date and the posted paid date. All credit card companies work this way, as do mortgage companies, other loans, etc.