Barclays Bank
Reviews and Complaints

dear sir, this has to do with a lottery on Facebook and I got conned out of money by a man named jess McIntyre, but I got these pictures from him. one is a Barclays winning lottery ticket and another pic. plus I have 1 more question, who is JOHN MCFARLANE, he says hes the chairman of BARCLAYS BANK PLC LONDON. PHONE [protected] E-MAIL [protected]@cheerful.com

I recently had my wallet stolen in downtown LA because of this I had to order new cards and get new identification. My issues become a lot larger after trying to order a new card from Barclay card because their security system is not designed from the perspective from the user. The kind of research that goes into creating systems that are both able to retain security and trust paired with accessibility for the clients. In the case of my last security question, the questions were so obscure that I could not answer them properly. They asked me about cars that I had between 7 and 12 years ago. It is true that I could remember the model and make of the car but I could not recall the year of the cars. I have had many cheap cars in my day and I have had to memorize many things in its place going through college as well since.

When I explained that I felt the questions were too hard for most people the company said the information asked about was public records connected to my social security card. When I did a quick google search there was only one source that provided all the details I need to properly identify my car make, model and year number. It cost $25. So, if I was someone being fraudulent I could just pay to have this information given to me after all, so it's not exactly public records and accessible, while it's not exactly secure as I would hope.

There was however a silver lining since a supervisor in the security department of Barclay Card asked me several questions. All of these questions I knew, however right before she could do the final verify the phone mysteriously disconnected. I was very confused and wondered if it had been done intentionally to get rid of me.

I called back and talked to a lady who when I told her about my experience she was highly suspicious. I told her I cannot remember a car I had fifteen years about talking generally, and she asked me how old I was 15 years ago. I said 14 and that I was 29. She and her supervisor Dan (operator code risdwi) were not able to act empathetically like the previous supervisor. They in turn provided inconsistent business. This meant I had to send in documents that were lost from the wallet was stolen. There was zero empathy or working with me on these employees because the vanilla "I understand your concerns, " so I made a suggestion for them to search out apple customer service that is equipped with sophisticated communication and empathy skills. They were considered in holding up the rules with a strictness that was not in part considerate with my feelings and my suggestions to have me go through a second verification as the previous supervisor had offered. The supervisor Dan and all but one of these employees were condescending, unhelpful, and did not treated me more like an inconvenience than a customer.

When I asked to make a complaint and how to send in the documents, they suggested I send them in by mail. I told them this was a very antiquated system, even my local credit union back in Illinois is able to digitally upload documents, which makes sense because they are only copies anyways. This provides ease and technologically savvy options for customers.

The whole experience represents the very problem with banks, that they are run by elites that are out of touch with the everyday person. They have out-dated document verification, alienating policies that are not designed with the customer in mind, and have programmed obscure questions based on difficult to retrieve information from the vague space of "public records". This is why I will be leaving this bank as soon as I pay off the card. This will be more of an incentive to pay it off sooner for my own good. I hope others stand up to companies who are more concerned with making money than making the customer happy.

I closed my Barclays account since they want your information and share it everywhere . BARCLAYS is a SECURITY RISK TO USERS! I then received an email months later notifying me that I have a balance? When I try to call they will not help you unless you still have the card number from months ago or GIVE ALL OF YOUR PERSONAL INFORMATION to some random company in India. How dare they share my information all over the World without my permission. After giving my info, I lose the call twice. Now I have to call again!?!?! Apparently once they get your info, they hang up and start to see what they can open in you name. How can you resolve an issue with a HORRIBLE COMPANY? BARCLAY CREDIT CARDS ARE A SCAM!

So I close my barclay account since they want to ask me all of personal info in the most insecure, they are trying to lose your information! After I close the account, I get an email that here is a balance. I call and they cannot find it since I do not remember the card number from months ago. Then they will not pull up the account without it. If you do not have it, they want your ssn#, birthdate, address and so forth. Are you kidding me, you share my info with some india support desk?!?!?!?!? After calling twice they just hang up. They are the worst and are a security risk< not to mention I cannot resolve this, so I guess ue them and waste their time just like they waste mine

I moved from World pay to Barclaycard Merchant Services to save money and my monthly bill has more than doubled! I am putting through the same amount of payments but Barclaycard charge 2 different rates for Visa Debit Cards, Personal cards at 13p per transaction and Company cards at a massive 1.8%. Worldpay just charge 1 rates for all Visa debit cards of 0.262%, so on my worldpay statement there is no way of knowing whether they are personal or company cards and actually when you put them through it doesn't differenciate. I am now paying around £300 per month more than I was! Please beware and don't switch to Barclaycard...

veterans & disabled veterans beware barclays credit card they dont care about us and they will not help you dealing with scam company that take your money so vets lets not use there card anymore till they show that us the vets come before scam website lets come together and tell them we will not take it anymore stop using there card pls share it and pass it on thks

Barclay's LL Bean Visa is a scam. One of their scams is issuing customers new credit cards, with new numbers, and declining to transfer merchandise refunds from the old card to the new card. I have never once had a fraudulent charge on any credit card in 25 years - except the LL Bean Barclay's Visa. They constantly reissue a new card, with a new card number, due to 'fraud, ' they say. This means that LL Bean refunds are not provided to the customer, because they've 'closed' the old card. Meanwhile, LL Bean tells me they 'provided the refund' (to the old card) and feels they are done with the situation. But I don't get the refund, because it is never transferred from one LL Bean Visa Barclay's 'closed' card to the new card, even though it is the identical account. After 2 months of phone calls and emails back and forth w/LL Bean, I finally received a credit owed. And now, the same thing is happening all over again with a different purchase. Once it is straightened out, I will close the LL Bean Barclay's Visa once and for all. I also am going to shop as little as possible at LL Bean in the future. I have loved LL Bean and hate to say goodbye to them. But they continue to do business with Barclay's, an utterly corrupt company (just google search the name) that Bean customers have been complaining about for years. Bean can pretend to be the good guy and customer oriented, but they could put a stop to Barclay's nonsense overnight. But they really don't care. Bean is making money. That's the bottom line. Unseemly.

Barclay Card is unfairly charging a high interest rate to customers with good credit. Their credit evaluations and practices are unfair and predatory. This card that gives US Air miles is not worth the fraudulently high interest rate at 25%. I could go to a lone shark for that rate.

I closed my credit card with barclay because I was consolidating my credit and they had a high APR 19.5%, I even tried to talk them to lower the APR but that was a fail. So after paying off my debt, I used the app and after making the payment in full the first time I did not get a confirmation number or email so of course I try to do it again just to make sure it went through and I finally got a confirmation of my payment. Fast forward two business days later, I now had two transactions of $1, 089 taken out of my bank account. After I noticed it I call the number on the back of the card and explain to them there was a mistake and now my closed account is at -$1, 089 meaning they owe me obviously. I ask the customer service lady to reverse the transaction because it's Friday and I'm going on Vacation on Tuesday. No, they don't have the capability of doing that and they are going to have to send me a check which will take 7-10 business days. Meaning I'm not going to have $1, 089 available. After spending sometime furious and upset speaking with the supervisor and everyone else I come to terms with it and say ok ill deal with it when I get back from vacation. Fast forward again 7 days later, I left on Tuesday for vacation and came back on Tuesday to find NO check in my mail. After calling yet again the lady tells me it has been processed on March 28th Friday, then finally processed on April 3rd, then from April 3rd it takes 5-7 business days which means I won't get it for another God Damn Few business days. Don't ever NEVER will do business with Barclay Cards or Banks again. Lost a customer and all my family and friends!

Worst credit card ever. Barclay's has no concept of customer service.
I believe I was discriminated against because I asked a question. They retaliated by blocking my account. They treated me like a criminal. Blocked my account numerous times. Faxed them personal documents including my driver's license, which they cannot find. I feel real secure in them having my info. They send letters to wrong address, not on my application. Asked for my wife's name and her mother's maiden name in clear violation of the fair credit act, she is not on my account. To unblock the account I was instructed I had to go to my bank pnc and ask for a cash advance, even though I told them I do not want a
Cash advance. I was so humiliated going to my bank where they know me and ask for a cash advance on a credit card that is blocked. Words cannot express the frustration and emotional trauma experienced by barclay's brand of customer service..

Dear Sir/Mme,

I am just trying to express my great sorrow about the lack of confidence and neglecting feelings i passed in while communicating with your respectful team working in Egypt especially Credit card team (Sales, activation, telesales and Customer service teams)

I am really annoyed, astonished and regretting that i have issued your Golden Visa card through one of telesales team who i couldn't remember his name especially when i compared this with my own experience working in Banking field for more over than 6 years in Egypt as a call center Rep. in (BOA bank, ABC bank and AUB bank) then as a call center team leader and Supervisor in (ABC bank then AUB bank)
All of those banks were really doing a great job in terms of Customer service however they might not be considered a worldwide bank like your respectful organization
I got also astonished when i compared the level of Customer focus and importance with my current job as High value Customers Supervisor in one of telecom companies here in Egypt or even when i compared same level with your Competitor bank CIB who i am already now a Customer in since 7/2009 and already have dealt with them in all retail products from debit accounts till credit cards, personal loans and auto loans and really i don't remember if i faced any troubles with them
My complaint begins since the 1st day i communicated with your branch in Egypt by a telesales call from someone from telesales team i can't remember his name for sure nor the date he called me nor the number he called from and below i can tell you why
The call was targeting me to issue a credit card might be from 2 or 3 months before the card issue which issued on 6/13
The thing let me though about Barclay's Golden card was the offer

Free issuing for the 1st year
Free yearly fees for the 1st year
the most imp part was the installment on number of months free of interest and the only condition he stated about this is to call the call center 1st
we tried to manage an appointment many times to pick up my documents but in vein and frankly speaking that was because of mine due to my working hours and sometimes due to our political conditions that period

Finally he came to me and got the papers and promised that issuing Cycle will not last more than 7 Official days which doesn't happen and issuing took almost one month!

During this month and after passing about 2 weeks and getting a lot of other telesales calls from other agents targeting the same target of credit card even till now and which i was very patient with all of them as i knew that in some telesales operations especially here in Egypt there is nothing to do with those interrupting calls

Any way when the delay exceeded the 2 weeks i called the call center as i knew already that investigation needed have done since a week ago with no feedback

i tried to mention that i was having some circumstances and i need the card for the installment option but that was in vein with the rep who even refused to send an email to the card center asking about my case that's why i asked to be contacted by Supervisor what was also refused by the agent at 1st till i insist to be contacted on spot and left on hold and she informed me that the team leaders will call me within 1 hour and finally i told her but please let him do

i have been contacted already and the team leader finally advised that he will escalate the case to the card center

Finally some one from the card center called me a day or 2 days later to confirm with me some data which was meant for me that the card is still not issued !

i asked her about this and she told me that this will take another one week and at the last of the call she was confirming with me the price of the issuing fees which i was educated before that it was a free issuing and activation fees card for the 1st year

i directly asked her to stop the card issuing and to cancel it and she really don't mind

i called the call center again same day to complaint from the sales, agent refused to register my complaint or transferring me to supervisor and also don't mind from my request of card cancellation

After some days i've got a call from sales supervisor or retention supervisor asking me why i did decide to cancel the card and that the delay was because they want to issue me a free card...etc

i was on hospital with my mother and it was our turn i apologized for him and he promised to call back after one hour, he didn't do and card issued as a free issuance card

Delivery company called me to give me the card and after also 3 or 4 trials and appointments but the delay reason that time was from them they finally gave me my card which and after all of this i was still happy that i got it even without the pin code which I received it after may be 3 or 4 weeks after a very long loop

i was happy as i was expecting that i might need it after a while for the feature of the installment interest free i knew from your rep and that' s why i didn't activate the card and let it with me till i need to use it

After some time someone from activation called me to activate the card and resend me my pin and after i confirmed with her that this won't put any charges on card i approve the activation and today i was astonished when i got a message of mini statement that i have charged with an amount that must be paid before 6th Oct and got astonished again when i call the call center and knew that it's the card fees which put on the card directly after activation

Also this is not my target to complaint i was already decided to complaint from another issue since a while but unfortunately i was having no time but what i have knew today push me to do

the most important complaint for me was when i called your respectful call center at 1st week or may be 2 or 3 days later this month when i was doing my car service in the official service center, i was travelling the following day and was seeking to pay by the installment feature i knew from your sales rep

agent told me that there is no offer of installment without interest and the only offer is with only 3 months interest basis and also i am not eligible for it

i asked her to transfer me to the supervisor at once

i has been already transferred to someone addressed him self that he named Mohamed Mahdi the shift leader
who asked me about the sales name and once i told him that i don't know his name he told me to send an email to an email named invoice and that nothing will be done because i can't remember the sales name and that he can't do any thing for me neither to raise any escalation

i really was shocked by this reply, i know very well that all calls are recorded and even if it wasn't, there is for sure something could be done from a supervisor or a shift leader in a firm like Barclay's bank for an angry customer passed by all of this rather than this metal tone i am always receiving when i called your call center in each time

i urge your fast action and response to this complaint for nothing but saving your image

I’ve already decided to buy the full amount and close the card and issue another one from my bank CIB or fetching any other installment card but i am really astonished and disappointed from the image i got about Barclays

On a separate note i want to drag your attention that i told this Guy that I’ll complaint on worldwide Barclay’s website and he did nothing

Waiting to hear from you

BR
Khaled Nahtawy
High Value consumer Supervisor
Etisalat Misr
[protected]

From: khalid ali
To: "complaint.[protected]@financial-ombudsman.org.uk"
Sent: Monday, September 23, 2013 5:20 PM
Subject: Barclays Egypt Complaint

Dear Sir/Mme,

I am just trying to express my great sorrow about the lack of confidence and neglecting feelings i passed in while communicating with your respectful team working in Egypt especially Credit card team (Sales, activation, telesales and Customer service teams)

I am really annoyed, astonished and regretting that i have issued your Golden Visa card through one of telesales team who i couldn't remember his name especially when i compared this with my own experience working in Banking field for more over than 6 years in Egypt as a call center Rep. in (BOA bank, ABC bank and AUB bank) then as a call center team leader and Supervisor in (ABC bank then AUB bank)
All of those banks were really doing a great job in terms of Customer service however they might not be considered a worldwide bank like your respectful organization
I got also astonished when i compared the level of Customer focus and importance with my current job as High value Customers Supervisor in one of telecom companies here in Egypt or even when i compared same level with your Competitor bank CIB who i am already now a Customer in since 7/2009 and already have dealt with them in all retail products from debit accounts till credit cards, personal loans and auto loans and really i don't remember if i faced any troubles with them
My complaint begins since the 1st day i communicated with your branch in Egypt by a telesales call from someone from telesales team i can't remember his name for sure nor the date he called me nor the number he called from and below i can tell you why
The call was targeting me to issue a credit card might be from 2 or 3 months before the card issue which issued on 6/13
The thing let me though about Barclay's Golden card was the offer

Free issuing for the 1st year
Free yearly fees for the 1st year
the most imp part was the installment on number of months free of interest and the only condition he stated about this is to call the call center 1st
we tried to manage an appointment many times to pick up my documents but in vein and frankly speaking that was because of mine due to my working hours and sometimes due to our political conditions that period

Finally he came to me and got the papers and promised that issuing Cycle will not last more than 7 Official days which doesn't happen and issuing took almost one month!

During this month and after passing about 2 weeks and getting a lot of other telesales calls from other agents targeting the same target of credit card even till now and which i was very patient with all of them as i knew that in some telesales operations especially here in Egypt there is nothing to do with those interrupting calls

Any way when the delay exceeded the 2 weeks i called the call center as i knew already that investigation needed have done since a week ago with no feedback

i tried to mention that i was having some circumstances and i need the card for the installment option but that was in vein with the rep who even refused to send an email to the card center asking about my case that's why i asked to be contacted by Supervisor what was also refused by the agent at 1st till i insist to be contacted on spot and left on hold and she informed me that the team leaders will call me within 1 hour and finally i told her but please let him do

i have been contacted already and the team leader finally advised that he will escalate the case to the card center

Finally some one from the card center called me a day or 2 days later to confirm with me some data which was meant for me that the card is still not issued !

i asked her about this and she told me that this will take another one week and at the last of the call she was confirming with me the price of the issuing fees which i was educated before that it was a free issuing and activation fees card for the 1st year

i directly asked her to stop the card issuing and to cancel it and she really don't mind

i called the call center again same day to complaint from the sales, agent refused to register my complaint or transferring me to supervisor and also don't mind from my request of card cancellation

After some days i've got a call from sales supervisor or retention supervisor asking me why i did decide to cancel the card and that the delay was because they want to issue me a free card...etc

i was on hospital with my mother and it was our turn i apologized for him and he promised to call back after one hour, he didn't do and card issued as a free issuance card

Delivery company called me to give me the card and after also 3 or 4 trials and appointments but the delay reason that time was from them they finally gave me my card which and after all of this i was still happy that i got it even without the pin code which I received it after may be 3 or 4 weeks after a very long loop

i was happy as i was expecting that i might need it after a while for the feature of the installment interest free i knew from your rep and that' s why i didn't activate the card and let it with me till i need to use it

After some time someone from activation called me to activate the card and resend me my pin and after i confirmed with her that this won't put any charges on card i approve the activation and today i was astonished when i got a message of mini statement that i have charged with an amount that must be paid before 6th Oct and got astonished again when i call the call center and knew that it's the card fees which put on the card directly after activation

Also this is not my target to complaint i was already decided to complaint from another issue since a while but unfortunately i was having no time but what i have knew today push me to do

the most important complaint for me was when i called your respectful call center at 1st week or may be 2 or 3 days later this month when i was doing my car service in the official service center, i was travelling the following day and was seeking to pay by the installment feature i knew from your sales rep

agent told me that there is no offer of installment without interest and the only offer is with only 3 months interest basis and also i am not eligible for it

i asked her to transfer me to the supervisor at once

i has been already transferred to someone addressed him self that he named Mohamed Mahdi the shift leader
who asked me about the sales name and once i told him that i don't know his name he told me to send an email to an email named invoice and that nothing will be done because i can't remember the sales name and that he can't do any thing for me neither to raise any escalation

i really was shocked by this reply, i know very well that all calls are recorded and even if it wasn't, there is for sure something could be done from a supervisor or a shift leader in a firm like Barclay's bank for an angry customer passed by all of this rather than this metal tone i am always receiving when i called your call center in each time

i urge your fast action and response to this complaint for nothing but saving your image

I’ve already decided to buy the full amount and close the card and issue another one from my bank CIB or fetching any other installment card but i am really astonished and disappointed from the image i got about Barclays

On a separate note i want to drag your attention that i told this Guy that I’ll complaint on worldwide Barclay’s website and he did nothing

Waiting to hear from you

BR
Khaled Nahtawy
High Value consumer Supervisor
Etisalat Misr
[protected]

Please i would want to make this very public to all users, if you are contacted by anyone or any reason on behalf of barlays bank, please do not respond to such emails, report such emails to : Carole Machell Managing Director, Head of International Business
Barclays Bank PLC, Corporate Headquarters, 1 Churchill Place London, Greater London E14 5HP
United Kingdom
Telephone: +44 [protected], +44 [protected]
LAND-LINE +[protected]
Fax: +44-[protected]
Email: barlaysplc.[protected]@accountant.com

I had a Barclays Bank credit card in 2007 and 2008. I have not used this card since 2008. My husband had 7 heart attacks and bi-pass surgery and we almost lost everything. We should have gone bankrupt. I have settled all my debt except Barclays Bank. All my creditors settled for 20% of the debt owed and we very understanding about the medical problems, but not Barclays Bank.
Barclays Bank will not allow me to settle this debt from 2008 for 20%.

Barclay's Visa card refused to deal with an unauthorized charge on my account from a taxi company. I paid for a taxi in cash because the cab driver claimed that my credit card did not go through. Then, I received a second charge on my Visa card for the cab fee, $135. Rather than take care of this for me as their customer, Visa placed the burden of proof on me and were unwilling to help me without a receipt for my cash transaction.

I've been calling this card to have them close my account. They would put me on hold for a long time and I would get tired of waiting for like 5 minutes while they read their notes or study what to do next! Because I hang-up on them (both on purpose and inadvertently this last time) this last agent that I talked to (Windy or Wendy) decided to block my card. She then put on the notes that I had to go to a bank, go out of my way, bring an Id and make a cash advance. It's just a waste of my time for just closing this account! I called their complaint department but put me on hold for like 20 minutes! I was getting frustrated for me to really wait that long! Screw this card! I will breath a lot easier once this account is closed! Even closing is a pain! Stupid agents!

I just found out how Barclays made unethical money! We are a small business owner, and we have two accounts, one is called Current Account, and the other is Deposit Account. Current Account is for all the daily activities, like payments and receipts, while Deposit Account is for your cash to earn some interest ( like there is any nowadays). Our business is going through refurbishments, so we are replenish the accounts by transferring funds from other overseas account. We made sure we had enough funds there, but later, we realized there were still declined payments, and the bank charged us 35 pounds for each declined payments! There were total 9 such charges in September alone, so total 315 pounds in one month! Later we understood, there was an auto-transfer put in place between the two account, so at the end of each day, the bank auto-transferred all the surplus funds in the Current Account to the Deposit Account, no wonder the next day when the company had outgoing payments, it was declined! After I found out this mechanics, I immediately told the relationship manager to cancel this auto-transfer (we were told, we were charged monthly fee for this auto-transfer service!). I was very angry as I told him this is a trap for Barclays to bounce payments, and make unethical money. Again, our relationship manager offered me 100 pounds of "good will gesture" and told me although he does not want to sound "dismissive", he thinks nothing positive will come out of this! Unbelievable employee. He told me his is a director of this bank (what a shame), and I am not, so I am not in a position to talk to him.

I went to the petrol station last night and tried to pay for my fuel with my Barclaycard. It was declined twice.

The cashier called a number that the till display was showing and after about half an hour of standing there waiting for somebody to come online, I had to answer a series of security questions. Great.

Never happened before, but if it's just a random security thing, I don't mind.

Fast forward to this morning. I go to check my account online to see whether my rent has been paid, but I find my account locked and have to ring another number.

After another lifetime on hold, I have to answer the same security questions and basically tell this bloke on the other end of the phone all my recent transactions and standing orders. How invasive is this? Also, because of the block, my landlord didn't get the rent so now I've got to grovel to him and explain that I am good for it - Barclays cocked up.

This is disgusting and I'm really angry with Barclays...but what I can I do? I'm just one person against this massive machine.

I filed for a Barclays Bank credit line to purchase an Apple computer. I have all the credit cards I need . but I wanted 12-18 months no interest on a Barclays credit line. I have American Express gold Car, Discover card, Bank of America credit card, Capital one credit card, Best buy line of credit $1800. These ### refused to give me a line of credit for some ### system that they use to qualify clients. They have damaged my credit profile. with false information. I have a score of over 700. These stupid ### consider this not sufficient.They also lied about having to much debt vs. credit. which is total ###. I intent to make a formal complaint to Florida Attorney General Office. For discrimination against self employed single women. All the reasons they have for refusing me credit are lies. If you are a woman DO NOT USE BARCLAYS BANK OR CREDIT. THEY ;DISCRIMINATE AGAINIST WORKING MIDDLE CLASS WOMEN AND SELF EMPLOYED SINGLE WOMEN.

I paid off my account on 1/13/12 and four business days later, I noted that Barclay Bank/Juniper have not yet closed my account. I called them three separate times to ask that they close the account and finally on 1/23/12 (twelve calender days after they were paid) they sent a letter with a total balance due the difference between the amount I sent them and the payoff letter is interest and fees which they have added unto the account. On 1/252012 ( eight business days later my payoff check was cashed).

During the same period when my account was supposed to be off, they charged me interest and fees. Having realized their zealousness, they reserved the interest fees, but still charged me for the fees. However, both the fees and interest are derived from the total amount owed according to their statement. I paid the fee as soon as I received their statement in April, but they claimed that the fees was paid late and therefore, I owe them the fees plus late payment.

I spoke with a supervisor on 5/1/2012 and the lady having put me through repetitions and trying to me understand that they were doing me a favor, offer to made a deal to pay the late fees because according to her, the bank has already helped me by waving the interest fees on an account with zero balance and more importantly one that should have been closed on 1/13/2012.

I paid off my account on 1/13/12 and four business days later, I noted that they have not yet closed my account. I called them three separate times to ask that they close the account and finally on 1/23/12 (twelve calendar days after they were paid) they sent a letter with a total balance due the difference between the amount I sent them and the payoff letter is interest and fees which they have added unto the account. On 1/252012 (eight business days my payoff check was cashed).

During the same period when my account was supposed to be paid off, they charged me interest and fees. Having realized their over zealousness, they reserved the interest fees, but still charged me for the fees. However, both the fees and interest are derived from the total amount owed according to their statement. I paid the fee as soon as I received their statement in April, but they claimed that the fee was paid late and therefore, I owe them the fees plus late payment.

I spoke with a supervisor on 5/1/2012 and the lady having put me through repetitions and trying to make me understand that they were doing me a favor, offer to made a deal with me to pay the late fees because according to her, the bank has already helped me by waving the interest fees on an account with zero balance and more importantly one that should have been closed on 1/13/2012 or when I called them on 1/17/2012, 1/20/2012 and 1/24/2012

My take on this, is that Barclay Bank/Juniper engaged in consumer ripoff and scam in order to get more money from customers whose accounts are supposed to be closed. I am sending this matter to my state attorney general's office for action.

When I closed my account with them, I also closed two other account, surprise surprise, the two other credit cards closed my accounts and I have not had any problems except for Barclay Bank/Juniper. When I brought this to the attention of the lady I spoke with, she tried waving that away as different from how Barclay Bank/Juniper does business.

I refused to be shafted by Barclay Bank/Juniper I have paid them what I owe them and refused to give them any more of my money. Documents will be made available upon inquiry to verify facts related to this matter. Thank you for reading.