Problem with Juniper Bank Credit Card Customer Service
Guest: tmjhope
Post subject: Problem with Juniper Bank Credit Card Customer Service
Posted: Sat Aug 26, 2006 1:06 pm
How's this for customer service.
I paid off my Juniper Bank account on 7/15. I waited until my account showed a $0.00 balance before canceling the card (about three days later). I verified online and over the phone that my balance was $0. So I get a statement emailed to me yesterday that has a balance of $83.06 on it. Upon investigating, Juniper charged me an overlimit fee on 7/25 of $38 plus interest on the fee (my interest rate was high) then charged me a late fee on 8/21 of $38 (again, charged interested).
I called customer service who said the overlimit fee was suppose to appear on my account on 7/11/06. Interestingly enough the statement shows 7/25/06 as the date of the transaction with a description "Overlmit Fee 07/11/06". I stated it's impossible to CHARGE the fee 10 days after the account was paid in full.
So the rep says she can reverse the overlimit fee, but not the late fee and transfers me to her supervisor. The supervisor said he would not reverse either fee.
When I said that I was already told the overlmit fee would be reveresed and as the late fee was only charged because of the overlmite fee, both should be reveresed and my account would be brought to $0.
He was very angry and said, "She said that?!" and put me on hold. When he back on the phone he said he confirmed that she told me the overlmit fee would be reversed and that he would take my balance down to $0. He said I would get another statement showing a $0 balance. He was clearly not happy about it.
The thing is, if she hadn't fessed up to waiving the fee, I would have been on the hook for the $83.06 - even though as of 7/17/06 my balance was $0.
What ever happened to customer service and doing the right thing? I shouldn't have had to get argumentative to get this straightened out.
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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sat Aug 26, 2006 4:27 pm
I guess it was a good thing I was DENIED for the "PRE-APPROVED" USAIR CARD
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Guest: Board Monitor
Board Monitor/ Administrator
Posted: Sat Aug 26, 2006 6:24 pm
Lol Mouse!
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Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Sun Aug 27, 2006 8:46 am
yep...mouse...looks like the worst cards deny you...
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Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Aug 27, 2006 1:00 pm
maddybeagle wrote:
yep...mouse...looks like the worst cards deny you...
Something is really WRONG when people with no so perfect credit gets something I CAN'T
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Problem with Juniper Bank Credit Card Customer Service
Posted: Sat Aug 26, 2006 1:06 pm
How's this for customer service.
I paid off my Juniper Bank account on 7/15. I waited until my account showed a $0.00 balance before canceling the card (about three days later). I verified online and over the phone that my balance was $0. So I get a statement emailed to me yesterday that has a balance of $83.06 on it. Upon investigating, Juniper charged me an overlimit fee on 7/25 of $38 plus interest on the fee (my interest rate was high) then charged me a late fee on 8/21 of $38 (again, charged interested).
I called customer service who said the overlimit fee was suppose to appear on my account on 7/11/06. Interestingly enough the statement shows 7/25/06 as the date of the transaction with a description "Overlmit Fee 07/11/06". I stated it's impossible to CHARGE the fee 10 days after the account was paid in full.
So the rep says she can reverse the overlimit fee, but not the late fee and transfers me to her supervisor. The supervisor said he would not reverse either fee.
When I said that I was already told the overlmit fee would be reveresed and as the late fee was only charged because of the overlmite fee, both should be reveresed and my account would be brought to $0.
He was very angry and said, "She said that?!" and put me on hold. When he back on the phone he said he confirmed that she told me the overlmit fee would be reversed and that he would take my balance down to $0. He said I would get another statement showing a $0 balance. He was clearly not happy about it.
The thing is, if she hadn't fessed up to waiving the fee, I would have been on the hook for the $83.06 - even though as of 7/17/06 my balance was $0.
What ever happened to customer service and doing the right thing? I shouldn't have had to get argumentative to get this straightened out.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sat Aug 26, 2006 4:27 pm
I guess it was a good thing I was DENIED for the "PRE-APPROVED" USAIR CARD
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: Board Monitor
Board Monitor/ Administrator
Posted: Sat Aug 26, 2006 6:24 pm
Lol Mouse!
_________________
Regards,
Curtis Arnold
Board Monitor
http://www.CardRatings.com
20K+ Credit Card Reviews
Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: maddybeagle
Credit Expert (100+ Posts)
Posted: Sun Aug 27, 2006 8:46 am
yep...mouse...looks like the worst cards deny you...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse
SENIOR MEMBER (Member for 2 yrs.+)
Posted: Sun Aug 27, 2006 1:00 pm
maddybeagle wrote:
yep...mouse...looks like the worst cards deny you...
Something is really WRONG when people with no so perfect credit gets something I CAN'T
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 6:49 PM
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