Barclays Credit Card Complaint

Barclays Credit card department,

Billing disputes Texas

I began contacting Barclay/Juniper for an account I had in -/-/-. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In -/-/-, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the


attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over $1200.00 a month, a loss of roughly $72000.00 over the next five years. My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to - and a similar letter and spreadsheet was provided showing she did not owe the debt. - immediately relinquished her from the liability and removed the debt from the credit reporting agencies.