FIA Card Services - Why are debtors complaining?

I had problems with FIA Card Services and I did not owe them money, and did not even know who they were. When I opened a checking account at Bank of America, I also signed up for their VISA card. From that point on, I received calls on my home phone that I would classify as harassment.

I received 2-3 calls per week for several months. On none of the calls would they leave a message on my answering machine. On three calls I was home and answered the call, and was hung on without anyone speaking to me.

I also complained online to Bank of America customer support, but the calls continued even after promises to stop them. At that point I took my emailed compliant and started faxing it to the local branch where I opened my account. Since that day
I have received zero calls from FIA Card Services.

I was told by the representative, that my 3 accounts which were behind were eligible for a 5 year interest only payment plan. I agreed to the plan, they took the money out of my account a month later and directly against what they said, my accounts were charged late charges and finance charges.

If you think that 29.99% is high, this bank has a top end of 51% finance charge. Look out! Steer clear! They go by many names but all work out of the address 655 Paper Mill Road, Newark Delaware 19711.

my credit card account was closed without notice, no letter
my credit is perfect, I owed nothing on the account I had for many years.
When I called to use my credit, I was told it was closed, I asked to speak to a manager and was told there was no manager I could speak to and was told to write a letter.
When I asked for the address I was told they don't know the address.
What gives?
How lame is that?

I know I'm biased...I have debt...FIA makes up for my mistakes with their relentlessly impersonal services, letters, website, and contradictory--distant--unreliable customer service agents...
This company has great power, is connected to numerous banking agencies, as mine was with amsouth, now regions, and not bank of america...whatever...they obviously have an agenda to manipulate, frustrate, and be much too simple on the surface, while being ridiculously complex underneath. I signed up, I used somewhat carelessly, I try to uphold responsibility. I don't use that card anymore, ever.
This was all well before reading review after negative review of this credit card company, FIA "Card Services", national association...oh, really...Bug Off!

I requested copy of my credit report. It showed FIA has been checking my credit and I don't know who they are. How can this info be available to a telemarketing company for credit cards without my permission? If there isn't a law, there sure ought to be.

We are not allowed to have personal calls at my job. They called an was told this just yesterday. Well FIA turned right around and told my co. they was from wachovia and was calling in regard to fraud on my account. Yes we are behind and unable to pay but to tell an out and out lie........REALLY......

They raised our rate from 9.9 to 26.99. Try paying 7k on that that triples payment. They won't do anything. I will be contacting BBB about them and their fraudulent practices....They are the WORST CREDIT CARD CO. to deal with.C/s dept. is the worst! most dont speak English..Most are inept and do not have a clue. Most seem like they couldn't even get past high school!

OH, I HATE FIA. Long story short, the last straw for me was when the snitty girl told me they had been trying to reach me for two weeks and talked to my mother who told them I was out of town. That is quite interesting considering my mother passed away 6 weeks prior to that alledged conversation with her.

Another thing that took place was I paid by phone by calling BoA directly. The woman awas very helpful and even waived the fee for me. Two days later FIA called, I told them I paid already. The woman said they did not have my payment and I was lying. I hung up, called BoA directly and the CS agent condirmed my payment had indeed been recieved.

Do not talk to those clowns, hang up on them and call your bank directly.

i am so tired of B of A. I am about to open another account. This is the second month that FIA card services has made a mistake on my payments and i have to call to get credits back but BOA will not refund the overdraft fee. Mind you this is not my error, its a bank/merchant error. To my understanding, aren't they supposed to refund those fees. Who do I need to speak with to get this fraud corrected. It's not fair. We try to do right, but still get hit with improper fees. They are ripping us off big time.

In regards to FIA...I'm curious if FIA Card Services methods of business will result in a class action suit one day. I no longer know what is legal or illegal in terms of universally raising all interest rates on cards. I was even told that if I wanted to lock in my good rate, I would have to close my account although I would think that would affect my credit score. A customer service rep even read off all my debts to me over the phone and accused me of risky spending although I always made payments on their card. Anyhow I fortunately was able to transfer the balance to my credit union and close the account out fully. I hope my score isn't affected.

but does anyone here know how to get in touch with anyone other that Customer Service?

FIA checking your credit is "soft Hits" does not affect your credit, "hard hits" such as opening or requesting a credit increases in whihc a creditor asks to check your credit, is a hard hit, but when a creditor checks on its own to asses risk blah blah its a soft hit

guest1234 who i deleted is part of the reason that BS of A is one of if not the worst bank in america.

Today I got a call from FIA because my bookeeper didn't get payment in in time, who is FIA my card is with BOA not FIA. I am leaving BOA after maney years because when I called to talk payment found out tell a markerters were handling my personal information. Its over!

Bank america fia is out of control.
Do not use credit card or checking from bank america.do not use bank america for nothing.it is the last bank in the world for me.
Bank america discriminated poor and disability people.(overdrafts!!!)
bank america send a letter here asking for my husband's account and routing number either.my husband is blind and mentally ill.my husband
is in social security disability!!!it is a crime guarnished from social security.
I just gave a complaint to ftc about boa and i will complaint against bank america send this illegal letter here.
My husband is paying a credit card from bank america for 5 years and is paying more than 75,00 a month.ftc told boa to reduce the fees and boa
mercenaries want revenge.i want revenge either.revenge for all good people that have been harassed and robbed from bank america.
The attorney general of florida bill mc collum office called my husband another day and reduce the big fees.please everybody give a complaint to ftc against boa.bank america need to be stoped now.