https://www.ftccomplaintassistant.gov/
SORRY ABOUT MY ENGLISH.
SHAZZERS GAVE ME THIS INFORMATION.THANKS GREAT SHAZZERS.

BOA needs to be investigated for criminal activity. They have several times improperly processed my automatic payments. Because they have messed up on their side, they then increased my rate from an introductory rate below 5% to nearly 30%. I was called and told that i had to pay the difference from my previous scheduled low rate to the 30% rate. After that I could call back and explain to their retention department what occurred (their error at BOA) and ask to have my initial rate reinstated. The fia cust service person was very nice to me on the phone and agreed BOA was in error, but her hands were tied. I guess she was also lying in the end as when i called the 'retention' group number, the numbers I have received from them go to a messages stating this number is not in service. Who can we write to for BOA criminal activities? Is there a class action suit against them yet, as I have also heard horror stories from others as well. Not only are they stealing money from us, they are ruining our credit. I have also been on phone with their cust service previuously with other messups done by BOA, and they were the rudest , condescending cust service reps I have yet to encounter. BOA has now taken over my mortage company. Who is investigating BOA?

I have been fighting FIA Card services for over a year regarding A check by phone that they attempted to take from me without authorization. In fact I specifically told them that I would never let them do a check by phone.
It is legal for them to take money from other accounts you have with them ( checking or savings), but it is not legal without a court order for them to take money from accounts you have at other financial institutions.
This is what they did to me. They used the account numbers from when I had made previous payments to them to try and take my money from another bank. This is FRAUD!
If this happened to you please let me know the details as I am fighting to put a stop to these illegal actions and hold the people at FIA accountable. Kinnunenr@yahoo.com

if they take money out of one account to pay another knowing it will overdraw an account so they can tack on overdraft and late fees is highly illeagal and needs to be reported to the state attorney generals office immediately..........................

i been getting calls they said i have a court hearing coming next week never received any paperwork called number he left me to call can,t get anyone does anyone have another number to call , the number they gave me number 1-866-503-9461 recording thanks

I am behind on my payments to boa in part to them tripling my interest rate and doubling my payments.
They have called my wife's work number. I called them and told them not to call my wife's work number or my work number because personal calls were not allowed. I gave them my home phone number and told them this was the only number to use to contact me. They said they would take the work numbers out their computer and they would not be used again.
The next week they called my work number and called my wife's work number again all in a 10 minute time frame.
My wife's supervisor gave my wife a written reprimand for the second call. My boss told me to take care of my personal business on my own time and not the company's time.
I called boa again (FIA) and the person I talked to said boa can call any number they have, any time they want, and as often as they want to. I told her of the Fair Debt Collection Practices Act 15 USC 1692c Section 805 c about calling third parties not being allowed when they have been given a contact number and she said that law does not apply to boa.
FIA/BOA may think they are God but in my mind they are Satan.

Fdcpa does not apply to original creditors,but common sense is a rule everyone need to follow. I would file a complaint with your attorney general and get this resolved before boss becomes irate.

__________________
Cajunbulldog
Keeping an eye out for consumers.
http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm#809
http://www.ftc.gov/os/statutes/fcrajump.shtm
http://www.debtconsolidationcare.com.../about216.html
Use this letter to protect your rights under the FDCPA
myfairdebt.com & myfaircredit.com-Good source of case law in forums.

I have a Bank of America Visa card which is apparently handled by FIA and they royally screwed up my account. The mistakes start with their apparent refusal to apply payments for SEVERAL months. This resulted in a cascade of fees and fines and marks against my credit history. This began in early 2009 and to date the problem has not been fixed despite numerous phone calls and requests for material in writing stating how they intend to fix this problem. I have not had my unapplied payments returned to me or simply transferred to my account. The fees have not been removed. I will NEVER do business with FIA Card Services AGAIN and highly recommend that NO ONE does business with them. They continue to harass me (in my opinion) with emails, letters and phone calls for a matter they simply will not fix. I can not get loans or new credit cards because of this. I am, from a financial perspective, SOL thanks to FIA.

My problem is very similar to question #1 (from 9/13/09 by Anonymous).

After a call tonight and having several accounts with this company for years I was told tonight one account was being closed, one lowered to $1000. and the other to $1000.00 over my current balance. All after making all of my payments on time and no balance carried on two of the cards. They claimed I didn't make enough money which hasn't changed in years to have that much credit. WHAT THE HELL????

These crooks need government intervention. They are robbing the American people, they are running the country. Where is our govt? Could they be getting paid off too?

How come his is happening? Where is the working mans bailout? I guess I should go home, not work, and wait for the Obama check. Anyone up for a 40 yo?

If it has been put in my credit report that an unsecured loan is written off as bad debt, can they still sue me.

My experience with this credit card account is I find that they are the worst of the worst, since they seem to have no idea what it is to fall into hard times. Citibank gets it and chose to close my account and charge ZERO APR as I restructure my finances to handle my situation. Now FIA is the card I am working hard to close down. When I attempted to get onto a payment plan shortly after they raise my interest to 29% they connected me to a representative that was supposed to help me. Her only response after listening to me is: "Do you have any relatives, family, or friends that can help you?" Outside of that I was on my own. They did not wish to help me or put me on any plan and I was left stranded. I paid them each month even if it was $50 as a good faith payment, though it was not what they wanted it was something. They were calling me every hour on the hour while I was in this situation. This includes weekends, and from 8AM until as late as 9PM. They kept raising the amount due by piling more and more fees on top of the amount, and though I could not afford food, they wanted me to pay $700+! And that was just to break even. I then took on another job and worked like a slave to get them their blood money. I am now on my way out and will pay them off, and yes they are connected to my Credit Union bank account so this could become a problem in the near future. I am astounded that such a card could be connected to a UNION ACCOUNT, since this was every bit the nastiness one reads about with big banks and their shady practices AGAINST the American people. Every card I own has not placed a late payment on my credit report, that is except FIA card. Even though they were paid what I could afford they placed late payments on my credit record. I find out of all the nasty credit card companies this one is the most obtuse and they only desire their money and cannot give a toss about the people whose money they are using. My sin is I lost some hours at work and was poor, and this is the way they treat someone that has been using their card for at least 10 years. I truly hate this card company and hope they get what they deserve.

I called FIA to request entry into a hardship program. My salary was cut by 30% a year ago and I have exhausted all savings and alternative funds and was not going to make my payments going forward. FIA asked several questions about income and expenses. I had given FIA the worst case scenario thinking this is what they were interested in. I was told I did not have enough income to make the hardship program payments. When I questioned the program and asked to modify the inputs to more realistic numbers, I was told they could not change the entries and I needed to review my finances and call back. I called back and offered different numbers to show I could qualify for the hardship program. After FIA entered the new numbers into their "program" I was told I make enough income to pay the full billing amount. Again I asked to modify the numbers and asked what it took to get into the hardship program. Again I was told they could not modify the numbers and the "program" only tells if you qualify or not. What can I do?

Americans are ignorant of what's going on. The new laws that go into effect in July 2010 put a stop to the "loan sharking" practices of banks and credit card companies. Consequently, the banks are taking their money overseas where there are no "loan sharking" laws (like China whose economy is growing at our expense). The banks are trying to get as much money as they can, as quickly as they can, to finance these programs. There will be NO CREDIT in America. We will need to become a "cash & carry" economy.

i get calls (show up on caller id) (never spoke to them)
from 800 Services. what is this. they leave messages saying there is unusual activity on my a/c and every statement is the same - because i don't use their charge card. any info will be appreciated. ty.

FIA defrauded me this week. I authorized a small payment on my credit card and they inflated it to over three times the amount discussed. I am filing fraud complaints against this highly dishonest company with the Federal Trade Commission, with Bank of America and with my own bank. I will never deal with FIA again.