FIA Card Services - Why are debtors complaining?

I have a similar situation. After being so confused and frustrated because they said (FIA) it would take months to figure out with my bank how this happened. They ended up getting me to agree to paying back a loan amount lower than I owed at a fixed amount over 5 year period with a minimum APR. - but the debt was incorrect and I was not sure how to prove it or get them to credit it back so now I am paying money I didnt borrow. How do I reach the legal team I saw that can help me with this?

My fiance and I just discovered that FIA Card Services was automatically withdrawling $50 a month out of her checking account and had been doing so for the last 4 months. The first month they started taking money out of her account they withdrew $125.00 and then every month after that they took $50 until we noticed the forgery. We spoke with them on the phone and we were treated very poorly by their own forgery department. They told us that we authorized them to make these withdrawls from her account which was false. We have filed an affadavit with our bank to try to receive 90 days worth of the payments that they took from us. I really hope that this company will be investigated. From all of the other stories within this forum it really sounds like the proper authorities need to step in and investigate.

Today I checked my checking online statement and found strange transaction which made by FIA Credit services, I never heard about this company, I called to my bank Wells Fargo and disputed. Later on I found out that FIA Credit Services is same Bank of America. Not everyone knows that FIA and B of A are same company, it makes people confused.

If you have been harassed or treated badly by ANY bank, file a complaint with the Federal Reserve. I am not sure if the link I post below will show up or not. If it doesn't please, google "banking complaints" and look for the link that says Federal Reserve Consumer Help .. go there and click the area that says "How Do I File a Complaint?" Hopefully the link to that site will show up - http://www.federalreserveconsumerhel...nfo.cfm?info=1

I - so far and I pray it will only extend to phone harassment to my cell phone - have only been receiving "Unknown" calls to my cell from Bank of America several times a day about every other day - to this point! It might get worse before it gets better! LOL!! They sometimes leave messages stating it is "Card Services" calling about my account. At times, I just have a message with chatter between one or more reps at a call center - used to work at one .. so the sound is very identifiable to me! LOL! But today was the first time I have gotten a call from FIA Card Services. Curiosity got the better of me, and I decided to google "FIA Card Services" .. and all I am finding is complaints about their nasty reps, deceptive practices and apparent willingness to just go out and take money out of checking accounts. Quite frankly, I am scared to death they are going to mess with me in this manner before my bankruptcy is filed. However, once it is, the Trustee will likely get them to reverse any charges taken without my authorization. At times a bankruptcy court can be a lovely thing - LOL!!

To anyone else suffering in these horrible economic times, I sure do feel your pain and please know that there are options you can take to get away from this. I know bankruptcy isn't the most wonderful idea and is sure does make ya take a hit to the old self-worth gauge .. but it is a chance to start over and learn to live without credit cards.

I had a kidney transplant that really set me back on my patoot financially and it hasn't help since the transplant - now 7 years ago - I have yet to be able to find a job .. but you just really have to take the attitude of "Every day I wake up breathing is a good day" and focus on it .. or so I am trying to do!! Good luck .. and know you are not alone by any stretch of the imagination .. and you are NOT a bad person for having this happen it you.

RUN, do not walk away from FIA.

today i requested a interrest reduction and a explaination of why they continue to charge higher interest on an account that i have paid hundreds of dollars above the minimum to pay off the higher int. pre law, (answer accured interest ?? caused the from the statment date caused the payment to be applied to the low interest side first, owed $24 mo payment, low $1200 , hi $138.00 payed over 3 months 400.00) looks like there braking the new law, SOOOO
Today they capped off my available ballances, With 700 wk income and 16000.00 in cc debt, min pay 345mo, just payed off auto loan 365 mo saying i cannot pay my debts unless i am doing something illeagle, please note score 790 all payments paid early and no late sense 1992, they have slandered me, ruined my credit rating, made it impossible to get a car loan and and tried to close other accounts with cc consolidation sold by them at a payment of twice what i pay now.
may fia and bofa burn in HELL!!!

what's the catch on the promotional offer of 0% for a year should I do it

I too had a credit card with BOA, I owed 2400. I received a letter one day that they were going to raise my APR, I called them and they verbally agreed to close the account and let me pay it off at 9.9%. I had it down to 1800 and a year later they raised my APR on the closed account to 15.9% without any notification what so ever. When I contacted them, they told me there wasn't anything I could do about it. I took out all my money out of their bank and changed banks and refused to pay on a card that they first renigned on their account. Now these crooks are taking me to court. I have no money, no job right now and I've been told what little I'm getting from SSI they could take too.

When it matures they will jack the interest to the max, ( Read the variable fine print)

I love FIA. They pay me 2% cash back on every dollar I spend on my credit card, and I've never paid a penny of interest. The couple of times I've needed to call them, they've been friendly and efficient on the phone.

Close your account go to another bank and never consider Bank of America or any of their affiliates unless you enjoy being masochistic. You will get burned. They are nothing but professional nickel and dimers that have created a new art form in American greed. Gordon Geiko could take lessons.

Bank of America gave me a credit card in 2002. I paid it on time except for three
times over the eight years. I lost my job this summer and paid it six days late. Because I wasn't working I got another week behind on it. A company called NCO started calling me everyday, sometimes twice a day. I paid the bill and they still call me constantly. I don't know what has happened but these other people won't leave me alone. I'm a single Mom and have enough pressure without this harassment. Do I have to listen to these pushy unprofessional callers.

They called me too at work. I have requested they stop and legally the must. I have a late payment, only one in 20 years, and they are harrassing me. I had a medical emergency and will be able to fully clear everything in the next few days, but it was very upsetting and embarrassing to be have that conversation at work.

They have kept calling my employer and leaving messages! I am mailing a cease and desist letter today and hope they will honor it. God Bless.

I had fallen behind on my payments, they told me that if I make 4 on-time payments they will report my account as caught up. I called after 4 on-time payments and they told me that due to banking regulations they cannot do so anymore. This is bogus to me. Aren't banking regulations supposed to help the consumer?

After running up a balance of over $5000 when opening a new business, I prevailed upon a family member to help me out with paying it off. He gave me the info on his money market account, which he uses to pay all his bills. I entered the info online for $2200 and it said the transaction shad gone through. A day or so later I checked my account online and guess what! It said it hadn't gone through after all. I called customer support, and they verified the account info--I told them it was a money market account and they said OK--and submitted it again for me. A few days later I check back online, and again it had been rejected. So once more I call customer service, and once more they take the info and say they will submit it and it should be OK. Once more I find it rejected. So again I call, and this time they tell me that they do not accept money market accounts and a physical check will have to be sent. So my relative sends a check for $2200. It clears and all is well. Except that now there is a hold on my account. I call to see what the problem is. After all, I had a sky-high credit score before this and had never been late for a single payment. True, by the time the check cleared the payment was late, but I had been making a good-faith attempt for some time now to pay it. They keep handing me over to various departments, each of which says it is not equipped to deal with the problem. Finally I get someone who agrees to talk to me. I explain that I do not want to use the card--I hate it. I just want to pay it off. But I am totally pissed at the insult. The rep tells me that from now on I will have to pay with a money order because they cannot take any more checks from me. Or I can continue to pay online. Incredulous, I ask her, "Let's see...I sent a check for $2200 which was good. So now you can't accept any more checks from me.Right?" "No," she says, it's because your online transactions were no good."
"Because your reps apparently didn't know that you didn't accept online payment from money market accounts, which wasted a couple of weeks, which made the payment late. So now, because the online payments were screwed up, I have to make all my payments online. Do I have it straight?"
"Yes."
"You realize you are making no sense. So why don't you change it."
"I can't do that."
"OK, I'm going online with my story. Have a nice day."
What gets me is the total illogic here. Believe me, I'm paying them off as quick as I can and closing the account.