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FIA Card Services - What are the key complaints against them?

FIA Card Services - What are the key complaints against them?

Submitted by on Sat, 09/13/2008 - 13:13
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Got my checking account statement today, and found a "check payment" that I didn't recognize that was debited from the account. I went to my bank and found it was FIA Card Services. I do have a B of A credit card account with them which I unfortunately haven't been able to pay as agreed. My checking account is with a different bank (not B of A).

The sent me a letter last month, "confirming my conservation agreeing" to a settlement offer with graduated, increasing payments. I have had NO phone conservations or other correspondence with them. I didn't respond or authorize them to take any money out of my account, as I can't afford the ballooning payments.

But they somehow faked a phone-authorized check, with my bank's name and account number on it, which my bank accepted.

I have been making small, "good faith" payments with them, but with money orders. I did use the checking account to make payments when I was able to stay current with payments. But I have another checking account, with another bank, that I had used as well and they didn't mess with that one.

I have filed a fraud complaint with my bank, and I may have to close the account there.

I have two other B of A accounts that were charged off and sold to collection agencies. I don't know why they are treating this one differently, except that it was originally a Fleet account that was taken over by MBNA, which was then taken over by B of A.

I have a credit card linked to the checking account with overdraft protection, on which I am staying current, and which has space available on it for the total amount they want. I suspect they must somehow know this?

I can't believe this is legal. My guess is that someone in collections was desperate for a commission and stepped over the line?

Do the creditors have a way to find out what bank accounts you have (even if you have never used it to pay them), and whether they are linked to credit cards with overdraft protection?

Any advice would be appreciated.


I had a similar experience. I too am behind on credit card payments to B of A. Fia wrote themselves an unauthurized check from my account and used someone else's name with my last name (not me), my address and account numbers. When I called to file a check fraud claim they (B of A) transfered me to FIA, when they realized they goofed by using the wrong name they reversed the amount. I am still trying to get them to reverse bounced check charges that resulted because the amount they paid themselves exceeded what was avalible in my account. I wonder if I have legal recourse? Hopefully someone knows?


Submitted by on Thu, 09/25/2008 - 23:12

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beleive it or not .... at any time Bank of America can tap your personal accounts if you have a credit card thru them no matter if your late or not .... check paragraph 7 in the disclosures they just updated --- they just snatched $2000 from us when we were only behind to the tune of $470 ... but the bank continued to pay items leaving us in the negative to the tune of $1600 ----- wow they have some great accounting people --- even I can see they really didnt help themselves much --- if we nevr repay the negative ... they got $400 not even what we were behind .. sooooo AHAHA bank of america you just lost another customer ... BIGGEST SUGGESTION HERE I CAN GIVE IS never put money in a bank that you have credit cards thru --- if u own a bank of america card never bank with them .... casue this can happen at any time i was told ....


Submitted by on Fri, 10/17/2008 - 03:44

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I have been a Bank of America customer now for over 3 years. So far I am very dissatisfied with their service. Most of there tactics are deceiving and seem to trap consumers.

Here is my #1 problem with this bank. I got a student credit card with them and used it irresponsibly and quickly went over the limit. At first I was paying on time then after a few months I stopped paying. About six months later bank of America put me on a 5 year payment plan to pay off the balance of my debt of $46 dollars a month to be paid on the 21st of each month. I went about 3 months with no problems then all of a sudden they stopped automatcly withdrawing the payment out of my account. i called up and they advised me that I needed to reschedule my payment plan and thats why they didn't debit the $46 out of my account that month.

I got a letter in the mail about 2 weeks prior saying that i need to reschedule the payments. I called the number and they said to never mind the letter that it wasn't nessasary (witch apparently wasn't true). So two weeks later when the payment wasn't made I got hit with late charges and fee's. This did not seem fair I did everything I should have and I had to pay for a bank employee's mistake.

So after I once again rescheduled the payments 3 months later the same thing happened (this time with no warning letter) I got hit with late charges and needed to reschedule. Fed up and untrustworthy of this company I decided to call up and request a full statement outlining what my charges are and how they came up with my balance. They said they would send that in about may I would say. I still haven't received this or any other communication with bank of America.

Now on September 30th 2008 my checking account gets mysteriously debited $46 after not speaking with them for almost 5 months. I called and got the run around and gave up. Now on October 21st 2008 i get another charge for $46 so I called again today. I spoke to bank of america about the situation and they transfered me to a represenitive of FIA card services. She advised me that the reason these two debits came out of my account were because I called in and authorized them to do this on Sept. 30th 2008. I am 100% positive this never happened. i ask them to let me listen to a copy of the recording of me authorizing this and she said she will transfer me to the manager who can help me out with this. I was transfred and I got a voicemail, so i left a message explaining my situation. These practices are very wrong in my opinion and hopefully Illegal.

On a side note I asked them not to make any more debits from my account to pay this bill. They agreed and I asked them to send me written documentation verifying this and I was old this was impossible (she said they cant send a letter verifying something that is not taking place) this makes no sense to me why cant they send a letter saying 'no more electronic transactions will be debited from my account' So after i was told this I was asked for permission to record her saying that this will not occur, once again I was turned down. She also couldn't give me a straight answer of why the $46 was taken out of my account on different dates for the September and October payments.

My question is What can I do about this. I incurred a $35.00 overdraft free from this unauthorized transaction. Bank of America should not be aloud to steal money from there customers accounts and then give them the run around when the start asking questions.


Submitted by on Thu, 10/23/2008 - 11:01

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I have had similar experiences. If you don't watch them daily to see what their doing in each of your accounts, they will find some way to create transactions between accounts that result in fees. I don't think it's illegal, but it certainly is incredibly unethical. When I contacted customer service, I too was given the run-around -- transferred, conveniently disconnected, etc. The best recommendation I can give is to close your banking account and find a credit union. Re: the credit cards - transfer the balances to another card co.


Submitted by on Thu, 12/04/2008 - 07:38

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I noticed today when I entered my business boa credit card (that I payed down from 17k to 5k but now at 9 k that they reduced my credit limit to 8k (A LIMIT that is BELOW what amount was being used on a credit limit of 18k that I had reduce from 22k just recently. Folks it is time to mutinize the feds totally... BOA and other banks and the FED allowed system to LOAN SHARK needs to stop! I have paid over 100 in fines and increased interest rates over the past 7 years because of a LOAN SHARKING SYSTEM that our politicians seem to ignore. I have had the run arounds, disconections etc with them also.. they will provide little to no information about the corporate system other than faulty fax lines and PO Boxes! I think we should all write to the address and inform them that we are making changes to our agreements!!! and that if they do not reply with in 10 days that they are forefitting the agreement in it entirety and we owe them nothing. I think we should all just stop paying them but lets take the time to let people who have linked checking with auto deposits of thier hard earned money to get thier deposits into another bank...all in favor???


Submitted by on Wed, 01/28/2009 - 10:17

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OK , it is now time for all to take your money OUT of bank of America! Put into a Credit Union Account and NOT PAY YOUR CREDIT CARDS! Use the money to put back into the ECONOMY buy your self something! If every one does this it will crash BOA!!! (and other banks who loan shark) If it crashes, we owe them nothing...hell we don't anyway! I personnally have lost etimated over 100 grand to them through thier LOAN SHARK practices!
I will be doing it myself next week to set up an acccount else where for my retirement pay... then to stop paying them like I told them I would after they dropped my credit line from 18k to LESS than what I owe them AND gave me a OVERDRAFT Fee. After WASTING my time on the phone with them I think I will just make copies every day of action on my accounts If they want to come get me let them try! I have not opted in or out of the Class A LAW SUIT just yet, and I have my banking statements for the Past 7 years.... I hope eveyone takes some sort of NON PAYMENT ACTION at once!!! CRASH the Giant with a blow within a month they will no longer exist! UNITED WE STAND in this one! PS I am retired USAF returned from 7 years abroad with SOUND Credit Hisory... due to bank of americas practices, I am now struggling to keep afloat, while they continue to extort money out of me and YOU!

I really thin we all should just not worry and DO IT! Heck most of us do not have any credit left because of them any way...so what do you have to loose? Even if your credting is good, it is the debt to income ratio that lenders look at.

Just an idea... if you are interested in joining me begin the strategy with in 30 days of this post...LETS ROCK AMERICA...don't forget not to worry and spend those dollars on the economy, buy something any where but WAL MART!


Submitted by on Wed, 01/28/2009 - 10:32

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about an account I had someone authorized to use and had applied for my name to be removed after they ran up a 2k bill and have been making the min. payment for the past year.. The 1 st person said they don't do that, the second person said it "takes a while " for the transfer to occur the third person said it had been denied but the only thing they had on the account was my name as the primary card holder the rest of the vital info was hers and her as an authorized user. WTF?
I heard someone on morning TV talk/news say that for the next year they would be pulling out every trick in the book because next year the law actually does make all the crap they are pulling illegal but until then they can run amuck.


Submitted by on Wed, 02/25/2009 - 19:36

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I have had a continuing horrifying experience with FIA Card Services. I have a CC thru my credit union (who has now dis-associated themselves from this company). I used their promotional offer to transfer a balance with 0% interest for a year. I NEVER used the credit card. Several months ago, I started to use their autopay system, where they automatically withdraw the payment from my checking account. During the transition from pay-by-mail to autopay, they managed to get 2 payments from me in one month - one by mail and one by autopay. I called and they offered to send me my extra payment back. They did, and I cashed their check. The next month, and every month thereafter, they listed a finance charge and a new balance under "Purchases". Every month I complained and, after much effort, they reversed the charge. This has continued to this day. I still have the residual "Purchases" and ongoing finance charge in every statement. Again, I have NEVER used the card or made a purchase! They seem incapable of keeping their books. This week, they have started to refuse to connect me to a supervisor. I have been promised a return call in 72 hours, but no one calls. I now am told that unless I identify their billing error exactly, I cannot be connected to a supervisor. How would you like to explain to an agent what the problem is, when their own managers cannot explain why I am being charged?
Any help would be appreciated.


Submitted by on Thu, 03/19/2009 - 01:56

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I just hung up from the unhelpful FIA representative that advised "Sorry we can't take your interest rate back down to 7% on your business card account, because you were 2-3 days late on your payment." I travel, missed the cutoff and had my rate tripled. I just closed the account and will be paying them off. No customer service & absolutely no awareness of what's going on in the economy of the U.S. Never again.


Submitted by on Thu, 03/19/2009 - 11:00

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These crooks deserve to fail, they ripped me of ,late feed me to death .no matter what I say when they call they keep calling and late feeing me to death. Making an effort to even make a payment is pointless. After 20 plus years of great credit they destroyed me ! Screw them


Submitted by on Fri, 03/20/2009 - 11:37

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Almost got me too - luckily I have credit lines w/Chase and Discover and am using them to pay off lines I had open w/Bank of America, and an old balance w/SunTrust before they cut off relations w/FIA (contract ends 12/31/09 so still be wary). Luckily we still have honest bank tellers to tell you what's up & wise you up to be sure to ask the bank you are thinking of using a credit line with to send you an e-mail or letter stating that your account will be serviced "in house" and NOT Outsourced!!!! God bless America but it's up to us to help get some of these "servicing" companies out of here & get the government to take a stand for us!!!


Submitted by on Sat, 03/21/2009 - 16:03

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Pirates and thieves thrive in the credit market. FIA is the leader. Due to the current state of economics I am forced to reduce payments. Don???t ask this company for help. Now they are raising my rates because I am having troubles meeting the minimum payments. If I can???t make the current, what the hell makes this company think I can make the new payments? I am going to find a way to take legal action against them. This company is the same as AIG, GMAC, Enron and all the other THIEVES???..


Submitted by on Mon, 04/06/2009 - 05:33

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i just got a letter in the mail from FIA saying that they are raising my rates...They say i can reject this change in rate, but if i do, i cant use the account anymore or the rate will go up anyway...
thats just ridiculous..im thinking of rejecting this and then not using my account..


Submitted by on Sat, 04/11/2009 - 13:23

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In this current economic atmosphere I am appalled at how this monster of an institution stays afloat. I have a credit card account with "FIA Card Services" (AKA: Bank of America) which I have NEVER carried or used - it was simply an "overdraft account" setup by Wachovia (formerly First Union Bank) over 10 years ago. My payments have always been on time, I have excellent credit...and somehow the APR is 27.99%!!!!!! How this is legal I don't know. The mafia doesn't even charge that much! My credit line was $25,000 until I lost my job with an airline that shut down due to astronomical gas prices in September. When I called FIA Card Services to try and work something out in the way of a lower APR... they "promised" to help me... I was in tears on the phone. They transferred me to a supervisor who asked me several questions about our debt and other bills - she seemed so sympathetic. Well, she then quickly told me that considering some of our other bills... we were not in a position to have our APR lowered - but what she did say she would do is LOWER OUR AVAILABLE CREDIT FROM $25,000 DOWN TO A MERE $3,500!!!!! I felt like an absolute fool to believe this supervisor would help me. Our balance on this account at the time was approximately $3,200. Needless to say, I hung up. Two days later we received 3 letters from FIA Card Services, Bank of America and Wachovia - all with different letterhead... but ironically all signed by the same guy. Basically the letter said our available credit had been lowered. So when a person has great credit, pays their bill on time and is a good customer - this is what happens??? Would it not make sense to work with a good customer in hard times? Especially when people like you and me bailed their unsuccessful butts out?
Today is my due date for this credit card. I went online to set up an epay at 1:00p.m and when I got to the confirmation page it said my payment was scheduled for tomorrow! In order for it to take effect today (the due date) I would have to pay an additional $12.00 for "express pay". Heck, my payment is only $95.00 - why would I do that when I am trying to pay on the due date already? I pay some 13 other creditors online - NONE of them charge these unbelieveable fee's. I tried to pay by phone today as well and was told that would cost $15.00! I spoke to a representative and he told me the payment had to be there at least 2 days before the bill is due in order to be "on time". My next call will be to the Attorney General's office to complain... how these tactics are legal... I don't know. I plan to pay off this "BANK OF AMERICA" card as soon as possible and NEVER do business with them again. My husband and I will make it our goal to tell anyone and everyone NOT TO DO BUSINESS WITH BANK OF AMERICA OR ANY OF IT'S AFFILIATES! I hope people out there start "getting it" - this is supposed to be a great country - we are supposed to be fair and ethical. If this is the way they treat a great customer... I am horrified to think how they treat the average customer. Beware of Bank of America... I hope their day of reckoning comes very very soon.


Submitted by on Tue, 04/14/2009 - 11:19

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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. :)


Submitted by on Wed, 04/15/2009 - 13:57

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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. :)


Submitted by on Wed, 04/15/2009 - 13:57

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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.


Submitted by on Thu, 04/16/2009 - 09:53

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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.


Submitted by on Tue, 04/21/2009 - 14:02

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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?


Submitted by on Wed, 05/06/2009 - 11:43

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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!


Submitted by on Fri, 05/08/2009 - 20:22

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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.


Submitted by on Wed, 05/20/2009 - 14:07

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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......


Submitted by on Thu, 05/21/2009 - 12:53

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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!


Submitted by on Thu, 06/25/2009 - 09:51

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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.


Submitted by on Mon, 07/06/2009 - 11:02

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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.


Submitted by on Wed, 07/08/2009 - 12:59

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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.


Submitted by on Sun, 07/19/2009 - 01:08

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


Submitted by on Wed, 08/12/2009 - 11:46

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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


Submitted by on Wed, 08/26/2009 - 00:37

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


Submitted by paulmergel on Wed, 08/26/2009 - 05:21

paulmergel

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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!


Submitted by on Fri, 08/28/2009 - 14:43

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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.


Submitted by tsacgiv on Fri, 09/18/2009 - 11:29

tsacgiv

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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?


Submitted by on Mon, 09/21/2009 - 02:01

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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. [email]Kinnunenr@yahoo.com[/email]


Submitted by on Thu, 10/01/2009 - 14:00

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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..........................


Submitted by on Fri, 12/04/2009 - 14:13

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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


Submitted by on Tue, 12/08/2009 - 08:13

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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.


Submitted by on Sat, 12/19/2009 - 13:13

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[QUOTE=Anonymous;509405]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.
[/QUOTE]

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.


Submitted by cajunbulldog on Tue, 12/22/2009 - 08:06

cajunbulldog

( Posts: 4850 | Credits: )


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).


Submitted by on Wed, 01/06/2010 - 14:27

( Posts: 202330 | Credits: )


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????


Submitted by on Wed, 01/06/2010 - 17:36

( Posts: 202330 | Credits: )


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?


Submitted by on Fri, 01/22/2010 - 16:33

( Posts: 202330 | Credits: )


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.


Submitted by on Fri, 01/29/2010 - 21:49

( Posts: 202330 | Credits: )


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?


Submitted by on Sun, 01/31/2010 - 06:05

( Posts: 202330 | Credits: )


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.


Submitted by on Mon, 02/01/2010 - 09:27

( Posts: 202330 | Credits: )


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.


Submitted by on Thu, 02/04/2010 - 09:48

( Posts: 202330 | Credits: )


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.


Submitted by on Thu, 02/04/2010 - 09:55

( Posts: 202330 | Credits: )


Greetings-
About four years ago it was suggested I close my credit card account in order to avoid having my minimum payment amounts skyrocket.
I closed the account and have made the minimum payments as planned, but with my January 2010 statement came an increase of almost DOUBLE my required minimum payment.
When I called FIA and spoke with someone in the Credit/Hardship department (I am currently unemployed, but can still make the minimum payment that I have paid for the last four years) they said there was nothing they could do about the new increase in the minimum due.
I told them there is no way I can pay it and I was then told to just continue with the old minimum payments, but then I would be assessed fees for being past due.
Should this practice be reported to the BBB?


Submitted by on Thu, 02/04/2010 - 15:37

( Posts: 202330 | Credits: )


My mother keeps getting a letter from FIA/Global Card Services President, namely: Richard K. Struthers on her card account. She has no knowledge of this card with the ending account numbers listed. How can she notify them when they sent no phone number?


Submitted by on Sun, 02/07/2010 - 04:01

( Posts: 202330 | Credits: )


This is not a question but the assumption of FIA that I want to take part in their promotional 2.99% if I don't reply a yes or no question. Should I make a $250 purchase it would automatically go to the 2.99% And then if I make a late payment oh boy they have got me, raise my percentage!!!!They may have had the promotion in their blank checks which I take an shred without looking at them. Not nice Bank American.


Submitted by on Tue, 02/16/2010 - 12:03

( Posts: 202330 | Credits: )


This credit card bank has the most archaic statements and their online bill paying should be shut down...the print is miniscule and they try and get you to make a payment on the last day due...cannot figure out why..and they try and get you to only pay a min balance. They stink..you cannot email them and they stink on the phone. I have called on behalf of my wife and they have hung up on me.


Submitted by on Wed, 02/17/2010 - 06:31

( Posts: 202330 | Credits: )