Share post
Debt Consolidation Forums Identity theft - scams and security forums

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

member profile picture

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.




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!!!

Sub: #11 posted on Sat, 03/21/2009 - 16:03

Unregistered


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???..

Sub: #12 posted on Mon, 04/06/2009 - 05:33

Unregistered


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..

Sub: #13 posted on Sat, 04/11/2009 - 13:23

Unregistered


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.

Sub: #14 posted on Tue, 04/14/2009 - 11:19

Unregistered


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. :)

Sub: #15 posted on Wed, 04/15/2009 - 13:57

Unregistered


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. :)

Sub: #16 posted on Wed, 04/15/2009 - 13:57

Unregistered


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.

Sub: #17 posted on Thu, 04/16/2009 - 09:53

Unregistered


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.

Sub: #18 posted on Tue, 04/21/2009 - 14:02

Unregistered


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?

Sub: #19 posted on Wed, 05/06/2009 - 11:43

Unregistered


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!

Sub: #20 posted on Fri, 05/08/2009 - 20:22

Unregistered



Page loaded in 1.385 seconds.