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

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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.




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.

Sub: #31 posted on Fri, 09/18/2009 - 11:29

tsacgiv tsacgiv

(Posts: 2106 | Credits: )

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?

Sub: #32 posted on Mon, 09/21/2009 - 02:01

Unregistered


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]
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Sub: #33 posted on Thu, 10/01/2009 - 14:00

Unregistered


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

Sub: #34 posted on Fri, 12/04/2009 - 14:13

Unregistered


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

Sub: #35 posted on Tue, 12/08/2009 - 08:13

Unregistered


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.

Sub: #36 posted on Sat, 12/19/2009 - 13:13

Unregistered


[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.

Sub: #37 posted on Tue, 12/22/2009 - 08:06

cajunbulldog cajunbulldog
Moderators
(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).

Sub: #38 posted on Wed, 01/06/2010 - 14:27

Unregistered


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????

Sub: #39 posted on Wed, 01/06/2010 - 17:36

Unregistered


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?

Sub: #40 posted on Fri, 01/22/2010 - 16:33

Unregistered



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