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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.

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

Sub: #41 posted on Wed, 01/27/2010 - 05:57


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.

Sub: #42 posted on Fri, 01/29/2010 - 21:49


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?

Sub: #43 posted on Sun, 01/31/2010 - 06:05


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.

Sub: #44 posted on Mon, 02/01/2010 - 09:27


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.

Sub: #45 posted on Thu, 02/04/2010 - 09:48


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.

Sub: #46 posted on Thu, 02/04/2010 - 09:55


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?

Sub: #47 posted on Thu, 02/04/2010 - 15:37


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?

Sub: #48 posted on Sun, 02/07/2010 - 04:01


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.

Sub: #49 posted on Tue, 02/16/2010 - 12:03


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 cannot email them and they stink on the phone. I have called on behalf of my wife and they have hung up on me.

Sub: #50 posted on Wed, 02/17/2010 - 06:31


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