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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.




Claiming that I missed a recent BofA credit card payment, FIA began calling my ex-wife and leaving messages for me. The problem is that we've been divorced for THIRTEEN years and I haven't lived at that number for 15 years! They denied having my current telephone number even when I read it to them from my BofA credit card acct profile on their website. They also denied having my snail-mail or email address, again in spite of the fact that they are both listed on my acct profile and BofA uses them to communicate with me.

What recourse do i have other than demanding that they not call her again?

Sub: #61 posted on Wed, 03/17/2010 - 18:25

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If Bank of America owns FIA, why cant I make payments at a Bank of America branch?

Sub: #62 posted on Tue, 03/23/2010 - 11:18

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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?

Sub: #63 posted on Thu, 03/25/2010 - 04:14

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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.

Sub: #64 posted on Sat, 03/27/2010 - 20:12

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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.

Sub: #65 posted on Mon, 04/12/2010 - 18:32

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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.federalreserveconsumerhelp.gov/complaintinfo.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.

Sub: #66 posted on Fri, 05/21/2010 - 10:51

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RUN, do not walk away from FIA.

Sub: #67 posted on Thu, 06/03/2010 - 06:00

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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!!!

Sub: #68 posted on Mon, 07/05/2010 - 07:47

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

Sub: #69 posted on Fri, 07/09/2010 - 15:12

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:evil: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.

Sub: #70 posted on Wed, 07/14/2010 - 12:49

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