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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.

They jacked up my rates although we had never been late with a payment & lowered our limit right after the promotion period was over, on another reg purchase. As soon as we pay them off it's cut up & trash...We will never use them again!!! Do not ever get one of their cards...

Sub: #81 posted on Mon, 05/02/2011 - 20:09


try a credit union....soon as you are 1 day late fia will zap you....

Sub: #82 posted on Mon, 05/02/2011 - 20:11


I just opened your oh so impersonal and threatening letter about the usurious rates the charged if the bill is "Late".

Wonderful--no wonder so many debtors are defaulting o their outstanding debts--two can play hard ball. My inclination is to tell you to piss off. But agreed and will pay all I owe-- I just hate the sleazy way our do business. No wonder this country is in the shitter.

Sub: #83 posted on Wed, 05/04/2011 - 13:42


Here's a solution, quit spending more than you have and you won't run into these problems.You guys owe thousands of dollars to them and then complain when they jack your rate and try and get the money from you? Gimme a break.

Sub: #84 posted on Sat, 05/07/2011 - 15:17


nah,you give me a do you possibly justify an evil piece of garbage cutting someone's limit while jacking not only the percentage,but doubling their minimum dare you even try to judge when it is the credit card companies at fault?does it even register in that dehydrated pea you call a brain that people defauling on these cards is at an all time high for a reason?probably get lost nobody needs an idiot like yours rants.

Sub: #85 posted on Mon, 05/09/2011 - 05:19

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

I owed bank of America and finally had a court order to pay $50.00 per month until it was paid.I cancelled my credit card and they kept sending me junk mail and calling to try to change my mind about closing my account. I send the amount to an attorney who then make sure it's paid. After a two years of doing this, I find today that my personal checking account has had a hold placed on it and my bank began legal proceedings disputing FIA Card Services who are trying to take out the complete amount in my account which is $436 and some change. I know this because our bank debit card was declined after my wife went grocery shopping. These people are crooks and sharks. I hope there is a class-action suit against them because I will definitely be signing up. I can't believe our government bailed them out. I will no longer have any dealings with FIA or Bank of America and any of it's affiliates. I advise anyone else to transfer there accounts to another bank.

Sub: #86 posted on Mon, 05/16/2011 - 18:21


Don't get FIA card for Bank of hawaii! We lost our job and unemployment for 15 months. I was never late 30 days, only late two times in 15 months because hardship by only few days. They raise their interest rate to 29%. Rip OFF!
Called their work out specialist, very secretive. They will not give out their phone number nor do it in writing. All verbal through the phone. We got a decent job but I am short of $200 on my budget and I asked them to reduce the interest rate or payment from $570 to $200 less for about 2 years. Absolutely useless!! They can't help me because they have to use the current payment $570 in the budget! Duh? Really stupid. On the other hand if you are in surplus they say why should they help? Customer service suck!!!! If they reduce the rate to 15% or anything I would have been a very loyal customers because i would be so grateful they help us in the time of need.

Sub: #87 posted on Fri, 06/24/2011 - 18:37


I have never had a problem with MBNA (the predecessor company) or FIA (the successor company). Customer service has ranged from arrogant with unintelligible accents (in the past), to highly professional (more current) (this can happen with any business). Web site is easy to use. Payments properly processed. No complaints and would generally recommend FIA cards. Reading the complaints, I think most of the posters are those who fell behind on payments.

Sub: #88 posted on Sat, 07/02/2011 - 08:07


My elderly father has been scammed twice by Privacy Assist (FIA Card Services). I had to battle with them about 6 months ago to stop charging him $12.99 a month for credit monitoring. They called him at home to "sell" him the service. Made it VERY clear that he was not and will never be interested in the service and asked that he not be contacted again since he is 79 years old, forgetful and hard of hearing. They did it again though - they started billing him again - he never authorized the service this time. Noticed on line that Bank of America (FIA) is being sued for "Unwanted 'Privacy Assist Services". You think!!??!! Tried to call to find out who "authorized" the service, but they won't tell me. Now I have to supply them with proof that it is ok with my dad for them to tell me who is ripping him off. What a scam! How do the employees at Privacy Assist in New Mexico sleep at night?

Sub: #89 posted on Mon, 07/11/2011 - 13:08


My statement from another bank shows $25 a month going to FIA Card Sevices. I do not have a Bank of America account of any kind.I have an Alaska Airlines credit card and that appears to be based out of Bank of America.I have put a stop payment and a complaint with my other bank.I had a bad experience with Bank of America several years ago and closed all my accounts.Beware of Bank of America as they own FIA Card Services.

Sub: #90 posted on Wed, 01/02/2013 - 20:40


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