FIA Card Services

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Impossibly Stupid Intererst Rates With No Explanation & Terrible Customer Service
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NASHVILLE, TEXAS -- I've been a loyal customer of AmSouth bank for over 7 years and received my first credit card from them, which was an AmSouth Visa card with a 9.9% APR rate.

Over the years, my rate was the same and my limit increased due to payments (more than the minimum at times)made on time every month. Now here is where the nightmare began....

AmSouth was bought out by Regions and the credit card company transitioned from Amsouth to Regions... to MBNA (with a 10.99% APR rate) finally, my nightmare... FIA Credit Card Services with an APR rate of 29.99%.

I went along with it for a few months thinking that usually with a transition, the rate would increase for two or three months, then go back down to the normal rate as before. But when the rate NEVER decreased, I called FIA and had someone to explain to me why I was paying such a high APR rate when all payments have been made on time and some were more than the minimum. Here is the result I received:

1. I was on hold for 34 minutes
2. The first person I spoke to thought I was lying; I asked to speak to someone else
3. The second person I spoke to said I made late payments. When I asked when that was, he couldn't give me an accurate date. I asked to speak to someone who was more knowledgeable regarding the standards and practices of FIA, then
4. The third person put me on hold for 42 minutes because he said he was "checking on my account".

Since that didn't work out, I hung up and called back and spoke to a new representative. Again, I asked why my APR rate increased and the call became more interesting. He said I should have received a notice (in which I did) and that notice had a toll free number (which I called) and I was to tell the person on the line that I didn't approve of the increased rate (which the person I spoke to didn't know what the rate was, nor did anyone around him; he said I had to call another number and send in a certified letter stating I didn't want the increased rate but as an "aside" to me, he was nice enough to tell me that it wouldn't do any good since the rate increase was going through anyway no matter how many "NO" letters they received).

I hung up again (notice a pattern here??) called FIA and asked to close my account. When asked why, I told the rep that no one at FIA could properly explain why my credit rate increased. She only said "OK" and proceeded to close the account.

The ULTIMATE slap in the face was going to Regions Bank and explaining to the "account manager" what happened and if he could get any result from FIA regarding the increased APR since Regions sold the card division to FIA/MBNA. He called FIA and basically said that he had a customer in front who received a substantial APR rate increase and wanted to know why. He goes on to tell the FIA rep that obviously I hadn't read the information.


The Regions Bank rep made it seem like I was an idiot who never read the disclosure regarding the rate, who never called FIA or even sent a certified letter to say no to the increase rate. When he was placed on hold, I told him thank you for his "assistance" (which he never received an answer because he was being transferred from one area to another) and left.

Months later, I closed my account at Regions, obtained a loan to pay off FIA completely and have washed my hands completely of the entire mess with FIA and Regions Bank.
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fiastinks on 05/05/2008:
Bravo!!!! That's exactly what you should have done!! They did me very similarly, except that they changed my line of credit without an explanation.
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FIA Card Services Incompetence/Inefficient/NO Customer Satisfaction
Posted by on
PHOENIX, ARIZONA -- It's too bad I can't post the names of the personnel/employees I've encountered with FIA, because I have many names/ID#s of incompetent/curt/defensive/inefficient/ignorant/unaccountable/unreliable/unfriendly, etc., individuals. I really can't say that I've had a cordial experience with anybody I've dealt with there. Back on July 2009's statement we (Spouse & I) noticed unauthorized charges to our account. Contacted FIA via # posted on statements to address the unauthorized charges. Gave verbal stmt followed by signed affidavit, as requested per procedure. Claim was submitted to Fraud Dept. To my disbelief we received word from Fraud Dept. charges were denied as a fraud claim. I couldn't believe my ears and didn't want to accept that ans and kept questioning them as to their justification and asked to speak with a mgr who concurred with the decision. However, I still kept drilling them & asked them who I contact above their authority. Then they suggested that I could perhaps file as a dispute claim!!! I was appalled that they didn't suggest that initially, if I hadn't been persistent I would not have known to pursue that avenue.(I know that it is written on the back of the stmt's, however, I would've thought that by calling the Cust Serv. # they would have told me about that option as well as filing a fraud claim. After telling me that I can file a dispute claim they xfered me(via tele) to the Dispute Department. I was actually greeted with an individual (who was very polite, helpful). I explained the situation to him that fraud had denied my claim. Asked what do I do now. Was told that you only have 60 days from the transaction date to file a dispute claim, (we were down to 10-12 days) to file a dispute claim, we submitted the form on back stmt, only to find out couple days later we need to submit an affidavit to certify the contested amounts. We accomplished the requests with only couple days before the 60 days ran out. Supposedly, dispute dept will investigate, contact merchant&merchants banks regarding the unauthorized chrgs, and contact us if addl info is needed and will respond back within 30 days. Received ltr they received our inquiry (as they put it) and will research and respond within 30 days. 30+ days go by and no word, we contact them and now we're told our case has been xferred to the fraud dept!! WHAT/WHY!!! Its already been processed and denied by Fraud, why send it back??? No justification, no reason, no explanation!!! 90+ days now, Fraud Dept and Dispute Dept are 2 separate entities. One can't speak on behalf of the other!! Call Fraud claims denied xfer call to Dispute, call Dispute Dept xfer to Fraud Dept. Either dept can provide us with a status. Contacted someone from Customer Satisfaction Dept. and are requested to provide an affidavit for each charge unauthorized, make sure Ref # is provided. Did that!!! Received ltrs of affidavits received from 5 different individuals. Evidently, each unauthorized charge amount is allocated to several individuals. (I guess this is why no one can answer or address our case), keep in mind 2 separate departments as well!! I am amazed this supposedly "Fortune 500" corp. has achieved that status. I don't understand how they've been able to function. Actually, they don't, but they've been able to pull the wool over a lot of eyes!!! I know this story is long-winded and perhaps no one cares, but I had to vent. Actually, there is soo much more to this story, but I will cut it short (ha ha), and tell you that as of now, (150+ days) our claim/case has not been resolved. I don't know who to contact to get a status on our claim. I have made calls to Fraud/Dispute/Customer Satisfaction(yea right, customer satisfaction, ha ha), but have only received arrogance, run-around, shifted from one dept to another, all of which have proven to me the incompetence, inadequacies, inefficiencies, and disorganized structure of this company. Is there anyone who knows how I can get in contact with someone in that company who gives a SH__???
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Alain on 02/07/2010:
Try checking and/or calling the Arizona Attorney Gernerals office at 602-542-4266 to see if they can give you some guidance in this matter.
Anonymous on 02/07/2010:
It does sound as though their internal processes are less than organized when it comes to handling situations such as yours. Alain has some good advise. If the AG's office cannot help directly, they most likely will be able to point you in the right direction.
yhtac on 02/11/2010:
Thank you both (Alain/raven2002)for your responses. I appreciate your responses and suggestions. I will check into the website as recommended. I'll post the results.
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Beware Of This Phishing Expedition!
Posted by on
NORTH CAROLINA -- RECENTLY received this big, white, official looking envelope in the mail from some "PO BOX 53113 in Phoenix, AZ 85072-3113" under the address it reads "IMPORTANT AMENDMENTS TO YOUR CREDIT CARD AGREEMENT" Then the eight page letter goes on to say "changes to your credit card account ending in 0295" Well it happens that I don't have any such card or active credit card account with that number. Then the long official looking but poorly written letter with sloppy grammar goes on to suggest I visit their "website at" and to access "my account by "calling the toll-free number on the back of your credit card" Then it starts to get interesting with the sentence, "WE INCREASED YOUR APR due to the APRs and balances on this account to a corresponding APR of 24.99%"

Additionally the letter suggests that in order for me to REJECT THIS AMENDMENT to "my account" I must: "WRITE TO US AT FIA CARD SERVICES N.A. and CLEARLY PRINT OR TYPE YOUR FULL CREDIT CARD ACCOUNT NUMBER and state that you reject this change" !! "Send this notice ONLY to the address in this paragraph. This mailbox is ONLY for rejection of the Annual Percentage Rate and Default Pricing Amendments." "we must receive your letter by date____ or your rejection will not be effective"

Nowhere in this 8 page document is it explained exactly what the letters "FIA" stand for or which bank or credit card "FIA" actually represents nor provides any phone number or real street address other than various(suspect)P.O. BOX NUMBERS.

Well so sorry you slimy kiddies but your heavy handed, official looking, fear tactics didn't work on ME because I know exactly what this sort of document is supposed to look and read like!

AND...even though I do live in The South, I'm not the gullible, illiterate, god & authority fearing sucker you thought I was. So all you've netted for your printing & bulk mailing investment(PRSRT STD U.S. POSTAGE PAID, FIA CARD SERVICES) is this online, PUBLIC CONSUMER ALERT and several scanned copies of your letter sent to Local and Federal Law enforcement agencies!

Chao - and Happy Phishing in the Jail-House toilet bowl.
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bargod on 01/11/2008:
You actually took the time to read an 8 page document that was oviously a scam? Thanks for the heads up though.
GothicSmurf on 01/11/2008:
BA Bargod!
Principissa on 01/11/2008:
Wow, that letter would have gone straight to the shredder. Thanks for the warning.
Anonymous on 01/11/2008:
FIA Card Services is quite real. They are part of Bank of America. But the web site 'fiacardservices' is not part of BofA.
Ponie on 01/11/2008:
'I'm not the gullible, illiterate, god & authority fearing sucker you thought I was.' Hmmmm. Seems you must be part of those adjectives because you took all the time to read it and then post this complaint. Whenever I get one of these 'official' looking envelopes, after opening and giving it a glance and seeing it has nothing to do with me, it's in the trash.
BHWANA on 01/22/2008:
Received the same letter today. Called FIA card services -- number on the official website. Lady I spoke to said the letter is LEGIT! UNBELIEVABLE!! New interest rate of close to 30%.......Told me to call earlier tomorrow -- 1-866-472-4142 for an explanation.....WHERE IS OUR GOVERNMENT? HELP
jefmil on 01/24/2008:
I received the same letter and called Bank of America about it. 1.800.732.9194, hit 0 to go directly to an operator.

BOA verified this letter is legit and the following address to opt out is legit:
FIA Card Services, N.A.
P.O. Box 15565, Wilmington, DE 19850
Robert on 09/20/2013:
We had a letter saying they were going to close our account and it looked a but fishy, we called the telephone banker but they said there is nothing noted and that it may be fraud or Phishing, then we went the bank and discovered it is a real bonafide letter from the closure department at "PO BOX 53113 in Phoenix, AZ 85072-3113" the address on the letter, so this is real, it is not phishing.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
They Could Not Care Less About You
Posted by on
Rating: 1/51
EL PASO, TEXAS -- Don't expect help from FIA Fidelity Card Services. You call in and you could speak to anyone in a call center somewhere. If the issue is not resolved, the person will not give you their name or call back number to contact them again. You start all over with the next person when you call back.

They claim they make notes on you file but they will not give you a reference number. If you ask them to e-mail the notes they will not do it. They claim they do not have telephones to get call backs.

Had to go through 5 persons who did not help. Had to explain the situation to 5 different people. If the notes in the file were good, I would not have had to do that. They said they had to transfer you to another department. Then when the transfer was "Attempted," they purposely disconnected you. When you ask for their name and number in the event you get disconnected, they will not give it to you. This is the way they get rid of you.
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CU on 07/26/2013:
What kind of card is this?
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FIA Card Service Ruining Credit And Furthering Economic Crisis
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I had 2 cards which I secured from Amtrust Bank. The service company was fia card service. I also hold some cards from bank of America. Ba sent me a balance transfer offer which I wanted to transfer my balance from the amtrust cards to, so I proceeded to call fia services for some info. I spoke to a rate specialist, as he calls himself. I told him my intentions of transferring balances to ba. Without my knowledge he pulled my credit, at least that is what he said, and shut all my credit limits down with ba. Then he proceeded to inform me that ba, is FIA Card Services as well, and American express as well.

This is not disclosed anywhere with ba, or Amex, or with FIA Card Services. There should be a law on full disclosure. I was conducting financial business, and they hijacked my credit limits, which in turn effects my FICO scores, and future planning. If I had not called them to pay off the cards, this would of never happened, and to me this is unscrupulous, fraudualent and unfair financial business practices. They have the power to ruin peoples credit, and not disclose what they are doing or whom they have a financial business relationship with.

I am a realtor for 30 years, and I have to disclose and have acknowledgements on any business affiliations whether it be financial or other wise to my clients. However these institutions that have the power to make or break your credit or fico, or lower limits, have no accountability? Tell me what is wrong with this picture, however these same people are who is responsible for the economic crisis, due to them approving you for these credit limits, and lulling you in to a false sense of security to transfer balances etc.... Then shutting it down on their paying clients who have not defaulted, to cover the losses they have already written off and got paid for from the stimulus and from us the tax payers whom are paying the freight on it all.

The law abiding person that makes their financial obligations is who is being punished and we will be paying for all that claim bankruptcy, and walk away. It is time Americal got angry, either that or lets all file bankruptcy instead of meeting our obligations, and walk away as most are doing right now. Hey, let the government pay our tab as well. Remember you will be credit worthy in 3 years, and not paying for everyone else that were living the high life.
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Anonymous on 08/23/2009:
This is exactly why when my credit union sold the credit card I had with them to FIA, I closed it down.
Anonymous on 08/23/2009:
They're pulling your leg.
pdwifi on 07/26/2013:
FIA = unethical.
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Fraudulent - Scam Artists Who Know They Can Destroy Your Credit For No Reason
Posted by on
WILMINGTON, DELAWARE -- This company is participating in a terrible and unjust practice. They follow accounts with high credit limits, but low balances. Therefore little pay off for them. In order to reduce their overall risk they claim to mail your credit card bill. But first they claim they sent you it electronically. Both cases were not true.

If you have a renewing old account such as AAA or something of that nature, and you simply forget the bill would be on that card You are in big trouble because now they've caught you in a death trap.

A. They will tell you they sent it electronically. (Totally not true. Second person said they did not have me set up for electronic payment.). B. They will tell you they mailed it. (Another Lie). I work from my home and gather my mail as soon as it is delivered. I can see the mail truck just as it gets to the box.

My credit has been spotless for 35 years. With the banking industry as unscrupulous as it is now, they are doing anything to eliminate potential losses. I called to complain I did not receive my and why the negative mark on an otherwise spotless credit history. Their comments were offensive, made me feel like a loser, and quickly reduced a 10 year excellent credit history with them when they were MBNA into a negative history, and reduced my credit limit from a hard earned $47,000 to $10,000 in a blink of an eye. By the way, the late payment that was overlooked as I NEVER received the bill was for $30.00. So for 3 months they tacked on $39.00 expense fees to a bill I didn't know existed. THIS IS ABSOLUTELY THE WORST CREDIT COMPANY I HAVE EVER DEALT WITH. I had absolutely perfect credit before they decided to destroy it. You know why they didn't mail the bill, because it gives them the excuse to reduce their credit risk, and nail you to the floor.

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madconsumer on 03/15/2009:
if you have revolving credit, you should know when the bills are due, without a paper bill.
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Credit Card Nightmare
Posted by on
LOS ANGELES, CALIFORNIA -- For 3 years I was a happy customer of an MBNA WorldPoints cash rebate credit card. On January 14, 2008 I received a notification from the credit card service company, FIA Card Services, that information from my FIA Card Services account had been compromised. I was advised that my credit card account would be closed and a new account # would be issued. I was also advised to keep watch for unauthorized charges.

That was the start of my problems. First, was the inconvenience of redoing all the charges automatically billed to the old number. Then, I noticed unauthorized charges coming through. I immediately notified FIA Card Services of the situation and was finally transferred after a number of different reps to "billing disputes." The representative there, after hearing my situation, treated me so rudely, that I called right back and closed the account.
In order to dispute the fraudulent charges, I had to fill out three separate forms and mailed them certified mail. Two of the charges were credited to my account, but I didn't hear about the third. Each time I called, I was assured that "I see we are still investigating the charge". Suddenly, on April 17, 2008 I received a letter saying the third disputed charge was going to be closed because I hadn't responded to some letter.

Infuriated, I called "Billing Disputes" and told them I hadn't received any correspondence other than the one telling me the dispute was being closed. Over the next few months, each time I called, I was told "Another letter is in the mail". This appears to be a stalling tactic, because when I called on July 1, I was told "the dispute has been closed, but I will reopen it and send you a new letter". When the letter never showed up, I called back again and got another rep, who after hearing the story, with all the documentation of the times I called, said that he was sorry, but couldn't do anything about the charge, and that it had been closed since April 17.

I would love to have entered an email address for FIA Services, but they don't give one on their website. Laughably, their cutting edge technology allows them to fax information.
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Slimjim on 07/16/2008:
I find it interesting they knew your account was compromised before you did. I wonder how exactly and if they informed you of where the breach of your personal information originated.
calliope on 07/20/2008:
The problem with disputes (even if they know there was a breach of information) is that they are required to be made in writing. So, you call up and open a dispute, and they send you an affadavit, so they can get it in writing.

Then they have to request information from the merchant (such as a signature slip) and give the merchant 30 days to respond to their request. Then when finally received by the merchant, this information is forwarded to the customer. The customer then reviews this information, and, in order to keep the dispute open, replies saying that the signature isn't theirs and they are still disputing the charge.

So, unfortunately, disputes are a lengthy process and often require multiple correspondances. It does seem that perhaps they lost some correspondance, or perhaps some was lost in the mail. You should still be able to put the purchase back into dispute, as frustrating as that may be.
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What is up with FIA card awful service?? Shame
Posted by on
CARY, NORTH CAROLINA -- What is up with FIA card services??? Where does the customer stand?? Is customer satisfaction on the agenda?? I have never ever received such an awful service. The website is not user-friendly at all and when you try to contact someone through e-mail, no e-mail address????? How is that possible? I have not seen one credit card provider with no e-mail address!!! What is the reason to hide??? Well, their phone service is worst that any other credit card company for sure. You claim it is a 24 hr service. Well obviously every time I call, your system is down and your rep tells me to call again. Fine, I call again, but I don’t need to listen to the music for over an hour. That is outrageous and after all no one can help me with my issue even the manager on duty. That is really really sad.

I have dealt with other credit card companies and never had this much issue over a short period of time. The assistances are there to assist and not to argue with the customer. FIA’s manager on duty was not going to do anything to make the customer happy, but argue and blaming the customer. I had closed that account 4 years ago and stupid enough re-activated it again and transferred balance.I didn’t know whom I was dealing with.I don’t think there is any one there to make a customer happy and make a loyal customer. It just amazes me that customer satisfaction is not even listed on the agenda to be a priority. I think this company is definitely ruing SunTrust Bank’s reputation. They need to learn customer service from Discover card and Citi banks.

the issue was that I didn't receive my 2nd bill and obviously there are a lot of other people that have had the same issue. Well, the FIA is blaming the post office and me for not being responsible.I am supposed to pay the late fee and the finance charge that has been kicked in because of this matter. The company is so cheap otherwise they would waive the $39.00 late fee to keep the customer around.They are going broke by saving money!!!!! They were arguing with me for almost 40 minutes.

All I can say, terrible service. Stop dealing with FIA CARDS SERVICED.They are far from customer satisfaction. There is no hope in this company and their service.

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MRM on 05/30/2007:
I would not depend on post office to mail my billing statements as they may get lost in the mail. I check my billing statements online to see when the payment is due and I also elected to get rid of paper statement to prevent identity theft.
grandma005 on 05/30/2007:
MBNA was bought out by Bank Of America. Try calling them and see if they own FIA card service.
rhondam718732 on 05/30/2007:
There needs to be a section on people complaining about getting late fees because they don't get their statements hand delivered to them via courier pigeon. Do you honestly not know that regardless of whether or not you get a still have to check your account due date and make payment on time? Have you considered how millions of poeple have probably called and said they wanted their late fee waived for not receiving their statement (when they actually did!), In this day and age if you are not checking your account online and relying on your good sense and not just a mailed paper statement then you are badly out of touch.
voiceoff on 07/23/2007:
WE used to get a full 30 days to pay and then some ( a grace period of another ten days). Now the statements are received a mere ten days before they are due ( clearly sent out late) and are late if they are paid one day later than they should be. I once called about this and was told the mail was slow and it takes them a long time to print the statements. Hello! Get a few extra printers. Some of it is the credit cards responsibility, but then they get rewarded for their errors in operation or planning.
guy2000java on 05/14/2008:
My experience with FIA Card services has been horrible since Bank of America bought this company from Wachovia. I believe these guys are out there to get you... stay away from them. I'm filing a formal compliant againt FIA or Bank of America!
sage34 on 07/11/2008:
FIA Cards services are their own entity there are no longer affliated with any bank. I just filed a complaint with the FTC regarding their business practices. DO NOT USE THEM> They were dishonest about a money advance APR and how it would be paid off. I have just cancelled my card and paid off the bill, but in the interim (less than a month) I was charged at least 150. fraudlently..As I said I have complained to the FTC you can do the same. Very easy process. If enough complain FIA can be fined and consumers rewarded for once!
Smalls on 12/22/2008:
I absolutely agree with the fact the FIA Card services is horrible. I have been a loyal customer and always pay my bill (in full), one time I had trouble with their website (payment due) when I called the next morning they couldn't care less. The attitude was pay the late fee and deal with it. I told her to cancel my card. There are plenty of other credit card companies that would be glad to have a customer that always pays the bill in full!
TellingTheTruth on 03/14/2009:
Similar experience. First person claimed they electronically sent my bill. Never received it. Second person the next night claimed they mailed me my bill. When I called to complain, guess what they ask you income then slash your credit limit. All this was over $30.00. I had a 10 year perfect credit record with them. They are terrible to the bone. They must be related to Madoff. May they rot in hell.
hapagirl on 06/24/2011:
Don't get FIA card for Bank of Hawaii! We lost our job and unemployment for 15 months. Call their work out specialist. They will not give out their phone number nor do it in writing. All verbal through the phone. I am short of $200 negative 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 whay should they help? Customer service suck!!!! I was never late 30 days, only late two times in 15 months of hardship by few days. They raise their interest rate to 29%. Rip OFF!
pdwifi on 07/26/2013:
FIA website is often down.
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FIA Card Services Unilaterally Reduces Credit when you open a Schwab Credit Card
Posted by on
Last week I opened a Charles Schwab Signature Visa Card (to get 2% back on all purchases!). Imagine my surprise when I discovered that Schwab's card servicer - FIA Card Services - which also services my local bank's VISA card, unilaterally reduced my local bank's card credit line by the amount of the Schwab Card.

I called both FIA Card Services and Schwab and raised h*ll, and I think I've got it straightened back out. It did not help that the idiot credit clerk at FIA didn't have a clue how (their) Equifax Credit Reporting system works. FIA Card Services needs to do a better job of training their credit department, and Schwab needs to do a better job of disclosing this questionable practice. BOTH of them almost lost me as a customer today.
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Anonymous on 08/27/2009:
If they'd let you get in over your head in debt, you'd probably be complaining about that, too.
LeapFrog on 08/27/2009:
Well, if that was a potential problem I'd be concerned.

But it is not.

Thanks for your comments.
MSCANTBEWRONG on 08/27/2009:
I'm glad you got your issue resolved. Hopefully it will stay that way!
PepperElf on 08/27/2009:
though since they're tied to the same company that might be an issue they'd think of.

they normally don't lower a limit unless
1) they have a specific reason to
2) you ask them too
LeapFrog on 08/27/2009:
Sorry, wrong.

The cluck at FIA told me that they'd lowered the credit limit because 'they want to limit their exposure'. Gee, you'd think that adding a new credit card to the portfolio would INCREASE the servicer's exposure, wouldn't you? Otherwise, why would anyone bother applying for an additional card?
LeapFrog on 08/27/2009:
Anyway, I think the cusp of the matter here is the lack of disclosure... if FIA / Schwab informed the consumer that their credit limts would be based on the total credit requested for a given person / household FOR THAT SERVICER, then I could live with that. But for Schwab to advertise a 'no limit' card while taking action that specifically limits the servicer's liability seems... disingenuous.
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Best Form of Organized Crime
Posted by on
Don't know I can put into words how crooked FIA Card Services practices are. Unfortunately, I have 3 cards that are serviced by this conglomerate. This is truly organized crime. Don't look to the government for help either. These banks do not deserve any bailout money but guess what--they'll keep getting our tax dollars and still have the audacity to unfairly raise our interest rates; no shame. Doesn't matter if it's a Democrat or Republican in the White House either. By the way, thanks Joe Biden for taking away my opportunity to give these credit card scammers what they deserve by filing for bankruptcy. Not that I condone that practice, however, I believe it was a way of keeping them in check. Now these credit card companies have the green light to do whatever disgusting, unfair tactics to reap huge profits knowing the consumers have no protection or recourse.
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