Credit Card Nightmare
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.