FIA Card Services - Page 2

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Credit Services
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Last week I received a letter notify me that FIA services was raising my interest rate from 7 to 14 percent. When I called they told me that my credit ratings were reviewed and found lacking. I checked the credit rating of the three scores the lowest was 725. Since I had the money to pay off a decent size charge, I did pay it off. Upon that occurring FIA Card services slashed my credit limit to $900 dollars. This seems to be an act of retaliation for my complaints and large pay off. When I called them I found that the operators are ignorant about anything that credit review section does. This isolates the credit review section from being approached via telephone. When I made several calls I found out that some of operators will tell you they do not have information when other operators actually did have the information requested. None of them could tell me the actual reason behind my supposed drop in my credit score.

In addition, I have not had this problem before and have had the card for over eighteen years.

The result is that I am paying off the card and will not use it again. If a large number of people would do this then FIA will not receive their life blood which in the interest and not the principle. There are other credit cards that will gladly help you pay off FIA credit card services and they may do it for less interest than you are presently paying

     
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No Help For Long Time Customers
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TUCSON, ARIZONA -- I have been a card member since 1999 with these people. I have never missed a payment. I have only been late on one payment. I just got laid off and asked for my payments to be reduced until I find a job and I got every single reason why it couldn't. These crack heads are getting their money either way. I didn't say I would stop paying my bill, I just didn't want to fall behind. NO HELP, NOT FOR LONG TERM NOT MISSED A PAYMENT CUSTOMERS!

FIA, you guys are the worst card company I have ever worked with. When I finish paying this card I will close it and NEVER USE YOU GUYS AGAIN. TILL THIS DAY I WILL NEVER USE THIS CARD AGAIN AND YOU WILL KNOW IT'S ME EVERY TIME YOU SEND A STATEMENT AND SEE NO TRANSACTIONS. LATE PAYMENT PEOPLE I KNOW GET BETTER SERVICE THAN YOUR LOYAL CUSTOMERS. YOU PEOPLE ARE HORRIBLE AND YOUR COMPANY IS GOING TO FAIL FOR NOT TAKING CARE OF YOUR GOOD CUSTOMERS. YOU REJECTS!!!

     
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Deceptive Practices
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NEW JERSEY -- FIA card services just recently raised the interest rates on credit cards by including a note at the bottom of a monthly statement that gave the cardholder an opportunity to opt out of getting the interest rate increased by 14% under the condition that the account will no longer be active.

When I called them to address the rise in interest rates they de facto stated that their underwriting guidelines were superseded by a note at the end of a monthly statement. My question to them was if the basis of credit worthiness is going to change so greatly wouldn't it have been more ethical to inform their customers more than once and possibly send out an additional notice either separate or enclosed in the statement to ensure that they were effectively communicating the change in underwriting policy. They had no answer.

I'm sure that I'm not the only one to whom this has happened. The practice was deceptive and unethical. I consider FIA to be exceedingly unscrupulous. I urge anyone who reads this note to contact their local representative to bring this to their attention. The worse part is that FIA is the arms length servicer for most of the larger banks in the country, who just happened to be bailed out by our tax dollars. The collusion is ridiculous. FIA has to be held accountable. If you've seen a drastic increase in your rates call and complain to everyone who will listen.

     
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Unfair Practices
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BELLEVUE, WASHINGTON -- My credit score is over 700. I make card payments online either on or before the due date. However, even at 8AM my payments to FIA aren't 'accepted' until 24 hours later. Something about " not being enough time for them to process the payment" . ?!?!?! It's not a problem for any other card service. So twice they marked my payments as being late - which they weren't - and then used that as an excuse to raise my interest rate to a usurious one.

I have since closed the account and will tell everyone I know NOT to use them.

     
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Credit Card Nightmare
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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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FIA Card Services for Wachovia
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FIA Card Services - These guys are the lowest of the low for credit card companies. They are doing whatever they can to ramp the rates up to the highest and get you to default. Here is the story - I have a great relationship with my bank, Wachovia. I was offered a prime for life card which I accepted. Then Wachovia handed over credit card servicing to FIA. It was down hill from there. First, they changed the rate and could not give me any other reason other than they have the right to do so. I was so frustrated, we paid off the cards and opened up cards at another bank. That was a year or two ago. About two months ago, we received a promotion for a 1.49% promotional rate good through next year on transfer amounts. I am all for cheap rates so I moved some charges over. On the FIRST bill, they moved the due date up 5 days. I handle everything electronically so missed this and they racked the rate from 1.49 to 22.49 %. I called the day after the statement closed and the original payment would have been due.

They changed the rate back to the original promotional rate after I spoke to 3 people, a supervisor and called back 3 days later so they could ensure my electronic pmt cleared. When speaking with them today, they mentioned that my original 7% rate that had moved with the times to 12.49% was now going to be 22.49% next year when the promotional rate goes off. Again no reason since I have had not change in credit at all. They also told me they had not only changed my payment date but shortened my grace cycle from 30 to 20 days.

DO NOT GO WITH FIA. THEY DO NOT WORK WITH INTEGRITY.

     
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Disinheriting FIA Card Services
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My credit card company was sold to MBNA, so my card inherited FIA Card Services. Recently, I was penalized for not making a payment, even though I had sent a check and my bank had deducted the money from my account within the deadline. When I called to straighted it out -- and I have given information to at least 13 different people now -- everyone has asked that I provide different information, including information that they should know is not possible. For instance, almost half have asked for copies of the cancelled check, even though at least one customer representative stated that they are aware that the company does not process checks, but requests electronic transfers from the banks the check are written on.

One requested information that was specific to MasterCard even though I had a Visa. They have no case numbers, so that the inevitable new customer representative cannot pick up the thread of the problem. You must start fresh with each. When people in the research department sends you letters requesting information, they represent themselves as customer representatives, with the customer representative department 800 number and PO Box. When you call, you get a fresh customer representative. When the rep calls up your account, they can see that someone in the research department has sent a letter, but they cannot access it, so they cannot answer questions about the letter. I was told by a supervisor, after numerous unsuccessful attempts by multiple customer representatives to forward me to one of the letter writers, that company policy prohibited direct contact.

Apparently none of the front-line representatives knew that. The customer representatives also do not stay on the line long enough to make sure the forwarded call has gone through, which has meant a lot of call backs. One manager told me that it was against company policy for her to email me anything without having it cleared by a lawyer first (and I was just asking her to email me what she had requested over the phone that I send her). That have repeatedly asked me to obtain more and more new information, as they dig down deeper into the problem, that they know I must go to my bank to get, rather than directly contact my bank themselves.

Remember, my bank says that it took the money out of my account sent it to FIA, so the presumption is that it's in FIA somewhere. Bottom line, I have obtained another credit card with another company -- at a very low rate, I might add. In my opinion, FIA has significant internal system problems. It would do well to buy a Mac and dial up Apple support to see how well customer support can be done.

     
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Worst Credit Card Company
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Had a horrible experience with this company- this is definitely the worst credit card company I have ever used. Of coarse I didn't know that I was using it, since I signed up for Suntrust and not FIA card services. I never received my statement, so I tried to track down Suntrust to get my statement. After trying numerous times to try to sign up online and to call, I was told I did not exist in the system anymore. I finally found out a week later that I was possibly sold to FIA card. I wasn't happy that no one made me aware of this, since my brand new credit card says Suntrust on it, and I never received a letter informing of the change. Also, I find it weird that Suntrust told me my new credit card and statements should not say Suntrust on it.

I then called and told FIA card services of what happened, and after incredibly bad customer service, or if you can even call it customer service, I was told I had a week to pay my credit card bill. I was finally happy they gave me a week to pay it, since it wasn't even my fault in the first place.

However, that didn't seem to be the case. Now my credit card has a late fee on it, when I paid it 3 days earlier of the date I was told I had to pay it. I called them again, arguing the late fee, and he almost hung up on me, saying well I had to pay it by a certain date. I told him of the representative I talked to and how she said I had another week to pay it. He then realized I had been flagged and that the late fee should be waived. I asked when it would be fixed. He told me I don't know. I asked again, if he could at least give me a ballpark time, so that I know it will really actually happen, since I am not even getting my statements in the mail. He repeated condescendingly to me, "I..... DON'T.....KNOW". I am going to talk to a manager next to see if I am ever going to get this fixed.

If there was ever a shady credit card company, this is it. I have had many other credit cards, and all I can say, is run far away from this company! And if you get sold into it, get out!

     
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Service
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BEAUTIFUL BELLEVUE, IOWA -- I HAVE HAD NOTHING BUT GREAT SERVICE FROM THIS CARD COMPANY. EVERYTHING HAS BEEN TAKEN CARE OF WITH THE GREATEST COURTESY AND SERVICE.

THANKS FOR EVERYTHING

     
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Unfair Credit Practices
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ATLANTA, GEORGIA -- Please do no business with this company. They hike rates at no warning and, delay responses, tell you one thing and do another. I am in a situation with them for several months and they will not document anything except what they make up after telling you something else. Amazingly awful customer service.

Please do file a complaint against them @ ftc. Gov.

     
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