FIA Card Services - Page 2

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26 reviews & complaints.

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Horrible Service And Rate Abuse
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I have been a member of the card since 1976 and they thank me for being a "valued customer. I have auto payment to ensure no penalty.

Rate goes to 20% plus late payment of 39 for two months and rate goes to 27%.

The deduction obviously does not cover the new rate minimum payment they are impossible to deal; with and should be called on their abusive charges.

It is impossible to find a way to get their attention.

A tragedy and I urge us all to do something.

I am paying them off and they are losing a credit worthy veteran and senior person.
     
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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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saj80 on 2009-02-23:
Kudos to you for being proactive in trying to get this resolved. Unfortunately, credit card banks are more interested in getting taxpayer money then assisting those same taxpayers, many like yourself who are trying to be responsible with their finances.
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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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Awful product
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GREENVILLE, SOUTH CAROLINA -- I've been reading the reviews on FIA Card Services and I have to say that I agree with all. Their service is terrible. They jump to ratchet the prices as quickly as possible and they have little regard for the customer whatsoever.

I used the card for travel and general business. They continued to change rates and reduce the grace periods. I canceled and, because the payoff amount given was greater than actually owed, I will have to call in for a refund.

It is amazing that on Credit Balances, they will not provide any interest and yet on debit balances, the rates are as high as 29%.

Also, they will continue to reference their agreements that are sent almost quarterly, it seems. Reading those is impossible and, because the former agreement is probably not available, it is impossible to tell what is being changed anyway. One just knows that it is a change in their favor.

With declining markets, one would be wise to be very cautious.
     
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Customer Service
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Unbeknownst to me, my bank (SunTrust) sold their credit card services to FIA. Over a year ago, I called FIA and asked them to match an offer from Capital One. The person with whom I spoke was quite rude and informed me that the company was in business to make money. I have had this card since 1997. I transferred my balance to Capital One and paid off FIA. I have not charged anything on the card in over a year. I received a bill from this company in the mail yesterday indicating that I owed them money. I was horrified to realize that they had billed me for an annual fee on a card I had not used, and that the bill was now 60 days in arrears. I have spent twenty-five years trying to keep my credit perfect. When I called SunTrust to complain about this, the manager of the branch informed me that they had no control over FIA Card Services and were suing FIA to force them to remove the SunTrust logo from the card. She stated that FIA had refused to comply. She advised me to contact FIA and request that they remove the delinquency from my credit report in light of my payment record.

The "account manager" for FIA was typically arrogant and informed me that "that isn't the way credit works." I have paid the balance and closed the account. I would never have any dealings with this company in the future. It is evident that SunTrust has been very dissatisfied with FIA since they have instituted a lawsuit against them.
     
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sarahnkrystal on 2008-02-11:
Just because you paid off the balance doesn't mean you don't have an account with them. You should have closed the account when you paid off the balance. You agreed to the annual fee when you got the card, which is the fee for having it.
tnchuck100 on 2008-02-11:
sara is right. Paying the account off does not close the account. You must pro-actively close the account. And get confirming documentation.
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Predatory Lender
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GRAND RAPIDS, MICHIGAN -- Two years after opening a 9.9% APR credit card through Edward Jones, my husband and I found ourselves in financial difficulty due to severe illness. I thought that canceling most of our credit cards was a prudent thing to do given the circumstances. Immediately after canceling this card the interest rate shot up to over 25%. It was then that I discovered that MBNA was the actual lender and since they had nothing to lose, they upped the rate. I have been paying $150.00 per month on a 6,000 balance for two years now and have not reduced the balance at all.

If anyone has a suggestion on how to get this rate lowered or some institution that can intercede on my behalf, please post it here. There is simply no way to pay this down, given our situation.
     
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killerklown on 2008-01-05:
Perhaps you could take out a loan from your bank to pay off the credit card debt. I'm positive the interest at the bank would be less than over 25%.
KLPB on 2008-02-02:
Because you canceled your credit card, your credit rating went down. That's why your interest rate rose. Your credit rating is largely based on how much you owe compared to how much credit you have available. If you have $5,000 credit available from credit cards and owe $1,000 on your credit cards, you will be judged a much better credit risk than if you have no credit available from your credit cards and still owe $1,000 on your credit cards. Even if you are paying off maxed-out cards that are still active, your credit is better than owing on closed accounts, because more credit comes available as you pay down your balance. Your mistake was in canceling the accounts; you should have merely hidden or destroyed the cards and stopped using them for purchases. Closing any credit card account--whether you or the company closes it--makes you automatically suspect where credit ratings are concerned. Meanwhile, if you want to lower your balance and pay off your FIA card, start making payments that are much larger than the minimum amount due.
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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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chow on 2007-12-02:
I have been receiving many phising email from Wachovia trying to get me to disclose my personal details, every time I will forward the scam mails to their customer service department,hoping to put a stop on them.Seem like my actions is not making much progress because I continue to receive several of them every month, may be the mails are really coming out from Wachovia bank.
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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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ktididit on 2009-02-22:
My story is almost identical to the ones of the other commenters here. I have written via both email and snail mail to BOA warning them if they do not correct my account immediately with the timely, actually early, payments made since November, (which were NOT credited to my account), in excess of the minimum required, I shall consider their actions a crime and file with the SEC a complaint of embezzlement.
In my case, my bank makes the payments and proof of payment, WITH the funds taken out of my account, is easy.
I have a question of you folks who might know... BOA was purchased and developed by A. P. Giannini in 1928, the heyday of the Mafia. How accurate is the rumor that it was Mafia funding that enabled Giannini to establish BOA?
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