MBNA

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I USED TO WORK AT MBNA
Posted by on
I used to be employed with MBNA back in 2005. I was in their elite sales team counter offer. Basically our job was to sell as much as possible, as fast as possible, and if we were good enough, smart enough, sneaky enough, we wouldn't have to do it all legally. CRC regulations said that we were able to do . this, this and that. MBNA pretended to care, pretended that we were all be listened too, pretended that if we didn't do exactly what the law required there would be swift punishment. Well, that didn't happen. You see we used to sell insurance as well as loans. We had a bunch of really good sellers on the team, one guy in particular used to sell 10-20 p3's a day (that's what we used to call them) I remember everyone wanted to know how the hell the top sellers sold their stuff, what did they say? what did they do? You'd think the entire management team would call a meeting and go over EXACTLY what was done, exactly what was said, no. Never happened, because it was illegal. Things that were not mentioned, say specific fees or charges for a loan or particular insurance were not mentioned to the customer. Perhaps the customer was listening, but the sales rep was speaking too fast, or just as the IMPORTANT parts came up, he would hold down mute for a fraction of a second. Everything was monitured, but they couldn't tell when you had MUTE pressed down. There were a lot of tricks, a lot of lies. People would complain EVERYDAY that they paid ONTIME. MBNA were very very smart, never told anyone it took 2-5 business days to get the money, and MBNA made damn sure it took 5 days to process ANYTHING. They wanted everyone to default on their payments, everyone to pay higher interest. I know for a certain fact that MBNA would not correct their phone list if a person had moved, I know for a fact that people were called every week, every day for months, for years even. I know that deceased customers would still get calls. Their widows answering the phone for the 35th time and telling us that their husband died. MBNA was ruthless. And did they reward you for all the hard work? no! they gave us chocolate bars for more energy. They'd demand overtime, overtime overtime. Why aren't you working this Saturday? I got a family...? DOESN'T MATTER! NO FAMILIES, NO OBLIGATIONS, !

They didn't want you to leave. I think one of the worst things MBNA did was sell to people who really didn't speak enlish that well. We were all forced to bully our way through sales, even if the person didn't understand what you were saying, just keep pounding away and they'll eventually fold, and take the money. Directors Club. What a joke.

This was MBNA's "idea" to reward top sellers, problem was, the 'leads' or 'call lists' that the top sellers would use would be shared by the lower of the sales groups. It tainted the pool, so when 'some' of the elite sellers would be asked to go on 'inbound' calls, they had the clear advantage. Their time on a separate lead system was not compensated for, nothing was done. People were crushed in a day, in a few days when their rivals would go on 'incoming'

In my opinion, MBNA is the worst financial instituition I have ever worked at. Thank god for HSBC. And one last thing about MBNA that was idiotic, the men had to wear a STRICT dress code, pants, tie, you got the idea, the women? anything they DAMNED WANT! Low cut shirts, I mean so low it was RIDICULOUS, I thought half the women were going to the club on their lunch breaks, oh god how pathetic MBNA was.

I am so glad I left.

ps. never work, never deal, never talk to MBNA, because more than likely you are getting SCREWED!
     
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CjCinColorado on 03/16/2006:
I'd much rather deal with MBNA than the skunks at HSBC!
HSBC is 'Household Finance' now renamed.
HSBC bought Beneficial Finance.
Beneficial is still OK BUT you have to watch them.
Knowing they're all REALLY under the old umbrella of Household Finance Corp. makes me not trust them.
Both companies,HSBC and Beneficial regularly don't send the monthly bills. They penalize monetarily for paying bills too early too.
Household or HSBC just isn't to be trusted.
squeekie on 03/16/2006:
Beneficial/HSBC does suck. my husband has a loan through them. they immediately tacked on the 3k in interest so it brought the loan up to 8k and now it looks like the loan is over drawn. we have it down to a more sain amount now. but then HSBC called and wanted to give us a home equity line of credit, at get this 12.75 %. I don't think so. we could get it through our bank or mortgage co for half that amount.
wary-consumer on 03/16/2006:
Thanks for the insiders look into MBNA's practices. I'd think MBNA knows about the tricks that sales reps use the trick customers but don't want to do anthing to prevent it because it will hurt their profits. I bet they just turn a blind eye unless it is blatently obvious.
JG3_Dragon on 04/29/2006:
MBNA does horrible Business practices. I have a post on this site, explains what I had happen. It wasn't the debt, it was minimal to the US debt poll. It was their sneeky way of percentage rate increases to good customers. I did not have a great customer treatment in the end. Remember 6 years with this Company. There is a reason for that...but then to see me dump them and never look back. You know the reason now...only one it could be...mistreatment. I do see now why I am not one of the Richest Company's on the planet.
I couldn't do this to people.
At least I am free of their actions today.
Thanks,
TT
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STAY AWAY FROM MBNA
Posted by on
I have been a customer card holder with MBNA since 2001. I have never defaulted on a payment or neglected to pay off a balance in full. I increased my credit limit from 10,000 to 15,000 last year. I chose not to use my card until I had a need to use it which I believe is my own prerogative. I called in just the other day to order cheques and I was informed that my available credit was decreased without any notification to myself (meaning no phone call, no letter and no e-mail to myself informing me that I was being penalized). This company decreased my available credit of $15,000 which I worked so long and hard to qualify for and obtain all the way down to $400. I was told that they had to decreases my available credit limit because that I was not using my card and they had to minimize their risks just in case anything security-wise would have happened. I was shocked that I was treated like this and was unable to do anything about it. They also told me that I would now have to re-apply for another increase in credit which we all know would affect my credit rating once again because anytime you request a credit increase, it goes against your credit score. People, can you imagine if I was at a business luncheon and the meal was over $400, how embarrassing that would be for me to not know that the card that I was holding now only had $400 worth of credit available instead of $15,000! What a fool I would look like not even having money to pay for a business luncheon. I have now cancelled my card with them and I have now told everyone that I come into contact with that this MBNA company is the absolute worse company that you can deal with regarding anything. Their customer service is horrible and their ethics and controlling manipulating ways really gives banks a bad name. STAY AWAY FROM THIS COMPANY as you will become a victim!
     
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Anonymous on 05/28/2009:
.....and your tax dollars bailed them out.
Anonymous on 05/28/2009:
Victim? You're not out a penny of your own money. They reduced a credit line that wasn't being used on a card that wasn't being used. The credit line is their liability, and it's their right to reduce it, just like it's a customer's right to go somewhere else.
Slimjim on 05/28/2009:
MBNA is now Bank of America. In regards to warning future applicants, I don't think that will be an issue with any credit card lender right now. The days of obtaining large credit lines are over aside from an elite few. The rest won't be getting an aggressive limit to be reduced in the future.
CaptainSpaulding on 05/28/2009:
Slimjim: You are correct, however Bank of America is using the name "FIA Card Services" for all former MBNA credit card accounts.
voiceoff on 01/04/2010:
They should have let you know but yes that is their right. However why should your score, based on YOUR actions and creditworthiness, not their sudden reduction without cause, be damaged, if they changed the rules of the game in the middle?
Every thing is score driven and your reputation was ruined by being a nice person who does not have a huge balance.SHAME ON THEM!
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3 Months Interest On One Late Payment!
Posted by on
I held my credit card with the Bank of Scotland for around nine years with no problems at all until the company was taken over last year by MBNA. Until recently I paid off the full amount every month but while busy caring for my dying mother I made two payments that were a few days late. I accepted the fault was my own and expected to be charged interest on these amounts, which I immediately paid.

However, today I received another statement with interest charged. When I phoned to query this I was told that MBNA charge interest and CONTINUE TO CHARGE INTEREST until an account has been 'in the clear' for a further TWO MONTHS after the original late payment! I have so far been charged £59 for having sent in full payment a week late.

When I then asked to have a full statement sent to me so that I could close my account I was told that a) this was 'impossible' to do until the statement's normal due date, and b) this statement would show a further interest charge as I was to be penalized for yet another month for the same late payment.

MBNA insist that what they are doing is absolutely legal and not 'dishonest' because customers are warned of this. Not on their statements, they aren't! It's quite possible that this may be mentioned on some other list of 'rules' sent out separately and only once, but I think it very unlikely that people who make a habit of paying off their card every month feel the need to dig out the rules as bedtime reading on a regular basis. In fact, if this practice is legal, it is certainly not moral and amounts to charging an interest rate that far exceeds the one they advertise.

I really would recommend that anyone who normally pays their card in full every month be made aware of this as it only takes the merest slip to send a single late payment and then find you are being penalized with 3 months' interest instead of one.
     
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DO NOT deal with this company
Posted by on
A very long story made short, I put in a new driveway this year, and I paid for it with a credit card I expected to pay off with a tax refund in February. I went on line and researched 0% cards so I could balance transfer from my well loved credit card and finance the drive for nothing: I found a 0% offer from MBNA. When I called them, I specifically asked if there was a fee. The answer was no. A month later when I got the bill, there was a $225 3% percent of the balance transfer fee on the bill. I called. I was cut off. I called I was transferred around. I was cut off. This went on for fifteen minutes until I got a manager. I told them what happened, we agreed to a $50 fine. I was told the info about the 3% was on the back of the paperwork. I told him I didn't HAVE paperwork and when I did get AFTER I agreed to the balance transfer over the phone, it was written so small I had to hunt for it to see it.
Then, I set the account up for automatic paymments. What did they do? They raised the minimum payment by $58 WITHOUT notifying me, so when the payment I made was short, I not only got socked with a late fee, they took my 0% from me AND a $47.00 finance charge. I called five times, was treated like a criminal, and finally, I went from nice to nasty and got one girl to agree to give me back the 0%, and remove the finance charge. I didn't trust them, so I removed the automatic payments option. A month later, the finance charge was still there. I pulled out my trusted ten year old card, the one I had used to buy the drive in the first place, called them, and they offered me 4% with a flat $75.00 balance transfer fee. I arranged to have the whole balance placed back on the card, minus the $47.00 I didn't feel I owed MBNA. I called MBNA again, before the balance transfer went through, I called four more times to get the finance charge removed. When they did, the transfer went through, the balance was zero, I closed the card. What did they do yesterday? They pulled the automatic payment out of my account (you know, the one I SHUT OFF) and made a payment on a closed account. I just called them again five minutes ago and got the "I'm sorries." I said, "Raising my miniumum payment when I haven't made a charge is illegal. Taking money out of my account when I haven't authorized it is stealing, and accepting a payment on a closed account just proves how incompetent your company is. This has been a nightmare." She apologized, and I repeatedly apologized to her, as a human...but MBNA is awful, just awful. What would have happened if they overdrew my account??? My money is being mailed back to me within 7-10 and I have no doubt I will have to call them about it. Does anyone out there know if my bank can stop automatic payments from their end? I'm worried about next month.
     
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tnchuck100 on 12/24/2006:
If you had checked this site first you would have seen MBNA is never to be trusted. Hind-sight is 20/20. However, your post may save some other poor soul from being victimized by them.

Work with your bank. They should be able to recover any monies MBNA took. Next point: NEVER let any company auto-debit your bank account.
tnchuck100 on 12/24/2006:
Please tell me this is the same reoprt you filed on 7/25/2006. I would hate to think you allowed yourself to be taken by MBNA a second time.
Bababooey on 12/24/2006:

I said it before, and I'll say it again...

MBNA no longer exists. It was taken over by Bank of America last summer, and now operates under the name "FIA Card Services".

Any problem you had with MBNA should now be directed at Bank of America, dba FIA Card Services.
SherryH on 12/24/2006:
No...the 7/25 incident is the first part of this post, the rest is a continuation of the events to this morning...and yes, I was stupid enough to think it was an isolated incident and just a rough start with them, and I didn't want to transfer the balance again. I wrote that review to tell people to be careful about balance transfers. This one is written to tell people to stay the heck away from them, period. I am now, I hope, completely finished with them. My card (now in little pieces) says MBNA, the website, www.mbna.com, takes you to Bank of America. This is why I identified it as MBNA.
HaroldSays on 12/24/2006:
There is a form that you can file with your bank to dispute charges taken out of your account. There is no charge for this service. You can file that and within about 5 days the bank will return the money to your account if your dispute is valid.
Anonymous on 12/24/2006:
SherryH I can't add anything to the advice others have given so I will just say you did great and I'm glad you got away from them. I know it's a hard lesson to learn but you did, GOOD FOR YOU! That is called "Acquiring wisdom". Most banks and credit card companies do this kind of thing because most people let them and no one really regulates them. Just makes you wonder who the criminals really are? Marry Christmas to you and yours!
Shakra on 12/24/2006:
A transferrence of monies from one credit card to another usually does result in a percentage being added on. That is because the credit you had from one the original credit card is considered a "loan" instead of credit on the second. It used to be 2%. Guess they've raised it. That's why it is never a good idea to transfer balances from one credit card to another.
TWolf on 03/02/2007:
BofA, who is a part of FIA card services, provides some of the most horrendous service I have ever known. I do not know of one individual who is thrilled with the service they receive. Unfortunately, FIA card services is a huge company and it can be difficult to find credit cards that are not through the organization, but they are out there. When you read the fine print when researching your card, be sure to look and see if they are a part of FIA. Otherwise, just call them. Trust me, you will immediately notice the low quality when dealing with the sales team.
leftcoaster on 04/14/2009:
As other commenters have noted, FIA Card Services is just the old, fraudulent MBNA, now owned by Bank of America, which, in turn, is the renamed old NationsBank of North Carolina, not the fine institution founded by A.P. Gianini in San Francisco in the early 1900s. MBNA was infamous in the 1970s and later for goading college students into applying for credit cards, even though they might not have had steady jobs or the means to pay the bills. They never did change their sleazy practices, as far as I know. I stopped using all my MBNA/FIA-issued cards over a year ago and have let the accounts lapse, including those issued under my credit union's brand name. (The credit union used to issue and manage its own credit/debit cards. I was sorry to see them get involved with these pirates, and my fears were borne out in full.)
hopper14 on 08/18/2009:
I am glad I am not alone. I did a balance transfer and it put me over the edge in debt.
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Be very careful when doing balance transfers!
Posted by on
AKRON, OHIO -- I called MBNA to take them up on their 0% for a year credit card balance transfer deal. My credit card currently sits at 9% (not bad, but 0% is better when we're talking $6000.

During the application process, I spoke with Michelle and I asked her how many balance transfers I could do on this card. She told me they were unlimited. I asked if there were any fees involved, and she told me, "It's a zero card, no charges for a year." So far, so good. I balance transferred the amount charged to do waterproofing to my basement and then told her I would be balance transferring $2,300 more for the balance on the driveway reconstruction in a few weeks. Do you know what this idiot did? She balance transferred the payoff to my old credit card (good) AND sent them $2,300 more. So now, I have a $2,300 credit on my old card.

Long story short, I called MBNA. The girl was at a lost to explain it or to do anything about it. I called my old credit card company and explained to them what happened. They said they could send me a check for the over pay amount in 10-14 days. Meanwhile, MBNA charged me $222.00 for the balance transfer.

Looking at the small print on the paperwork that then came with my card, written information I didn't have BEFORE I did the balance transfer, they charge 3% of the balance tranfer in fees, you know, the fees I asked about? Furthermore, the way it is written in the paperwork makes it sound like this is what I will be charged AFTER the year is up, not before.

So, I called MBNA again, explained to Rep what happened. She transferred me to another department. They said I had been transferred to the wrong department and that I need to speak to a manager. I was transferred again. Then, an automated voice said, "We are unable to transfer you at this time. You are exiting the system." By this time, I'm not upset, I'm not confused. I'm angry. I called again, was put on hold for ten minutes before I talked to a nice human being. I asked for the manager as I was told to do. He asked if he could resolve the problem before "bothering the manager" with it. I'm thinking, "Isn't his job to be BOTHERED with customers?" I remained calm and nice. I explained to him what happened, that I've been lied to about fees, my account has been screwed up by $2,300, I have been transferred, cut off and put on hold. To this, I added, "I will pay you every penny I owe you, but I will not pay a balance transfer fee. I asked questions about fees. Michelle screwed up. If I knew it was going to cost anything to do this, I wouldn't have agreed to it. So, no offense, you won't be getting this money from me."

He was very nice, he put me on hold, he spoke to someone and said, "Since we sent the money you were going to balance transfer to your old card, charge the balance on your driveway to THAT card. The money credited on that card we sent should cover your new charges. We will cut the transfer fee to $100. I said, "How about $50?" I agreed to this because I AM using their money interest free for a year, and because I figured he would agree to it. He did. He sincerely apologized and that settled it.

I learned to make sure to ask the right questions-asking about fees was too vague for the idiot I first talked to. I needed to ask about balance transfer fees. Two, I should have just asked her about allowing an additional balance transfer and not mentioned the amount.

Be careful when doing balance transfers. I have good credit, so I get 0% offered EVERY DAY in the mail. If you look at this information, which I took another look at, it doesn't mention anything about a 3% interest charge on BT's. If you use the 1-800 on these papers, be very specific in what questions you ask and get them to clearly explain the answers. I just trusted them to do the right thing and that was my mistake.
     
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Doc J on 07/25/2006:
SherryH-"Zero-percent" and "no-fee" balance transfers are offered by CC issuers because they know that, over the lifetime of the indebtedness, the debtor is predicted to make "late payments" or incur "over-limit" charges resulting in punitive fees and interest hikes. "0-percent" and "no-fee" transfers (even if the creditor gets it right at the time of transfer) are only a time delay fuse on a financial IED. Perhaps you either own, or are buying, your home. Perhaps you're already "maxed out" on your borrowing ability (not a bash...just typical for most) or you would have been moving these debts to a home equity loan through your credit union or LOCAL bank. You're less likely to encounter abuse from a banker who's willing to look you in the eye. Additionally, you're more likely to get "mercy" in the event of a financial setback from a member of your community than you are from a mega-corp CC issuer. Most likely, you wrongly believe you can "beat" the CC issuer at his game. It's not only middle and low income folks who fall for this well-laid trap. A well-paid colleague approached me once for a "little loan". He was hitting up anyone he perceived to have "cash at hand". Why was he doing this? He had $230,000 in unsecured debt that he had been "swinging from credit card (vine-to-vine) to credit card" like Tarzan...taking advantage of "O-percent" and "no-fee" transfer offers. He had run out of vines! Now, according to the CC issuers holding his last vines, his "level of indebtedness" triggered a 23.9 percent interest rate and every card followed suit. Again, he was a well-paid professional. Do the math. He had no way to meet his payments. He missed a few. As a result, he lost everything at age 62 and will die penniless. His fault. Yep. I pray you'll visit with your banker today. You sound nice...and I see bad things coming your way. Yes, I know, "it'll never happen to me". Sherry, you just stepped into a frying pan and lit the fire under it. I wish you well.
SherryH on 07/25/2006:
Hey Doc, Nope...no other credit debt than this one big $6,000 balance. I will be able to pay it off by October. I've done this before and am pretty careful about it, and, until now, I have never had a problem doing this . I'm never late, I don't charge on the card once I transfer a big balance on it. On smaller purchases, if I do use a card, I pay it off when the bill comes. I would LOVE to go to my credit union or bank to get a loan. Unfortunately, I haven't been in my house long enough for anyone to help me. Not enough equity in the house. Five years seems to be the magic number. I'm in year four. Believe me, when making larger home improvements, it would be lovely to do this! I think, though, considering what you said, I will refrain from using credit cards in the manner. While I like the convenience of a credit card and there is some buyer protection should anything go wrong, from now on, I'm relegating myself to paying cash. Thank you so much for the excellent advice.
Doc J on 07/25/2006:
As encouragement to folks in the same position as SherryH, I suggest you speak with your local bank before using a credit card balance transfer. In this case, $6000 is not a huge sum and a good number of locally owned banks (provided you have a history with them) will write an unsecured note (in this case for 90 days) to those with good credit and an adequate income who are sincerely seeking to ditch their credit cards for good. While SherryH may squeak by (I really hope so), at least ten others won't be so fortunate. I comment on the behalf of those ten. Credit cards destroy lives. Most who say they pay the balance monthly are lying (no accusation SherryH...really!). The average American has $8000 in credit card debt. But, some folks are 'getting it'...more people are paying down their cards. Capital One recently posted losses because their income shrank as a result of fewer collected late fees and over-limit fees. Go Americans!!!
Doc J on 07/25/2006:
Correction-typing too fast. Cap-One didn't post a loss, they lost ground. So, we still have much to do!
dave1660 on 08/07/2006:
I had a very similar problem with MBNA Bank. My offer started with a letter from Fidelity Investments about a card issued through MBNA. I thought 0% for 1 year would be good to pay off the wife's credit card. The offer had 0% in 3 places in big bold letters. Long story short, when the first statement came, there was a ridiculous 20 something percent interest rate on it. Glad I saved the offer letter. I reread it 3 times before I found the 3 % transfer fee buried on the back of the letter. I sell insurance so I know small print. Needless to say I wasn't going to pay them the 160.00 fee. I called customer service and voiced my complaint. It was agreed that if the transfer was sent back , and I closed this card they would waive the fee. That was in April. I sent back their money. Still getting billed for the fee plus late fees( they will never get it) I talked to
several idiots along the way, and they insist I owe the fee. I have sent 2 letters to the Ohio Attorney General. The advertising was completely misleading. The great thing was that I did e-mail a Mr. Jeffrey R. Carney president of Fidelity Personal Investments and let them know about this situation. It cost them 40+ thousand when I moved the acct out of Fidelity. Why I am posting here? I would like to find people who have responded to similar unsolicited mailers to form a class to sue these guys from
MBNA. If my insurance agency sold insurance like these yahoos solicit for credit cards I would have been put in jail years ago
SherryH on 08/15/2006:
After reading your post, I examined subsequent letters I have gotten for a 0% balance transfer (the idiots keep sending me more offers although I owe them money on a current card-waste of paper!). As you said, anyone would believe it's 0% from looking at the letter. On the back, in small letters, it briefly mentions the 3% charge. I cannot wait to get this card and from now on, I am going to try to pay cash.
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Closed account
Posted by on
WILMINGTON, DELAWARE -- When I called to ask why my monthly payment went up almost $70.00 a month, they forwarded me to the lending dept. The lender reviewed my account (no late or missed payments, EVER!), he arbitrarily closed my account. Below is my response to their letter telling me about my account:

Joan XXXX


6/3/06

Acct: XXXXXXXXX

Mr. Scott Beech
MBNA America
PO Box 15646
Wilmington, DE 19850-5646


Dear Mr. Beech,

I received your letter today regarding your decision on my account. That decision is very upsetting to me, but what’s worse is your total lack of consideration and your attitude on the phone the other day, (if it was you. If not, you have rude lenders who talk to your “loyal customers”.)

I don’t want my account reinstated, but I do want your time for a few minutes. I am a college grad, and I was gainfully employed for 25 years. On May 30, 2005, I was a passenger in a car, which was hit by a drunk driver. I and my other 2 friends were sober, (a conscious decision we made as members of MADD), and the drunk driver was 3 times the legal limit, driving the wrong way on the interstate, resulting in a head on collision.

Her actions resulted in my friend’s, (the driver), immediate death. My injuries were life threatening when they cut me out of the car, (which caught fire), and I was rushed to the hospital. Following 4 surgeries, (with 3 more to come throughout 2005 and into 2006), I spent 2 weeks in intensive care. I then spent another 5 months in a hospital bed in my home, with round the clock care, and in a wheelchair, having to be fed, and using a bed pan. I lost my job and my group benefits. My non-group Blue Cross policy, which I established after I lost my job), went up from $189.00 p/month to $304.00 p/month, following my accident. And none of those charges went on my MBNA credit card. So where do you get off judging me and making assumptions about how I use my credit card????

Now, I am permanently disabled, (no more dancing for me, or going to the gym, or working in my garden like I’ve always done). I am currently working with an attorney to obtain disability benefits, which I paid into for 25 years, as a healthy, tax paying American. (It takes anywhere from 12 – 18 months to get approved. Yet another corporate cluster of nonsense!) Since the drunk driver had no car insurance, I was left with co-pays and deductibles in the thousands of dollars, none of which went on your credit card either). My husband couldn’t handle the situation, and he moved to Florida. (nice, huh? Men!) But I am so lucky to have had friends and family to help me out.

Why am I telling you all this? It’s because you, (or the unidentified lender that I spoke with), talked down to me like I was pond scum. He lectured me about “living on credit”, as if I were a child. I wish to remind you that through this whole, horrible ordeal, my injuries, despair and depression, I never once missed a payment, nor was I ever late with one. For 6 years, I was a good customer, with a great credit rating. You have ruined that for me now, and I wanted you to know that.

Mr. Beech, I hope that nothing like this ever happens to you or your family by the grace of God, and that you are never treated with the rudeness and disrespect with which I was treated by the lender, (or was it you?), at MBNA.

When you die and go to heaven, I don’t think that God is going to rate you as a human being based upon how many people you screwed with your decisions, or how high up you got on the corporate ladder, or how much money you made for your company and yourself.


May God Bless You, and give you a little compassion and help with your people skills.
Thanks for your time, and always remember that you can’t possibly understand a person’s situation until you have walked in their shoes.

Joan Keen, Your once “loyal customer” (your words, not mine!)
     
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Doc J on 06/03/2006:
For those out there who disbelieve that CC issuers are the spawn of Satan. Read this post again. The poster has my most sincere sympathy and prayers.
glc on 06/03/2006:
Joan: My sincere condolences on the loss of your friend. Life has thrown you some heavy-duty curves, but it sounds like you are strong enough to deal with them. In fact, you sound like an inspiration to all of us. God bless you, Joan and to hell with MBNA.
Anonymous on 06/04/2006:
Joan: Also, My sincere condolences on the loss of your friend. I do believe there is a reason for everything and in the end the truth will be told. God bless and ease you soul
Anonymous on 06/04/2006:
I don't want to be inconsiderate but did you miss the minimum payment, one time anybody does this, will get a doubled payment and/or subjected to review. A result of that new credit law. Also I think injuries benefits go from short term | long term | then SS diasb. Since you lost your benefit, you go straight to SS disab, which your atty is taking his time, should go through a Disabilty Atty. Good luck!
Alida on 09/18/2006:
Dear Joan,
I had similar situation back in the 80's, but didn't lose a friend or end up with debilitating life injuries. God Bless you and your friends, and sorry about your loss.

It may be that they closed your account because you didn't make the minimum payment on some ambulance bill, or some other thing that shows up on your credit report. Sears did that to me, and I never in all my years missed a single payment to them.

I posted my concerns all ready concerning my MBNA experience after being a great customer with two cards (they keep buying up all the little guys I had cards with) for 11 years.

They are rude, switch you to person, after person and dept after dept. You never get the same person twice, and half the time will only give you a first name (probably not their real name anyway).

They seem to not adhere to any of the credit card regulations or federal laws. I guess they get away with it until someone rats them out to the proper dept, .

STay STrong, and keep up with the good attitude in life, despite what life throws your way.

God Bless,

Alida
Kansasfan on 09/23/2006:
Not likely that Joan missed any payments, as I had a similar run in with a rude MBNA agent and a follow up letter from Scott Beech.

7 years and had never been late, or over limit on ANY of my accounts and have an excellent credit report to boot , and my rates changed from 18% to 25% on my balance.

When I called to inquire about the increase and ask that it be reduced, the agent (did I mention she was rude?) got into a huff and told me she was closing my account.

If they think for one moment I'm paying 25%, they are severely mistaken.




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MBNA Credit Card - Customer Service
Posted by on
Rating: 1/51
OTTAWA -- MBNA has re-designed their system and sent everyone new credit cards that work for about a month and then you get declined and the explanation is the pin is locking. We have had 3 credit cards in the last few months because their transition did not go well to their new system. Each time I waste at least an hour on the phone with them, then wait for a new card, then it only works for about a month. They are rude, hung up on me when I told them what I thought of their current system. They will not let you speak to anyone of authority and they offer you 2500 points for your troubles and surprise you never get the points added. They are the most ridiculous people to deal with and I am done. Anyone have a good credit card company to recommend? I plan on never using MBNA card again.
     
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Slimjim on 12/05/2014:
Was trying to figure what was going on as Maryland Bank North America was bought by Bank of America and the name phased out years ago. I guess Canada still has the brand, which one can assume is still part of BOA
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Increased Interest Rate (ALMOST DOUBLED!) Without Proper Notification!
Posted on
Rating: 1/51
I have been a card holder with MBNA since 2004. Several years ago, I called to see if I quality for a lower interest rate (or if they had a low interest rate card) than the 19.99% I had at the time. Indeed, they reduced it to 11.99%, and I was allowed to retain the reward program for the card. I was just digging through my electronic statements, and realized that my interest rate has been increased to 21.99%!!! As I continued to look back in my statements, I realized this increase happened over a year ago, and nothing was mentioned in any of my electronic statements.

I assumed this was a mistake of some sort, so I called to resolve it. I was informed that it is within their right to increase my rate at any time, even though I have never missed a payment or overdrawn my balance, and always pay more than the minimum payment. They are required to send me a letter to notify me 60 days in advance. However, because I only receive electronic statements, I do not always open paper mail I receive from MBNA, because it has consistently been promotional offers.

While this increase is technically legal (I will be looking through my unopened mail for that letter!), I think it is horrible customer service to nearly double the interest rate for a reliable and loyal customer of 10 years, with only a paper letter, particularly when the customer only receives their statements electronically. I'm disgusted with them! I will be paying off my balance as soon as possible and closing my account.
     
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Paul on 12/22/2013:
The old rate you were paying (11.99%) is highway robbery IMO. You would be well advised to do whatever you can to get out from under that kind of usury rate. 22%, while almost double, is just another usury rate. Paying either is outlandish - you are essentially working to earn money to give to a bank money to carry debt.

MBNA was a great organization - I had a credit card and CD's through them. BOA bought them back in 2006 and that was that. The MBNA name is only retained in Canada and England I believe.
Weedwhacked on 12/23/2013:
"I was informed that it is within their right to increase my rate at any time, even though I have never missed a payment or overdrawn my balance, and always pay more than the minimum payment."

This is a correct statement to which you agreed to when you opened the account with them. Also, if you always pay more than the minimum then they aren't generating as much profit from you as they could. That's one reason they may have increased your rate.
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Terrible Answering Service
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MAGOG QUEBEC -- Tried to get a new credit card; had to call at least 6 times because the person answering spoke so poor french that I could not understand half the word she was saying. So I tried in English, the first time it was even worst in English. After 6 times I finally got somebody that could speak some understandable English. I had the feeling that I was transferred to an Indian answering service just like in the movie, everyone of them was speaking with a gross foreing accent. If this is the indication of the kind of service they provide when I want to subscribe for a card, Imagine what it is going to be like when I do have a real problem.
     
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Slimjim on 11/10/2011:
Wow, there are still credit cards issued somewhere under MBNA. I thought Bank of America absorbed and dropped that branding worldwide.
trmn8r on 11/10/2011:
No, I heard they kept the MBNA brand alive.

It's a darned shame. I was an MBNA customer for years, prior to BoA swallowing them up. I loved MBNA - great customer service and products. The only complaint was they didn't have a website to track my CDs.

BoA should not sully the memories of loyal MBNA customers, and retire the name. They can proudly display their own name, so SavvyConsumers know to avoid that business at all costs.
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MBNA disappointment
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OTTAWA, CALIFORNIA -- I won't leave my individual stories about how rudley I was treated by MBNA. I just want to advise anyone that is thinking of dealing with them. Times have been tuff and we may not have been able to make consistent payments but the people at MBNA have been ridiculous. Leaving beyond rude messages on our answering machines. Calling us "imature""irresponsible" I don't care how far the payments are behind you don't treat your customers like that. Even when we do make a payment they are so unorganized that we get like 3 different people phoning us saying the same thing. This company has rude service and bad organization and I pity anyone who deals with them.
     
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skelly39 on 10/01/2009:
Well, you're not really a valued customer when you don't pay your bill, but they shouldn't resort to name calling. Toughen up, answer your phone and work out an arrangement with them.
Fufu487 on 10/01/2009:
I agree, name calling is uncalled for. I had an ex that was into some horrible debt and had collectors call all the time. Not once did I ever hear ANY of them calling him names on the answering machine. And he was quite good at avoiding them. I would, however, get this straightened out before it gets carried away (I now have laywers offices looking for him, as calls to our old number get forwarded to my phone). Just remain professional, and expect them to do the same
Lulu on 11/12/2011:
They *are* rude. I'm a new customer, I don't even have my first payment due yet, so even without it being a question of money a CR almost called me a liar (long story short, he asked for some personal info I didn't give out in the beginning and he insisted curtly that I DID in fact give it out so I should be able to verify it)
Anil Verma mar 3, 2013 on 03/07/2013:
I have MBNA Reptor credit card and I have not received statement so I call customer service and they said in our system show that the statement is mailed out. So I have call every month for 3 month and still not get any statement and when MBNA send me a reminder letter I have paid them the amount on the reminder letter. After I call them up and ask where are my statement if I don't get my statement I can't pay. I did not know that MBNA put customer missed payment and bad credit on my trans-canada credit history. I would let everyone know think twice before getting the credit card from this company. In my situation I am going to talk to a lawyer to fix problem and also write a letter to ceo of the company.
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