CANADA -- My internet bill comes off my credit card. Despite the fact that I have more than enough room on the card to pay my bill, they won't let my internet company charge the card because I have $9.00 in overdue payment that I didn't even know about from my last bill. So now, even though I have plenty of room on the card, they won't let my internet company charge the card and I'm about to have my internet cut off.
When I called MBNA customer service, they kept me on hold for an hour at midnight, and then the young male on the phone who finally answered was incredibly rude and condescending, and just told me there was nothing he can do to help me. For $9.00 I didn't even know I still owed, I will be losing my internet tomorrow. I will be cutting up my MBNA credit card immediately and NEVER using MBNA again. They are unhelpful vultures.
I have recently received a card from MBNA on the promise of 'no interest' for a year, in order to reduce my higher-interest debt elsewhere. Their initial transfer of funds worked. However, so far, I haven't been able to even access their online banking page.
Three efforts resulted in 3 messages indicating the site is 'down'. Telephone contact is virtually impossible - the automated system that 'sets up phone banking' will ask you a barrage of questions, some of which are impossible to answer, e.g. "what form of personal ID did you use when setting up your account" (I used none). Any sign that they are debiting my account for any unauthorized 'interest' or fee will result in my closing the account. Remember, you can always prevent a firm from debiting your accounts (if you have a Pre-authorized withdrawal) by asking your home bank to freeze the creditor out.
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.
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!
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.
I have been a card holder with MBNA since 2004. Several years ago, I called to see if I qualify 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.
OTTAWA, CALIFORNIA -- I won't leave my individual stories about how rudely I was treated by MBNA. I just want to advise anyone that is thinking of dealing with them. Times have been tough 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 "immature" "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.
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 worse 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 foreign 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.
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 online 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 payments. 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 minimum 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.
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 ** 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 transfer 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. ** 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.