MBNA - Page 3

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3.0 out of 5, based on 2 ratings and
25 reviews & complaints.

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Fraud in a BIG WAY
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MARS HILL, NORTH CAROLINA -- I received a "Clean Sweep" offer through the mail to pay off your high balance credit card debts with a very low interest rate in the range of about 4.99% to 6.99%. This bunch took my information over the phone and I was given a line of credit to payoff all my credit cards. Which, I done immediately. I was working making $60,000 a year, until very suddenly I became disabled and I an now receiving Permanently Total Disability Payments each month. I explained that I needed to consolidate my debts in to one low monthly payment. I was told that my payment would be around $350.00 per month for 92 months. That was O.K. with me. However, when I got my first Statement, it showed a $690.00 transaction fee, my monthly payment was over 550.00 per month, and my interest rate was 54.99%. Needless to say I had a mini-heart attack and called them. They were very rude and acted liked I never talked to them and said I signed a loan application, which I never did. This was all done by phone. They sent me a copy of my application, and it was totally bogus. Nothing on that application even pertained to me and I never signed it. Now they have destroyed my perfect credit rating, and all I get when I call - is someone telling me that I am a liar and that they are going to sue me. I told them to bring it on, because I would love to show the Courts what kind of Fraud they are producing.
     
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AZJEM on 2004-12-28:
I don't know what I can say that will help you, but I do agree MBNA is a total clip artist. I paid them in full, even though the next month they still added the percentage charge-o.k. I paid that then sent our two cards shred up in a million and one pieces. Terrible customer service (after they have your account). And I can't believe it would be legal to charge 56%. Hope someone can offer you some help with this. Good Luck!
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MBNA
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ATLANTA, GEORGIA -- I and members of my family have terminated our accounts with them. High interest and bad service. Nothing more to say!
     
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BOA/MBNA
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MICHIGAN -- I'm going to transfer out of this account as soon as I get home tonight! I pay ahead on my account, and carry a balance of approx. $6,000. I can't believe they haven't jacked up my rates like they have to others, I figure it's only a matter of time, or I've been lucky so far.

I'm going to beat them to the punch.
     
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tnchuck100 on 2008-02-08:
If you have a problem we would be more than happy to hear it. Possibly even offer some help.

Exactly what IS the problem?
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Unethical Practice
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COLORADO SPRINGS, COLORADO -- After reading the other reviews regarding MBNA, it seems that this company has developed a pattern. I also agreed to terms and agreements over the phone with a customer representative and received by post a completely different agreement. When I telephoned MBNA, their response was that they sent me in writing the terms and agreement and I should have read and been more cognisant of their terms. Unfortunately, I trusted MBNA to give me the correct information over the phone and not change the terms of agreement in writing. Silly me! MBNA definitely changed the terms of agreement in writing and apparently this is a patterned practice for this company. They really should be ashamed of themselves. The second MBNA representative that I spoke with agreed with me that I would have been better off keeping my two MBNA credit cards rather than consolidating them. Not only did MBNA increase the percentage rate that we were paying on the credit cards but they also charged $700 to consolidate the loans.

If MBNA would like to repair the damage, I request that my $700 be refunded and my initial - agreed upon rate of 8.9% be instated.
     
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The best credit card company I ever dealt with
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I'm a member of MBNA since 1996 and I always had a great experience with them, they have a very courteous customer service, and they don't hesitate to remove a once in a while late charge, they are very generous with credit line increases, and understood me when I was going through a very difficult time in my life (divorce), they are certainly the best credit card company, and have been so since day one
     
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Alida on 2006-09-19:
Dear Rosenbergs,
I had them for 11 years, never one problem UNTIL now, doesn't mean they are wonderful if you've never had any kind of situation, like a merchant that charges your account because they have your credit card number, and then MBNA reverses it. No letter from them,just over the phone that it will be reversed , charged back and then 11 months later they charge me all of it except $50 and say I owe the company 10,000. They have seen nothing for proof from me, nor ever asked for any. They have the invoice/contract from the merchant and 11 months later think they will do some "justice". YOu have been warned now they are, so when something does happen,you will at least have had our warnings, despite fact you don't think anything wrong with them, simply because nothing has happened to you YET.
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