MBNA Complaint - Horrendous service
I got my MBNA Credit card while a first year University student. For the first year, I was on time with all my payments, then I got careless. I wasn't working much, but at the same time I was trying to make as much payments as possible. Eventually, the card was maxed out. Then came all the late payment charges, plus the fee for being over the limit. Fast forward to 2005, with nothing really being done (granted, this was my fault, but they still refused to write it off, keep in mind I had other credit cards that were maxed out that were written off months later), They told me (the manager in specific) that if I made consistent payments they would waive the, over the limit fee. I did, but that never happened. Fast forward to 2007 (yes, still not written off) they decided to write off the majority of the debt to bad debt, by making payment arrangements. I followed through, making every payment they wanted on schedule.....Guess what? I got a call from a collection agency asking full payment (not even reflecting the payments that I made, that were agreed upon) I tried calling, but nobody would talk to me, because the account had been written off. Moral of the story I guess......Get everything in writing when dealing with these crooks.