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MBNA Complaint - Horrendous service - MBNA customer service
MBNA customer service - Complaint
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.
Comments:
Posted by MaggieMcT on 2010-03-11:
You spent years blowing them off, and you're calling them crooks?
Posted by The_Judge on 2010-03-11:
Crooks?? Who didn't their debt in hopes it would be written off? Pot, meet kettle.
Posted by Sparticus on 2010-03-11:
The author accepted fault. Let's try to move beyond that. The point the author is making is that this company struck multiple deals with him/her only to change the terms of such deal(s) later on.
A fair warning to others who might be in the same situation with this firm.
A fair warning to others who might be in the same situation with this firm.
Posted by PepperElf on 2010-03-11:
move beyond?
it's hard to ignore the fact that he's already had other maxed out accounts that were written off - meaning the company actually gave up on trying to get the money out of him.
we are suppose to show support because this collection agency wants the bill paid in full?
so... it's ok to max out your cards and not pay the bills
but should a company ask for the money you owe them, suddenly they're "crooks"?
not buying it.
it's hard to ignore the fact that he's already had other maxed out accounts that were written off - meaning the company actually gave up on trying to get the money out of him.
we are suppose to show support because this collection agency wants the bill paid in full?
so... it's ok to max out your cards and not pay the bills
but should a company ask for the money you owe them, suddenly they're "crooks"?
not buying it.
Posted by Sheldonrs on 2010-03-11:
"Get everything in writing when dealing with these crooks."
They did. You're the only "crook" in this story.
They did. You're the only "crook" in this story.
Posted by justthefaxx on 2010-03-11:
When I had credit cards I wish the banks would have written them off. In fact, they should do that for everybody and get a fresh start. LOL!
Posted by bcd on 2010-03-11:
They’re not crooks. You are a credit risk.
Posted by tnchuck100 on 2010-03-11:
If a bank ever wanted to post a complaint against a customer THIS would definitely qualify as a legitimate complaint.
Posted by ProConsumer on 2010-03-11:
This is a legitimate debt and you are wondering why they haven't written it off? Really? Be responsible and pay your debt. Never ever apply for credit until you have done something to educate yourself on the ins and outs of using credit.
Posted by Nohandle on 2010-03-11:
I'm sorry you're having a problem here and I quite frankly think this is a hoax. Do you honestly think when you max out a card, pick another card, max it out and possibly others your balance should be written off? What do you base this theory on?
Posted by KingJames on 2010-03-11:
so. you were irresponsible and ignored a debt for a few years. you admitted your irresponsibility and made a good faith attempt to pay off said debt. mbna agreed to work with you and offered a solution. you kept up on your end of the deal and mbna chose to write off the debt anyway.
yep, you are the crook alright. how dare you admit that in your youth you were irresponsible like that? furthermore, how dare you admit that you later *grew up* and made good faith efforts to pay off your debts? who do you think you are? no regular member here has ever been irresponsible or made poor choices. don't expect any understanding from us, no siree bob.
now, in all seriousness. now that mbna has written off the debt, you may have the opportunity to work with the creditor on a pay off deal. call them and tell them you want to take care of the debt and what is the lowest amount they'd be willing to take to close this out once and for all. you'd be surprised what deals can be made. the debt has long been *written off* as a tax write off [loss] for mbna. at this time any amount that can be recouped is considered a win by them. good luck.
yep, you are the crook alright. how dare you admit that in your youth you were irresponsible like that? furthermore, how dare you admit that you later *grew up* and made good faith efforts to pay off your debts? who do you think you are? no regular member here has ever been irresponsible or made poor choices. don't expect any understanding from us, no siree bob.
now, in all seriousness. now that mbna has written off the debt, you may have the opportunity to work with the creditor on a pay off deal. call them and tell them you want to take care of the debt and what is the lowest amount they'd be willing to take to close this out once and for all. you'd be surprised what deals can be made. the debt has long been *written off* as a tax write off [loss] for mbna. at this time any amount that can be recouped is considered a win by them. good luck.
Posted by Slimjim on 2010-03-11:
By dragging it out, you may have achieved exactly your wish, them to write it off and sell it to a collection agency. Now the collection agency is screwing you.
Posted by justthefaxx on 2010-03-11:
The theory must be on the premise that the OP doesn't want any debt once they graduate. That's the only thing I can think of.
Posted by PepperElf on 2010-03-11:
what the OP really needs to do is seek advice on eliminating credit.
you can't always rely on write-offs to pull you out of debt, especially since those will screw up your chances on getting loans until the marks fall off your credit reports - which means you most likely won't be able to get a house or a car any time soon.
you can't always rely on write-offs to pull you out of debt, especially since those will screw up your chances on getting loans until the marks fall off your credit reports - which means you most likely won't be able to get a house or a car any time soon.
Posted by punxnotdead80 on 2010-03-11:
You know, long ago they used to throw people like you in prison for not paying their debts.
Posted by Rlegend on 2010-03-11:
I'm not o sure why the slagging, but my point was, that if you're dealing with this company, or any company for that matter, that get everything in writing. And no, I'm not talking about the forms I filled out, I'm referring to the verbal agreements that were made over the phone.
It should be noted, that everything has since been paid off, My credit score is high, and my family and I are in the midst of looking for a house.
It should be noted, that everything has since been paid off, My credit score is high, and my family and I are in the midst of looking for a house.
Posted by Nohandle on 2010-03-11:
If in fact this in a honest review, what makes others think a debt should be forgiven because of youth? That person managed to rack up a credit card until it was maxed out. I've heard of too many war stories of families bailing out kids until they had enough. Once the person, at this time an adult, discovered a way out he continued to charge up on those credit cards. A new credit card offer every day in the mail.
Posted by justthefaxx on 2010-03-11:
Verbal agreements meaning absolutely nothing!!!! Good luck with the house.
Posted by Hayato on 2010-03-12:
...and that, ladies and gentlemen, is why our economy is in the hole; too many people like OP here sinking themselves into debt by being irresponsible.
Posted by Skye on 2010-03-12:
OP, many times, people fall on hard times, but that does not excuse them from their financial resposibilites.
They gave you credit when you needed it, and now want to be paid back. That does not make them crooks. What about everything you charged with the card, that you ended up not paying on?? Seems that makes you the crook.
They gave you credit when you needed it, and now want to be paid back. That does not make them crooks. What about everything you charged with the card, that you ended up not paying on?? Seems that makes you the crook.
Posted by Stew on 2010-03-12:
I look at my personal finances the same way a business looks at their finances. My only financial responsibility is to myself. In all matters of business I compare the benefits to the consequences. When the benefits outweigh the consequence then that's what I choose. I don't know how the money powers and bankers were able to brainwash the populace into thinking that paying one's debts is a moral obligation. It's not. It's a business obligation. Those with the money realize that. We should too.
Posted by RedDazes on 2010-03-19:
Now I am with everyone on the responsibility issue and do not think that being an irresponsible youth and then trying to make good should allow you anything.
BUT if you have noticed, 5 comments above mine the OC has stated that the issue was resolved and that he/she wasn't trying to make excuses only to warn people to get things in writing before agreeing to them.
Very good advice.
BUT if you have noticed, 5 comments above mine the OC has stated that the issue was resolved and that he/she wasn't trying to make excuses only to warn people to get things in writing before agreeing to them.
Very good advice.
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