Complain about a product or service

Advanta

Kenneth of Marion, IN November 20, 2009

Nearly each month when I attempt to pay my bill on line advanta's site says my (previously registered) ID and/or password does not match Advanta's records. Then I have to call its customer service to complete my payment. I believe the error message that prevents me from access and making my payment is intentional to delay my payment so that a late charge can be added to my account.

Jodie of Shavertown, PA November 16, 2009

My husband had an advanta credit card for his business. Advanta dropped the credit card last May, it was paid off, cut up and closed. Unfortunately, when he got the credit card for the business he had to put his name on it also. About two weeks ago they started calling my husbands work and our home 3 to 4 times a day insisting there is a balance on the card. My husband has asked them several times to fax a copy of the bill showing the balance the business supposedly owes but they do not. He told them the charges would have to be verified with his controller before anything will get paid.He told them to stop calling our home and they continue to call. They are boarding on harrassment.

Wayne of Saint Cloud, FL November 13, 2009

Upon closing my account Advanta raised my interest rate from 7.99% to 30.99% after calling they lowered it down to 16.99% but now they are doing something else to scam your money if you carry a balance and or Purchases and "Cash Advances" which they say were convenience checks, balance transfers, and now fees and charges. Now heres what they are doing, you have a balance of purchases and Cash advances, when they get your payment they apply all the amount to the balance of the purchases only, now they charge you the interest and the fees for cash advances on the remaining total balance which they then tack on to the Cash advances balance which slowly increases every month if you pay the minimum payment. After callng Advanta and speaking with Neil from India, I was told there was nothing he could do and that I should seek credit help elsewhere, I asked can I pay off the "Cash Advance" balance, He promptly said no, any and all payments will go purchases balance first at the current rate and any fees or charges will be applied to the cash advance portion, which is at the higher interest rate. This is a scam!!! Advanta sent me too settlement checks 101.00 and 26.00 and by cashing I will not hold them to legal settlements later, I'm still holding the checks and do not intend to cash them, At this Point Advanta means nothing to me.

Diane of Orlando, FL November 13, 2009

Advanta has slowly increased my interest rates to the now 31.99%. I have called them repeatedly and asked for consideration on their rates and I can't get them to cooperate. I have never been late or skipped a payment to give them reason for the increase.

Dumitru of Phoenix, AZ November 13, 2009

It happens every statement! They arrive very late in order to make the payment in time. For example, I received the last statement today, November 12 and the bill due date is November 17. As I am on the West Coast and the payment is processed on the East Coast, chances are the payment is not going to be processed in time. And this is not the first time, I have complained to the Advanta Card in person and was assured that they will mail the statements on time. By the way, sometime in the past they jacked up my APR from 7.99% to over 30% without any explanations given, so I closed the account.

Paul of Lemon Grove, CA November 11, 2009

Advanta is a scam I had a 12.9 interest rate and accidentally paid another credit card twice. When I realized what I had done, I immediately paid them but the next bill showed they hiked my rate up to 35%. I asked to speak with a supervisor. THey kept telling me one would call but one never did. I have written two letters asking to have a supervisor call me to put my rate back down, and they never do, so I notified them that I will no longer pay my bill untis a supervisor calls. They (people in India) keep calling me to pay my bill, I tell them "not until you put a supervisor on the phone." They never do and keep calling all hours of the day. MAJOR THIEVES!!!!!!!!! I was a honest pay on time person, but now... they can just charge the rest of this balance off. I just don't give a damn anymore.

Jesse of Middletown, NY November 4, 2009

I have used my Advanta business card for over a year for my small business. Recently the company closed all credit lines and with no notice increased my interest rates to above 30%. I made my payments at regular intervals and the same payment each time so without notice I had paid less than he amount due. I called to clarify the issue and was told I would receive paperwork to sign to reduce the interest but have yet to receive said paperwork. I was outraged by this and wanted answers and thus refused to pay until I received some sort of action at which time a report was sent out against my credit. When I asked a representative on the phone if having an interest rate above 25% in NY was illegal he responded with, "we are based out of Texas" How does the law account for such loopholes? and where is the fair and just action?!

Nate of Mesa, AZ October 27, 2009

I have (had) a credit score of 780, and never in my life missed a payment on a loan or credit card account. I have an Advanta account with a 4,000 balance on it. August of 2008, they increased my interest rate to 30.003% from 9.99% without notification of the increase. Like many people, I pay my account online and check my purchases online and nowhere on their website, without requesting a statement, can you see what your current interest rate is.

Fortunately, another card of mine had offered me a balance transfer offer that same month of the increase and I transferred the balance with no knowledge of the increase. Fast forward a few months and Advanta offers me a 6% balance transfer offer with no fees by email. With no knowledge of the rate increase, I transferred 4000 back onto my Advanta card.

Subsequently a few months after that they closed the accounts and in August of this year my payments on my balance transfer skyrocketed. Confused on what happened, I checked my paper statements for that month and I saw the 34% APR number. With the new interest rate and the payments, I couldn't afford to pay my account. I was in shock. After checking the current statement, I quickly went back and checked every paper statement until August of 2008 and that's when the rate originally increased.

I called up Advanta and spoke to a Brian recently with a thick indian accent, who informed me that I wasn't allowed to settle my account, and the only interest rate they could offer me was a 16.99% or credit counseling with an outside company that COULD settle or negotiate with them (Why can't I negotitate my own account, I AM THE ACCOUNT HOLDER AFTERALL), as well as notifying me that they had sent me a rate increase letter by certified mail in August of last year (Which they hadn't, but how do I prove a negative against them, I don't know?). I have saved every piece of paper that credit card companies have sent me, I have a filing cabinet full of these things. I plan on contacting my states attorney general's office and wish to find a way to get this company honest on their accounts.

Gary of Pipersville, PA October 26, 2009

Advanta Bank Corp closed all credit card accounts May 2009. I have been making regular payments and on time. The interest rate on my account is 16.99%. For the past 3 months my balance has reduced by 191.30 Aug, 189.00 Sept, and 187.55 in Oct. On each statement following a payment my interest charges and fees have gone up instead of down. With these 3 payments on principle of 567.85 a reasonable person would expect the interest charge to go down somewhat not increase. from August to Sept. the interest charge went up 4.40 and from Sept to Oct the interest charge and fee went up another 14.45. They tried to tell me it was due to the change in amount of days of the billing cycle. I don't buy that as a correct answer. Even if the amount of days in the billing cycle differ, somewhere it would show some type of decrease in the interest charges since the balance is now 576.85 lower than 3 months ago.

Buffy of Hartwell, GA October 23, 2009

opened up a business account with them. Now they are out of business and my account closed. this brings down my credt score and i need good credit for my business. my credit score has dropped.

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