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Tom of Claremont, CA November 11, 2009 This concerns a Visa account I have had for 12 years through my credit union. In that time I have never missed a payment or been late once. Recently, my credit union sold off their card operations to FIA Card Services. FIA Card Services specializes in sending out billing statements that are cleverly disguised as "junk mail". Apparently I threw out a billing statement a couple of months ago, mistaking it for junk mail. This caused me to be late on a payment, ONCE. Realizing my mistake I called FIA immediately to explain. They immediately demanded to know my bank information so they could take a payment from me. The person on the other end sounded like an inarticulate, stupid gang thug so I told him no. I told him I'd be sending my payment the normal way in about ten days. Since then I have been harassed and threatened by FIA at least every other day, by telephone. This morning they harassed me at work and once they reached me, they tried to talk to my wife. I got a supervisor on the phone, another smack-talking ghetto rat who tried to strong arm me into giving up my checking account. I told her no. And I demanded they stop calling me. She said they would not stop. I said "fine, then cancel my account." The hood rat replied: "Fine, I just canceled your account, but we gonna keep calling you every day until you make your payment." Do a simple google search and you will see this is standard practice for these thugs. Thomas of Mt. Vernon, NY October 28, 2009 On October 27, 2009, at approximately 11:00 AM, a neighbor found a "Summons & Complaint" taped to the glass entrance lobby door of our apartment building, appearently placed there by Kirschenbaum & Phillips, Attorneys for the Plaintiff, FIA CARD SERVICES, regarding a credit card comsumer debt. This neighbor observed several other neighbors reading the "Summons & Complaint" and informed me of its existance, and I then took it down after first taking some digital pictures of it in place on the door. This attorney firm could have just as easily served me by mail and avoided letting my neighbors know my business, or slipped it under my door. I have a serious heart condition and am always home to receive both my mail and any notices that could be served to me personally. This was done in this fashion in an attempt to embarrase me with my neighbors in an attempt to intimidate me into paying up. The Fair Debt Collection Practices Act (FDCPA) 15 U.S.sec.1692 et seq. forbids this form of harassment as this is considered "Contact by Embarrasing Media." I would like to have this matter investigated, and have the law firm fined for their flagrant act of harassment. Thanks for your anticipated help in this matter. Embarrasement with neighbors. Can you place a price on this irreversible act of maliciousness? Tal of Bellevue, WA October 17, 2009 FIA Card Services represents my Fidelity, MBNA card. My minimum payment ratio to balance has been increasing every month, making it difficult to keep paying the minimum payments. I called FIA Card Services to see how they calculate the minimum payments. When we figured out the Average Daily Balance on the card there was a discrepancy in FIA Card Service's favor of over $2,000. My average daily balance was far higher than my actual balance ever was, and there was no way of explaining it. There is a trend practiced by FIA Card services to increase the minimum payment every month, and when you call them to try and figure it out they drown you in formulas, which do not add up to the facts. I have other cards that I have dealt with for over ten years. No other credit card past or present has this practice. Something is very wrong here! Chris of Bellevue, WA October 14, 2009 I had a good experience with FIA up until the recent recession. Once bills were getting tight I was late on a few payments. They called me every day at home or work until a payment was made. A few months had passed and I realized my rate jumped from 9.9% to 24.99% APR without notice. I contacted them and negotiated a lower payment. It took two months before the rep I spoke with put the lower payment plan through. Therefore, I incurred finance charges in the hundreds of dollars. Finally I called again and someone else closed the account. However, before the account was closed I had accumulated 22,000 reward points. I realized I needed to redeem them before the card was closed. I picked 4 items to be redeemed then closed the account. A few weeks later I received 3 of 4 items. A few more weeks passed and the 4 item never showed up. I called to question the 4 item and was told that since the account was closed the "system" would not allow them to pull up any previous information. I had an order number and letter from the company. The rep tried to lie about the points that were rewarded. I called back to a different rep about a week later and was told the same thing. I finally asked to forward a complaint and the rep said it would do no good and the company would just send me a copy of the terms and ask me to apply for a card again. What a joke of customer service. I was a loyal customer for more than 2 years and earning rewards which they advertised and this is how they treat customers that run into financial hardship. How can a company not have records once an account is closed? The answer is they don't want to deal with previous business that may cost them money. I will never renew a card with FIA or their affiliates and will tell everyone I know to avoid them. I understand that consumers sign the dotted line and I agreed to the terms which were hardly clear. But it is sad when these companies take advantage of people in hard situations and don't have any accountability. Betty of Austin, TX September 11, 2009 FIA Card Services has a debt negotiating department, but it took at least 6 phone calls before I finally was told that it exists. Supposedly, you can negotiate down your debt if you cancel the card. I've been a Visa owner of FIA since 1993. I've paid my monthly bill (with outstanding balance)using automated electronic fund transfer. Without notice, my interest rate went from 4.5% in July to 12% in August. My card was never supposed to go over 10% according to the Board of Directors at Allegacy Federal Credit Union. I started to receive daily calls about $57.00 that was due on my account. During my first call, I was told that FIA would not give me any explanation until my outstanding balance of $57.00 was paid. I refused to pay. I continued to receive daily calls until another representative finally explained that FIA sent a letter notifying me that I had the "OPTION" of "OPTING OUT" of a higher interest rate. I never received the letter. I explained that I couldn't live with that higher rate and that if they didn't work with me, I would explore bankruptcy. They said they were sorry. After several more conversations with FIA representatives I was getting no where. Then, another call came about my $57.00 balance. I threatened to go to the National Foundation for Credit Counseling to negotiate down my debt. I finally spoke with someone there who gave me information. Then I paid my overdue amount of $57.00. I plan on writing to the Senate Committee for Banking to complain. Christopher Dodd is the Chairperson. Jack of Spring, TX August 4, 2009 I have 4 credit cards administered by this company. I've never been late with a payment on any of them. Without warning they lowered my credit limit to about $100 over the balance due. On my credit report this raised my use of available credit from 25% to 50%. Since their reduction I've had my credit limit raised by: Chase, American Express, and Discover card. I'm in the process of eliminating all credit cards administered by this company. Kathryn of Chapel Hill, NC May 11, 2009 I am a 10-year customer of FIA Card Services Visa and had the same "fixed" APR until November of 2008. My rate was inexplicably increased from 12.99% to 19.99%, with the option to keep the remaining APR with the stipulation that I would no longer be able to use the card. In my 10 years as a customer, I've never made a single late payment and consistently carried a balance on which the company has assessed the normal finance charges. I began with a limit of $500 10 years ago, and it has increased over the years to a limit of $10,900. As a full time graduate student, I accrued a large balance over the last 4 years and until recently paid only slightly above the minimum. I have been able to pay it down within the last 9 months after getting a second job, and successfully decreased my overall balance by roughly 90%. Every time I speak to someone from the company, they are condescending and refuse to give me any real information. All I want to know is why my "risk-assessment" warranted such a large increase in APR, and why, if I am such a "risk" to them, would increasing finance charges make me more likely to be able to pay what I owe? I feel like they are trying to trap me into never being able to pay my balance completely. Is there anything I can do? yvonne of nutley, NJ May 6, 2009 I was a co signer for my daughter on this credit card in 1999. She had financial problems in 2008 and fell behind on the payments. The card was for 1000.00 total. They never ever contacted me, and raised the interest rate to 25% and added fees and then the balance became 1300. I contacted them when I was alerted that they were closing my card(same company different card and never used it) and found out about this fiasco. I asked them why they did't contact me and was told they had no information on me, but that didn't stop them from reporting it to the credit bureau, which lowered my credit score 100 points on something I had no way of knowing about or was able to protect myself from. I was never given the option to pay until it was too late. Denise of Huntsville, AL May 5, 2009 I had a credit line of $25,000.00 on my Visa M&T card. On 4/30/09 they reduced my credit line to $8,300.00 without notification. As of 4/29/09 my balance on the card was $16,000. How can they do this and how do I keep from getting over the limit fees? Tried to charge and was denied. Also had a plan to pay a portion of this off and charge more to the card. Jacqueline of Carson, CA April 9, 2009 Jacqueline of Carson CA (04/09/09) Catherine of Centerport, NY April 6, 2009 Catherine of Centerport NY (04/06/09) William of Clearwater, FL April 3, 2009 I've had a Platinum Prudential Master Card for many years with a fixed rate of 5.9 percent. I've never missed a payment, was never late on a payment, usually pay at least 40 percent of my account balance each month and and my credit score is 777. I received a notice from FIA Card Services today informing my credit rate is going up to more than 11 percent beginning May 1. The reason they gave? The bad economy. I told them to set my card for cancellation the day the new rate takes effect and I will pay off my balance. So it appears as if those consumers who have been responsible with their credit are now being penalized to pay for those who were not. Tom of Claremont, CA November 11, 2009 This concerns a Visa account I have had for 12 years through my credit union. In that time I have never missed a payment or been late once. Recently, my credit union sold off their card operations to FIA Card Services. FIA Card Services specializes in sending out billing statements that are cleverly disguised as "junk mail". Apparently I threw out a billing statement a couple of months ago, mistaking it for junk mail. This caused me to be late on a payment, ONCE. Realizing my mistake I called FIA immediately to explain. They immediately demanded to know my bank information so they could take a payment from me. The person on the other end sounded like an inarticulate, stupid gang thug so I told him no. I told him I'd be sending my payment the normal way in about ten days. Since then I have been harassed and threatened by FIA at least every other day, by telephone. This morning they harassed me at work and once they reached me, they tried to talk to my wife. I got a supervisor on the phone, another smack-talking ghetto rat who tried to strong arm me into giving up my checking account. I told her no. And I demanded they stop calling me. She said they would not stop. I said "fine, then cancel my account." The hood rat replied: "Fine, I just canceled your account, but we gonna keep calling you every day until you make your payment." Do a simple google search and you will see this is standard practice for these thugs. Thomas of Mt. Vernon, NY October 28, 2009 On October 27, 2009, at approximately 11:00 AM, a neighbor found a "Summons & Complaint" taped to the glass entrance lobby door of our apartment building, appearently placed there by Kirschenbaum & Phillips, Attorneys for the Plaintiff, FIA CARD SERVICES, regarding a credit card comsumer debt. This neighbor observed several other neighbors reading the "Summons & Complaint" and informed me of its existance, and I then took it down after first taking some digital pictures of it in place on the door. This attorney firm could have just as easily served me by mail and avoided letting my neighbors know my business, or slipped it under my door. I have a serious heart condition and am always home to receive both my mail and any notices that could be served to me personally. This was done in this fashion in an attempt to embarrase me with my neighbors in an attempt to intimidate me into paying up. The Fair Debt Collection Practices Act (FDCPA) 15 U.S.sec.1692 et seq. forbids this form of harassment as this is considered "Contact by Embarrasing Media." I would like to have this matter investigated, and have the law firm fined for their flagrant act of harassment. Thanks for your anticipated help in this matter. Embarrasement with neighbors. Can you place a price on this irreversible act of maliciousness? Tal of Bellevue, WA October 17, 2009 FIA Card Services represents my Fidelity, MBNA card. My minimum payment ratio to balance has been increasing every month, making it difficult to keep paying the minimum payments. I called FIA Card Services to see how they calculate the minimum payments. When we figured out the Average Daily Balance on the card there was a discrepancy in FIA Card Service's favor of over 2,000. My average daily balance was far higher than my actual balance ever was, and there was no way of explaining it. There is a trend practiced by FIA Card services to increase the minimum payment every month, and when you call them to try and figure it out they drown you in formulas, which do not add up to the facts. I have other cards that I have dealt with for over ten years. No other credit card past or present has this practice. Something is very wrong here! Chris of Bellevue, WA October 14, 2009 I had a good experience with FIA up until the recent recession. Once bills were getting tight I was late on a few payments. They called me every day at home or work until a payment was made. A few months had passed and I realized my rate jumped from 9.9% to 24.99% APR without notice. I contacted them and negotiated a lower payment. It took two months before the rep I spoke with put the lower payment plan through. Therefore, I incurred finance charges in the hundreds of dollars. Finally I called again and someone else closed the account. However, before the account was closed I had accumulated 22,000 reward points. I realized I needed to redeem them before the card was closed. I picked 4 items to be redeemed then closed the account. A few weeks later I received 3 of 4 items. A few more weeks passed and the 4 item never showed up. I called to question the 4 item and was told that since the account was closed the "system" would not allow them to pull up any previous information. I had an order number and letter from the company. The rep tried to lie about the points that were rewarded. I called back to a different rep about a week later and was told the same thing. I finally asked to forward a complaint and the rep said it would do no good and the company would just send me a copy of the terms and ask me to apply for a card again. What a joke of customer service. I was a loyal customer for more than 2 years and earning rewards which they advertised and this is how they treat customers that run into financial hardship. How can a company not have records once an account is closed? The answer is they don't want to deal with previous business that may cost them money. I will never renew a card with FIA or their affiliates and will tell everyone I know to avoid them. I understand that consumers sign the dotted line and I agreed to the terms which were hardly clear. But it is sad when these companies take advantage of people in hard situations and don't have any accountability. Betty of Austin, TX September 11, 2009 FIA Card Services has a debt negotiating department, but it took at least 6 phone calls before I finally was told that it exists. Supposedly, you can negotiate down your debt if you cancel the card. I've been a Visa owner of FIA since 1993. I've paid my monthly bill (with outstanding balance)using automated electronic fund transfer. Without notice, my interest rate went from 4.5% in July to 12% in August. My card was never supposed to go over 10% according to the Board of Directors at Allegacy Federal Credit Union. I started to receive daily calls about 57.00 that was due on my account. During my first call, I was told that FIA would not give me any explanation until my outstanding balance of 57.00 was paid. I refused to pay. I continued to receive daily calls until another representative finally explained that FIA sent a letter notifying me that I had the "OPTION" of "OPTING OUT" of a higher interest rate. I never received the letter. I explained that I couldn't live with that higher rate and that if they didn't work with me, I would explore bankruptcy. They said they were sorry. After several more conversations with FIA representatives I was getting no where. Then, another call came about my 57.00 balance. I threatened to go to the National Foundation for Credit Counseling to negotiate down my debt. I finally spoke with someone there who gave me information. Then I paid my overdue amount of 57.00. I plan on writing to the Senate Committee for Banking to complain. Christopher Dodd is the Chairperson. Jack of Spring, TX August 4, 2009 I have 4 credit cards administered by this company. I've never been late with a payment on any of them. Without warning they lowered my credit limit to about 100 over the balance due. On my credit report this raised my use of available credit from 25% to 50%. Since their reduction I've had my credit limit raised by: Chase, American Express, and Discover card. I'm in the process of eliminating all credit cards administered by this company. Kathryn of Chapel Hill, NC May 11, 2009 I am a 10-year customer of FIA Card Services Visa and had the same "fixed" APR until November of 2008. My rate was inexplicably increased from 12.99% to 19.99%, with the option to keep the remaining APR with the stipulation that I would no longer be able to use the card. In my 10 years as a customer, I've never made a single late payment and consistently carried a balance on which the company has assessed the normal finance charges. I began with a limit of 500 10 years ago, and it has increased over the years to a limit of 10,900. As a full time graduate student, I accrued a large balance over the last 4 years and until recently paid only slightly above the minimum. I have been able to pay it down within the last 9 months after getting a second job, and successfully decreased my overall balance by roughly 90%. Every time I speak to someone from the company, they are condescending and refuse to give me any real information. All I want to know is why my "risk-assessment" warranted such a large increase in APR, and why, if I am such a "risk" to them, would increasing finance charges make me more likely to be able to pay what I owe? I feel like they are trying to trap me into never being able to pay my balance completely. Is there anything I can do? yvonne of nutley, NJ May 6, 2009 I was a co signer for my daughter on this credit card in 1999. She had financial problems in 2008 and fell behind on the payments. The card was for 1000.00 total. They never ever contacted me, and raised the interest rate to 25% and added fees and then the balance became 1300. I contacted them when I was alerted that they were closing my card(same company different card and never used it) and found out about this fiasco. I asked them why they did't contact me and was told they had no information on me, but that didn't stop them from reporting it to the credit bureau, which lowered my credit score 100 points on something I had no way of knowing about or was able to protect myself from. I was never given the option to pay until it was too late. Denise of Huntsville, AL May 5, 2009 I had a credit line of 25,000.00 on my Visa M&T card. On 4/30/09 they reduced my credit line to 8,300.00 without notification. As of 4/29/09 my balance on the card was 16,000. How can they do this and how do I keep from getting over the limit fees? Tried to charge and was denied. Also had a plan to pay a portion of this off and charge more to the card. Jacqueline of Carson, CA April 9, 2009 Jacqueline of Carson CA (04/09/09) Advertisement
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