To put it mildly, First USA Bank is not a consumer crusader. It's notorious for its high interest rates, ever-multiplying fees and not-so-nice customer service. And not too long ago, First USA coughed up $1.3 million to settle a deceptive practices case brought by 28 states. Seems the bank had provided its customers names and account numbers to telemarketers, who then sold (or said they sold) various goods and services to the bank's long-suffering account holders.
Besides all that, there are such tales as this ...
Michael of N. Las Vegas NV (03/08/08) Was solicited to sign up for their credit card through Countrywide to get dividends for use of card and have the amount doubled to use as credit against my mortgage balance.
I never received any bills or statements, the first time I happened to check the account online and paid the first month. I saw a charge on my bank statement for FUSA and never associated it with the Countrywide credit card, as I did not recognize the charge. I queried it and the Bank reversed the payment. I later checked my accounts and figured out who it was and called them. They charged a late fee and a return fee. The second month again no statement in the mail but I was two days late in checking the account and was again charged a late fee. I called customer service and again had to wait half an hour to speak to someone and they refused to reverse the latest charge as they claim they are not responsible for the delivery of the statements. I recall having the same problem with these people before and closed the account.
Had I been made aware I was actually dealing with First USA I would not have opened the account. Beware, do not use these people as I believe they are again trying to manipulate customers to obtain fraudulent late fees. I would like to find out if any other people have encountered the same problems with First USA.
Jeremy of Lebanon, MO February 21, 2008
Jeremy of Lebanon MO (02/21/08) I went to buy a house, and my credit report says I have a delinquent account with First USA Bank. I don't even know what this is!
Marsha of Pickerington, OH October 23, 2007
Marsha of Pickerington OH (10/23/07) First USA Bank filed a complant with the Fairfield County Court regarding a civil action against me for their company that I do not know anything about. First USA Bank sent the court papers to my place of employment as if that is my address. They have used a collection agency, MRC Receivable in San Diego, and they call every day.
I have had the human resources department of my job notified that I am being sued, and that does not look good and can affect my pending promotion.
Laura of Portage, IN December 9, 2006
Laura Crow of Portage IN (12/09/06) They doubled their interest rate in one month when I had been making my payments on time for many years. Then they are not available for me to call them when I am not working (on weekends) can only call them M-F. Also, even though I have sent them 3 letters asking them to set up some plan for me to pay via written communication, I have received no reply in written form at all.
Now my minimum charge is over 1,000 and I am really unable to pay. May have to go to collection agency (maybe they will communicate with me via written form) or DMP or bankruptcy just to get them to answer me.
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