FIA Card Services

I made a settlement agreement on two accounts on the same night. I gave them my current bank info which they successfully used to withdraw the money for the first account. However, they put the bank info from an old closed account that they had on file for the second account and it obviously was returned. They have now charged off that account and started to send me threat letters. I was contacted by them two weeks ago but as soon as they realized that they had made a mistake, all of my attempts to get this reconciled have been ignored.

Their paradigm is that they are the righteous and I am a deadbeat. That if something goes wrong, it is my fault for they are infallible and when it is blatantly their fault, they just ignore the problem and hide behind an endless sea of people who don't have the authority to help. Those who have the authority are unreachable to us deadbeats.

We have had this card for a very long time. We have paid all of the bills and recently have been paying the total amount due. In the last couple of years, my husband's salary has been substantially reduced and at times, we were late on our bills. For the past 6 to 8 months, we have been on time and have gotten rid of some of our bills. This company advised us that we would be getting a new card in March through Bank of America. Last month, FIA for no apparent reason closed our account and when I called, they stated that they had done so based on our past history with other creditors. I explained to the rep what the situation had been but they refused to listen to what I had to say.

Today, I got a letter that the card that was supposed to arrive in March is not going to arrive until May. I try to call the credit card company today and I get a recording that they are extremely busy and the wait time is over 10 minutes. Don't they realize that by them closing the account, they have caused my score to decrease dramatically. I don't think that this is fair. They should reopen the account which is in good standing and issue the new card through Bank of America as promised.

This bank is vicious, and I recommend everyone to avoid them at all costs! For 1 cent over my credit limit, they marked my credit report delinquent. I am filing a lawsuit on this. Avoid this company. You will be glad you did!

Closing the account has been a disaster. After realizing that FIA has engaged in some shady practices, I paid off my two cards as soon as I could. I got the last bill and I called FIA to say that I am closing the two accounts and I needed the exact amount so I will not receive any more communications from them. Before that, in the years I had an account, I was never late, not once. I got the amounts and immediately paid off the two credit cards by electronic bill pay. I also sent in the bill with a hand written note to cancel my account.

I didn't receive any bills from them until a few months later, when they said I didn't pay my bills and was delinquent. They reported me and my credit score dropped over 100 points. I found out because I applied for a mortgage loan pre-qualification, only to be refused by the bank. The amount that they fabricated was $2.98 and $25.00. My credit score, which was very good, is now marginal. I can prove that I cancelled the account prior to these bogus charges.

I am so angry that they can get away with murder...murdering my credit. The credit rating system has some serious flaws and it's not fair and balanced. How can my credit get hit for over 100 points after I closed these accounts and for a total of $27.98?

I paid my credit card in full with FIA Card Services Visa/ Bank of America and I overpaid the credit card by $270.00. It has been one month since I have requested my money back. Every two weeks, I call and they say that the check is in the mail, but after 14 days, there is no check in the mail. I called again after 14 days and they said that I never special-requested for my money back and that they will cut the check now and it will be another 14 days. Again, 14 more days (a total of 28 days now), still no check in the mail box. I keep calling and now, I am very unhappy as they are lying about me, never requesting for my money back. One so called manager and employees lied to me, saying they are a manager.

I want my money back! Bank of America is too big to care for little people like me who could sure use $270.00 yesterday, not 14 days from now, then another 14 days from that, then another 3-5 business days thereafter and many hours on the phone with people and managers who can't seem to cut a check and mail it. Or better yet, why couldn't they electronically send it into my account?

My wife has used FIA for 12 years. Our balance was $4,000 so we paid $2,800 and they dropped our credit limit to $1,400 after the payment was received. I am assuming the new laws are restricting how much they can charge in interest, so they now just drop limits without notification or reason. She called customer care and they said we didn't want to tell you in advance because we wouldn't receive payment if we did!? She stated, "So you are calling me a thief? But instead you guys are the thief!" I'm paying the rest off and will cancel now. They are completely unethical.

I spoke with someone over the phone to make a payment and decided to pay the entire balance of over $12,000. They took my payment without ever checking my account for auto pay or asking me if I had auto pay. Two weeks later when my statement cycled with an over $8,000 balance (which had been paid as part of the $12,000), they attempted to debit my checking account not only causing NSF fees in my checking account, but causing my credit card to be held.

When I called them on 12/30/11, they made me feel as if it was my fault for not cancelling my auto pay. I told them I think it is illegal to attempt to debit me for over $8,000 that I did not owe and had already paid. How can a system be so archaic that it uses a statement balance versus a true account balance to make debiting decisions? They promised to send me a letter to take to my bank to get the NSF fee removed (and hopefully taken off my credit). It is now 2/2/12 and I have no letter. I called today and the woman was very rude. She offered to fax me a letter, I said I wanted it emailed. She said fax or mail are the only two options. Who even uses faxes anymore? So another 7-9 days before I get this letter.

What really upsets me is that I found a new credit card company to earn miles for flights to Hawaii and guess what, they are services by FIA Card Services. This company is archaic and rude. I would encourage any large corporation to really think before they hire them to manage their credit card portfolio.

This is the only credit card account website I've encountered that doesn't let the user register on the website to auto-pay their entire statement balance each month. They require users to submit paperwork through the mail requesting this service. The paperwork must include a voided check (I use an internet bank so I don't have a check to submit for this). I tried to send in a direct deposit form from my bank that has my account number on it, but they would not accept this. The website does allow monthly payments of any quantity, but the user must then remember to log into the website before the bill due date and enter their statement balance. This statement balance is, by the way, not displayed once the user goes to the payments section of the website. It seems as though this company is doing their best to deceive customers and collect late fees on credit card payments.

FIA services two cards from two different credit unions both in Texas. Six months ago, I requested and received a balance transfer offer. I paid that balance off in full before the interest kicked in. I asked how I might receive notifications of future balance transfer offers and they asked some questions and then abruptly closed the account that I had for the past 22 years. I make over six figures, never missed a payment and have a reasonable debt to income ratio. I was astonished. Evidently, a positive credit history means little. I will never again use a card serviced by FIA. They get their funds from the Feds at almost zero pct and charge double digit to consumers. I don't need their services and recommend that everyone avoid them. May they go out of business as soon as possible. Scam.

I have an American Express Account via FIA Card Services. They charged me a $15 late fee plus interest for paying a bill due on Jan. 1, 2012 on Jan. 3, 2012. My understanding is that current law requires that credit card due dates that fall on a weekend or holiday must be pushed out to the next business day. Jan. 1 was a Sunday and Jan. 2 was an official holiday for New Year. Therefore, Jan. 3 was the next business day available for payment. Upon complaining to FIA, the customer rep stated that they would provide me with a credit, but would not acknowledge that they were in fact in error and should not have charged me a late fee in the first place. I wonder how many other people have been charged and paid a similarly illegal late fee.

On 5th of December 2010 we have the client with visa number ** who paid 1300USD and unfortunately we didn't manage to have the receipt so we have the report in the same amount and the client signed it beside 1300USD. When the client got back home, the Arab African International Bank told us that the client refused to pay the amount and he will pay just 387USD. So please send us the details of the client and if you can't, please inform the client about our details to contact us.

We paid off our balance in full 10 days before our due date and were hit with a $66.00 fee for interest charges. This company has been hitting us with balance transfer interest charges for years. If an attorney can contact me to help me file a complaint against this company, I would welcome the help. I'm sure if a class action lawsuit was initiated and an investigation was completed, FIA would be in serious trouble.

I had an FIA credit card for a few years, with a $5,000 limit. I was never late with a payment (on this or any other card), nor maxed out. I had about a $1,500 balance on the card, and requested a limit increase. Not only did I not get an increase (no problem there), but they decreased my limit to $1,500! Effectively making sure I couldn't use it anymore. I decided to pay it off and cancel the card. Just for fun, when I got it down to a $600 balance, I asked for a limit increase again. And guess what, yes, my limit was reduced to $600. Needless to say, I cancelled the card and would never use them again.

In trying to establish a debt repayment plan, I was told that I would not have one offered to me in writing with terms after the representative told me I had to set one up via telephone only. I informed FIA Card services of my concern handing out private information over the phone again. Now a year after that phone conversation, I received a notice from King's County Civil Court telling me that I am the defendant in a civil court case when they (FIA) refused to put a repayment agreement in writing.

My complaint started when we were switched by our bank (Kern Schools), to a different credit card company (FIA card services), because Kern Schools no longer offered credit card services. Though their not so user-friendly website, dealing with multiple representatives, and overall business structure was annoying from the beginning, that's not even my complaint. What really got to us about FIA card services is, when we called to make a payment and the rep transferred us over to another rep to take the payment, then transferred us over to a different rep (Brad **), who told us that he would be closing our account today. When we asked why, he said because we have multiple accounts (he mentioned around 12) that show up on our credit from other companies, where we are behind on payment, or are in bad standing.

I explained to Brad that I have been a victim of identity theft since 2003, and that I can show proof that the accounts that he stated (all except 2 of them) do not belong to us. When I asked him what proof or paperwork should I provide him with, to keep our card from being discontinued, he said that we've already decided to close your account. I asked him when did you guys decide to close our account, and he said just now. I then asked him for his name and position and told him, "I believe that what you're doing to us is wrong, and I do not agree with your practices. He mumbled, "yeah, well". At that time I asked him if there was anything else that he could do for us, and he said "no, we're closing your account, and when you get your credit fixed you can re-open an account with us".

FIA card services is not entirely corrupt though. I must add that the FIA card services representatives who handle payment processing, otherwise known as "taking your money", are extremely nice and soft spoken. Not only do I not recommend FIA card services to process your credit cards, but I also would not want anyone to have to deal with Brad Williams, and his unwillingness to compromise in circumstances like ours, and I truly hope that FIA card services goes out of business.

In early August, I requested to cash in my Visa Signature points. The total amount due to me was $100. Shortly after the request, I married and canceled my Visa Signature account, since my husband already had a VISA account. In late August, I called to inquire about my World Points reward, and was advised that it would take about 6 weeks. After 6 weeks, I started calling, trying to determine the status of my reward points.

I called every two weeks through November, and was shuffled from one clerk to another. I requested to speak to a supervisor, and was denied. The account is handled by FIA Card Services, located in Dallas, Texas. It is obvious that they have no intentions of paying me for my accumulated points. If you currently have a Visa that is through FIA Card Services, I would strongly urge you to switch to a reputable Bank/Company. If you are considering a credit card, make sure it is not serviced by FIA Card Services of Dallas, TX, Wilmington, DE, Newark, DE, or El Paso, TX. I was taken advantage of by this company, and I am making this complaint, in hopes that it might help others not to fall for the same scam.

On 10/11/2011, my online payment for my entire balance is $2735. It was posted as $27,735. This error caused them to cancel my card on 10/15!? Since then, I called and have been trying to get my money back - less the due payment for a total of $21,188. First, a call was made on 10/15 and I was told it 7-10 days to clear my bank. My band showed transfer cleared and posted 10/11. 10/17, I called again there rep said they were not sure payment posted. 10/19, we held a 3-way conference with my bank - they confirmed payment posted. Jeff - the FIA rep assured me they would transfer back the over payment in 1-2 days. 11/1 - still no payment posted.

I had been a longstanding cardholder with FIA (Bank of Hawaii Visa Card), using the card daily for almost all purchases for the past 3 years and paying off my entire (substantial) bill each month. I noticed recently that Hawaiian Airlines seemed to have no record of my recent purchases, including a major one in August, although these had been recorded on my FIA receipts. At that point, I was concerned as I am a frequent flyer to California for medical reasons, and made every effort to acquire frequent flyer miles with Hawaiian Airlines whenever possible.

When I spoke to the FIA representatives on two occasions, they informed me that my "miles had expired"! In all of my years of using frequent flyer miles with all of the major credit card company, I have never had this experience especially since I use credit cards daily for all purchases and have a superior credit history with no debt!

It's been a nightmare for over a year with the FIA credit card that regions give you and it is the only one they have. I have been unable to access my regions FIA credit card online to view my statement. This has been going on for over a year. I've called regions, I wrote to regions, I complained to regions and to FIA credit card, have received phone calls from the president of FIA and still at this time I can not view my statement online. It seems that regions wants nothing to do with it and FIA wants nothing to do with it. So I guess the best thing to do is change banks.

I called FIA Card Services and asked them if requesting a credit line increase might harm the credit line I already had. They said that it would be very "rare." They also mentioned that it would be a soft credit check. I thought that it wouldn't hurt to request an increase and see what would happen.

So, I let them know that I am receiving unemployment benefits. I have only been out of work a few months but I have no housing/rental payments. I live rent-free and I have no loans. I have always paid my credit card on time and pay in full each time. I have never been late on a payment. My credit is excellent.

To make the long story short, they cut my credit line by $5,000. Instead of just declining my request, they essentially lied to me that a request would not be harmful and would not reduced my credit line for telling the truth. What an awful experience and a terrible customer service.

I would avoid FIA Card Services at all costs. I had a credit card which was transitioned to a FIA Credit Card. I have excellent credit, never been late on a credit card payment, no housing/rental payment, and plenty of savings. I called them to request a credit line increase. I am temporarily unemployed (short-term) and thought that it wouldn't hurt to ask, to prepare in a tough economy. I even asked the man on the phone if it was possible that my credit line would be decreased by asking. He said it was very rare.

When they found out I was unemployed, they decided to lower my credit line by $5,000! I do not believe they took any other factors into account. I still have income. It's just not as high as when I was working. It's disgusting and outrageous that they want to hurt the American consumer at such a difficult economic time. They kept saying, "We understand." "No, you don't." There was no reason for them to do this to me. I have never been late on a payment ever. My history of payments is excellent. They did this just because they could.

They are disgusting.

The credit card that I've had in good standing for over 4 years was abruptly closed, without FIA card services reaching out to us. The card has always been on autopay. I only found out the card had been closed when it was declined when I made a purchase. The treatment from the customer service was sad, especially when they don't even do any outreach.

I recently applied to have my Bank of America credit card managed by FIA Card Services to be upgraded from a secured card to unsecured and get my deposit returned to me. Since I am under 21, I have to complete a form to give them permission to run my credit report. Even though today, August 8,2011 a customer service representative has already congratulated me in advance for being approved.

I faxed in the form that is required of me to complete and sign on August 2,2011. I have the verification report from the fax machine that says this fax went through successfully. Today August 8,2011, I called in to check on the status of my upgrade and was told I needed to send in the written request. I told the representative that I faxed the consent in almost a week ago. She gave me the direct fax line that was located near her desk. I then again faxed in the request to her direct fax two times, in each time the fax journal said it was successful. I called a couple hours later to make sure that it was received but I was told it was not. At that time we confirmed that I had the correct fax number and I did. The representative stood at the fax machine while I attempted to fax the consent form again, this time the reports came back saying that the fax number was busy or there was no response. This happened four times and she said the fax machine was ready and there was no problems with it. I agreed to try later.

A little later I went into a Bank of America Branch to show them that I had signed the consent form and I was having issues getting the fax to them. An employee there, faxed the signed consent form from the branch to FIA Card services' main fax number. They gave me the fax report it shows that the fax was successful and even shows the signed consent form that was faxed. I called an hour later to see if it was received and they claim that they did not. I have four reports from three different fax machines and numbers saying that the fax was sent and received. However, they claim they have not received this form. How is that possible?

My bill got misplaced and so payment was not made on time. The card was frozen without notice. They had my email and I had an account for several years with always on-time payment history with less than 10% of the available balance was outstanding.

I called and was told that this is what they do to anyone who is late in making a payment. I cancelled my card.

Poor all around service. Had the Schwab 2% card and they randomly keep changing my credit card number. They retracted the dispute resolution for unauthorized charges after one unauthorized charge. They raised the interest rates recently so if you miss a payment it permanently goes up to 28%. (Thankfully I never miss a payment). If the 2% deal ever goes away I am gone and never coming back. Looking forward to grabbing an AMEX.

I agree with everyone else to avoid FIA Card Services. Over the last year, this company has made 3 major mistakes with our account, are impossible to reach by phone, and still do not correct the errors after you speak with someone. Look elsewhere for a credit card.

I took 3 written notices and finally a phone call (20 minutes on hold) to get my address changed. They changed our card number because of a suspected fraud, without any contacting us. They sent a letter stating we were being upgraded to a signature Visa. We called to get more information about the upgrade and authorized it. Months later, there's no new card and when I called they had no record about upgrading us.

I called before traveling to Europe to advise them about the dates and locations. The first time we used the card in Germany it was blocked with a fraud alert and we could not use it the rest of the trip. Upon return from the trip, we contacted the company, and it was in their records that I had called, but they blocked the card anyhow and also blocked the other pending charges that came in while we were gone, It cost me two orders that had been pending, and to top it off, it was my job to fix those mistakes.

FIA Card Services is owned by Bank of America. Do not use this company! I have made $10,000 in payment this month on my card, FIA/BA is holding $4,000.00 of it up, using the excuse that I could reverse my payment. The money has already been withdrawn from my personal checking account held with another bank! They told me that they are doing this because I have not historically made large payments on the account. I ,do however, make the payments on time every month during this time.

This morning, I noticed that my available credit was about $9,000.00 less than normal. To top that off, they dropped my credit line to just above my balance. I asked why and they told me it was because of my account history. It brought up a fraud alert just because I made a larger than normal payments? You have got to be kidding me!

Yes, I am serious. They dropped my credit line from $24,300.00 to $15,200 this morning. The payment was posted yesterday and today, my credit line was decreased! I have not been late on payments, have $180k a year income, and there was absolutely no reason for this! I am not late on payments. We even disclosed to them, and it was supposed to be noted on the account a couple months ago, that we would be making a couple of large payments on the account on December or January, letting them know what our plans were! We have good credit and are not late on any payments! We do not have a high debt to income ratio.

We have closed our account with FIA after having this card, since Wachovia still owned the card years ago. Today, because of this, good bye, FIA! I have an auto loan with Bank of America as well and it is my last one with them. Our Mercedes Benz Visa is now owned by Bank of America, see what happens to that one, Bank of America! You treat us poorly and you lose our business!

I asked for a new card to be sent to my house and FIA informed me that they are going to close my account instead. I was with them for 10 years, and I have not been late on a payment nor have a balance with them. They did not give me a reason other than they were not happy with my credit score (660). Is there anything I can do to prevent this from happening?

I have had a credit card with FIA Card Services since 2005. The company recently separated services with Charles Schwab Bank. Ever since the separation of the two companies, I have been re-issued a new credit card 3 times in less then 6 months with no explanation. That in itself is a major hassle as I have to keep calling and updating the companies I allow to auto-debit for their monthly payments. The most recent change was on 11/12/10 when I logged into my account at FIA Card Services and noticed the card number had changed again.

I called to inquire why once again my card was changed. They said the card was reported stolen. My wife and I both have the cards in our possession and never reported them stolen. I told Patty, the customer service representative to close my account as I was tired of dealing with their poor customer service. I received a notice on my credit monitoring services that I had a negative impact on my credit report.

When I checked Experian, I saw that FIA Card Services had reported my card as lost/stolen and that a third party had made the report. How can a third party (FIA Card Services will not release who reported it) report my card stolen or lost? How would someone else know the status of our credit cards since both cards are still in our possession? I am a very responsible person with my finances and credit. I had at last check an 812 score. I am getting ready to take advantage of the low mortgage interest rates and I feel this will severely impact my rates and ability to secure a loan that represents the hard work I have done to maintain my good score. I feel that FIA Card Services is submitting the false information to punish me for closing my account. I have checked online with Consumer Affairs and found hundreds of similar complaints.This is not fair and unjust. Stay away from FIA Card Services.

This company has a 24 hour service # but if you want to speak to a representative, plan to be on hold for a very, very long time and that's after you finally get to the telephone option for speaking to a representative. Get this, they have no way of getting into contact with them by email.Their cards are available through many different financial firms, American Express, Fidelity, recently Schwab so make sure they are not the company processor if you apply for a new card.

Do not sign up for any FIA card service card. I was drawn to sign up for the American Express card by Fidelity. I had a dispute for the merchant and FIA service is a horror show. My example: They did not even want to start the dispute without seeing paper documentation that the merchant acknowledges they were in the wrong, but dispute usually exist because the merchant overcharged or undelivered on their good or service. This was horrible and it puts the American Express name to shame. They had no flexibility to even start opening the dispute. They told me they don't even contact the merchant during the dispute, they only contact the merchants back with the paper evidence that the merchant is in the wrong. How lazy can you be? I have never had any issues with AmEx disputes, these guys sucked on my first dispute. Needless to say I immediately cancelled my card. Sorry, Fidelity, you picked the wrong card service company.

It's the lastest credit card scam. It is hard to stay ahead of the fraud artists, particularly when the card issuers are the worst scammers. FIA Card Services (formerly MBNA and owned by Bank of America) has set a new low in customer abuse. Remember the fine print about challenging a merchant for not delivering merchandise or services paid for with a credit card? I got taken by an eBay thief who sent unusable (cannot be authenticated and lacks key items in the promised full retail version of authentic software). I paid for it via PayPal (owned by eBay) using an FIA card. Relief? No, not from the eBay Buyer Protection promise or PayPal's Resolution Center read the fine print on what you have to do and the caveat that even then you get no protection if they cannot recover disbursed funds.

PayPal first demands extensive documentation and communication with the seller, who does not respond, and then instructs you to contact your credit card company directly. Try it. More than 40 pages of documentation including photographs and notes from Microsoft on fraudulent products all highlighted with arrows and underscores to emphasize the differences between what was offered and delivered. Six weeks later, FIA sends a demand with a response alleging a PayPal response contrary to what PayPal indicates. And the demand requires certifications and a list of six required items, some ranging between impractical and absurd.

Try calling, there are holds of 20 to 30 minutes, then interrogation, then a hold, then a transfer to the right person at which point they disconnect you. Three times and more than two hours in phone-hold hell later, they promise a callback that never comes. There are more than 70 pages of additional documentation by fax. And then they deny the charge back. Persistence, who gets the disputed amount? It's not the buyer, not the seller. It's FIA.

I need to talk to an account manager. After holding on phone for over half an hour, I gave up. I hesitate to use their online site as there is no "log-off" button. Their site also does not offer an email contact option. It's very frustrating to have no way to contact your credit card company!

In spite of having both my business and personal cell phone numbers registered with donotcall.gov, I am receiving relentless phone messages from FIA Card Services, asking me to return their calls. I have no present or prior business relationship with FIA.

I have a Schwab Visa card through FIA Card Services. This provides a 2% cash rebate to my Schwab financial account. Logging onto the card account is not a problem, but like Hotel California, you can never leave! There is no logout button. This happens on a Macintosh using the Safari browser. It does not happen on the Firefox browser.I tried to contact the web tech support and waited on the phone for over an hour before tossing in the towel.

I made an attempt to negotiate a lower interest rate on my card, which is at ridiculous interest rates on a 20% plus adjustable. My other card is at 10% adjustable. This was declined, in light of the fact I've got decent credit rating and good payment history for several years.

FIA does not support downloading transactions during the month, only at the close of a month. During this day and age, fraud is rampant. To cut down on that, I regularly download my transactions to identify, and correct fraud, regularly. It is unimaginable that a financial institution would not support this, and encourage customers to save them money. When talking with multiple CSD individuals, they acknowledge the problem and have no solution.

My Charles Schwab Cards just became FIA cards since Schwab divorced FIA. I recently discovered that my credit limit is not being reported on my Signature card because the Signature is a "High End" card. We have two credit cards now: an FIA Platinum VISA with $0 balance and a credit limit of $1000 and an FIA Signature VISA with average $2,000 per month in charges and a $22100 limit.

So each month, because FIA doesn't report the credit limit on the Signature card, our debt to available credit ratio looks like we're deadbeats and charge twice as much as our limit. If I'm not mistaken, this has, in turn, skewed my insurance scores and I've been paying more for insurance since February of 2009 because of the non-reporting of the $22100 limit.

I've asked for a copy of the credit card agreement and have yet to receive it. FIA initially said it was VISA's decision to not report credit limits on Signature Cards but I have a strange feeling its FIA. The only way I figured out that they weren't reporting the limit is because I pulled all three credit reports. We're exceptional good credit customers (our credit scores average 800) and I'm more than a little upset that my insurance rates are skewed because of incorrect information being reported to my insurance company in the form of an insurance score.

No one wants to take ownership of this issue but feels they are entitled to massage my personal and financial information how they see fit. FIA is stalling and I'm not getting the promised LexisNexis report that would show exactly which accounts triggered certain insurance scores. FIA has offered to move me to a Platinum card (1% instead of 2% cash back) to solve the problem but I said no. I told them to fix this the right way because I 1. Didn't was to lose 2% back and 2. I didn't want another closed credit card on my account. No wonder Schwab dumped them!

The website used for scheduling a payment is misleading and as a result, I only paid the minimum amount due rather than the statement balance. I scheduled the payment before going on vacation, so I wouldn't be late and then checked when returned from vacation, only to find the minimum amount due was paid. I've been late with CC payments less than 5 times in my life and have never made minimum payments, never!

FIA Card Services has taken over the Schwab First Invest Visa. We are about to see a whole new level of complaints. Schwab customers are a whole different critter a different DNA. Their spending is high, and they usually pay in full each month. Checking out FIA I have noticed two things. Online Hard to find most recent activity. It was last on the list. When looking at last statement could only see minimum amount due. Nowhere is the actual bill amount to be found. (This is going to drive Schwab customers batty) Still pondering why FIA sends their bills on such plain envelopes. It always appears as junk mail in a regular sized envelope. All my other bills come in smaller envelopes, and at least the words credit card services on the return address portion.

It takes months to realize that the only mail you get without a name in the return address is your FIA credit card bill. Let's see how complaints change from here on out. Now FIA has new critters in town, let's see what they do with them. If they start messing with the 2% cash back and making it a scam like Discover and Chase, they can expect to lose many good customers. Were smart enough to know the cash back scams! We are not your average Americans. We take calculators to everything and crunch every number. After all we are investors.

The FIA Web site for paying bills is intentionally designed so customers are easily misled into either making late payments, or paying unnecessary interest on their accounts. These are just a few of the problems:

1. FIA makes it as difficult as possible for customers to find out what their balance is. When customers click the online 'Statement' tab, they get a listing of their purchases. But no balance is displayed! The only way customers can find their balance from the statement is by taking out a calculator and manually adding up all the items. Failing to display the balance on a monthly statement is deceitful, and probably also illegal. But FIA has been doing this for years.

2. The only way to see the balance is to click on the 'Pay Bill' tab. But even then, the amount to be paid defaults to the minimum amount, not the full amount owed. FIA is obviously counting on customers to not carefully review this screen before clicking the Submit button. Many customers think that they are paying the entire bill, only to find themselves later hit with interest fees.

3. Another issue: The Web site's Payment Date defaults to the latest possible date. If there is even the slightest snag with your bank, you will end up paying late charges. Customers can change this date, but this requires making a change with every payment, and most customers are likely to forget to do this, and just accept the default. In other words, FIA has designed its Web site so it provides maximum income to FIA, encouraging its customers to pay partial amounts and late fees.

FIA has never applied my cash back either to a specified Fidelity account nor heeded my requests for actual cash. I have telephoned three times, each time with a promise of service or mailed checks that never appeared. I have also written once and received no reply. This has turned into a fancy American Express scam. I have never had this problem with either VISA or MasterCard.

I paid my credit card on time on the regions bank site. The 11th, I have printed the proof. They charged me $39 late fee and listed my payment as of the 13th. I have the proof. They will not correct this. I don't know what to do. This is the second month they have done this. There is nothing on the bank site for the card that says it takes days to get there. Above all, when I transferred money from one account to another it is immediate. If this is true, they should state this. I paid on time. I need to get this rip off stopped

After activating a new card they mailed me, their system still doesn't recognize that I've been using the new replacement card. So after having my 4th transaction declined within month, on my 4th call with Authorization, Stacy told me my new card still needs activation. But when Stacy tried to activate it, it showed up as already activated. On my 3rd call, the best excuse they came up with was that my account was flagged with possible fraudulent transactions. But I confirmed all the transactions were mine. Worst of all, they never call me to verify the questionable transactions. I had to call them every time to ask them to lift the blocks on my card.

How many times does it take for them to get things right? They are incompetent; they cannot even get their system right. I'll see if they can finally fix the issue after the 4th try.

This is a card we no longer use and are paying more than the minimum each month but the interest they are charging is entirely too much. It is 24.99% interest each month. We are being charged for balance transfers and cash advances, which are not happening. There is no way we will ever get out of debt with this card at this rate. No one will even consider lowering the interest rate at all. They keep telling us to go to credit counseling.

FIA Card Services refuse to update it's website so that it is compatible with Apple computers. Can you imagine that this giant company is too cheap to update it's website to be compatible with the largest, capitalized, American computer company. In case you think that's Microsoft - not Apple - you are wrong. Check the headlines last week. And go try to reach anyone in charge at FIA. The only person you can reach is someone who is absolutely unable to reach anyone in their information technology department, and that's Customer Service. All they can do is confirm that they are not Apple compatible. I keep getting cut off their site in the middle of browsing my personal data.

I have received a letter from FIA Card Services for an account that I don't have! What is this about? They don't give a phone number so I expect a response via email. I have not dealt with Bank of America in 5-8 years. I spoke with BAC yesterday and they told me to disregard any correspondence I receive regarding this account. I expect a response immediately! I do not have this account and haven't in years!

My husband passed away in January 2010. He had two Bank of America Cards in his name, one with a small balance and one with a larger balance. Both were closed immediately by BOA. The small one, I paid off quickly, the larger I have been paying $500 each month. On May 4th, FIA sent a letter to the "Estate of". It was a very generic letter and there was no mention of Bank of America. They stated they were changing the account number, the pay address and the due date to May 25th.

My first thought was it was a scam or that BOA had sold the debt to a collection agency but I couldn't understand why they would do that if payments were being made. Research into FIA was not encouraging as more than 50% of all internet mentions of FIA were negative. I called them and this was their explanation: The debt has actually been charged off and any payments are all to the good. The 'due date' mentioned in the letter is actually more of a suggestion. We have been account holders and CC users with BOA for many years and most of their employees were extremely helpful as I waded through the morass that is estate settlement.

My complaint about the situation is that FIA did not share complete information about the situation and they showed a complete lack of compassion in the letter. When one spouse dies the surviving spouse not only loses their life long lover, friend and helpmeet, they also lose a good portion of their income. This makes any modifications to monthly bills (amounts and dates) difficult if not impossible. One would think that an estate department of FIA/BOA would leave any mention of a 'new' due date out of the mix and would state that this is the balance and "any assistance the estate could give in settling this debt would be greatly appreciated" instead of wording the letter as if it is a collection letter. Consequences were emotional rather than physical or economic, although, since Jennifer stated it has been charged off, maybe I'll just put it on the back burner and pay it when I get damn good and ready. They should have kept their mouths shut!

I have been with Bank of America for over 35 years and with spotless credit. Due to the economic downturn, a divorce and a hospital stay, my financial situation was devastated. I kept paying the minimum on my two B of A cards for as long as I could, even though I was barely able to pay my mortgage and buy food. Finally, I could do it no longer, but still sent $10 or $20 every month as a gesture of good faith. I drained all my savings and have now drained my IRA, so I have, literally, nothing left and spend 12 to 18 hours day trying to find a way to make money.

Throughout all of this, I had several conversations with FIA and/or B of A and described my situation in detail. I was often in tears but rarely received any sympathy. That doesn't matter. What does matter is that, despite knowing my situation and despite 35 years of being an excellent customer, I went online to pay my bills one morning and found that they had taken almost $1500.00 out of my checking account with no warning or opportunity to make other arrangements. The only reason I had money in my account was because I had just received my tax refund of $1300.00 and they took it all and then some. As far as I'm concerned, what they did was blatant theft. I thought I was going to lose my mind. I couldn't sleep, couldn't think, couldn't focus on work and of course, couldn't pay my bills. This happened at the beginning of April and due to a surprise $1000.00 check from my mother (who can't afford it) and a tutoring job I managed to get, I'm still in my home. It may have been a drop in the bucket compared to the bailouts and bonuses given to the bank, but it represented my survival. Of course, I switched to another bank, but I live in fear that somehow it will happen again. I'm afraid to deposit checks, afraid the money will disappear. I'm 60 years old, and have worked my entire life. I have not given up, but I will never forgive FIA/Bank of America for their despicable behavior.

I checked my credit card records and various financial statements tonight. I have kept FIA Card in spite of the way they treated me so at least I have some credit if needed. Here is what thy have done so far: Raised my rates more than double the original amount (11.9% to 28.9%). They lowered my credit limit by more than half, from $6000 to $2500. When I had the problem last year, they reported me to the credit agencies and lowered my score. They then led to many companies closing down my accounts and FIA Cards was using their rating to deny me a lower interest. I paid them what I could and did not pay the the $560 to $800 monthly payments they demanded last year. I could not afford food at this time yet paid them $50 in good faith each month I was in trouble.

There were two months when I needed to do this and now that I have paid them every penny short of about $20, they have now closed my account and have stopped any credit to me. I have written the Philadelphia Federal Credit Union, where I was connected to this card in the first place. The credit was sold twice and is now owned by the Bank of America, a particularly nasty company! Here is my letter:

"In 2009 I was stuck in a credit card cycle caused by Citicorp when they honored an expensive deposit (over my limit) from Quicken loans for no services rendered. During this time, my APR was 11.75% was changed to 28.75%. Your credit card company did not accept my good faith payments of less than the total amount due at a time when I could not afford food. The new law states: 'If the cardholder triggers the default rate because of a 60-day delinquency, the bank must restore the lower rate once the card-holder makes six consecutive on time payments.'

"The rationale that you use for denying consideration is a credit score that FIA damaged. I have paid most that is due and except for the difficulty I have gone through have been a long standing customer and demonstrated my seriousness in paying FIA. Since I have kept my obligations, when will the penalty APR be taken away? I refuse to pay such a high APR and if you wish me to continue using your card then this needs serious consideration from your end."

So they do not wish to help a loyal customer for many years and instead just drop me.

Sent to the IRS a cancellation of debt, now I have to pay taxes.

When I got my Bank of Hawaii Hawaiian Airlines Visa (serviced by FIA) in February, I requested a change in PIN number. My card was rejected at an ARCO gas station yesterday for an invalid PIN number. ARCO requires the use of one if you are going to charge. I called FIA and in the course of my half hour conversation with them (mostly on hold), they acknowledged the receipt of the request and approval.

However, now they tell me that I can only deal with their problem by mail. I am leaving the country later this week and some merchants in Europe, likewise, require PIN numbers. One thing I found out when Googling FIA this afternoon, is that it is a subsidiary of Bank of America! My Bank of Hawaii payments go to the same P.O. box as my Bank of America Hawaiian Airlines Visa.

I'm trying to get away from Bank of America that has screwed up other things, which is why I applied for a Bank of Hawaii card in the first place. My loyalty is with Hawaiian Air, not Bank of America. Their screw-up should not be my problem. I will be using credit cards other than Bank of America or Bank of Hawaii in Europe whenever possible.

The economic damage won't be mine. It will be the loss of revenue for these banks.

I was paying my credit card online. I noticed a $95 charge for cash advance. I never had a cash advance. I called immediately, and the girl put me on hold. After 10 minutes, she told me in February 2006 that I made a payment online for $200. There was an error, and it looked like $20,000. I immediately called with the error, and FIA (then Wachovia) said they would fix it. Since then, I've been charged for a cash advance of $20,000. I never owed that much. They will not tell me exactly how much I have been paying on this since 2006 and will not take it off. This is outrageous.

I recently called to change my name on my credit card. The operator made changes then directed me to another department. Matt answered and said my account was now closed due to the foreclosure on my ex-husband's home because they hold both accounts. I was furious and called back, explained to him that they also hold my current home loan and that my credit card is under my name only as well as my home. He assured me he would reopen the account and days later, I called to verify if it was active and it remained closed. They can give me a home loan with my divorce decree, but are forced to close my credit card on my ex-husband's foreclosure. I have had that card for years and never been late.

In January of 2010, I began a debt settlement with the J Hass Group. They sent me a device to install on my phone that informed creditors to contact them, as they would be handling all credit issues. Since this device has been installed on my phone, FIA card services has attempted to contact me via mail, on my home phone, my cell phone and now my place of employment. I received a voice mail on my work phone from FIA card services as I was out of the office for the past three days.

Today, they contacted me again. The name of the caller was Mr. **. I cannot recall his first name, as after the phone call, I was so shaken up by what occurred. My mind went blank. He was extremely disrespectful to my receptionist at work and demanded that I leave a meeting I was into just to speak with him. I spoke with a man from FIA card services today, and he was the most unprofessional and disrespectful person that I have had contact with regarding the service.

He told me that I have been "avoiding him" and that he was "done with me," and would also be pursuing legal services against me and hung up the phone on me. I tried informing him that he is to contact the J Hass Group, but he would not let me talk. When I tried contacting him back to inform him to contact the J Hass Group, he again told me the same thing and hung up on me again. I am appalled at the service that has come from this company. I will be contacting the lawyers of the J Hass Group to inform them of the incident as well.

FIA Card Services is the only service providing credit card company that preys on the consumer by mailing the customer their bill in a format that they hope "blends" with the other "junk" mail. FIA billing envelop identifies itself with "Statement Enclosed" on the envelope along with the PO Box information in the upper left corner. No company name or identifier while every other provider of billing information identifies themselves (i.e. Discover, Nicor, Commonwealth Edison, AT&T, etc., on the billing envelope.

FIA is betting that their bill will get caught up with the rest of the "junk" mail that is received everyday playing the percentages that a number of consumers will overlook the bill and thus get hit with a late fee and interest charge. It's amazing that our government has not protected the small consumer from fraud and scams such as this. Even young kids in elementary school learn how to address/return address mail so as to be identified to the receiver.

I am a General Manager for OBS. We sell products online. We received a call from Jennifer ** (FIA-Bank of America) concerning a client being charged for a product. The customer stated he never received the product in the mail and wished to 'charge back' for a refund. I proceeded to give Jennifer and the customer the US Postal Service tracking number as it showed us as being delivered in a timely manner. Jennifer told the customer that if the post office shows it as delivered, that there was nothing she could do. At this point she assumed that she had disconnected the call from me. She told the customer to hold on while she contacted his post-master.

A few moments later, she came back on the line and told him that she could not get through as no one answered the phone. She then proceeded to tell the customer that she would call me back, and told me that she spoke to the post-master, and that there was no record of delivery. She did just this. I took her call again and asked her who she spoke to at the post office, she stated that she did not get a name. I explained to her that I had heard her call and that I knew that she spoke to no one.

I also told her that I heard her tell our customer that she was going to call me back and lied about it. She had no response to this. Again, she assumed that she had disconnected me from the call. She told the customer that she was going to allow the charge-back as product not delivered as promised. I have all of this on an mp3 recording as we record our calls here at the call center for quality assurance. Our message that everyone hears when they call in states that their call may be recorded for this purpose. I contacted FIA and spoke to Julian ** (a supervisor) about this blatant action of fraud and was told they did not wish, nor were they going to talk about it any further.

This is harassment--giving me 12 calls a day. There's refusal to stop.

I purchased a ring for the amount of $600.00 and I never receive it. I sent all the information to FIA Cards. First they accepted the dispute, and when all was settled I got a new letter saying that I had to pay for the merchandise. I continued using the credit card and paying only what I buy. I always paid in full, no balance. FIA Cards waited until the account reached $974.00 and then called me to settle the case for $120.00. I closed the account. I declined and told them I did not have the merchandise and that my daughter had no problem in her dispute with the same business. On March 3, 2010, I called the Citi Card because it was expired. I was told the First Bank had the account. When I was requesting to reopen the credit card they told me that I had this bad report from Bank of America and that they will also close my First Bank Visa since it is the same company. That means I lost two credit cards. Is this is legal?

The first thing they tell you is that it's protected from fraud and that is a lie. I don't understand why they have a fraud department—it is impossible to get to them waiting for hours on the phone. I would recommend you stay away from FIA Cards and Bank of America. Now I have a $974.00 on my credit report and my credit cards close. Any suggestion on what I should do? I lost two credit cards. The first I had to close it since the fraud department did nothing about it. The second card was closed today because it belongs to the same company. My credit is damaged and I don't have the merchandise.

I received a phone call from Mr. Ryan and I hung up on him. He called me back from a ** to tell me, "you need to put your attitude in check". I hung up on him again and then he called a third time again from the ** number, whispered something I could not understand and I again hung up on him. I called the 800 number that is listed on the BoA website and spoke to a Mr. Blevins who was supposedly a supervisor and was told they would take care of this. I want to know how we have allowed these corporations to get away with this type of harassment? And what type of legal action can we take especially when they have all of our private information?

FIA illegally signed for a $200.00 withdrawal from my bank account. I don't even know how they obtained my account number and I certainly did not authorize this transaction. I am now $200.00 short of paying my rent. Where do I come up with $200.00?

FIA Card Services illegally debited and overdrew our account $686.00. They illegally signed my name to their checks, saying they had phone authorization, which they did not. I emailed BoA and told them of this illegal debiting our account. I have asked BOA not to pay these unauthorized transactions, BoA has not responded yet. I've paid what I could afford to pay since I lost my job in 2009 and my husband's payroll was reduced by less than half salary in 2009.

I've assured BoA/FIA that as soon as we are back on full salary, full not partial payments will resume. BoA/FIA said they would work with us, but then they did this behind our backs. We don't want to file bankruptcy, but if FIA/BoA are allowed to take money we don't have, we may be forced to. FIA overdrafted our account $686.00 and left my husband stranded, with no money for food, hotel, etc. while he is on a week-long business trip in the mid-west.

I contacted this company in order to get a Rewards Credit Card that was through Horseshoe Casino so that I could use it in order to get Tier Points Credit that I could use at the Casino(s) upon filling out an application over the phone, then I was transferred to Gloria who was to run my credit and then tell me if I was approved or not. Gloria came back and told me that I had excellent credit and that of course I would need to close a couple of credit cards, she went on to say that there was two that I haven't used in a while and so I said okay.

Then she told me that she was going to have to reduce the amount of credit on three or four more in order to approve this credit card that I had called in about, even though I owe nothing on credit cards, house, vehicle, and have been with my job for over 22 years and have excellent credit! I asked her if I had not called on getting this new CC today, would she be lowering all of the credit limits on my other cards and she said "no", but now that she knows the limits, she is going to have to change them. I told her to not close any CC accounts and to go ahead and send me a letter telling me that she was going to have to lower the CC limits, and that at that time, I would close all of my credit cards with FIA Card Services myself.

I know that there are changes, but if you owe nothing, then why are they messing with people. I think for the most part that people's credit history speaks for itself. I feel that this is terrible and I will try to never use their CC again. I know that there is no legal problem, but I did feel that a complaint of some kind needs to let people know how FIA is treating long time customers who have always paid their accounts in full and now they want to lower credit limits.

I have been receiving numerous calls from FIA Card services for two people I don't even know. I googled their name and we have their old phone #. I have repeatedly told FIA reps that This is a different address. I don't know the people and to please quit calling. Every time, the reps say, "Where can I find them? Do you have their address? Why did they move?" What can I do to stop this? I have sent an email to Bank of America, since it's their service, with no response, and I'm still receiving 2-3 calls a day.

In the space of 2 hours on Saturday morning, I had 5 phone calls from this company asking for my son. My son was asleep. I told the person who had called the night before that he would call back and got the phone number. I have today spoken to two supervisors and demanded that they stop calling, advising that he would call back when he woke up.

We were threaten. My husband died on Jan. 17, 2007 due to someone calling a neighbor question him. Neighbor knock on door with a phone number to call. They insulted my husband and myself. We gave them $1,000.00, no paper work from him. He withdrew from my bank account. As of today, we had never had paper work about agreement. By the way, we did not open any of the credit that were charge to this statement. We were insulted by stating, "I don't care if you are handicap, disabled, green, black. We want the money."

My husband was very ill. He had a stroke from this aggravation. He died that night. I would love to sue this company but cannot find a lawyer who cares. Every lawyer is out for money, not help to help a client sue this company. Due to this no one knew what the other one was doing. I want the tapes of how they accepted these charges on the statement. They refuse.

Yesterday, I received calls on both my home & cell phone from a "blocked" number. I let it go to voice mail because I don't accept calls from anyone who blocks caller ID. On both voice mails, I was left a message (no company or rep name) that it was urgent, I call about "my account". Upon calling, they answered "card services". I asked for what credit card and "Leticia" refused to tell me and demanded my social security number. I refused to give it. She responded by threatening if I didn't provide it, I was going to lose one of my credit cards. After a full 5 minutes of back & forth she finally said FIA card services, Bank of America. I asked if she was an outsourced vendor or BOA itself. She replied "I am a Bank of America employee". As I am in the middle of refinancing the mortgage on one of my homes (w/ BOA), I made the mistake of agreeing to speak with her. What followed was 30 minutes of absolute Hell.

She referenced a cash advance I had made 13 months ago and asked "what did you do with that money?" I replied that I had paid that off in full one month later, what did it matter? She threatened that if I didn't cooperate, she would "take action I wouldn't be happy with". She asked which of my two houses was my "real" home and does "anyone else who pays bills live in that house?". I replied my fiancee does, why does that matter? She then demanded "what's the name of her employer?". I told her that was none of her business and asked to speak to a manager. She said "no, you have to deal with me". She then said she had my credit report in front of her and asked about the balance I have on my Citibank Visa. She said I was "in trouble because I was exceeding 50% of my credit limit on that card and we don't like to see that". I responded the only reason I had a that was because they had offered a 1.9% balance transfer rate for one year. She then asked "what did you spend the money on, we need to know". When I refused she again threatened me.

She said my income wasn't high enough and my credit wasn't good enough (My scores w/ all 3 bureaus are between 740-770). At that point, I lost it and told her that her demeanor and questions were unacceptable and that I wouldn't tolerate it any longer. Her response was to put me on hold, then come back and say my $25,000 limit had just been dropped to $4,000. I told her that was ludicrous, to which she replied "actually I think it should be less than $4,000, you want to keep going?". I paid the account in full today and I am closing it. My research today suggests filing complaints with the IL Attorney General's Ofc, Office of the Comptroller of the Currency and the Federal Trade Commission, Division of Credit Practices and Bureau of Consumer Protection.

I called Fia Card Services company to ask for help in lowering my interest from the 25% you put on there. I have been a card holder for a long time. I was put on hold for 20 minutes and the rep came back and said, "no, I cant help you". I told her I needed to transfer my balance to my discover and she said ok bye. Nice.

I have two FIA cards with about $20,000 credit. Both cards had a zero balance. I called to see if I could transfer a higher interest credit card balance to one of these cards, and they closed BOTH cards, stating that I had too much personal debt compared to my personal salary. They would only base their decision on MY salary, not including my husbands or our rental property income. We have about 75% equity in our home and our debt is comparatively low. But they insisted on basing their decision on my salary only. I own a business with my husband and we have just finished our 17th year. I don't pay myself very much because I don't need to. I am insulted and astounded that they would rip $20,000 worth of credit from under me, affecting my credit rating when I did absolutely nothing to warrant this. I refuse to ever do business with this company again, they are not trying to help the consumer at all.

A person (woman) left a message at my work number for my name and my wife's name to call the number provided. The message stated that it was FAI Card Services, no name of representative, that it was very important to call about a matter (no detail), and to call even if it was a wrong number. I have the call saved in digital format if needed. I called the number from my cell and got a representative (different voice) after choosing from numerical number options as typical of credit card companies. Got a named representative that only could help me if I answered my security questions or provided my social security number. The representative could not tell me what credit card company this was in reference to. I did not feel comfortable and told the representative that. She stated that she could not help me otherwise. i hung up as this seemed fraudulent or, if real, a very unsecure way to treat me as a credit card client.

Way to go FIA Card Services. Lost a good +AAA customer due to poor customer service.

Do you really expect me to answer personal financial questions over the phone when I do not feel comfortable who is asking? I asked your representative to send the request VIA mail since I felt uncomfortable. However she would not offer this as choice.

Your Representative April can play God and make a credit decision on my account. However, I made my decision to go to another Bank that treats me with some dignity.

Keep up the great work.

FIA CARD Services also has a nasty habit of close dates and payment dates with 2-4 days of nebulous days on which if you pay , you receive no credit as toward one month;s bill or the other. This creates an inordinate amount of late fees that they charge you 17.94% Interest. These fees I have had to call every month to be adjusted which they had done however they never are removed from the 17.94% category. The continue to accrue.

Please help to get my rate returned to 3.99% and all past late fees and interest adjusted accordingly.

Thanks

No wonder these people loose money if they apply the same diligence to applicants that are not quite so financially conservativ.

For four months I have tried to get FIA card services to clear up a $233 charge to my card from a vendor they cannot substantiate making the charge. I have spoken with them repeatedly and, of late, every week they claim they cannot contact the vendor. They are blaming the vendor instead of taking responsibility for charging my card. FIA does not stand behind their customers.

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.

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?

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!

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.

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.

My father passed away in April 2009. He was the account holder on Bank of America credit card. We sent them a copy of death certificate. They were not going to pursue matter further. He had no estate. Now in August 2009 they want the balance paid. What can we do?

I'm in the process of eliminating all credit cards administered by this company.

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%.

I have spoken to several customer service agents, all of which tell me that a "risk-assessment" formula was used to calculate my new APR, but nobody will tell me any of specific factors that were used to calculate my individual risk. I checked my credit report and have no negative marks in my entire history, have a great credit score, and am in the lowest possible risk-group. I can't help but think that they raised my rate because I paid my balance down and they were no longer able assess such large finance charges. Is this allowed?

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?

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.

In order to pay immediately they said I had to give them my checking account number which I would not do and mailed them half the amount so far, but it will not help me now since I went to renegotiate my mortgage and was denied. It is so obvious why they didn't contact me and that is because they kept squeezing late fees and exorbitant amounts from my daughter. I have reported them to the FTC and feel this is a company that is the poster company for abuse of customers. I would never ever deal with them again and will tell everyone I know about how unscrupulous they are

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.

They have called me many times and I have asked them not to call me at work, but they could call me on my cell phone. They have disreguarded my request to not call me at work. Today when I returned from lunch there was a message from one of the Watch Sgt. that Mr. Bell had called and would like for me to call him back; I did return the call from my cell phone and spoke to Mr. Bell who then threatened me and I in turn told him that I was recording the call from my cell and that he just threatened me and I was no longer going to talk to him, and ask for him not to call my work again then I hung up the phone. I don't have a problem with dealing with them as far as trying to take care of the bill that I owe but I don't have to take the rude behavior that this company has displayed.

I work for the Sheriff's Dept. and I answer the phones I can't be conducting personel business on the company phone and I have explained this to them many times. I've been warned at work about the calls and have asked FIA not to call on the company line to call me on my cell phone, which they have not done.

Hike in interest rate (no late payments). Told I can either close account or assume higher interest rate. If I close acct. it will put my credit in poor standing. Is this against the law?

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.

A rate increase on my balance from 5.99 percent to more than 11 percent for no plausible reason.

Fia credit card raised my interest rates from 0% to 26.99% in 3 months.

I do online banking. My bank sends the payments every month to my vendors. I this case the min payment changed to $67 and my bank sent only $50. According to Leonard (FIA's Rep.) My promotion rate of 0% apr changed end of September causing the chane in min payment. Unfortunalety, I moved and didn't get to see the bill. But my bank kept making the $50 payments in November and December. I was charged $70 due to "late payments" when I was only short $17. on top of that they change my rate to a default rate of $26.99%.

I'm past due on 3 credit cards from Fia Cards Services. On November 28th, 2008 a Julie called me at work to offer me a settlement I ask here what kind of settlement it was a reduction of the amount of money that I owe. I said that it was very interesting but I have to see if I can come up with the money and that I will call her back in a few days. On the 29th of November without my authorization she took 3 payments from my Bank of America checking account one for 453.00 another for 413.00 and another 217.00 at that time my checking account balance was 667.00, now after those payments were cleared ( even without the money in that account and after 4 charges of 35.00 each for overdraft my checking account is minus 553.00.

I call BOA customer service and they told me to call the fraud department, when I called the fraud department all they did was transfering me to the credit card department. I have tried to get in touch with Julie but so far I was not able and every other person that I spoke there is telling me that they can't do anything about it that the only one is Julie.

My complaint is against FIA credit card services who increased my 7.9% APR on a balance transfer to 21%. I've had the balance since a couple of years and have never been late on the minimum payment, in fact, I have paid more than the minimum to reduce the debt. Their reasoning is that since I have balances on other cards, I am a high risk debtor. Do they have a right to raise the anual percentage even if I've never defaulted on my monthly payments? It doesn't make any sense, they are proving me guilty before a crime is even committed. How do they expect the balance to be payed off if they keep adding on almost the same amount to the original. There should be a law against this. Please advise. thank you for your attention

Obviously the ecnomic damage is that I will never be able to get out of debt even though I am trying to pay it off regularly.

Interest rate jumped from 10.49 to 19.99 I have a credit score of 757 on all 3 bureaus. My harkins told me it was increased because I was deemed a credit risk...in these economic time when the FED is cutting rates banks can just double the rate ???

Doubling interest rate reduces available cash

Pay credit card off June 2007 in full and closed acct. Six months later I was sent a bill for $400.00. Ask Why and was told audit was done. Didnt understand how and why on a closed acct. I am a military retiree and went to base legal and sign rights over for them to handle. FIa would not contact the lawyer or send a copy of the chargers other than saying that I owed $400.

They put this on my credit report I sent the credit report agencey a copy of pay off and $000.00 balance of acct. They said they do not accept statements they go by the Agency only FIA. We ask for full report of acct and FIA Refused to acknowledge or send. They have not sent to a collection agency either so with refusal of sending a report. Something is not correct so I refuse to send and do anything under circumstances.