I filed Chapter 7 bankruptcy in January 2003 that included MBNA America. I received the discharge of debtor in June 2003 and I am once again getting a collection letter from Media Recovery Center (whose info is listed above) for this particular debt that was discharged. I am once again mailing off the bankruptcy papers that MBNA received back in 2003.
Consumer Complaints & Reviews
I have had an MBNA credit card since 1993 (18 years). Recently, my account was closed without my permission. The account is/was in good standing and I am the only authorized user.
I have attempted to contact them by phone and chat messages, without any results. I have been told the customer service representative who closed the account must have made an "error". No one will tell me how another application will impact my credit.
On January 15, 2010, I received a letter from MNBA White Sox credit card stating that they had closed out my credit card. This is a credit card I have held for more than 10 years and have paid off on three different occasions, when my balance was $4,000 or more. I thought I had such a good standing with the company because for a number of years they raised my limit to $23,300. Until March of 2009 when the company sent me a letter stating that they were lowering my line of credit to $11,000 because they reviewed my account and realized they have been too generous in the past with their line of credit. This I excepted at the time because of the economy, which I was told was their main reason. I dealt with the cut in the credit line because of the economy but I am having a hard time with the company dismissing me as a long time, good standing customer because of the economy.
Well, the reason they gave was because I have an outstanding mortgage loan. I could accept this if my mortgage was behind or my home pending foreclosure but it's not. In fact, when I purchased my home in 1994 for $62,900, there have never been any missed or late payments. I currently owe $39,000 on my mortgage and eight more years to pay on my home. In fact, they have this on my main screen of my account. Now when I look up my account online, as the reason my account was closed out. Then I was told that I could apply for the card at a later time and they will revisit my account and reconsider opening my account. Why? Should I? In fact, I don't see any reason why anyone I know that I have talked about MBNA cards with, and they've decided to apply for one over the years should continue to carry this card.
I am upset and very disappointed with the way MBNA handled this situation of a valued important customer. And because of this closure of my account when I've attempted in the past week to apply for other cards, I have been denied because they are looking at the closure of this card and not knowing that it was closed not due to any fault of my own. And lastly, when I attempted to contact customer service to obtain a phone number and address to the corporate office of MBNA, I was told, after being put on hold 3 or 4 times and a lengthy amount of 20 minutes, that there was no phone number to the office. I am very disappointed at the way MBNA decided to handle my account and a valued long time customer.
They are double billing me every month.
my account was closed because i was unemployed. they believed because i was unemployed i could not pay my bill. so my account was closed.
When I closed out my account they didn't tell me I would have to stop the payment taken out of my checking account prior to closing the account. They gave me a temporary passcode and said I could go in and stop payments coming out of my checking. I tried to do it and because I closed the credit card account it won"t let me into the account. They tell me they have to open the account.
I talked with Robert (about the fifth person) he was rude and wouldn't let me talk with his supervisor. He told me he couldn't open the account because I might spend some money on it. I told him he could stay on the phone with me and as soon as I stopped the payments coming out, he could close the account again. He said the best bet for you is to go to your bank and have them stop payment. I asked him to connect me with another customer service employee. He came back on and tried to disguise his voice. I hung up and called back. I was given another 800 number to call.
I waited on the line for 45 minutes to talk with another credit analysis. This is causing me extreme emotional distress. I can not afford to have my money tied up this way. I have taken out a loan to pay this off because they would help me with the interest rate and I need the money to pay my loan.
I tried debt settlement to settle this account. My account was placed with an attorney's office. My original balance was $2000. I made my first payment in April 2008, and I still owe $1041. I have been paying $250 a month since April 2008 to date. I have paid in $3500 on a $2000 account. It seems like at the end of all this, I will be paying $4500 on this account.
My deceased mother and I, held a joint account with MBNA. Argosy Hotel and Casino claims I owe over a thousand dollars. I did not charge my stay to the card, the room was paid in advance always and the dates of the debt were after my departure. Since I dispute the charges I have not paid them. My credit status is subsequently on hiatus. I've suffered a great deal prior to and after my mother's demise and this has been caused by my relatives and their lawyers. My patient forgiveness has ended and I'm ready to "nail them".
On April 4, received a letter from FIA on behalf of MBNA written March 19. The letter reassigns my credit line from $6000 (where it has been for 7 years) to $3200. Currently the balance on the card is $1832, so even slightly below the suggested 30% a consumer is supposed to use a card. Even though I have not been 30 days late to any creditor in going on 3 years, the FIA letter cites an IRS federal lien filing from May 2008 as the reason for having dropped my credit line by 50%. The lien in the amount of $37,500 was paid two days after it was filed. In fact, my divorce attorney believed that he had 90 more days to file his paperwork and he did not anticipate the lien being filed. The lien came about because my ex filed for alimony on his 2004/2005 taxes - alimony which I declined because I have a good job. Still, I was shocked when the lien was filed, but had the money and paid it off immediately.
The attorney wanted to go through steps to file a lawsuit, but by then my ex and his wife had a home that was in short sale and there would have been no financial benefit to me. Still that fully paid off lien is now a year old, but that's what Bank of America used to drop my credit without warning and without me being anywhere close to my credit limit. I bought a new Mercedes last week and my credit score was 698, not sterling, but still in the good area.
So to recap the facts, you have a single mother with a great job, a homeowner who has never been late on mortgage payments, someone whose former 30 days late to any creditor are now almost 3 years old and a result of a family going from two incomes to one paycheck - making me a single mother putting kids through college paying cash, someone who has never defaulted on a debt in my 55 years. This is unfair and punitive from Bank of America who received a government bailout for making bad decisions and executing public trust poorly. This is my tax money they are using to get out of debt, to which I was not a party to the bank getting there.
Reducing my credit means I may not have available funds for my daughter's grad school or for emergencies. Many, many times in the life of this card, the balance has been $0. If all of BofA's cardmembers were like me, they would not have needed a federal bailout.
This complaint goes back to 2003. I had two credit cards with MBNA. In 2002, I lost my job and was living off of credit cards. I paid all bills with credit cards. My rates were doubled by MBNA because I made a few late payments. I got into serioius trouble with MBNA but they would not help me at all in reducing the interest rates so that I could keep up the payments. The bottom line is that in 2003, my son was able to negotiate with them on my behalf. One account settled for 1/2 of the balance due and the other account (balance due $444) was to be closed and the balance forgiven. I never received a letter from MBNA confirming this, but they did issue me a 1099 for the one account that was settled for l/2.
Over the past 2 years, I have been hounded by two collection agencies. When I sent what little documentation I had to the first agency, they closed their file. I never heard from them again. I am now hounded by a firm called Portfolio Recovery who now wants over $1,000.00. I am currently retired and am on a fixed income from Social Security. If I had any idea that the $444 account was still open, I would have contacted MBNA directly. Can you help me?
My husband passed away 12/29/99. Our account at MBNA was in tact at that time. However, on September 18, 2000, I decided to bank wire two jumbo CD's to my brother's account. I thought all was safe. Recently (2008), my neighbors informed me that David W. H had revealed this transaction and he was working at MBNA at the time. He revealed to them and as a result, may people found out our business. David W. H even told the amount of the CD's. I want this investigated and I also want to know how you plan to handle this matter. To me this is Identity Theft and other things as well. If you think I need your attorney to contact me, please feel free to do so. Thank you.
Emotional and traumatic distress and stripped of all privacy.
I have been harassed by MBNA for the past three years. I closed my credit card account with them and paid in full and final settlement. Every month, however, I received a statement with an amount of money I was alleged to owe. Every month, I called and explained what had happened, and was assured that the error had been found and corrected. the following month I would again receive a statement.
Whenever I called, the agent to whom i spoke had no record of my previous call, and I would have to start the explanation again. I was finally contacted by the law firm of J.A Cambece, who demanded that I owed money. I tried to sort that out, and thought that I had - I sent evidence of the payments to them. Now, I have been contacted again, by a law firm saying they are collecting a debt.
On 12/12/2006 I sent 2,002.00 to Mercantile Adjustment Bureau to settle a claim with MBNA and on 1/02/2007 I sent the remainder of $5,502.00 to pay the claim totally off. Today, January 22, 2009 I received a threatening call from North Star Collection Agency That I owed 4,000. to MBNA. Theis payemnt was for a Carnival Cruise Line Credit Card. I owe nothing on this account. It was paid in full
Same as others---account was changed from Term to a revolving account without any notification. Depending on who you talk to you get a different answer as to why. Account has always been in good standing. Customer service would not allow us to speak to a supervisor.
The finance charge on a $14,000 is $221 a month, we don't know how we will ever pay it off.
I borrowed money to consolidate some credit cards. I did not even have the loan a month before I paid it off. Upon paying off the loan I noticed that I was charged a transfer fee for each credit card transfered. I was never told about a transfer fee and I even asked the rep because I am very aware of how those fees can add up and cost a lot of money.
When I called MBNA I was told the fee is 3% of the payoff. I tried, with no success, to explain I never knew about a transfer fee and the rep said I had to know because it is read to everyone at the conclusion of the loan approval. Plus, she said it was in the loan information part of the application mailed. Well, I read the darn thing and I still can't find it.
I told the rep, "So, I just basically gave you $660 for nothing" and she said "That's right".
My MasterCard and Visa accounts with MBNA have been in dispute since September 2003 due to MBNA reneging on an agreement to reduce my interest rate to 1%. Under the agreement, I made payments for 3 consecutive months at a pre-set level (MBNA obviously documented the agreement, as their representative had the payment amounts for each account in front of them when they called to confirm the payments in June, July, and August 2003). At the end of the 90 days, I was told I had to arrange for automatic debits from my checking account at a higher level than had been agreed upon in order to reduce the interest rate to 1%...and the rate would only be reduced for 12 months.
I told MBNA that I had lived up to the terms of our agreement, and that they were breaking the agreement. I refused to make additional payments, as the interest rate seemed to constantly fluctuate on the accounts--both of which had been inactive for at least 4 years. MBNA now appears to have charged off the balance, and sold the accounts to two different agencies. One agency, out of Buffalo, has sent me written notification of assignment via regular mail. The other agency, out of Houston, claims to have sent written notification (no notice has been received as of 4/21/04).
MBNA cited a total balance of approximately $15,000; the agency out of Buffalo has cited a balance of $10,000. The agency out of Houston has cited a balance of $8.000. Neither agency claims awareness, or concern, that the balance is in dispute, nor could either agency confirm what is the true balance owing. In addition, I have filed one complaint with the Federal Trade Commission regarding MBNA, and two complaints regarding the agency out of Buffalo.
I have a credit card with MBNA. My husband was out of work for some time and we built up quite a bit of credit card debt. I tried to negotiate with MBNA for a lower interest rate since it was so high and difficult to even make the minimum payment which did nothing for the total balance and was told too bad! They were very rude and when I asked to speak with a supervisor was left on hold and never connected with anyone in charge.
I received a phone call from a woman with MBNA America credit card company this evening The woman told me I had a $35 delinquent charge from the previous billing cycle. She told me that, in order to keep it out of collections, I needed to pay the $35 over the phone right then. The only payment she would accept was a debit of my checking account -- so I gave her my account info over the phone. Then she told me they would be adding an additional $18 to my credit-card bill -- this, the cost of their phone call to me.
I got this credit card in June of 2003 as an Apple line of credit. I have made my payments on time (sending in a $250 payment seven or more days before the due date) every month. But MBNA sits on the payment until the due date has passed, and then adds a late fee to the next bill. This has happened repeatedly.
I work for a community newspaper. I bought the paper a $900 software application with my MBNA credit. The paper is writing a check to MBNA (to be applied to my bill) in the amount of $50 a month, until the software is paid off. With the bogus $35 late fee every month, I'm making absolutely no headway on getting the software paid off. And each time they claim I'm late, there's a blip on my credit report. I entered into this arrangement with MBNA in good faith and feel they are deliberately trying to cheat me out of my hard-earned money. I'm keeping up my end of the agreement; they are not.
I have been on a hardship program with MBNA for 3 years. I have multiple sclerosis and may have bone cancer. This year came up for renewal so I called when I received my latest statement asking for $115.00 total, with a "late fee" even though my previous agreed amount of $54.00 was on time. I was told to continue making the $54.00 payments for 4 months and my hardship renewal would automatically "kick in".
Did not occur that way. My latest statement demanded even more, so I rang up MBNA and endured their know-nothing hippity hop game. I had to go through about 10 people, none of whom knew what they were doing. I was disconnected four times. Katie said I MUST go through their financial service debt consolidation program, where I put ALL my other debts to death by using MBNA. I spoke to with Renee and said: NO WAY. I spent over TWO HOURS with several "customer assistance experts" until I finally reached someone named Jeff Snow, who said to pay $56.00 a month, upped for some reason from $54.00. And that he would send me some forms to re-apply for this program. He failed to assure me of acceptance.
When I asked him what would happen if I let it go, if I were an evasive dishonest person, he said it would go to a collection agency and that he had "no idea" of what they would do. Garnish my SSI? Shoot me? What would they do? I have NO ASSETS. I had informed MBNA in writing and on the phone that I was severely disabled and sick and would probably die before I could pay them the $4,236.23 I owe them.
Their response was, "That's your problem." If there's a more convoluted, dishonest, serpentine bank/credit card company, let me know. These people don't know what they are doing, they disconnect me when they run into questions they cannot answer, and are not at all forthcoming in giving TRUE and FACTUAL information that comports with other MBNA representatives.
That they lack compassion is obvious. I almost feel like punishing them as they punish me by sending them 10 bucks a month. Just to see what would happen. I've never been evasive with them, they raise their interest rates whenever they please for no discernible reason and it's PUNITIVE.
I can't really afford the $56.00 they demand. I made a similar deal with CHASE for $35.00. They were super. Physically and emotionally, MBNA's Draconian measures and disorganization were a further drain on my rapidly diminishing health and energy. I am the victim of misinformed, lying customer "assistants" who are assisting me into an even more early grave. Thanks MBNA. Hire some humans once in awhile. I'm exhausted, sick with pain and ready to end it all because of these people.
Deborah raises a good point. Death erases all obligations. Creditors would do well to remember this and at least pretend to be a little compassionate when dealing with those who may be nearing life's end.
