FIA Card Services - What are the key complaints against them?
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FIA Card Services, National association is a wholly-owned subsidiary of Bank of America Corporation. Based in Wilmington, Delaware, FIA Card Services processes credit cards on behalf of Bank of America.
However, customers/debtors do not seem to be satisfied with FIA credit card services. That's what can be found from their feedback about the company in our forums. Check out the topic given below to know what the customers are saying about FIA Card Services:
- FIA Card Services - Why are debtors complaining?
FIA Card Services - Why are debtors complaining?
Here's what they have to say about FIA Card Services:
- FIA and fake authorization: FIA is reported to have taken out money from consumer accounts without their authorization. They have been doing this in 2 ways:
- FIA has faked phone-authorized checks with the customer's bank account name and account number in order to remove money from the checking account.
- FIA is reported to have written an unauthorized check from a customer's account, used his address and account numbers, and changed his last name to someone else's first name in order to withdraw money illegally from the customer's account.
- Tapping personal accounts: FIA Card Services is said to have withdrawn money from the personal accounts of those who've used their services even when they haven't been late on payments. For instance, they withdrew $2000 from a debtor's personal account when he was only behind by $470.
- Payment plan disputes: FIA card services and Bank of America seems to be involved in payment plan disputes as well. For instance, they may offer you a payment plan if you're unable to pay off your student credit card debt. But FIA may suddenly stop withdrawing payment out of your account and send you a letter stating that they need you to restructure payments.
Now, when you call up the company to verify whether they need you to restructure payments, they might say that you should simply ignore the letter. If you're unlucky, well then, after 2 weeks when you're still waiting for their response, you may find yourself charged with late fees and penalty simply because you haven't restructured payments. But it isn't your fault because you've been asked to ignore the letter by the company representative.
- High fees: Debtors complain about FIA Card Services creating transactions (without notice) that may result in high fees.
If you've been dealing with FIA Card Services, and you need legal help, you should contact an attorney or file a complaint with the FTC ("https://econsumer.ftccomplaintassistant.gov/") and your State Attorney General. If you've been through a bad experience with the company, feel free to post below and share your experiences with the community here.
How can you contact FIA card services?
You can contact customer care service of FIA at:
- FIA Card Services
- P.O Box 982237
- EI Piaso, TX 79998-2237
Sub: FIA Card Services - What are the key complaints against them?
Sat, 13/09/2008 13:13