Bank Of America / FIA Card Services

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Category: Business & Finances

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Bank Of America / FIA Card Services Reviews

Yvonne790 August 18, 2009

Credit Card Company Abuse

I am writing because I was abused and disrespected by FIA Card Services. I have a credit card with them which had a credit limit of $7, 000. I never have the card at anything more than $2, 000 owed at any given time. I make all payments in time and always 4 to 5 times the minimum amount. Last June they spiked my APR from 7.9% to 16.20%. I called to ask why and whether they could reconsider lowering my APR and credit analyst Eric Kayetano said NO. And not only that, he decreased our credit from $7, 000 to $2, 000 leaving us with an available credit of $180. Not only that, he also told us that he should close our account immediately and that we're lucky he didn't do it. I'm 67 years old and have never been so grossly disrespected by any company as they did today. Me and my whole family are appalled at this company's unfair and ABUSIVE practices.

Yvonne Guardiola
[email protected]

January 23, 2008

Raising interest rates for no good reason!

Three years ago I opened a credit card account with Bank Of America. My original agreement was an interest rate of 0% for twelve months then after the interest would be 8.9%. Well after just 9 months my interest rate went from 0 to 12.9 %. Then on month 12 Bank of America informed me that FIA Card Services would manage my account and that my interest rate would be raising to 14.9 %. Then on month 15 they raised my interest rate to 17.9 % and then again on month 24 they raise it to my current rate of 18.9 %. Now I received a notice that my annual interest rate will be raising to 27.99% because of info contained in my TransUnion Credit Report, I contacted TransUnion to receive a copy of my credit report to find out exactly what info they are basing this interest rate hike on. I have perfect credit according to my local bank that I have loans with. I have never missed a payment or been late with a payment to Bank OF America. This whole experience with BOA and FIA has been deplorable. I have an account with Discover Card and I have had an excellent experience with them so far. I would not recommend Bank Of America to anyone. Loan Sharks for sure!