- Report: #132383
Complaint Review: Fnab Fleet Credit Card Services / Boa In Columbus Ga Credit Card Services In Wilmington Del - Wilmington Del Delaware
-
Author Confirmed
Why?
Fnab Fleet Credit Card Services / Boa In Columbus Ga Credit Card Services In Wilmington Del
Credit Card Services, Pobox 15045 Wilmington, Del 19850 Wilmington Del, 19850 Delaware, U.S.A.
Phone:
866-7210337
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Fnab, Fleet Credit Card Services Boa In Columbus Ga, Credit Card Services In Wilmington Del exorbitant interest, lousy cust svc, boiler room tactics, unreasonable policies, no way to track compahy doings, no recourse Wilmington Del cypress, california
It all started with one of those innocent looking mailer things from FNAB, and this story is only a bit similar to one of the other reports on this ripoff report site. i donh't have good credit, but i can still pay my bills, except for the ripoff tactics that ended up being used on me. At some point, the account was transferred to Fleet (po box 1168, Newark NJ 07101-1168), which then turned into B of A.
Interesting how these guys never give a physical address or all the facts about what they are about. if there is a website, it only lies with advertising spin. There's never a place to complain or a way to get real help. but, before FNAB went to Fleet, it wasn't too bad, and i didn't search too hard to find out about them.
FNAB wasn't too bad to deal with, but Fleet was a nightmare in a hurry. It's always different employees, they never know anything you need to know, or have any authority except to do what they want to do, and they are always curt and rude, whether i am nice or yell in their ear. When i do yell in their ear, it's because i know they are lying, but i can't prove it. surely that isn't new, and i'm sure i'm not the only one to do that, upon occasion. They always act superior or smug, especially the male employees.
With Fleet on the phone, it either sounds like a boiler room or a flat out party, not an office that does any business. When i would be late, they'd call, which i don't mind, and for a while they did phone checks, until one bounced. Odd thing is, they still took the same checks in the mail from the same acocunt, after that, and i still have the same account, and have for, gee, twenty years, i think. Same idea for the next new company that Fleet converted my papers to, later, except they are a little more polished about it, or rigidly politically correct, which i abswolutely hate.
About the same time that B of A picked up Fleet, tv ads for B of A were advertising how sensitive they were to their customer's needs. Funny how that never included old accounts bought from other companies that no one wants to hear history on. I have no property to take a loan form, and they know more about me than i do. They prey on people, esp young people, to get them to sign up, knowing the level of consumer apathy and ignorance there is. They're leeches, but do i owe them something, how much something is the question. And somehow, our wonderful politicians have allowed banks to set up corporate HQs in states that have no consumer protection regs. How convenient for people like Fleet, B of A, and the other feeders in the credit card / banking chain. What do they get out of this feeding chain - they must, if they are not helping us?
I have only one other card, with my credit union (OCTFCU), which is still active, but they won't buy Fleet's papers to consolidate. I sincerely wish they would, because these people are actually honest, reasonable, and pleasant to talk to (OCTFCU is in the Santa Ana, California area). Their rates are reasonable, and i can handle both debts together, if i could consolidate at a decent interest rate. All ears are deaf, there.
I have been late on payments, but 21 to 24% interest is more than ridiculous, it's flat robber and extortion. The last Fleet bill i got (jamuary 2005) showed 24%, which defeats any willingness on my part to cooperate with any part them. It doesn't help to pay off the thing, and it insures you can't get out of it, or ever pay it off. They count on the inability of a person to pay a lawyer, or i would have one, by now. But, with the reports on ripoof report, what good would that do?
I am 56, and have put 26 years at my job as a technhician at a local college, and could retire in a few years. I will likely be dead before getting this paid off, at 24% interst. Savings is a joke for me, and i am in a bind with no where to go, except to yell at these people. From what i read on the ripoff report site, i can expect no help by what they do to people who haven't been late, or still have good credit. I'm screwed, glued, and tatooed,e ven though I may have already paid the principle from years back, but they won't run a comparison to see where i stand. I am powerless. There's no Fanny Mae or Ditech for me.
They at Fleet or the new company routinely don't provide answers, or lie about anything they think will get you to pay what they want. I do tell them off, and they order me to calm down, as if that mattered. When Fleet converted the paper to what is now called "Credit Card Services" in Wilmington Del, at another po box, i was not given a written notice. CCS is a generic name that thousands of companies have, by the internet search i did, which makes it impossible to track them on the internet. Why should i trust this new one any more than Fleet or B of A? and how do i know how to check out any thrid party help? Thre isn't a watch dog group for that, either, that i have found. I do not have a printed bill, yet, either, from the new people at CCS. I was past due with Fleet, and i am also sick, at the moment, so my attitude does suck, right now. I am also visually limited, and i do have trouble with tracking my bills because of that. That's not the same as fraudulent.
I live alone, but i do pay my bills, either side of a month usually. I am one of the millions doing juggling. I have had the same job for 26 years, though, have given too much to my workplace in tools and hardware, and have lived in the same city and complex since the eighties, and the current apt since 2001. That kind of stability doesn't matter to people like Fleet and CCS. I don't have a car because my vision won't let me drive. No mortgages, no car bills, no jewels, no stocks, no protfolio, no assetts. I am easy to find, and they know it. My puny identity is at their mercy, of any disgruntled employee in how many companies, by now? I worry about that, a lot.
Any private investigator can get the dope on me real fast, with just my full name - the news shows that, at least once a month. i don't even look at my credit, because i can't do anything with it, anyway. They allow few options for hard working people like me, on the bottom of the credit pile, but who can still pay something on the bill, but never get ahead, now. it doesn't matter if you pay more, because they have ways to adjust the amounts.
Both the inactive card at Fleet and the active on with my credit union were/are close to maxed, and both together sit at about nine thousand, just under the tne thousand most credit help people want to see more than in debt. There is no American Dream for me, and never was, no matter how hard a single woman works, and i still do. And, believe me, it doesn't help to be white or visually disabled. I'm not poor and i don't have a bad attitude, but i didn't see how the money people rigged it so that they always get more dough for immoral reasons.
I have never been able to buy a house, and i have a reasonably good job, but i've always been single, and appratently way too vulnerable. A thirty year mortgage at my age, now, of 56 is less than a figment of imagination. They saw me coming, years ago, and now, i can't get the monkey off my back. How the hell can i afford a lawyer, if i'm paycheck to paycheck on normal stuff? If you ask for lower interest, the only option is a 'hardship deal' for a limited time, but the hoops are ridiculous to jump through. They get you coming and going.
You can't work a straight up deal with money people, especially if you deon't have clout, and i dont. I'll bet i've already paid much of the principle on the original card, which neither Fleet nor the new company wants to talk about. No back history is possible to discuss, and Fleet was amazing for their constant inability to communicate between departments (it's like getting Sprint or a newspaper to stop service)- always adifferent number for this and that, and half of them don't work, or it's the worng pigeon hole. Sprint is another one, i'll write about, later. these people are incredible.
The new people, CCS, after Fleet, recommended 'Consumer Credit Counseling' (800 251 2227), an org that the banks "donate" to as a non profit, that's supposed to 'help' you with your debt. I believe the deck and the lasws are stacked against people like me, including via the Consumer Credit Counseling, which won't answer general questions without having your personal data. i won't give that without knowing what's going on, and i repeatedly told them that. I went through a 20 minute argument with two different people (celest, bridgette) to get a person to call me back the next day (Bill Brannock). they always throw a smooth talking guy in when they want to convince a female to do something. CCS and CCC also kept recommending a man named Clark Howard, whoever the hell that is. No way, i didn't bite for an org that is financed by the same people i'm fighting with.
The last straw is when the new Credit Card Services (stephanie) calls me back and claims i refused to pay the bill, which i did not. I had left the previous phone call the day before with thinking bout which option to take, which were pay by mail or phone, take the hardship deal, or use CCC. here we go, again, twisting my words and the situation to their advantage. Of course, i got mad when lie went on top of lie, and i screamed in her ear as loud as i could. She called back twice, and i told her to stop harassing me. After the last call, i realized i couldn't mail a payment to a place i don't have the address to, so i called back. Stephanie wouldn't just give me the address, she wanted to note whatever on my account, and i'm sure she already knew who i was, anyway. Apparently, the above number always goes to Stephanie (866 721 0337), or did, today. Oh, yeah, asking for a supervisor doesn't work with these guys, and i'm not sure the government will stop them, ever.
When i told the new company in one of the conversations, that Fleet wouldn't do a phone check after one bounced, she saw that on the computer, and said it was past 6 months, but the only way to know if i could do that now, was to start the process. I'd already been around that loop more than three times with Fleet. I saisd to give me the address, but apparently she didn't want to. She eventually did, after we insulted each other. Two women in a credit fight isn't pretty.
I lost it, demanded the adress, repeatedly, and it took three phone calls altogether to get it (POBox 15045, Wilmington, DEL 19850). I want to know who the CEO is, and all the other skinny any other company has to make public. i want full disclosure, honest dealings, and that Good Faith and Fair Practice that contract law speaks of in this country.
Yes, i cussed, yes i yelled, and yes, i am extremely frustrated, never mind very pissed. I either want a reasonable deal or the whole thing written off for the thieves they are. They chose a name that can't be easily traced, and they rigged it so i have no edge or lever at all, under any circumstances. They made it not fair, as if they were always on time and legit with all that they do. From the reports on the rippof site, i'll bet they aren't current on their bills, either. Many bussinesses typically aren't, and i'm suspicious of any bank that's linked to Fleet, CCS, CCC, or B of A.
I want to know if the headquarters for this new CCS outfit is in a state with no regulation to protect the consumer, and i think the AG and our politicians should do something about that. It's time the peon citizen had a chance to be fairly dealt with, and it shouldn't take an act of congress to get daily justice. As it is, i will probably have to work after i retire without this debt, and with a propensity for bronchitis and pneumonia, i don't know how long i can do that. I guess single citizens don't count in this country, and yes, that part of my attitude is hard. It's all i can do to pray for the people in these ripoff institutions, who are jsut as human as i am.
I'm not sure if there is a link to Credit Card Services, so if there isn't, or i don't recognize it, i will choose either Fleet or B of A.
Thank you for listening, and God bless you and your families.
Mary
cypress, California
U.S.A.
Click here to read other Rip Off Reports on Fleet Credit Card Services
Interesting how these guys never give a physical address or all the facts about what they are about. if there is a website, it only lies with advertising spin. There's never a place to complain or a way to get real help. but, before FNAB went to Fleet, it wasn't too bad, and i didn't search too hard to find out about them.
FNAB wasn't too bad to deal with, but Fleet was a nightmare in a hurry. It's always different employees, they never know anything you need to know, or have any authority except to do what they want to do, and they are always curt and rude, whether i am nice or yell in their ear. When i do yell in their ear, it's because i know they are lying, but i can't prove it. surely that isn't new, and i'm sure i'm not the only one to do that, upon occasion. They always act superior or smug, especially the male employees.
With Fleet on the phone, it either sounds like a boiler room or a flat out party, not an office that does any business. When i would be late, they'd call, which i don't mind, and for a while they did phone checks, until one bounced. Odd thing is, they still took the same checks in the mail from the same acocunt, after that, and i still have the same account, and have for, gee, twenty years, i think. Same idea for the next new company that Fleet converted my papers to, later, except they are a little more polished about it, or rigidly politically correct, which i abswolutely hate.
About the same time that B of A picked up Fleet, tv ads for B of A were advertising how sensitive they were to their customer's needs. Funny how that never included old accounts bought from other companies that no one wants to hear history on. I have no property to take a loan form, and they know more about me than i do. They prey on people, esp young people, to get them to sign up, knowing the level of consumer apathy and ignorance there is. They're leeches, but do i owe them something, how much something is the question. And somehow, our wonderful politicians have allowed banks to set up corporate HQs in states that have no consumer protection regs. How convenient for people like Fleet, B of A, and the other feeders in the credit card / banking chain. What do they get out of this feeding chain - they must, if they are not helping us?
I have only one other card, with my credit union (OCTFCU), which is still active, but they won't buy Fleet's papers to consolidate. I sincerely wish they would, because these people are actually honest, reasonable, and pleasant to talk to (OCTFCU is in the Santa Ana, California area). Their rates are reasonable, and i can handle both debts together, if i could consolidate at a decent interest rate. All ears are deaf, there.
I have been late on payments, but 21 to 24% interest is more than ridiculous, it's flat robber and extortion. The last Fleet bill i got (jamuary 2005) showed 24%, which defeats any willingness on my part to cooperate with any part them. It doesn't help to pay off the thing, and it insures you can't get out of it, or ever pay it off. They count on the inability of a person to pay a lawyer, or i would have one, by now. But, with the reports on ripoof report, what good would that do?
I am 56, and have put 26 years at my job as a technhician at a local college, and could retire in a few years. I will likely be dead before getting this paid off, at 24% interst. Savings is a joke for me, and i am in a bind with no where to go, except to yell at these people. From what i read on the ripoff report site, i can expect no help by what they do to people who haven't been late, or still have good credit. I'm screwed, glued, and tatooed,e ven though I may have already paid the principle from years back, but they won't run a comparison to see where i stand. I am powerless. There's no Fanny Mae or Ditech for me.
They at Fleet or the new company routinely don't provide answers, or lie about anything they think will get you to pay what they want. I do tell them off, and they order me to calm down, as if that mattered. When Fleet converted the paper to what is now called "Credit Card Services" in Wilmington Del, at another po box, i was not given a written notice. CCS is a generic name that thousands of companies have, by the internet search i did, which makes it impossible to track them on the internet. Why should i trust this new one any more than Fleet or B of A? and how do i know how to check out any thrid party help? Thre isn't a watch dog group for that, either, that i have found. I do not have a printed bill, yet, either, from the new people at CCS. I was past due with Fleet, and i am also sick, at the moment, so my attitude does suck, right now. I am also visually limited, and i do have trouble with tracking my bills because of that. That's not the same as fraudulent.
I live alone, but i do pay my bills, either side of a month usually. I am one of the millions doing juggling. I have had the same job for 26 years, though, have given too much to my workplace in tools and hardware, and have lived in the same city and complex since the eighties, and the current apt since 2001. That kind of stability doesn't matter to people like Fleet and CCS. I don't have a car because my vision won't let me drive. No mortgages, no car bills, no jewels, no stocks, no protfolio, no assetts. I am easy to find, and they know it. My puny identity is at their mercy, of any disgruntled employee in how many companies, by now? I worry about that, a lot.
Any private investigator can get the dope on me real fast, with just my full name - the news shows that, at least once a month. i don't even look at my credit, because i can't do anything with it, anyway. They allow few options for hard working people like me, on the bottom of the credit pile, but who can still pay something on the bill, but never get ahead, now. it doesn't matter if you pay more, because they have ways to adjust the amounts.
Both the inactive card at Fleet and the active on with my credit union were/are close to maxed, and both together sit at about nine thousand, just under the tne thousand most credit help people want to see more than in debt. There is no American Dream for me, and never was, no matter how hard a single woman works, and i still do. And, believe me, it doesn't help to be white or visually disabled. I'm not poor and i don't have a bad attitude, but i didn't see how the money people rigged it so that they always get more dough for immoral reasons.
I have never been able to buy a house, and i have a reasonably good job, but i've always been single, and appratently way too vulnerable. A thirty year mortgage at my age, now, of 56 is less than a figment of imagination. They saw me coming, years ago, and now, i can't get the monkey off my back. How the hell can i afford a lawyer, if i'm paycheck to paycheck on normal stuff? If you ask for lower interest, the only option is a 'hardship deal' for a limited time, but the hoops are ridiculous to jump through. They get you coming and going.
You can't work a straight up deal with money people, especially if you deon't have clout, and i dont. I'll bet i've already paid much of the principle on the original card, which neither Fleet nor the new company wants to talk about. No back history is possible to discuss, and Fleet was amazing for their constant inability to communicate between departments (it's like getting Sprint or a newspaper to stop service)- always adifferent number for this and that, and half of them don't work, or it's the worng pigeon hole. Sprint is another one, i'll write about, later. these people are incredible.
The new people, CCS, after Fleet, recommended 'Consumer Credit Counseling' (800 251 2227), an org that the banks "donate" to as a non profit, that's supposed to 'help' you with your debt. I believe the deck and the lasws are stacked against people like me, including via the Consumer Credit Counseling, which won't answer general questions without having your personal data. i won't give that without knowing what's going on, and i repeatedly told them that. I went through a 20 minute argument with two different people (celest, bridgette) to get a person to call me back the next day (Bill Brannock). they always throw a smooth talking guy in when they want to convince a female to do something. CCS and CCC also kept recommending a man named Clark Howard, whoever the hell that is. No way, i didn't bite for an org that is financed by the same people i'm fighting with.
The last straw is when the new Credit Card Services (stephanie) calls me back and claims i refused to pay the bill, which i did not. I had left the previous phone call the day before with thinking bout which option to take, which were pay by mail or phone, take the hardship deal, or use CCC. here we go, again, twisting my words and the situation to their advantage. Of course, i got mad when lie went on top of lie, and i screamed in her ear as loud as i could. She called back twice, and i told her to stop harassing me. After the last call, i realized i couldn't mail a payment to a place i don't have the address to, so i called back. Stephanie wouldn't just give me the address, she wanted to note whatever on my account, and i'm sure she already knew who i was, anyway. Apparently, the above number always goes to Stephanie (866 721 0337), or did, today. Oh, yeah, asking for a supervisor doesn't work with these guys, and i'm not sure the government will stop them, ever.
When i told the new company in one of the conversations, that Fleet wouldn't do a phone check after one bounced, she saw that on the computer, and said it was past 6 months, but the only way to know if i could do that now, was to start the process. I'd already been around that loop more than three times with Fleet. I saisd to give me the address, but apparently she didn't want to. She eventually did, after we insulted each other. Two women in a credit fight isn't pretty.
I lost it, demanded the adress, repeatedly, and it took three phone calls altogether to get it (POBox 15045, Wilmington, DEL 19850). I want to know who the CEO is, and all the other skinny any other company has to make public. i want full disclosure, honest dealings, and that Good Faith and Fair Practice that contract law speaks of in this country.
Yes, i cussed, yes i yelled, and yes, i am extremely frustrated, never mind very pissed. I either want a reasonable deal or the whole thing written off for the thieves they are. They chose a name that can't be easily traced, and they rigged it so i have no edge or lever at all, under any circumstances. They made it not fair, as if they were always on time and legit with all that they do. From the reports on the rippof site, i'll bet they aren't current on their bills, either. Many bussinesses typically aren't, and i'm suspicious of any bank that's linked to Fleet, CCS, CCC, or B of A.
I want to know if the headquarters for this new CCS outfit is in a state with no regulation to protect the consumer, and i think the AG and our politicians should do something about that. It's time the peon citizen had a chance to be fairly dealt with, and it shouldn't take an act of congress to get daily justice. As it is, i will probably have to work after i retire without this debt, and with a propensity for bronchitis and pneumonia, i don't know how long i can do that. I guess single citizens don't count in this country, and yes, that part of my attitude is hard. It's all i can do to pray for the people in these ripoff institutions, who are jsut as human as i am.
I'm not sure if there is a link to Credit Card Services, so if there isn't, or i don't recognize it, i will choose either Fleet or B of A.
Thank you for listening, and God bless you and your families.
Mary
cypress, California
U.S.A.
Click here to read other Rip Off Reports on Fleet Credit Card Services
1 Updates & Rebuttals
Mary
cypress,California,
U.S.A.
it will take an act of God to get anywhere with these people, who LIKE being theives. It's part of their power trip
#2Author of original report
Mon, May 09, 2005
I want to apologize for typos, etc., in the original story and this update. As many times as i read the thing, i found typos in the printout i did, after i submitted it, of course. Having limited vision and carpal tunnel in both hands doesn't help one type on the fly well, even if I do know how to touch type. Also, the not so level emotions don't help with grammer in the story telling, or spelling, which i know failry well. Well, now, it's May, 2000, and not much has changed, except i learned a couple of things about this creditor. Not paying the bill for three months got their attention, and they did get more polite on the phone, when i explained that buying a house at my age of (56) and salary (50K/yr) is ridiculous, as a single woman, and that since i can't drive, buying a car is out of the question. After awhile, screwed credit doesn't mean a lot. I asked them what if i died, or did myself in? They got nicer, but not less insistent, as you will see below. To make this shorter, i decided to keep my one phone line on the computer more often than not, so, of course they started calling me at work, and i did my best to avoid them there, although, they did catch me, eventually. However, by that time, my tax refund came in, and i made a partial payment, but they won't make a reasonable deal. They also are determined to get the three months amount. They kept calling after i went thrugh the hardship explanation and the partial payment cleared that was supposed to hold the lid on for a month. Right. They also still lie, as a rep assured me i could reach her for further arrangements. She wouldn't give an extension number, and calling the same number got someone else. I also notice the number is different every time they leave a message. Obviously they have a rotational system, which must be real cheap if each individual doesn't have a real extension number. Figures. I bet these people aren't paid much, or told how valuable customers are when they have complaints. Some actually listen, but nothing materially changes. Ergo, problem same remians. When i tried to get the same rep back, two days later, the next rep i got claimed not anyone knew that name (jamie, with a deep carolina accent), including the so-called supervisor i asked for, and that there were 300 employees in the facility. Right. Do they need that many to keep all the lies straight, or to runaround all the complaints? You NEVER get the same person twice, so maybe there really is 300 poor unfortunate people working there. I've even asked some of them how their consciences can stand all the lying, and why did they pick this company to work for. They get offended on that one. Wonder why ... jobs must be scarce in that part of Georgia. What i learned is that Credit Card Services is Fleet Credit Card Servicees. I found that out when I answered one of their calls, and we went through the phone check process routine, again. I finally discovered why the mailed checks to Fleet clear, but the phone checks do not. One of my sets of checks had come with a "41" in the bank/routing number instead of a "40", and that did it. Somehow, between me and them, the wrong number crept in, after i had done some phone checks with them. Now, the fault is all mine, according to them, of course. My checking account bank (OCTFCU) knew who i was for mailed checks, but computers doing the electronic thing didn't. In other words, i didn't bounce any checks, as Fleet claimed, and they almost had me believing that, except i couldn't find evidence of that. True or not is the same to Fleet, once they think one has bounced. That's the second thing i learned, or, should i say confirmed. After some 'conversation', the checking numbers got changed, and the danged thing went through in a day. Guess what my account statement showed for the electronic transfer? FLEET, not Credit Credit Svcs! Right. While i was on a roll with an actually nice person (at Fleet?), i asked for a street address for the corporate HQ. No soap. I've done that three times, now, at least. I only got a p.o. box in Columbus, Ga. Well, BOA isn't regulated in Georgia, and BOA owns Fleet. Nice. I also asked for the name of the CEO or CFO, and no soap, either. They have a list of magic phrase names you can send letters to, as in "cease and desist" for phone calls, "customer Service" (for getting the cycle date changed, etc.). Which brings me to the topic of cycle dates. I didn't know that is what it is called, which is the date the bill is DUE, not sent. THEY determined the when the cycle date is, without asking me. I wouldn't be suprised if they looked up when i was paid and made it so i would always be late. I recall more than one conversation (unprovabe, of course) where i asked for the due date to be changed to something after the tenth of the month, since i am a government employee. I am paid twice a month, and the 25th check goes for rent, period. All the other bills come out of the 10th of the month check. Seems simple to me, but no diff to them. I've explained that till i'm blue, but they claim i have to call this other number, instead of the current person on the horn doing it on that computer. I have to call an 866 number to change the cycle date, or do whatever else they call Customer Service. I'm tired of calling different numbers, always talking to different people, when they are too damned cheap to set it up right. I told them that. No diff. They do what they want to do, and that's all they do. Will i call the number? Maybe when i quit cussing, which doesn't do any good, either. I am beginning to understand why people shoot themselves over stuff like this. It isn't the money, it's the way they drive you crazy. So, the poor slob who doesn't know all the tricks, have time or money to do all the hoops, and complaint sites on the net show it's a real b***h to get any bank to strainghten up its act, EVEN AFTER LITIGATION IS SUCCESSFUL, class action or not. After what i've read,i don't think i'll live long enough to get anywhere with these thieves. Please pray for all the problems these companies cause, because it will take an act of God to get anywhere with these people, who LIKE being theives. It's part of their power trip, i think. IS THERE AN HONEST BANK? I DON'T THINK SO. And, oh, yeah, my cchecking account credit union (OCTFCU) won't consolidate my credit because of the Fleet crap, and THEY won't listen to why that is. EXPERION, EQUIFAX, AND TRANSUNION REIGNS. FOREVER !!!!!!!!!!!!!!!!!!!!!!
