- Report: #3455
Complaint Review: Frist USA - TEXAS
Reported By:
-
Tempe, Arizona,
Submitted:
Fri, September 29, 2000
Updated:
-
Author Confirmed
Why?
Frist USA
TEXAS, U.S.A.
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Charging above 25% for any reason.
Offering a 'fixed' interest rate, then raising rates once the customer has built a balance.
Receiving and holding customers' payments until they can apply a late fee.
Mishandling customer disputes by failing to investigate, attempting to collect disputed funds, charging late fees and interest on disputed funds, and reporting disputed funds as non-payment to credit bureaus.
Not notifying customers of changes in the cardmember agreement, notifying them by printing changes in fine print on unrelated promotional material -- for example, those throw-away ads that are stuffed in the envelopes with the bills.
Mishandling balance transfers.
Adjusting billing delivery and date-due cycles to make it more likely a customer will pay late and incur a fee or trigger a rate increase.
Telemarketers charge customers' accounts for products they did not agree to buy.
Failing to respond to letters of inquiry.
Raising APR based on credit report information that was essentially unchanged or improved since the First USA account was established.
Removing a mistaken late fee but using the "forgiven" late fee as a reason to increase APR later.
Failing to make an ordered electronic transfer, or failure to make it on time, or failing to credit it on time, or failing to make it in the appropriate amount.
Reopening closed accounts, charging items on closed accounts.
Selling customer information long after the customer relationship is terminated.
This list is taken from the Hall of Shame and current discussions where, in the customers opinion, First USA acts or acted, if not unlawfully, at least deceptively or improperly.
We know that Bank One has lawyers that guide their business practices. We have observed that many of the complaints about First USA's practices involve their propensity to ride the fine lines between lawfulness and fairness. We have observed that customers generally desire to do business with companies they can trust to be fair and honest.
Offering a 'fixed' interest rate, then raising rates once the customer has built a balance.
Receiving and holding customers' payments until they can apply a late fee.
Mishandling customer disputes by failing to investigate, attempting to collect disputed funds, charging late fees and interest on disputed funds, and reporting disputed funds as non-payment to credit bureaus.
Not notifying customers of changes in the cardmember agreement, notifying them by printing changes in fine print on unrelated promotional material -- for example, those throw-away ads that are stuffed in the envelopes with the bills.
Mishandling balance transfers.
Adjusting billing delivery and date-due cycles to make it more likely a customer will pay late and incur a fee or trigger a rate increase.
Telemarketers charge customers' accounts for products they did not agree to buy.
Failing to respond to letters of inquiry.
Raising APR based on credit report information that was essentially unchanged or improved since the First USA account was established.
Removing a mistaken late fee but using the "forgiven" late fee as a reason to increase APR later.
Failing to make an ordered electronic transfer, or failure to make it on time, or failing to credit it on time, or failing to make it in the appropriate amount.
Reopening closed accounts, charging items on closed accounts.
Selling customer information long after the customer relationship is terminated.
This list is taken from the Hall of Shame and current discussions where, in the customers opinion, First USA acts or acted, if not unlawfully, at least deceptively or improperly.
We know that Bank One has lawyers that guide their business practices. We have observed that many of the complaints about First USA's practices involve their propensity to ride the fine lines between lawfulness and fairness. We have observed that customers generally desire to do business with companies they can trust to be fair and honest.
3 Updates & Rebuttals
I agree with the terrible practices of FIRST USA BANK
#20
Mon, December 24, 2001
They filed the following rebuttal to the above Rip-Off Report: Their email: [email protected] Their name: Krista Cody Their phone number: @[email protected] Their relationship to the company: Consumer Suggestion Rebuttal: I agree with the terrible practices of FIRST USA BANK. My husband had a credit card from Chevy Chase Bank in Alexandria, VA. They changed over to First USA. When they changed I called to get my available balance over the automated system. His crediot limit was $500 with Chevy Chase and with First USA we were given a credit increase of $2000, making our available credit $2500. I put my college tuition on it along with books, etc. and ultimately maxed out my card. A couple weeks later we are informed that He's over his credit limit by $2000. The only help they offered was to put us on a payment plan without charging an over the limit fee and an interest rate lower than we were paying. I took the offer. The plan has ended and we are now being charged an overlimit fee and much higher interest rate than ever before. They screwed up by mistakingly informing me on the automated system of an available balance that was'nt so. Not only that but obviously it was available because the charges were accepted for $2000 worth of purchases. Um, Hello?! You're doing me a favor by letting me go on a payment plan for only a scheduled amount of time? You screwed up!!!!
I agree with the terrible practices of FIRST USA BANK
#30
Mon, December 24, 2001
They filed the following rebuttal to the above Rip-Off Report: Their email: [email protected] Their name: Krista Cody Their phone number: @[email protected] Their relationship to the company: Consumer Suggestion Rebuttal: I agree with the terrible practices of FIRST USA BANK. My husband had a credit card from Chevy Chase Bank in Alexandria, VA. They changed over to First USA. When they changed I called to get my available balance over the automated system. His crediot limit was $500 with Chevy Chase and with First USA we were given a credit increase of $2000, making our available credit $2500. I put my college tuition on it along with books, etc. and ultimately maxed out my card. A couple weeks later we are informed that He's over his credit limit by $2000. The only help they offered was to put us on a payment plan without charging an over the limit fee and an interest rate lower than we were paying. I took the offer. The plan has ended and we are now being charged an overlimit fee and much higher interest rate than ever before. They screwed up by mistakingly informing me on the automated system of an available balance that was'nt so. Not only that but obviously it was available because the charges were accepted for $2000 worth of purchases. Um, Hello?! You're doing me a favor by letting me go on a payment plan for only a scheduled amount of time? You screwed up!!!!
I agree with the terrible practices of FIRST USA BANK
#40
Mon, December 24, 2001
They filed the following rebuttal to the above Rip-Off Report: Their email: [email protected] Their name: Krista Cody Their phone number: @[email protected] Their relationship to the company: Consumer Suggestion Rebuttal: I agree with the terrible practices of FIRST USA BANK. My husband had a credit card from Chevy Chase Bank in Alexandria, VA. They changed over to First USA. When they changed I called to get my available balance over the automated system. His crediot limit was $500 with Chevy Chase and with First USA we were given a credit increase of $2000, making our available credit $2500. I put my college tuition on it along with books, etc. and ultimately maxed out my card. A couple weeks later we are informed that He's over his credit limit by $2000. The only help they offered was to put us on a payment plan without charging an over the limit fee and an interest rate lower than we were paying. I took the offer. The plan has ended and we are now being charged an overlimit fee and much higher interest rate than ever before. They screwed up by mistakingly informing me on the automated system of an available balance that was'nt so. Not only that but obviously it was available because the charges were accepted for $2000 worth of purchases. Um, Hello?! You're doing me a favor by letting me go on a payment plan for only a scheduled amount of time? You screwed up!!!!
Featured Reports
Reports & Rebuttal