I get 10 calls a day from this company it always begins with this is not a sales call then slowly proceeds into one . I have seen as many as 10 calls a day on my caller id and they have NO respect of other peoples time
the last thing I want to do when I get home is listen to some person who can't get out of bed before the sun goes down trying to sell me crap,
I have told them to remove me from there calling list, and instead they increase the calls per day . I am at the point of filing a law suit to get there attention this company is by far the worst to get a call from . I m sure that I am not the only one getting these calls I am on the do not call registery and yet they still call What does it take to get it accross to these idiots not to call ?

I would like to vent a story than happened to me today concerning my Regions Bank overdraft protection credit card issued by FIA Card Services. Basically, it is about my encounter with a bitter, seemingly evil "credit specialist" that I spoke to on the phone.

I called and initially I spoke to a very friendly guy and I told him that I wanted to increase the credit limit on my card from 2500 to around 5000. The card had a zero balance, had only a couple of times had a balance over 100 dollars, and had never been paid late in the year or two I've had it. I told the associate that I wanted the limit increase so that I could take advantage of a low balance transfer rate promotion that was on the website. I have a Citibank card with a higher APR and a balance of around 8400 dollars on it, half of which I plan to wipe out with a student loan that's about to go through. The guy says that sounds great and he would be happy to do a balance transfer over the phone in the amount of 2000 dollars because that would make it more likely that I would get the limit increase if they knew that's what I was using it for. I said that was just fine and he said that he would have to transfer me to a credit specialist in order to approve/deny me the limit increase. He said that it would be a conference call so that he could explain my situation and try to get me what I was wanting.

I held for maybe 10 minutes and the same guy answered and said the credit specialist was on the line with us. I said hello and the specialist said nothing to me and instead said to the first guy, "yeah OK, hang up now." Well, OK, I thought, I guess the specialist didn't like that guy. The specialist then starts rapid firing very specific questions about my finances at me. Of course I expected some questions but this guy made it sound from the get-go that he had no intention of giving me anything I wanted and was far from friendly in his tone. For example, he asked me about my liquid assets and I asked if that included things like a 401k, to which he replied, in a hugely sarcastic manner "No, SIR, that is not a LIQUID asset. A LIQUID asset is something you can spend NOW. You need to have LIQUID assets." For some unknown reason, he just seemed to be trying to find fault with every answer I gave him. I know he has to really assess my ability to pay his company, but he didn't have to belittle me with his tone, sarcasm, and disregard for me as an imperfect human.

Now, I understood before I called that there was every possibility that I would get turned down due to my credit score or whatever, and I was prepared for that. However, he then puts me on hold, apparently to think about what he would do to me, and returns after awhile with an even worse tone and says to me, "Now, SIR, I have to tell you, not only can I not approve you a limit increase, but I see no other option but to close this account immediately." I was completely shocked and asked why he would think that was necessary, to which he replied that I had 8400 dollars of debt and for my income this was too much for him. Fine, I said, but I didn't even want 8400 dollars of credit. I wasn't even buying anything. I just wanted a transfer. Also, the first guy had already approved my balance transfer of 2000 dollars. Well, this second guy decides that he is cancelling that and fully closing my account apparently just to be mean. Keep in mind that I've never been late on a payment on anything ever in my life and that this card had a zero balance on it for months at a time.

I should also mention the origin of this account. It is a card that is used as a safety net in case of overdrafts from my checking account. So, it is a useful account besides any balance transfer stuff. Well, this guy doesn't care about that and says that he is in effect also cancelling my overdraft protection on my checking account, as opposed to maybe just lowering my credit limit. I can't believe that this guy would treat me this way with no real good reason and while I'm trying to think of a response to this without going crazy on the phone, he gives a very curt farewell and then effectively hangs up on me. I sat there for a couple of minute playing this scenario back in my head, trying to figure out what this guy would have absolutely zero interest in me as a human being and all I can conclude is that he was apparently evil. My credit score, while not great, is not terrible, I've never missed a payment on anything, I have no obscene debts, no car payment, and I work a decent job that I've had for over 3 years. I understand that nothing will likely come of this, but I felt I had to vent my frustrations and tell people that Regions and FIA Card Services really made me feel like crap today.

WACHOVIA SOLD ITS CREDIT CARD BUSINESS FIRST TO MBNA THEN MBNA SOLD TO FIA CARD SERVICES. MY LATE HUSBAND USED THE CARD. SINCE HIS DEATH, THE CALLS ARE HARASSING, AT ALL HOURS ANY DAY OF THE WEEK, AT HOME, AT WORK, ETC. THEY USE FALSE CALLER ID IDENTIFIERS AND HAVE VIOLATED 15 USCA 1692 IN NUMEROUS WAYS INCLUDING THESE MISIDENTIFIERS, IMPROPER HOURS CALLS, FAILING TO HONOR REQUEST (IN WRITING) FOR NO CALLS. MY NEXT STEP WILL BE TO FILE COMPLAINTS WITH THE FTC.

I NEVER AUTHORIZED ANY OF THE CHANGES OR CHARGES THEY ARE TRYING TO COLLECT THROUGH HARASSMENT AND INTIMIDATION.

I CONTINUALLY GET THESE ANNOYING, THREATENING LETTERS FROM THIS COMPANY WITH AN ACCOUNT NUMBER ON IT THAT'S NOT FAMILAR TO ME. I ACTUALLY RECEIVED ONE VIA FED-EX EXPRESS TODAY. WHO ARE THEY?

After holding a credit card for more than 20 years with this company, my rate was increased to 20.99% without warning and for no reason. In the more than 20 years I have held this card, I have always paid on time, never late, no missed payments, no overlimits, no returned checks, NOTHING except loyalty and excellent payment history. My credit scores are high 7's low 8's with the bureaus.

I called to discuss the sudden jump in my rate. The first customer "service" associate I talked to told me that that was the rate and there was nothing that could be done about it. Further, when I asked to be transferred to a supervisor or a customer retention agent, the haughty young man told me that he was the last word and that no one in the organization would talk to me about the rate increase.

Of course that is not true, the consumer has the right to be transferred to a supervisor or another associate in this situation.

I hung up and called back. This time I asked for customer retention and was transferred to a manager. Unfortunately, I was told that the rate was the best the company could offer.

I asked to speak to customer retention and was transferred. The customer retention "service representative" thanked me for being such a good and loyal customer for more than 20 years and said that the rate was their best.

Sadly, I do not believe that anyone at this company cares! I am voting my displeasure by closing my account of 20 years! Pity that this is SERVICE at its finest.

I suggest all customers who have been Rate Jacked call or write their Senators and Congressmen to urge Congress to bring the hammer down HARD on these unfair and usuary rates.

I also hope all the nice folks who work in the credit card division of BOA enjoy my tax payer bail out money!