Charged me $30 late fee on a $0 balance and removed 27,000 reward points when I canceled card rewards was closed.

I am so tired of being stuck at the check-out and have my credit card come up as "not authorized". It first started happening at Walmart almost every time I shopped there. I called FIA card services and they said everything was okay and there was no reason it was not approved. Then it moved to TJ Maxx purchases and other stores. I finally called FIA card services and they said it was a security check due to stolen identities. So they suggested I close the account and open another account. So I did that a few months ago. Two days ago, and again today, I was denied approval at the grocery stores in my community. There I am with a huge cart of food for Thanksgiving holidays, and my card shows up "not authorized". Two days ago, I called FIA card services and they said, there was no reason for the denial and proceeded to approve payment. Today it happened again, and I will not spend another 20 minutes on the phone while my groceries sit there and defrost because this company is incompetent. I am really angry because I am a good customer and expect good service in return. It is not fun or convenient to be stuck in this kind of position so often. I would like to totally cancel my dealings with FIA card services and am looking for a credit card company that does not use FIA. Any advise smb!

On July 12, 2007 I made an online payment of $1200 to my FIA Card Services account. For some odd reason, the payment was posted to a closed account I had had with them years ago rather than to my current account. I received a bill on my current account with a late fee for no payment and I received a statement on the closed account with a $1200 credit on it. I called them on July 20th to figure this out. The representative assured me the problem would be fixed right away and they would apply the payment to the proper account. A week later, the $1200 payment showed up on my husband's AAA Visa! On August 10th I made my regular online payment of $400 and again it was applied to the closed account. I called and the rep assured me it would be corrected. On the 17th I received my statements on both accounts. They had subtracted the $400 payment from the previous $1200 payment and then actually charged my closed account with a $800 charge! Still, the proper payment had not been corrected on my current account or my husband's visa! I called back and asked to talk to a supervisor. On August 17th at 1pm, Schloma in payment research assured me all would be corrected. Doubting her, I called again on August 18th and talked to Paulette Gordon at 4:32pm. She told me my accounts would all be correctly credited on the 21st of august. On the 21st they actually transferred the charge of $800 they had created on my closed account to my current account! It was supposed to be a credit! Meanwhile I incurred another late fee for august as they incorrectly posted the payments again. The account numbers were all very different and I cant figure out how they could not correctly post payments by matching an account number! I went into my bank with whom I hold the visa and asked the bank manager for help. She called with me there and reached Sharon Johnson at 11:50am on Aug. 27th who also assured us all would be taken care of. We were on the phone in the bank office for over 2 hours! We talked to Lisa Hay who gave us a bogus phone number and asked us to call her back. We talked to Anne Buoio on Sept. 6th and were told the supervisor would call me back within a few hours. Never heard from anyone! We talked to Nicole Perry on 9/10 who actually did her job and saught out help from supervisors! Thanks Nicole! Finally, on Sept. 12th the $800 was credited to my account and the $1200 was credited also. As of Sept 19th they have yet to credit my late fees! UGH! I AM CANCELING ALL ACCOUNTS WITH THIS COMPANY AND RECOMMEND YOU DO THE SAME!

FIA Card Services offered a settlement payment of $570 which would amount to three monthly payments of $190 on the 28th of each month. An check for $190 was processed on June 28, 2007, but another check for $190 was also processed on June 29, 2007. I attempted to discuss the mistake with an FIA supervisor on three separate phone calls. Twice an FIA representative assured me that a supervisor would call back over a 2 hour timeframe. Finally a representative instructed me to fax bank records documenting the unauthorized payment plus the overdraft fees incurred due to the mistake. After faxing all documents with marked transactions and fees, I followed up with FIA and was then told that the manager was in a meeting all day and would not discuss the matter with me. The FIA error created a negative balance in our bank account and we were told on July 3, 2007 that nothing would be done that day. Banks are closed July 4th and I was told that it would take 72 hours to approve and process the funds back to our account. The problem is that an unauthorized check was submitted. Two FIA representatives told me that I would speak to a manager that could handle the matter for me. Another representative actually instructed me to fax the bank documents. Then another told me that nothing was going to happen and that it was waiting on the manager's desk for July 5 business matters.