DO NOT USE FIA CARD SERVICES THEY ARE A DISGRACE!!!

I trusted Regions Bank which was my first mistake. I received an offer that appeared to be from Regions Bank. It was not until I actually agreed to use the offer that I found out it was managed by FIA Card Services, and that Regions Bank would not stand behind them nor assist me when needed in dealing with them. They gave FIA Card Services my information and when I received the offer to transfer my balance of $5000 from another bank credit card to pay no additional interest over a certain time period, I paid the $200 fee to do so.
I was told to pay a certain monthly fee by FIA Card Services, which I did, yet I was charged a late penalty. I went to Regions Bank and was told I had misunderstood the offer and it was not a 0% offer. I knew that was not true. After wasting a full hour at Regions Bank between waiting and listening and being told I was wrong, I left. When I complained to FIA Card Services, the late fee was removed but realize they had used my money and when combined with millions of other people’s money, they will make millions of dollars, what a scam! The fact that they removed it shows they made a mistake.
I was clearly told by two people at FIA Card Services on two separate occasions that I could continue to use the card, and as long as I paid their monthly fee and the amount of the new purchases, I would not be charged any additional interest. I had one representative walk me through their web site via phone to show me where I could find the purchases and adjustments in order to figure this out. Their web site is not intuitive and this was very difficult for me to find and I have a Masters degree!
The next month I paid the amount over the monthly fee to avoid the interest charge, yet I was charged the interest fee! What a scam! Do you think after paying the initial $200 transfer fee I would want to pay any additional money just for the heck of it when I was going to be charged an interest fee anyway???
My Regions Credit Card is NOW WORTHLESS as I cannot use it and pay off my balance in full (over the $5000 amount) to avoid interest charges, yet I paid a $200 fee for the privilege of being able to do so.
When I called to receive clarification from FIA Card Services, the representative told me two different things, two different times! She clearly told me they had no grace period, and it did not matter if I paid off the new purchases, I would be charged the interest fee anyway. Then she proceeded to tell me that I could pay off the amount of new purchases and I would not be charged. I pointed out that she had told me two different things two different times, yet she continued to condescendingly tell me that I was not understanding her. As she had a Hispanic accent, I told her I guessed I was not communicating to her what I needed to know and asked to speak with a supervisor. I assured her I was not going to complain about her, but about being told by two previous people that I would not be subject to interest charges as long as I paid off my new purchase amount every month. After holding for 6 minutes, I was told that two “managers” were both busy and one would have to call me back.
At that point I called Regions bank to complain and was put on hold after being told that they were experiencing “high call volume.”
I decided to write out my complaint and mail it to the Regions bank manager where I initially opened my account. I requested they never share my information with anyone again and will never ever agree to any offer even remotely like this one again. I have been unemployed through no fault of my own for 10 months and am close to retirement age. I cannot afford to be scammed like this and upset and frustrated and spend hours dealing with this stupid issue to support these unethical people at FIA Card Services.
I am posting this complaint on all complaint sites against FIA Card Services and sending this to a Regions Bank Manager and the Better Business Bureau. You would think after all the complaints that Regions Bank would not be affiliated with these scam artists.
I did not do my due diligence as I was in a difficult financial situation, and depressed enough and I trusted Regions Bank. They should protect their customers and NOT BE AFFILIATED WITH UNETHICAL BUSINESSES. SHAME ON FIA CARD SERVICES AND SHAME ON REGIONS BANK!