Most Horrible Credit Card Experience of my life
I decided to check on my review today, because I received a message in my inbox from fidelity talking to me about my bad experience. So I went to look for my review I left a few weeks ago, to see what they were replying to.
Lo and behold, they had deleted it.
Its not honest of a company to pick and choose which reviews get seen, and which ones don’t. Its not wonder they have such a high rating on their own site (1 star would be more accurate)
I will again try to let the public know of my experience with fia card services, and why I will be cancelling it soon.
Everything was great until they messed up. I had a last statement balance of $12,000 something, and had made a couple of payments leading up to my autopay. My total payments were somewhere around $11,500. So about 2 weeks before autopay, I called up fia card services and told them what was going on. Because apparently they don’t update any credit that you have paid on your account, its either autopay or no pay to them. So I called just to be clear that I had made lots of payments already, so only around $500 should be debited from my account. Their customer service agent agreed and broke down the numbers, confirming that they would only auto debit $500 when the time came. So auto pay day rolls around and I notice they tried to auto debit $5,200 something from my bank? This completely paid off my card, and was not the balance due from the next statement.
I had to call customer service multiple times since then, and my bank to get a handle on the situation. Luckliy at the time I didn’t have enough in my bank to cover it, so they rejected it. Which was great since if they did debit that amount, it would take at least 2 weeks to get a refund back from fia card services. And my mortgage would have been late, my loans, i would’ve been reported delinquent on my loans and credit score would have dropped. So a huge disaster was avoided, that was entirely their fault to begin with.
Later after talking with customer service folks, a $50 credit was suppose to come my way, for all the hassle they said. That never happened, until I wrote my 1st review on here. So its been almost a month since then. Anyways not honest business practices going on here, and unreliable service, that could bring you great financial and credit score harm.
So thats what you get with fia card services. Should have listened to the reviews. You can pay your bill on time, do everything right, and they will find some way to screw up your stuff. No thanks. I have already switched to Citi double cash card Mastercard (accepted EVERYWHERE) that gives 2% back on everything (1% when you buy and 1% when you pay it off, as long as its the minimum amount due). So there’s no reason to take such hassle from this company. Adios fia card services. I sincerely hope you make all the changes you need to bring your card service to the current year of 2015. Also honesty is the best policy