We had a visa with this so-called bank since 1992 and in 2001 began making online payments - they credited this money as a reduction in the balance and did not apply it as payments - we were changed late fees and reported to the credit bureau!
We complained to the "Comptroller of the Currency" (who allegedly helps victims of fraud-banking) and they are basically owned and operated by MBNA - unless we sent in a check with THE INVOICE provided per our small print agreement they can get away with this! I am glad we are so done with them and will never associate our good name with such an outfit!
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