I have had a NIGHTMARE of a time with FIA and Harris. First of all, the Harris online banking site sucks and this FIA partnership is even worse. If you want to see payments or make payments it takes you to a completely different website.
I have had nothing but problems since day one. As soon as I got the card, I signed up for the automatic payments which don't allow you to do automatic minimum - you have to picked a fixed amount? Every other company I have ever dealt with allows you to select minimum. When I made the balance transfer for the low rate, I asked my representative with whom I was working what the first payment would be. She told me, but was off by two dollars unbeknownst to me. I then get a letter saying they are changing my rate and did I want to "opt out". I call and figure out there was a 2 dollar difference and pay the difference. I change the amount to reflect that amount for the auto pay because why would the second month be higher than the first when there is no money being charged additionally to the card. However, second month bill jumps - I never get the email notification that I have a new bill though I was signed up for it.
I get the letter again and have to call customer support again. I go online while talking with the woman and see this time is a $133 payment due versus the 47 it should have been. I wait on hold for almost 30 minutes. Then get a woman who goes through that the minimum amount had gone up and I was off this time by $10 and the 133 included two late fees, but she would credit those back. We spent 30 minutes on the phone going through everything. I pay the difference of $10 and see her late fee credits. I am actually now paid over by $2.
I just logged in and see there is a 39 dollar late fee! Though amount due shows 37 because as I have already said it was overpaid by $2 so how could there be a late fee?
I call support - wait 17 minutes. Get someone who says he sees the adjustments but they did not take out of minimum due, however, they had to have taken out otherwise the current amount due would not be 2 dollars less than the total.
While I am talking he talks over me and transfers me!! On hold again!
THEN, I get a woman who says you can do "minimum". I am literally looking at their sign up section - NO WHERE does it say minimum. She says, "Oh you must be in the wrong section" Um, I am in "Auto Pay Account Settings - View/Edit/Change" What other section should I be in? Now, of course, she can't tell me where to go to do minimum pay but she says she can transfer me to that department. I tell her I am looking at the screen - there is nothing about minimum pay. She puts me on hold. Comes back - I was right. The relationship with ghetto Harris bank doesn't allow for it to be done online. But she can mail me a paper form and I can mail it back! What?? Is this 1990?
I go back to my original issue - what's up with the late fee? She tries a few bogus excuses like "well if you made a payment after 5pm the day before the due date then it would still show up". I made the payment 2 weeks before the due date - fail. So then she finally admits she doesn't know why there is a late fee. I say it's a bug. In my head I am thinking OR A SCAM! Guess what she does? Yep. Puts me on hold! Call time at this point is 33 minutes. Then comes back on and tries to tell me that she doesn't know where I am getting the minimum due of 37 and that the two late charge adjustments don't count towards my 133 owed. That's funny because the amounts worked out perfect that there was a 2 dollar credit and then the amount due is 2 dollars less than the 39 dollar late fee! I HATE THIS COMPANY! She then has to restore my rate and credit the late fee. AGAIN! 3 months and this has happened every month. She claims the last person I talked to gave me bad information. Really? I get bad information every month. The problem is - it says on my account that I owe $37 and she is telling me that is incorrect and it should be more? But how do I know since the information is incorrect? Who has the correct information? I HATE FIA Cardservices and Harris Bank. Do not do business with FIA CARD SERVICES OR HARRIS BANK!