Complaint Rating:

Company information:
FIA Card Services
Chicago, Illinois
United States

Be wary of FIA Card Services offering to settle credit card balances in collection. Last year I made a deal to pay off several Bank of America credit cards for a fraction of what was owed. The FIA rep put the arrangement in writing. First, they changed the cc number to a new number. We established an automatic draft arrangement and each month for 6 months they drafted my account for the agreed amount. I made the last payment on 12/31/07 and all was fine. Well, up until recently when FIA Card Services started trying to collect on the same debt using yet again different cc numbers. They refuse to provide the original credit card number and call constantly trying to intimidate me into paying. They have gone as far as telling me they never made any arrangement with me in the past. I still have the written agreement they sent me and refuse to give it to them because they are scam artist. I would prefer litigation. The point isd, my credit report was to show these cards paid as agreed but instead it shows I am in collection. They run a scam and so does the creditors. They make you believe they'll take less when in fact they have the upper hand. My suggestion, make the creditor take you to court. The judges will never make you pay more than you can afford and there is nothing more secure than a court order.