i went on line yesterday evening to see about a cash advance that was posted on my account. they asked if i would like to increase my line of credit and i answered sure. they said i would have to call a number today which i did and found my credit line was reduced almost in half from $14, 200 down to $6, 600 when i asked why they told me they reviewed my credit line and as my income dropped as i was on social security. i have been a member of fia since 2004 i became disabled in 2002 and my credit is very good as i pay 7.24% interest to fia. last august i applied for a balance transfer fo $3, 000 to pay some medical bills and take a vacation, which they recommended was the very purpose of the checks they send me at least once a month. talking to a person named josh an hour ago i was told that i use the card too much in the last year. why wouldn't i, the interest is the lowest of all my cards. to me it made perfect sense. i wonder if it could be that we cancelled our savings and checking account at bank of america where we had some of our reverse mortgage on account there. my credit scores were all in the 700s, the highest at last report was 779 followed by 732 and 716 . i don't understand why they cut my credit line but would like to know why, which josh ran me around in circles for about 15 minutes. i guess when you question about your account at BoA or FIA you insult their integraty and their wrath falls apon you instantly. well i've learned my lesson and i've learned it well, not only can your credit card check on you, but you should check them out a few times a year. so the snipping and tearing you heard was me cutting up my card and ripping the 2 packets of checks i received in the last month from them. if i hadn't called back today and wrote a checkfor $500 it would have been returned, my credit could have been affected not to mention the embarressment i might have felt.
By reading some of the answers TWI is giving to its clients, they sound like a scam company. I just had a dealing with them for a supposed toll on the Henry Hudson Parkway in NYC. I had gone online with the MTAB&T and looked up my so called violation and was informed that there was no violation listed in their files.
I called a representative for TWI and was told I went through the plaza in March of this year. When I explained to her that the MTAB&T had no violation listed she said it might have been from September or December of last year. I sent NY-EZ Pass a check in March of this year for 4 violations of going through the toll. I must add the MTAB&T has no human toll collector on the HH parkway so there is no way to pay the toll.!
Every time I explained that I had paid the fine, which for a $5, 50 toll becomes a $ 55, 50 fine, she kept giving me a runaround. I finally asked to speak to a Supervisor and was told One would contact me by mail after reviewing my complaint.
I can only warn other victims of this ridiculous toll system on the above highway, the lack of sending me a ticket in the mail and TWI's not listing payments made to the State of NY, they seem to be double billing so they can make their profit
