Royal Bank Of Scotland [RBS]

Those ### are Theifs to the american comsumers. I recently bought a mastercard giftcard that forces you to use a website owned by Krogers Personal Finace, and when ever you try to register your card (activate it) they will not let you giving you a error saying you put your information in wrong when I have not. THEY ALL BELONG IN PRISON FOR FRAUD AND SCAMMING THEIR CUSTOMERS.

I got the 1 2 3 REWARD card 5 months ago, started making purchases imediatelly so i can get the rewards build up. Too bad never saw any certificates they sure send the bills on time but i never got anything else. I have been trying to get this resolved for past 5 months no success. Is anyone else having same issue? I talked to the customer service reps.dozen of times but it's just lie after lie i don't trust anything they are saying anymore. They owe me few certificates and i want to get them but don't know whom else to contact. HELP.

I haven't had the interest problems so many have, but I have been wrapped around a tree twice trying to dispute a charge that was put on twice by a merchant. ALL of the information required was put in the first letter to them, but then they sent a form that said I had to put the information in in their format. FURTHER that the dispute wouldn't begin until they got the form and that had to be within 60 days of the statement. I think they just want to avoid handling the issue and make it as impossible as possible. Extra stamps!

I had similar problems. When they raised the rate on me, I paid the card off in full and closed the account after speaking with their cusomer service (service? that's a laugh). A month later received another bill for interest on a paid off account. I called back again spoke with Matthew (C020205) and his boss Omar (c0202118) with no help and rude. I asked what I owed today and what would happen if I over paid as not to have that happen again. Omar said "they would write off the samll overage". I asked him to send me that in writing and asked at what amount would not be "Written off". He could not answer.

I over paid on line so I will maintain a positive Balance to have them send statements on and so I can continue to call their Customer Service. If disatisfied customers would do this, we can eat up some of their overpriced service profits and tie up their customer service (manpower = $). Spread the word.

If you make a one time late payment most good credit card companies will take away the late payment and let you keep the interest rate you have. Not Kroger (RBS) they just say too bad. I was out of town and went to Kroger to see if they could look up my bill so I could pay on it. You can't pay at the store. I didnt even have my credit card with me so I could look it up on the website. I know my mistake. My rate went from 11% to 28.99%. What that means for Kroger is I won't be spending my money on groceries, instead I will be working like he** to try and pay the credit card off. I also am feeling resentful enough to buy my groceries at a store that treats people who have been shopping with them 30 years better.

I have had nothing but good results from them. First of all you complain about balance transfer fees when it says right there on the form that they charge this fee. Dont blame them because you dont read the whole form. Second, here you are on a message board so you obviously have interenet, email, online access etc. It is so easy to set up for paperless statements and you can go online and see your account balance and your minimum payment due, due date, etc. You can even set up automatic transfers, simple and painless.
I personally use this card for 15 cents off a gallon of gas and for the double reward points at Freds. I pay my bill every week in full. If you dont pay your bill every month on time you should cut up your card because you have no business using a credit card.

RBS Royal Bank of Scotland (RBS) credit card is by far the worst credit card company I've ever dealt with. I am referring to the RBS MasterCard. They advertised a promotion with 0% balance transfer. When I finally got the card the rate was about 19%. They refused to honor their advertised promotion. I paid off the card and stuck it in a drawer. Today I received a nasty-gram I owe them over $60.00.. I found out they charged me $20 for Late Fee Protection in December and $42 for late fees and finance charges, and reduced my credit limit to $250.00.. On the phone they refused to remove the charges. So I just closed the account. I will file a Better Business Bureau complaint by internet through the Bridgeport CT office, which will be followed by a local small claims court lawsuit, which I will win by default because they won't show. Bottom line RBS MasterCard SUCKS!

RBS creditcards sucks, I had a RBS mastercard and had bad expreience, their customer service is lame, there is always a long waiting time, and service personel are not helpful at all.

They charge $39 late fee for a balance of $20 that I paid 1 day late, because I never received the statement. I canceled my card and do not recommend anyone else to use them, if you have a card, be careful, cause they are trying everything to rip you off.

I have balance of over $l00.00 on my account for discount on gas. I used the 123 card and received only a .03 cent discount instead of the .15 cents discount. I used it as stated on the pump and have had other problems with it. I can and do receive the .10 cents discount with the shopping card. But not this time. Verry disapointed.

Here's what I have to say. I worked for RBS at one point. God only knows how many calls I got about this kind of stuff. Number 1, READ YOUR ###ING AGREEMENT. Everything we rep's do/tell you is all listed in that little piece of paper. Number 2, yes, if you make a payment even 1 day late and have promo rates, as stated in terms and conditions both to credit card and balance transfer offer paperwork, you will lose your promo rates. Any balances affected by this will then move to you standard rate on the account `and we will not reinstate those rates. Its a known fact that if you break contract, contract of any kind, you will have to suffer the consequences. When you filled out that application, mailed/called it in to apply... we tell you what kind of fees there are. If you bring your account over its limit, we will charge you. If your payment is due on the weekend, make sure we have it the business day prior. We will not change your rate every month. If you are on a fixed rate, it will not change unless the bank has to review all accounts and raise interest rates to keep up with market conditions or if you have a late charge. If you are at a variable rate, you have a rate that floats with the prime rate. Prime rate is changed every quarter and you will see that reflected on your statements. Most of the problems you people have with credit cards is you don't read the fine print. When you activate that card and begin using it and didn't read the fine print then who's fault is that? It's not ours for damn sure. Also, customers seem to think it's nice to belittle and talk down to the reps on the phone with them. How do we live with ourselves having this job? Gee, I don't know. Maybe it pays the bills. Maybe we do the same thing as you... wake up, piss/###, work to make a living. Think about that the next time you ask a rep that. Have a good day, ###s.

Well the man speaks the absolute truth. I had a perfect on time payment record, it did not make a difference. I wrote and explained it must have been I didn't complete the payment, getting old. I know i went on line because i tear up the bills when i pay. RBS's web site won't allow auto pay registration tied to the bank account, I never knew auto pay existed, so i got a missed payment and my 3.99 went to 19.99%
I have never known any other credit card company which would not give a one time break. I closed the account, but that changes the credit score negative, because the available for use credit is lowered and the in use credit proportion is raised. I managed to get them to reopen it.
If i ever do a transfer to RBS again, i won't miss another!
But I really believe it to be their design to find or even claim ways to say they did not get the payment on time.
We are not of any customer value to RBS and their reps really make you feel it also.
I got one rep who actually snickered as i was telling my story and what i had sensed was a lack of being a good customer was with her.
We do not mean craaap to them, as workers who pay the bills, taxes...they want more out of our pay check, RBS ranks high on the avoiding list if you will...

I disagree. I have nothing but positive things to say about RBS. I have been with them for a number of years and I have never had any problems. They give me new promo offers all the time and I love their card more than any other card. Maybe it's just that you guys are making late payments and there would be a penalty of course. We are borrowing their money and they do have the right to do what their doing for not receiving their payments

P.S. I fully expect the next step is for RBS to raise my promotional interest rate because of the late payment. I agree with others who complained here that they were looking for a way to raise my rate. I will report back what happens.

I am having a bad experience with RBS, too. I set up an automatic payment through my bank and the payments went in like clockwork on the 15th of each month. My payments were due the 18th.

Then RBS moved the date up 4 days so that my June 2007 payment arrived one day late by their calculations. They charged a $39 late fee.

When I called to complain, I was told that the payment date was variable and that they could not drop the late fee. I asked for a supervisor (Omar), who lectured me like I was a naughty child about how the bank sent me a statement and if I did not look at the statement date, that was not the bank's fault. He was pompous and cold, no customer service attitude at all.

I am writing a complaint to RBS and also sending it to my congressman and other govt. agencies. This is just the kind of predatory credit card policy that Congress has been investigating.

RBS Head office phone number in UK is [protected]

I summarize: Sir fred Goodwin's Bank

Bad service & couldn't care less for the customer, the higher in the organization you go the worse it gets.

In my experiance the RBS is a bank to avoid as are HBOS, in fact avoid any bank or service linked to Scotland. As far as honesty in financial services is concerned Scotland is the "east/west Africa" of the UK. Beware their brand of financial exports, they bite.

Nic Braithwaite

The exact same thing happened to me. I agree ~avoid this bank at all costs. They are ridiculous and need to be investigated. How all the sudden do they have the wrong address and your statement is returned to them they still charge you a late fee. What a rip off. They also double dipped my checking account which was when I cancelled the card all together and was just making payments when all the sudden they have the wrong address? Or so they say. They were just looking for a way to raise the interest. Duh like I wasn't going to notice.