Who is fia card services

These reviews are riddled with people who had their cards cancelled for "suspicious activity" and had a surplus of points forfeited stolen.

Talk about non playing fair. People who are actually winning the cashback game are suddenly accused of having "suspicious activity", and then have their cards cancelled. And their ToS give them the ridiculous out of saying they don't have to provide any reason for the cancellation. I found out when my card was declined after using it overseas. I went to log in to my account, and found my accounts had been deleted. Incidentally, I had no late payments, and a surplus of points. Don't worry FIA card services.

Your days are numbered. New fintech technologies happening now will render you obsolete in 5 to 10 years. I can't wait! And shame on Fidelity for using these crooks. Good card - hard to contact!!! The card itself has been a good experience but it is a nightmare to have to take the time to telephone whenever there is an issue or question. As of now this company only offers telephone call options for any issue. Sign up to receive our free weekly newsletter. We value your privacy. Unsubscribe easily.

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Get better rewards Need a more rewarding credit card? Find the best card for you. Overall Satisfaction Rating 5 stars. Sort: Recent. Most helpful. Filter by: Any. Page 1 Reviews 0 - Original review: March 9, I get 4 or 5 robo calls a day from this company.

Original review: Sept. Not sure how to choose? Original review: Feb. Tom of Columbus, OH. Original review: July 26, I have called in now 4 times over a day and half to request a redemption of my reward points as cash back. Jason of Pensacola, FL. Original review: Oct. Feel free to contact us for personalized answers to your questions. This route can prove difficult for many folks. However, if your debt balance is small, you have cash available, and you only have a few other debts, you may choose to make a full payment.

Be aware that your credit score and credit report may have already been seriously damaged. Settling the debt before a judgment is served is one common response to being sued. There are three main methods that you can consider, each with its own pros and cons:. In either of the last two cases, be sure you know the fees before you sign on. Preferably, make a deal with the lawyer or debt settlement company that charges you a percentage of the total amount saved in the settlement. This encourages them to save you the most money possible.

Also, work for a lump sum payment in your negotiations that can be paid immediately at the end of the settlement. This method should cost you less than paying over the length of a 12 or month period.

Sometimes when you are sued, bankruptcy is the only logical option. If being sued by more creditors is a realistic threat, applying for bankruptcy can be advisable. We designed a Chapter 7 Calculator and a Chapter 13 Calculator to help you make sense of your bankruptcy options. In this case, your creditor will probably request the default judgment and will move forward with accessing your funds.

We have aided people in your situation before and are ready to help point you in the right direction. The creditor must then show beyond a doubt that you are responsible for the debt. If this is your situation, request a free consult with a debt collection attorney. Working through a lawsuit with Fia Card Services can prove to be an overwhelming process.

You can also obtain a free credit report by visiting AnnualCreditReport. If you have unresolved debt with Fia Card Services and have not yet been sued, now is the time to resolve the debt. In the past, we have worked successfully to negotiate a mutually beneficial payment plan between our customers and Fia Card Services. Make sure Fia provides written documentation of the collection process.

It is currently a wholly owned subsidiary of Bank of America. FIA Card Services also became infamous after it was revealed that the company was engaging in unethical and downright illegal practices while pursuing debts from individuals.

These violations are quite serious and downright disturbing. Because affidavits are signed under penalty of perjury. The OCC determined that FIA Card Services ignored and neglected these legal requirements and, in many instances, the individual signing the affidavit was engaging in a flagrant exercise of unfiltered dishonesty. When a debt collection company like FIA Card Services files a Complaint, you have the chance to provide your side of the story, and point out the serious deficiencies in the debt collector's lawsuit.

The first affirmative defense you should raise is demanding that FIA Card Services prove you are actually the person responsible for the alleged debt. Remember, in a debt collection lawsuit, the debt collection company bear the burden of proving you actually owe the debt. This means the debt collection company must establish the following:.

Another affirmative defense to consider using, if applicable, is the expiration of the statute of limitations. If the facts of your case indicate that FIA Card Services failed to take legal action within the applicable statute of limitations, you could potentially file a motion to dismiss the lawsuit. To learn more, take a moment to review SoloSuit's library of in-depth resources and information related to effectively responding to debt collection lawsuits, including lawsuits filed by FIA Card Services.