• Report: #606388

Complaint Review: First Electronic Bank (Fry's credit card)

  • Submitted: Sun, May 23, 2010
  • Updated: Mon, May 24, 2010

  • Reported By: David Pedersen — Seattle Washington United States of America
First Electronic Bank (Fry's credit card)
Internet United States of America

First Electronic Bank ,Fry's credit card),Fry's Credit Card liars, thieves, & swindlers , Internet

*Consumer Comment: Hope this helps.

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A couple of months ago I tried to login to pay my bill on www.fryscredit.com as I have done on time for nearly two years. Over the years I have had some issues namely their archane security setup where they require 3 security questions to do anything.

When I went to login my password wouldn't work. I called customer support and was told the website was down and they were working on it. I waited a week hoping that they would fix it before my payment was due. I tried again still does not work.

At this point I called them up and told them that I needed to make a payment, they were going to transfer me to their automated system, however I managed to misplace my credit card since then. I told them this and they effectively said oh we can send a new card out, which I did and am still waiting for after 3 weeks. Never did they suggest that I could still make a payment without my card.

I knew I would miss the due date but figured that I could get it reversed as they were at fault and I made every effort to make payment including calling multiple times to wait on hold for 10 minutes.

Two weeks after missing my due date, still no card, still no way to pay my bill, I start getting calls which sounded to me like a bad sales call. "Please hold we have important business to discuss with you." Being that they didn't identify themselves I hung up as I'm not about to start racking up minutes for a sales call. After another few more calls, I decided to hang on and see what was so important. It was First Electronic Bank's collections department. Being that I was at work taking this call I ended up chewing out the person on the other line explaining that I would make payment as soon as they made it possible for me to do so. She was uncaring and suggested I should have payed by mail. I would if I was getting a paper bill, but I don't. I was angry and ultimately hung up.

Later that evening I decided to see if their website was back up and make a payment online. This time instead of my password being wrong, my account was "locked out" so I called up to get it unlocked, this had happened to me before so I was hopeful. In asking about the locked out account I was told me to wait a few minutes and try again. However this time after explaining my situation they said they would be able to transfer me to make a payment over the phone. They sent me to a human to pay my bill over the phone. They normally charge for phone payments but said they were waiving that fee, how nice of them.

In paying my bill they of course wanted me to pay my next's months bill, plus lasts months, plus a $29 or $39 late fee. I explain the situation and tried to reason with them to have them remove the late fee. I ended up pay last months bill plus the late fee.

I made every effort to pay my bill on time including spending over 30 minutes on my cell phone. However what galls me is that they offered to remove the late fee if I payed a substantial payment towards my card, they wouldn't name a number as I asked how much that would be.

Long story short this can only be related to their inability to update their website to follow new credit card regulations where they are required to show you how many months it would take to pay off your card using minimum payments. However to be told lie after lie after lie only frustrates me and goes to show how unethical this company is. Their inability to remove late payments after I made multiple attempts to make payments online and over phone is inexcusable.

So in hindsight I would never likely a store credit card who home base is in Utah, Draper or other credit haven where overcharging on interest and offering poor support is OK. Take note when RAPE is right in the name of the city your bills come from. I will also make all future purchases from an electronics company other than Fry's.

Companies of the world know that if you screw me on your credit cards my lifetime value drops to 0. This has been the case with Pay Pal, GE, and now Fry's.

Had I not read that they were lying to other people about their website issues I would not be writing this complaint.

This report was posted on Ripoff Report on 05/23/2010 02:03 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Electronic-Bank-Frys-credit-card/internet/First-Electronic-Bank-Frys-credit-cardFrys-Credit-Card-liars-thieves-swindlers--606388. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Hope this helps.

AUTHOR: lchan909 - (United States of America)

I had the exact problem. Customer service was horrible and truthfully I'm really a nice guy. But I was irritated because I wasn't able to log in for about two months. Luckily I have always paid early and I paid by phone for the time being. Anyways the actions that I took to try to solve this problem was first I filed a complaint to BBB. Actually BBB and every where else on the same day because I was really agitated. This includes the Federal Trade Commission, The Federal Reserve Consumer Help, and of course Rip-off Report. I received mail and email from most places and they told me that they were going to review the case and see if they have to regulate the bank. I received a response from First Electronic Bank as well through BBB and they told me they apologized and they are trying to fix the problem. They said their site was not down and it was being restructured. The employees were unaware of the problem and were unable to give helpful guidance. They therefore, now inform all the employees of what to do. Anyways I complained like 2 or 3 weeks ago and I just waited to call again. I called this morning... and the customer service all of sudden became really helpful. They reset my pw for the time being. they are going to have someone fix my secret answers asap and i should wait for an email. and they are going to send me statements. All of this is noted on my account.

I personally think you should call again today. I'm not saying they fix all my problems yet only my pw. im still waiting to get my secret answers fix. But the response they gave was reassuring and i actually felt like i was talking to good customer service ppl this time. On the side note, if theses were just empty promises... i would then report them again... and that would include Congress, Senate, White House, whatever. I will make sure they will get regulated.

their BBB rating is a D+ (epic fail)

Remember to have a paper trail. Document every time you call and who you talked to. It makes cases more efficient. I hope this helps.
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