• Report: #218953

Complaint Review: MBNA America, MBNA America Credit Department, FIA Card Services

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  • Submitted: Fri, November 03, 2006
  • Updated: Fri, November 10, 2006

  • Reported By:Sun Lakes Arizona
MBNA America, MBNA America Credit Department, FIA Card Services
ibsnetaccess.com WILMINGTON, DELEWARE U.S.A.

MBNA America, MBNA America Credit Department MBNA America Aka MBNA America Credit Department FIA Card Services CREDIT REPORTING SCAM BY OWN COMPANIES & REPORTING SERVICES Unknown, Not On Their Letterhead WILMINGTON, DELEWARE

*Author of original report: if so, it was not family and I believe it was likely a bank employee

*Consumer Suggestion: The bank isn't doing this by themselves. It's identity theft.

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I received a denial for a credit card application that I NEVER applied for. I wrote a nice letter, briefly stating I never applied for any credit card and I requested to know more information about the particular application. Their response to my letter said because of the amount of time that has elapsed since I applied, I must submit a new application. They obviously never read my letter. If they had, they would know that I never applied in the first place, never would, and had no need for any credit cards and didn't care to use them. This type of fraud ruins people's credit making any loan that anyone might want more expensive. Each time a credit application is denied, our credit scores are damaged and each damage is cumulative. So, for example, if I were to apply to some dealership for a car loan, they would pull my credit report and charge me a higher interest rate than I should otherwise have to pay. This has happened numberous times over the last decade and I haven't applied for any credit card, at all, in the last decade and probably even longer. I am convinced it is a scam by these credit card companies and possibly, the credit reporting companies, who never verify anything as being correct before they try and destroy someone by listing erroneous and ridiculous garbage on people's credit reports. I believe, once they somehow get you on file, once or twice a year, every year thereafter, they send out these denial letters - even thought there was no application. While I'm at it, the reporting companies have had me living at one erroneous address, in addition to a video store on another occasion. Does that make any sense? I never even, ever, visited that video store or anywhere near it. We have no rights and they have all the amunition. There are far too many injustices and credit card companies and reporting agencies are one of the biggest fraudulent operations I can think of, especially credit card companies out of Wilmington, Deleware. My last experience with a credit card out of Wilmington DE was over a decade ago and late charges were charged as a regular course of business when payment was made a week in advance and they refused to remove the charge, I closed the account, and monthly after that, they kept increasing the amount due because of a tiny erroneous charge, into the thousands. There is no dealing with these people. And, one of them advertised on the TV a while back - no hassle, or something like that. Of course, I don't pay what I don't owe and they can go jump in the lake, a polluted one.

Suzanne
Sun Lakes, Arizona
U.S.A.

This report was posted on Ripoff Report on 11/03/2006 11:59 AM and is a permanent record located here: http://www.ripoffreport.com/r/MBNA-America-MBNA-America-Credit-Department-FIA-Card-Services/WILMINGTON-DELEWARE/MBNA-America-MBNA-America-Credit-Department-MBNA-America-Aka-MBNA-America-Credit-Departme-218953. 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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REBUTTALS & REPLIES:
0Author 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 Author of original report

if so, it was not family and I believe it was likely a bank employee

AUTHOR: Suzanne - (U.S.A.)

It was not family and it was not a friend. Possibly, a bank employee now that I think of it.

It started in Hawaii. All family was out of country and friends don't have access to my personal info. My friends don't go circulating around my home either. We only entertain two at a time. I believe it could have been a bank employee because where I had my bank account, they pulled a couple of scams on me. Bank of Hawaii.

After a two week vacation, I emptied my jewelry from the safe deposit box and returned the key to bank personnel, a regular thing I have done over the years. One year later, they billed me for the use of the box for an entire year and the key which they claimed they never got back. They got it back. Later, after I closed the account and moved, in 1995, some 10 months later, they charged me some several hundred dollars for some gym membership.

I talked to the bank manager, told her the account had been closed almost a year earlier, that I have moved away almost a year before, and I've never heard of this gym place and never charged anything on the closed account. She insisted the charge would stay because she was new and so could not check anything out prior to when she started. I was left to check on my own but the gym didn't exist. I tried phone book, directory assistance. I was informed everywhere I went that the place didn't exist. Further, if that place existed, I am sure I would have heard of it. Oahu is pretty small. We all know what is there and what is not. I was there for many years. I informed the bank manager and she didn't care. She refused to give me any info. What a scam, with her participating. Of course I didn't pay either charge. I didn't owe them.

HOWEVER, THE LESSON HERE IS ANYONE CAN AND WILL TRY AND SCAM YOU SO STAND YOUR GROUND AND DON'T BE A FOOL AND PAY WHAT YOU DON'T OWE. LET THEM STEW AND PUT IT OUT OF MIND. After numerous calls to the bank manager - THEY'RE NOT WORTH A FURTHER THOUGHT.
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#2 Consumer Suggestion

The bank isn't doing this by themselves. It's identity theft.

AUTHOR: Mike - (U.S.A.)

It would be pointless for a bank to do what you describe. If they wanted to ruin your credit by pulling a bunch of unwarranted "hard" inquiries, they'd just do it and not tip you off by sending a letter.

What seems to be going on is someone, possibly a relative or friend, has stolen your identity and used it to apply for credit cards. This is where the oddball addresses came from as well. They put those addresses on the applications expecting to have the cards mailed there. You should contact the police immediately, also check your credit reports, and put them into "fraud alert" status. The police can demand copies of the applications from the banks to try and find out who has been doing it.
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