Report: #81414


  • Submitted: Sun, February 22, 2004
  • Updated: Thu, April 22, 2004
  • Reported By: Ft. Belvoir Virginia
    POB 151122
    Wilmington, Delaware

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Fleet Credit Card Services acquired Advantage Credit Card division in Sep 1998, where I maintained an excellent credit. Two months after the acquisition (Dec 1998), several charges, totaling $2,500, were process through my new Fleet credit card account in a 3-day period without the use of my physical card. Apparently, a hotel employee had acquired my account number and expiration, while I was in San Diego, Ca., and was making charges for Mexican airline fares and a few other charges in Mexico.

FLEET Fraud unit called to advise me of this situation the day following the spree. They closed my account and said a new card would be issued. A new card was never issued and I found out later that I was refused a new card due to my bad credit from their records. This was slander now. FLEET then began to bill me, despite that my account was paid in full for my signed charges.

FLEET collection office refused, after many requests, to send me copies of the fraud charges for which now they were demanded payment from me now.

FLEET collection departments (many across the country) began calling me day and night to include Sundays. My response to them was they are never to call me back and that my account was paid in full. This went on for 12-18 months.

I sent FLEET and the CEO, Charles Gifford of FLEET certified letters without one response and many other uncertified letters too. I did get the certified receipts back, dated and signed.

Fleet has never responded to any of my 7 letters or to my 8 Certified letters over the years since 1999. Even last year in November, that was sent to the CEO. Last year, Fleet CC "remove" records on my credit report, which was illegal. They got rid of the evidence where the records revealed my excellent credit. I sent Equifax credit reporting agency a certified letter demanding a response and they would not respond as to how the records were changed. They said they had no control.

Fleet Credit Card Services uses address from all over the county and although they said, in a letters to me, they were one of the 9th largest financial groups; to me they are a corrupt company.

It appears FLEET is associated with Triad, what ever this is, Sherman Acquisition L.P., Sherman Financial Group LCC, Northland Group Inc., Fleet Financial Group, Fleet Boston Financial and Homecomings Financial, NE.

While a federal employee at the time, they caused un-repairable problems/damage to my credit rating and for my government security clearance.

It is now February 2004 and Fleet credit is still billing me monthly for a credit card fraud case unresolved since 1999.

I can only imagine what lives they have destroyed for others. They have committed a crime to me and I am sure to many other Americans.

Now Retired Military

Ft. Belvoir, Virginia
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This report was posted on Ripoff Report on 02/22/2004 08:07 PM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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Updates & Rebuttals


#1 Author of original report

ALEGIS GROUP LP, Greenville SC, a FLEET friend and rip off

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

FLEET has now added a new company to collect on their accounts. This is more Fleet Rip Off. FLEET changes collection companies to defraud the consumer. Alegis Group LP claim I owe money to companies called Sherman Acquisition II LP and a company called Triad, when in reality, they are working under cover for FLEET. ALEGIS is now in bed with FLEET as another "dead beat" collection agency.

FLEET could never provide proof I owed them any money nor can any of their collectors like ALEGIS LP.

We need lawyers out there to protect the consumers from fraudulent credit card companies and collection agencies.
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#2 Author of original report

FLEET CC and FALSE advertizing

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

Fleet advertizes the following information to its customers.

Your Billing Rights and Our Responsibilities

We cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including finance charges. You do not have to pay any questioned amount while we are investigating, but you are still obligated the parts of the bill that are not in question. We must tell you the name of anyone we reported you to.

Zero Liability

Protects you against verified unauthorized use of your credit card online, offline or anywhere.
Fraud Protection-Can help prevent fraud and can alert you to unusual activity.

Fleet Bank is part of Fleet Boston Financial, the 7th largest financial services company in the country. The company has been meeting the financial needs of consumers for over 200 years and now serves over 20 million customers, with over $190 billion in assets.

Carol D. Meyers
Executive Vice President
Fleet Credit Card Services
PO Box 2050
West Caldwell, NJ 07007-9046
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#3 Author of original report

Fleet Credit Card Services, aka Fleet Fleet Financial Group, FleetBoston Financial and Homecomings Financial NE. Federal Violations from my Perspective

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

Why I believe Fleet Credit Card Services violated Federal Acts per the definitions from:

The Fair Credit Billing Act establishes procedures for the prompt correction of errors on open-end credit accounts. It also protects a consumer's credit rating while the consumer is settling a dispute.

The "Fair Credit Reporting Act" establishes procedures for correcting mistakes on a person's credit record and requires that a consumer's record only be provided for legitimate business needs. It also requires that the record be kept confidential. A credit record may be retained seven years for judgments, liens, suits, and other adverse information except for bankruptcies, which may be retained ten years. If a consumer has been denied credit, a cost-free credit report may be requested within 30 days of denial.

The "Fair Debt Collection Practices Act" is designed to eliminate abusive, deceptive and unfair debt collection practices. It applies to third party debt collectors or those who use a name other than their own in collecting consumer debts. Very few commercial banks, savings banks, savings and loan associations, or credit unions are covered by this Act, since they usually collect only their own debts. Complaints concerning debt collection practices should generally be filed with the Federal Trade Commission.

The "Federal Trade Commission Act" requires federal financial regulatory agencies to maintain a consumer affairs division to assist in resolving consumer complaints against institutions they supervise. This assistance is given to help get necessary information to consumers about problems they are having in order to address complaints concerning acts or practices which may be unfair or deceptive.
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#4 Author of original report

Fleet Credit Card Services many addresses used to "Confuse" Consumers on their accounts

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

Watch out. Fleet comes from all directions,as these addresses were taken from various correspondence on my credit card account.

Fleet Credit Card
650 Maamans Road
Claymont, DE. 19703

Fleet CC
200 Tournament Dr
Horsham, PA., 19044

Homecomings Financial NE
100 Quintin Roosevelt St.
Garden City, NY., 11530

Fleet CC
301 Rockerimmon Blvd
Colorado Springs, CO., 80919

Fleet CC
300 N Wakefield Dr.
Newark, DE.,19702

POB 1001
Horsham, PA.,19044

Fleet Credit Card Services
POB 961
Horsham, PA.,19044

POB 15480
Wilmington, DE.,19850-3839

Fleet Credit Card Service
POB 15122
Wilmington. DE.,19886-5122

7801 Metro Parkway
Suit 100
Bloomington, MN., 55425

Fleet Credit Card Service
POB 15118
Wilmington, DE., 19886-1318
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