FIA Card Services FIA-GMAC DECEIVING PREDATOR LENDING AND BUSINESS PRACTICES Internet

This nightmare started last spring (2008) when we tried to get a charge removed from our card.  This is the most recent saga and harrassement plus the 50-100 phone call per week from unidentified people.  They have also tried to hit our credit with FIA and a separate hit from Bank of America which our Credit Secure Co. removed. We are mailing this letter today.

FIA card services18-feb-10

TO:  Customer service department

Ref 2/13/2001 communiqu

Mrs. Chantay Deloney 1/866-242-4254 took information for a hardship program after she and her manager verbally agreed to the following program after mailing a payment of $212 to activate the hardship program.  The program commitment was 6.00% interest for 60 months at $115 per month on the balance of $5224.

You received the $212 payment and I received no payment plan.  When I called 1/866-242-4254 to speak with Mrs. Deloney,  was told she was not able to take my call, and the pending program was not approved because she was unauthorized to tell me that. Fact #1 The check was cashed.

A  letter was received on February 13, 2010 said pending approval and no account manager name.  Lie number 4

On one of the last 75 phone calls in 17 days, youre so called (special repayment program) BOT representative stated you received the $212 payment mentioned in paragraph 1 and refused approval.   Fact #2  the February 13, 2010 letter now lists one payment of $230 and $150 payments at 14% for 60 months.  There is no name, title, address or signature on the letter, and again pending approval.   Fact #3 same old lie.

There are facts and previous action to believe that you will take the $230 as you did with the $212 and start the next predator account distortions. harrassment  I request that you honor the agreement made by the FIA representative acting in your behalf, executed by you when you cashed the $212 check, and send me a written agreement signed by a loan manager with 60 months, 115/month with 6% interest for the 60 months.