Review and analysis of over 197 consumer complaints
| Capital One |
| Citibank |
| GE Capital Retail |
| Bank of America |
| Wells Fargo |
| Amex |
| U.S. Bancorp |
| JPMorgan Chase |
| Discover |
| U.S. Bancorp |
| Amex |
| Wells Fargo |
| Bank of America |
| GE Capital Retail |
| Company | Complaints |
|---|---|
| JPMorgan Chase | 32 |
| Bank of America | 31 |
| Capital One | 28 |
| Citibank | 19 |
| Discover | 19 |
Synchrony Financial Credit card cash advance January 19, 2017 - On my Chevron Texaco card I have - balances, - for purchases and - for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known this.... |
Capital One Credit card cash advance January 6, 2017 - I am writing today to let you know I am having issues with Captal One due to the fact they are saying they do not know that I am the person using the Sparks Business Capital One Visa Card. I told them numerous times and I told them I sent them a fax with my driiver 's license picture, license number and address in the driver 's license as well. Also, I sent them by fax my social security card which I told them what nobody else knows that I am from - -. Also, i sent them a copy of my utility bill from - from my home address - - - - -. - . - - - -. And Capi... |
December 6, 2016 - To Whom It May Concern : On -/-/2016 I attempted ( unsuccessfully ) to withdraw ( drive-up ATM ) $300.00 from my American Express ( Serve ) credit card ( hereinafter AME- ) - via my local community bank retail branch ( - -, - - -, -, MA ). After correctly inserting my AME- Credit Card, entering correct PIN #, requesting $300.00 cash ( sufficient funds in account ) and agreeing to - - and AME- ATM transaction fee ( s ), the ATM locked-up and shut down, never dispensed any cash whatsoever ( $0.00 ), and would n't release my credit card. I immediately went in to th... |
Synchrony Financial Credit card cash advance November 29, 2016 - $20.00 cash advance is at a higher interest rate than purchases. Any payment above the minimum goes to the higher rate correct. Walmart credit card thru Sychrony bank - said I have to pay purchase balance to - before any of the payment above minimum will be credited to cash balance.... |
USAA Savings Credit card cash advance November 14, 2016 - I submitted a dispute to USAA on -/-/2016 for a $10000.00 purchase from - that represented themselves to be an investment bank, but I learned that it was just a front. On that date, I also learned that - had processed it with USAA as a cash advance and there were thousands of dollars of fees that I had not authorized. USAA was VERY slow in handling the dispute for a number of reasons that are difficult to understand, during which they applied the credit on two or three different occasions until finally on -/-/2016 they re-billed my card for the $10000.00 stating that I had used t... |
Wells Fargo & Company Credit card cash advance November 5, 2016 - I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of $7500.00. I also use this credit card for purchases, and I made $5000.00 in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for $12000.00, I paid $5000.00, realizing that the interest on the $7500.00 would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire $5000.00 to the promotional balance, leaving the purchases unpaid, a... |
Wells Fargo & Company Credit card cash advance September 29, 2016 - Enormous fees from unknown/questionable cash advances.... |
Synchrony Financial Credit card cash advance September 16, 2016 - On -/-/2016 PayPal Extras Master Card declined - cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.... |
Bank of America Credit card cash advance September 11, 2016 - On -/-/16 I went into Bank of America to get a loan of up to $1000.00 however, BoA now only uses credit cards and no longer gives personal loans. Needing the money and thinking I would also be able to build my credit, I decided to go with the BoA Cash - card and was told by the banker who was helping me that he will be putting a " rush '' on the card and will arrive on Monday, -/-/16 but may take as long as Friday -/-/16. After Wednesday -/-/16 passes I ask about my card and am told that if I need any credit card assistance to call the - number for CC complaints... |
Discover Credit card cash advance August 21, 2016 - Reference to complaint -. Have twice attempted to submit DISPUTE with two different operating systems without success. Have returned to this format for DISPUTE. DISCOVER has failed to provide remedy to original complaint/question. We 're not interested in the company line that we 've been told time and again. We 've asked for an account audit from - through - to determine when/why " purchase '' balance was transferred to " cash advance ''. As previously asserted, we have never used " cash advance ''. Why would DISCOVER Fraud send us a letter stating an investigative determination in... |
JPMorgan Chase & Co. Credit card cash advance August 10, 2016 - JP Morgan Chase Bank will not allow me to set the cash advance limit for my credit card at $0.00. They lowest they say it can be set at is $100.00.... |
Bank of America Credit card cash advance July 26, 2016 - Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or $40000.00. and I paid $1600.00. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect th... |
Discover Credit card cash advance July 19, 2016 - DISCOVER card member since -. Paid off balance after about 5 years. Restarted using card thereafter. Failed to notice exact time we were receiving double charges for " purchases '' and " cash advances ''. We have never used any credit card for cash advances. Contacted DISCOVER numerous times throughout the years, received no satisfaction, only excuses. Early this year - - ), we were finally notified to contact their Fraud division. In telephone conversations, Discover Fraud found in our favor and sent us a letter stating so. No remedies have been applied to our account despite the let... |
Wells Fargo & Company Credit card cash advance July 17, 2016 - This complaint is about a $1800.00 credit card transaction from -/-/2016, and erroneous fees and interest that were charged as a result of this transaction. Wells Fargo Card Services is incorrectly coding the transaction as a cash advance instead of as a purchase. When I first notified Wells Fargo 's dispute department in - 2016, Wells Fargo indicated that they have the ability to reclassify this cash advance transaction as a purchase. As of - -, 2016, these erroneous charges and interest netted to $92.00 ( $91.00 Cash Advance Fee from -/-/2016, $1.00 Minimum Inter... |
Citibank Credit card cash advance July 9, 2016 - My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is $6500.00, of which apx. $1000.00 is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra $20.00 each month. This is gauging, fraud, double-dippi... |
FirstBank of Puerto Rico Credit card cash advance June 7, 2016 - On - - I did a cash advance from my - - in a ATM of my bank. The bank charge me $3.00 for the withdrawal as if I was using a card from other bank. I did the claim explaining that the ATM read wrong my card. Representative said that fee is correct because is a cash advance. I told that it was n't the first time a did a cash advance that the fee does not belong. The ATM had never charge me when using a card from the same bank. I was aware of the $2.00 fee that the bank would charge for this. They ended charging me $5.00 for the transaction. Besides, they never gave a resolution... |
USAA Savings Credit card cash advance June 1, 2016 - -/-/2015 I took out a $2000.00 cash advance from USAA. I was told over the phone that once I pay off the $2000.00 cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( $2000.00 in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than $2000.00 worth of payments since the cash advance was requested -/-/2015 and wondered why I was... |
Citibank Credit card cash advance May 4, 2016 - My wife - - was denied a cash advance in - ( she had pre notified Citibank of her travel to - ). Their excuse was that she had not used cash advances before. She was standing in front of a teller with full id in - when denied. She had not used a cash advance before because it was a 7 month old credit card account with Citibank. Complaint filed with NY attorney general follows. - - - - - - -, NY - - -, 2016 - - New York Attorney General The - -, NY - Dear Attorney General, Thank you for your good work during your term. I sent the at... |
Citibank Credit card cash advance April 21, 2016 - I purchased a gift card to - - - through - and the purchase came up as a cash advance with my card issuer, Citi. I called Citi to let them know what the purchase was for and how the purchase of a gift card to a specific merchant does not qualify as a cash advance under not only their listing of what a cash advance is, but also any general definition i could find online. They continued to read a script throughout the discussion and never took into account the fact that maybe they rang up the transaction incorrectly. Since this was a purchase made via -, i had a representative fro... |
Discover Credit card cash advance April 13, 2016 - For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details, it seemed that little was applied to my principal, the worse is that I noticed for many years now the " BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while " BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as - ( Discover statements are not available past that year - - for me to assert with full certitude that the practice did not sta... |
Capital One Credit card cash advance April 8, 2016 - I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid - of the cash advance amount. When i look at my - statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and - half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance am... |
Discover Credit card cash advance April 8, 2016 - I was scammed. I took a $2500.00 cash advance on my Discover card. I was skeptical but I sent the money to the scammers. They then payed off the $2500.00 on my Discover card & told me to get another $2500.00 cash advance. I called Discover to see if they could put a hold on any cash advance untill the scammers payment cleared the bank. They said there was no way to do that, I would just have to check back to see if it cleared yet. The next day, the scammers said they talked to Discover & got it cleared. I called Discover and they said yes, the payment had cleared. Discover had lied, the ... |
March 7, 2016 - I had a family emergency last week and I had the ability get an emergency pin number on one of my AME- credit cards. I have -. The card for my business had a credit line of $500.00 because I transferred that credit line successfully to another business card last year. My Amex Open Blue is a personal credit card and I was trying to transfer the credit of $2000.00 to my AME- business card in which Amex was willing to help with my pin number for a cash advance. I do n't remember why the AME- blue could not be advanced, even though I just paid it off in full - $ -. I think it was becaus... |
Synchrony Financial Credit card cash advance February 25, 2016 - My understanding is that, per the new laws enacted shortly after President Obama took office, credit companies were no longer permitted to apply payments in excess of the minimum balance to the lowest interest balances in favor of those w/ higher balances. In my case, today I contacted Synchrony Bank ( - ) re : my Gap Visa from which I took a cash advance of $1000.00 on -/-/16 and learned the following : I now have an overall balance of $4000.00, purchases are subject to an int rate of 25.24 % ; cash advances are subject to an int rate of 27.24 % HOWEVER even if i pay more than th... |
U.S. Bancorp Credit card cash advance February 23, 2016 - I made - cash advances and paid them off but the bank is not applying my payments to the cash advances, and still showing I have a balance. I previously filed a complaint and thought it was cleared up but it is not. [ Case number : - ] ... |
Capital One Credit card cash advance January 13, 2016 - In - 2015 I contacted Capital One regarding paying off my cash advance. I was told an exact dollar amount that I would need to pay off the balance of the cash advance. I took out a loan and paid the exact amount that was needed to pay off the cash advance plus the minimum payment required in - 2015. I just reviewed my statement and noticed they are still charging me a separate interest charge for the cash advance. I contacted Capital One and they said the payment was applied to my balance, not to the cash advance and they could not change how the payment was applied. I have documentation... |
Bank of America Credit card cash advance January 6, 2016 - I have a cash advance balance on my credit card with an extremely high interest rate. I pay more then the minimum every month and per my statement anything over the minimum is to be applied to the highest APR. Last month I paid the minimum and then made a lump sum payment equal to the amount of the cash advance to get rid of it. Bank of America applied only $500.00 to the cash advance and the remainder to the lowest APR balance. I went back over the last years statements and they have done this every single month causing my cash advance balance to skyrocket with interest while never allocati... |
Bank of America Credit card cash advance December 11, 2015 - After using the service - for a few years now to send money to my son in prison and having it charged to my credit card as a regular transaction, no transaction fee, regular interest rate, the Bank of America has recently ( -, 2015? ) reclassifed - as a Money Transfer service so they are now showing it as a Cash Advance item, which is subject to an additional $10.00 fee AND the much inflated interest rate for Cash Advances. First, no notice was sent that this was happening. Second, it feels predatory on a population of consumers who tend to be the least equipped to take on such addi... |
U.S. Bancorp Credit card cash advance July 1, 2015 - I received a no-interest for one year '' credit card in - 2014 from US Bank. After I paid off a balance at a cash advance '' business with the credit card, US Bank started charging me interest on the balance that I paid off. I have contacted them 2 times regarding being charged interest on what is essentially a balance transfer and they insist that it was a cash advance '' and that they are justified in charging me interest on that balance. I never received any cash from the credit card, simply gave the credit card number to the cash advance store to pay it off. My last communication wit... |
Capital One Credit card cash advance June 2, 2015 - Recently - less than 1 week ago ) I was short of funds and had to take a cash advance on my capital one credit card. I received the necessary funds to repay the full balance of the cash advance and called to get the I formation on how to do this. When speaking to the representative, I asked him what the procedure was to accomplish this as I have always been able to do this in the past with other credit cards. - '' the representative insisted that this was not possible and stated that the payments are always applied to the lowest interest rate - and then they would go to the highest i... |
Wells Fargo Credit card cash advance April 29, 2015 - Re : Wells Fargo Credit Card On - I made a payment of - on my account but realized I had done a cash advance in error. Immediately noticing my mistake I called the bank and talked to someone in the checking dept. who made the payment for me. She the transferred me to the credit card dept and the gal told me she would reverse the transaction. On - I looked at my account and the reverseal was not made. I called the credit card dept again and spke to another gal who said she would reverse the transaction, instead she reversed the payment in error. On - I again called the credit card d... |