Review and analysis of over 122 consumer complaints
| Barclays PLC |
| JPMorgan Chase |
| Discover |
| Citibank |
| Capital One |
| Barclays |
| Bank of America |
| Wells Fargo |
| Bank of America |
| Barclays |
| Capital One |
| Citibank |
| Discover |
| JPMorgan Chase |
| Company | Complaints |
|---|---|
| JPMorgan Chase | 27 |
| Bank of America | 24 |
| Citibank | 14 |
| Capital One | 12 |
| Barclays | 7 |
Barclays PLC Credit card convenience checks March 19, 2017 - Barclaycard offered balance transfer and home improvement checks with a promotional low fee rate with deferred payment until -/-/2018. I wrote - checks totaling $5900.00 to contractors. The checks were denied by Barclay for suspicious activity without contacting me prior. Barclay charged my account a $27.00 fee for " returned check '', which they refuse to reimburse due to their own cancellation of checks they offered us to use. The bank claims the contractors banks could have been the ones who rejected the checks, but offered no proof. The banks are profiting from issuing checks they... |
Barclays PLC Credit card convenience checks February 13, 2017 - A fraudulent convenience check was written on my account last -/-/-. I never had the check in my possession and reported the fraud to Barclay on -/-/-. Since then I 've been given the run-around with different numbers to call and - different reference numbers and a case number. Even though I have an email that states " Please be advised that transactions placed in dispute do not accrue finance charges and are not included in your repeat payment amount while the charges are being investigated, '' I am being harassed with late payment emails and threats to my credit rating.... |
U.S. Bancorp Credit card convenience checks February 4, 2017 - I made a minimum payment to a credit card as well as a $3000.00 payment to pay off a promotional balance of - that was expiring on -. The credit card company informed me the prior month that I had a promotion expiring and that I needed to pay it off in full to avoid interest charges. When I attempted to do that it was not applied to the balance expiring and when I called to ask them to change it they said that I had agreed to this in the terms when I accepted the promotional rate. The $3000.00 payment was applied to a promotional balance expiring on -. In addition none of my payme... |
Bank of America Credit card convenience checks January 21, 2017 - I used a convenience check I received in the mail in -/-/- to transfer a balance to a Bank of America credit card I already had open. My credit line is $ - and the check was for $2700.00. The Bank of America fraud dept called me on -/-/- to verify I had signed and sent the check, which I had, and they said it would clear. The same day they denied payment on the check and put a letter in the mail to me, which I did not receive until -/-/-, stating the check was rejected because the " signature did not match ''. I ALWAYS sign my signature the same way using my first initial, ... |
Citibank Credit card convenience checks December 22, 2016 - I applied for the Citi Simplicity card with 0 % interest for 21 months as I needed a new roof. I was sent a credit card and - checks with a credit line of $18000.00. My roofer does not accept credit cards so I called Citi and was told by agent that I could write out the check to myself and deposit into my checking account, then pay the roofer in installments as I wish or do whatever I wanted with the money. I find out after I took their advice and deposited into my checking account the check bounced back. Their explanation was I did not leave enough room in the check for the transfer bala... |
Barclays PLC Credit card convenience checks December 9, 2016 - I Contacted Barclay Bank Credit Card company to report a fraudulent Convenience check associated with my account in the amount of $4200.00. I filed a fraud claim and followed through every time they requested payment - a total of - long phone conversations asking me to be patient with the investigation. In - instance they even sent me a copy of the fraudulent check ( attached ). It has been almost 3 months and I called again after I received another email requesting payment. Barclays claims I did not file a fraud! They say they will file a new fraud claim and are asking me to wait ano... |
Amex Credit card convenience checks December 8, 2016 - On my American Express credit card ending with -, there was a credit balance ( due to refund of earlier spending ) of $180.00. On -/-/2016 ( as shown in the statement ), Amex sent me a check of the amount of $180.00, without my request. I deposit this check to my - saving account ( ending with - ) on -/-/2016. On -/-/2016, - notified me that the check was returned by American Express ( Reason : Refer to maker ), and I have to contact check issuer ( American Express in this case ). There was a fine of $12.00 due the returned check by -. I started to contact Amex. I t... |
Barclays PLC Credit card convenience checks September 30, 2016 - I wrote a convenience check which posted in my account on -/-/2016 and the credit card company posted the charge twice. I have contacted them 4 times and they admit that it is the same check and should be subtracted but nothing has been done. It is still charged to my account.... |
Barclays PLC Credit card convenience checks September 23, 2016 - On -/-/2016, I checked my credit card account online after receiving an email regarding my balance almost hitting its max. When I checked online, I notice that convenience checks were cashed on my account. I contacted the credit card company to dispute the transactions. I also advised them that I do not wish to opt-in to receiving those checks as I have never used them. They advised that they would opt me out and it would take 60 days. Today I received convenience checks in the mail again more than 60 days after I requested it to be stopped. The company has not followed through with protecti... |
Bank of America Credit card convenience checks September 10, 2016 - In - of - I took advantage of a promotional deal that Bank of America was running through my credit card. I used a check they issued with a 0 % APR until - -. Unfortunately my financial situation did not allow me to pay off this debt by the end promotional period. So starting - - I have been paying the agreed upon 21 % APR on the remaining balance that is subject to this rate. I unfortunately hit a difficult financial time and maxed this credit card out. I am unable to make payments beyond the minimum balance at this time, but I have not missed a payment and continue to pay o... |
Barclays PLC Credit card convenience checks September 9, 2016 - This complaint is associate with my - - -. " Convenience '' checks carrying a 0 % APR were recently sent along with my monthly statement. The description of " Fees '' associated with these checks only refers to " balance transfers '', which are subject to a - % fee or $5.00 whichever is greater. I used - of the convenience checks to pay a contractor working on my house, these checks were NOT used to transfer the balance of another credit card. The - checks were written for $2500.00 and $240.00 respectively. I was charged fees of $100.00 and $9.00 respectively for us... |
Bank of America Credit card convenience checks August 19, 2016 - My wife and I have a joint credit account with Bank of America. On the -/-/2016, taking advantage of a mailed offer from Bank of America, we endorsed and deposited an access check in a checking account at our local bank. Several days later on - I wrote and mailed - checks drawn on this account. At that time my bank listed the funds from the access check as available. On - - my bank informed me that the access check had been returned NSF. I called Bank of America on - - and talked to -. She asked me for my bank account and routing numbers and assured me that the funds wou... |
USAA Savings Credit card convenience checks July 30, 2016 - My husband and I are USAA members. We have been insured by USAA ( homes, cars, etc. ) for approx. 20 yrs. In - -, we both received email solicitations to apply for a USAA Visa signature credit card with a special offer of 0 % interest on transactions until -/-/-. The solicitations both mentioned no fee transfers and 0 % interest on such transfers until -/-/-. We applied for the card and received it. Primary applicant was my husband. Shortly after receiving the card, we received convenience checks to be used for balance transfers. Before using a convenience check, I call... |
Citibank Credit card convenience checks June 12, 2016 - I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer a... |
Citibank Credit card convenience checks May 28, 2016 - I used a convenience check with a 0 % APR until - -. Then at a later date, I used a convenience check with a 0 % APR until - -. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in - -, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the word... |
Bank of America Credit card convenience checks May 3, 2016 - Bank of America lied to me about the interest rate on my credit card. I was told that the go to rate on my card would be - instead it went to 22 % interest. They stated it was because of how I accessed the cash with a convenience check instead of doing it online or over the phone even though when I made the advance I was told it go to the purchase APR and not the cash advance APR. ... |
U.S. Bancorp Credit card convenience checks February 26, 2016 - We have a USBank credit card and received the 'free ' interest rate checks. The offer was 18 months no interest. We paid a dental bill with - check and interest to start - - if not paid in full. Later in the year they sent checks again offering 18 months with no interest. We used - check to pay for a hot water heater repair interest to start - -. Finally had to use the offer of 18 months with not interest. We used - check again to pay a dental bill. Now we have - outstanding amounts - is due to expire - -, - - - and - - -. We sent in a larg... |
U.S. Bancorp Credit card convenience checks November 22, 2015 - I cashed a convenience check linked to my US Bank - - - - - -. After depositing the check I changed my autopay setting from pay full balance to pay the minimum balance. The autopay setting does not change for 30 days and I was charged a fee even though I had payed the minimum balance. US Bank 's convenience checks create a catch-22 for customers who are enrolled in autopay where either the balance of the recently cashed check is payed in full or a fee is charged ( due to not having sufficient funds in the account ). Essentially, someone at US Bank with autopay is cashing a co... |
JPMorgan Chase Credit card convenience checks November 17, 2015 - On -/-/- Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me $20.00 balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on -/-/-. I called them up last night and i was told by them that there has a message on the last page of the statement ( total - pages on the statemen... |
Wells Fargo Credit card convenience checks November 12, 2015 - I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that $300.00 a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the $300.00 and I am still being charged interest. Why?? ... |
SunTrust Bank Credit card convenience checks November 5, 2015 - SunTrust Bank offered me a - to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in -, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest. What I learned today is that my monthly p... |
Bank of America Credit card convenience checks October 27, 2015 - I had - balance transfers, both with a 0 % promotional balance on my Bank of America : - - - credit card. 0 % balance transfer 1 - Transaction date : -/-/- for $2000.00 with a 3 % fee. Promotion expired -/-/-. 0 % balance transfer 2 - Transaction date : -/-/- for $1400.00 with a 3 % fee. Promotion expires -/-/-. I had made minimum monthly payments to this card. On -/-/- I made a full payment for the $2000.00 balance + 3 % fee ( $60.00 ). As of my account statement ending on -/-/-, instead of continuing my 0 % balance tra... |
Bank of America Credit card convenience checks October 17, 2015 - Bank of America sends me checks in the mail each month as part of a promotional effort to reduce credit card rates. I have told them that I do not want these checks sent to me, and they continue to send them. How can I get them to stop? ... |
Wells Fargo Credit card convenience checks October 14, 2015 - Wells Fargo is sending unsolicited - '' - checks that draw from your credit card. In my opinion these are extremely confusing to customers to send out, and now disposing of these correctly has become my problem. Each check includes at least - digits of my credit card number, and recovery of any check would be enough to deposit it electronically on my credit line. ... |
JPMorgan Chase Credit card convenience checks September 23, 2015 - I have new information for compalaint # - ... Chase had sent me a credit offer to pay off other credit cards and i may have up to $ - dollars credit? I had $12.00 in checking account so i was led to believe this was so??? I sent out - checks to other credit cards to pay them off and they were declined and had to pay - dollars on the bounced credit card checks ... they will not pay the bounced fees and i am upset that they did something so stupid!!! Chase responded they will not pay those bounced fees!! ... |
Bank of America Credit card convenience checks September 8, 2015 - Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that th... |
Citibank Credit card convenience checks July 30, 2015 - After checking my Sears Credit Card online statement in - 2015, I noticed an unauthorized Balance Transfer Convenience Check transaction ( ck # - ) that was posted to my account on -/-/2015 in the amount of $400.00 and a $16.00 balance transfer fee. I sent Sears Credit Card a letter stating that I never authorized the issuance of any type of balance transfer checks for my credit card account nor have I ever received any type of balance transfer checks in the mail. I requested that a dispute inquiry be opened since I was a victim of balance transfer check fraud. The bank sent me... |
Fifth Third Bank Credit card convenience checks June 4, 2015 - I wrote - convenience checks at the same time with a promotional rate of 2.99 %. Both cleared within days of each other and within the offer time. I paid a small fee on both for the privilege '' of using these checks. I have been charged the promotional rate on - check and 15.99 % on the other. I have called and spoken with representatives numerous times and have been told every time that the issue will be handled but it has not. ... |
Wells Fargo Credit card convenience checks May 20, 2015 - Wells Fargo has refused to comply with the terms of a letter that they sent to me regarding convenience checks for a credit card account. Specifically, Wells Fargo has effectively charged me a 2 % check transaction fee rather than the 0 % introductory rate '' for check transactions '' described in their letter. This is an unethical bait and switch '' swindle which can not be justified based on the terms of their letter. In early - of 2015 I received some convenience checks from Wells Fargo along with the attached cover letter from - - - dated - -, 2015. Please note that th... |