Review and analysis of over 178 consumer complaints
| JPMorgan Chase |
| Capital One |
| Bank of America |
| Citibank |
| GE Capital Retail |
| Amex |
| U.S. Bancorp |
| Wells Fargo |
| U.S. Bancorp |
| Amex |
| GE Capital Retail |
| Citibank |
| Bank of America |
| Capital One |
| Company | Complaints |
|---|---|
| Capital One | 61 |
| Citibank | 18 |
| JPMorgan Chase | 15 |
| Bank of America | 14 |
| U.S. Bancorp | 13 |
Citibank Credit card overlimit fee December 30, 2016 - Citi- - Master Card/- charged me a $39.00 over-limit fee for being $79.00 over the limit. I am a 20 year card holder and I called to ask it removed. I was told they would not. I asked to have a block put on the card so it would not happen again. They said they would not - it was my problem to watch my spending.... |
Capital One Credit card overlimit fee December 22, 2016 - accepted 0 % balance -fr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to ... |
Wells Fargo & Company Credit card overlimit fee December 16, 2016 - In - 2016, I contacted my mortgage company, Wells Fargo Home Mortgage, and instructed them to start automatic payments for my next payment. I was told that it takes a full billing cycle for it to take affect. Given that the request was after my - payment, my next full billing cycle was - meaning that - was when the automatic payment would take place. In -, I paid my mortgage payment manually as I was instructed to do. Wells Fargo then proceeded to take an automatic payment out of my Wells Fargo checking account despite being told that this would n't happen until -. This overd... |
Wells Fargo & Company Credit card overlimit fee October 30, 2016 - I have a Wells Fargo Secured Credit Card, with a payment due the - of every month. I paid my bill on the - by transferring funds from my Wells Fargo Checking Account. I woke up the next day to find an account over-limit fee of - added to my balance. This is not the first time this has happened. After calling customer service, I was told they attach a '' ghost fee '' ( which " should '' fall off in 3 or 4 days ) to the bill even though it was paid on the due date and not late. There is no notification of any such fee in the card disclosures, and when I mentioned this to the customer se... |
U.S. Bancorp Credit card overlimit fee October 25, 2016 - I use a US Bank rewards card for company expenses and pay it off each mot month. When I was reviewing last months statement yesterday, I noticed that a $57.00 interest charge had been added. I was surprised at that because of my pay it off each month process. I checked the date of the payments last month to see if they arrived late ... no they were there on time. Then I checked the past due line on the statement and there was zero showing as past due. So I called to see what I was missing. After all $57.00 is real money. The person on the phone quickly advised me that they would waive the ... |
Wells Fargo & Company Credit card overlimit fee October 18, 2016 - In - 2016 was charged an over limit fee on - of our business credit cards held with Wells Fargo. I spoke with someone directly at my branch asking if there was a way I can instead just have transactions declined instead of the over limit fee being automatically applied. I was told this was not an option. I have been charged $39.00 for going over the limit a few times since, and after - in - I called to speak with someone and again was told there was no option to opt out of over limit fees. However, this is contradictory to information I have read on this site that states Consumer... |
Citizens Financial Group, Inc. Credit card overlimit fee September 19, 2016 - I have a Citizens Bank credit card. I have not made a purchase on the card since - 2011. I have the payment auto deducted from my checking account. The way this card is set up you can only have the minimum payment deducted or the full balance of the card. I had, the minimum payment deducted every month. Somehow with no purchases made the interest took the balance over the credit limit. Seven times in the past year they have charged me, a - fee. Called them, they said they would credit me - fee. I do not understand how you can make a minimum monthly payment and the card went over the ... |
Capital One Credit card overlimit fee July 15, 2016 - In -/-/- my credit card was reported over the spending limit and i lost - points on credit score the problem is that i never went over my limit and call into Captial One and it was investagated 3 times and they came back and said yes it was an error on there part and could n't correct it for up to 60-90days ... I was in the process of buying my house for my children and i and should not be punish by losing my house and loan because of an error on there part. I call for 3days and keep getting the run around this is not best practices at all not to mention that they didnt report me in -... |
Citibank Credit card overlimit fee June 29, 2016 - I have a Macys credit card and i wanted to place an order which never in the past i had an issue and when i was on the chat screen with someone from Macys they told me i was past my credit limit and i asked how much and they well your limit is $600.00 and you are at $800.00 and something cant quite remember the exact amount. but i said " WHAT! '' how can i be past my limit when i was never told i was past my limit and to this date i get emails from you saying to pay the minimum due which is $29.00 and i pay $30.00 or more! How can they do this isnt this a ripoff?? if im at my limit the... |
Citibank Credit card overlimit fee May 24, 2016 - In the transition between - - - and Citibank, my balance was not transferred from - - to Citibank completely. - and Citibank sent out notices stating that because of a change from - they would be closing all - related american express cards and transferring the balances to Citibank, their new partner. Although I did not want this I had no choice. Now I find out that Citibank did not transfer the entire balance and would be reporting my account as over limit until. when I questions this the agent stated that he did not know what that report would do to my credit score. ... |
Barclays PLC Credit card overlimit fee April 17, 2016 - I transferred a $10000.00 ( estimated ) balance to a zero interest card Barclaycard us & I get my first statement, I have $300.00 in interest fees! I call the credit card company, she tells me they will do an " investigation '' and get back with me ... .been 4 months & I have heard nothing!!!! I go on the website to change my due date to a different date, when I have more money in the month ( due to the extremely high payment ). I go on the website 2 weeks late & the date is still not changed. You call the number to the company & " their systems are down, please call back at a different ti... |
Synchrony Financial Credit card overlimit fee March 14, 2016 - - - - D.O.B - -/-/- SSN- - My name is - - - - I 've had a Banana Republic credit card account for almost a year. I recently had an issue with Synchrony Bank because they refuse to help and accommodate their customers even when they are the one 's who made the mistake. I signed up for electronic alerts to stay informed about my payment due dates. They failed to notify me about a payment that was due - -, -. Due to that mistake there was a late fee and interest applied to my account. My account shows that it went over the limit when that was not the case... |
Capital One Credit card overlimit fee March 10, 2016 - I have had many credit cards and I have never experienced this. Capitol One has been charging me an " over the limit fee '' every month, despite the fact that I pay at least the minimum payment ( $75.00 ) and do n't use the card! They have designed their system so my account will never be paid. Every time I tell them it is illegal, they reverse the charge, but then they turn around and do it again! It is essentially a pay day loan pretending to be a credit card. ... |
Citibank Credit card overlimit fee February 18, 2016 - I opened a small limit ( $500.00 ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around $300.00 ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the $500.00 limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest paym... |
Synchrony Bank Credit card overlimit fee December 28, 2015 - I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of $500.00 in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from $500.00 to $100.00. When they first changed my balance, I did not know, and they lowered my balance below what I ha... |
Capital One Credit card overlimit fee December 11, 2015 - My Capital One credit card was written off -/-/-. The debt was sold to a bill collector. The bill collector ( - ) says they are Collecting for Capital One. I just verified this statement with one of - agents over the phone on -/-/-. I have been paying on this account to - for over 4 years. On my credit reports the capital one bill decreases with payments made to -. Also, the account with Capital One E-CEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see... |
Capital One Credit card overlimit fee November 26, 2015 - I owned a business back in 2008 that I took a credit card out from capital one with a credit limit of - everything went well for the first 6 months then I started getting charged over the limit fees each month in the amount of - each month i called and was told they would not remove them after a year i gave up paying on it they had doubled what i owed them raised my interest rate now they have hired an attorney which has put - judgement 's against me for it - on my checking account - on my state taxes and the - - is on my house which has a mortgage on it all for the amount... |
Capital One Credit card overlimit fee November 24, 2015 - I have paid Kohls credit card on time every month with my online pymnt scheduled out monthly, I was only using the card to build credit. Never leaving a high balance for any length of time, I will pay at least minimum with online banking, somehow the are showing me as 128 % utilization which is hurting my credit score! How can I be that much over when its paid monthly through banking plus me adding payments to keep this low..This being the second month they screwed up, I called Kohls and they told me they will not help me..until - -.Im trying to buy a house, this is hurting me! good bye ... |
Capital One Credit card overlimit fee November 2, 2015 - Capital One continually charges me overlimit fees, despite the fact that I have n't used my card in many months! I call every month to complain and it takes me threatening to report them for them to remove it. I 'm tired of this. I 'm sure they are doing this to other people and it is illegal. I pay the minimum or more every single month. I do n't use my card, yet they find a way to charge me these fees. Please look into this practice. It has to be illegal. This is a record of what has happened since -/-/- ( the last time I purchased anything with this card ) : -/-/-Minimum due $... |
Capital One Credit card overlimit fee October 20, 2015 - Opened a Capital One - Business Card in 2013. Have paid on time everymonth since opened. Notice balance is not going down but slowly going up. I reviewed my statements and back to - 2013 - 22 month ) I have been charged $ -/mnth " Over Limit-Fee ''. When I spoke to Capital Ones customer service department they refer to the " OPTION '' to opt out of the overlimit option. When I signed up, and read the terms, the option was obviously not clear or clearly presented.This is an unfair, unethical practice. ... |
Arvest Bank Credit card overlimit fee October 20, 2015 - Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until - 2015. I found out that Security Bankcard Center has been charging me over $ - $100.00 per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ - $100.00 for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year ju... |
U.S. Bancorp Credit card overlimit fee October 16, 2015 - I got charged $39.00 for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection. ... |
Bank of America Credit card overlimit fee September 9, 2015 - Overlimit fee paid without my consent or opt in. ... |
Bank of America Credit card overlimit fee August 10, 2015 - Hi based on Bank of America overdraft fee class action lawsuit, I was not refunded for the overdraft fee that they charged me on 3 months in a row back on - for -, - and - and a late fee for - -, each of them in the amount of $35.00. It was only - late fee that should be waived as I know other credit cards are offering to their customer. I was their customer since -, on - I proved enough for my loyalty besides them. ... |
Capital One Credit card overlimit fee May 20, 2015 - My daughter ordered some underwear using my credit card. For some reason - has been charging my credit card - every month there after. My credit card is now max because I always just pay it. My daughter swears she never authorized a month amount. She is only -. Now I ca n't get my money back and I have paid - on the - of every month for nothing. ... |
Amex Credit card overlimit fee April 25, 2015 - My mother has an Amex - credit card. She has a $6000.00 limit. She 's had it since -/-/2000. She pays it off in full every month. In early - she had home repairs done and it put her $3400.00 over her credit limit. The payment was not declined because it went over the $6000.00 limit. She received the statement and she paid off the amount in full. She just received her next statement and there is a $54.00 interest rate!! What is that?? After talking with some people, I 've been told this is the interest charge for the $3400.00 that was over the limit - If this is an over limit... |
GE Capital Retail Credit card overlimit fee April 1, 2015 - Hi, - of my credit card charged deferred interest rate after 1 year of 0 % APR. In the beginning they said 2 year 0 % APR and later the later they said 1 year 0 % APR and at the end of 1 year of promotion. They charged around $1900.00 as interest in my balance as deferred interest. Can they charge that high as deferred interest? I have never heard of it. Thank you ... |