Review and analysis of over 173 consumer complaints
| Capital One |
| Citibank |
| JPMorgan Chase |
| Barclays |
| Bank of America |
| U.S. Bancorp |
| Discover |
| Wells Fargo |
| Discover |
| U.S. Bancorp |
| Bank of America |
| Barclays |
| JPMorgan Chase |
| Citibank |
| Company | Complaints |
|---|---|
| JPMorgan Chase | 33 |
| Bank of America | 29 |
| Citibank | 23 |
| Wells Fargo | 22 |
| U.S. Bancorp | 10 |
Barclays PLC Credit card balance transfer fee March 27, 2017 - My card ending in - I was approved for a Barclaycard on -/-/2017 I was asked if had a transfer 0 % Int. I did, to - - for $4800.00 -/-/2017, Went on line did not see the transfer. Used the card on -/-/2017 and saw the transaction of $55.00 to - Still did not see the transfer of $4800.00 About three weeks after approval I see the transfer of $4800.00 to - -, - times $ -.= total of $9600.00 I called after sending 4 emails and no respond. Lady said that Indeed looks like an honest mistake/Error. Lady on the phone said if I return the $4800.00. I will g... |
Barclays PLC Credit card balance transfer fee March 24, 2017 - I applied to the Barclaycard Ring Mastercard becuase the offered no interest and no FEEs for balance transfers. We got approved and when we went to do our balance transfer they told us there would be a fee. We complained, stating that the website application says no fees. We called Barclay and showed them the website and they said they would pass this along and it would be 10 business days to get it fixed. It has now been 14 business days and nothing has been solved. We keep getting put off. The application website is still up offering the no transfer fees and interest free on balance transfer... |
U.S. Bancorp Credit card balance transfer fee February 24, 2017 - I made - balance transfers to my Elan credit card of $300.00 each from my - and - cards. Their system sent - transfers of $300.00 to - and - transfers of $300.00 to - for a total of - balance transfers which gave me account credits on both cards since I owed less than $600.00 on each. When I called and asked them to correct the problem, or refund the additional $11.00 for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my oth... |
Wells Fargo & Company Credit card balance transfer fee January 30, 2017 - I was charged $440.00 on -/-/- for a balance transfer check. There were NO terms and conditions attached with the convenience checks that I received so the fee of 3 percent was not disclosed to me in advance. Also, the credit card in question was opened by Wells Fargo, not by me. Thus, I am not obligated to pay the balance transfer fee, and Wells Fargo basically refused to reverse it after discussing it with me over the phone today dated -/-/-.... |
Citibank Credit card balance transfer fee January 20, 2017 - I was a previous member of Costco while the primary card was still - -. I cancelled my Costco membership in - 2016 and constantly checked my - - account to make sure that there was no remaining balance. I was unaware that my balance would be switched over to CitiBank and now I have accrued multiple late fees and interest which has also had a detrimental affect on my credit. I have never missed a single payment to Costco nor - or any other credit card prior to this incident. If I was aware of the switch over of my balance to CitiBank I would have paid it off. I will gladly pay... |
Bank of America Credit card balance transfer fee January 12, 2017 - I received credit card checks by mail stating that : " As a valued customer and BankAmericard Cash Rewards MasterCard credit cardholder, you can take advantage of two limited-time offers to pay off debt faster, deal with unexpected expenses or keep pace with short-term borrowing needs. Choose both offers and save even more! '' Next to the statement above on the right side were two boxes describing each of the offers. One of the offer stated : " OFFER 1 LOWER RATE 0 % ( 0 % Daily Periodic Rate ( DPR ) ) Promotional APR until -/-/2017 Use Offer ID - - -, or use red check number - or -... |
Barclays PLC Credit card balance transfer fee January 5, 2017 - I have complained about this issue before but it falls on deaf ears. I am attempting to pay down a balance transfer on my credit card but the payments that I am making are not being allocated to my account and are " disappearing ''. I was told that I could pay off the balance transfer fee at any time so I have sent in - seperate payments just in - alone to try to pay off all my interest bearing purchases and the balance transfer fee so that all that remained was the zero interest balance transfer. When I send in the payment amount that I am told to pay to pay off those purchases and tran... |
Bank of America Credit card balance transfer fee December 9, 2016 - I signed up for a Bank of America credit card on -/-/2016 specifically to roll over my balance from my - credit card. I decided getting cash back was better than airline miles accumulation ( too many needed for an air ticket ). Nowhere on the application, email sent to me, on the letters I received AFTER the 7 day period was the information about charging a fee for the rollover. I LOOKED!!! Because I knew that some cards charge and some do n't. I can send the confirming email, as well. No where was I informed that I would need to spend $180.00 to do this dis-service. I did this on... |
Barclays PLC Credit card balance transfer fee December 5, 2016 - BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending -/-/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor -/-/2016 at - who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with -/-/2016 at - said the balance was not paid off and that I still needed to pay $190.00. Again, in - I made - paymen... |
Barclays PLC Credit card balance transfer fee September 22, 2016 - I have this card since -/-/- with the initial balance transfer of $450.00. I have paid on time never late. I do n't use it unless it is emergency, not checking my statement. I did not realized that I was still being charged for the balance transferred since -/-/-. I also did not realized that my monthly payment did not go towards the beginning balance transferred. I also did not know that I was charged with the interest of 23.24 % each month to this day -/-/- of $8.00 per month. How will I ever pay this off? If non of my payment goes to previous balance. Why are they splitti... |
U.S. Bancorp Credit card balance transfer fee September 18, 2016 - Elan Financial ( for my Fidelity credit card ) offered a zero % for balance transfers. The offer was not honored because I did not have the convenience checks - I do not keep many paper statements - and this was not honored by the credit card company. the case number for my quick account closure is -. I feel that my credit score will be damaged due to the fraudulent reasons given to open the accounts.... |
Citibank Credit card balance transfer fee August 17, 2016 - CitiBank does not state in their Terms and conditions or in account disclosure. that if i will use my credit card as - - transfer or any service like this, it is considered as a cash advance/Balance transfer. and they charged me interest + a - charge.... |
U.S. Bancorp Credit card balance transfer fee July 28, 2016 - On - -, 2016 I contacted US Bank by phone after getting notice of a missed payment on my credit card. I had set up an automatic payment for the account 3 weeks earlier on the bank 's website, but they did n't process the payment in time & then blamed me for the missed payment. They reduced my line of credit on the account and tried to charge me a late fee. I objected, stating that the error was their 's, not mine. The woman with whom I spoke, agreed to waive the late fee & to reinstate my previous line of credit. I shortly received a letter, stating that I would have to reapply if I want... |
U.S. Bancorp Credit card balance transfer fee July 14, 2016 - I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of $4300.00 to a different credit card. This brought the balance to zero and I was finished with this card. Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not rec... |
JPMorgan Chase & Co. Credit card balance transfer fee July 6, 2016 - RE : Case number : - Regarding the above referenced case number, Chase responded with a letter dated - -, - advising that they would not be refunding the $150.00 balance transfer fee. In the letter, they advised that they had reviewed my calls to Chase from -/-/- and -/-/-. They state that there was no mention of interest charges during the call on -. The fact is that I made calls to Chase on - @ -, - @ - - and - @ - -. Is n't it funny that they said they reviewed the call on -, but there was no call on that date? Also, during the c... |
Citibank Credit card balance transfer fee June 19, 2016 - Citi Double Cash Card Last 4 digits -. Phone : -. Name : - - Address : - - Al - PH - There was a credit balance on my card ( citi bank owes me $53.00. ) I was owed this money for - months and citi did not take any steps to refund me. Citi sent me blank check, I used - check to get my funds Citi was illegal holding without interest. I wrote a check for the amount $53.00 and deposit it to my account. Citi paid the check but charged me a fee of $5.00. There was no notice or info on the check that a fee would be charged. I want Citi to refund me the fee of $5.... |
Wells Fargo & Company Credit card balance transfer fee June 2, 2016 - About 6 month ago I applied for a secured Credit Card with Wells Fargo since I bank there for the last 4 years. I was approved and deposited $300.00 into the card. Since I have a - my mother is helping me with my monthly payments. On -/-/2016 I made a transfer in the amount of $45.00 from my checking account into the the secured credit card and got charged a $35.00 Overdraft Transfer fee. On -/-/2016 my mother made a $43.00 deposit into my checking account through the ATM, which was posted to my account on -. That means the bank was working with my money for 4 days before... |
Bank of America Credit card balance transfer fee May 12, 2016 - I have been with Bank of America for nearly 10 years now. It was my first and has been my primary bank account. Recent decisions have protected my investment in the stock but have lowered my confidence as a customer and today 's events was my breaking point with this organization. I waited nearly 40 minutes today to deposit money in my bank account. In summary, I was offered the opportunity for a 0 % interest rate for the next 16 months and the documentation I received indicated I could use it for a balance transfer or to deposit it into my checking account. There were several issues with this... |
Discover Credit card balance transfer fee May 7, 2016 - Discover credit card had send me several offer saving that there is no fee for transfer balancing. Once I applied for credit card and did my first balance transfer that was not the case and I was charged with the balance transfer fee.... |
PayPal Holdings, Inc. Credit card balance transfer fee April 2, 2016 - I received an email from PayPal about a settlement for Case -. They said I would be credited with $30.00 plus an additional $1.00 to cover a fee if I request a check. They did not deposit the $1.00 and are charging me for the check and giving me a refund of only $29.00. I realize this is a very small amount but with - customers, PayPal is cheating us again. I tried to call them bu I just get put on hold. They do not provide an option for electronic contact. ... |
Bank of America Credit card balance transfer fee February 14, 2016 - A representative of my soon to be ex credit card company blatantly lied to me and I was charged a $100.00 fee. I was considering making a crash transfer or " balance '' transfer from my credit card account and to my checking account but I was concerned about any fees or interest associated with such a transfer. So I called the credit card company, Bank of America in this case, and asked them about fees and interest. The representative told me there would normally be an interest associated with a transfer like that but that I am on a promotial period until - 2017 so there would be no inte... |
Citibank Credit card balance transfer fee February 5, 2016 - Citibank billed me for a balance transfer check in the amount of $920.00. I never wrote this check, so I called them to complain about this fraudulent and they sent me a new card and said they would reverse the charge. The next statement shows a balance transfer fee for $36.00 - this is 4 % of the balance transfer they said they would reverse. Why is Citi charging me a fee for a charge that I never made? Upon contacting their online representative, I was told I need to get on the phone with their call center for a third time. please have them do the right thing without havign to talk to a ... |
Wells Fargo Credit card balance transfer fee January 22, 2016 - Sir, Madam I am writing this letter to complain Well Fargo bank. 1. When i did a second balance transfer on phone they told me that, i just pay only one time charge for balance transfer either $5.00 or 3 %, ( No interest charge ), but when i received a bill, there is the interest charged on my bill. I did call the Well Fargo bank, but they did not resolve that happen. 2. I had never applied for credit defense, but they automaticlly made up the paper, and charged in my account. I was so frustrated and call them, they already credit back to my account, but that was illegal? 3. I had never a... |
U.S. Bancorp Credit card balance transfer fee January 6, 2016 - I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed $130.00 for the - balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my su... |
JPMorgan Chase Credit card balance transfer fee December 14, 2015 - I transferred - credit card balances totaling $660.00 to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges. ... |
Citibank Credit card balance transfer fee November 30, 2015 - This is a continuation of case # - where upon rectifying issues on prior complaint, I have now been charged additional fees. When Sears reallocated my - payment to 1 ) pay in full the revolving debt of $1500.00 and 2 ) apply the remaining payment toward the deferred billing of $1100.00, I was charged $16.00 to do that. Sears treated my money as if I did a balance transfer toward paying the deferred bill. Sears took the $16.00 out of my payment. I called Sears. Spoke with their dispute department and was told she could not do anything to help me with Balance Transfer Fees. I expla... |
JPMorgan Chase Credit card balance transfer fee November 21, 2015 - Chase Amazon ( Chase ) is confusing its customers with balance transfer offers & purchases made on the same Chase card account. Supposedly, a balance transfer offer of % interest for a specified period of time, usually 12 months, ( with a 2 % upfront ) fee, suddenly is changed to an 18.24 % interest when both the purchases & Balance Transfer are lumped together, making void the interest free period. I am being charged for - separate transactions as if they 're - transaction. This is deceptive. No matter they tell you when you do the balance transfer that any purchases made, in addition t... |
JPMorgan Chase Credit card balance transfer fee November 6, 2015 - Chase is misleadingly using the wording " Balance Transfer '' to mean everything, not just transferring a balance from one card to another. Nowhere in their terms or fees is this noted. This is completely misleading and a scam to their customers. This is a portion of a letter sent to chase and describes the issue at hand : We received courtesy access checks in the mail recently, and as -, we diligently read the terms and conditions very carefully before using any financial product. Everything was clearly spelled out on the concise paperwork provided. I have attached what was in the envelo... |
Citibank Credit card balance transfer fee October 22, 2015 - I was sent 0 % promotional balance transfer checks for my Citi credit card. The letter attached with the checks said in large letters at the top 0 % Promotional APR on Balance Transfers until -/-/2016. After that, your standard variable rate applies, currently 11.99 % APR. The standard balance transfer fee is $5.00 or 3 % of the amount of each transaction whichever is greater. '' However, apparently the balance transfer fee that applied to the checks needed to use the 0 % offer is 4 % of the amount of each transaction. This is extremely misleading advertising, I decided to use - of... |
JPMorgan Chase Credit card balance transfer fee October 7, 2015 - Chase credit cart promoted zero balance transfer fees for 60 days from the date our credit card account is opened, but did not disclose the actual date that the account was opened. As a result, Chase charged balance transfer fees when we believed we were within the 60-day promotional period. Letters sent to us specified an account activation date of -/-/2015 and Chase claims an earlier date was used as the account opening date. We contacted Chase to resolve this problem but they refused and argued that they considered the balance transfer fees valid. We consider this information to be a ... |
Citibank Credit card balance transfer fee September 25, 2015 - Sears mastercard credit card services provided balance transfers at 0 % until -/-/-, they only had one place on info that stated they are charging a fee vs interest on paperwork. This was misleading, so in fact they are getting there interest up front. There topic in bold larger letters states, YOU COULD SAVE ON INTEREST BY TRANSFERRING HIGH BALANCES. Checks should state that you agree to rates provided. I have used there checks before without this fee provision. Please advise ... |
U.S. Bancorp Credit card balance transfer fee August 27, 2015 - INTRODUCTORY RATE OFFERS WAS MISLEADING. DID NOT DISCLOSE ALL FEES. STATES 0 % INTRODUCTORY RATE FOR BALANCE TRANSFERS. BUT THEY CHARGED A 3 % TRANSACTION FEE WHICH IS NOT DISCLOSED ANYWHERE ON THE OFFER PAGE. HAD I KNOWN OF THIS UNDISCLOSED FEE I WOULD NOT HAVE DONE THE TRANSFER. ... |
JPMorgan Chase Credit card balance transfer fee July 8, 2015 - Registered for a credit card with a pre approved letter. The card was mailed to my old address and took time for it to be forwarded to my new address. I inquired about a balance transfer and over the phone they told me there is a 0 % fee. I just looked at my statement and there was a $100.00 fee. When I called them they claimed that the first - days there is a 0 % balance transfer fee and not for the first year as they informed me over the phone. I feel like I am being taken advantage of. ... |
Bank of America Credit card balance transfer fee June 28, 2015 - I called AAA to active a credit card. I was told about a balancetransfer, Interest free until -/-/-. ... |
Citibank Credit card balance transfer fee June 28, 2015 - I 'm writing to report that the banks have n't changed - bit in the area of setting misleading / confusing terms and agreements to their customers. Recently, i availed of a balance transfer offer from Citibank - I have a Citibank - Card. Even though my card agreement and pricing information table indicate that balance transfer fees indicate that fees would be $5.00 or 3 %, i was charged. When i contacted the customer service rep, his answer is that the balance transfer check i used had the terms as 5 %. How many forms is a customer supposed to look over to execute a simple balance tran... |
Citibank Credit card balance transfer fee June 23, 2015 - I received an email from the Citi Fraud department so I called Citi credit card services to gather more information. Upon talking to the representative I was advise a dollar amount that was different than what I had. I had used - promotional checks from Citi for 0 % on balance transfers until -/-/2016 with a $5.00 or 3 % fee, whichever was greater. After talking to the fraud department I started questing the amount and they transferred me to a customer service where I was told the fee is % 5 not % 3, I advised that the paper I have that is attached to the check states 3 % not % 5, C... |
Wells Fargo Credit card balance transfer fee May 18, 2015 - Hello, During - of 2015, I received a low interest rate offer from my credit card company, Wells Fargo, in my monthly bill statement promoting Superchecks '' that were linked to my credit card account. The offer is for 2.9 % APR for 12 months. The offer states that the superchecks may be used for balance transfers '' or as you would use a personal check for purchases. '' The offer clearly distinguishes balance transfers from purchases, and only states that there will be a balance transfer fee. After using - of the superchecks for a purchase, Wells Fargo charged me a balance transfer ... |
Citibank Credit card balance transfer fee April 14, 2015 - I have a credit card - - - -I have a balance of about $ 3500I am a - - veteranliving in a retirement home - - years oldThey are bialling me at $290.00 per month- I can pay about $100.00 -Macy is crrentlyf ining me each month I want to pay and have been paying my account up to date for several yearsCan I get a mediation?? ... |
Commerce Bank Credit card balance transfer fee March 25, 2015 - I applied for a new credit card so I could take advantage of a zero percent interest rate on a balance transfer. With my application I requested a $7000.00 balance transfer to pay off another card. I was only approved for $4000.00 and Commerce Bank automatically did a balance transfer for $3800.00. They added a balance transfer fee which put me over my new credit limit immediately. I did n't ask for the - amount at any time. I am concerned about negative credit reporting and additional fees and even the lose of my new zero percent interest rate. I feel this is against the Fair Debt Co... |