Review and analysis of over 4,582 consumer complaints
| PayPal |
| Sterling Jewelers Inc. |
| Synchrony Financial |
| USAA Savings |
| Barclays PLC |
| State Farm Bank |
| Pentagon FCU |
| RBS Citizens |
| TD Bank |
| Synchrony Bank |
| JPMorgan Chase & Co. |
| Regions |
| First National Bank of Omaha |
| Navy FCU |
| Company | Complaints |
|---|---|
| Citibank | 865 |
| JPMorgan Chase | 798 |
| Capital One | 618 |
| GE Capital Retail | 496 |
| Bank of America | 406 |
Synchrony Financial Credit card apr or interest rate April 7, 2017 - I had a verbal agreement with -/Synchrony Bank to close the account and pay $50.00 a month for 48 months ( interest free ) to clear the account. They never told me or send me any written agreement of the condition of the arrangement. After making few months payment I somehow missed a payment and they immediately cancel the arrangement without notifying me and started charging interest and late payments fee and cause a past due balance of $290.00 which I made for - -.... |
Synchrony Financial Credit card apr or interest rate April 5, 2017 - I am submitting a formal complaint regarding my CareCredit account and request that interest be removed from my account and only be charged from the balance when the promotion ended. The original loan was for $8100.00 and I had paid it down to $3200.00. Going back to the original balance is unfair and deceptive practice. CareCredit is performing like a predatory lending company and not like a bank charging interest rate at 26.99 % to low income consumers. When I called Synchrony Bank to complain and to request a copy of my signed terms and conditions they referred me to the dentist office.... |
Citibank Credit card apr or interest rate April 4, 2017 - - NJ - - Corporate Office : To whom it may concern, Grievance : Home depot customer service representatives failed to provide information for the hardship program when I was unable to make payments. I was unemployment, divorced and subsequently developed a -. During this time I responded to several phone calls from customer service representatives when payments were late or no payment was able to be made. I provided the representative with the reason for the inability to may monthly payments. No discussion other than when can you make a payment was the prevailing factor and conce... |
Bank of America Credit card apr or interest rate March 31, 2017 - I have a Bank of America credit card. Last -/-/- I took advantage of 0 % APR balance transfer offer that they had that offered a balance transfer at 0 % APR until -/-/2018 for a one-time transfer fee. I have transferred balances to this credit card earlier without any issues so I was not expecting any problems this time. However, when I happened to check my credit card balance this month, I noticed that I was being charged a 1.99 % APR. I have tried calling Bank of America several times and even spoke to one of their supervisors but could not get anyone to help with fixing this. The Cus... |
Barclays PLC Credit card apr or interest rate March 28, 2017 - The interest rates charged by Barclay Bank Delaware on credit cards exceeds 19 % and is usurious. I requested that the interest be lowered so that I could pay the card off in 3 payments and was told that it could not be lowered. I am a senior. The balance on my card is $12000.00. and $3200.00 respectively. I have asked numerous times for a reduction and have been told that nothing can be done. I have been told by my attorney just to stop making payments on the accounts because they will not work with me. They have told me that settlement on the accounts, even if they are paid in full would... |
Synchrony Financial Credit card apr or interest rate March 24, 2017 - I was unfairly and wrongly charged back interest on unpaid promotional interest purchases. When logged into Amazon store card online, you can select promotional purchases, which shows you the promotional purchases that are going to expire, however in this instance, I had too many promotional purchases ending on - -, so many were apparently not being displayed. The amount I was charged for not paying the promotional purchases off in interest charges was $420.00! and then I was unknowingly being charged interest on top of that each proceeding month thereafter. Thus I thought I was paying... |
U.S. Bancorp Credit card apr or interest rate March 24, 2017 - I received a letter in the mail from " - '' advising of " some important changes that are being made '' to my credit card Account. The letter provided - digits identifying " Your Account ending in .... ''. While I have a credit card ending in those - numbers, my statement for that credit card comes from Bridgewater Credit Union, not -. Nowhere on the letter does it indicate that they are the servicer for Bridgewater Credit Union. This is DECEPTIVE in nature. The letter went on to advise that the Annual Percentage Rate on the credit card Account was being increased due to an account... |
Synchrony Financial Credit card apr or interest rate March 20, 2017 - I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the account.... |
Citibank Credit card apr or interest rate March 18, 2017 - I have been a costumer with best buy for many years lately I have noticed that even buy doubling my minimum payment the balance did no budge much I went to take a look at where my interest rate was and I found out the interest rate was no were to be found on the credit card website all what is shown is my minimum payment and the balance. I called Citi as they are the ones who issue the best buy credit card, they told me that my interest rate was in the statement if i chose to download it. After I downloaded the statement I found out to my surprise that my interest rate was not there either. I... |
Bank of America Credit card apr or interest rate March 15, 2017 - I applied for a credit card in mid -/-/- with Bank of America. My wife recently applied for a card with them, got a good credit limit and decent interest rate, so I decided to apply for one as well. The balance transfer offer is what really got us, 21 months 0 %. I applied for the card and upon submitting my application I received an email saying it was under review. That was fine, understandable. I was approved the very end of -/-/-/beginning of -/-/-. I received my new card and terms of my new card on -/-/2017. I was very suprised to find that they gave me an interest rate o... |
Citibank Credit card apr or interest rate March 12, 2017 - Dear Sir/Madam, In -/-/-, Costco terminated their relationship with - - and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using... |
Citibank Credit card apr or interest rate March 10, 2017 - I received a bill from Macy 's Store Credit Card on -/-/2017 with a total new balance for that statement in the amount of $300.00. The payment due date listed on the statement was -/-/2017. I made a payment in the amount of the full balance of $300.00 on -/-/2017 bringing the account balance to zero. According to the card-member agreement included with the bill, interest will not be charged if you pay your new balance by the payment due date each month. On -/-/2017, I received an email notification stating my Macy 's card balance was overdue. I pulled the statement and it showed I ... |
Bank of America Credit card apr or interest rate March 10, 2017 - Bank of America -. Misleading advertising. " Introductory APR '' " 0 % for 12 billing cycles '' One would think the card has 0 % for 12 months. However, fine print states that " Applies to any balance transfers made within 60 days of opening your account '' and it ONLY applies to balance transfers, not to purchases. Very misleading.... |
U.S. Bancorp Credit card apr or interest rate March 9, 2017 - I need to file a formal complaint regarding my -/-/- credit card statement from US Bank. I was incorrectly charged interest of $100.00 on this statement. I had a 0 % purchase transaction balance on this card which expired in -/-/2017, which I made a payment of $8600.00 on -/-/- to fully pay off. However, US Bank applied this payment to my 0 % balance transfer balance, which does not expire until -/-/-. This is an Unfair and Deceptive Act and Practice. I am requesting that US Bank refund the interest charge of $100.00 and reinstate the 0 % rate on my balance transfer rema... |
Citibank Credit card apr or interest rate March 9, 2017 - Macy 's has adopted a " minimum interest charge '' of $ -/month - regardless of the balance due at the time interest is calculated. If the balance due is $0.00, for instance, the $2.00 minimum would reflect a??? insane rate of interest. Does n't seem fair.... |
Synchrony Financial Credit card apr or interest rate March 6, 2017 - In -/-/- my Lowes Credit Card rate on purchases was 24.99 % APR, in -/-/- it was raised to 26.99 % APR. When I called about the reason for the increase, the explanation I was given that is was a corporate decision and went into effect for all customers and that it is line with all competitors rates. My Home Depot card is not that high, nor is my - card. I have an issue with this rate as it is only 3 % below the Criminal Usury Statute here in NJ. I will attach statement from -/-/- and -/-/-.... |
Synchrony Financial Credit card apr or interest rate March 6, 2017 - I 've recenlty been a victim of a preditory loan. I purchased a bed from - - in California and with it came a promotion for 2 years 0 % APR. During those two years I made regular payments on the credit card through Synchrony Bank and also requested e-statements rather than paper bills each month. I never received an e-statement in my email, which on their website it says I was to be receiving e-statements, but they made sure to take out payments from my bank each month. Recently the 2 year 0 % financing period ended and they charged me 30 % APR deferred interest on the original purchase ... |
U.S. Bancorp Credit card apr or interest rate March 4, 2017 - In -/-/-, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from rai... |
Citibank Credit card apr or interest rate March 2, 2017 - Below is the essence of my complaint, extracted from a letter I wrote - - CEO of Citicards, division of Citigroup. I am writing to you about the usury -level interest rate Citicard is charging me. My interest rate prior to and including - was 10.46 percent -high enough - For some reason, I do n't recall ever giving consent or receiving any information about the change - my interest rate was raised to % 26.74. Let me say I would never ever agree to an interest rate of % 26.74, which my rate was raised to. I am a -, with fluctuating income, and always busy, as - - said " ... |
Citibank Credit card apr or interest rate February 28, 2017 - I purchased a riding lawn mower from Home Depot using the Home Depot Credit card with no interest if paid in full within 24 months. The lawn mower was defective and caught fire. The company reimbursed Home Depot the full amount, Home Deport credited the account $1800.00 on -/-/2015. However Citibank who is the card issuer did not apply the amount to the no interest purchase and have now added the full interest amount to my credit card.... |
Citibank Credit card apr or interest rate February 25, 2017 - I purchased a new washer and dryer from Home Depot and took out a new credit card issued by Citibank. The terms were any purchase of $1900.00 or more would be 24 months of no interest if paid in full. I contacted customer service on -/-/2017 and was told that they have me on 6 months of no interest. I asked the representative to make the correction to 24 months and they said they could not help me. I need this corrected to match the terms I agreed too and its the sole reason I opened the credit card.... |
Citibank Credit card apr or interest rate February 24, 2017 - I own a Macys/star rewards credit card. The card carries an interest rate of 25.74 %. I recently had a balance of $340.00 on the card. Macys received payment of the balance in full on -/-/17 per my - credit statement. On the same statement, Macys charged me 25.74 % interest on -/-/17 on a balance of $300.00. They added the interest total to new purchases ( made on -/-/17 ) due on -/-/17. I called Macys to question why they would charge me interest on a bill amount that was paid in full before interest was accrued. -, the Macy representative, I spoke with on -... |
Synchrony Financial Credit card apr or interest rate February 23, 2017 - Synchrony Bank is applying portions of my payments in excess of minimum payment due to my lower interest rate balance instead of the balance subject to the highest interest rate.... |
Citibank Credit card apr or interest rate February 22, 2017 - I purchased a refrigerator at Best Buy and the customer representative set up the account for 18 months deferred interest. After 18 months over $1100.00 in interest was backed charged. I did n't receive any advance notice that the promotional interest free date was ending. Not one notice was emailed or mailed to me regarding the promotion ending and the charges that would occur. I did not receive any billing statements by email or postal mail in - 2016. I feel this a bait and switch tactic as there are no alerts or special notices emailed or sent to the customer after 18 months to indicat... |
Synchrony Financial Credit card apr or interest rate February 16, 2017 - I have Care Credit ( Synchrony Bank ) for my pets. I was told that the interest will be deferred for 18 months on my purchases ( - visits ). Yet I saw an interest charge on my bill. I was informed by credit manager that the interest charge is deferred on Minimum Purchases of -! I informed her that I was never told about that and asked her where on my bill does it say that? She said that it wo n't be on my bill! That I can go online and find it under Tens n Conditions! And she blamed the Retailer for not telling me! This Bank has had problems with deferred interest in the past. The Feds l... |
Barclays PLC Credit card apr or interest rate February 13, 2017 - I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you... |
Wells Fargo & Company Credit card apr or interest rate February 12, 2017 - I applied for and used Wellsfargo cash wise visa card last - because there was a promotion said that there would be 0 % APR for 12 months, get $150.00 cash back if I purchase $1000.00 or above within three Months ... ..Actually I still keep the photo picture of this page of website. I checked at Wellsfargo in - ( NC ) branch to ensure it would work before I started to use this credit card. I made a phone call to the costumer service and checked this promotion again at wellsfargo - - and - branches to confirm 0 % APR after I received first credit statement, and no one told me... |
Synchrony Financial Credit card apr or interest rate February 8, 2017 - I have a Walmart Mastercard. My payment date is the - of the month. - I paid on the - online before -. Walmart immediately recorded the transaction in pending activity for the - making my payment late even though the - was confirmed on my payment page. I noted and corrected it in pending activity. It took me two times to stop the default. - I paid my balance in full on -/-/17 specifically using the -/-/17 date. The payment did not post in my checking account on -/-/17 so I checked my Walmart MasterCard Account because of the last month 's issue. This pay... |
U.S. Bancorp Credit card apr or interest rate January 31, 2017 - I signed up for an 18 month duration US Bank interest free credit card, Acct - :. zero % interest rate on purchases if minimum fee ( 1 % ) paid within 30 days I paid the 1 % minimum fee -/-/-. The -/-/- bill says " failed to pay the minimum fee '' and asserted the billing cycle was 29 days not 30, declared me in default of my 1 % minimum ; credited my minimum fee to -/-/- bill, and charge 15 % interest and $39.00 " fees '' and have charged me interest ever since. This is just plain fiction. I want it reversed... |
Bank of America Credit card apr or interest rate January 31, 2017 - I applied and received a Bank of America credit card 15-20 years ago. The card was issued with a 5.90 % fixed rate. I was just reviewing my statement and noticed that my rate has been changed to a 6.40 % variable rate. Is the issuing agency allowed to change my rate from a fixed ( as agreed ) to a higher variable rate without my knowledge or permission? I contacted Bank of America but they were unwilling to reverse the changes that they made.... |
Synchrony Financial Credit card apr or interest rate January 30, 2017 - After i consulted with my medical provider, i was asked to speak to the billing coordinator prior to scheduling anything She provided me with literature about care credit financing attachment included It was aligned to me that there were various payment options available including promotions for interest free financing over periods of 6, 12, and 18 months. I was told my purchase would also qualify because it would exceed the minimum purchase requirement. I was also told that i would have to be approved for credit worthiness. The credit application was submitted and accepted. The purchase was m... |
Wells Fargo & Company Credit card apr or interest rate January 22, 2017 - The company applied a large interest charge to my account and since that charge has been charging interest on top of the charge. I have tried three times to resolve this issue. Each time I have spoken with the company, they have sent me letters and said they have provided documentation that I agreed to the terms. They have not sent any documentation. I wish to settle this charge with penalties to me as they do not have any documentation that I agreed to the terms and are being dishonest. The last call I had with the client the woman boldly lied to me and said she was looking at the agreement I... |
Citibank Credit card apr or interest rate January 21, 2017 - CITI double cash card lied and they will not fix the account. They are charging interest on a card that is supposed to be 0 % on purchases and transfers, but they are trying to say it is only transfers. It is clear on the offer it is both, and I want my interest fees refunded.... |
Bank of America Credit card apr or interest rate January 20, 2017 - I made a balance transfer awhile back for a 0.0 % interest rate until -/-/- with Bank of America. I owe $7700.00 of - on it. I have not used it for purchases for many years. I 've made payments by auto-deduction from BoA. I was stuck at the last minute for a business trip and bought an airline ticket, -/-/-. As soon as I was reimbursed, I paid it to the credit card. Since then, I kept having missed payments, and the minimum payment was always very different. Today I made another call to them, and was told I have 10.49 % interest on my airline ticket purchase. I said I thought th... |
Citibank Credit card apr or interest rate January 20, 2017 - I switched my Citi platinum card to a Citi cashback card. Shortly after switching, they offered me a 5.99 % APR on new purchases through -/-/17. I signed up for it, thinking that while I always pay off new charges every month, it would be nice to have a lower interest rate just in case. After sending an amount to cover last month 's new charges, plus an additional $100.00 to cover balance transfer amounts I had on the card at 0 % APR, I was surprised that I was charged an interest fee of $2.00. I checked Citi, and it looked as if the amount I put towards my new charges was not applie... |
Citibank Credit card apr or interest rate January 19, 2017 - On - -, - I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in -, -. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inqu... |
Citibank Credit card apr or interest rate January 13, 2017 - When I made my purchases with best buy the customer service representatives never said anything about having a deferred interest promotion all they said was 12 months interest free ... NOTHING WAS E-PLAINED OR SHOWN TO ME ABOUT DEFERRED INTEREST!! I feel completely taken advantage of and abused by this bank because I have large payments I ca n't afford and did n't plan on having on my account. I want at least some of the interest waived and a payment plan that will help me get this account paid down or I will continue complaining to every agency I can find... |
JPMorgan Chase & Co. Credit card apr or interest rate January 13, 2017 - I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.... |
Synchrony Financial Credit card apr or interest rate January 11, 2017 - Synchrony Credit / Sams Club card : I continue to pay my bill, at least the minimum amount due each month if not more, but the total interest charges and my balance continue to rise, even when I have not made additional purchases for at least 2 months. Furthermore, I am concerned that I am being double billed interest, as my " Balance Subject to Interest '', includes interest that was previously billed on my account, and is not solely comprised of purchases. This is what I have been told by their chat rep ( which the log disappeared once I told him he did NOT answer my question - - specific... |
JPMorgan Chase & Co. Credit card apr or interest rate January 11, 2017 - My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my -/-/- statement by $120.00 and saw interest charges on my -/-/- statement for $33.00. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My -/-/- statement reflected additional interest charges of $55.00. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the -/-... |
Discover Credit card apr or interest rate January 11, 2017 - To whom it may concern, I have been charged a late payment APR by Discover for the last few years because of missing one payment -/-/-. Based on the Credit Card Act of -/-/-, I believe this has been done unfairly and in a manner that is against the law. To my knowledge, I demonstrated six months of consecutive on-time payments, but did not see m y original rate restored. In addition, I 'm not even sure I was the full 60 days late required to even trigger the default rate. I have repeatedly contacted Discover about this and they have told me that they will not lower my interexst rate... |
Bank of America Credit card apr or interest rate January 10, 2017 - I opened a credit card that had 0 % interest and made a $14000.00 purchase. On - -, 2016 I was charged $150.00 for interest. I made several calls to BoA and opened a CFPB request when I did not receive my $150.00 refund. On -, I paid $13000.00, which was the entire balance minus the fee. On -, I paid for the $150.00 to prevent future charges while the CFPB investigation was taking place. I received a $150.00 refund on -/-/2016, which was as expected. On -/-/2016, however, I was charged $73.00 additionally for interest. I was not expecting this charge and I... |
Bank of America Credit card apr or interest rate January 10, 2017 - On -/-/- I made a payment of $15000.00. It left a negative balance of - $150.00. On -/-/- I received a refund from a merchant in the amount of $29.00 which left me with a NEGATIVE balance of - $180.00. I made - purchases on -/-/- in the amount of $1400.00 and $110.00. How can I be charged $100.00 for interest on -/-/- when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of $100.00.... |
JPMorgan Chase & Co. Credit card apr or interest rate January 6, 2017 - To Whom It May Concern : I had a promotional APR of 0 % on my Chase Amazon credit card. Chase has not applied my payments ( excess of min. payment ) to the account balance with the highest APR. In fact, when I researched how Chase applies excess payments on their website, I came up with the following ( see below ) " How are payments applied to the different APRs on my balance? When you make a payment, generally we 'll first apply your minimum payment amount to the balance on your monthly statement with the lowest APR. If you pay more than your minimum payment, we 'll next apply money to the b... |
JPMorgan Chase & Co. Credit card apr or interest rate January 5, 2017 - My account statement for a Chase Credit Card was due on - - in the amount of $1700.00. I processed the payment in full on - - - day prior to the due date in the amount of $1700.00. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged $25.00 interest. I was told that is the interest due from the - of the month until such time I ... |
Amex Credit card apr or interest rate January 4, 2017 - Welcome bonus was - % APR for first - months. AME- did not put that offer on my account... |
First National Bank of Omaha Credit card apr or interest rate January 1, 2017 - First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. - examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, -consumerfinance.gov- however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have... |
Synchrony Financial Credit card apr or interest rate January 1, 2017 - I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got - different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card... |
Synchrony Financial Credit card apr or interest rate December 31, 2016 - I 'd like to raise a concern over the interest being charged on my credit card, BP Visa, a private label card owned by Synchrony Bank. I 've had this card for over 20 years. I have not used the card due to a 13 % variable rate for the past couple of years. However, on a recent statement, I noted the card now has a 27.24 % variable interest rate. I called the company to ask why and for a reduction and I was told the rate is non-negotiable and set at that amount for all BP Visa cardholders. The cardholders credit and history are not factors considered. I will be cancelling the card ( I do n't ha... |
Citibank Credit card apr or interest rate December 31, 2016 - This is, in regards, to the unfair practices completed by Best Buy. When a customer makes a 6 months no interest purchase with Best Buy, it may sound like a good deal until ... .We made several payments on the purchase. As a matter of fact, we paid over the amount of the promotional purchase. This is what Best Buy financing company does unbeknownst to customers. They do n't apply the payments to the promotional purchase to reduce the interest or show the promotional purchase as paid off. When I called them about this, they stated, " I had to notify the finance company how I wanted the payments... |
Bank of America Credit card apr or interest rate December 30, 2016 - Bank Of America is trying to charge interest on PURCHARES made while there is a balance from a 0 % promo on my account. EVEN if those purchases are paid in FULL at the end of the statement period. I paid a Transfer fee of 3 % when I got the Promo offer. Is this practice even legal? They charged me $2.00 for having the $530.00 on the account from - - to - -, 2016.. Since it was not a full Month, the 11.9 % interest was calculated on $260.00 of the $530.00 for a total of $2.00.... |
Citibank Credit card apr or interest rate December 29, 2016 - While in college I joined the - in -/-/-. I spent six years in the - before enlisting in the - -/-/-. Prior to me enlisting in the -/-/- I applied for a Sears credit card in -. After during some research on SCRA and reading the blogs, I decided to apply for my Servicemembers Civil Relief Act benefits with Citibank through their Military Response Unit. I faxed my Department of Defense Manpower Data Center certification which shows my - start date and my LES. On -/-/-, I received a notification from Citibank stating I was ineligible to receive those benefits be... |
Citibank Credit card apr or interest rate December 28, 2016 - Citibank raised the interest rate on my credit card from 13.7 % to 28.99 % on - -, -. This was done without notice and otherwise in violation of the CARD Act of - which requires payments to be made over 60 days late for the interest rate to be raised. Citibank says that it left a telephone message for me but I never received one. It admits that it did not send any mail, email, or notice on the online account. Citibank believes that it is immune to United States law and can set rules and regulations as it pleases. It says that its account disclosures when the account was opened in -... |
Citibank Credit card apr or interest rate December 27, 2016 - Citibank is charging " residual interest '' on a statement from - days go when the entire balance was paid in full. I paid $750.00 in -/-/- to bring the account to a - balance when the account statement was for $720.00. In -/-/- they billed me $24.00 in interest when I paid the previous statement in full. When contacted they said it was " residual interest '' from the -/-/- statement when I paid $500.00 and the bill was $550.00. I paid $4.00 of interest on the remaining $57.00 in -/-/-. I attached -/-/- 's bill to show that every month my bill was p... |
Barclays PLC Credit card apr or interest rate December 27, 2016 - I had opened a Baclays Bank Visa card through an offer from - in -. I recently noticed that even though I do n't use the card much and pay every month, My balance does not go down much. I realized that I am paying a gigantic 22.4 % in interest when the - rate is near - and the mortgage rates are around 4 %. As a result, I am paying well over $200.00 every month in interest and it hurts me financially. I spoke to the bank -/-/- to lower the rate and they offered 18.4 % going forward and said that because the - is raising rates, they have no flexibility to offer any oth... |
Discover Credit card apr or interest rate December 27, 2016 - on - i called discover to see about lowering the interest rate on my account and was told it could n't be done but financial aid may be able to help. i spoke to - - - - who said i could be put on a program that would reduce my interest rate to 9.9 % o both purchases and cash advances for a period of 6 months. i noticed that each month the cash advance amount would increase. when asked why i was told all money after interest was applied to the lower purchases balance and the only way to decrease cash advance amt. was to get that balance below the purchase amt. - checked with h... |
Barclays PLC Credit card apr or interest rate December 23, 2016 - My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( -/-/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( -/-/2016 ) there were nearly $160.00 worth of interest charges, and the statement reflected the new 16.24 % current interest rate. When I called to complain and ask that the inte... |
Wells Fargo & Company Credit card apr or interest rate December 23, 2016 - Wells Fargo had my APR rate set at 12 %. I made - late payment in -/-/2016, APR immediately jumped to 28 % & back charged based on 28 % rate as opposed to 12 %. Wells Fargo has a history of bilking clients ( fake accounts ). It looks like they are moving this practices of bilking clients by back charging APR. I have decided to close out my accounts with them as I no longer trust their employees and business practices.... |
Bank of America Credit card apr or interest rate December 21, 2016 - I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before - obviously that did n't mean anything to them. I will not be working with BoA again.... |
JPMorgan Chase & Co. Credit card apr or interest rate December 21, 2016 - Requested Chase to lower my % rate. Have been good customer for over 9 years. Never missed or late payment with Chase. I have viewed - ( - ) Chase customer credit card statements. These friends of mine have a credit score equal to or less than my credit score. They make less money, they have been with Chase a much shorter period of years. My % is 29.99 with Chase, which is Very High. All of my - Friends have % rate between 23.99 % -16.99 %. I have send many emails, and spoke to employee of Chase about this problems/issues. The only difference that is Displayed is that I am -. And C... |