MBNA Sucks, well kinda...
07-22-2005, 10:32 AM
#1
Suzuka Master
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MBNA Sucks, well kinda...
Alright, a few days ago I had a payment due 7/18/05... So I scheduled one online a few days before and it would only let me make it for 7/19/05
I call up to make sure that it's not going to count as late...The lady tells me it will count as a late payment, and I will get a 35.00 fee, so we went through and placed a phone payment (15.00 charge) and she said it would post that same night. Anyways the next day, I didnt see it go through (after I canceled my online payment) and talked to a different Rep. She told me there is a 1 day grace period and my online payment was fine as is. So I said "Why the hell did she tell me to do over the phone then for a 15.00 charge?" She's like well she lied to you to make commision. "Oh great fucking CC company I have" She said she would credit me back for the 15.00 charge and go through with the payment and apologized.
Anyways my statement was 375.00 so I paid 400.00 to make up for the 15.00 fee because I dont want to use them anymore. So I had a 15.00 CR (credit) on my account as of 2 days ago. After I spend that 15.00, I was gonna just hide the card in a drawer and not use it anymore.
I logged in today....
Current Balance: $40.94 CR
What the hell? Was this a mistake? Or was this like a comp for being treated like a moron on the phone?
07/18/2005 07/18/2005 7639 MC C EXPRESS PAYMENT CHE - K FEE $15.00
07/18/2005 07/18/2005 1277 MC EXPRESS PAYMENT - THAN - YOU $400.00 CR
07/19/2005 07/19/2005 9749 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
07/19/2005 07/19/2005 9750 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
I call up to make sure that it's not going to count as late...The lady tells me it will count as a late payment, and I will get a 35.00 fee, so we went through and placed a phone payment (15.00 charge) and she said it would post that same night. Anyways the next day, I didnt see it go through (after I canceled my online payment) and talked to a different Rep. She told me there is a 1 day grace period and my online payment was fine as is. So I said "Why the hell did she tell me to do over the phone then for a 15.00 charge?" She's like well she lied to you to make commision. "Oh great fucking CC company I have" She said she would credit me back for the 15.00 charge and go through with the payment and apologized.
Anyways my statement was 375.00 so I paid 400.00 to make up for the 15.00 fee because I dont want to use them anymore. So I had a 15.00 CR (credit) on my account as of 2 days ago. After I spend that 15.00, I was gonna just hide the card in a drawer and not use it anymore.
I logged in today....
Current Balance: $40.94 CR
What the hell? Was this a mistake? Or was this like a comp for being treated like a moron on the phone?
07/18/2005 07/18/2005 7639 MC C EXPRESS PAYMENT CHE - K FEE $15.00
07/18/2005 07/18/2005 1277 MC EXPRESS PAYMENT - THAN - YOU $400.00 CR
07/19/2005 07/19/2005 9749 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
07/19/2005 07/19/2005 9750 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
07-22-2005, 12:43 PM
#4
Burning Brakes
Join Date: Jul 2005
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I've never paid one late fee in my life to a credit card company. I give them enough business where they always credit back my late fee if I get one. I usually never pay late and it happens maybe once ever few years but I still ask for it back and they give it back with no question.
07-22-2005, 02:49 PM
#7
My Work is Done Here
Join Date: Jun 2004
Location: Still too far from the beach
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Originally Posted by r0dxx
I logged in today....
Current Balance: $40.94 CR
What the hell? Was this a mistake? Or was this like a comp for being treated like a moron on the phone?
07/18/2005 07/18/2005 7639 MC C EXPRESS PAYMENT CHE - K FEE $15.00
07/18/2005 07/18/2005 1277 MC EXPRESS PAYMENT - THAN - YOU $400.00 CR
07/19/2005 07/19/2005 9749 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
07/19/2005 07/19/2005 9750 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
Current Balance: $40.94 CR
What the hell? Was this a mistake? Or was this like a comp for being treated like a moron on the phone?
07/18/2005 07/18/2005 7639 MC C EXPRESS PAYMENT CHE - K FEE $15.00
07/18/2005 07/18/2005 1277 MC EXPRESS PAYMENT - THAN - YOU $400.00 CR
07/19/2005 07/19/2005 9749 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
07/19/2005 07/19/2005 9750 MC EXPRESS PAYMENT CHE - K FEE $15.00 CR
they heard you, and now they're not letting you go 
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07-22-2005, 05:54 PM
#9
Suzuka Master
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Originally Posted by GTKrockeTT
if you paid your bill on time you wouldn't have faced this issue to begin with. 
And I paid it online days before there thing takes forever to process, bank of america i can pay online the same day
07-22-2005, 07:14 PM
#10
Missing my Acura's
I have had mbna for almost 6 months no problem and I like there online payment system it rivals some of the other asshole companies I have dealt with.
07-26-2005, 10:51 AM
#11
Suzuka Master
Join Date: Aug 2003
Location: MD
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Don't hide the card in the drawer and not use it anymore. If you don't wanna use it, cancel the acct and cut it up. No sense having accounts open that you don't use, just another target for identity thieves.
07-27-2005, 03:48 PM
#12
Banned
MBNA is run by morons - we HAD a money market with them and cancelled it because they could NEVER get our address right and kept my wife's parents on our account after repeatedly telling them to remove them.
07-27-2005, 03:55 PM
#13
Where is my super sauce?
I've had two MBNA (one personal, one business) cards for about 10 years now. The service has always been fine. I've never had a negative issue with them.
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