First USA Credit Card Complaint

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Post subject: llegal credit card finance charges

Gail Bodnar
Date: 2/14/2001 11:32 am CDT

I just want everyone to know the truth about First USA, Bank One. They are singularly the most, vicious and dishonest of all. The web's best, NOT. If you use them,BEWARE. If they make a mistake on your balance. They will not fix. They already have a lawsuit against them for illegal finance charges in the southern district of Illinois filed by Richard Mangone on behalf of himself and others. I myself am seeking legal counsel and federal help for a balance transfer that was sent to GE select which they bought then left on card I transfered from in a very, large amount. I am a cancer patient and have tried to get this matter resolved for 18 months. In the mean time they have called me repeatedly (dunning) despite letters and requests for straigthening this matter out. They are nasty, sneaky and abusive. They have even gone so far as to call my mother whom I don't live with is elderly and undergoing chemo treatment for advanced bone cancer. When I have called or written repeatedly pleading to leave her alone. They continue. They have recently called threatening to tell my husband to which I have none, my neighbors and my employment. The bank of comptorllers sides with the bank despite written documentation to contrary. I had been on medical disability recovering from surgery and radiation treatment and only started back to work. Now I need a better job and they are making that impossible. How can I pay what I do owe with out a good job. If you can offer any help. I would appreciate it. Thank you, G R Bodnar

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Linda in VA
Date: 2/14/2001 11:21 pm CDT

Gail,
What a horrible thing to have to go through! I take care of my Mom who is also a cancer patient - I know you are already going through *****, without something like this to deal with.

If I understand you correctly, you transferred a balance, but now it is on two cards - is that right? If you have the documentation, I would think someone would listen to you. Does your state have a banking reulatory authority or a consumer affairs bureau? Perhaps they could be of assistance. Otherwise, take your documentation to a good lawyer and see if he'she would take your case on a contingency basis. With the situation you described, I would think they could sue for damages and pain and suffering.

Let us know how it's going. Maybe someone else on here has better suggestions.

Sincerely,
Linda

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Darrell
Date: 2/15/2001 5:02 pm CDT

I am sorry to hear of your cancer battle and that of your mother. I once had a dispute with First USA. After being dissed by CSRs and others, I went straight to the top. They moved quickly to help me.

I wrote a certified letter to:

Office of The President
First USA Bank, N.A.
201 North Walnut Street
Wilmington, DE 19801

Very soon after receipt of this letter, First USA straightened out a mess they created.

State your case clearly, factually and concisely. Send documentary evidence if you have it. They will react if they smell a lawsuit or bad publicity.

Good luck.

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Gail Bodnar
Date: 2/17/2001 12:47 am CDT

Dear Darrell,
Thank you so much for your concern and response. I already had done as you suggested. First USA did nothing but cause further harassment. I have already contacted a lawyer. I have had enough. This bank needs to be investigated for illegal business practices. I found another web page under bad guys that this company has 12 mailing addresses. If they are legit then why is this so? I want to get messages and responses on the web so IRS can be called upon for an audit. This bank must be held accountable. Not just for me but for others. No bank should feel above the law. The fact that banks are allowed to use are money at low interest rates that charge sky high interest rates to the point of families losing there homes is an atrocity to are constitution and its about time people stopped being so apathetic to this. Because yes it can happen to you. Unemployment, serious illness, medical bills that can wipe you out and no help but loans what so ever. Banks use this and don't care and they do it with peoples savings. Why is this allowed. They must be regulations established in this country for a balance. All banks should be held accountable for their actions. And it is up to the people to not let it slide. We the people started this country and we still have the power to fight for what is right legally. If we all would do it together.
I'm going to do my part in a court of law. I found other lawsuits against them as well. They picked on the wrong person. I feel stronger now and I am not going to let this slide. I have got nothing to lose and my dignity back to gain. I would rather go down fighting.
Thank you,
Gail

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Gail B
Date: 2/17/2001 12:59 am CDT

Dear Laura,
Thank you so for your kindness and concern. I have done as you suggested. Sent documentation to bank of comprollers. They are supposed to monitor the banks. They agree with first usa. The didn't understand and I had to send a rebutal. In the mean time I finally have found legal counsel. I will go down fighting. See letter to Darrel I posted. Some else who cares. I guess I just want people to know what an unscrupulous business operation First USA is and to get enough people aware to protect them and get the government involved. They are one of the biggest Visas now and seem to feel that they can do anything. Its up to individuals to stand up and so NO. You must obey the law and function accordingly. *****, I survived cancer. I sure as ***** won't bow down to them. The bigger they are, the harder they fall. Even supposedly legal loan sharks.
God Bless,
Gail B

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