ComplaintsforFirst Access Card

• Initial Complaint

  08/12/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  After speaking to this company several times, they won’t stop the charges. I have paid this card for the last year for nothing but fees and bogus charges. No transactions of my own just all fees.

  Business response

  08/22/2024

  We have completed our investigation, and our response is explained in the letter attached.

  Business response

  08/26/2024

  First Access requested that you contact us to close the account.  No calls were received.  We have requested the account closed per this request and requested the fees that billed to the account according to the terms, credited.  Please allow 1-2 weeks for the account to reflect the fee credits.

  Customer response

  08/29/2024

  I have contacted this company several times about closing this account, even if it hurts the credit report. They informed me they do not close accounts. 

• Initial Complaint

  07/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Closed my account when still it was actively being used

  Business response

  07/16/2024

  Please see the attached letter.

• Initial Complaint

  07/06/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am writing to file a complaint against First Access Credit Card Company for mishandling my account and erroneous billing practices. Timeline of Account Activities and Payments: March Billing Statement: Close Date: March 27, 2024 Balance Due: $341.75 by April 21, 2024 Payment: Paid in full on April 16, 2024 Late Charges: None April Billing Statement: Close Date: April 26, 2024 Balance Due: $157.40 by May 21, 2024 Payments: $124.40 on May 16, 2024 $59.66 on May 23, 2024 Total Payments: $184.06 Late Charges: None June Billing Statement: Close Date: June 26, 2024 Balance Due: $87.82 by July 21, 2024 Notice: Received a notice of late charges on June 26, 2024 Customer Service Contact: Requested removal of late charge due to payments made in May Adjustment: Late fee adjustment of $41.00 reflected Review and Analysis of Discrepancies: March Statement: Balance paid in full, no late charges. April Statement: Overpaid by $26.66, no late charges should apply. June Statement: Should reflect the correct balance with no late charges. The adjustment of $41.00 indicates an error acknowledged but not resolved. Conclusion: Based on the information provided: I have consistently paid my bills on time. The April statement was overpaid, indicating no basis for late charges. The June statement includes a notice of late charges which should have been removed due to previous payments. The adjustment of $41.00 indicates an error was acknowledged but not corrected. Request for Action: I request your office to investigate this matter and ensure that First Access Credit Card Company: Corrects the errors on my account. Unlocks my account immediately. Credits my July 2024 bill payment as paid in full. Their mishandling of my account and billing inaccuracies have caused significant inconvenience and stress. Thank you for your attention to this matter. I look forward to your prompt response and resolution.

  Business response

  07/16/2024

  We have completed our investigation, and our response is explained in the letter attached.

  
  Dear ******* ********
  This letter is in response to the complaint regarding a First Access Visa credit card account.
  
  Our investigation located the First Access Visa credit card account in your name, opened May 2023.
  
  A review of the monthly billing statements provided in March of 2024, April of 2024.
  
  The monthly billing statement for May 2024 reflects a balance of $48.00. This is the annual fee and due
  by June 21, 2024. No payment was received between the date of the monthly billing statement, May 27,
  2024, and due date of June 21, 2024, and a late fee of $41.00 was assessed.
  
  A review of the account reflects that you did request the late fee credited to the account and the request
  was approved. A review of the account reflects the late fee was valid and the credit should not have been
  given unless a payment to bring the account current was arranged.
  
  At this time, the account reflects past due in payment and cannot be used for purchases.
  
  If you have any further questions, please contact First Access Customer Service at ###-###-####.
  
  Sincerely,
  
  
  First Access

• Initial Complaint

  05/17/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  To whom this may concern, I am filling this complaints because my payment was do on the 16th of May, I found out today there is a cut off time to pay your bill 5 pm . My payment was made on the due date there is a over the limited amount charge to my account this should be removed, is this a hidden charge customers like did not see this coming fix this please. Thanks

  Business response

  05/30/2024

  Please refer to the attached letter for response.

  Customer response

  06/03/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** *******

• Initial Complaint

  05/06/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I do not have a contract with this creditor. This is not my account. Please remove all false information off of my credit report.

  Business response

  05/16/2024

  Please refer to the attached letter for response.

• Initial Complaint

  04/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This is report number 2 on this company. I made a fraud report for a charge of $99.99 from ********* that occurred on January 2, 2024. As requested by the representative, I was asked to verify that this charge was not made by a friend or family member. This charge was not. I followed up with Apple, and no charge had been posted to my account that I could file a report against. This charge was fraudulent. I filled out the requested paperwork for the Bank of Missouri and let them do the investigation. The investigation was found valid due to previous charges of $0.99 and $4.35 from Apple that I made that were not disputed. There is a big price difference. So because I made an extremely small purchase from Apple before, my fraud claim is not valid. The Bank of Missouri is telling you that as long as you have previous transactions with the same company, fraudulent charges will not be investigated. I followed the right directions for filing a fraud investigation. The charge is fraudulent and I want my money that was stolen back.

  Business response

  05/02/2024

  Please refer to the attached letter for response.

  Customer response

  05/02/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  04/18/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I originally filed a complaint with the BBB on First Access/Total Visa/TBOM on 10/6/22 with the complaint number #********. I paid off this account balance of $18.75 and requested an account closure (please see BBB Complaint Management pdf). However, that night, a .20 cent interest charge accrued and kept accruing despite an account closure. First Access responded to my complaint by crediting and closing this account as per correspondence dated 10/19/22 (see attachment First Access). However, a recent review of my credit reports on 4/18/24 indicate that First Access has continued to report on a closed account, willfully and intentionally reporting this account as 30 days late on my ********, ******* and TransUnion credit reports for December 2022 and January 2023. My ******** report shows a $41 past due balance on November, with January 2023 reflecting more than double that amount, at $95 past due on a closed account. This company is continuing to report erroneous information on all three credit bureaus (********, ******* and **********), consequently tarnishing my credit rating. My concerns about this company is the blatant and utter disregard for consumer's accurate credit reporting, inflation of fees, untrustworthiness and backdating accounts to collect additional fees. I am requesting a removal of derogatory late entries on my credit report immediately. I wish to resolve this through the BBB before escalating this complaint to the FTC, my state's attorney general's office and filing suit with the Federal Court for egregious behavior by a financial institution.

  Business response

  04/26/2024

  Please refer to the attached letter for response.

  Dear ***** ******:
  
  This letter is in response to the complaint regarding a First Access Visa credit card account.
  
  Our investigation located a First Access Visa credit card account in your name, opened March 2020. The
  account was used for purchases and payments were received in your name.
  
  Account records confirm the previous complaint received in October 2022 and our resolution to credit the
  remaining balance on the account. Our investigation found that the credits were not processed until
  December 20, 2022, reflected on the January 2023 monthly billing statement. The account did report
  past due in November 2022 and December 2022 due to the delay in processing the credits.
  
  While the credit reporting is accurate, the account qualifies for an adjustment to the credit report. A manual
  update has been submitted to all three credit bureaus to request the late mark be removed from the account.
  
  If you have any further questions, please contact First Access Customer Service at ***************
  
  Sincerely,
  
  
  First Access

• Initial Complaint

  04/02/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I have sent 2 emails and one letter in the mail to this company asking them to CEASE AND DESIST communications with me through the phone and to only communicate with me in writing via the ****. They are calling me daily and this needs to stop immediately. It is my right to request that they remove my phone number from their call lists. I am unable to communicate via the phone and daily phone calls constitutes harassment if my request is not adhered to. I will happily respond to any questions via the mail.

  Business response

  04/12/2024

  Please refer to the attached letter for response.

  e: Better Business Bureau Complaint ID# ********
  
  
  Dear **** ******:
  
  This letter is in response to the complaint regarding a First Access Visa credit card account.
  
  Our investigation located a First Access Visa credit card account in your name, opened October 2023.
  
  We located the emails requesting phone calls to be stopped to your home phone. The phone number was
  removed April 2, 2024.
  
  If you have any further questions, please contact First Access Customer Service at ***************
  
  Sincerely,
  
  
  First Access

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I sent a DEBT VALIDATION LETTER TO FIRST ACCESS ON 10/25/2023, unfortunately I lost the tracking receipt. They never responded to the letter, which lead me to file a complaint with the ****. By law all creditors must properly validate and verify all debts reported to the credit reporting agency and also to collect on the debt. The company responded to the complaint with a letter stating that they didn't receive the debt validation letter and proceeded to validate the debt via **** and sent over credit statements as a form of validation. By law, credit card statements does not verify that the debt belongs to me. I requested signed contracts and promissory notes from this company! By LAW I have the right to request these items. They refused to provide the proper documents to validate this account. However, they are still reporting to all three bureaus unverified information.

  Business response

  12/11/2023

  Please refer to attached letter for response

  Customer response

  12/11/2023

  
  Complaint: ********
  
  I am rejecting this response because: This is not appropriate validation 
  
  Sincerely,
  
  ****** *****

• Initial Complaint

  11/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I open a credit card with first access card.com, but before I receive the card there was already charges on my card that I did not make . On top of that they charge you all types of fees and deduct another fee before you even use your card making your credit limit even less

  Business response

  12/08/2023

  Please refer to attached letter for response.

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩