MBNA America Complaint

Credit Card Caution

Last week, I received my MBNA credit card statement, and saw that my monthly minimum had gone up by $70.00. I called customer serive, and they told me that my interest rate had gone up, with no written notification. I asked if they could work with me, since I had been a loyal customer for 6 years, with no missed or late payments...EVER. They transferred me over to their Lending Dept., where I explained my situation outlined in the letter I am attaching for your review. The lender put me on hold for about 3 minutes, and when he came back, he stated that he was closing my account. I was shocked, since I was nowhere near my credit limit, and I had an excellent payment history.
He told me that it was up to their discretion to do so, and when I questioned it, he was rude and insulting.

When I researcehd MBNA for an email or web address, there were none. But what I did find were a number of websites that published similar stories about other MBNA card holders...all of it negative. Here is my story, and thank you in advance for this opportunity.


Mr. Scott Beech
MBNA America
PO Box 15646
Wilmington, DE 19850-5646


Dear Mr. Beech,

I received your letter today regarding your decision on my account. That decision is very upsetting to me, but what’s worse is your total lack of consideration and your attitude on the phone the other day, (if it was you. If not, you have rude lenders who talk to your “loyal customers”.)

I don’t want my account reinstated, but I do want your time for a few minutes. I am a college grad, and I was gainfully employed for 25 years. On May 30, 2005, I was a passenger in a car, which was hit by a drunk driver. I and my other 2 friends were sober, (a conscious decision we made as members of MADD), and the drunk driver was 3 times the legal limit, driving the wrong way on the interstate, resulting in a head on collision.

Her actions resulted in my friend’s, (the driver), immediate death. My injuries were life threatening when they cut me out of the car, (which caught fire), and I was rushed to the hospital. Following 4 surgeries, (with 3 more to come throughout 2005 and into 2006), I spent 2 weeks in intensive care. I then spent another 5 months in a hospital bed in my home, with round the clock care, and in a wheelchair, having to be fed, and using a bed pan. I lost my job and my group benefits. My non-group Blue Cross policy, which I established after I lost my job), went up from $189.00 p/month to $304.00 p/month, following my accident. And none of those charges went on my MBNA credit card. So where do you get off judging me and making assumptions about how I use my credit card????

Now, I am permanently disabled, (no more dancing for me, or going to the gym, or working in my garden like I’ve always done). I am currently working with an attorney to obtain disability benefits, which I paid into for 25 years, as a healthy, tax paying American. (It takes anywhere from 12 – 18 months to get approved. Yet another corporate cluster of nonsense!) Since the drunk driver had no car insurance, I was left with co-pays and deductibles in the thousands of dollars, none of which went on your credit card either). My husband couldn’t handle the situation, and he moved to Florida. (nice, huh? Men!) But I am so lucky to have had friends and family to help me out.

Why am I telling you all this? It’s because you, (or the unidentified lender that I spoke with), talked down to me like I was pond scum. He lectured me about “living on credit”, as if I were a child. I wish to remind you that through this whole, horrible ordeal, my injuries, despair and depression, I never once missed a payment, nor was I ever late with one. For 6 years, I was a good customer, with a great credit rating. You have ruined that for me now, and I wanted you to know that.

Mr. Beech, I hope that nothing like this ever happens to you or your family by the grace of God, and that you are never treated with the rudeness and disrespect with which I was treated by the lender, (or was it you?), at MBNA.

When you die and go to heaven, I don’t think that God is going to rate you as a human being based upon how many people you screwed with your decisions, or how high up you got on the corporate ladder, or how much money you made for your company and yourself.


May God Bless You, and give you a little compassion and help with your people skills.
Thanks for your time, and always remember that you can’t possibly understand a person’s situation until you have walked in their shoes.

Your once “loyal customer” (your words, not mine!)




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