Latefee Avoidance

Complain about an Excessive Fee

Complaint against Top 3

Response to Complaint

Mail Your Top 3 Complaint

Full Text Search of Complaints

Analysis Label for Credit-Card Envelope

A Brief History of Credit Cards in the U.S

The Economics of Late Fees and Other Excessive Charges

$ Trillion Gift of the Public's Money by the Nation's Politicians to the World's Financial Corporations

The U.S. Bank/Credit Card Oligopoly - 3 Co's with 65% Market Share

Things You Can Do to Avoid Paying Late Fees and Other Penalties

Legal Issues and Various Possible Causes of Action

Website for 3 Books Written by Attorney Carl E. Person: A Law Career; Self-Employment; and Saving Main Street and Its Retailers

Text of Relevant Statutes

Websites and Website Pages of Interest

Names and Mail or Email Addresses to Send Copy of Your Complaint against Top 3 Companies

The top 3 credit card companies (BOA/MBNA, Citigroup and Chase/Bank One) deserve special attention. When you have a complaint against one of these 3 credit-card companies, we invite you to send a copy of your complaint to the C.E.O., Credit-Card Divisional President and Corporate Public Relations Dept., with the hope that someone will try to deal with your complaint, and encourage the company to have a more consumer-friendly policy as to these outrageous fees being imposed on hapless consumers.

Here are the names and addresses for you to pick up in your complaint letter:

Complaint against Bank of America / MBNA America Credit Card

Names and address of officials of the top 3 credit card companies:

Kenneth D. Lewis, C.E.O. Bank of America Corporation Bank of America Corporate Center Charlotte NC 28255

Bruce L. Hammonds, head Bank of America Card Division Former MBNA America Headquarters Wilmington DE 19884

Betty Riess, Public Relations Credit Cards/Credit Card Policy Bank of America Telephone No. 1.415.622.6397 Email Address: betty.riess@bankofamerica.com

Complaint against Citigroup Credit Card

Sanford I. Weill, Chairman and C.E.O. Citigroup, Inc. Citigroup Center 153 E. 53rd St. New York NY 10043

Chuck Prince, C.E.O. Citigroup, Inc. Citigroup Center 153 E. 53rd St. New York NY 10043

Mark Rodgers, Director of Public Relations Citigroup New York Citigroup Center 153 E. 53rd St. New York NY 10043

Mark Rogers Director of Public Affairs Citigroup mark.rogers@citigroup.com mark.rogers@citicorp.com 1-718-248-1092

Investor Relations Citigroup, Inc. Citigroup Center 153 E. 53rd St. New York, NY 10043

Phone: (212) 559-1000 Fax: (212) 816-8913 Email: investorrelations@citi.com

Complaint against Chase/Bank One

William B. Harrison, Jr. CEO JP Morgan Chase World Headquarters 270 Park Avenue New York NY 10017

President, Chase Credit Card Division JP Morgan Chase World Headquarters 270 Park Avenue New York NY 10017

Public Relations Department Chase Credit Card Division JP Morgan Chase World Headquarters 270 Park Avenue New York NY 10017