I'm so excited, it's my first success! I sent a goodwill letter to the MBNA CEO in January, and received a call back from a rep a few weeks later. She said that she would have it taken care of and voila, I checked PG and indeed, the 30-day from April 2003 had gone "poof"! Thank you so much to everyone here, I would not have been able to accomplish this without all your helpful posts!
Now if I could get MBNA to BACK DOWN on a CLI... They "CAN" do a "HARD" but they DON'T HAVE TO!!! 11+ YEARS MEANS NOTHING...8+ YEARS WITH-OUT A CLI MEANS NOTHING TO THEM...THEY DON'T CARE... THEY ARE "HARD" NOSED!!!
what address did you mail to? i'd like to give it a crack. i haven't had any prior success with gw and mbna.
well, maybe now is the time to strike while the brands are still in their hides from losing the Johnson v. MBNA case, and having it affirmed last week on appeals, to the tune of $90,300.00 They probably think that they need all the goodwill towards their customers they can get to keep from having more lawsuits of that magnitude...
I mailed my letter to the following address: Charles Cawley, CEO MBNA America 1100 N. King St. Wilmington, DE 19884 I sent the letter soon after I had paid them $600. I think they also liked that I talked about a good experience I had had with one of their CSRs; I think that made them feel warm and fuzzy.
Congrats on your success sharbar. I've had a horrible 1 1/2 years dealing with MBNA. You don't want to get on their bad side. Would you mind posting a copy of your letter? I'm thinking about sending them one myself. Thanks--debtchoked
Your lucky, and Congratulations! Getting on MBNA's bad side is not a good thing and goodwill gestures are NOT common.
Here is a copy of the letter I sent, I hope it can help someone else! January 6, 2004 Charles Cawley, CEO MBNA America 1100 N. King St. Wilmington, DE 19884 RE: XXXX Dear Mr Cawley: I have been an MBNA customer since 1998, and during that time I have had nothing but pleasant encounters with MBNA. Your representatives have always been considerate to me, and because of this exceptional treatment I always recommend MBNA to my friends and family members. In particular, my experience with an MBNA representative in April of 2003 exemplifies your first-rate customer service. I had moved across the country and was unable to find a job right away, and unfortunately I fell behind on my payments. I explained my situation to your representative after I finally found employment, and she worked with me to set up a payment plan to get my account current. It was a very difficult time for me, and your representative treated me with nothing but kindness and courtesy. For that I was, and still am, very thankful; it made a very stressful time a bit easier. Since that time, I have made my payments on time, and I am making a concerted effort to lower my balance; in the past monthâ??s time, I have paid over $750 (20%) towards my balance. It is important to me to prove my creditworthiness after the bumps in the past, and I have been working diligently to meet that goal with MBNA. After recently receiving a copy of my credit report, I saw that I have a 30-day late payment notation for April 2003. As your company has been nothing but gracious to me, I am writing to ask for an act of generosity from MBNA: would you be so kind as to remove this negative entry from your reporting to the three credit agencies? I do not feel that this notation is a reflection of my current standing with MBNA, and I hope that you will consider my request. Again, let me thank you for the excellent treatment I have received from MBNA over the years; I am certain that it will continue into the future. Thank you as well for taking the time to read this letter. Please feel free to contact me via mail or e-mail. Sincerely,
