• Report: #138823

Complaint Review: FIRST CONSUMERS NATIONAL BANK

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  • Submitted: Thu, April 14, 2005
  • Updated: Thu, May 25, 2006

  • Reported By:bellows falls Vermont
FIRST CONSUMERS NATIONAL BANK
Denver, Colorado U.S.A.

FIRST CONSUMERS NATIONAL BANK RIPOFF TRYING TO COLLECT ON A PAID SETTLEMENT ACCOUNT Denver Colorado

*UPDATE EX-employee responds: THIS company went OUT OF BUSINESS

*Consumer Suggestion: Additional Information ..These guys also try to re-season an old debt in hopes you will pay.

*Author of original report: THANX FOR SUGGESTIONS

*Consumer Suggestion: UNFORTUNATELY, YOUR SITUATION IS TEXTBOOK EXAMPLE OF WHY YOU SHOULD NEVER DEAL WITH A COLLECTION AGENCY

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PHONE NUMBER TO A LIVE PERSON!!!!! 866-503-0872 or 866-210-9497

In August 2003 I settled a charge off account from a bad divorce.(another story entirely!) I was told it was now paid in full and would receive a letter stating so. I never received the letter (surprise) and the phone number I had was no longer in service (surprise). So, no news is good news, right? WRONG. Yesterday, 7 months later, I receive a letter of collection. The collection agency for FCNB went under and sold their "collection accounts" to another agency. Of course there is no phone number to contact FCNB or the previous agency. I was able to backtrack my account with the number above! and PROVE it was a paid in full settled account.

Good luck to all dealing with this company. I hope the phone numbers above help someone else.

Diane
Rockingham, Vermont
U.S.A.

This report was posted on Ripoff Report on 04/14/2005 12:11 PM and is a permanent record located here: http://www.ripoffreport.com/r/FIRST-CONSUMERS-NATIONAL-BANK/Denver-Colorado/FIRST-CONSUMERS-NATIONAL-BANK-RIPOFF-TRYING-TO-COLLECT-ON-A-PAID-SETTLEMENT-ACCOUNT-Denver-138823. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 4Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

THIS company went OUT OF BUSINESS

AUTHOR: Mathew - (U.S.A.)

I worked for FCNB for about 2 1/2 years. I left in 2002 but kept in contact with my supervisor. About six months to a year after I left the company I called her and she told me that she didnt work there anymore and that they had gone out of business. I have also ran into other former employees who have told me the same thing. Anyway I do not believe that FCNB was purposely tricking people into credit cards nor do I believe that they tried to scam anybody. FCNB was purchased by Speigel (which owns Eddie Bauer, Crate & Barrel, Newport News, and a couple more)just before I began working for them; and isn't speigel still around? Well my comments are just to help fill eveyone in on why there is no FCNB anymore.

Mat
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#2 Consumer Suggestion

Additional Information ..These guys also try to re-season an old debt in hopes you will pay.

AUTHOR: Kerry - (U.S.A.)

I closed an account with them in 1991. they never appeared on my creit report for 14 years and the bam- May 05 the reappear on my credit report.

I contacted the new card holder and the gave the following address to dispute their claims.

Card Processing Center
P.O. Box 9204
Old Beth Page, N.Y.
11804
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#3 Author of original report

THANX FOR SUGGESTIONS

AUTHOR: Diane - (U.S.A.)

Thank you for your suggestions..I have already started drafting the letter I will send to the collection agency. I have the proof in my bank statements that show the payments as well as the settlement letter the people at Cardholder Processing Center faxed to me this afternoon ( I am somewhat impressed, they said they would fax it but I didnt expect it to actually happen!)

What you said was true... I have definately learned my lesson, but at the time, I didn't know I had options and did what I thought was right.

Thanks again,
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#4 Consumer Suggestion

UNFORTUNATELY, YOUR SITUATION IS TEXTBOOK EXAMPLE OF WHY YOU SHOULD NEVER DEAL WITH A COLLECTION AGENCY

AUTHOR: Sherri - (U.S.A.)

They got your money. It didn't clear your credit. Now they've sold your information to another agency. And this agency will sell it to another and another.

Send these people a letter (Certified or USPS Priority mail with signature confirmation..even fax it if you have a number available), also cc your state AG's office, stating that this debt was settled and they are not to contact you further.

Also enclose, if available, your proof of payment (though I do advise you to blank out your routing number/account number if you paid by check...vultures have no ethics and may try to "self-help" themselves to your bank account.

Also advise them that any attempt to report this "debt" as anything other than disputed or any attempts to re-age this on your credit report will result in legal action.

Likely what happened is that the bottomfeeders bought your information from TransUnion and have no assocation with anyone other than themselves. They saw that you paid another agency and are hoping that you will do the same for them.
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