• Report: #77075

Complaint Review: FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.

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  • Submitted: Wed, January 14, 2004
  • Updated: Fri, March 19, 2004

  • Reported By:San Diego California
FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.
Circuit City=2040 Thalbro Street Richmond, Virginia U.S.A.
  • Phone: 800-843-2489
  • Web:
  • Category: Banks

FNANB, A Wholly Owned Subsidary Of Circuit City Stores, Inc. ripoff fraudulent credit practices considers statements a "courtesy" unjustified negative credit reporting Richmond Virginia

*Consumer Comment: FNANB CIRCUITCITY BEWARE STEAL YOUR MONEY!AND RUIN YOUR CREDIT RATING

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FNANB, the bank owned by Circuit City which issues credit cards for Circuit City never sent a physical credit card over 5 months after account opened. Cost of a computer and accessories purchased at Circuit City was only balance on account. Statements sent for September and October, but not November and December. I subsequently did not notice the missing statements and did not make minimum payments for November and Decemeber. Received call from FNANB on Jan. 13--first call they made regarding overdue payment.

They informed me that I had been assessed two late charges of $29.00 apiece, my promotional interest rate was converted to a retroactive 26% APR and worst of all, I had already been negatively reported to the credit reporting agencies. When questioned about the missing statements, a manager in the customer service department told me that statements are a "courtesy" and that they did not have to provide proof that they actually sent any.

She told me that it was my responsibility to pay regardless of whether or not a statement was sent to me. She also would not change the negative reporting on my credit history despite the fact that I made full payment due on the same day they called me to alert me to the overdue payments.

The fact that, in a time of instant and easy communications such as email, FNANB did not contact me until after the two month period when their penalties take effect implies that FNANB actually hoped I would miss the payments so that they could financially benefit from a person such as myself who has an excellent credit history. Consumers beware!

Gregory
San Diego, California
U.S.A.

This report was posted on Ripoff Report on 01/14/2004 05:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/FNANB-A-Wholly-Owned-Subsidary-Of-Circuit-City-Stores-Inc/Richmond-Virginia-23230/FNANB-A-Wholly-Owned-Subsidary-Of-Circuit-City-Stores-Inc-ripoff-fraudulent-credit-prac-77075. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

FNANB CIRCUITCITY BEWARE STEAL YOUR MONEY!AND RUIN YOUR CREDIT RATING

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

WATCH OUT FOR FNANB/CIRCUIT CITY/ THEY WILL AGREE TO DO A DEBT CONSOLIDATION ON YOUR ACCOUNT BUT THEN TURN YOU OVER TO A COLLECTION AGENCY, SUCH AS THEY DID WITH ME, TO A GUY NAMED MIKE STEVENS AT Central Credit Services, Inc 1-800-387-7202. I WAS MAKING PAYMENTS TO A DEBT CONSOLIDATION COMPANY AND CIRCUIT CITY AGREED TO ACCEPT MY MONTHLY PAYMENTS BUT THEN TURNED MY ACCOUNT OVER TO CENTRAL CREDIT SERVICES INC. 1-800-387-7202 OR 636-477-1400. WATCH OUT, THIS COLLECTION AGENCY WILL HARASS YOU AND THREATEN YOU AND SAY THAT THEY ARE GOING TO SUE YOU, THEY DON'T WANT TO LISTEN TO WHAT'S REALLY HAPPENED AND THEY DON'T WANT PAYMENTS, THEY WANT THE ENTIRE BALANCE AT ONCE. WATCH OUT!!!!BEWARE!!!!GET AN ATTORNEY!!CHANGE YOUR HOME PHONE NUMBERS WITH ALL YOUR CREDIT CARDS AND DON'T GIVE OUT YOUR REAL PHONE NUMBER ON THE INTERNET TO ANYONE OR ANY SWEEPSTAKES, THIS COLLECTION AGENCY WILL GET YOUR PHONE NUMBER AND KEEP HASSLING YOU.
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