- Report: #77075
Report - Rebuttal - Arbitrate
Complaint Review: FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.
FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.Circuit City=2040 Thalbro Street Richmond, Virginia U.S.A.
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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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!
San Diego, California
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.
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