• Report: #67498

Complaint Review: First Consumer's National Bank FCNB

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  • Submitted: Wed, September 24, 2003
  • Updated: Thu, September 25, 2003

  • Reported By:Red Bluff California
First Consumer's National Bank FCNB
PO BOX 9204 Old Bethpage, New York U.S.A.

FCNB - Spiegel First Consumer's National Bank ripoff and deception about payments overlimit fees and dispute actions Old Bethpage New York

*Consumer Suggestion: I may have a possible reason for your account number change.

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At first, I thought the spiegel card from FCNB was a great way to establish a wardrobe--something I have never had to the fullest until I received the spiege/FCNB card.
All was okay until I lost my job for only two months. Fcnb then took this opportunity to make sure it kept me over the limit, paying very high fees, and charging me the maximum in a minimum payment. This abuse all occured after I told them I had lost my job and I needed to then use my credit card insurance.

When I filled-out the application to use my credit card insurance, FCNB dishonored it and did not let me activate it. FCNB then continued to charge me overlimit fees and late fees without even a five day grace period.

FCNB's abuses turned even darker when their reps began even lying to me and stating that I hadn't made 100.00, 200.00 etc payments at all and did not post some of them. These reps then proceeded to try to get me to make double payments of these large payments. This was when I decided to go for help.

After I received some lite intervention, FCNB stopped the lying through its misguided reps,. Everything went okay for awhile until I noticed that FCNB changed my account number without notice, explanation, or any reason. I just saw a different account number. I have since put this statement, when I noticed the different account number, into dispute.

I haven't heard anything back from FCNB and its been almost a month. I just realized today that this was a mistake I made, because with how dishonest FCNB is, I will probably have my rights to suspend my payment in the month I made this dispute violated, and then the late payment fees will start accruing again.

I wonder if this change of account number without an explanation(FCNB hoping I would delay payment while in dispute, therefore, making another late payment if rights violated to have it suspended while in dispute) was a ploy to get me back late on my payments so FCNB could then proceed to charge back up my credit limit with fees?

But, I really do not want to make payments on a new account number, in which I don't know if it is really mine or not. FCNB has caused me so much emotional and financial damage that I have had to seek counseling from PH.d's on the matter. I have never had reps at a bank overtly lie and tell me I did not make any payments at all , and actually not post them either, when I had made payments in excess of 100.00, which was even over the minimum payment amount.

Diana
Red Bluff, California
U.S.A.

This report was posted on Ripoff Report on 09/24/2003 01:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Consumers-National-Bank-FCNB/Old-Bethpage-New-York-11804/FCNB-Spiegel-First-Consumers-National-Bank-ripoff-and-deception-about-payments-overlimi-67498. 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 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Suggestion

I may have a possible reason for your account number change.

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

My company utilizes 12 digit account numbers for our customers of which the first three digits designate the office out of which the account is handled. We recently consolidated many of our offices and had to change the first three digits of many customer's accounts. It did not change the account in any way and we were able to cross reference the new account by the old account number. You will MOST LIKELY be able to make payments to the old account number and have them applied correctly in this situation while the issue is being resolved.

as for the rest of the situation, hopefully you can work it out. I've never held an account with this company, but with a few others listed on the site and I have never had a problem with any of them. I knew what all my charges were for and if I did have any questions, I called and asked politely and the representatives responded in kind.
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