• Report: #136814

Complaint Review: First Consumers National Bank, FCNB

  • Submitted: Tue, March 29, 2005
  • Updated: Sun, October 09, 2005

  • Reported By:Newton Massachusetts
First Consumers National Bank, FCNB
Nationwide U.S.A.

FCNB Ripoff Took Me From A 724 Credit Score To A 515 ripoff Nationwide

*Consumer Suggestion: problem helper

*Consumer Comment: Undeserved late fees?

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If anyone knows how to get in touch with FCNB please let me know. This company sent me a card while I was in college with a credit score of 724, charged me underserved late fees, over the limit fee's then when I tried to cancel the card I found FCNB was no longer in charge and it was sent out as a closed account it to a collection agency. After trying to contact this unethical company without any luck I was forced to pay PENNCRO who stated that if I paid a certain dollar amount I was in the clear. That wasn't the case, since it is showing up twice on my credit report, once as an open case and the other as a "credit sell off/settlement" Which isn't a good thing. I found this website trying to figure out what to do and it appears there are quite a few of us out there with the same problem. How do we fix this?

John
Fed up in, Massachusetts
U.S.A.

This report was posted on Ripoff Report on 03/29/2005 05:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Consumers-National-Bank-FCNB/nationwide/FCNB-Ripoff-Took-Me-From-A-724-Credit-Score-To-A-515-ripoff-Nationwide-136814. 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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#1 Consumer Suggestion

problem helper

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

you do not have to wait all that time for it to come of.take the collection company and the credit reporting to small claim court fee is about $40 file court papers and about $40 sherf fee to service them i did it and won a $500 judment against FCNB and made the credit reporting company stop reporting it on my credit report, another problem i had with a collection company they refuse to remove something of my credit report i sue them .won $800 dollars.yuo can wait if you want to if it was me i sue ther butts
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#2 Consumer Comment

Undeserved late fees?

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

Why were the late fees undeserved? Do you have proof that your payments posted on time yet you still received late fees? If you were late you deserve a fee. Obviously the account charged off, which of course is not a good thing. You can't really fix that. Pay it and wait it out. It won't come off your credit report for 7 years. Why is that their fault and not yours? Just curious.
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