• Report: #172344

Complaint Review: First Consumers National Bank, First Consumers Card Members Services, Card Holder Services

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  • Submitted: Thu, January 19, 2006
  • Updated: Fri, April 07, 2006

  • Reported By:austin Texas
First Consumers National Bank, First Consumers Card Members Services, Card Holder Services
P.O. Box 922788 Norcross, Georgia U.S.A.

First Consumers National Bank, First Consumers Card Members Services, Card Holder Services Ruined Credit Score, Reported Incorrect Information to Credit Agencies, Refuses to Change Even with Supporting Documentation Ripoff Norcross Georgia

*Consumer Suggestion: Edification

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I have had a great credit record and payment record with FCNB, even after it filed for bankruptcy and I forwarded payments to Omaha, Nebraska. Recently, I started using the online payment option which worked until now. They claimed they could not read my account number and reported a 30-day late to my account even though I've used the same account for all past payments and paid another card account with the same bank account that cleared on the same day they say another one didn't clear and there was money to cover both.

After repeated calls, letters to them (Card Member Services) and the credit agencies, they (CMS ) has refused to budge and has severely plummeted my FICO score.

I have read numerous complaints on this website from consumers with simlar complaints. I have also noticed that Scot, from Duluth, Georgia, typically submits a "Rebuttal" to those complaints. Would that Scot, happen to be the S. Erwin that it noted in the signature section of the Card Holder Services (aka First Consumers Card Member Services)? If so, why don't you acknowledge yourself as such, a representative of the company.

I that in a report submitted by John (Pheonix, AZ) submitted 3/20/2004, 3:14:11 PM & modified 5/4/2005 5:45:40 PM, that Scot, Duluth stated . . . "The Atlanta address is the service center, for mailing statements, handling correspondence, and for those people who do not include a payment stub with their payment or do not write the complete account on their check or money order, at which point, someone has to manually search for the proper account to credit. The later, would cause a delay." He also mentioned that he understood there was a website to make payments electronically and that a payment can be postdated, but neglected to list the website address.

Scot, how did you come about the intricate details of the inner workings of the service center, yet did not choose to divulge the website address? Also, if it is just a serice center for the aforementioned services, then why on the back of each statement does it direct the consumer to write to "First Consumers National Bank, P.O. Box 922788, Norcross, GA 30010-2788 if we believe that inaccurate information was reported?

I will urge everyone who has experienced any negative incounter or occurrence with First Consumers National Bank (aka First Consumers Card Member Services, Card Holder Services) to contact the Federal Trade Commission (http://www.ftc.gov), and the Consumer Affairs Division, Attorney General's Office of the State of Georgia (http://consumer.georgia.gov).

Sick & Tired
austin, Texas
U.S.A.

This report was posted on Ripoff Report on 01/19/2006 10:35 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-Consumers-National-Bank-First-Consumers-Card-Members-Services-Card-Holder-Services/Norcross-Georgia-30010-2788/First-Consumers-National-Bank-First-Consumers-Card-Members-Services-Card-Holder-Services-172344. 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

Edification

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

Sick & Tired,

Let's set the record straight, No I am not S. Erwin.

I work in the Collection Agency/Banking industry in metro Atlanta.
(It's the normal process) But enough about me.

Let's try and address your problem: You stated that were paying on-line;
Did you include your complete account number to your bill payor service?
Does your bill payor service list the complete account number when sending your payment?
Did you use the correct remittance address listed on your monthly statement?
Do you have a current statement to compare the information?
Does it happen to show a website address on it?

I had a First Consumers account, but have since paid it off.

You might want to have your bill payor service provide you with copies of the checks in question... if they (the bill payor service) screwed up; you may have a valid argument for correcting your credit report.

Remember to keep copies of everything you send to First Consumers.

Remember, you want to schedule you payment e few days before the due date, to assure that the bill payor service forwards you payment in a timely manner.


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