- Report: #236123
Report - Rebuttal - Arbitrate
Complaint Review: First National Bank - Legacy Visa Card
First National Bank - Legacy Visa Card| PO Box 5097 | Sioux Falls, South Dakota U.S.A.
First National Bank - Legacy Visa Card They are ripping off on returned check fees, their site doesn't work and charges you when you pay online Sioux Falls South Dakota
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I make all my payments online and have never had a problem entering wrong information or accidentally debiting my account for more than I have (bouncing checks with online payment) (im not an idiot). I know how to enter a routing number and a account number in the boxes and press submit.
First National is ripping off people by charging a 29 dollar returned check fee and then jumbling up your account number after you enter it. the second time it happened to me i looked back and fourth at the number THREE times to make sure it was right!!! it was exactly correct. When i got another returned check fee 5 days later i knew something was wrong with their site! I think they're doing this on purpose to make money off people paying online.
I eventually contacted someone and asked them to remove the returned check fees ... they removed one of them and told me sir it's a one time courtesey. Is anyone else having this problem with them because they said, sir it's not our website we take millions of payments a day and they always work.
when you click checking it automatically fills out the last entered numbers for your account that you put in during your last payment. I checked thesse numbers on the website and they were correct. The girl told me over the phone.. ohh sir you entered xxxxxxxxx4 not xxxxxxxxx7 for my account number and she's a dirty liar! I hope this company get caught and i am canceling my card as soon as i can afford to pay it all off after 4 returned check fees, a late payment and the interest on all of that!!
p.s. I read two other ripoffreports on this card and they weren't true. they both were claiming that they got charged like 175 for a account opening fee. either first national rectiftied this problem or whatever cause i was charged a low 42 dollar fee and that's it! I did have problems computing my actual available credit.. and it's because the pending payments don't show up on the webpage!!!
I was really heated i thought they stole 20 dollars in interest when interest is only 4 dollars a month on a 300 dollar limit card. because it's %apr / 12 (monthly installments in an anual percentage rate) then times that ammount with your balance and that's how much interest they'll charge that month.
This report was posted on Ripoff Report on 02/16/2007 08:09 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Bank-Legacy-Visa-Card/Sioux-Falls-South-Dakota-57117-5097/First-National-Bank-Legacy-Visa-Card-They-are-ripping-off-on-returned-check-fees-their-236123. 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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