I received a credit card from First National Bank of Marin
last Wed. 3/17/05 [postal date]. I don't remember applying for this card. I opened it and read the front and back. It says at the bottom of the page:
"PS For your security, cards not activated within 14 days will automatically be closed. Activate your card now!"
I looked up the name/card on this site- Rip-off Report.com - and found lots of rip-off reports.
So, I decided to hang-on to the card, and NOT activate it. Not really worrying about it.
Approximately, 8 days after receiving the card- On Thurs. 3/24/05 or Fri. 3/25/05, I received a bill/statement from FNBM- stating I owe them $74.75, a minimum payment $15 due by 4/14/05.
The details of the statement:
$69.00 for an enrollment fee posted/transacted on 3/16/05
$5.75 for Annual Fee 4/05-4/05.
NOW, I'm worried. I called my Credit Union and let them know of the situation. They recommended I contact our local Ct. Banking Department.
I called them, explained the situation. They informed me that FNBM is a legitimate credit card/bank.
I expressed to them that I researched the FNBM and read lots of rip-off reports at this site and I am very weary of calling FNBM at all.
The kind woman at CT. Banking Department: suggested I send a letter to her office -CT. Banking Depart.- explaining the situation, with a copy of the statement and the fact, I did dot activate the card, sign the letter, etc.
AND the CT. Banking Dept. will send FBNM a letter on my behalf. She did tell me it could take at least 30-45 days.
I hope this will resolve the issue.
I am worried that somehow FNBM has my info. and will still w/d funds from my account and/or report negatives on my credit report.
IF anyone has any helpful suggestions or personal experience with receiving the card and did NOT activate it, and getting monies withdrawn or not withdrawn from their accounts, and/or getting negative feedback from FNBM on the credit reports, please post to this report?