In April 2002, I received a letter from First National Credit with an acceptance certificate enclosed giving congratulations for my guaranteed First National Credit Gold Card with a line of credit of &15,000.
I was to mail back acceptance letter with either $43.00 for rush process or $37.00 for standard processing and then I would receive my gold Card in the mail.
On 4/5/02 I mailed acceptance certificate with a check for $43.00 rush processing. On 4/10/02 My check for $43.00 was cashed. On 4/26/02 I received package from FNC. When I opened package, I realized that I was a victim of ripoff fraud.
To my dismay, my gold card was for catalog ordering ONLY. Not only was it for catalog ordering, but for FNC catalogs only plus I would have to pay the 1st 25% of order along with shipping and handling.
I called FNC with my complaint and was told I could return complete package. If returned in 30 days I would receive my money back guarantee (my $43.00).
On 5/6/02 I sent my complete package "certified" to First National Credit. On 5/10/02 FNC signed the certified package. As you can see from the date I received the package (4/26/02) to the date I returned package (5/6/02) and FNC signed and received package (5/10/02) was less than the 30 days required to receive my money back guarantee.
As of today, November 17, 2002, I have not received my $43.00 refund, but FNC received their complete package back.
I have faxed a letter to FNC saying all that I just wrote, but there has been no response. Also, I have tried numerous times to call the number provided for FNC, but the recording states,"due to a high volume of calls we are only able to take card holders calls, so please enter your last 4 digits of your credit card.
As you read, in order to receive a refund,I had to return "complete Package" (including credit card) so now I am unable to contact and/or speak with a "person" regarding this matter.