• Report: #35427

Complaint Review: First National Credit; FNC Investments, Inc.

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  • Submitted: Sun, November 17, 2002
  • Updated: Wed, November 20, 2002

  • Reported By:Greensburg Pa
First National Credit; FNC Investments, Inc.
27101 Aliso Creek Road Unit 26 Aliso Viejo, California U.S.A.

First National Credit; FNC Investments, Inc. ripoff deception, tricked and lied to us, rip-off scam liars, victimized many consumers Aliso Viejo California

*Consumer Suggestion: CCA First National Membercard- Already Approved

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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.

Lola
Greensburg, Pennsylvania

This report was posted on Ripoff Report on 11/17/2002 01:27 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Credit-FNC-Investments-Inc/Aliso-Viejo-California-92656/First-National-Credit-FNC-Investments-Inc-ripoff-deception-tricked-and-lied-to-us-rip-35427. 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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Updates & Rebuttals

#1 Consumer Suggestion

CCA First National Membercard- Already Approved

AUTHOR: Connie - ()

I received a letter and card in the mail stating that I was approved for a First National Card from The First Nantional Merchant Credit Card Advantage (CCA) from Las Vegas, NV.

It has a credit purchase limit of $6,500. However, you can only purchase items from their catalog and there is a $200 membership fee and a standard annual $99 fee. Before activating this card, I searched the internet to find the company and this is the page I came to. I did not apply for this card. That was my first red flag that something about this card was wrong.

My second red flag is the knowledge of my own credit history. It would be very difficult for me to get a credit card and to receive one with a credit limit of $6,500, it's too good to be true.

I would say to anyone who receives any card in the mail that they didn't apply for to cut it up! If you are charged high fees, such as membership fees and annual fees, look for a better credit card offer. Write down all the names of the companies that you do apply to so you can be certain of whom you applied to. Always read everything included with the credit card offer before activating any card. Protect your checking account by always using money orders to make payments to credit card companies. Also, check with your bank and see what their policies are concerning removing funds from your account by a third party such as a credit card company. The laws vary by state, so be sure to talk with your bank before accepting any credit cards.

Finally, remember to research the company before accepting a line of credit. You can research the company by the internet, contacting different state and federal agencies, and talking with family and friends.

Thank you to everyone who has reported this company already!
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