• Report: #320444

Complaint Review: Legacy Visa, First National Credit Card Unexpected Charges

  • Submitted: Sun, March 23, 2008
  • Updated: Sun, March 23, 2008

  • Reported By:Endicott New York
Legacy Visa, First National Credit Card Unexpected Charges
Legacy Visa, PO Box 5097 Sioux Falls, South Dakota U.S.A.

Legacy Visa, First National Credit Card Unexpected Charges Legacy Visa, First National Credit Card ripoff Sioux Falls South Dakota

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On 08/2007 I received and accepted a credit card offer from First National Bank for a Legacy card. NO monthly fee, NO annual fee, 0% interest rate till 08.2008, NO balance transfer fee was clearly printed on invitation . The card came five days later, the CARD ONLY with NO ACTIVATION LABEL and NO ANY paper work. I called to customer support, they said the card is preactivated and they stated there NO ANY FEE. I made a $56 purchase at local store and week later I received $175 bill! $119 accepting fee, $50 annual fee and $6 monthly participation fee was applied! The interest rate is also outrageous.

I called to the First National, now the said they said I'm stupid and probably can't reed, and have to pay all fees. They said "we never offered 0 fee". I asked to play back the previous conversation record, but they said the record was destroyed . I ask to close the card (about 20 day after it was opened), but they still apply late fee and over limit fee every month. Now they want $425!!!

Just a warning to all the unsuspecting people out there that haven't yet been burned. Do not accept the offer that comes in the mail or emails. If you have already done so, send the card back. It is a big ripoff.

Endicott, New York

This report was posted on Ripoff Report on 03/23/2008 08:59 PM and is a permanent record located here: http://www.ripoffreport.com/r/Legacy-Visa-First-National-Credit-Card-Unexpected-Charges/Sioux-Falls-South-Dakota-57117/Legacy-Visa-First-National-Credit-Card-Unexpected-Charges-Legacy-Visa-First-National-Cre-320444. 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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