Report: #136582

Complaint Review: First National Bank Of Marin, FNBM

  • Submitted: Mon, March 28, 2005
  • Updated: Mon, May 15, 2006
  • Reported By: Ansonia Connecticut
  • First National Bank Of Marin, FNBM
    Po Box 98873
    Las Vegas, Nevada
  • Phone: 888-7296274
  • Web:
  • Category: Banks

Show customers why they should trust your business over your competitors...

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 - 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has any helpful suggestions or personal experience with receiving the card and did NOT activate it, and getting monies withdrawn or not withdrawn from their accounts, and/or getting negative feedback from FNBM on the credit reports, please post to this report?

Ansonia, Connecticut
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This report was posted on Ripoff Report on 03/28/2005 09:02 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

I have had a situation similar to this

AUTHOR: Aafes - (U.S.A.)

I have had a situation similar to this. In the late 1980's I went to my mail and found a Discover card, in my name with a $5000.00 credit limit. With this card there was no need to "activate" the card.

I never, wanted or applied for this card, but it was sent anyway. I immediately called to cancel the card and during the conversation the customer service representative attempted to entice me by offering me an increased credit limit. I declined and cancelled the card.

This used to be a routine method by credit card companies to gain customers. Credit cards were sent without application and most consumers were likely to simply accept the offer. There has subsequently been legislation in most states prohibiting this.

Watch your credit report closely. FNB Marin has a bad reputation for false credit report entries. Many who accepted the card have reported multiple accounts reported when they held only one.
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#2 Consumer Comment

They didnt have my bank info,nor did i activate! Matt, know your FTC law!

AUTHOR: Glenda - (U.S.A.)

I dont consider this to be a funny situation, this company that consumers like the original author and i are having a legitimate dispute. Please read my report on this company, I most certainly didnt give them any bank info. They certainly are breaking some laws in my situation. Explain to me why a company can bill someone for a credit card that they did not apply for and certainly did not activate??? They have the power to report to credit bureaus and there is where the extortion plan is born! Why doesnt this company have a dispute dept that consumers can reach by phone? I was told they didnt upon asking to speak to someone that i would hope help me. I wouldnt be so proud to work for this company, Matt. It certainly wont be a career for job security, because they will not last long if this is common practice for them.
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#3 UPDATE Employee

Lack of reading skills??

AUTHOR: Matt - (U.S.A.)

It is truly amazing how I go to work every day and deal with people. One big question I have is can you all read??

To your comments Margaret:

You knew full well what those fees were for, they were on the pre-approved app we sent you that you HAD to send back to us for us to send you the card, as well as being listed in the disclosure sent to you with the card and finally the statement sent to you as well that you claimed you got.

As per US Law we as a bank have to send out a statement for your edification about charges and such on your account whether they be bank related or purchases made by you, hence the reason that you received the statement so soon after getting your card.

Now unless I'm mistaken YOU also said as per the disclosure you read that after 14 days that the card would automatically close.... and last I checked with math.... 8 is not greater than 14.... so instead of over reacting and blowing hot air where there doesnt need to be any did you bother to call the 800 number on the back of your card to ask any questions directly to the bank?? I mean that call is free. Probably not.... you went to other places that cant help you properly without information.

And as well Jay had a verrrrry good point.... how would we hit your personal account for money unless 2 things have happened.... one you called in and gave us that information and two... told us to take it out... THAT is the only way we would know such information.

Hmmmmmm another cardholder that isnt quite up to speed on how things work??? I think so.... Its called reading and if that fails, call and ask questions.

Have a stellar day...
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#4 Consumer Comment

Beware, I myself fell for the get credit quick facade of fnb marin.

AUTHOR: Randy - (U.S.A.)

I also made sure that when the bill comes to look it over thoroughly and make sure that it's what they say it will be. In order to avoid the "fees" of the card just spend a stamp and send the information back to them it's easier than getting the unpleasant surprise of a bill isn't it? I have since payed my account off and closed my account to which i add they were very helpful and trustworthy, i wouldn't do business with them again but not everyone has a bad experience with them.
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#5 Consumer Suggestion


AUTHOR: Jay - (U.S.A.)


That is something that MUST be authorized or they must at least have your Routing Number and an authorization.

You stated that you immediately contacted your LOCAL just being an average reader was thinking "Why are they calling their local bank?

Unless, you had some prior knowledge of FNBM." Huuummmmmm Kind of suspicious now. I don't really like the company either, but I'm stuck with their type until my entire credit situation is improved to move ON away from them.
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