Complaint Review: FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.
- FNANB - A Wholly Owned Subsidary Of Circuit City Stores, Inc.
Circuit City=2040 Thalbro Street
- Phone: 800-843-2489
- Category: Banks
FNANB, A Wholly Owned Subsidary Of Circuit City Stores, Inc. ripoff fraudulent credit practices considers statements a "courtesy" unjustified negative credit reporting Richmond Virginia
*Consumer Comment: FNANB CIRCUITCITY BEWARE STEAL YOUR MONEY!AND RUIN YOUR CREDIT RATING
They informed me that I had been assessed two late charges of $29.00 apiece, my promotional interest rate was converted to a retroactive 26% APR and worst of all, I had already been negatively reported to the credit reporting agencies. When questioned about the missing statements, a manager in the customer service department told me that statements are a "courtesy" and that they did not have to provide proof that they actually sent any.
She told me that it was my responsibility to pay regardless of whether or not a statement was sent to me. She also would not change the negative reporting on my credit history despite the fact that I made full payment due on the same day they called me to alert me to the overdue payments.
The fact that, in a time of instant and easy communications such as email, FNANB did not contact me until after the two month period when their penalties take effect implies that FNANB actually hoped I would miss the payments so that they could financially benefit from a person such as myself who has an excellent credit history. Consumers beware!
San Diego, California
This report was posted on Ripoff Report on 01/14/2004 05:54 PM and is a permanent record located here: http://www.ripoffreport.com/reports/fnanb-a-wholly-owned-subsidary-of-circuit-city-stores-inc/richmond-virginia-23230/fnanb-a-wholly-owned-subsidary-of-circuit-city-stores-inc-ripoff-fraudulent-credit-prac-77075. 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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