FCNB, First Consumers National Bank Paying for someone to ruin my credit Beaverton Oregon

In min June I was contacted by a collection agent for FCNB stating that my account Was over 60 days past due. This came a surprise to me as I currently hadn't made
any purchases from Spiegel. I ask her to explain the charges and she informed me that I ordered and received in the March / April time frame an order totaling $65.86, after she reminded me I confirmed to her yes I did get that shipment, however I had not ever been billed and honestly I had forgotten.

I asked how this would happen and while reviewing my account she tried to confirm my current address it came asa surprise to us both that the billing address on my account had been changed to a address in Fremont CA. I informed her that I had never moved nor had
I requested a change to my account to be made. She told me that I needed to pay $45.00 over the phone that day and she would have to check into what had happen to my address. Due to this she would try to have the late fees removed or reviewed for removal.

Again I will state I have lived in my residence in Newark for 10 years and I have NEVER moved or requested any kind of change of address with my local post office. I would like to add also I have had no problem receiving and paying all my debit from other creditors.

Then on July 1, 02 I was sent a letter from FCNB stating that I would have to pay all the late fees in full. Upon receiving my July 02 statement I called 1-800-925-4976 and spoke to a gentleman by the mane of Josh in customer service and with Josh who by the way was very helpful I confirmed that the total that I had spent and owed FCNB for my merchandise purchased in April/May 02 was $65.86. He did show the payment of $45.00 credited to my account on 6/25/03 and that left a balance showing Of $84.74. Again I went over the address issue with Josh who told me he had no answer to why and how my address would have been changed. His suggestion to me was to pay for what I owed for merchandise only which was $20.86 and to contact the dispute department concerning the late fees. He said he could not help me get those reversed from his department. I was credited for the payment of $20.86 on 8/01/02.

I do not accept responsibility for the pending late fees and would like to hear back from FCNB about how this situation happened and also what can be done to clear up my account and also what can be done to insure me that my account will not be changed without permission from me the sole account holder

And after I wrote the above letter of dispute and spoke to the fraud Dept @ FCNB who informed me they couldn't answer the question how my address got changed I ended up paying in Late fees more than I did for the clothes I bought :( BAD BUSINESS

Sonji
Newark, California