First Consumers National Bank ripoff I have paid over 800.00 in late and over the limit fees. Something needs to be done here, and I'm willing to do it. Portland Oregon

I spoke with a representative at Card Member Services. They have a number now that you can speak with a live person. The number is 1-866-475-1434. This numbers is for Visa and Mastercards. I also had a balance transfer that was processed on June 27 through Capital One in the amount of $1,832. FCNB accepted it on June 28. The representative at Card Member Services investigated my claim and said since the money went to FCNB and they acquired the company on July 1st they are way behind in posting accounts to the old company. They asked that I be patient and it will be posted. She also indicated that after my money is posted to my account to call them and they will reverse any late fees. She said they are aware that this is not our fault. I also have Capital One doing an investigation and they said it will take 10-30 days. Good luck!

Its possible the CapOne payments were mailed to the Portland address... in which case the envelope used by CapOne would have a "no forwarding" annotation, the check was probably sent back to CapOne's processor to be voided.
You should ask CapOne for a copy of the canceled check or some other evidence the payment truly was negotiated by FCNB. If the payment posts late, I suspect the processor will backdate your
payment and reverse the late fee in question. It
must require you dropping them a note to request
the same.

You mentioned you sent $1100 and they say you still owe money... was the $1100 the balacne on the account, or a figure you decided on to 'clear the balance'?

I understood a settlement was a dollar amount mutually agreed upon, prior to tendering the funds...

Don't feel alone, it happened to me also. I had Capital One payoff my FCNB account on June 26 in the amount of $1,832. As of today, the payment has not been posted. It still shows I owe the $1,832. I contacted Capital One and they informed me the electronic funds transfer was accepted on June 28 by FCNB. I have written a letter to the address on the Card Member Services website (www.cardmemberservice.net). I am still waiting for a reply. Also, I was told to contact the Attorney General, but since FCNB is out of business, I'm not sure if there is anything we can do.

Don't feel alone, it happened to me also. I had Capital One payoff my FCNB account on June 26 in the amount of $1,832. As of today, the payment has not been posted. It still shows I owe the $1,832. I contacted Capital One and they informed me the electronic funds transfer was accepted on June 28 by FCNB. I have written a letter to the address on the Card Member Services website (www.cardmemberservice.net). I am still waiting for a reply. Also, I was told to contact the Attorney General, but since FCNB is out of business, I'm not sure if there is anything we can do.

Don't feel alone, it happened to me also. I had Capital One payoff my FCNB account on June 26 in the amount of $1,832. As of today, the payment has not been posted. It still shows I owe the $1,832. I contacted Capital One and they informed me the electronic funds transfer was accepted on June 28 by FCNB. I have written a letter to the address on the Card Member Services website (www.cardmemberservice.net). I am still waiting for a reply. Also, I was told to contact the Attorney General, but since FCNB is out of business, I'm not sure if there is anything we can do.

Don't feel alone, it happened to me also. I had Capital One payoff my FCNB account on June 26 in the amount of $1,832. As of today, the payment has not been posted. It still shows I owe the $1,832. I contacted Capital One and they informed me the electronic funds transfer was accepted on June 28 by FCNB. I have written a letter to the address on the Card Member Services website (www.cardmemberservice.net). I am still waiting for a reply. Also, I was told to contact the Attorney General, but since FCNB is out of business, I'm not sure if there is anything we can do.