First Consumers National Bank, First Consumers Card Members Services, Card Holder Services Ruined Credit Score, Reported Incorrect Information to Credit Agencies, Refuses to Change Even with Supporting Documentation Ripoff Norcross Georgia

I have had a great credit record and payment record with FCNB, even after it filed for bankruptcy and I forwarded payments to Omaha, Nebraska. Recently, I started using the online payment option which worked until now. They claimed they could not read my account number and reported a 30-day late to my account even though I've used the same account for all past payments and paid another card account with the same bank account that cleared on the same day they say another one didn't clear and there was money to cover both.

After repeated calls, letters to them (Card Member Services) and the credit agencies, they (CMS ) has refused to budge and has severely plummeted my FICO score.

I have read numerous complaints on this website from consumers with simlar complaints. I have also noticed that Scot, from Duluth, Georgia, typically submits a "Rebuttal" to those complaints. Would that Scot, happen to be the S. Erwin that it noted in the signature section of the Card Holder Services (aka First Consumers Card Member Services)? If so, why don't you acknowledge yourself as such, a representative of the company.

I that in a report submitted by John (Pheonix, AZ) submitted 3/20/2004, 3:14:11 PM & modified 5/4/2005 5:45:40 PM, that Scot, Duluth stated . . . "The Atlanta address is the service center, for mailing statements, handling correspondence, and for those people who do not include a payment stub with their payment or do not write the complete account on their check or money order, at which point, someone has to manually search for the proper account to credit. The later, would cause a delay." He also mentioned that he understood there was a website to make payments electronically and that a payment can be postdated, but neglected to list the website address.

Scot, how did you come about the intricate details of the inner workings of the service center, yet did not choose to divulge the website address? Also, if it is just a serice center for the aforementioned services, then why on the back of each statement does it direct the consumer to write to "First Consumers National Bank, P.O. Box 922788, Norcross, GA 30010-2788 if we believe that inaccurate information was reported?

I will urge everyone who has experienced any negative incounter or occurrence with First Consumers National Bank (aka First Consumers Card Member Services, Card Holder Services) to contact the Federal Trade Commission (http://www.ftc.gov), and the Consumer Affairs Division, Attorney General's Office of the State of Georgia (http://consumer.georgia.gov).

Sick & Tired
austin, Texas
U.S.A.