First Consumers National Bank FCNB ripoff Albany New York

Like all of the others, I too have had very negative experiences with FCNB. The stories all seem to be the same and mine is no different. At one time several months ago, I was close but not at my credit limit. All of a sudden my account was severely over it limit and I was on the late fee and over the limit fee roller coaster. Once this happened they stopped sending me bills. This made it even worse, now my account is $700 over the limit and I had not made a purchase in almost a year. How can they get away with this? Im in a catch 22, if I settle on the account It shows up negatively on my credit report (not that my credit isnt in shambles because of them) and if I pay what they are saying I owe, They win. I would also be more than willing to participate in any law suit against FCNB.