First National Bank Of Marin, FNBM ripoff FNBM sent me a bill before I even activated their card Las Vegas Nevada

I have had a situation similar to this. In the late 1980's I went to my mail and found a Discover card, in my name with a $5000.00 credit limit. With this card there was no need to "activate" the card.

I never, wanted or applied for this card, but it was sent anyway. I immediately called to cancel the card and during the conversation the customer service representative attempted to entice me by offering me an increased credit limit. I declined and cancelled the card.

This used to be a routine method by credit card companies to gain customers. Credit cards were sent without application and most consumers were likely to simply accept the offer. There has subsequently been legislation in most states prohibiting this.

Watch your credit report closely. FNB Marin has a bad reputation for false credit report entries. Many who accepted the card have reported multiple accounts reported when they held only one.

I dont consider this to be a funny situation, this company that consumers like the original author and i are having a legitimate dispute. Please read my report on this company, I most certainly didnt give them any bank info. They certainly are breaking some laws in my situation. Explain to me why a company can bill someone for a credit card that they did not apply for and certainly did not activate??? They have the power to report to credit bureaus and there is where the extortion plan is born! Why doesnt this company have a dispute dept that consumers can reach by phone? I was told they didnt upon asking to speak to someone that i would hope help me. I wouldnt be so proud to work for this company, Matt. It certainly wont be a career for job security, because they will not last long if this is common practice for them.

It is truly amazing how I go to work every day and deal with people. One big question I have is can you all read??

To your comments Margaret:

You knew full well what those fees were for, they were on the pre-approved app we sent you that you HAD to send back to us for us to send you the card, as well as being listed in the disclosure sent to you with the card and finally the statement sent to you as well that you claimed you got.

As per US Law we as a bank have to send out a statement for your edification about charges and such on your account whether they be bank related or purchases made by you, hence the reason that you received the statement so soon after getting your card.

Now unless I'm mistaken YOU also said as per the disclosure you read that after 14 days that the card would automatically close.... and last I checked with math.... 8 is not greater than 14.... so instead of over reacting and blowing hot air where there doesnt need to be any did you bother to call the 800 number on the back of your card to ask any questions directly to the bank?? I mean that call is free. Probably not.... you went to other places that cant help you properly without information.

And as well Jay had a verrrrry good point.... how would we hit your personal account for money unless 2 things have happened.... one you called in and gave us that information and two... told us to take it out... THAT is the only way we would know such information.

Hmmmmmm another cardholder that isnt quite up to speed on how things work??? I think so.... Its called reading and if that fails, call and ask questions.

Have a stellar day...

I also made sure that when the bill comes to look it over thoroughly and make sure that it's what they say it will be. In order to avoid the "fees" of the card just spend a stamp and send the information back to them it's easier than getting the unpleasant surprise of a bill isn't it? I have since payed my account off and closed my account to which i add they were very helpful and trustworthy, i wouldn't do business with them again but not everyone has a bad experience with them.

My first question to you would be...HOW DID FNBM GET YOUR PERSONAL BANKING INFORMATION IF YOU NEVER PROVIDED IT?!?

That is something that MUST be authorized or they must at least have your Routing Number and an authorization.

You stated that you immediately contacted your LOCAL BANK...me just being an average reader was thinking "Why are they calling their local bank?

Unless, you had some prior knowledge of FNBM." Huuummmmmm Kind of suspicious now. I don't really like the company either, but I'm stuck with their type until my entire credit situation is improved to move ON away from them.