Report: #69365

Complaint Review: First North American National Bank Circuit City Plus Visa Account - Clearwater Florida

  • Submitted:
  • Updated:
  • Reported By: Safety Harbor Florida
  • First North American National Bank Circuit City Plus Visa Account 24244 U. S,. Highway 19 North Clearwater, Florida U.S.A.

Circuit City First North American National Bank Circuit City Plus Visa Account A bought a Circuit City Credit Card and not a Visa Bank Card Clearwater Florida

*Consumer Comment: Circuit City and Grandson

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I co-signed for my grandson to purchase a computer for $2,000 with the agreement that he would make $200 a month payments. All was fine until I got a call several months later that the bill was not being paid it amounted to over $3,000. I was amazed because I had only co-signed for $2,000. However, it turned out that what I really signed for was a $10,000 limit on a Visa Credit Card. Never, never, never would I have given that kind of power to my grandson nor anyone.

The worst part of this scenario is that I am a CFO of a small group of companies and did not think of myself as easy to rip-off. I turned the paper work over to my grandson for him to learn to manage a debt - instead what he learned was that his grandmother had been ripped off and he could take advantage of the situation believing full well that he could easily make the payments and manage the account.

I will always discourage anyone and everyone from ever purchasing items through Circuit City. Not only did they not explain what the credit purchase represented, they blatantly left out that information.

Safety Harbor, Florida

This report was posted on Ripoff Report on 10/17/2003 07:57 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-north-american-national-bank-circuit-city-plus-visa-account/clearwater-florida-33763/circuit-city-first-north-american-national-bank-circuit-city-plus-visa-account-a-bought-a-69365. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Circuit City and Grandson

AUTHOR: Aisha - (U.S.A.)

POSTED: Friday, October 17, 2003
You should have thoroughly read the contract Mam, and you would have seen that circuit city cards are visa cards financed through FNANB.Your Grandson did not live up to his part by paying on the bill, and I suspect he also ran up additional charges. Never co-sign for anyone especially a child or a person that knows if they don't pay, you will have to. Your good credit allowed him to have this high amount and perhaps FNANB did you a favor by contacting you before he ran it up further.When we do not pay a bill it accumulates late charges and higher interest charges. My opinion, I would take the computer from him as punishment until he pays at least 1/2 of the bill but this is his fault, and you do not want to acknowledge he did not pay!
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