FNANB Circuit City unlawful dept pratices abused & mistreated Kennesaw Georgia

Although I've had a Circuit City card for about 5 years and have never had any trouble with FNANB, I have had problems in the past with other financial institutions.

I would like to offer a suggestion that may help you resolve your situation with FNANB.

I don't know if you have tried this or not, but Clark Howard might be of some assistance to you.

You can contact him [via this report].

I hope this helps and I wish you the best of luck.

BTW! Thanks for the heads up on this matter. I will be keeping a close eye on them from now on.

Finally, another person reporting on FNANB! I would have thought there would have been more than one report on this company here.

I do not have an FNANB card, thank God, but my grandparents do and they have had so many problems with this company that I have been trying to help them by commencing my own personal holy war on FNANB. Nothing they do surprises me anymore, including them making up a brand new credit card account for you.

My grandparents problems with FNANB started when my grandmother had an illness and some very expensive and unexpected medical expenses; most of which was not covered by my grandfather's medical insurance. Knowing that they were not going to have enough to cover their minimum payments due that month on their credit cards, my grandmother called each one to let them know this. Chase and Fleet both worked with her by reducing her minimums due for a few months and both even cut the interest rate; so while they were paying less than the minimum, they wouldn't be accumulating obscene interest charges.

Then she called FNANB "customer service." I use the term "customer service" loosely as I have yet to hear of anyone at FNANB providing anything that could pass for customer service; but this seems to be a pervasive problem with a lot of companies now. In any case, the rep tells her that unless she was affected by the September 11th attacks she cannot get a temporary reduction on the monthly minimums. Well, who the hell in this country wasn't affected in some way by that event? When she told them that both Chase and Fleet temporarily reduced the minimums on the cards my grandparents held with them, the rep's response was, ma'am we're not like your other credit card accounts because we're a bank. So what the hell are Chase and Fleet?!

My grandmother called back at a different time and explained her situation again but this time the rep told her to send in whatever she could afford because that would be better than not sending anything.

Then came the littany of letters and phone calls from FNANB. Sometimes they would call up to 10 times a day. When she explained the situation to them and told the reps that she wants to pay, but just doesn't have the money to pay the full minimum, the reps standard response was, ma'am you can't stop paying, we don't do that. Hello?! Who said anything about not paying? Did you even listen what was said to you?! At this point I began to wonder if the only qualification needed for working at FNANB was a pulse. Another time, just two minutes after my grandmother answered one of FNANB's calls, another rep would call about the same thing! And yet another rep accused them of secreting the money to pay on this account and had the gall to call my grandparents deadbeats. Well, considering the nasty, rude attitudes of the reps, DUH! Don't you think if they had the money to pay this account in full to make this stop they would? You think people like being called 10 times a day about the same thing and verbally abused on the phone?

They keep getting letters from "Nicole Carter," who identifies herself as a "Legal Recovery Manager," and the "Customer Collections Dept." The letters are basically identical in every way and threaten that they're going to call your employer, that your account is in legal default and they will commence a lawsuit if you don't contact them. In one of my letters to Nicole, I asked her what sort of educational background one needs to be an LRM because, unless she's an attorney, she has no power to commence a lawsuit. I also asked her if she herself works for a court or is a judge because only a court can declare that something is in legal default. I have yet to receive a response and I am still waiting.

Next, I had my grandparents write a complaint to the Florida consumer protection office about the non-stop threatening letters and phone calls. We were told by them that their complaint was referred to Virginia Consumer Affairs. We thought that things were finally going to get moving on this, but that was just wishful thinking. Shortly after the complaint had been turned over to FNANB, a woman identifying herself as the secretary of the president of FNANB said that she had been assigned to clear up this matter. This all sounded good but the catch was my grandparents had to provide personal information such as their social security numbers, bank account numbers, other credit card numbers, monthly income, etc., over the phone for them to work out a "forebearance plan." My grandparents asked if they could submit this in writing or get a form or get a copy of the information she wrote down. That's not FNANB's policy, they were told, it has to be done over the phone, no copies. Well hell no you're not getting that kind of info over the phone like that. How do my grandparents know what you're going to do with it and how do they know you won't change the information? Why would they want to since they don't even get a hard copy of it?

Later it turned out that the woman who called wasn't even the president's secretary. How do we know? Because not even one week after the above incident, she made one of those collection calls identifying herself as a CSR. So either she ticked the president off pretty good to get demoted down to making collection calls or she was a bold-faced liar.

I am still at my wits end with this company because no matter what you do they don't stop. I even posted this problem at Findlaw.com and got a sarcastic, smarmy response, which was no help at all, from some attorney named "Ed." After "Ed" was told the whole situtaion on why my grandparents had falled behind on this card, he basically called them deadbeats. Undoubtedly, "Ed" must work for creditors and one that treats all its customers like deadbeats.

Even more, no matter how many times you write them letters reminding them that Florida law prohibits communications with a debtor that are calculated to harass, such as their excessive written and telephonic communication; that Florida law prohibits a creditor from contacting the debtor's employer until a judgment is obtained against a debtor and is finalized, they seem to think they're above these laws and continue their behavior. But I am not undaunted, I will continue to fight them at every turn, and will commence a personal holy war against any other company that gives sucky customer service, until my grandparents can get some resolution to this matter.