FCNB used telephone solicitors to pressure and confuse my elderly mother, who had held a Spiegel account for years — then began billing her for unwanted "credit protection" service.
She had not ordered it and attempted to call and tell a human this — no luck in their system... If you manage to get to a mailbox, it's conveniently "full", so you cannot leave any info.
When she finally got a person, after several months and several calls, they would not tell her what the charge was for (she'd forgotten by then... She's 80!) and said they'd check on it.
Then sent a letter noting that they felt their charges (still not specifying what those charges were for...) were accurate.
Outrageous example of victimizing the elderly and then tacking enormous late fees on each bill. We will, assuredly, never do business with them again and are filing complaints.
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