I too have had many issues regarding FCNB/Spiegel Charge Account. I have had many problems with FCNB and accruing incorrect late fees due to them holding payments until after the due dates.
I sent FCNB a check for $358.96 to pay off the balance of the account three weeks ago and it still has not posted, or been deposited. I live in Tacoma, WA and mail to Portland takes one day, sometimes two.
I sent a complaint to the State Attorney General's Office in Portland via their website. I then called them to see if I should also file a complaint to the Washington State Attorney General. The woman I spoke with said that filing the Oregon complaint would suffice. She also informed me that she has received 396 formal complaints about FCNB and the Spiegel Accounts and that a Class Action Lawsuit may be in the future.
My suggestion is, don't wait until it's too late, file a complaint today online or call them to file a complaint.
Michael
Tacoma, Washington
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