Soon after my bankruptcy was discharged, I received an offer from FCNB. I was eager to rebuild my credit and accepted a credit card from FCNB with a limit of $300 and a yearly fee of $65. I had little or no trouble with them for the first year. I forgot that my fee was due and when they charged my account for it, I was charged the over-the-limit fee. Okay, I ate that $35 charge. A couple of months later, my payment was received 2 days late, I was charged a $35 late fee.
This caused me to go over the limit and I was charged a $35 over-the-limit fee. I immediately made payment to get my account up to date and made an additional payment later in the month. I noticed on the next month's statement that the math wasn't adding up. I took the balance minus my payments and they had charged me an additional $35 fee (along with the $70 in fees already accessed) but no where was the fee charge listed. I read the back of the statement carefully, according to them,
I couldn't get charged twice for the same fee within the same month. I called and was routed to a special department, the first man I spoke with had such a heavy accent that I couldn't understand his name. I asked him about my bill. He simply said that I owed the money and even though I had made payments, it wasn't enough. I told him that I wouldn't be making any payments that day because I believed the statement to be incorrect and I started to go over my issues with the bill.
He interrupted me to tell me that he had gone over the bill with me and he wasn't going over it again. Fine, I asked for his supervisor and was promptly hung up. I called back and spoke with a Mrs. Green and when I asked for the prior representative's name, she hung up on me. I finally spoke with a Jane - whom I thanked for not hanging up on me. She gave me a bogus explanation for the charge. I told her that I would be writing a letter of dispute but would make a payment with her.
I wrote my letter of dispute and was sent a letter stating that no adjustment would be made and on the very same day, I received a new statement with the balance adjusted. Huh? Just today, I tried to contact them to settle my balance and I was surprised to find that you can't talk to anyone, it's only a VRU system. I went online and paid the balance off, printing everything showing that I paid. I'd hate for them to resurrect this balance.
I'm glad that they were finally put out of business. They were a disgrace.
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