In February First consumers decided to cancel my credit card due to no fault on my part, probably because they were going bankrupt. I had hardly used the card at all, and at the time it was current. I believe there may have been a balance of about $100 on it. I only agreed to get the card to help rebuild my credit after I divorced. Once the card was canceled I proceeded to make the minimum payments on the account to clear the balance on the card.
Sometime in March or April, FCNB turned my account over to collections, because I guess they wanted payment in full. I proceeded to send the collection agency a minimum of $50 a month to clear the account. The first week in May I made a $50 dollar payment, I received a call the following week and the agent said that I had a balance of $16 and some change to finish paying off the account. Meanwhile, I had received a statement from FCNB which did not show all the payments I had made on the account.
When I tried to call the agent back after realizing this, I was told they no longer collected for FCNB and was given an 800 number to "nowhere". I subsequently sent a letter & check for the $16 balance asking them to please correct the decscrepancy on my account. I have heard nothing from them in regards to this and have no other way of making contact with them except through the statement address, which obviously is fruitless.in the mean time, FCNB continues to send me statements each month and continues to add charges onto my closed and paid in full account.
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