(note: at the time this occured, the FCNB branch I worked with was located in Beaverton, OR)
In the winter/spring of I was sent two checks to transfer funds to my FCNB account at a lower interest rate from other credit card accounts, which I utilized.
A week and a half later, I received an e-mail (a mass e-mail, might I add, that showed up in my bulk/spam e-mail box) from FCNB telling me that at of two weeks *previous to the date they were sending this e-mail* they were not going to honor the checks they had sent, so don't use them. Apparently they meant us to all go back in time machines and stop them sending us the checks before they sent them and stop us using the checks before they were used. It was another week before I received something by postal mail to confirm that the notice I received in my spam e-mail folder wasn't the work of a hacker.
Obviously it was too late for me to do anything about this, so I had $650 worth of checks to credit card companies that showed up NSF, resulting in $150 in fees and late charges, and as a result it threw my entire budget in disarray. Two years later I am STILL feeling the results and now I have to declare bankruptcy, because I have NEVER been able to get caught back up. ALL BECAUSE OF FCNB AND THEIR BAD FAITH!
I wrote to them immediately and gave them the opportunity to put things right, to reimburse me for the amount that I was out, but they just told me that they were closing down all those accounts, not honoring the checks, and then they ignored me. I can't be the only one this happened to. I've tried to find a class action suit against these people - there must be one - but I haven't been able to find anything but this site. I hope this gets enough people stirred up to get something done about these frauds.
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