We received two cash Advance checks from First Consumers National Bank, signed by President and CEO, James E. Huston (Parent Company-Speigel) at 5.9% through July 31.
We met all the of the Terms and Conditions for using these checks, including calling the 800 number to verify available funds on March 7th. She told me I could write the advance check for$1400.00, which I did and deposited it into my checking account. They then closed the accounts (on that VERY) DAY and the check was returned to my bank as NSF!
We have been slammed with over $350 worth of NSF fees for checks that I wrote to different merchants against this "Cash Advance": The rep at Spiegel told me they were "sorry for the trouble" but the accounts were closed on March 7th!
They sent the letters stating the accounts were closed AFTER THE FACT, I rcvd my letter March 18th!!! I have called 800-211-7340 numerous times (the same number you call to verify the amount that was avail to write the check for) and was told they did not have the funds, or they 'THOUGHT" they had the funds for this promotion. My bank is not willing to waive the $308 NSF fees and SPIEGEL/FCNB does not have the funds to cover the fees. Somewhere, SOMEONE must assume responsibility
Somehow... It's like they ran a lottery without having the funds to pay the winner. When the lawsuit is filed against this company, I want my name FIRST on the list... I'm tired of being s... T on!!
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