Complaint Review: CCA - First National Bank

I am a 21-year-old single mom trying to hold a full time job and go to school part time. I thought that this card would be a great opportunity to establish some credit by myself. Little did I know that they were just taking my money.

As soon as I was aware of what was going on, I put a stop payment to the money that they were trying to take out of my account. They got the first two hundred dollars but they didn't get the next $400 that they did not tell me about.

I have complied with the contract on the back of the application in which I have sent a letter stating that I do not wish to continue my account with them and I also called to make sure they received the letter.

That was 4 months ago and they just sent me another bill stating that I was late on my payment and that I owed them another $400. I sent another with the header stating "SECOND NOTICE" that I was no longer interested in doing business with them. I also called to make sure that they received that letter.

When I spoke to the next person, twenty minutes later, she told me that the last person I spoke to wrote,"I explained the policy again to Ms. Dyson and she agreed to keep the account." LIE

Then I told the lady I was talking to to please just close the account out and she said that she could not close the account out unless it was payed in full.

I told her that that will not be possible and hung up.

Why do they want money that we don't have?

Heather
Seabrook, Texas
U.S.A.