Complaint Review: FCNB - CMS Card Processing Center

I own a Newport News account with my mother. I am the only one who has made purchases on the card. I was the one who sent payments. I made all payments by check every month.

One month I went into Eddie Bauer to make a payment because I was literally out of checks. Eddie Bauer explained to me that FCNB was closing and they could no longer process payments. I NEVER received a statement saying that they were closing OR that I couldn't make payments. SO.. I called FCNB before they were closed and they said that it was no problem, they would wave any late fees and just send in the payment asap.

As soon as my checks came in the mail, a few days later I sent out a check. That check was never cashed. FCNB called me telling me that they didn't receive a payment (and I checked, they never cashed anything). I had to make a payment right then for that check they never cashed, and they said if they found the other check that they would have to cash it - but that it would be counted as an extra payment on my account.

They said that they would have to charge a late fee although I paid originally by check. They said, however, that I could write to them to have it returned. So...I did. NO answer. Then, it happened a second time. A second month in a row like that, except this time it was CMS that contacted me. They were handling my account and it was now considered delinquent... and over the limit because the extra fees assessed from the checks they didn't cash put me over! I was going to have to pay an outrageous ammount that I couldn't pay.

Then, I tried to contact them and the number that they have on the back of the bill doesn't work! All it does is tell you the balance - it's automated. I had to wait until they contacted me, and it's been that way every month. Except....they only contact me every couple of months and if I don't pay what they tell me to pay, they say it will go on my mothers credit report as 60 days delinquent!

So...one time I payed them almost $250.00 because they said it would put it under the limit. I asked if there were any hidden costs and they said "no, this will do it. You're under your limit and there won't be any more fees." They charged a late fee a couple days after that, and it didn't bring it under at all. They lied. When they called me back the next time I told them that they lied and they said..." well, one of our representatives would never have told you that the 250.00 would have taken care of it." This was way last September.

The last time I called they tried to make a settlement (the bill never goes down) and they refused. They had rediculous requests on the settlement. So... now I can't call them and my bill never changes. The fees alone are 70.00 a month. They're a fraud company and they won't be responsible for sending my credit over the limit and all the crazy fees they are charging. Please help me. They account is under Katherine Mestrand - 5770 9112 2610 4063. Good luck trying to reach them!

Heather
Mulliken, Michigan
U.S.A.