Complaint Review: FIRST CONSUMERS NATIONAL BANK

I FILED FOR BANKRUPTCY ALMOST 2 YEARS AGO AND WAS OFFERED

A "CHANCE TO RE-ESTABLISH" MY CREDIT WITH A CARD FROM

FCNB. IN THE ALMOST 2 YEARS THAT I HA THAT CARD I WAS

LATE PAYING THEM TWICE. WHEN I SAY LATE I MEAN DAYS. THE

FIRST TIME I HAS MAILED THEM A CHECK WHICH WAS RECEIVED

BY THEM ON THE DUE DATE- THEY PROCEEDED TO CHARGE ME A

35.00 LATE FEE BECAUSE EVEN THOUGH THEY RECEIVED MY

PAYMENT ON ITS DUE DATE IT WAS CONSIDERED LATE BECAUSE

THEY HAS TO RECEIVED AND HAD CASHED THAT CHECK BY THE DUE

DATE IN OREDER FOR IT TO HAVE BEEN CONSIDERED ON-TIME.

THE SECOND TIME I WAS LATE WAS A TOTAL LAPSE OF MEMORY

REGARDING THE PAYMENT A YOUNG LADY CALLED ME AND I GAVE

HER THE PAYMENT OVER THE PHONE VIA CHECK FOR 136.00. I

WAS LEAD TO BELIEVE THAT THIS WOULD TAKE CARE OF ANY LATE

CHARGES ETC. WELL WITHIN DAYS OF MAKING THAT PHONE

PAYMENT I RECEIVED A LETTER FROM A COLLECTION AGENCY

STATING THAT MY ACCOUNT WAS REFERRED TO THEM FOR

COLLECTION AND THAT ON MY CREDIT REPORT IT WAS GOING TO

STATE THAT I WAS 60 DAYS PAST DUE.

IF THAT WAS NOT ENOUGH I LATER RECEIVED A STATEMENT FROM

FCNB SHOWING A CHARGE FOR A "CREDIT PROTECTION FEE."

(PROTECTING MY CREDIT LINE THAT WAS CLOSED BY THEM) I

CALLED THEM AND THEY TOLD ME THAT THEY WOULD CONTINUE TO

BILL ME THIS "FEE" TO EVEN THOUGH THE CARD IS CONSIDERED

CLOSED. THE ONLY WAY THEY STOP IS BY RECEIVING A LETTER

TO END THE SERVICE.

I JUST WANT YOUR READERS TO BE VERY LEARY OF THESE SO

CALLED CREDIT REBUILDERS. BECAUSE I WAS SCREWED.

DENISE
NEW YORK, New York