First National Bank Of Marin Opened a $300.00 Credit Line, Sent them $50 App. Fee and Never Paid Deposit Las Vegas Nevada
I sent FNB of Marin a $50.00 fee to open a secured credit account. My father died RIGHT after that and I moved away. I never sent them the deposit. Now they have me in collections and say I owe them $700.00. I never charged anything but their deposit on this card.
Doesn't it seem, if I pay the $700.00 they owe me a $300.00 credit line?
I want to know what I can do about this. Is there anything? Now they just put it on my credit reports and the collection company says I charged the money, and now I owe the money, when I bring up the fact that 300.00 of this is supposed to be a credit account they call me a liar and refuse to tell me what happens to my credit line.
HELP!!
Laura
Saugus, California
U.S.A.
1 Updates & Rebuttals
Matt
Las Vegas,Nevada,
Canada
Heres some help
#2UPDATE Employee
Fri, January 13, 2006
What you need to do is get back in touch with the bank, ask them if there were any purchases on the card.... or payments for that fact. Ask if there were no use of the card and you never activated it that it should have never been left to gain that far in fees considering all are supposed to close out after 14 days if not activated, set to a zero balance and remove itself from the credit reporting traces. This is called unwinding the account. Ask about this.
If all else fails go to the supervisor level and talk to them about it. ABOVE ALL BE FRIM BUT NICE!!! Rude people get nowhere.
Another thought would to be tell the bank that you will file with the Office of the Comp Controller and the Attorney Generals office for the possibility of fraud and the do that action.