Complaint Review: First National Credit Card

"Joel" is totally full of something. In particuler, making a payment toward something that was never received will not obligate a person to any sort of contract. A lot of companies have tried to make people pay them by mistake or intimidation but judges won't go along with it.

On the back of the statement find the section titled "BILLING RIGHTS SUMMARY." This describes how to formally dispute any charges on "your" account as is your right under Federal law. Dispute the entire balance, saying you that never applied for an account, received or used any card or otherwise authorized any charges on the account. You refuse to make any further payments and demand your money back. It is very important to follow the directions exactly, including mailing your dispute IN WRITING to the address specified. It is usually different from the payment address on the front of the bill. Don't bother phoning them as you'll just be talking to people like Joel.

John,

First, don't stand for this. First National needs to provide you some proof asap. You should also check your credit profile because they have likely made an entry indicating an open account with a line of credit and may now be reporting it as paid late. Do everything in writing, certified mail with return receipt.

Secondly, you posted: "We keep getting this bill from first national credit card and we have been paying it." You then indicated you have never had this card. No offense, but you need to take a hard look at your budget and finances. If you are at the point you simply pay any bill you receive in the mail you may be in over your head.

To Joel: You are full of buffalo chips. First National can send "pre approved" applications. Absent a consumer accepting your offer and signing (either electronically or an actual signature) your company CANNOT issue a card, send a bill, accept payments or open an account. Despite your belief the USPS does "forward" first class mail. Priority / First-Class is forwarded for 12 months, at no charge, as long as the sender did not place a non-forwarding endorsement on the mailpiece.

IF the OP accepted the card and moved (which sounds doubtful) it is odd that you did not forward the card, but managed to find the address to send billing statements to.

I am sorry to hear of your situation. At some time, you would have received a pre approved application in the mail including a disclosure insert stating the start up fees for our credit establishment or re-establishment program. I am led to believe that your address changed in the interim, as we find that is where most of the situations like yours derive from. Statements can be forwarded to new addresses, however cards cannot be forwarded by law, they are issued First Class. This could have been easily corrected by reissuing a card if you were interested to a correct address, and voiding out the first statement. Under no circumstances should you ever pay anything that you don't have. By paying on the account, you furthermore indicated that you agreed to the terms,conditions, and fees on the disclosure statement and bound yourself to such an agreement, therefore making yourself responsible for the balance. Had you not paid it, you could have either had the account reset and reissued, or closed upon your request and not been held responsible for payment. By paying, you are unfortunately responsible for the balance, so I suggest keeping up on the payments and having a card reissued, otherwise it will reflect derogitory on your credit history.