Complaint Review: FIRST NATIONAL CREDIT

IN AUGUST, 2001, I WAS INVITED TO APPLY FOR A PRE-APPROVED GOLD CREDIT CARD WITH A CREDIT LIMIT OF $15,000.00 SOUNDED TO GOOD TO BE TRUE. ALL I HAD TO DO WAS SEND IN A ONE-TIME FEE OF $37.50. SOUNDED CHEAP ENOUGH.

ALL THE OTHER CREDIT OFFERS WERE ASKING FOR $200-+. WITH THIS OFFER, I WAS ALSO GIVEN THE OPPORTUNITY TO APPLY FOR A "VISA/MASTERCARD" WITH AN INITIAL CREDIT LIMIT OF $300.00 THE REPLY CAME RELATIVELY QUICK. I RECEIVED (TO MY SURPRISE) THE PACKAGE WITH THE GOLD CARD.

THE PACKAGE INCLUDED A CATALOG (WHICH WAS A JOKE). THERE WASN'T ANYTHING IN THAT CATALOG GREAT TO ORDER! WITHIN TWO WEEKS, I DID RECEIVE A VISA CARD FROM FIRST NATIONAL CREDIT WITH A CREDIT LIMIT OF $250.00

BUT, THIS FIRST NATIONAL CREDIT CARD COMPANY LOCATED IN LAS VEGAS, NV IS IN NO WAY CONNECTED WITH THE COMPANY WHO SENT ME THIS GOLD CARD.

I HAVE CALLED 411, OPERATORS IN CA, ETC TO NO AVAIL. THIS PLACE IN ALISO VIEJO, CA IS TOTALLY NON-EXSISTENT.

I DID HOWEVER GET SOMEBODY'S ATTENTION. THE CHECK I SENT (UNFORTUNATELY)TO THEM FOR 37.50 WASN'T PAID THE FIRST TIME AROUND. I WAS GOING TO STOP PAYMENT ON IT, BUT THEY JUST CASHED IT ON FEBRUARY 1, 2001. I DID GET A TELEPHONE NUMBER FROM MY CREDIT UNION 949-440-4190. YES, YOU GUESSED IT, NOBODY ANSWERS THE PHONE. IT HAS A PRE-RECORDED MESSAGE THAT SAYS: "YOU'RE CALL CAN'T BE ANSWERED AT THIS TIME CALL LATER.

Patricia
Philadelphia, PA