Complaint Review: FCNB

Spiegel - FCNB Even MORE CRAP about Spiegel ripoff liars victimized us BeaverTOWN Oregon .....

I've read numerous posts, with people giving phone numbers, addresses and websites to call, go to or send payments but NONE of them deal w/Spiegel. None will accept my Spiegel account number and not one single live person came to the phone.

Any one have a single discussion w/a live person lately, about SPIEGEL? Here is the Oregon's Attorney General's website.. Please go and send an email to him about FCNB and Spiegel.

http://www.doj.state.or.us/

Here is a great tidbit issued by the Attorney General Of California:

1747.40. If a card issuer fails to give a timely response to an inquiry of a cardholder concerning any debit or credit applicable toan obligation incurred through the use of a credit card, he shall notbe entitled to interest, finance charges, service charges, or any
other charges thereon, from the date of mailing of the inquiry to date of mailing of the response.

1747.50. (a) Every card issuer shall correct any billing error made by the card issuer within two complete billing cycles, but in no event later than 90 days, after receiving an inquiry.

(b) Any card issuer who fails to correct a billing error made by the card issuer within the period prescribed by subdivisio (a) shall not be entitled to the amount by which the outstanding balance of the cardholder's account is greater than the correct balance, nor any interest, finance charges, service charges, or other charges on theobligation giving rise to the billing error.

(c) Any cardholder who is injured by a willful violation of this section may bring an action for the recovery of damages. Judgment may be entered for three times the amount at which actual damages are assessed. The cardholder shall be entitled to recover reasonable attorney's fees and costs incurred in the action.

1747.60. (a) Every retailer shall correct any billing error made by the retailer within 60 days from the date on which an inquiry concerning a billing error was mailed.

(b) Any retailer who fails to correct a billing error made by the retailer within the period prescribed by subdivision (a) shall be liable to the cardholder in the amount by which the outstanding balance of the cardholder's account is greater than the correct balance, and any interest, finance charges, service charges, or other charges on the obligation giving rise to the billing error.

(c) Any cardholder who is injured by a willful violation of this section may bring an action for the recovery of damages. Judgment may be entered for three times the amount at which actual damages are assessed. The cardholder shall be entitled to recover reasonable attorney's fees and costs incurred in the action.

(d) As used in this section, an "inquiry" is a writing which is posted by mail to the address of the retailer, unless another address is specifically indicated by the retailer for the purpose of mailing inquiries with respect to billing errors, then to such address.

Joni
Diamond Bar, California
U.S.A.