Complaint Review: FIRST NATIONAL BANK OF MARIN - LAS VEGAS Nevada

I am truly amazed at how much people in general think they know but unless you work in the industry you dont know anything. I agree with a lot of the sentiments here that if you dont read and re-read the information your only asking for your own problems. And if you can't read at all..... PLEASE PLEASE PLEASE PLEASE get someone to read it to you that can.... Now to throw mud around a bit: to all of you who said the industry is never perfect you are so right... as the commercial goes "In a perfect world you wouldn't need a credit card" But we pretty much live day to day by them. But First National Bank of Marin has so many never ending issues between computer outages (according to us reps we must always be upgrading our systes LOL) constantly, never posting payments in a timely fashion, applying late fees and over the credit limit fees and finance charges because we dont do what the card holder really wants like closing the account, changing the due date to suit the card holder and many other little loop holes. Or the biggest and I cant understand thisone is we rarely IF EVER receive mail in under 7 days even in the same state..... I mean after 3 major lawsuits you'd think we learned.... but as the real expression should be "Hope springs eternal" we are by far a reputable company.....

Dear Consumer: If you have a complaint against this company, you may file a written complaint with Gianna Orlandi, Deputy Attorney General, at the following address: Gianna Orlandi Deputy Attorney General Bureau of Consumer Protection 555 E. Washington Ave. #3900 Las Vegas, NV 89101 Additionally, you may wish to file a complaint with the Office of the Comptroller of Currency. You may file a complaint with this agency at the following address: OFFC OF COMPTROLLER OF THE CURRENCY CUSTOMER ASSISTANCE GROUP 1301 MC KINNEY ST, STE 3450 HOUSTON TX 77010 1-800-613-6743 Thank you for your correspondence.

This response is specifically to Jay who was "absolutely AMAZED" that some of us speak of "FLAWLESS" transactions in the financial industry. I do not recall any statement which has been posted to say anything remotely similar to what appears to have amazed you. Not one of us has made any generic statements regarding the financial industry. No one ever said that the financial industry was 100% perfect. We were very specific in our statements to relate that our experiences with FNBM (and FNBM ONLY) have been great and without problems thus far. We did not purpote to communicate that the financial industry as a whole was flawless. (I am still trying to figure out how you made that interpretation). Two main reasons people find themselves in dire situations they are unable to handle is because they either fail to read thoroughly, or they do not or cannot understand what they have read. I am not sure which category you fit; however, I do know that your "2 cents worth" would have been better spent had you given a statement that was based on what was was written rather than what you imagined.

I have been a customer of this company for 3 years now I am pretty sure you recieved the same offer I did I am pretty sure what happened is yes you may have recieved a line for 500.00 but this company does partiallty secured cards and the fees are extreme so that will lower your available balance once the card is recieved, as soon as I was able to get another card with less fees that is what I did, but whenever you have problems with a company in this manner you should always continue to pay your bill until further research is done to resolve the matter maybe speaking to someone in corporate or a manager but when call never get irate and rude with the customer service people they only do the same back to you, not to say that is right but its your credit not thiers.

I've read with interest the many comments concerning First National Bank of Marin. I also received their offer of a $500 credit limit, $70 activation fee and a annual fee of $69 @ $5.75 per month. After reading CAREFULLY the ENTIRE user agreement, I decided to take a chance. This was the best decision I made! FNBM quickly issued my card and I received it, activated it, and use at about once a month. I never charge more then 1/2 of my credit limit in order to protect my credit score. You will want to do likewise. Use this card as a tool for rebuilding your credit, regardless of your situation. A company cannot rebuild your credit, only you can by your actions. I have never had a problem with the online access. I prefer to make a payment online and pay the fee of $5.95. This is lower than many other credit companies. Look at the fee as the cost of rebuilding your credit. It is still less than overnighting your check, and is almost the same cost to mail a certified letter with your check. Good luck

I have also been with FNBM for more than 3 years, but I am absolutely AMAZED that some of you speak of "FLAWLESS" transactions in the financial industry. We are all in the same boat because something happened to our credit which landed us with a company such as FNBM. There are additional RISK fees and higher interest rates, but...OUR MISTAKE!!! I have had electronic Western Union, MoneyGram, and Check-by-phone payments posted LATE or to wrong accounts (accidents happen...no one is perfect), but a simple phone call and/or letter straightened out the issue. Their system, like any other, GOES DOWN and funds may NOT be available or posts on time, but they WILL reverse any fees applied. I will NEVER REFUSE TO PAY at least the minimum while they resolve an error or issue nor will I EVER say how "GREAT" or "PERFECT" their service is because it's not 100% PERFECT and this is NOT a Perfect Fantasy World. Just my 2-cents worth. By the way...no one can have more than ONE FNBM account open at any given time per their POLICY...how did the other reader get THREE??? I guess the system is NOT 100% PERFECT.

The one thing most consumers fail to do is to read and understand the contract they have signed. I assume the reason you became a FNBM customer is either you have poor credit or no credit. At any rate, the manner in which you chose to deal with the problem of the credit limit (if it truly was a problem) was juvenile and it will hurt you more than it will FNBM. Somehow I don't think that you thought that far ahead. I have three accounts with FNBM and have been with them for more than 5 years. I have always received my statements nearly three weeks before the payments are due. I have never had a problem with my payments posting to my account on time. I have used the pay by phone method once. I am, I guess one of the few happy customers whose experiences with FNBM have been pleasant. But then again, I learned from my earlier mistakes and I pay my bills on time. Maybe one day you will reach that plateau. Word of caution - educate yourself before you get another credit card.

I have had a credit card account with FNBM for more than 3 years now, and in all that time I have NEVER had a single problem with them. Of course, I would NEVER skip paying my account for two months as the person here did. That is asking for trouble no matter which bank you are dealing with. In the time I have had my FNBM account open, they have never failed to mail me a statement, never failed to credit a payment on time, never charged me an unwarranted fee, never called to sell me anything, never pressured me to buy expensive account protection insurance, and never treated me in any other way except with respect. In three years they have raised my credit limit 6 times.

This company will rip-off its employees as well as its customers. Call 1-877-825-3242 immediately and CLOSE YOUR ACCOUNT. It takes FNBM 7-10 days to post a mail payment to your account. There is no grace period. They charge $5.95 for a check-by-phone, when it doesn't cost FNBM any $$$. Cut your losses immediately and get an unsecured credit card.

This company will rip-off its employees as well as its customers. Call 1-877-825-3242 immediately and CLOSE YOUR ACCOUNT. It takes FNBM 7-10 days to post a mail payment to your account. There is no grace period. They charge $5.95 for a check-by-phone, when it doesn't cost FNBM any $$$. Cut your losses immediately and get an unsecured credit card.

This company will rip-off its employees as well as its customers. Call 1-877-825-3242 immediately and CLOSE YOUR ACCOUNT. It takes FNBM 7-10 days to post a mail payment to your account. There is no grace period. They charge $5.95 for a check-by-phone, when it doesn't cost FNBM any $$$. Cut your losses immediately and get an unsecured credit card.

I have had my Visa Gold from FNBM for a couple of years now and think they are great. My card also came quickly-limit correct-have had positive experiences w/customer service. The guy must not have read through everything or he didn't understand, never-the-less, refusing to pay the bill was absolutely the wrong way to handle his situation and FNBM had every right to sell his account to creditors. Next time he should try contacting someone to set things straight!

i have dealinging with fnbm of marin for more than a year my card came on time and limit was correct ,I be liveve he handled the problem wrong. he should have called them and corrected the problem ,but not paying your minimal balance of 15.00 was wrong all could have been handled over telephone .as I said I have been with them over a year not only has my credit improved but they have allso repaired my crdit ,companys that turned me down a year ago now appove my cedit.I just got 2 cell phones from sprint who told me a year ago I needed 500 dollars deposit to get them. by the way they were free with family plan.