Spiegle's charge accounts are handled by FCNB (First Consumer's National Bank) and their debt collections are handled by Alliance One Recovery services.

The Report is as follows: My wife has a charge account with Spiegle's. Normally the account stayed in good standing. However, there were major disasters within our family that caused great temporary hardship. As the account grew delinquent, Spiegle's was notified of the situation and temporary arrangements were made regularly. Eventually however, the account was sent to Alliance One recoveries for debt collection.

My wife set up payments by phone, regularly and a plan was devised to bring the account current once again. My wife works in an industry that was greatly affected by the 9/11 tradgedies and at one point made arrangements for four post dated payments by phone for large amounts.

Three days after the payments were arranged with a collector from Alliance One who reached my wife at work after several times being advised that she could not recieve calls at her job, actually calling and speaking to her twice in one day there (which is a violation of FDCPA law) my wife recieved her commission check that was reduced by 3/4.

We called to cancel the transactions three days before the first payment was supposed to begin. The representative told us that there would be no problem, and in fact the account was current now and was sent back to Spiegle's and assured us that no payments would be processed through my wife's checking account. One month later, the checks all hit my wife's bank at the same time, totalling in amounts over $800 and causing her to incurr hundreds of dollars of bank charges and people who had recieved bounced checks.

My wife then called Alliance one, where management refused to accept responsibilty for the situation. They also refused to give a name of a person at FCNB who could assist us. We then called FCNB where the customer service representatives are not allowed to put management on the phone. We called Spiegle's customer service and they too refused to put management on the phone. When Management was finally "coaxed" to the phone, they listened to what happened, proceded to go on vacation and noone could be contacted for a full week until that person returned. Then They told us that they would see what they could do. We did not hear from them for another week. Then they said we had to get copies of checks to prove they cashed them and they would not guarantee to fix it.

My wife's bank said that it would take 10 days to get those copies to her. No one at this point will accept responsibility, we now have totalled over $1000 in problems that include check fees, service charges from Spiegles from checks that returned, our Utilities were shut off at one point because their check bounced, cell phones- shut off, Cable TV- Shut off.

I had to obtain a second job to compensate for the situation. Still when we call, they will not let us speak to anyone of executive level, i was able to speak to a manager who had no "power" to resolve the situation. I even called to advise them the day our utilities were shut off. They were very rude and did not care. When I asked the name of the Vice President of FCNB the manager stated that she did not know and said that she had an organizational chart at her desk, but "did not feel" like going to get it.

Currently known names of involved representatives:

Update Entered: 1/30/2002 Modified: 1/30/2002

Dean Lewis, FCNB Manager:

who stated he would do something to resolve, but has been mostly unavailable, agreed to credit some funds back to my wife's account by Monday 1/28, but did nothing and has apperantly been screening his phone calls: , his secreatary is Vicky, who answers his calls and states he is "unavailable"

Greg Aube - Beaverton, Oregon:

(503) 641-2772

President and CEO of FCNB (information obtained through the better business bureau) -Detailed message left by my wife on his voicemail, butonce again as usual with all people of importance at FCNB, not available.

Ed Hertz:

Manager at Alliance One- who claims even though they took all information regarding bank drafts, that it is not their problem and FCNB is responsible. He has refused to help, and refused also to give the name of a high ranking officer who could help from FCNB. His phone number is 1-541-918-7134 (in case anyone else has the same problem with this company)

India: Representative at Alliance One who originally promised to retract all "check by phone" transactions, and further stated that since account was being sent back to FCNB, payments would automatically be stopped to begin with. Ed Hertz has stated as well as another supervisor there name MATT MOORE, that they have never heard of this representative.

Matt Moore: Supervisor, Alliance One- This man was called early in the situation due to Ed Hertz being unavailable, and said since it was so late in the day on a friday, he would not be able to do anything. He advised me to call him back the following Saturday morning at 9am, and he would be able to discuss further. I then called that moring and was directed to voicemail. He never answered or responded to our calls thereafter. When I advised him of the original amounts of money that began causing theses difficulties, he asked me "That much money is going to break you?"

All individuals involved have failed to accept responsibility. All individuals have lacked concern when spoken to.