I owed a little over $100 on my card. They cancelled the card, I because of sad misfortunes, having a home fire and business fire, no insurance to cover, my bill now is over $800. They won't settle for the original amount owed. I get phone calls everyday, every half hour.

I paid my payment on line two days prior to the due date. I rec'd my next billing and they had charged me a late fee of $35.00 due to their error. It showed that they did not process my payment till 3 days later. I am not able to get hold of a live person, and I agree with other people, that we need to file a lawsuit against this company.

I called the company prior to paying off my credit card to verify amount to send.Upon receiving the answer I called the loan company that I borrowed the money to pay off my credit cards and they issued a chech to FCNB.3wks.after receiving payment I was sent a bill for $35.oo for a late fee. I immediately called and the lady I spoke with said she would credit the account and apologized. The following month I got abill for $70.00 + interest...again I called as well as followed up with a letter....angd this has gone on for 2 yrs. Grand total to date $349.00 and I am still not going to pay it...this is just wrong to do someone who in good faith paid what was owed to this company. I would NEVER recommend FCNB. Thank you, Sharon Burnsed

Like a lot of people, I was shocked when they canceled their credit card. I had a $1000 limit and had a blance of $450 when the card was canceled. I tried to call, but as usual it was the same story...you could not get a live body. Then a few months late, I got a call from a collection agency asking for $1500. I refused to pay any over the limit fee for a card that was canceled. I have received calls from about 3 different agencies to date. The latest was today and now I am up to $3,000plus. If anyone out there is filling a class action suit or know how to go about it, please let me know. Very ANGRY

you call to pay they tell you the amount and short the .78 cents and charge you 35.00 then you cant talk to anyone write a letter that never gets answered

Over 9 years ago I tried to rent a car w/ cash & I couldn't. I was so embrassed. I had BAD CREDIT & couldn't even get a credit card. I was determine to change my credit rating that day. I applied for a secure FCNB card with only $200.00 deposit. After using the card for a little over a year correctly w/ all payments on time etc, FCNB turned my secured card into a regular card much to my pleasure! On top of that every 6 months they faithfully increased my credit limit & when they closed their accounts I was really upset since I been w/ them so long. I did receive offers for other cards & can honestly say I would have be happy to stay w/ FCNB but because of FCNB I had no trouble getting my new cards which I have now had for 2 years. If it wasn't for FCNB my credit score wouldn't be what it is today. Thank you FCNB, I am still "One Satisfied Customer".

Before I purchased my house in 2000 I had a credit check done and found fraudulent charges on a FCNB card that was in my name. The account was closed and the debt was deemed fraudulent and the case was closed. However, now in 2005 I am getting calls froma company that bought FCNB saying I owe $350 for those exact fraudukent charges. I have since sold the house and infortunately did not keep any paperwork relating to this case. I can not get in touch with anyone who can find out why an account that was deemed fraudulent and closed was sold as an open account. My credit is shot from this and I am pissed. I WILL participate in a class action suit if someone can offer some help.

I have been a major cardholder for quite some time, since 1993. I have always been on time with payments, except when I was charged late fees on checks already submitted but "couldn't be found." Nevertheless these checks were always found after the paydate. After not being able to contact FCNB or their "customer service," I received a letter with a new contact number explaining that payments need to be made online whenever possible. Accompanying that letter, I have just received a hike in my interest rate on a card I can no longer use. They told me that I would have to seek the help of a debt consolidation agency (theirs) to reduce my interest rate. I am still trying to get this solved. I don't have issues with my credit and have since moved on and transferred the balance to a better card. My advice...get them out of your life asap!

FCNB seems to have a reputation for doing the same thing to people. They add false late fees and then refuse to even reply to a dispute request. When you settle, they never clear your account. When you dispute, they never answer. And they mess up your credit for years to come. i think a class action suit would be a very wise thing to file against this shady company

...It probably is. This is true with FCNB. They took my payments, held them untill they were late, and charged huge late fees. When I tried to cancel, they wouldn't close the account. I received month after month of late penalties. My Credit is worse than when I started, and I've hired a lawyer to correct all the problems FCNB Created.

back in 1998 i signed up for this card and received a $300 limit non secured. i then put $500 into a savings account in thier bank raising my limit to $800. i made all payments on time,then i was late on 1 payment and got socked with some type of fees amounting to around $130.i cut the card up and mailed it back to them. they should have taken my $500 i had in thier savings and credited it to my account, leaving me around a $300 to $350 balance.Remember this was 1999.In july of this year 2004 i got a summons to appear in court from a collection agency. this was the second collection agency that had purchased my balance from fcnb.when i appered in court they said i owed $1221.49 and i was send into a room to try to mediate payments. in the room the collection agencys lawyer said that i now owed $2400.48!!! i refused to pay anything and stated my case to the judge. on sept.23th i have to go back to court for a trial on this matter. i have tryed to reach fcnb to obtain a record of what happened to my $500 savings account and have found out they are no longer in biz.i am glad to see this site and read how other people were also ripped off. it will be interesting to see what the judge will do when i show him some of these letters that other people have written. i will try to update this after i go to court.

FCNB mysteriously withdrew all charge privileges from its customers more than a year ago. The consumers had two options: pay off the entire account or pay on the account until balance is paid (at same interest rate as before and with NO further purchases). The bank's reasoning: they have the right to do what they wish with their accounts.

go to www.cardaccessservices.net to pay your bill on line. It's supposed to post same day if paid M-F before 3pm.

I've taken over my Aunt's finances. She did not understand credit and since my deceased Uncle took care of her for 45 years she was lost. FCNB offered her a Visa. She didn't understand the fees, costs, late charges, etc. Now, four years later, I find this on her credit report. She said she used it once! She is in debt for $2400.00 and doesn't understand why. The company who took over for FCNB refuses to send me or her any information on exactly what she purchased on their card! UNBELIEVABLE! I urge everyone to take part in the class action suit.

This c.c. is real quick with the late fees. You can most always depend on a late fee no matter how prompt your payment is. For me it's always one day past due date even though my pmt. was sent early like 7 days. In december last year my payment was lost completely in the mail.In January the pmt finally made it and since it was lost I stopped payment on the check and issued another by phone the same day they told me my payment was not received. My next bill was late fees plus insufficient fund fees because of the stopped payment,which was communicated through customer service I told them exactly what, when and where I was going to take care of this. I fought back and forth with customer service about the fees and all they would say was it is not our fault the mail didn't get to us. I told them I wasn't to blame either and due to the check date and postage date could we dissolve the fees and of course the answer was no. I had never been late before that time. I think they just post late to be able to get late fees. I absolutely hate this card and I closed the account.

I had an account with FCNB, have all pmt records, paid as agreed. They made an error and my acct got sent to collection and they wouldn't talk to me about my dispute. I had got this acct to build my credit not ruin my credit. I will join a class action suit when and if it is filed. Worst customer service and or care I have ever witnessed. I followed all of the rules in their brochure in regard to disputes and still no resolution.

I'm in the same boat w/all of you. What are we to do? I supposedly paid them off when they closed their doors.. my bill says I have no credit w/them.. they keep sending me bills w/a new amount i owe.. I'm going to call the government also and TRW, and the White House...this is a huge scam.. i'm disgusted. as you say.. there is no way to reach them. they have no real phone.

This is the worst credit card I've ever had.I called in to change my address I entered my account number it was invalid I tried every single mean to contact them :No use. Now I do not know if my account is closed or not. I do not know how much my balance is. FCNB SUX BIG TIME I DO NOT RECOMMEND IT TO FRIENDS NOR ENEMIES.

We should be seeing them in a "class action law suit" soon. I had perfect credit for more than 20 years until I dealt with this company. I have never been late on a payment in my life. I paid this account off as soon as I was notified that this company went out of business with Spiegel. Then I began getting late notices. I sent certified letters, called and faxed them since May of 2003. Today January 19, 2004, I am still contacting them about crediting incorrect late fees. I have had to dispute their incorrect reporting on my credit report after being denied a credit line as a result of their admitted mistakes. What a Disaster

Ok, One freaking year AFTER the company closed it's doors you debtors are still talking smack about FNCB, Get a life get out of debt and stop getting mad 'cus you can't pay your bills on time read your card holder agreements and maybe you will understand why you have so many fees. IF YOU MISS A PAYMENT YOU GET A LATE FEE. Think about it people. Another thing to let you know if your still getting calls about your FNCB Mastercard/visa card IT'S BECAUSE your in third party collections! Get a life an get a grip of your credit. Coming from a former FCNB collector. "Just pay your bill"

I got this card when I first fill bankruptcy and at first it was a good card until one day I didn't receive a bill which mean i could send in a payment. Customer service called and I made a payment over the phone they then dropped my balance to what i owed. Than all hell broke out. i had them closed the account and I have been for the last two years been tring to pay the card off. They have put fraudantly charges on my account charging me over the balance fees constantly. When I make hugh payments they some how hit me with fees knocking down the payment. Whne you call customer service you can't get a live operator you only can write in with the problem, which they never repond to. I have decided to contact a govenmental agency and sue them in small court for fraud.

This is the worst bank I have ever delt with. No phone, slow postings of payments. Takes 8 + days before crediting payment. They love to charge late fees even though patment has been received.

FCNB has got to be the worst bank ever. I agree with a previous comment of not being able to get a person on the phone to deal with problems, and having to jump through hoops to get a problem resolved. Personally, I had to file 3 complaints with the Better Business Bureau in order to get FCNB to reflect the proper amount owed, and remove penalities for their admitted mistakes.

This company has been completely inconsiderate to its customers and completely unfair in their business practices. The company sent me a letter to inform me that my account was no longer valid 2 days after my account became invalid! At the time I only had an FCNB credit account so, thank God I didn't have an emergency and have to use my FCNB credit card. Their practices are appauling! I have more to say, but that was enough for me!

Total review for this card is that I would not recommend it. It seems once you spend enough money on the card, they cancel it, blaming my other credit card amounts which are on your credit reports. It's time the government looks into this activity. I am sure I am not alone.

This card is by far the worst I've ever had. The customer service is horrible to say the least and somehow, they always managed to show my payment as being "late" and charged me late fees left and right. It is also difficult, if not impossible, to obtain a refund have excess charges reversed, even when you are 100% right.

I am sure that other FCNB "credit products" are using the same tactics as they are on the no longer valid VISA cards they issued. They will skip a month's bill, hope you don't notice, and then bill you a $35.00 late fee on the next bill. My bill has not arrived again, and it's 11 days after the closing date! If I want to send in a payment anyway, I can't because the payment address does not appear anywhere on the bill stubs! There must be a LOT more people out there who are experiencing these problems, but they either haven't found this website or they don't have access to the Internet. If you are having problems let the FEDERAL TRADE COMMISSION know! They need to see how many of us there are! Contact them: You may file a complaint with the FTC directly by calling toll-free 1-877-FTC-HELP or visiting them online at www.ftc.gov. Don't let these criminals keep on going!

MY HUSBAND HAD THIS CARD AND NOW I AM BEING TO LIKE THAT HE WAS NOT REALLY LATE ON IT. HE WENT FROM A SMALL BALANCE TO A LARGE BALANCE. THEN I CLOSED THE ACCOUNT. NOW I KEEP HAVING SOME ONE CALL ME ASKING FOR A POST DATED CHECK. I TOLD THEM SEVERL TIMES THAT I DONT DO THAT. I HAVENT EVEN RECIEVED ANYTHING FROM THESE PEOPLE IN THE MAIL JUST PHONE CALLS. I TOLD THEM THAT I WOULD PAY IT IN FULL IN JANUARY. BUT NOW AFTER READING THIS IM NOT. I GOT ONLINE TRYING TO SEE IF I CAN FIND OUT WHO IS CALLING ME BY NUMBER. AND I FOUND THIS. THEY ARENT GETTING CRAP FROM ME NOW. I TOLD MY HUSBAND THIS MORNING, BEFORE I READ ANY OF THIS THAT I AM STARTING TO WONDER WHO THESE PEOPLE REALLY ARE. THEY HAVE TOLD ME THAT THEY ARE GOING TO TAKE US TO COURT AND WE ARE GOING TO HAVE TO PAY COURT FEES OF 3,000 DOLLARS. OUR BALANCE ON OUR ACCOUNT 359 DOLLARS. MY HUSBAND AND I FILED BANKRUPSTY IN 1999. AND THEY TRY TO MESS WITH THE WEAK I SEE. BUT WE HAVENT BEEN WEAK ON OUR CARDS SINCE BANKRUPSTY THIS HAS BEEN THE ONLY ONE. THAT IS WHY I AM STARTING TO THINK THAT THIS CARD HAS SCREWED US AND NOW EVERYONE ELSE TO. WELL THEY ARENT GOING TO GET NUTHING NOW I CANT WAIT UNTIL MY HUSBAND GETS HOME TONIGHT AND READS THESE LETTERS. THEN IN MAY I RECIEVED A THING FROM EXPERIAN CREDIT THAT FCNB HAS BEEN DELETED ON OUR CREDIT. AND IM STILL RECEIVING THESE PHONE CALLS FROM PEOPLE I DONT EVEN KNOW.

I paid off my card several months ago through a re-fi. The amount sent was more than I owed since the info used by the mortgage company was not up to date. I could not get a new balance in time to get an adjusted check therefore I have an overpayment in excess of $400 which I would like back. It is impossible to get a live person on the phone. I spent hours going in loops doing all the tricks I knew to get to customer service. No Luck. So here I sit not knowing what to do. I want my money back...I paid in good faith.

Thankfully they are no longer in the credit card business. They closed my account this past year, as they said they were no longer going to be affiliated with Visa. I transfered the balance owed to a new credit card, minus $3.30. I expected to be credited at least $5.00 back on the unused portion of my annual fee as stated by my initial agreement. I called customer service, waited for 30 min. and all they had to say was it was not being refunded, it was not a refundable fee and i should read my initial agreement i signed. I read the agreement to her that stated under the condition in which the card was cancelled it was refundable, and still she would do nothing. I was told to dispute it in writing. I did that as well and never got a response from them. Now they say i owe over $300 on an account that was supposed to be frozen until the dispute is settled, and they illegally reported it to the credit agencies as over 90 days past due. They are true rip offs that think large companys can bully around the consumers. I wish them all misery for what they are doing to hard working people trying to build a good credit history.

If I had sent bills to people that owe me money and charged fees like this company, I would be out of business myself. I have never seen such a horrible company. It makes it hard to trust people when big companies are out there to screw you.

This debt appeared on my credit report indicating that I had not made a payment in over 6 months. According to the credit report, the balance was $100 1/03 and has increased to $500 by 11/03. I do not have a card, nor do I receive statements. Now a collection agency is offering me a settlement of $300. I cannot get in touch with this company! Would like to see an account history to validate the debt, would like to know where they sent the credit card and the bills!! Seems like when they went out of business they turned everything over to collection.

If you were shocked that FCNB was going under, it should shock you more to know that all of the employees new it at the beginning of 2002 and the executivs new it well before that. They should have had plenty of time to send out multiple notices that they were going under. And yet they didn't.

I have had the worse experience ever with this company. They charge fees with no announcemen. Go under with no announcement.... not to mention YOU CAN'T GET A HOLD OF ANYONE !!!! Since the company went under I have talked to 5 collection companys about a balance that I do NOT owe !!! I paid the card in full and when I went to use it I find out that it is not valid due to the " Credit card company's bad finance issues". Three months later I get a bill for the remaining balance of 500.00 which was paid prior to them closing. Not to mention the last payment I sent in cleared on my checking account for the same amount!!!! Anyone for tar and feathers?

I recevied my card after my bankruptcy at first the card seemed ok to help build the credit back up, but after i moved out of oregon to find a job the posting practices they had were unheard of, to take a pymt over the phone should post the next day not 5 days later a western union quick collect the same if not sooner took upto 8 days to post and would cause a overcharge and then a late fee and then an overlimit charge which they wouldn't credit me back on. I started out with a credit limit of $300 and boosted to $800 but they didn't inform me until i tried to use the card that they cancelled all service to everyones card. I am truly glad that they are out of business and hopefully the regulators who found they broke several servicing laws will not let them get by without fining them at a high price and make sure they ratings as a credit card company stays in the low digets. As for the idots that thought they were collectors they were rude, tried to make me feel stupid when in fact they were not the bright lite bulb there. There is no reason when a person gives a check over the phone that it shouldn't post the next day instead it took 5-7 days, by law they can't hold a ck or funds without posting for more than 3 days, and for a western union that is to post the same day it took just as long. Their bank was there to make money on late fees,overlimit fees, and anything else they choose to charge. Hopefully this will get a big write up in the paper and give them a big fine. I have been doing just fine without a credit card, and you all out there can do the same, with companies like this we are all better off with out the extra credit and working with banks that think that they are above the law.

I paid off my account in full from a balance of $2,000 down to "0". However, since the final pay-off payment about 3 or 4 months ago this company makes up an arbitrary late fee of $14, then sends me a bill the next month for $14 plus the $29 or whatever the hell the late penalty fee is. All of their claims are scurulous with the total intention of defrauding ex-cardmembers. I will be contacting the Nebraska State attorney general's office as well as every other consumer action group to hang these guys by their n*ts!

I went thru bankruptcy and received a card offer from them. I paid faithfully then they started saying they did not recive payments so I went to the post office and did express mail and they were signed for and they said that did not count for next day delivery. Then they closed the account with no explanation no refund of the yearly membership (this is fraud) and then sold my information to someone else with no notice now I do not even get a statement and know whom to pay this past month. Yikes what is this? Maybe when they shut down terroist funding they were a part of it.

my husband had filed bankruptcy, received an offer for this card with $1,000 limit payed our monthly payments faithfully and we hit a hill which put us over our limit and the interest rates went sky high. we hit such a hill and the payments went astronomical and we could not pay them. we let it go into collection. 2 years later we have this rude long island supposed lawyer harrassing us that this company that bought the debt wants to sue us for $1100!! no communication althoug he said he sen 3 letters over 9 months. What a crock. telling us if we do not get the money he will call the local sheriff to supena him. wel beware people who are dealng with the same people we are that are in collections. if they have not sent you anything legal its a scare tactic. and from reading some of the reviews on this website most of us were screwed by this company one way or another. attorney genals office would be good advice for fighting this ompany that has already shut down. they maybe out of business but they still have people out there with a bill from thier company that can be fought. think about it. ever want to find out info. on what they are not supposd to do go on your cmputer to fair credit debt act.

Well - They closed my account a while back when they decided to get out of the credit card business. Until then - I had no problems. After filing Bankruptcy, they gave me a non-secured card with a decent interest rate. I pay my monthly bill electronically thru my bank. It's easier and I never make a late payment. Until now. Apparently, the company that took over the billing for FCNB changed the rules and instead of it only taking 5 business days for my epayment to reach them - it now takes 8 business days. I was just charged a 35.00 late fee. My bank researched it for me and said that this company now requests that my bank mail them a check instead of being electronically processed. Unfortunately, no one notified me to make a correction to when they draft my account. I was 2 days late. There isn't a phone number to call or talk to anyone. I sent a letter about 10 days ago - but I'm sure I'll not hear from anyone. Is there ANYTHING that can be done?????

It is evident from the numerous customer reviews that I have read, that this company is preying off of persons who have just gone through the trauma of bankruptcy by sending visa card offers immediately after persons file with the court. Since most bankruptcies are a bi-product of divorce or some family misfortune, people are easily lured into accepting the card and becoming trapped inside FCNB's revolving door of high-interest rates, late charges, and over-the-limit fees. In these difficult economic times, every company should offer some plan of payment that does not bury you when times get hard. It's a shame that this company was so methodically vicious in their relentless pursuit of fees. Their present status of being defunct is some consolation, even poetic justice; but how does one climb out of the proverbial hole with dignity?

When I was first issued my credit card my limit was $400.00. I have had this card for three years and because of the insane charges I can't get this card paid off. I've tried to get a hold of someone but you can't. I have paid these crazy charges in order to keep them from turning me in that I could have payed this card off four times. Why can't we get a hold of the company to talk to someone? How do we stop compananies like this from taking advantage of people?

I'm writing you in regards to FCNB. I do not recall getting a refund for the story at this address http://www.oregonlive.com/business/oregonian/index.ssf?/base/business/1059825996284050.xml Beaverton bank told to pay back card fees. Where did they get fined on top of this ? Around the same time this accrued, this same bank eliminated the grace period and for two months did not notify and they claimed it was on the back of the statement bill, but it wasn't. Then I got the call, it went over limit and late for two months and they used terrorist tactics to course me to accept that I had to pay this or it would be bad news for me. I'm going to talk to my low price lawyer about this. LOL When will we ever learn ?? Hope I pay them off, but I'm on SSDI and have been for the last 10 years. Please look into this story too. I'm glad FCNB went under they where crooks. But how many other banks are doing this and are going to? My credit doesn't amount to much as it is having disabilities. It takes too much to build it up and it takes crooks like this and misfortune to mess it all up. The banks can fine all they want and are inventing new sins to fine every day to make a profit. I've raise my kids to see how they operate. And our Government and tax dollars pay for this crap. Please continue to investigate this kind of story and look more into the devilish details of this banks dealing. If anyone thinks that this is all this bank did, they are sadly mistaken. can't believe the Government gives these guys the power to punish, but they don't get punished. I don't think just having to give the money back was enough. What about the bad marks people received on their credit reports ???? You can't turn those around. Who are all the people behind the curtain and are they held accountable as they have held the poor and weak and disabled accountable to a 2nd class or worse level, by there bad credit marks and credit reports??? Will the bankruptcy reflect on them and there credit reports ???? Will they suffer the stigma they have place on millions ? Yet they held power to judge and punish as they see fit and this Government allowed and still does allow it. This Government is not of the people or I guess it depends on what the definition of what people is ? Too the Government people must mean Special interest and big business/Cooperates and anyone with the Cash and Means. Fair banking practices ? Ask Wells Fargo too. But that's another nightmare. Thanks for your time

When I was first given the CC, my limit was $1500, I purchased a total of $1000. I had been making payments until I was being charged ridiculus late charges, very high interest daily rate, over the limit, to the point that I just couldn't keep up with it. I now owe them $2300 and all from the stupid fees that have been added to my account. I called to have them stopped so that I could continue to pay them but nothing all that did was make my monthly payment go from $50/permth to $480/permth. I just simply could not afford to pay anymore.

they have ripe me off charge u more than owe they went out business without give their customer telephone # WHERE CAN BE REACH SENDING U TO COLLECTION WHEN U NOT BEHIND THERE SHOULD BE LAW AGAINST THEM MESSING UP UR CREDIT MAKING FALSE STATEMENT

I paid 50 dollars for a membership fee and the company went under a month later. I also mailed my July payment 9 days before it was due and got charged 35 bucks for a late fee. You cannot contact anyone from this so called company. It looks like we have all been had by a slick bait and switch company.

I too like everyone else have mailed several payments in on time and still I receive these late fee charges. I have been trying to contact someone to pay off my account and I can not reach anyone by phone or internet. I am beginning to think they are doing something illegally. If I would have known what a hassel I would have had with them, I would never had opened the account. Thanks a lot FCNB for screwing up my credit!

They reported my fully paid account to the credit reporting agencies for six months as a chargeoff thereby damaging my credit. It took an attorney at my cost to fix that. Then a bank error caused a payment to be returned. No one at the bank could contact a soul there as they had shut down operations. They sent a letter anyway, but apparently there was no one to care about it. They blindly piled charges on top of charges and am trying to make me pay for it. Now they have turned me over to a collection agency. I'm suing the company and have attorneys working on it right now. But because of their bankruptcy protection, there's little I'll get out of it.. I wish I had never heard of them!

no way to get help to straighten out thier mistakes

I can't figure it out, I mailed July, 03 payment on 6/24/03. That nine days before the payment is due and I am charged a late fee. Normal I mail the payments three or four days prior to the due date and I don't get a late charge fee. I don't like being charged a late fee when I know the payment was mailed in amber time. The Bank is having problem and I don't want to be ripped off, Because my payment lays around several days before is processed and posted to my account. I would like an explanation and a phone number where I can talk to a person and not a recording.

I have always mailed my payments off early because I never trusted the U.S. Mail service to get them in on time. FCNB posted my check "after" the due date. I know they aren't trying to get late fees out of me. Are they that in debt and desperate? And then I found out the only form of communication with them is via writing. I am now about to mess my credit up over this company, and I am definitely not going to stay in debt with them by racking up late fees that shouldn't be there in the first place. This should be against the law!!!!

I opened my account about (2) years age, as of 2003 I do not receive my bills most months. I made a decision to pay the account off. I paid a large amount in March and had a remaining balance of less than $300.00. In May I was short on cash so I paid the minimun monthly payment of $10.00 due June 2nd. I maild the payment more than (2) weeks of the due date I assumed it would be ost to the account in a timely manner. When I received the following months bill I notice my payment post to the account on June 3rd of $10.00 and a $35.00 late fee charged on June 2nd. Unforunately I can not reach this company by phone all correspondence should be in writing. So I wrote them and wrote them to no avail, no response. My July payment was was due Julyt 3rd. I mailed the payment on June 24th to pay them in full minus the $35.00 pervious late fee. The check was credit to my account on July 7th and anothe $35.00 late fee. I now owe FCNB $75.00 in late fees. I had yet to hear a response from this company. I ndon't understand why there is a dely in posting the payments. this has been a very frustrating experience for me, my goal was to pay the account off , but FCNB is preventing me from doing so, by continuing to charge me late fee. FCNB Stop the insanity, and treat customers with diginity and respect. Why is there no on available to take phone call? I will never purchase from Spiegel Eddie Baurer again. I I had Spiegel charge for over 20 years. To hell with FCNB. poste on

USE THE PROPER PLATFORM TO STATE YOUR CONCERNS! CONTACT THE FOLLOWING : Office of the Comptroller of the Currency Regulates banks with "national" in the name or "N.A." after the name: Office of the Ombudsman Customer Assistance Group 1301 McKinney Street, Suite 3710 Houston, TX 77010 800-613-6743 toll-free www.occ.treas.gov Federal Trade Commission Regulates other credit card and debit card issuers: Consumer Response Center 600 Pennsylvania Avenue, NW Washington, DC 20580 877-FTC-HELP (382-4357) toll-free www.ftc.gov

FCNB closed in March 2003, and since have not sent statements to me. I cannot get through to them via phone or internet. Yet I know they continue to bill for late fees, etc. It should be considered fraud and consumers should not have to tolerate it. They are trapping consumers by hoping they will forget to pay their bills if they don't receive a monthly notice then charge late fees, overlimit fees, insurance fees, etc. when they aren't even able to be contacted. I've reported it to the Better Business Bureau.

I have paperwork showing my account closed in April of 2000. In December 2002, I get a summons from the court naming me in a lawsuit to extort money from me. It was from a supposedly charged off debt that was paid after 3 years of controversy with this charge card that I'd had since 1992. Midland should have saved their money - even though they only pay 3 cents on the dollar. FCNB has yet to get anything right!!! This is a pathetic company and I think they must hire the mentally challenged to run the company.

Increased my credit limt and renewed my card.............charged me 40, then said they decided I can't use it any more. There just shady and underhanded.

I liked FCNB I really never had any problem with them and was quite shocked when my card got cancled.

I've seen a few posts about people who have sent in money and not received a card. I would double check where you sent your money, and who you wrote it out to, because I doubt it was FCNB (check your spelling). FCNB hasn't offered new visa or mastercards in quite some time, especially one where you had to send in money. FCNB has NEVER had a processing or application fee. The only two fees they've ever had is either a security deposit for the secured cards, or an annual fee which was billed to the card. If you've received a an offer in the mail requesting $, and there is no contact info, then let the buyer beware. This was something that is not affiliated with FCNB. In fact, FCNB has closed all of its cards and is going out of business.

i paid $49.00 on 2/28/03 and as of today i have not received a card. i am fixing to hire an attorney to help me regain my money and incure charges against the bank for attoney fees because if you had done your part i would not be having to hire an attorney to sue. if anyone has a phone number to reach these people please post it because i cannot find one however i guess an attorney will be able to find the company or person getting and cashing our checks...

I sent in my $45.00 2/25/03 and they have already cashed my check and I still have no card. I thought I was getting a great deal, I wish I would have looked up this web site before I sent in my money.

For those of us who are affected by the OCCs determination... Here is a direct link to the facts: http://www.occ.treas.gov/ftp/eas/ea2002%2D40.pdf Either cut and paste or click on it for access.

This has got to be the worst card on the market. I feel like I'm being ripped off while simply trying to re-establish my credit. I've had this card for almost 2 years and have never received a credit increase. I have never been late on my payments. I look forward to closing this account.

I have had my FCNB VISA charge card since 1999, have NEVER been late and have consistently paid more than the minimum due each month. My limit has been approx. $3400.00, and I paid this amount off in full, then ran the balance back up again to nearly $3,400.00. Now they have taken away the VISA and MasterCard cards, so I am left with an 19.8% interest rate and absolutely NO credit card privileges! I resent the fact that I have been an excellent customer/card holder for them, but am being penalized for their inability to handle their own finances! This is wrong, that I am no longer getting the services that I expect from them, yet am expected to continue to pay 19.5% interest on my card balance. I firmly believe this must be against the law, and I intend to inquire with an attorney as to what my legal rights are. I held up my end of our agreement. Their lack of concern for their customers in good standing is also reflected by the 'little post card' recently sent (just five days before cards were cancelled) to customers regarding the demise of their VISA and MasterCard charge priviedges. Then, when I called the customer service #, my questions were fielded by a representative reading a 'company script', which means I certainly did not get answers to my questions (a script!). How cowardly of their bank! I am so glad that I did not use my Speigel card (with a $3,500.00 limit), and allowed the card to expire. Surely, their entire company will be out of business before the year is out, pushing the unemployment numbers up, up up! So sad!

FCNB's lack of concern for long term customers is appalling! I received a Notice of Visa/Mastercard Cancellation post-card while on vacation! It's fortunate I didn't try to use the card, I would have been greatly embarrassed.

good customer service i just got my letter today stating fcnb was closing all visa and mastercard accounts.After fully reading the letter i went to my account agreement to see if it said they could close my account. which it was right there, all credit card companys have it in there account agreement, if half of all you quit b******** for a little bit and read its right there. also in there if you people can read it explains all the fees. also in the account agreement it says they can close the account without notice, but they sent notice.so anyways i decided to call fcnb got through a little bit of a wait because all you stupied people are calling and b********. also you cant file a class action law suit against fcnb because in the account agreement you agreed to arbiration/that means no law suit dum***. when speaking to the lovely rep they explain that no they are not going out of business they are not going to be a national bank but they well still service speigal group (eddie bauer, newport new, and speigal) credit cards. so where you got that it just a little made up dont you think. also you think because your account is being closed that you shouldnt have to pay the fees that are in your legally binding contract. proves how smart you are. and for you people that like to make up things. get a life. It has been a real pleasure dealing with fcnb. and i will be apply for a eddie bauer credit card so i can continue.

I got a notice from First Consumers National Bank, P O Box 55143, Portland OR 97238. According to this "bank" I have an outstanding balance. I don't have a balance on any card. But this doesn't name the card. There is no number to call. When I called information, this bank is not listed. Looked it up on the internet. Called their office in Beaverton OR, no such listing. This WILL be reported to the local Better Business Bureau and to AOL. Also, when I find out where this anonymous mess came from and find out what card(s) are concerned, they'll be cut up. I don't play not paying bills! How dare they send me a threatening notice and don't even let me know how to respond. Their info on the internet is fake!

Watch out for an annual fee charge from FCNB after they stopped honoring all Visa & MasterCharge charges on 3/7/2003. My statement and the termination notice came days within each other. my statement said my next statement will contain a charge for the annual fee.

I would like to know, seeing how you are canceling all of your credit cards, but yet still sending out monthly bills, is the interest on what is owed going to stop? If you are canceling due to mismanagement, why should we continue paying the interest.

While their customer service lines are busy, the line to report your card lost or stolen will get you a person. Get the phone number from their website. I reported my card lost yesterday and they closed my account and are taking my security deposit from my remaining balance. I just paid a $39.00 annual fee last month. This really bites. We need to start a class action lawsuit.

I recieved my notice today of termanation, via post card. I tried the 800 number and it was always busy. I accessed their site and accidentally got hold of another 888 number. I called and was immediately answered. I asked my question, "what is going on with this cancellation?" and was told that an "agreement with the regulators required immediate cancellation of all Master Card accounts". I asked why and was told "no comment". The fellow I spoke to said it had nothing to do with the way we used or paid our account. That, at least, was a releif. I was having thoughts that maybe someone had accessed our account and charged over the limit or some other horrible thing. I guess FCNB can't extend credit to us if they are having credit problems of their own.

Wow! We received our notice that this Bank will no longer honor its credit cards effective March 7, 2003. The notice was received today, March 4, 2003. Nice going guys! We really appreciate the advanced warning so we could prepare for the loss of the credit card which we have paid faithfully and regularly every month for almost 5 years now.

I have never been so disgusted with a credit card company in my life.I have been trying to reach them for two days now and have gotten nothing but busy signals.So I did alittle research on the sorry a** company and came up with a street address fax and telephone number for them :F.C.N.B,9300 S.W.Gemini Drive,Beaverton,Oregon,97008. The telephone number is (503)520-8200. The fax number is (503)526-8868.I hope this info helps someone out there to contact these CROOKS and find out what is going on.There office hours are 8A.M. to 5P.M. pacific time monday through friday.I found this info to late to callthem tonight but will be contacting them tommorrow.

I came home tonight from work to find that my credit card with FCNB will be be cancelled in three days. No explanation of why, just pay the balance. But what about the deposit that was put down. It is not a lot, but in this time it is. My balance was paid in full every month and now I have to go looking for another card. How can a bank give such short notice.

I thought I was the only one. I received a cancellation in the mail today. I thought at first I had done some thing wrong, but I had just recently reported these thiefs to the attorney generals office here. I though maybe they cancelled me for that. I have had have nothing but trouble with this company, they are rude. The last straw was in December when the posted their annual fee, this put me over the limit and they charged me $35, then they turned around three days later and charged me another $35(cycle date which is different from due date) I paid over the amount needed to get the card out of the limit prob and then they charged me again because it came to $.01 over. Please. They would refund anything and so I made a complaint. Now I want my annual fee returned, deposit, etc. I wish I had know sooner so I would have balanced transfered.

This company is a rip off. I sent in my $49.00 for the promised credit card and have nothing to show for it. I even paid the extra money for express service. Some express! That was nearly six weeks ago and I have not heard one thing from them. They cashed my check within four days after I sent it. I have just filed a complaint against them with the Florida Attorney General's Office. Try Capital One and don't waste your time or your money on these guys.

I have had a mastercard from FCNB since 2000. I never really had any problems with them until recently. I made one late payment last month and got hit with a $35 late fee. In turn, the late fee put me over my $350 credit limit so I was hit with another $35 over the limit fee, which they refused to waive. They then turned the account over to Alliance collection agency, which I didn't find out until I got the notice for $533. I called Alliance to find out why there was a discrepancy in my statement and the amount they were trying to collect from me. They were able to send out the collection notice with a reference number but couldn't even find my name in their system. When they couldn't find my name, they asked for my credit card number and my social security number - both of which I refused to give. I finally reached someone at FCNB to aske them why my account was turned over to collections after they had already received my payment. They put me on hold and gave me a bunch of malarchy. I paid the card down to $100 and went to buy my husband a birthday gift. I sat in my car and called the 800 number from my cell phone, but I got a busy signal. I didn't think anything of it. I just figured it was my cell phone. When I got to the store and tried to use my card today, "my account was unavailable." That pissed me off seeing as how I had paid to bring the account back into good standing. When I got home tonight and looked at my mail, I received a notice about the termination of my card - with no reason or excuse. I decided to call the 800 number and the line was busy. That pissed me off again so I got online to check my account and came across these reviews. I'm glad to see that I am not the only disgruntled consumer FCNB has left in the shadow of their fraud. Now, all I want is my security deposit back or applied to the remaining balance on my card, but I can't reach anyone by phone to handle it. I am putting my request in writing and forwarding copies of it to the appropriate authorities. With the card being cancelled in 3 days, I hope someone can help me get justice. TO ANY CONSUMERS LOOKING FOR A CREDIT CARD, THOROUGHLY RESEARCH THE BANK / COMPANY BEFORE APPLYING AND FOR THOSE WHO HAVE ALSO BEEN HAD BY FCNB, GET A COPY OF YOUR CREDIT REPORT AND CHECK IT AND REPORT THEM TO THE BETTER BUSINESS BUREAU AND ANY CONSUMER REPORTING AGENCY. FCNB STANDS FOR FRADULENT CHEATERS NOW BUSTED!

I found out that I no longer have a credit card when I got home from work. There was my post card. I tried calling for hours but the line is busy. At first when I got the card I thought it was something I had done wrong. The only wrong this I did was going with this card two years ago. Back then I thought it was wonderful. I had the worst credit and was trying to build it back up. How could they do this to us. And what about the security deposit I put down. I guess I can kiss that good bye. I am now cardless. Which is ok. But you should have at least one for emergencies and there are somethings that you do need a major card for. Some places don't accept check cashing Visa's. I hope that this doesn't affect my credit in a bad way.

Just a note and word of warning to anyone who has a First Consumers National Bank credit card. They are cancelling ALL credit card accounts as of March 7,2003.What is worse is that the only way I found out about it was checking my account status on there web site. I usually rely on their automated phone system to check my account status but today I just happened to be on the internet already so I decided to check it out. What happened next amazed me.After I logged in I got the pop up notice that they were cancelling all their credit card accounts as of March 7, 2003.Anyone who has internet access to their fcnb account please check it out to see for yourself.There is a nice little note of explanation from them.To any secured card account holders out there I would suggest you close your account and get your security deposit back or use it to pay down your balance before March 7.There is no telling how long it will take to get it back after March 7.

OCC website: http://www.occ.treas.gov/FTP/EAs/ea2002-40.pdf Appears this started May, 2002. I am not able to determine exactly what they have done wrong, other than what they have done to us. I have contacted the OCC. I want verification as to whom gets card payments. I do not want to send it to FCNB just because they say so.

FCNB has totally mismanaged its accounts and its relationship with parent company, Spiegel Group. As a result, the consumer gets stuck without a credit card. I realize the federal government is responsible, but given the fact that FCNB had ample time to get its house in order and sell itself off to a reliable bank, I blame poor management and policies for the ultimate demise. I think we will see the rest of Spiegel go under very shorty.

I received a FCNB secured credit card last year with a $200 deposit and was given a $800.00 credit limit. I paid all payments in full or when my balance went beyond $400 (I used during vacation), I had always paid more than the minimum and never less than $100/month. I just found out that FCNB was rejecting my current purchases and when I went online, the message that I received was that they were terminating my credit card. I never received any notification of the termination or their actions to discontinue approvals. Now I have to figure out which items were purchased during that time and to settle with the merchandising companies. It has been an inconvenience and I feel like one of those abandon lovers with no explanation. Was told that they can terminate my account without having to tell me reason why? My only question is why and if this will effect my credit standing. Don't apply for this card. I just pray that I'll get my $200 deposit without a fight.

I recieved a letter statting I was approved not a "maybe" foe a 5,000.oo limit. I wish I would have looked this company up first and saved my money. They are truly nothing more than crooks! They cashed my check, and I never recieved a card, it has been well over a month. I cannot even find a phone number for them. After reading about them I guess it would do no good. I am going to report this company to the I.B.C. and see if something can be done. It may be to late for me, but please don't let these crooks take your hard earned money!!!

CONSUMER FIRST BANK (TAMPA, FL) IS NOT PART OF FIRST CONSUMER NATIONAL BANK (PORTLAND, OR) TWO DIFFERENT INSTITUTIONS!! CONSUMER FIRST DOES NOT ISSUE VISA/MASTERCARDS..THOUGH THEY IMPLY BY STATING YOU HAVE BEEN APPROVED FOR $5000 PLATINUM CARD. THEIR CARD CAN ONLY BE USED THROUGH THEIR CATALOGS, ETC. DON'T BE FOOLED OR MISLED!

My ex wife got this card and signed me up. It has a 450.00 limit and a 100.00 security deposit . I did not even know that the card existed until it came up on a credit report. original balance was 100.00 . with late fees and over limit fees it was at 610.00 . how is this possible when the card has a limit of 450.00 . any way I called and started paying the card on time and even payed lump sums to get the balance down . I asked for some of the 450.00 worth of fees to be waived and was denied because of last 6 months of activity . I did not even know I had the card . I wrote them like I was instructed and still did not recieve any help . I asked for the original contract so I could see if i even signed for the card but they were unable to give me that information. Barbara id #6al told me that they declined to waive 60.00 of the 450.00 late fees and over limit fees and that they would not remove the delinquent marks off of my credit even though I am now current and paying the amount . These people are rude , they will not help me out. they informed me I should prosecute my ex-wife. All of the other credit card companies have been more than willing to help out . All of them would not waive all of the late fees but anything will help. Do not get yourself mixed up with first consumer national bank. get a credit card from a local credit union and they will work with you . If this amount was more I would sue to get credit repair and amount removed but I am stuck with it like a lot of people you will read about . Run while you can .

I recived the same letter so many others received.I wanted another credit card at that time and it sounded good, so I sent in a membership fee. Have not heard from them. How can they get away with using the system for fraud. I never received a card, but they cashed my check of $45.00.

I received a serious blow to my financial standing through no fault of my own and wrote FCNB, asking for their cooperation until I was back on my feet. a month later they sent me an unsigned form letter directing me to a credit counselling agency which I contacted and contracted with. FCNB held up the payment program by demanding one dollar more than the offer. Since then, they accept the payments but continue to charge me $70 per month in late and overlimit fees, plus 22% interest. My payment is $77 per month, you do the math. I have written them to no avail.

Card rate is high, I'd like to see them lower it for good payment history....

Last week I spoke to a Mr Bascom in the customer service department. This man was so rude to me on the phone. He wouldnt let me speak and demanded that I pay off the Card. I told him that I was out of a job and he told me to ask one of my family members for some money. What kind of question is that? He had no right to tell me to ask a family member for money. After that I just hung up. FCNB's customer service sucks.

i recieved the letter just like everyone else, with them promising a platinum card with a 5000.00 credit line.i was about to send in my membership fee then decided to look them up on the internet first.boy am i glad i did i have found so much negetive feedback i wouldnt send my worst enemy to them.the nerve of them out there trying to rip people off when people work so hard for their money.i recamend no one send for this card. if you get these offers check them out real carfull first

IS CREID CARD CO. LIES TO YOU TO SIGN UP AND THEN THEY TELL YOU SOMETHING ELSE WHEN YOU CALL THEM

I recieved an offer from "Consumer First" for a credit card that is "not a MAYBE" and "already reserved for my name". With a $5,000 credit line, and just "one time membership fee" of $45. So, I'm supposed to sigh the agreement, send the fee and then I "will recieve the card and terms and conditions". And remarkable thing, there is no phone number anywhere! So, people, be careful, especially when you are desperate for good changes in your life!

I am so glad to find your web site. I too was sent the bogus letter. The name reversal was a tip off, and of coarse as so many write--no return address or phone no.--hummm? And they want you to send in the fee before disclosing the terms ?--yeahhh right !!! And the one key word in the application was "membership"--I knew right away it was a scam. My thoughts were confirmed when reading the reports of the cataloge that you receive to order merchandise. And 0% APR.--another "yeahhh right !!! I'll consider this card when 3 wise men again return from the east. Run from this card--burn the application---better yet, call a preist and have an exorcism done on the application.

I receieved a guaranteed $5,000 credit limit by mail but the company listed their name backwards, they cliamed to be Consumer First National Bank. I would have sent in, but I noticed that there were no phone numbers anywhere and no REAL address listed on the letter. I thought I would go online and check this out as I don't need any additional scams to damage my credit any worse than it already might be. I was amazed at all the informative description about what the letter looked like and so called promised. What a shame that a company would have to go as so low to scam the working poor. Thanks to all that have posted their frustrations and thoughts, I will not be sending in my acceptance letter. I GUESS IT GOES WITHOUT SAYING> IF IT'S TOO GOOD TO BE TRUE IT PROBABLY IS!!

I attempted to cancel the card because of an $80 annual fee on a card with only a $300 limit. I was told on the phone that the card was cancelled and to cut it up, which I did. But the next statement had the $80 fee plus interset and late fees. I called to get the account corrected, but was told I needed to request the change in writing which I have done three time by certified mail. Yet each month I get another statement with the annual fee new interest and new late charges. Now I have collection agencies calling me anf a negative report on my credit history. And after 8 months I can not get the issue resolved.

I have had a First Consumer Visa card for about a year and have been basically unsatisfied with the service. My main problem is missing invoices resulting in me paying late or not at all and having late fees and over the limit fees imposed. I recently moved, and although I provided my new address, still several invoices were lost due to them having the incorrect mailing address. I incurred over $100 in fees as a result. I wrote and informed them of this problem and they readily removed the fees, but now I find the same thing happening again!...I am not receiving my invoices, thus fees are being imposed! I have over 12 active Visa and MC accounts, I pay them all in a timely manner, this is the only one in which I have a problem! Also, First Consumer has a weired cash advance policy. It seems that you need to have a certain amount of money available on your account, before you can take out any of it in cash advance...none of my other credit cards have this policy. I am very unhappy with First Consumer.

I have yet to receive a credit card from this company it has been about a month. It was supposed to be a 5,000 credit limit and I have yet to recive anything, though they did readily cash the check I sent them within a week.

I got an offer a month after my bankruptcy was filed for a 500 dollar credit card, no up front fees. I accepted and haven't had a problem since. I haven't received an increase in 2 years, but I don't really care because they were the first to offer me credit after filing.

I sent over $700.00 for a $300.00 limit credit that I had canceled and they are still trying to take money from me. It's a shame I have to buy money and pay more money to not use it again. I'm seeking a way to get rid of this kind of service. I hope the CEO sees these complaints and try and correct it. I have already started a petition to try and stop this company from continuing to take advantage of hard working people who try and have something with fair actions of business. I'm going to contact them again and again and again until they understand what is being effect here, the consumer.

My husband and I both have seperate accounts with FCNB. I have make the same payments to each card monthly. My husband has received 2 credit limit increases and I have yet to see one. What is funny is I make the larger income for our household. I can only find one difference between my husband's credit history and my own and that is I am a woman.

I would just like to say I too closed out my account with this rip off company. I totally agree with everyone on here who, like myself was trying to rebuild credit. I really agree with Lana about that Mr. Sanchez. I filed Bankruptcy and a year later this was my first card .. after paying a 100.00 deposit.I had nothing but problems with there so called late fees which was all a bunch of crap. I worked in the Mortgage industry for many years and looked at lots of credit reports and FCNBs late fees were late according to them so they can take your money but they actuualy dont report a late for either 30 or 60 days, so technically it's not late as far as your credit report goes. I tried to have these people remove my late fees for .65 i was over, which they would not. I told them to use the 100.00 they made me pay up front. They did that and my payment was 1 day late (according to them) I sent the payment 3 days prior so i got charged again. Whazt a bunch of crap! I closed out my account. I have a target card which occassionally is over by 1 dollar and never get charged. If anyone is looking for a good company try applying for a capital one or a household . these people are full of it.

I asked for a detailed report of my charges early in the year. I paid my bill unwillingly after not receiving my report. I canceled my card because of this problem 3 months latter and then received a report and was charged $45.oo for this service which I did not want. I sent a protest letter and talked to an employee on the phone after waiting 20 minutes on the phone. NO ACTION. received a $35 late fee and before I could pay that I received another $35 late fee. No more First Consumers for me.

I applied for the card on Dec. 19th. The processing fee was immediately cashed and I have yet to see a card almost a month later. I appreciate all of the honest reviews. They have aided me in my decision to call and cancel the card before they send it.

I'm glad i checked this card out before I sent in my $45. The only good review seem to be from the employees, with one all of them saying the same thing. That we should follow the 'Agreement ' as part of bewing issued the card. That we should read our agreement and see that it's all written down. The thing they seem to forget is that all we get is a letter saying we are approved. No details are sent. No address or phone no. It says membership details will be sent along with the card. well by then you've agreed to terms we didn't know about. So quit saying what you are trained to say and just admit that this is a bad card.

I spoke with a Mr. Sanchez, supposedly a supervisor, he was rude and would not listen what I was saying and hung the phone up while I was still talking. He has no sense of customer service. He obviously has no regard for the customer and has forgotten that without the cardholders...he would have no job with FCNB.

Of all customer service in a wide variety of businesses with whom I have associated, FCNB ranks as the worst. There is a gross lack of POS training, multiple-use policy, and an overall goal of placing extra fees on the account. I personally closed out my account that had been rated as excellent. Unfortunately, I can not place that rating on this company. For those who are attempting to rebuild a credit history, stay far away from First Consumer National Bank credit cards.

Hi, to start off this is unreal crap I've been reading. I can't believe that there still in business. That's why they send a letter to me because they know I'm poor, but that doesn't make me stupid. I didn't sign or send out for this card before I checked out the company thank GOD I did. It's true what someone else wrote that there is no agreement or phone# on the letter they want you to send it out with money before you read anything. i tried to seen you a copy of my letter but it wouldn't take it. So please read between the line 5,000 credit for nothing mean I got you sucker. I guess I'll never get a chance to have credit but at least I wouldn't be broke from them screwing me and not kissing me first... Take Care all that didn't get warned first I wish you the best of luck in getting help against they dogs...

how can A card that So many people have complaned about the late fees It is obovious this is not an issolated incident Stay in business. & I think after all thoes bad reviews they get a employee that makes a whopin $5.15 an hour & probly never even has a hope of ever getting a card to post A good review. Did you at least get a bonus to lie about a card Saying how great is is or do you just Pocket Part of the "Late Fees" My Attorney will be checking it to this Fraud This Company is commiting Hope with all the late fees you are charging you Have a good legal dept.

I TRIED TO PAY OFF MY CARD OVER THE PHONE AND THE MAN TOLD ME THAT IF I DID I WOULD DESTROY MY CREDIT. I SENT THEM A PAYMENT TO PAY IT OFF AND SINCE IT DIDN'T GET TO THE RIGHT PERSON IN TIME I WAS CHARGED A LATE FEE. I CAN NOT GET THIS RESOLVED AND THEY KEEP TACKING ON THESE LATE FEES AND I WILL NOT PAY THEM. THEY ARE A RIP OFF AND THEY SHOULD BE INVESTIGATED BY THE BETTER BUSINESS BUREAU.

I have worked at FCNB for almost 3 years in various departments including customer service, credit, instant credit, payment processing and collections. The problem that I see with why people do not like FCNB it that they fail to read the terms and agreements fully. Reading this before ever applying would save you AND us a heck of a headache. The "fees" box on every application(by law) explains each fee and the amount. Simply reading this explains the annual fee and when it will be assessed, how and when and how much the over the limit fee is and will be assesed, and how the late fees will be assessed and what the apr and penalty apr is. But please remember that by law we process the payment for the day it was recieved at the bank if sent in the return envelope with the payment coupon. If you send it in your evelope without a coupon or to the general address as opposed to the payment address, we will process it within 5 buisness days. Usually we will backdate for the date recived. Western union, money gram and other payment option vary in time. Usually within 72 BUISNESS hours. Check by phone with customer service, albeit costs $8, should be given 3-5 buisness days to post. If you send your payments in 5 days before the due date(including weekends) and so the payment posts late, you have no one to blame but yourself. You could have sent that payment in 10 buis. days before the due date, done wu or mg or a phone check. If the payment due date is not convenient, the call the customer service and have it changed. But face it, the due date is the day that the payment is due. Not the day after or the day after that. We will charge a late fee. If you don't want a late fee, send your payment when you get the statement. And if you don't recieve your statements, call the comepany and verify address is correct and remember that your payments are always due around the same date each month, really!! If the account balance exceeds the credit line by even a penny, we will charge an over the the limit fee. Simple. You can call and get info about available credit from customer service, automated system or online. Gas stations. When you charge with a credit or debit card at a gas station, the hold placed on the card is NOT for purchase amount of gas, unless you actually only purchase $1 in gas. They only authorize $1 even you purchase $20 or more or less. So if you have $5 avail and you purchase $10 in gas, when that purchase is charged, an overlimit fee will be charged. A way to keep track is to write all cc purchases in a register(an bank can give you one). Or keep the balance about $100 or more away from your credit line. Payment amount. Making the minimum payment will keep the account current but does NOT show the ability to manage credit effectively. Good credit scores reflect an ability to manage checking, credit cards and income so that all needs are covered. Showing that you can make purchases and payments every month builds that. The best accounts I have ever seen is where the cardholder(s) charge and pay in full each month. Thereby on paying what they have charge with no interest. Credit cards are a great way to pay double for a $5 shirt if not paid in full right away. If just using a card card for monthly purchases of food, clothing etc, you should pay it in full when bill recived. If you dispute and item on your statement and there are other valid charges, you still need to pay on the valid purchases. Or you will get a late fee.

I have read on this site the many negative reviews for this card, but I have news for you: there isn't a credit card company in the United States that would have acted differently. If you are over limit or late with a payment, the company will charge you. That's the way the company earns money, and they're quite up front about it. I have never had a problem with this company to date. I've also never gone over my limit or paid late. I consistently receive credit line increases, and after having a Visa card for a few years, I was offered an Eddie Bauer charge and a Mastercard account. Be realistic: play by the rules or pay! Don't blame the lender when you refuse to be fair. Even $.05 can put you over limit and one day late is still late.

Having a card today is a must. So them giving you one while you improve you credit is great. Sadly after a year or longer of good payments and being on time they don't rewaqrd you.After that long the annual fee should be waived or interest rate lowered.

FCNB allowed me to use this card for a gasoline purchase, which went LESS than 5 dollars over limit. For that amount, they charged me $29. When I disputed it, they refused to take off the charge. To end the overcharging by this bank, I paid IN FULL every legitmate harge and all interest and yetthey continue to charge me overlimit and late fees to the tune of over $200. Do NOT use this bank - they will not even respond with a letter to a dispute. All I have received in almost a year of writing to them are form letters and harassing phone calls. I have written over 15 letters and never once recieved one answer!!

I am so glad that I looked up information on this company before applying for credit. Reading these stories sickens me. This company obviously is out for number one and is willing to prey on anyone who are needy for credit. It's a sad commentary when people, who have earned them business for years, are complaining. I am grateful and relieved to not have to put up with a business that-- true may be "legal" but on the other hand they seem to practice business unethically, leaving the borrower with little to no recourse or any real benefit. I truly hope that this company gets exposed for what they really are---THEIVES, and that the people involved with the class action lawsuit win. Good luck and thanks for the warning!

when i first got my letter of approval with 5000. and 0% for 12 monthes i couln't believe it. then after the excitment calmed down i started to check things out. i looked at the back of the paper to see what i would have to pay after 12 months there was no writing at all. my.....does that seem strange,and no phone # to call for questions. than i remembered i was told that florida allows the highest % in credit cards-30% and more.but the thing that stopped me dead in my tracks was a line that said on the paper they sent me "check one- 45.00 standard processing delivery or 49.00 RUSH processing and delivery and in little print "your request cannot be processed without your fee..........my daddy taught me alot about the world before i left home--one was theres alot of rotten people out there so use your brain and "you don't get anything for nothing. SO SORRY CONSUMER FIRST and thankyou god for watching over me.

I am an employee of FCNB and most of the people who complain about our cards are people who have filed for bankruptcy and don't have a clue about credit. Are statements are mailed by FDR, the day after closes or if a Sunday will mail on a Monday. 85% of people with our credit card expect fees to be credited whenever they want one removed. People don't understand the fees are part of the account agreement and if they use the card they agree to the account terms....

I regret the day I ever signed on the dotted line for this credit card. My payments are never posted prior to a "late fee" being incurred. Regardless of how far in advance of the due date. I have mailed payment, electronic online payment through my own bank account and even used there so called "pay by phone" system and still had a late fee posted on my statements. I have been in a constant battle with FCNB for the past 7 months to have the late fees removed to no avail. I call, write and email myself to death trying to get some type of assistance from FCNB. Each time I think "Well, maybe they will get it right this time", my statement comes in with another late fee with interest. I will never use this card again for any reason and tell anyone who receives a FCNB application or one of there special "pre-approved" offers, BURN IT!!!

I had 2 FCNB cards. One was paid of and closed by my busines manager. This card had been secured with a deposit. The payment had crossed their cutoff so the account just kept acculmating lates fees ect. They told me they would correct/credit the fees, close the account and refund my security deposit. After a few weeks I called and spoke to someone else and they said the account was corrected but never closed. Hence, my security deposit wasn't refunded since the account was open. She said she would close it and make sure my deposit was refunded. More weeks go by and no deposit. I call again and they said that all of this had been done a a check was issued on 10/1. More waiting and no check. I call again only to found out the check was sent to the wrong address, my manager. I essentialy have two seperate accounting systems - a manager that handles the majority of my fiances as well as my own personal finances. I had specifically and emphatically requested that check come to me. I didn't want to to go to the other address because I knew it would create a probelm and it did. I called customer service a number of times and was told that their wasn't anything they could do. Their solution would be to file a fraud charge against my manager and all kinds of other humilating suggestions. They made the mistake, one of many, and yet refused to send me the deposit. Basically its tough luck for me.

This bank's practices ae abhorrent and I am surprised that they are not under investigation or that a class action suit has not been initiated! They allow a charge that takes the balance $.40 overlimit and charge a $35 overlimit fee - the day AFTER the statements are printed and mailed - therefore your statement comes with a minimum payment required that when sent in does not take the account under limit and they charge an additional overlimit fee and it becomes a vicious cycle. Their customer service is rude and useless - they will not help you and talk in the most condesending manner. This bank should be fined and restricted from doing business - I wish I knew who to complain to.

This credit card company lied to me, I did not recieve a payment notice. Hence because I pay by payments due all my bills I send out about 15 checks per month for all my bills. They wern't paid my payment was only $36.00. Thier collections dept called me and said I had to pay $114.00 to bring my account current. That was the $36.00 plus the $78.00 added on fees. I ask them if this would bring it current they said yes and that they would forgive the other charges if I paid the full amout. I did then my next statement says now I owe $96.00 that's $36.00 plus another $60.00 add on fees If I don't pay this amount next month they will acess me another round of $60.00 + add on fees. Thats $138.00 of add on charges. I have been with this credit card company for over 2 years with no late payment history. I have always paid them at least the minimum payment and on time. They refuse to do anything about it dispite repeated calls even talking to a supervisor. This is a very vicious company that makes it's members pay heavly for thier own mistakes.This is a financially dangerous company to do business with. That promises to correct the problem only if you send in the demanded amount then charges you excess fees all over again. Warning do not apply for this card. I have 5 other credit cards and none are like this. The rest are reputable companies that will work with you to correct mistakes

Okay from what I know about FCNB is that they have there positive and negative sides. On the positive is that they provide credit cards for high risk customers to try and build there credit. I have read all the other complaints about FCNB and I cant disagree with all of them however, I do believe that most of them have been ruled by emotions and not looked at from an objective veiw point. FCNB does not mail out there statements late, there are other factors involved, the mail system, does not run as smooth as most people would like to believe. Late fees and overlimit fees, if you dont want a late fee, pay your bill on time, you DO NOT have to wait for your statement to pay the minimum balance. If your landlord didnt come to you every month to tell you rent was due, would you still pay it? Yes, b/c it is an amnt that is due on a monthly basis same as your FCNB bill. Over the limit fees, keep track of your balance it is not FCNB's job to alert you everytime your about to go over, take some responsibility for your personal finances. FCNB states the terms of use for every customer, if you were not clear on the fee's applicable to your credit card you should not have signed up for it. If you didnt think that you could manage money you should not have singed up for it. And if your life is consumed by complaining b/c of personal failure you should not have set yourself up for the oppurtunity to fail. Its that simple. Getting a credit card is not free money, you do have to pay it back and b/c of personal failure you should not blame others, blame yourself.

This company is despicable. They mail statements late - with the hope that your payment will be late and they can charge you a fee. They mishandle any inquiries or disputes with the same purpose in mind - and they are dishonest and despicable.

My girlfriend had (has) an account with these criminals. I saw that she was up for an annual fee on a card with 20+% interest and a $1k limit. Told her to cancel and I would give her an Amex (real) card. Thats where the fun started. Took 3 months to cancel, then I paid all except a late fee that was bogus, and started with the letters to contest, etc. Now 4 more late fees and no satisfaction. These people don't want to resolve issues. They have a pattern of sending out statements late, posting payments slowly, applying fees aggressively. They are running a criminal enterprise in my opinion - and there really needs to be a class action to get to the bottom of it. I understand they are dealing with sub-prime credit risks - but that does not give them the right to be unfair and unethical. The bad news is I just found out that they issue the Eddie Bauer card she has - now I have to pay that off as well!

I called to find out my wife's balance in June and I paid what they said, the balance would be 0 but there was a late fee added, after paying the amount requested. So they charged her a late fee, we didnt know there was a late fee added, and the next month the charged a late fee for the late fee, and so on. My wife has since paid more than 20 dollars over the quoted payoff and they are still trying to charge her a late fee. I am seeking counsel regarding this practice.

THANK YOU SO MUCH REVIEWERS!! I'm a college student and got their solicitation in the mail today. Since I am currently unemployed, I was suspicious when they sent me a guarenteed aproval for an unsecured card with a $5,000 limit. I did a search to try to find more info on the company and found this site. Now I'll definitely never get this card. Thanks again to everyone except the FCNB employees posing as customers to try and raise it's rating.

You gave the chance when no other financial institution would even look at me. I was able to re-establish my credit and I am buying my second home because you company believed in me. I have told many people about your card and the business that I am will soon be using one. Thank you very much you really have done me a great service.

I would NOT recommend this card to anyone. I found it odd that they were able to process a payment within the hour when it was officially late. (after you get socked with the 35 dollar late charge) but you were unable to call in the day of of or even the day before to make a telephone payment. Obviously they are trying in the worst possible way to wring every fee they can out of you. I am going to pay my card off and then cancel.

FCNB is almost impossible to reach on the phone. I have been trying to call for 3 days. I have been on the phone for the last HOUR waiting for customer service to answer the phone. I was $30 under my credit limit and the company chaged me $70 in late and over the limit fees (which I was NEITHER) plus $5 finance fee. The previous balance clearly shows I was under my credit limit and shows I did not make any purchases, but yet I'm charged $80 in fees!

I have experienced the extrerme displeasure of having an access check bounced by First Consumers because of their cash access policy. In my case, I used one of their cash access checks and they bounced the check because it exceeded their cash access limit by $32.00 even though I still had more than $2000 available on my total limit. I consider a credit card a loan from the bank, not a checking account that they have the liberty to bounce because you exceed the cash access limit even though you don't exceed your total limit. I am very angry that they did this to me and I can tell the audience without a doubt that there are much better cards that do not play this game with their customers.

I love this card because its helping me build my credit status. I can't believe all the dumbasses on here complaining! I send my payment at least a week in advance and have had no problems! If you don't want late fees, don't send your payment in late. If you don't like overlimit fees, then don't go over your limit! Its that simple. FCNB aren't babysitters....if you have the annual fee that you agreed to coming up, then make sure you have available credit for it, duh!! Just use common sense. If you think you might not be able to make a payment on a timely basis, then what the hell are you doing using the card?

I called one day before my bill was due to make a phone payment. They informed me the payment would not be posted for 5 days. I then asked them how I could pay on time and they suggested an electronic wire transfer. I called my bank to arrange the transfer. The customer service reps. couldn't give me the information the bank needed to complete the transfer so my bank called them directly. They told the bank that even though the wire tranfer would arrive the day the payment was due it wouldn't be posted until the day after, when one of their employees processed it. My bank had never heard of such a thing and recommended I cancel my credit card. When I called to voice my disappointment and cancel my credit card the rep. laughed at me and then hung up. I am going to try to join a class action lawsuit.

charge fees on fee. Narrowed minded business practies. would rather charge a fee then raise limit. cannot talk to customer service if there is a over limit status on your account. collectors trained like monkeys their answer and deal or talk to no one else

I opened this account - at their invitation - after filing bankruptcy. I never really used it much. Then I noticed I had some unauthorized charges - some credit reporting fee, an annual fee and an overlimit fee. I got the credit reporting fee taken off, and then told them to cancel the car as I didn't want to pay the annual fee - which is for the period of June 02/03. So once that came off, then there would be no reason for the overlimit fee. I think their brainwashed into saying NO. They don't respond. They told me that I authorized the annual fee in the initial agreement, but if you want to cancel the card - why should I have to pay for it. BEWARE - Go to another outfit, like Providian. At least they have some brains.

FCNB solicited me to take out credit insurance. I did. Then I needed to file a claim and it has been like pulling teeth to get then to provide the insurance company with the information they have requested to complete the claim. I am ready to request a rebate of the premiums I have paid out because they have been so lousy in bringing this to a close. Sorry but these are the types of situations where the rubber meets the road and where evaluating a company counts - customer service or lack thereof!

I was hospitalized with cancer and called the company to let them know I would be late on payments. They turned me over to a collection agency who is rude, harassing and won't let up! I am trying to contact the credit card company direct and they just tell me, call the collection agency! They are the worst credit card company I have ever dealt with!

your customer service that I have talked to are rude.They make me want to cancel my card because I dont want to deal with them.

I try to keep up with my creditors...because of divorce, I was forced to file bankruptcy. FCNB was EAGER (i should've known that was a warning) to offer me a post-bankruptcy card. Because I wanted to re-establish good credit, I got the card. Everything was fine until one day my payment arrived one day late. I understand that I am to get my payments in on time, but the customer "service" reps were AWFUL!! They must be trained to be asses. My late payment fee made me go overlimit, of which I was not notified until AFTER the next billing cycle began. So now I had a late fee on my overlimit fee which was caused by the first late fee. THe good part is-none of this has affected my credit report. The bad news is, they are capitalist pigs who show no mercy to anyone, for any reason. Their customer reps are awful, terrible, and horrible, and I cannot wait to pay off this card and close out this account.

Getting a credit card from this bank is the worst experience I have had with any other business, bank, etc. Even MCI which is also in the rude, no customer, illegal charges business is better than this scam. I closed my account on Easter Sunday. Why? Because a customer service representative claimed my account was over the limit and I need to give a check over the phone asap. I explained I had not recieved the bill yet! He still wanted money. I refused. I gave some thought again and decided to phone back to close my account. After waiting an hour, someone answered and hung up on me when I told him I was closing the account. I phoned back again, waited another hour and finally was able to close the account with an extremely rude, belittling rep. I was then charged a membership fee the following month. I wrote that I had closed the account on Easter Sunday. They then charged me the following month AGAIN!! However, they gave me a credit for the second month. This $49.00 membership fee put me over the limit. Of course they charged me an overlimit fee again. Plus, every single month I am charged a late fee. Even though my payment is not late!! I have written 4letters, phoned about 6 times to no avail. Today I waited almost 2hours for a no customer service rep to pick up. I told her I wanted my $49 back and she hung up on me. Just as they always do. They are Rude. Arrogant. Condescending. I have now written to the Better Business Bureau. I am so upset with this whole matter. I cannot imagine how sorry someone has to be to take a job there. The reps surely could never work any where else. DO NOT GET THIS CARD AND SPREAD THE WORD.

Beware of this company. I first got my card in July of last year. I have paid more in misc. charges that they have put on my card than purchases I have made. In the month of May my balance was 285.00 and my credit line was $300. I mailed my payment of $10 on time on May 1. They say they never received my payment until May 21. On May 13, when my payment was due, and since they say they had not received my payment, they charged me a $35 late fee which put me over my credit limit. They also charged me a $35 overlimit fee. Three days later, on May 16, they charged me another $35 overlimit charge because they said that is when their statements are printed and that they had not yet received my payment. So, even though I mailed my payment on time, I was charged $105 in late payments and they would not take any late charges off because they said they have no control over the US Postal Service. I had to make a payment of $120 to bring my account up to date on June 1. Since then, I have reduced my balance to $252, and have been mailing my payments 20 days in advance. I just received a letter yesterday saying that I needed to call right away because my account was over the limit. I called FCNB right away and was on hold for 1.5 hours. Finally I got ahold of customer service who told me that they had charged my account the $69 yearly fee which put me over my limit and that they had then charged me a $35 overlimit charge and that I would be charged another $35 overlimit charge the middle of Aug. I cancelled my card on the phone and they promised me the $69 yearly charge and the $35 overlimit charge would be removed. I don't believe a word they say. I was told that on Jan. 1, 2002, they began a 0 day grace period. They had a grace period prior to that. What that means is that if your payment is received one day after the due date they charge you $35. I am sure they have made a lot of money off of this because FCNB does not process payments when they receive them. This is a very fraudulent company.

FCNB is totally riduculous in so far as how they post payments to your account. They asked me to consider 11 days to mail out your payment due to Sept 11 and the mail being slow. I like many individuals have a scheduled time/date whereby I make payments/write checks which is based upon my pay periods and I also allow for a normal time for payments to be received/posted. Whatever happened to the stamped date of the mail being evidence that payment was received? FCNB does not want to assume responsiblity for their billing department.

FCNB never post your payments on time They never have the same late chages You can try to talk to them on the phone but they dont listen to what you have to say because they are always right according to them

I thought I would contribute to this as well. I was on-line looking for the FCNB website, and found this site! What an eye-opener! I thought I was the only one getting screwed! I had experanced the same thing, were some how I was put over my credit limit by charges, and then it just snow balled so bad I couldn't afford to pay the minimum payment due at all. I had a credit limit of only $300. By the time it was done, I owed $1,100! I tried and tried to cancel as well, in writing even. They don't care. They want to keep racking up the charges. A few months went by, and a collection agency contacted me and said he realizes this is a terrible company, but it is his job to try to collect on it. He though the 700 plus charges were rediculous, and said if I wrote a letter giving some kind of reason, (finiancial hard-ship,etc.)he was sure the would cut this in half, but he had never seen them do any more than this. I was excited to have the offer...but now that I read these, I am thinking why sould I even have to pay HALF? Something just isn't right. I am interested in learing more about this class-action lawsuite, if someone with the info could e-mail me. As consumers, we need to stand up for our rights. A company like this thrives off of people with bad credit - and takes advantage of them, thinking we are all too stupid to do anything about it. I'll pay my $300 bill, but nothing more. I plan on investigating this company further. I would suggest that if you do have these same problems, you request a copy of your credit report, and there is a space that you can put your comments and send back to the credit bureau. They have to print your comments. I plan on putting something in there about fradulant, illegal charges, and a class-action lawsuit. Atleast this way, your when your credit is looked at, they will see this and understand what is going on. This is the only blemish I have on my report right now. Good luck everyone! I hope they do everyone a favor and go out of business soon!!

I wish I had seen this site before I signed up with FCNB. I, like many of you, have been charged extremely excessive late fees and overlimit fees although I send my payment in on time. I think they must hold payments so that they can charge late fees. When I called customer service to try to get just ONE of my fees removed, they berated me. I asked them to have some sympathy and the guy (Mr. Robinson) said "Why should we?". The first guy I talked to hung up on me and both refused to let me talk to a supervisor. Is there any recourse?

This company often charges $70 for overlimit fees. This happens when you go over the limit, whether it's because of their fees or your purchases, after the 5th of each month. Then when the 5th of the following month rolls around, they tack on another $35. You are not allowed to pay off the first fee before they tack on another fee. They prey on people with bad credit and are very good at trashing any hope you have at improving your credit. I payed my bill on time every month - always more than the minimum - and they still found a way to take advantage of me. By making their fees count towards the credit limit, they are able to throw your balance over the limit and are able to charge you a fee for doing such. Quick way for them to make money dishonestly. Stay away from this company.

I was so happy that after bankruptcy that someone would offer and approve me for a unsecured credit card. It sounded get a first but once I got the card. I realized that it was not a good deal at all. They charge you a fee for everything. Overall the purpose for check by phone and western union is to make a payment on time, but FCNB do not post the payment until they feel like it. It takes up to 5 days to post. By then your payment is late. Say for instance, if your payment is due on the 17th and you call on the 16th to make a payment, the payment will not show posted until the 21st. I could see the money not being available until up to 5 days. The payment doesn't post at all and your account shows a late payment. They have never charged me a late payment but they always show that I pay late. And because of this my APR increased to 22.9%. I have called to get this matter resolved but it is like my concerns means nothing to them. Their customer svc. can care less. I wouldn't advise anyone to go with FCNB. I don't care how bad your credit is.

this company is having a class action suit filed against it--don't join. call customer service to ask re: their policies that are illegal. 1. if you pay by phone, it doesn't post to your account for 5 days, that is illegal according to FCC. 2. Their billing date in on the 8th of the month in general, a full 1 week before the legal date. Don't get in with these crooks!

I've been reading these posts and feel very fortunate. Our card was maxed out for awhile and while we did suffer one or two late fees, we never got stuck with all the others. When we finally paid the balance off, they cancelled our card and didn't tell us. When we called and found out they told us that we had requested that it be cancelled. Thank goodness idiots can still get jobs!

I love having a Newport News/Spiegel account. Unfortunetly the price you have to pay to obtain this account is dealing with FCNB. Payments we're not posted to my account. When trying to resolve this matter Customer Service refused to speak with me unless check by phone is made to FCNB. Never in my life had I been treated so rudly. I was accused of lying to them about my payments and the checks not being posted with proof of payment in my hand. After sending in photo copies from my bank for proof of payment. FCNB did not credit my account. I was turned over to collections. I would like to see Spiegel/Newport News with a different banking institute. Should you order from them...Do not set up an account with FCNB.

The annual fee is $49.00. If your balance is near the limit this fee will put you over that limit and then the bank will charge you $35.00 for your over limit fee!! I feel the annual fee should not be considered part of your balance. A person does have the option of not having an annual fee---the catch is your account will be closed if you chose that option. It is a good card to have to "fix up" your credit history,but build up good reviews fast,transfer the balance to a no fee card at your first opportunity,and dump FCNB visa!!!

Will be contacting the BBB and the RI Dept of Business Regulations. $2.00 over the limit has now cost me in excess of $200.00 I would be interested in hearing other peoples complaints regarding this company.

Because I went over my limit by .73 cents I was charged a 35 dollar overlimit fee, when calling to ask about this,( In the past I had gone over a dollar and they had done the same thing, I paid the late fee and specifically requested that if I ever go over the limit, no matter by how much, do not approve the transaction.)Anyway, I could not get past the operator ( a Mrs Dinsmore )when she tried to verify my information, I did not want to reveal my employeer number, that is when it all went down south. I asked why she had to have it, I gave her everything else, is there not something else she could use besides that? She very rudly said she "didn&#'t have the time for this". I asked to speak to her supervisor and she said no. I asked for the supervisors name and she told me she would not give it to me. Finally she hung up on me. How iis that for customer service?

THEY MAIL THE BILL YOU RECIEVE WHEN YOU GET IT YOUR BILL IS DUE IN EITHER12 OR 10 DAYS THEY SAY TO MAIL IN 14 DAYS IN ADVANCE THEN THEY CHARGE YOU WITH LATE FEES

I got their offer in the mail after my bankruptcy. Like many of their victims, I thought it would help rebuild my credit. IT DOES NOT. I paid faithfully every month, not realizing I was a little late. But, you cannot send a payment, until you have the money to cover it. Then I noticed the minimum payment on the little $300 credit limit, was $171.00. I found the small print at the bottom of the statement, telling me that there was $35.00, late, and $35.00 overlimit fee. Every month. Could not resolve it with them. They would not talk to me. I sent partial payments, and my May statement, the balance was $304.19. I sent $20, on june 3, & june 5. This put the aalance at 299.19. I called, and was told that they had charged me a 35.00 overlimit fee. The due date is june 12. closing date june 18. I asked when the added the overlimit fee, she said at the end of the billing cycle. That would be june 18. This is clearly a ripoff. Stay far, far away from this bank

At the beginning of May, I was 25.00 over limit. I have made no charges since March. Today, June 6, I now owe this rip-off company 182.00 in fees that they have added on since May. I was robbed once, but they used a gun....FNCB used it arbitrary fees to make over 250.00 from me. To get my balance just to the limit I have to pay this company 300.00. Please do not sign up with them. They have no respect for their customers. I think they hope you will go over limit 1.00 so they can then keep adding on fees. This is ridiculous.

They start off with giving you a ten day extension on the due date then they take it away by sending you this book with all the details explained inside. Then they raise the yearly fee after 3-6 months after you have the credit card. If you really need a credit card I highly demand that you look elsewhere!

This was the first of many offers after my bankrupcy. I went with them. I only used the card three occasions for purchases. In December I went to an emergency walk in clinic and the charges were $50.00 it put me over my limit by $5.00. they charged me $35.00 " over limit fee" then Cycled my statement the next day and charged me another "overlimit fee". I had $70.00 in charges for using $5.00 over my limit. I straighted that out. In May my payment which was more than the minimum was "posted" on the 13th rather than the day it was due. So they charged me a "late fee" of $35.00. That late fee put me over my limit by $29.00. They charged me an "over limit fee" of $35.00, then "Cycled" my account and they charged another $35.00 for "over limit" fee. That is $105.00 in fee&#'s! I would agree to a late, but they should not be able to charge over limit fee&#'s when they put me over my limit with their fee&#'s!

This account is one of my biggest headaches. I have other credit card accounts with various other lenders and have never had such a rough time keeping up and making my bill payments with this one card. The problem I encounter with FCNB is that they bill any service charges, late fees, etc. AFTER the billing cycle has run. One month I got a bill with a minimum payment due of $20. Several days later I called to discover that I&#'m now $100 over my credit limit. Turns out my payment was ONE day late so they charged me a late fee - AFTER the billing cycle had run. They then charged me an over the limit fee because the late payment fee took me over my credit limit - again this was AFTER the billing cycle had run. Add up that and all the other fees I now owe them a payment of $120. I&#'ve got other cards and am on a limited budget. I can&#'t afford to pay $100 or more each month just because of their billing process. I HATE THIS CARD and would NOT recommend it to anyone else! I have CLOSED my account with them and do not plan to do any more business with this cheating company.

I have had nothing but hassles with these folks from the first statement I recieved. It only got worse after I became unemployed, and applied for my credit card protection benefits which I had bought through their sponsored insurance company. The insurance company would not pay on the claim until First Consumers had sent them copies of the statements covering the period of my loss. I lost my position in October, and to this date First Consumer&#'s has not yet delivered these statements. I, becuase of a household relocation, had lost the specific statements in question. (I did not discover that First Consumer&#'s had not sent the information until eight weeks later when the insurance company informed me that my claim had been closed due to lack of required data. I immediately began making phone calls. And my conversations with the individual employees of this company was as fruitless and frustrating as were those of previous posts. I too have seen payments held. The most recent of which was the insurance company payoff. (I finally found my statements) The insurance company sent me a letter stating that a 400.00 payment had been made a week prior to the date on the letter. First Consumers, now three weeks after my reciept of the same letter has not posted the payment. I am going to the Better Business Bureau on this one.

This company is the most misleading out there and it lacks repoire. The offer they mail you says they&#'ll match your deposit by 300%, but then, after you apply, they change their terms to up to 300% deposit matching, match nothing to even a $1000 deposit and then charge you daily to use your own money. If you want to cancel because you did not agree to these altered terms, expect to wait 3-4 months just to get your money back, less a processing fee (when you are the one who has been inconvenienced). Supposedly you earn interest on your deposit, but it is never applied to your balance, so what&#'s the point of having something when it&#'s not accessible? Their customer service representatives are rude and could care less about having your business. I would strongly discourage anyone fool enough to invest in this scam (this coming from a highly dissatisfied fool, who learned the hard way-by experince.) Terribly poor experience!

Shortly after receiving card, they informed me of a change in interest rates, etc. Naturally, evderything was going up. I closed account. Every since this, I have had nothing but problems with them. Every month they keep adding either a late or over limit charge to account, even though I have been going through a dispute resolution process with them. They never credited a payment in Jan 2002. Trying to resolve this missing payment, I followed their instructions on how to proceed. They directed me to write to Dispute Resolution Dept. Dis so two months in a row, Feb and Mar. Never received any response from them. Called them last week after receiving another statement with another overlimit charge on it. Called the NON-CUSTOMER SERVICE again, snf was told this time that Dispute resolution Dept does not resolve fee items. NICE, after waiting 3 months for their response, they just kept tacking a $29.00 monthly fee for three months. Finally got ahold of a person their who seemed to care, and took down all the information concerning my complaints, the letters, many phone calls, etc. and they said I would have a response with 7-10 working days. Got their response today which basiaclly said Too Bad and you have to pay the fees. No name on it, just some scribbling which looks like a taggers mark on a freight train. All I can say about this bank is **LET THE BUYER BEWARE**

This company has extrememly poor customer service. I received a late fee and reviewed my previous statements, which showed I was current. This also put me over the limit = $70 in fees. I called customer service and they advised me that the late fee was from 4 months earlier and the system "just caught up". I reviewed my checkbook and sure enough the payment never cleared even though it was mailed with a batch of payments for other companies that have all cleared. I advised them I would not be over limit if it weren&#'t for the fees. I closed the account. I agreed to pay the charges over the phone, but I was advised that it would take 5 days to post. I mailed it in. It still took them 2 weeks to post the payment. The original payment never showed up. I agreed to accept the card because of a low APR. It now has the highest APR of any of my cards. This card pales in comparison to other Visa and Mastercard accounts. This was a big mistake!

They charge a late fee even when they have possession of your check. If you have this card, get rid of it and get a Capital One card…

I usually come to these boards to read comments about credit cards before I apply for them, but since I had not come to this board before getting a FCNB credit card, I had no idea how many people had bad experiences with it. So far I am doing great with the credit card from FCNB. Sending my payments in a week before they are due and it usually takes exactly a week to post, on time thank goodness. I was told to call back in 6 months to ask for a credit line increase as long as I have no over the limit fees or late payments, and I don&#'t. My husband has had awful experience with them so far. And that&#'s because he did not read the entire agreement in that he thought he had a credit limit of $300.00 and didn&#'t know they took out their fees of $49.00 from the $300.00. He became over the limit right away and now owes $575.00 for the card and it has gone to a collection agency. So far I am satisfied with the card and have no intentions of incurring those over the limit fees because they are a killer.

I was not recieving my statements, thought that I paid off because I combined most of my bill onto one. Called to find out why I did not recieve any more catalogs they had my address changed. I was two months late, I ask for a bill, as soon as I received it I paid, with $200 still owning.I can not get credit anywhere because they put it against history. They refuse to take it off. I then had to call last month again because they changed my address again, I was 5 day late.I have to call monthly because my address keeps getting changed, they say that it keeps going to a previous address. Funny I never lived there, I have been living in the same address for over 17 years.

I wish I would have read the reviews on this company prior to obtaining a card from them. I have consistently been charges over the limit fees and late fees for the last 4 months. Every month I contact Customer Service and they have some excuse as to why this has heppened. They consistently take about two weeks to cash the check and apply it(I swear they hold checks). I called and complained this past time and threatened to close account. My payment was received and applied within 5 days. (Why did it always take at least 12 days.) I still closed out my account, and told them they are a deplorable so called business (there is no way to win with them). They did let me close the account, and I will pay them off ASAP (they probably will have some other reason to charge extra fees) STAY AWAY FROM THIS COMPANY!

This company is the worst I have ever done business with. I have bad credit, and decided to use this card to try and rebuild my credit. After $100 of purchases, they hit me with the annual fee which of course, put me over my limit. On my next statement I was charged with an over- limit fee. I called and requested that my card be cancelled, and was told that until I paid the balnce in full, they could not close my account. My balance is now up to $475. I would never recommend this card to anyone. They are right, they help bad credit. Help it to become worse credit!

I had this card for less than one month and my home was burglarized and my card stolen. Although they re-issed the card promptly, they transferred all of the fraudulent charges over to my new account without any warning or reason and then cancelled my new card account because I was over the limit. After writing to the Credit Dept. and talking to customer service over and over and over again, they declined to open my account "Due to poor history with FCNB". Again, I had the account(s) for less than 60 days by the time this was all over. Furthermore, they were slow to post one of my payments to this account and therefore charged me a $35.00 fee even though the check was electronically transferred from Bank of America 7 days before the payment due date. When I called customer service to ask about the charge--I was told "You signed the agreement so you know we can charge your account these fees" Then the Customer Service agent "Crystal" said, "I am now disconnecting this call." and she hung up on me. All in all, this is THE worst credit card company I have ever dealt with in my entire life. BEWARE OF THIS COMPANY!!!!!

This bank sucks!!! I would not recommend them to my worst enemy. They offered me this card right out of bankruptcy, so I took it. Then about a year later they changed all the terms on the account, increased their fees, and to top it all off, they sent me to collections when I was not more than 30 days past due. It took me over a year to pay off the stupid card because of the interest, and now they are reporting all kinds of lates on my credit report.

FCNB has no online service available and to pay "paperless" you must wait a five day posting period which is much more than any other company I deal with. The only positive is that they do not charge for payments by telephone. They do have fairly low interest rates though for their nonpromotional APR.

I had my purse stolen while I was in Texas and did&#'t realize that my card was in my purse. I called the company when we got back home (2 days later). I filled out a form which I then had to have notarized... one of the questions on there was what is the perpetrators social security number!!! I sent it in and then was sent notice that I had to re-send the material and have it notarized. I called their office and a man who barely spoke English got on the phone, I told him when asked when I would have the paperwork filled out, when you pay for the notarization of the exact same form that I already sent. He was verbally abusive and when I called back I was told that he was wrong, all I had to do was fax in some info. Unfortunately the level of customer service still wasn&#'t up to par - I cancelled the card

When i first recieved my card i was really excited about rebuilding my credit, I had made a few mistakes and was looking forward to starting over. but your company is not about helping people it is trying to screw as many people as possible.coustomer service is a joke!! Your intrest rates are fricking outrageous!!!!!!!!!! I have had your service for a year and have not missed a payment,or even been late once, Yet you will still not drop my intrest rate? this is overall the worst card i have herd of

absolutely the worst credit card I have ever had. Customer service sucks, and they charge you for different things everytime you turn around.

I have had an FCNB Visa for about 3 years and have the Spiegel/ Eddie Bauer for as long. I have never been even close to my limit so I have never been charged excessive fees. My history is excellent and have received a few increases. Ni big deal. My problem is with the customer service. You will NEVER get the same answer twice from the reps. I requested that they reduce my interest rate about a year ago (threaten closing account) and they agreed....to this day they still have not actually done it...I will keep pressing! Of course, they conveniently have no record of agreeing to a new rate so they won&#'t be liable for retroactive interest deduction from the original date of agreement....the customer service and some practices SUCK!

After reading the posting on this web site, I understand how the cardholder&#'s feel. I used to be customer service for FCNB. The company has some problems.

I have this card i called a payment in by phone on the due date then two days later they sent me a letter saying i was over the limit because they charged me 35.00 for being late , they said they used to give ten days after due date to let check by phone clear but not anymore, would be nice if i knew that since i have called my payment in before on due date and was not charged late fee&#'s then that 35.00 made me over the limit so there was another 35.00 then new billing cycle began and another 35.00 also they are very rude

This bank is business at its worst! There are probably very nice people working there but there is something terribly wrong with this company. I have an Eddie Bauer credit card that is handled by this bank and the other negative comments I have read fit my experience exactly. I am 48 years old and have never had any financial difficulties, even minor ones, and somehow this bank has created them for me. I have contacted my bank and they are going to call FCNB for me. They have also given a consumer protection number (1-800-680-7289) in which to file a complaint, and they have recommended that I connect with the FCNB website and start emailing them regularly. They also stated that they would require nofication when they have cleared my account. In addition to all of this, I am going to let Eddie Bauer know that not only will i never use their card again but I will not ever purchase anything from them as long as they continue to do business with FCNB!

This bank is charging me $75 a month for being slightly over the credit limit. They told me they would credit $35.00 and never did. The day after the statement date, they charged me an additional $35 even though I was under the limit after having made a payment. They are the worst credit card I have ever had!

I should have been wiser when I opened an account with this company. I have paid my payments as soon as I got the bills and for some reason my payments/envelopes I send end up getting lost in the shuffle I suppose. I have been charged almost every month a late fee. I have called repeatedly and they tell me to pay them before I get the bills or to pay it off completly to avoid this. Well to me they are not very efficient. I would definatley not refer this bank card/cards to anyone, ever! Unhappy customer...

I had been a customer of Spiegal for 10 years. I paid off this card several times in full -- even high balances. This year I had a late payment. They killed me with excessive charges due their inefficient/late processing time and then cancelled my card -- after I had paid them the payment/fees/due. I have two other cards that I pay on-line and receive helpful service and reasonable fees --even reversals of fees when I ask for it. This company is awful -- I will paying off my balance forever until I am able to pay it off in full. Even then, I am sure they will find a way to charge a late fee! Spiegal has excellent service however I will never buy from them again given their association with this company. Spiegal obviously does not care about their customer service either.

I just wanted to inform people of First Consumers National Bank credit rebuilder. First off all I had to send them a down payment of $100 to get the card and when I finally received the card my balance was less than $70 because of fees they had already charged me for the card. Well that's not the bad part, although it's not good, but after my money was gone off of the card they continued to charge me late fees and monthly charges which ended up to be over $900.. Now how I went from spending $100 of my own money to oweing them $900 is beyond me, and when I tried to call and get it straighted out, they left me on hold for about 20 minutes. (I guess there goes the poor customer service) So to sum it all up, they are rip offs and it's best to just stay away from this company!!!!!!

The billing system in place is not suffient. Consumers who pay min. payment doesnot include any overlimit fee or late charges being assessed to the account.Even if your paying over the the mininm Make sure you the consumer calculate the overlimit fees, late charges and interest due. If not you'll be over limit from month to month. The information reported by the VRU is not correct. Please pay off card before its to late.

over the limit fees charged on interest charges and annual fees charged without prior notification. the telephone info line was either not available or not updated in timely fashion to help you keep track of accurate balance of the account.

Was under my credit limit by 10.00. Was charged a $29.00 late fee because payment was not there one day after which in turn put me over the limit -- so was charged another $29.00. Very rude customer services personnel. Asked to speak with supervisor--could not unless I made a payment -- charged another $29.00 because it was past my billing cycle. This is BS. Have cut up card returned to them with $50.00 payment 1-1/2 weeks ago. Has not been credited yet. Save yourself the misery down the road. Its easy to get but hard to get rid of without owing them everything.

The company is there to issue you a card after you've had problems, but then they stick you. They have eliminated the grace period so late fees are now charged the day after at a $35 fee, although the billing statements still say it is 10 days. Customer Service say it doesn't matter that we sent the wrong billing statement as it was revised in August. If you pay via the phone it takes 5 days to process. Why? If your unhappy complaint to ftc.gov I have, let's put a stop to companies taking advantage of us consumers

some places just won't except my card. even after i had just activated it with full credit available.

I am a single parent and due to medical bills, my budget was shot. In evaulating my financial situation, I decided to call customer service to explain and try to get some help. Bankruptcy was not an option that I was willing to consider. Customer service was no help and told me that I was contractually obligated to them no matter what. I then decided to be responsible with my situation and went through a debt management program. I am happy with their service and feel like I am being responsible in taking care of this and living up to my obligations. FCNB is continuing to hassle me even after the payments have been sent and to add insult to injury, everytime they call they insist that you verify your address and phone number. THEY JUST CALLED YOU! During the last call I asked why I had to verify that information? The answer "Because you owe us money." Then I was told that I should just "ACT LIKE AN ADULT AND PAY YOUR BILLS." After this posting I will be contacting my states attorney general to see if this qualifies as harassment. DO yourself a favor and DON'T GET THIS CARD!!!

rates started 16.9% then after a while its over 18

If you are anywhere near your credit limit you will get hit with overlimit fees. They set up the billing so the minimum payment won't get you below the limit so they can charge you another $29. Even worse they will charge you an overlimit fee after your billing closes out so you won't see it on your bill until the next month and unless you sent a large payment it probably generated another overlimit fee. Customer service is unhelpful, won't let you talk to a supervisor or they won't call you back. I have also had a repeat problem of not receiving bills and they have mailed them to the wrong place.

FCNB cannot post a payment in a timely manner. I have mailed payments at 7 a.m. at the post office on 2/20 and my check ws not posted at FCNB until 3/8. I mailed other checks out of state that day and they were all credited to my account within a week. When the delay posting, they charge you a $29 late fee. If you are within $100 of your credit limit, your late charge plus your finance chrges can and will put you over the limit. They are very prompt about posting you over the limit fee. I have sent payments in with more than 2 weeks before my due date and have paid over $100 in fees with no personal transactions. You cannot pay on online or get any information online. You must wait endlessly on hold if you are lucky enought to get the hold message (sometimes you receive the recording that says try later). You can pay by check over the phone. They will tellyou it takes 3-5 business days. It always takes 5 starting tiwht the next business day. Be careful.

The representatives do not know what they are doing, transfer calls back and forth between departments because nobody can answer a question. Yearly fees also have other fees attatched that you are not told about. Over the limit fee are charged if a fee puts you over the limit, not a charge by you. All other cards that I posess do not do this.

I received an offer to re-establish my credit after filing bankruptcy with garenteed approval for a nonsecured credit card. which was wonderful because this then allowed me to qualify for a car loan later that year. The only problems I experienced were some errors in recording information and occasionally getting a poor customer representive to talk to. the fee are high but this card helps you to qualify for a better card in the future

Shop around before you use this card. Its best value is in restoring bad credit.

For the past several months since changing my address, they have not sent my statements to me.

There is no benefits or perks with this card. Example - extended warranties, car rental insurance etc. It seems to take a really long time to post payments. Example - you mail a check and it takes over 15 days or longer for it to be received & posted. I have mailed from numerous post offices & it does not make a difference. In this long posting delay, you get hit with high late fee.

you can get this card right after you file bankugry and it is disclose.

I would like to know why can't we view our account status? I bank on line, I pay all my bills and get account balances. When will you offer the same benefit for your customers. Sinerely, A very busy hospital administrator

My husband and i have being using our FCNB cards for the last 3 years and it has been very helpful in re-establishing our credit. They offered us those cards when we filed bankruptcy and now we have every card company sending us pre-approved cards. We have not applied for another card because we are very loyal to them. However, i think they have grown too fast because our only concern is the long wait to talk to a customer service rep. Also, i wish i could access my account information online. The interest rate is not the best but when you are in the process of rebuilding, the interest rate that they offered was the best.

Very good bank to deal with.

In march of this year i was forced to file bankruptcy. About one month after filing, first consumers national bank sent me an unsecured pre-approval letter. I mailed it in and in about two weeks I had a mastercard with a $1000.00 credit limit and only a $49.00 fee. That was pretty good considering that my bankruptcy had not yet been discharged. I was able to start re-establishing my credit instantly. Thanks FCNB

I have not so good credit from my past, and they let me have an unsecured card, and only charged a $49.00 anual fee! That's the only fee!I was amazed! Plus, with a credit limit of over $400.00!

The experience I have had with the customer service at FCNB was worse then poor. I received my first statement from FCNB around 4-22. The closing date was 4-19-00 due 5-14-00 with a monthly payment of $10. I send a $20 payment 4-26-00. Today on 5-25-00 I receive a letter from FCNB stating I am over my limit by $35.39. I immediately called the number given and spoke with Janelle. She went on to to tell me there was nothing they could do to stop the charges from being made once I hit my limit, "that's the way credit cards work Holli." I went on to tell her I do not have this problem with any other credit card. I mean how rediculous is that statement she made with me. Then I asked to speak with a manager she told me "I am not getting him off of his phone to talk to you until I know what you need to speak to him about. To me this is horrible customer assistance. Finally after about 5 minutes of waiting Chris came on the phone and said to me, "when you are late with paym! ents you get charged fees. I am horrified by that statement. I only received one statement and mailed a payment immediately plus doulbled the monthly payment requested which by the way FCNB received by 4-29-00. I asked Chris if he prefer that I call back in the morning and speak to another manager. He seemed very upset with my call and obviously did not want to be bothered. That is fine, what we will do is transfer our balances to another credit card and let them be paid the interest. I have been with FCNB for many years now and take pride in my good credit with them, but customer service is very important and if I can't be treated as a valued customer I will call it quits. Oh, and I didn't appreciate Chris trying to turn it around on me and saying I was yelling at him when he clearly came to the phone with an attitude. I would of made a payment on the phone by check but not getting that attitude from Chris was I willing to do so. My rating for this card over all is j! ust plain bad experience and sorry I ever opened it!!!