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Carlsbad,#2Consumer Comment
Sun, June 29, 2003
As an ex-employee, it seems that you are a bit out of line posting here. Your ex-employer, the rip-off FCNB, uses methods of assessments that are not only dishonest and unethical, but also unfair to the consumer. Taking into account your poor use of the English language, you obviously are ignorant of consumer laws and of the practices of corporations and the power that big business wields over citizens in this country. Just because an agreement may say that a late fee may be charged if the payment is one day late doesn't necessarily mean that the corporation was honest with their recordkeeping. There are enough consumer complaints against FCNB indicating that credit card holders mailed payments well ahead to arrive in Portland on time. How do these cardholders know if FCNB received a payment on time or one day late? If you had any common sense and an awareness of the law, you would realize that a judge will most likely take into account the host of formal complaints to the State of Oregon and the banking authorities regarding the practices of FCNB. Agreements are never perfect -- and almost always flawed -- and there are laws set up to protect consumers from rip-off companies like FCNB. That's what consumer protection is all about. It's obvious that you don't have a clue about any of this. You simply accept your employer as God and leave it at that. Shame on you! And why do you show prejudice against the US citizens who file in court against corporations who are unethical and unfair to customers? Are you from some kind of communist country or dictatorship where people with money or power are always right and the consumer or common person is always wrong? If so, why do you live here in this democracy where the citizens have the right to fairness in the marketplace and the workplace? If you think opposite of the democratic principles of this country and can't embrace its freedoms, why don't you leave the USA and go back whence you came? I'll be suing FCNB in court and after I win I will post the result here. If you think you can read and understand English well enough, maybe you will be able to figure out why I won after I post the ruling from the judge. Be sure to brush up on your English first (and state and federal laws) before you come back here, though.
Melissa
Lebanon,#3UPDATE Employee
Sat, June 28, 2003
If you read the agreement it says if your payment is not there by the due date you will recieve a late fee. Or if you account is over the credit limit you will recieve a over limit fee. I just cant believe that when people in the united state dont get there way, they talked about filing in court. What are you a little kid that when you dont get your way then you go and cry to the judge about it... If you didnt like the agreement to the account why did sign up for it. Who's fault is that? Is it Fcnb??? I don't think so i think its your fault... By the way when the judge reads the account agreement and looks at you and says why are you suing when you signed up for the card and agreed to it by using the card, why are you wasting my time with this, I really want to be in the court room to hear your response... Oh wait who are you going to sue if FCNB is no longer in busy and there is a collection agency handling the account???? have you thought about that yet... i don't work for fcnb any more since our call center closed down on March 30th but i can tell you one thing I am so GLAD
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Carlsbad,#4Consumer Comment
Wed, June 25, 2003
I AM NOT A LAWYER AND AM NOT OFFERING LEGAL ADVICE. THIS IS ONLY MY OPINION FROM EXPERIENCES AGAINST BAD CORPORATIONS LIKE FCNB. Though FCNB will threaten or tell you that they will assess you a late payment fee or an over-the-limit fee, you can head them off at the pass by contacting the credit reporting bureau and filing a report with the bureau regarding this fraudulent company and that the charge they are trying to assess to you is under dispute. You might also want to somehow state that the company has hundreds of complaints against them and may be in litigation for fraudulent assessments. Do not fret about the credit report! Though good credit is an asset, it is not the end of the world if there is a dispute showing on your record. However, you must file a complaint/dispute with the credit reporting bureau so that it shows up as a dispute on your credit record. If you, indeed, file a claim against FCNB and win, you can ask the court -- as part of the award -- to force FCNB to remove the late charge reporting from your credit record. The important thing is for everyone who has been wronged to fight back and file in small claims court if you feel you are right and can prove your case.
Lisa
Drexel Hill,#5Consumer Comment
Tue, June 24, 2003
I just got off the phone with a RUDE FCNB employee. I swear I never got my bill for this month, and my usual $15 payment is now a $100.00 payment or I will have the same charges applied next month. Their late fee put me over the limit and now I have to pay a $35 fee for that as well. She let me know that sending me a bill was a "courtesy" and that legally they didn't even have to send one! When I got on the internet to call her back, I came across this site, and now I'm worried. I don't have $100 right now, but if I don't pay, my credit report will suffer. I told her that in 3 years I never missed a payment and was never late and she said, "Well, you are now." I will be checking this further in Pa. to see where I stand legally.