- Report: #161473
Complaint Review: First Consumers National Bank - Hicksville New York
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First Consumers National Bank
PO Box 5811 Hicksville, 11802 New York, U.S.A.
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First Consumers National Bank & ECR Collection Agency FCNB keeps selling a bogus outstanding balance to various collection agencies RIPOFF Hicksville New York
I had a Spiegel account and in May of 2003 was contacted by a rep from FCNB, the bank that owns these credit cards and offered me to pay my account off in full over the phone, as they were closing their accounts. To incent me, he waived the $8 pay by phone fee.
In September of 2003 I received a bill which indicated that I owed around $70 for late fees stemmning from this $8 phone fee. There was no one to speak to as they closed these accounts and no longer had anyone to speak with. The only other measure I had was to submit a letter to a P.O. Box in Old Bethpage, NY (POB 9204) -- so I did so on 9/9/03. I didn't hear anything back so I thought the issue was resolved.
Every 4 to 6 months now I'm contacted by a new collection agency that has this as an outstanding debt. It appears on my credit report, to which I send a letter indicating false charge, etc and it goes away again, and this has been repeating every 4 to 6 months. The other collection agencies seem to be willing to work with me and remove the issue.
Last month, I was contacted by ECR collection agency and they refuse to send me anything in the mail or give me an address to which I can formally reply. They call me 4 to 5 times per day, every day and when I talk to someone they yell at me, refuse to hear the details of the matter and refuse to send anything in writing. I cannot get a hold of anyone at FCNB who is the one who hires these collection agencies, what should I do?
Lana
Deerfield, Illinois
U.S.A.
In September of 2003 I received a bill which indicated that I owed around $70 for late fees stemmning from this $8 phone fee. There was no one to speak to as they closed these accounts and no longer had anyone to speak with. The only other measure I had was to submit a letter to a P.O. Box in Old Bethpage, NY (POB 9204) -- so I did so on 9/9/03. I didn't hear anything back so I thought the issue was resolved.
Every 4 to 6 months now I'm contacted by a new collection agency that has this as an outstanding debt. It appears on my credit report, to which I send a letter indicating false charge, etc and it goes away again, and this has been repeating every 4 to 6 months. The other collection agencies seem to be willing to work with me and remove the issue.
Last month, I was contacted by ECR collection agency and they refuse to send me anything in the mail or give me an address to which I can formally reply. They call me 4 to 5 times per day, every day and when I talk to someone they yell at me, refuse to hear the details of the matter and refuse to send anything in writing. I cannot get a hold of anyone at FCNB who is the one who hires these collection agencies, what should I do?
Lana
Deerfield, Illinois
U.S.A.
4 Updates & Rebuttals
Raja
Los Angeles,California,
U.S.A.
Lana, I feel your pain...
#2Consumer Suggestion
Fri, October 21, 2005
There are a few things you can do: 1) Send the collection agency a "Cease and Desist" Letter, and by doing so, you are effectively telling the collection agency to stop calling/sending letters. A good cease and desist letter can be found at www.budhibbs.com. 2) Talk to an attorney. Collection agents are mostly all uneducated vermin and any threat of you going to an attorney will piss them off. 3) Do what I did...I goaded a collector into threatening me. Since I recorded the conversation, I had evidence to sue, and I did. I won. Remember Lana, you do not have to show any respect to the collectors. Treat them like the vermin and bottom feeders that they are. I hope this helps.
Raja
Los Angeles,California,
U.S.A.
Lana, I feel your pain...
#3Consumer Suggestion
Fri, October 21, 2005
There are a few things you can do: 1) Send the collection agency a "Cease and Desist" Letter, and by doing so, you are effectively telling the collection agency to stop calling/sending letters. A good cease and desist letter can be found at www.budhibbs.com. 2) Talk to an attorney. Collection agents are mostly all uneducated vermin and any threat of you going to an attorney will piss them off. 3) Do what I did...I goaded a collector into threatening me. Since I recorded the conversation, I had evidence to sue, and I did. I won. Remember Lana, you do not have to show any respect to the collectors. Treat them like the vermin and bottom feeders that they are. I hope this helps.
Raja
Los Angeles,California,
U.S.A.
Lana, I feel your pain...
#4Consumer Suggestion
Fri, October 21, 2005
There are a few things you can do: 1) Send the collection agency a "Cease and Desist" Letter, and by doing so, you are effectively telling the collection agency to stop calling/sending letters. A good cease and desist letter can be found at www.budhibbs.com. 2) Talk to an attorney. Collection agents are mostly all uneducated vermin and any threat of you going to an attorney will piss them off. 3) Do what I did...I goaded a collector into threatening me. Since I recorded the conversation, I had evidence to sue, and I did. I won. Remember Lana, you do not have to show any respect to the collectors. Treat them like the vermin and bottom feeders that they are. I hope this helps.
Raja
Los Angeles,California,
U.S.A.
Lana, I feel your pain...
#5Consumer Suggestion
Fri, October 21, 2005
There are a few things you can do: 1) Send the collection agency a "Cease and Desist" Letter, and by doing so, you are effectively telling the collection agency to stop calling/sending letters. A good cease and desist letter can be found at www.budhibbs.com. 2) Talk to an attorney. Collection agents are mostly all uneducated vermin and any threat of you going to an attorney will piss them off. 3) Do what I did...I goaded a collector into threatening me. Since I recorded the conversation, I had evidence to sue, and I did. I won. Remember Lana, you do not have to show any respect to the collectors. Treat them like the vermin and bottom feeders that they are. I hope this helps.
