Complain about a product or service

First National Bank of Marin

B of Dryden, NY June 4, 2009

I to fell for this "secured" card scam. Was in the late 90's, I think 1998. Get a secured credit card (think it was 400 limit). Didn't find out until after I used it one time, didn't spend over 20.00. Was billed for over 400.00. Called and told them to cancel it which was a huge hassle. They insisted that I still owe them. So let me get this straight, I give them 400.00, they give me a secured credit card(secured with my money) and when I cancel it I still owe them? I told them to send me a bill for what I actually charged and the service fee. I would pay that but I'm not giving them the 400.00 to secure the credit card I want it cancelled.

Emerrae of Dryden, WA May 29, 2009

Lately I have been receiving calls from collectors who say that I owe Bank of Marin 792.90 but will settle the account if I can paya 475.74 right away. I asked the collector what she was talking about and that I never had an account with Bank of Marin. She told me that because my SSI number matched the account. I was responsible to pay the account. I told her that I was NOT going to pay for something that I have NEVER used before and asked her to sent me a Statement or something. She became very angry and told me that they sent me a letter and if I didn't agreee with the amount, why didnt I write a dispute letter. I told her not to even start with me and that I was NOT going to pay for an account that I did not open nor ever used.

One collector told me that this amount was interest starting from 1998. I couldn't believe what he was telling me. Here it is now 2009 and they are NOW just calling me? I told him, so what you are trying to tell me is that you are trying to EXTORT money from me? They couldn't even tell me purchases that I would have made if I had that account.

There must be something that I can do, because I told the rude collector that called me this morning "NOT" to call my number again! Can they do this? From what I am reading, this company does not even exsist any more and that they were bought out by someone else. I REFUSE to pay for something that I did not have, use or purchased!

Jermaine of Norfolk, VA May 29, 2009

Settled accout with them years ago. over 5. now I am getting collection agencies calling me asking for payment for a card, I paid off already, with the bank. affecting my opportunity to purchase a home.

Lavonia of Richmond, VA May 30, 2009

If I recall correctly I acquired this credit card offer in 2000? I believe. Any I never charged anything; then I ended you owing money. At the time my ex settled with FNBM and paid them off for me. Several years later with the account being sold/transfered over and over still looking to collect on this debt.

Just recently, I recieved an offer in the mail from GFS? Genesis Fincial Services to "start over to fincial freedom" that if I agree to make an initial payment of my total balance due of 441.23; they will report the account as paid in full and I'm pre-approved for a new line of credit? If I read the offer correctly they are offering a clean slate, and I'm right back in debt with this new credit card?

As much as I wnat to be back in good standing with all my debtors and get my credit score out of the "red" to a desent less embarassing score. I don't see how this would help. Confused and don't know what to do.

anastasia of ogden, UT May 22, 2009

At age 21 [9 years ago] I received a secured credit card from FNBM for 200.00 - even though after all the fees they tacked on, there was less than 30 left to charge on the card. I kept it and made payments for a year before I fell behind. I tried to make arrangements with them to cancel the card and simply make payments until the account was paid in full - but everytime i tried to do anything except make a payment I ran into a brick wall. It is listed on my credit report with experian as a charge-off. 9 years later I am now receiving calls from yet another bill collector [4th different "company" to purchase my "debt") and they are asking for 1600.00 to pay the debt off. The charge off is still listed on my credit report from FNBM directly and there is nothing I can do about that except wait it out - but the harassment of having bill collectors call my home 8 - 11 times a day is wearing me down. Also, each of these collection "agencies" has ultimately listed the dept with one or more credit agencies so it's just one more thing dragging my score down. I don't even know what to do anymore.

richard of grand junction, CO May 16, 2009

Dear Sirs I am involved in a potential foreclosure of my home in Grand Junction. I have been diagnosed with cancer and am unable to work. I have had the house on market for some time and have a contract offered a few days ago. To make this work we needed the mortgage company, Franklin First to waive a prepayment penalty of 6 months which is up Aug 6. Other than that the company would have gotten the full amount owed of about 198,000.00 We felt this would have been a win-win, we would have avoided foreclosure came out with about 10,000.00 to be able to move into a less expensive situation and paid the company our debt. We have been working with Heiden Realty in Grand Junction. Bob Colony is our agent. Heiden is shocked that they refuse to waive this, given the situation. My cancer has left me unable to work, I live with my girlfriend whom is not on the loan debt. We have explained over and over that by this refusal leaves us no option but to foreclose, stay in the house probably 9-12 months and them be removed. What possible advantage is that to the company or us? We hear that the mortgage companies have received money to help. This certainly qualifies for help I would think. Can you please help us. This is the only contract we have been offered in 6 months of listing. I just cannot understand that the alternative is a good choice for anyone. Please, contact us, my girlfriend, Connie Carpendale, takes care of most of my business as the medicine and treatments leave me very weak. We can be reached at 970 361-2625. Thank you for your help. Richard Bellin Connie Carpendale 2823 ½ Unaweep Avenue Grand Junction Colorado 81503 970 361 2625 ccarpendal@msn.com

kelly of livingston, MT May 4, 2009

we had a secured card with first bank of marin. we paid our bills on time every month. when we wanted to cancel our card, our limit was under the secured deposit we gave them and they said no until we paid the whole amount and then they would give us our deposit back. we paid. still did not get our deposit back. we kept getting bills saying we owed money. still under the deposit we gave them. since then we had filed bankruptcy and never have received any of our money back. this was about 7 years ago now.

Brenda of College Park, GA April 22, 2009

I made a settlement of my accounts with this company some several years ago it was cleared through them to eqyifax and other creditors now all these years later I can't find my receipts another company is coming after me harrasing me They allowed me to pay 250.00 on each account to close them out. The new company is Arrow Financial Service. they are saying produce a receipt I am waiting on Equifax to send my credit report. for the first account they are asking 1032.00 which is way more than what the card was fro. The second account they are asking 1153.40 Please give me a call in response to what I can do.

Raymond of Mesa, AZ March 13, 2009

I checked my pay check and found out that someone was garishing wages out of my pay check.Called to find out this wasand they gave me a name of a attorney that was handling my case, they said that I had a credit card though this bank. I never had this card in my life. The attorney couldn't even give me a number or adress to contact the creditor. I don't know where to go from here I never had this 828 debt and don't feel that I should have to suffer over something that doesn't concern me in the first place.

Annalee of New York, NY February 28, 2009

About august of 2008 a friend of mind recieve an letter from someone at her door. she sign not knowing what it was she called me at work and asked if she can open it i told her yes. It was from a marshel saying that they was taking money from my check until i was finish paying off the bank that i owe. I was thinking to my self can they do that with out your permission? I didnt even know who the money was for. I finnally got the letter from my friend i called the marshel to find out who was taking my money and can i do anything to stop it. they told me no.since then every time i see my check am not happy because am living from pay check to pay check. ten percent of my check is alot.

I cant pay all my bills on time because i never know what my pay check would look like. the more i make the more they take. sometimes i have borrow money from my mom to buy school supplies for my son. am stressed out because its nothing i can do about it. i am willing to make adeal with them. but i dont want to waste my time for nothing.

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