Complain about a product or service

First National Bank of Marin

Diviana of New Haven, CT September 16, 2009

I am being billed for past credit card debt. MCM is accusing me of oweing a bill for Bank of Marin . Which I had alreay paid off in April 2006. The account was closed after pyement. I have sent verification letters to them and the 3 credit unions. I get a new bil just yesterday so I call them to setl thi once and for all. They claim they bought the account from Alantic for Bank Of Marin card I never had or I paid already. I never har of Atlatic nevr recieved any bills or another ard or Atlanic nor was it evr on my credit reports. They claim it was a paid acount for another card. I only had one card and it was paid off..I am now being harrased to pay an interest every month for a card I never had or . a card that was already paid off...

jason of wichita, KS September 2, 2009

i got a secured credit card about 9 yrs ago. put 50 dollars on it and spent 21.00. i called them and told them to cancel it. the next thing i know i get a bill for 373.49. i called them they said thats what i owe. i had my grandmother write them a check and gave her the cash.

two years later i'm getting a bill for 573.00. i called them they said since i didnt cut it up and send it to them i was still getting charged intrest on a secure credit card. have to put money in to use. criminals hold u up without a gun. completely ruined my credit

Christopher of Texas City, TX August 7, 2009

Called Me and accused me of having a credit card debt with this bank which I've never been with. I have my credit reports from all the way back to 2000 and they are not on any of it good or bad credit. we don't even deal with credit cards. we pay cash for everything and always have. [They] have the wrong person for this account. If any thing as for continueing to call and bother me on this I will take action myself with the law and file charges against company. have contacted our Lawyer He will be filing action against First National Bank Of Marin

I do not like credit card never had one and never will because companys like [them] give anybody a credit card even if its not the right person.

Dawnakay of Dauphin, PA June 22, 2009

I had a credit card from this bank. I used the card one time for gas of 25.00 which I paid immediately. I just wanted to show I had some credit out there. All of a sudden I get this bill saying I owe 150.00. I called them they said it was a one time fee which was not mentioned on any of their papers when issued the credit card.

Last year May 20th this Kevin called me and said that I now owed them 577.42. What the heck I never used the card in fact after I received that first bill I cut the card up. My fiance got on the phone with Kevin and came to an agreement to pay 350.00 which my fiance did right then and there over the phone. Kevin said it would be settled then.

Then in August 2008 I received a letter from the bank that I still owed this amount. I called talked to a female this time gave her kevins name and payment we made. She said he never passed it through as paid. She would take care of it.

Now as of June 22, 2009 I just received a letter from a Collection Agency saying that this is still owed the 577.42 to the Bank of Marin. Called them because the number we had for the bank is no longer in service imagine that. Now I have to go through all this fill out a dispute package and their telling me that even a copy of my fiance's bank statement showing the payment my not be enough to clear this.

So in the mean time this bank is bringing my credit score down so low that I can't even get another credit card from Wal-Mart which is where I work. My credit is shot. I never got another credit card after this issue because I can't therefore I can't get any loans to help my Son for college nothing.

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.

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.

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.

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!

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.

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.

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