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Tina of Centreville MD (04/22/08)
Received mailing for a credit card with spending limit up to $250. They charged enough fees so that when you actually tried to use the card you only approximately $30.00 that you could use. Wrote multiple letters to address requesting that the account be closed. Account was sent to collections for non payment. Contacted Bank again, according to the Bank card had been cancelled, made arrangements to pay off balance in three equal installments which were deducted from my regular bank acct. Have continued to receive notices and collection calls stating that I still owe the First National Bank of Marin $151.00 and that I still owe this money.
Just got a call from a fourth different collection agency stating that I owe this balance. When I explain that I have submitted the documents to the previous three collection agencies that the debt is paid in full, they state that I must send it to them because they just received the collection acct from the Bank in February 2008. When asked for a contact at the Bank I was given the phone number to the toll free operator of 1-800-555-1212.
For the past year, I have made sure that all my payments are up to date and on time so that I can obtain a home loan. This item keeps showing up on my credit report as an open and continuing debt from now 4 different collection agencies, when it was paid in full well over 16 months ago.
Georgianna of Pawtucket RI (03/02/08)
I opened up an account with this bank around 2000. After their initial fee, they sent me my credit card and continued taking money out of my checking account--but never allowed me to charged anything. Since then I've been getting turned down for credit. Now they claim Credit One is taking over all former clients, and I still have not been able to get this off my credit report.
Madeleine of Faywood NM (12/13/07)
I received a letter stating I owe $1146.98, and I have never opened a card wtih First National Bank of Marin. I have never charged anything to this account! This is going on my credit report, and I never did this.
Shevawn of Glen Ellyn IL (03/07/07)
I was able to obtain a secured credit card through the First Bank of Marin. After using the card for a short time, I decided to cancel the card. I called the First Bank of Marin and paid the balance off, over the phone, and told the customer service rep that I wanted to cancel the card. A few months later, I received a bill for the annual fee, and I called the First Bank of Marin again, letting them know I had cancelled the card. They told me that I did no such thing and that I was past due on the annual fee, and that they were sending me to collections! This annual fee has grown from under $100 to more than $500. Years later, I am unable to obtain a credit card, am paying 13% interest on an auto loan, and life has not been easy.
Cheryl of Richmond VA (03/03/07)
After filing bankruptcy on Jan 18, 2006 I wrote letters to all my creditors to update this information to reflect accurate information. All comply but Credit One Bank, which at the time I filed bankruptcy was on my credit report under FNBM (First National Bank of Marin) They refuse to comply, I requested a dispute with Experian and Equifax and transunion several times, the credit agencies came back with the respond, that Credit One Bank states information reporting on credit report is accurate. Experian has high balance amount, credit limit amount, transferred, closed/account charged off $0 written off, charge off date, 120 days and date, 90 days and date, 60 days and date, 30 days and date.
I have been working on my improving my credit for over a year now and this company is causing my credit report to show this as a current negative and not part of my bankruptcy.
Carmen of Chicago IL (04/13/06)
I was contacted by mail several years ago about opening an account. I never sent them any money and now I am being sued for an amount of 492.00. I told the company that I was not interested in a secured card, so I have no idea what could have happenend.
This account is on my credit report and I am currently fighting a collection agency. They are trying to garnish my check.
Elijah Wilkinson of Thornton CO (02/26/06)
I opened a secured credit card with First National Bank Of Marin back in 2000. I sent them $99 to open an account with a $300 credit limit.
Over time, I decided that I needed a larger credit limit. I had to send them a money order in the amount of $900 , in order to increase my limit to $1200. I complied.
I cancelled the card in 2003. Or so I thought. I spoke with several people to close the account and get my money back.
Next thing I know, I am sent to collections. So, I have to wage battle with two companies over the validity of the debt. The final blow came just 2 weeks ago, when I learned that I am being sued in order to recover over a $1000 dollars of that supposed debt. How the heck do you owe money with a secure credit card? It's unbelievable.
"F" of Detroiot writes (1/18/02):
Was offered a credit card deal and never knew it was secured. When I got the card and tried to cancel it I was switched to some collection agency that was a part of their own company. I never could cancel the card. I never used the card because it came with the balance owed out to them! They have since referred the account to another collection agency.
Kim of Helendale CA (4/25/01):
Nearly every month since I've had this credit card they have posted my payment as being at least one day late, in turn charging me a $29.00 late charge. In Feb. 2001, I was so fed up with them that I sent a check to pay the account off in full. I never received a bill in March, assumming that it was because I didn't owe anything. They always call me approx. 5 days prior to the bill being due and tell me it's a "courtesy call". I never received a call in March.
On April 9th I received a notice that I was behind in my payments and had never paid my March bill. I had only used my card on March 30th for $16.00. I explained to them that I didn't realize that I had a March bill. This is when I was told that they had not received my payment in Feb. until 2/28 and it was due 2/27, therefore giving me an additional amount owing of a $29.00 late charge. I explained that I could not imagine that it took seven days to get 90 miles from my house. I told them I would pay the bill in full and wanted my card cancelled. I decided to send my payment by Fed-Ex so that I had proof of when they received my payment this time.
The payment was due 4/27. they contacted me at work yesterday wanting to know if I had sent my payment. I explained that I had sent it Fed-Ex and the guy told me I couldn't do that as they only had a P.O. Box. I contacted Fed-Ex and they were in fact holding my payment at their office. Bank of Marin will not give you a physical address so that you can have proof provided to you as to when they received your payment. You are at their mercy and know it can't be true. I explained that I sent the payment by Fed-Ex to insure a signature and date, as this was cheaper that a $29.00 late payment. I tried to get them to cancel my card again. Both times I was given a separate number to call. You cannot get through on this number. I have tried and tried. They tell you their lines are busy and hang up on you. I was told I could not cancel in writing either.
Russell of Citrus Heights CA (3/30/01):
First National Bank of Marin, approached me through the mail and offered me a credit card. The information they sent me said they would open a savings account on my behalf, in the amount of $200.00. Their information also stated the savings account would also acrue interest on the $200.00. I agreed, filled out their application, signed it and mailed it back to them. There was no mention of having to pay them the two hundred dollars before or after receiving their credit card.
After receiving the credit card, I used it a few times and made payments on debts I had incurred, until the debts were paid off. I had their card for about 4 months and cancelled. About a month later I was notified that I owed them two hundred dollars. When asked what for, they said it was for the two hundred dollars I did not pay them to open the account. This was never stated in their original offer and have sent my account to collections with additional charges added to the $200.00. Late charges and things of this nature. I consider this a form of extortion, and I thought extortion was illegal in this country.
Gary of Salisbury NC (3/11/01):
Credit card offered via telephone. Totally misrepresented. They opened an account for me. They sent a card which I decided not to use and called customer service and cancelled. Collection calls began 2-3 times a day. They sent me bills for money I had never spent. They showed a credit line that kept going down every month that this went on but I did not use the card, I cancelled it several times by calling the number they said I had to call. They still required that I send them money. I had to pay by phone. I was paying for something I did not want, had not used and had cancelled etc. They are relentless and called at 8:50pm at night etc. I don't know what to expect next from them. It has been the most frustrating experience ever with any company.
Gail of Absecon NJ (10/23/00):
Three years ago I must have been a target for credit card scams, I was trying to repair my credit after being on disability. I received a credit card offer stating that I had been approved for credit with this bank. I sent in the enrollment fee. I received the credit card several weeks later. I used it once and made a purchase totaling $50.00. I received the bill to my surprise the balance it was almost $500.00. I paid the $50.00 that I had charged and have been arguing every since the legality of billing someone for charges they did not make. As recent as 3 months ago I was contacted about this bill and was told that I gave up all of my rights when I accepted the card, so that I could be billed whatever charges they wanted to bill me.
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