First National Bank of Marin

Dealing with another agency that Marin threw my old, old, old debt into the debt pool. Once again, I have prevailed against these people and in gaining further knowledge about my situation have learned more to 'fight' my war with. My 'debt' will go back into the 'debt pool' unless the recent company can help pull me out. In the meantime, I expect another agency to pick it up.

Through conversations and research, I have found complaints can be filed with higher authority. Please read through the complaints on this site. One person gave an avenue of remedy. Once this site address is given to the appropriate party(ies), perhaps the tables will be turned. Until then, I fully expect to start hearing from another agency once the current one has closed its file on me. Knowledge is very powerful so do your research.

Turn these issues over to people who are truly equipped to deal with it and maybe bottomfeeders like Marin will start shying away from unsavory practices such as the recurring $300 (where you might initially only have $50 available to you because of all the fees they impose upon users) I keep seeing here under the guise of rebuilding your credit. Good luck to all and fight the good fight beyond this site!

In 2006 FNB of Marin sent me a credit card with a $300 credit limit. When I received the card,it had $50 on it. I sent the card back and never made a purchase. I was told by FNB of Marin I would still be liable for the activation fee, annual fee totaling $250 and cancellation fee of $40 plus $3 service fee. I did not understand why I had to pay this if I never used the card and sent it back. However, FNB of Marin turned it in to a collection agency that placed a judgment on my credit report.

I called and after going back and forth with threats from Marin, I paid them $293.00. They never sent the information to Lyric Company LLC and the judgment was never lifted. I contacted the Lyric Company and was told I know owe $1093.00 since the account has incurred interest. I was informed unless I pay the judgment, it will remain on my credit account. I need to know what I can do legally to stop these loan sharks. How am I now responsible for $1093 and I paid $293 on a credit card that only had a $300 credit limit and I never used?

I am being harassed by 2 different collection agencies - 1)Portfolio Recovery and 2) I don't know the name of - but today was told I was going to be served with papers on situations that read basically the same as the other complaints. More than 10 years before the phone calls start; Portfolio has been calling me for at least four years which made it 11+ years past the date of last activity if there was any at all. The second company telling me that there is a payment from me in 2008. After this phone call - I called a lawyer to see what recourse I had because of the time frame. The only thing I really remember out of the three things is Bankruptcy which I refuse to do even if i could afford it.

I was glad to read from a former employee that these people prey on the disabled because that is what I am. I appreciate this person's honesty and they should not feel guilty about working for these people because they did not know how these people operated and I thank them for confirming what I already believed.

I paid off all may credit cards in march of 2007. Have not use one since. Within the last 30 days, collection service has been calling 3 times a day. I have not heard from the credit card company in years. The amount is 125.03.

I received an unsecured visa credit card through Bank of Marin approximately 11 years ago. The credit limit was only $250-$300. I had made my monthly payments and I am sure that I had it paid down under $100. Since then, I have remarried and moved to another state. I have always given a change of address when I have moved not trying to hide from anyone or any bills.

Bank of Marin has now, after 11 years, not hearing anything from them, now wants to try to collect over $900 from me and they will not send me a bill. Over a week ago when I heard from them, they wanted me to make two payments of over $500. I asked them to send me a bill for this so I can work it into my current bills but as of yet, I have not received one. They continue to harass me and my husband and only call on the weekends early in the morning. Since I have not heard from them in 11 years, due to their lack of sending me a bill or contacting me, I do not feel that I am responsible for this.

In 1999, I opened a prepaid credit card with First National Bank Of Marin. In order to open the account, you had to deposit with their bank $50. The contract states you will not pay a yearly activation fee and you're only allowed to use what you have on the card, i.e. if you only have $100 on the card, you will only be covered for $100. Well, after two years of having this card, I realized that my credit has not improved so I decided to stop using this card and called First National Bank of Marin to cancel the account. At the time, I still had $20 on my account. I didn't even care if they send my money or keep it.

I was not happy with the account. Since then I moved, joined the military and I finally bought my home in 2009. I then received a call from DRS collections. They state that I have a balance owed to First national bank of Marin of $1,562.42 and they are collecting on this dept. Of ,course first reaction is a curse and some response motions. I then after calming down them I had a positive $20 in my account if anything they owe me for interest earn. I further told them why after 8 years they now try to contact me.

I question them, "Is it so that interest can be accrued making it more appealing to them to recover?" Let's face it, why go after someone if they only owe $20. "Let's wait then charge them later for lots more." At this point, DRS was upset and hung up on me. i called them back. Told them why I have not seen this account on my credit report for 8 years. they hanged up. I did research and realized it was not just me who had this problem with them so have plenty others who have read this article. It's 2010 and they have my address and I asked to see their paper trail and now I am waiting. This company is a fraud. I am waiting to see what our government is going to do to this company and those who are helping them collect. This is why I am reporting my troubles with them to the Consumer Affairs seeking help. Can you help?

I have been fighting with Credit One Bank for 2 years now. They took me to court and lost. They consistently try to sell off this account to others, but when I verify their non-existence, they change the name to fictitious collectors. I called the noted phone number and sure enough, Marin Bank is Credit One, being covert and coy again. I have never had an account with these people, but they insist on reporting to the credit bureaus. Something has to be done. They are reducing my score to the 600's where usually it's over 800. Please help! If you are a consumer, beware and take notice. They have destroyed my credit and they make it impossible for me to get work now.

I received a letter from this collection agency saying that I owe a balance of $1089.68 to FNB Marin and I stated to them that I have never had a credit card with this company and that I pay cash for purchases. They had 2 addresses on me which were wrong, and they also had me down working for the state of Oregon which I have never worked for the state they had my name wrong.

I was told that in 1999 or 2000 is when I had the credit card and that I made payments on it for a year and then stopped. I told them once again that I have never had a credit card from FNB. I don't know what they didn't understand. I pulled all 3 of my credit reports and there was no finding of FNB of Marin on my credit reports. I don't know how they got information of my b-day or last 4 numbers of my SS# it is really awful that people steal other folk's information and then run their scams, it is just crazy. I have never had a credit card from FNB of Marin. If I really wanted a credit card, I could have gotten one from my bank.

Yesterday I did a credit report online with Experian. Marin was listed as an original creditor, turned over to a collector. I've never heard of this credit card, let alone ever used it! They are billing me for $945. I would like to get to the bottom of this; I don't even have a job. Between this and my husband taking out credit cards in my name and maxing them out, my credit is shot, and my health is shot from the stress of it.

Had a card Secured through them many years ago. Closed the account and they sent me a bill on a secured card?? So Then I filed bankruptcy and they are STILL trying to collect on this. I called my lawyer. They are out of control. I didn't owe them anything. It was a secured card and I used it once later I placed a deposit of $250 on it!

Several years ago (can't remember date) I received a credit card from Bank of Marin with a $300 credit limit I used the credit card a couple of times and paid the balance in full when I realized the interest and fees were too high. At that time I returned the credit card to Bank of Marin with full payment of balance due and told them I no longer wanted the credit card. To this date, they are still charging me interest and late charges and the balance due they say is over $1200.

The credit card was returned over 5 years ago but they say I have to prove it. There is no way I can prove my case but I have not received a new credit card since I returned the original card so how can they keep charging me interest if an account no longer exists. At that time I was using my ex-wife's phone number as a call back number but since they have started calling regularly and harassing her she has told them not to call anymore. When she told them not to call her number anymore they asked what I was doing at her house (I happened to be there at that time) and she told them it was none of their business. I refuse to pay any amount because I have paid everything I owe them and the fact that I have not received a new card from them should prove that I did return the original card to them.

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...

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

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.

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.

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.

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.

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.

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!

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.

years ago bank of marin had sent me a credit card,i never trusted the card cause a family member had sued them for a false bill and won. i just received a phone call from some woman saying they won a judgment against me for a card i never used if my father who has the same name did so he has done such things before. this card i barley even remember. i think it was in 2000. im not sure but am sure they never mailed me any info besides the card so if someone could contact me for this mistake i would highly appreciate it. i have been working on my credit score something like this is illegal

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.

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.

I had a credit card with Bank of Marin back in 2005. I started getting frustrated with the constant changing balances (I would pay and my balance would be the same or higher) I would receive and closed the account. I paid off the final balance and I thought that was it. I got a letter recently stating I still owed them 300 dollars. I never received a paid in full notice.I called the collection agency and was told, if I didn't get a paid in full notice, there wasn't anything I could do. I refuse to pay these crooks any more money, I don't owe them anything!!!

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.

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 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.

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.

I paid off a loan during a refinance with them years ago, and now I am being dragged into court for a judgment by another bank/lawyer who supposedly bought my balance from FNBM. Have to go before a judge in a couple days.

I don't know what the consequences will be at this time, but I am probably going to be forced to pay it. Approx. 1,000. I don't owe.

I received a phone call today from a collection agency claiming I had an unpaid balance on a Visa credit card from the Bank of Marin. I have never heard of this bank and I have only one credit card, which is currently a secured card through my personal bank and that balance is current. According to the collection agency I had this card from 2001-2004 and the number they called me on was associated with the account. this is where I really started to worry, because the number they called me at was not my number until 2004 when I opened my phone account.

I started to question how they were able to link this number with the account and I was told the number was in the system at the time the account was opened. I tried to tell the agent the card is obviously fraudulent when he started accusing me of being a criminal because I am not paying on a debt. I asked to speak to his supervisor and she basically repeated everything the agent said then hung up on me when I tried to get contact information to the creditor and information regarding the account that was supposed to be mine.

I also could not get the name of the collection agency nor the names of the agent, supervisor or the contact number for the collection agency. when I tried to look up the bank of Marin I was told by the bank answering service that I had the wrong bank and I had to call the First National Bank of Marin. the name of the company given to me by the collection agency was the Bank of Marin not the First National Bank of Marin. Also, I recently had my credit pulled for the purchase of a vehicle and there was nothing on my report from a credit card company or a Bank of Marin.

I now think my information may have been hacked as well and I am a victim of identity theft for this past due credit card account. I was told by an IT specialist that once identity has been stolen the information can be used to apply for new credit and change past due account information to be tied to the victim which erases the real criminal account information and making the victim now responsible for the unknown account. I think this is the case with this bank account.According to the collection agency agent this balance is going to be applied to my credit report. I have not had this on my account before so now I am going to have a bad account reflected on my report for an account I never had.

I just received an offer in the mail from Credit One Bank for a Pre-Approved card with a credit line of up to $1000. The first thing I did was turn it over to see who the issuing bank was. Wouldn't you know, it was FNBM. I know to most people it doesn't seem like a big deal, but I know this company from the inside. I was one of their sales people. I was 18, in desperate need of a job, and I found this company right down the street from me who just so happened to be hiring. I interviewed and realized it was a sleazy telemarketing job.

While I trained, I was shocked about how much they tell you to sell sell sell!!!. Their 'scam' is simple: find people on disability, teenagers, and the poor. Tell them how you are going to help them get their financial life back on track. Whatever you do, don't take no for an answer. I worked for the company for a few months, I was eventually fired because I never sold a single card.

Before I left, our office was paid a visit to by the FBI. Apparently enough people had complained that this company was a scam, so the FBI finally decided to investigate. It took me 3 months of working there to fully understand what that company was doing. Long story short people: *Do NOT EVER accept a credit card offer over the phone. *Do NOT mail in a credit card offer, or apply online, BEFORE reading every single letter in that fine print. (The offer I just received clearly stated that when I receive the card, there would be $150 already charged to it). *NEVER hesitate to call the FBI! They were created to catch organized criminals, and that's what these companies are!!! I feel so sorry for all of you that are dealing with this. In the future, at the first sign of a scam (can't get through to a real person, no physical address etc etc) CALL THE FBI!! That's how you stop these people!!

I am forever living with the knowledge that I worked for this company. Granted, I was 18, and this was 13 years ago, I wish i had the foresight to call the FBI myself.

i am being charged for a credit card i never used.continued harassment by debt collectors.

About 11 yrs ago I aplied for a credit card with First National Bank of Marin. They told me I had fees to pay of appoximately rounding out to $150.00 with a credit limit of 200.00 dollars. When everything was paid into this credit card. I had 18.50 left on this credit card. I cancelled the card and was never refunded any money. I was harrassed for about 3 years after which each call became more and more heated. I told them to refund my money, the card was cancelled and that I NEVER USED THE CARD.

Now here it is 2008 I am recieving mail from Arrow Financial Serv. LLC, stating my debt is now 1501.09 and its owed to First National Bank of Marin. I check my credit once a year and faithfully like cancer they are listed as bad debt, causing me undue stress. I have contacted all 3 agencies to let them know its not my debt and I want to dispute it. I am told they have contacted Arrow and that the debt is owed. How can they talk to Arrow when I never get to speak to a live person in the last 6 months? I need your help!

I am told I have to pay this or a judgement will be placed in my name and my credit will have negative marks against it making it EVEB harder to get credit or fix my credit. I have been turned down for a new home JUST because of Them alone. I have high interest rates because of these and NO ONE REALLY ever checks them out.

I called about an account that was reported open under my name. she transfered me to another dept. and I receieved an answering machine.

I was resently told by the airforce that they were going to revoke my security clearance and or kick me out if I did not get this squared away.

I have had a credit card with First National Bank of Marin for several years - always paying on time. A while back I was told Credit One bought them out and my I was able to check my balance, etc on website. Now, all the web sites for FNBMarin AND CreditOne are no longer working. I even google CreditOne and am linked to their website which no longer works. I have send e-mails to every possible site I can find, with no luck. I have not received a paper bill from them in over three months, but have my account set up on an auto payment. I am working at sea right now and find it very hard to call. So not having a working site is very frustrating. I am trying to pay this debt completely off but am concerned about if or whether they even still exist. However, I am equally scared to hold a payment. I am hoping you can help or someone can share some information

I received a collection letter from Arrow Financial Services dated 9-2-08 stating that I owed First National Bank of Marin $1542.94,offering a settlement of $1,157.21. I dont think so this is a company in which i remember 11 years back and I have not accrued any debt with this company. Something just told me to look up this company and I can see I'm not the only person involved in this scandal...Something must be done about this and investigations letting us consumers know about this bank.

about eight yrs ago I aplied for a credit card with the bank of marin. They told me I had fees to pay of appoximately rounding out to $150.00 with a credit limit of 200.00 dollars when everything was paid into this credit card. I had little or no credit amt to spenf on this credit card. I cancelled the card and was never refunded any money.

now 8 yrs latter I recieve a letter from Pressler and Pressler debt collectors informing me I owe $950.00 to Midland funding llc a company that bought first bank of marin. I do not owe this money and now my credit will be ruined because of this I need your help

I am told I have to pay this or a judgement will be placed in my name my credit will have negative marks against it making it hard to get credit. I need relief.

first national bank of marin its putting a balance on my credit and i dont eve have a credit card with them or any other type of account with them

I recently recieved a phone call from a collection agency saying I owed First National Bank Of Marin $638.00 for a credit card I never had. Asked them what credit card was it and do they have any more information besides I just owed them money and how they got my phone number. He just said The computer dialed it up which doesn't make any sense to me. The mailing address wasn't even mine and I have never even lived there before. I now have to pay to check my credit report. I refuse to pay some bank I never delt with money I do not owe.

when I didnt recieve anything I didnt pay them, now I got another letter in the mail from them saying the judgement has been filed. When I calle and again asked for a signed contract the woman on the phone was like I dont have to give you anything. the court already acknowledged the debt as valid, I told her ok but I never even heard from you people until a month ago when you already claimed to file a judgement. so when wqs I notified prior to this to dispute the cliam. she said I will see you in court and hung up. Well if I have a judgement that will ruin my credit and since I am trying to purchase a house who knows if I will ever be able to know.

I keep receiving collection letters from this Asset Acceptance LLC company claiming I owe over $600.00 on a credit card through First Bank of Marin. I have no idea who this bank is and I never opened an account. I tried to explain this to the collection agency but they said I had to file a police report for identity theft.

I am tired of receiving these letters and I am not about to file a police report for a so called bill from almost 10 years ago. this agency cannot even give me any invoices charges only that the card was opened inSept of 1999.

After reading several articles where people have had numerous difficulties with this company why is noone investigating this bank and their credit card offers?

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.

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.

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.

I have paid the balance off 2 times now. I was told after 6 months the amount would increase. I have never been reviewed. I also pay online about the date it is due and keep receiving the notice it is late. I don't understand how it can be late if it is due on the 28th of the month and I pay on the 1st? I received a bill on the first of the month when I didn't even start the card until the last of the month....go figure!!

I am on SSD and SSI and the fact of charging the late fee every month is a hardship on me due to balancing my budget. By the time I get the bill and pay it I have another $29.00 due for late payment. On my budget I can only pay so much. I am never going to get it paid!

Almost ten years ago I got a secured credit card through Bank Of Marin. i decided about 6 months after having the account that I would cancel the account. It was one that you had to send money in with to be able to use the card. I sent in the money and used the card. When I decided to cancel the account they told me to write a letter and cut up the card and send it in and they also said that the deposit that I made would cover any charges on the card, that I had nothing to worry about.

A few months after that I started getting phone calls from them telling me that my balance was over $900 and that I needed to not make my truck payment and send that money to them, and hope the company that I got the truck from didn't repo my truck.

Now it is almost ten years later and I haven't heard anything from anyone, until almost two weeks ago. I get a phone call from a lawyers office and they tell me I now owe $1300 and that if I don't pay they are going to take me to court.

They don't want to offer me a paper trail, and after almost ten years, I don't know if there is one. I feel that I don't have to pay anything on this and they were rude to me.

If you decide to get a credit card don't go through these guys.

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.

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.

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.

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.