I received a phishing letter in the mail from the chief consumer banking officer, Barry C Robinson with first national bank and in the letter it stated and I quote"ACCEPT YOUR FIRST NATIONAL BANK HOME EQUITY LOAN TODAY! and it was written in red bold print. Everything in the letter looked good to help me get all my credit cards and loans all reduced to one monthly payment so I decided to check it out. First I called the kitty hawk, NC branch that was listed in the flyer and a woman answered my call she was not very forthcoming with any info and she didn't seem too eager to help me. She told me she would email me an application but she never did. So I went down to the haha head office to talk with someone in person. I spoke to Mrs Costa and she was very friendly. I explained to her that I was interested in finding out more about the loan offer they were implying that I was pre-approved for. The letter said I was pre-qualified for a home equity loan at 3.84% with a payment of 282.92/ mth but as I spoke to Mrs Costa she seemed surprised by the offer I received and she began to tell me the interest rate would probably be more than what was on the letter, I realize now that that should've been a red flag to me to get up and walk out but like most American that pays their bills and makes good money I talked myself into staying to see if they were scamming people to apply for a loan just so they could turn them down so they could get my information so they can sell that to another company. Well, unfortunately, that was the case and yes with a 690 credit score and a job that pays around 50,000/yr and about 75,000 worth of equity in my home I was turned to down for the loan. The only reason they gave me for denial is that I was late on some credit card payments when my business that I owned was going through some financial troubles but they didn't care that I went through a tough time losing my business. It appears to me that they just wanted my personal info so they like all big corporate companies that scam you to provide your info so they can make a profit off it and it didn't cost them anything to get the info but let me warn you this is what they won't tell you: if you have a late payment on your credit report YOU WILL BE DENIED so don't fall for FIRST NATIONAL BANK MAIL PHISHING SCAM TO GET YOUR INFO. YOU WILL TAKE A NEGATIVE HIT ON YOUR CREDIT REPORT WHILE PROVIDING ANOTHER BIG CORPORATE BANK WITH FREE PERSONAL INFO FOR THEM TO MAKE MONEY ON. I would never do business with the first national bank. AMERICAN PEOPLE DONT LIKE BEING LIED TO FOR CORPORATE GAIN. If the bank manager that had been working there for 20yrs really cared about the customers that were replying to the phishing letter that was mailed she would've asked me questions to prevent me from taking a negative hit to my credit rating but obviously they were just out for my info and the only way for them to have my info to sell for money was to get me to apply for a loan then deny me so they would have my info. So in closing don't fall for the phishing letter you get in the mail saying your pre-qualified for a loan based on info in your credit report.
Bad experience with a loan
I received a phishing letter in the mail from the chief consumer banking officer, Barry C Robinson with first national bank and in the letter it stated and I quote"ACCEPT YOUR FIRST NATIONAL BANK HOME EQUITY LOAN TODAY! and it was written in red bold print. Everything in the letter looked good to help me get all my credit cards and loans all reduced to one monthly payment so I decided to check it out. First I called the kitty hawk, NC branch that was listed in the flyer and a woman answered my call she was not very forthcoming with any info and she didn't seem too eager to help me. She told me she would email me an application but she never did. So I went down to the haha head office to talk with someone in person. I spoke to Mrs Costa and she was very friendly. I explained to her that I was interested in finding out more about the loan offer they were implying that I was pre-approved for. The letter said I was pre-qualified for a home equity loan at 3.84% with a payment of 282.92/ mth but as I spoke to Mrs Costa she seemed surprised by the offer I received and she began to tell me the interest rate would probably be more than what was on the letter, I realize now that that should've been a red flag to me to get up and walk out but like most American that pays their bills and makes good money I talked myself into staying to see if they were scamming people to apply for a loan just so they could turn them down so they could get my information so they can sell that to another company. Well, unfortunately, that was the case and yes with a 690 credit score and a job that pays around 50,000/yr and about 75,000 worth of equity in my home I was turned to down for the loan. The only reason they gave me for denial is that I was late on some credit card payments when my business that I owned was going through some financial troubles but they didn't care that I went through a tough time losing my business. It appears to me that they just wanted my personal info so they like all big corporate companies that scam you to provide your info so they can make a profit off it and it didn't cost them anything to get the info but let me warn you this is what they won't tell you: if you have a late payment on your credit report YOU WILL BE DENIED so don't fall for FIRST NATIONAL BANK MAIL PHISHING SCAM TO GET YOUR INFO. YOU WILL TAKE A NEGATIVE HIT ON YOUR CREDIT REPORT WHILE PROVIDING ANOTHER BIG CORPORATE BANK WITH FREE PERSONAL INFO FOR THEM TO MAKE MONEY ON. I would never do business with the first national bank. AMERICAN PEOPLE DONT LIKE BEING LIED TO FOR CORPORATE GAIN. If the bank manager that had been working there for 20yrs really cared about the customers that were replying to the phishing letter that was mailed she would've asked me questions to prevent me from taking a negative hit to my credit rating but obviously they were just out for my info and the only way for them to have my info to sell for money was to get me to apply for a loan then deny me so they would have my info. So in closing don't fall for the phishing letter you get in the mail saying your pre-qualified for a loan based on info in your credit report.
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