I received a mail offer of a free credit report from Lafayette Ambassador Bank, which I believe to be fraudulent.
However, the credit report is NOT free! If I understand the fine print in the offer letter correctly, I would immediately be charged a monthly fee of at least $9.95 in order to receive the offer form for a free credit report, but this offer would not arrive (and therefore cannot even be responded to) until at least four to five weeks after I sent in the response, meaning that I would, at the very least, be hit with one month's charge. There was no way to contact anyone by phone or email.

I sent a complaint by email to the vice president of the bank and then later to the bank president, neither of which elicited a response. No one at the bank new anything about the offer.

THIS IS NO WAY TO RUN A BUSINESS!!!