Complaint Review: 1st NATIONAL CARD SERVICE

first national is a ripoff they scam you to get your money.first of all i recived a phone call,they told me that there were first national bank and that i quailfiyed for a credit limited up to 4,500 to help build my credit.i had to give 200 dollars first.i dint wont to do it cause i thought it was a scam she told me it was not a scam she sound so convincing that it was real she even talk to my mother and my cousin and told them how it works,she told me that i would recive a credit card in the mail and that i could use it at stores and atms were ever they take credit cards at.she said that i would have to pay 200 hundred dollars up front she said that i would get it back in vochers,she said i would get an exstra 50 dollars a total of 250 dollars in vochers to pay on my order.i talked to her at least 50 minutes on the phone she kept on and on intil i fealt for it.

i gave her my bank number,about three weeks later i got the information in the mail i open it,it was not a credit card it was card that said 1st national card service i read the imformation in the paplet and it said that it wasnt even a bank.it was a card service and it said that the card was for purchases form there catalog only.so i call them they put me on hold for a long time then they hung up on me then i called backed i got threw i told the lady this is wrong she dint tell me that this was a card service and that this imformation is total differnt from what she had exsplain to me and my mother and my cousin.i told her that this even wasnt a credit card or nothing of what she had talk to me about.i told her that was false adsmtizement i told her that i just wanted my 200 hundred dollars back she told me that it was non refundeble,she said that she had me on a tape recorder i ask her did she record the whole converzation she said nothing. then i ask her can i speak to her supervisor and i ask her what was her supervisor name was she said hetti then i ask her can i speak to her. she said her supervisor cant come to the phone and she stated that her supervisor will call me but she never did.i have tried to get in touch with these people but they keep hanging up.and i checked my bank statements and they are still taken money out of my bank every month.and i have never order any product or anything out these people catalog.and my bank said that they keep useing differnt check numbers to get money out of my account.they have took about 300 hundred dollars so far.

francina
Tabor, South Carolina
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.