Complaint Review: CCS Credit Services Division

In Late January I recieved a call from a gentleman trying to re-establish my credit. I am only 19 years old, so I did not have much credit to begin with.

The offer seemed good enough, a $7500 credit limit. The just needed to debit the membership fee from my account to get started. I foolishly agreed. I don't not remember exactly how much was debited, but I will be getting all of that together for legal action. They debited my account the amount that was agreed upon.

I was sent a package, with a useless catalog. I looked through it and found nothing satisfying. I through it under the bed thinking nothing would ever come of this.

I believe in May of 2002 I checked my bank account online. There were three seperate debits for 49.99 a piece on my account. This caused me to bounce 2 checks. I call my bank to dispute charges and filed the correct papers to recieve my money back. I also refused any more debits from CCS to my account.

I then called CCS in early June to cancel my account. THe told me then that I can only cancel with a zero balance. At that time I had around $150 charged on this account I had never used for "benefits" I had never even been told about. I asked why they had debited my account and the CSR said I would have to take it up with benefits dept.

I then called the benefits dept. and requested to cancel these benefits that I had recieved without my knowledge so I could close my account. The person assured me that it would all be taken care of.

I just recently recieved a bill in the mail from CCS stating that I owed them $268 and that they wanted a payment for $149 as soon as possible. The bill also stated that my AUTO-PAY was turned off and I needed to turn it back on.

I spoke to a VERY rude CSR about the present staus of my account. She treated me like I was an idiot and like I did not understand what she was saying. I tried to explain my situation and all I recieved was attitude. My Fiance had picked up the phone and heard her being rude, so I am not the only one that heard it.

I then asked to speak to a manager about the situation. I was given to an even more rude man who I feel treated me like I was very dumb. I told him I had asked to cancel the account back in June and that I was not going to pay the bill. He then told me that the computer showed that I had never called back to the benefits dept. because there were not notes stating that. He told me a message was left for me on June 13 at my residence at the time. I never recieved a message regarding this. He kept repeating all this information like I was an idiot and never listened to what I was trying to say. He told me even if I cancelled my benefits I would still have to pay the membership fee that was on my account.

I got the number for the benefits dept. from the man and to date have gotten NO answer on that number whenever I try to call it. This situation is totally humiliating to me and if there is anything anyone can do please let me know. Either way I will be taking legal action in this matter.

Benjamin
Virginia Beach, Virginia