Complaint Review: First National Card - CCA

I was in need of quick cash so I applied for a pay day loan on-line, thru One Click Cash (which I believe they are associated with First National Card). Once I was approved the money was deposited in my account but no soon after there was an amount for $49.95 removed from my account. I called my bank and they said, it was an electronic check.

Well, I didn't have any checks out there or authorized. The bank said they would send me information regaurding the deducted amount. The next day, I picked up the mail and their was a Credit Card from First National Card out of Las Vegas, NV. It stated I was approved for $6500.00 in credit. I kept reading and noticed it wasn't a regular credit card because it stated, " credit for shopping with us."

I put 2 and 2 together ( money out my account and this "credit card" ) and I decided to look it up on-line. Low and behold...there are a ton of people who have had the same thing happen to them from this same company. These were listed at, www.consumeraffairs.com and at, www.cardoffers.com.

I printed out everything I could find on this First National Card and drove to my bank. I spoke with the bank manager and she told me there was 2 things I could do. 1- leave my account open and she would personally watch it for the next few days for suspicious behavior (seeing I now have checks out there) or 2- Close my account and re-open another. Now, here I am in a jam with money in the first place and here are these people stealing my money (which I can't get back because it was an electronic check) and now I have to cancel the checks I have out there and close my account.

By cancelling my checks I take a fee from them and also late fees. When they took my money out, I had a check bounce and the bank charged me for insufficant funds. Now I'm up to $175.00 in fees including the money they stole from me. Plus the bills I have out there that I cannot cover now!

These people NEED to be STOPPED. We need to get together and put a class action against them, I know I may never see my money again but I don't want this to continue with others. I will be contacting the Nevada Attorney General about them and if you are one who has been SCAMMED, please, please do the same.

Sarah
Mattydale, New York
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.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

We are not lawyers.
We are not a collection agency.

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...the victims' advocate

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...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to read other Rip Off Reports on First National Credit