Complaint Review: First National Credit

I received the same letter as everyone else has. The one stating they'd give me a credit card with a credit limit of $15,000.
I don't know where they got my name and address, but that's not the point. I was searching the net and found this site, and I also went to the Better Business Bureau website and found out that this company has a bad rep with the BBB.
It so disgusted me that these idiots would pull a scam like this on people. In the BBB site, it said that FNC had to change the letters they sent out to reflect that this is not a Visa or MC, or any other major credit card, and that they have to state that if a consumer applies for their card, they have to MAKE IT CLEAR ON THE LETTER that the consumer can only purchase products from their catalog.

The mailing I received yesturday said ABSOLUTELY NOTHING to that effect. Just that I had guarenteed approval for this so-called "Gold Credit Card".

I was so appalled at this scam, I decided to write these morons a letter, and I included some of everyones reports that were posted here. I left off personal names and cities of where everyone is, and I included this website address.

Below is a brief excerpt from my letter to these idiots:

I received a mailing from you stating that I was guaranteed a gold credit card with a limit to $15,000.00. I of course checked your record with the BBB. I hope you do realize that you have a negative record with them. I also entered your so-called company name into the Internet, and came up with a site called ripoffreport.com. I am utterly appalled that you would scam honest people like you have. I feel fortunate that I have the common sense to check out companies like you before doing ANY business with them whatsoever.

I don't know where you obtained my name and address, but I can assure you that if I receive another mailing from your company, I WILL forward it and report you to the Texas General Attorney and also file probably yet ANOTHER complaint against your company with the BBB.

I thought you might find it interesting what some of the people you have scammed out of their hard earned money have to say about you. Many people would like revenge against you and your phony bologna company. Personally, I hope and pray that they shut you down and charges are pressed against you.

Following is just a sample of what people have said about your company (I, of course, withheld these peoples names. If you wish to know the names, go to the web site I mentioned above):

I received a letter in the mail like the rest of of the other people, a certificate stating that my husband had been approved for a 15,000 credit line. I thought that it was great so I went ahead and sent a check out for 37.00 dollars. They cashed it on March 2, 2001. and I have not heard or recieved anything. On the letter it gives you a verification number and everything to make it look legit. I would have never thought that it was a scam but like everyone else I found it odd that there was no phone number on the letter, that right there should have alarmed me. But I was naive enough to be trusting. Now I get on the internet to see if I could learn some more about the company and I find this! How disgraceful some b*****d is getting rich off of peoples hard earned money. And beleive me he will get caught sooner or later. I have a copy of the letter and will make sure that it gets on the news so other people dont get scammed also.

I sent my $43.00 Rush Processing Fee in exactly three weeks ago. I have yet to hear anything from them. They took my $43.00 and ran with it. That's okay though. I ran off photo copies of everything that they sent to me and everything that I sent to them...dated. I don't plan on just being a victim. I will be going to see my attorney first thing tomorrow and if I have my way, I will be taking them for a whole lot more than they promised to give me. I don't even want the credit card now. If they sent me one, I would tell them exactly where they could shove it. I will make sure that they realize that I don't play the roll of "scammee" very well.
I too send in my $37.00 to First National Credit, Aliso Viejo,CA
I received a bunch of papers and a plastic card and I returned all!!
I am still waiting for my refund!

On February 12, 2002, my husband and I received in the mail an offer from First National Credit. We had been Pre-Approved for a Visa Card with a credit Line of $15,000.00. All we had to do was mail a check for $37.00 which was for processing fees to obtain our Visa Card with 0% interest for the first 12 months. So, on February 12, 2002, we mailed our check #731 to First National Credit for $37.00. This check cleared our Bank on February 19, 2002, however, we have never heard back from First National Credit. We have tried to call, however, can never get a hold of a real live person. If this is a SCAM, we would like to find a way to obtain our $37.00 refunded back to us.

i received a letter in the mail stating that i was approved for a $15,000 credit card. it seem ligit so I sent in a money order for $43.00 for the rush delivery of the credit card. I waited a month and one-half and it never came. I called information for the phone number. I called the number they gave me for First National Credit and all I got was a recording and could not reach an operator. I opted to get on the internet and found out it was a scam.

All of the above was cut and pasted from the website. There are 35 pages in all stating how you have ripped people off. My heart goes out to these poor people and again, I sincerely that you are put out of business and criminal charge are entered against you and your two-bit company.

I sincerely hope and pray that you all get the revenge you are so justly deserved. If anyone wants more info on these crooks, just go to the BBB website.(I entered "Better Business Bureau" into my web browser)
My hopes and prayers are with you all.

Tracy
Houston, Texas

*UPDATED info ..Click here to find out HOW TO DEAL WITH PHONY CREDIT CARD RIP-OFFS **Get your money back, **Stop them from taking more of your money, **Stop them from ruining your credit

Click here to read other Rip-off Reports on First National Credit aka FNC Investments aka Bank Plus Credit Services aka CCA Credit Service Division aka CCS Credit Service Division

STOP! ..before you think about using the Better Business Bureau (BBB)... click here to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! When there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!