First National Merchant Card took advantage of my 19-year-old nephew in Indiana by giving verbal instructions different than what contract/terms states. Las Vegas Nevada
On August 7, 2003, my nephew activated what he thought was an "interest fee credit card." (He's 19, lives in Indiana, and wants to start building credit.) He was told by a Jessica Castello that he had 2 weeks to cancel the trial membership. However, on the printed terms, it states he will be charged $200 after 8 days, but he has 2 weeks until payment is due.
He called August 15, 2003, to cancel his membership and was told he did not cancel in time and will be charged the $200 from his checking on August 22. Apparently, they counted 8/7 has his first day and he should have called 8/14 to cancel in time. Remind you, my nephew was TOLD he had "2 weeks to cancel."
I called the Activation Line 800-277-7056 (via conference call with my nephew) and when I tried to get specific information on who I discuss this matter with, I was put on hold. While on hold, I discussed with my nephew how rudely we were being treated, and I can see why he would want to "wring their necks" for getting him into this situation. Unbeknownst to me, the woman was listening, got on the phone, and said I was threatening her and she had to terminate this call immediately.
When I called customer service to get further information (via conference call with my nephew), I was instructed by Josh, employee ID #24145 (customer service manager), that my nephew had to submit a letter in writing if we wanted the physical address, Employment ID number, and the business license number. I tried to explain to Josh that all we wanted to do is obtain information for further research in this matter, and Josh gave me attitude and became defensive. Josh would not give me any information over the phone.
I had already researched ripoffreport.com and brought this to Josh's attention, and his response was "Walmart and other company's are listed on those Web sites, too." So Josh is well aware of what is happening and does not care.
He told me that my nephew had approved an "electronic contract." When I asked what that was, and how I could obtain a copy, Josh told me to submit the request in writing.
Oh, and Josh would not give out his last name or any other names of his "customer service" department.
This company is taking advantage of those without credit or those wanting to re-establish credit and should be stopped based upon how we were treated. Regardless if First National Merchant Card or Consumer Credit Alliances or Associated Benefits has "terms" that state what they do is legal, they purposely keep information from the consumers and play a tap dance to keep you guessing.
Shame on them!!!
Marge
Santa Monica, California
U.S.A.
1 Updates & Rebuttals
Robert
Dale City,Virginia,
U.S.A.
To Marge: Keep fighting these dirtbags.
#2Consumer Comment
Tue, August 19, 2003
Marge,
File a criminal complaint with your local police!!!!!Do this ASAP!!! Then file a complaint with the FTC. Then file a complaint with the FBI!
Next go to your local TV consumer reporter and tell them the story. Most important Marge is go through all the other complaints about this same compnany on this Website. Take the time to browse through the various catagories of complaints and find out what companies are doing what to who.
Unfortunately what you probably talked to was some half wit in a phone bank. These people have no idea who they work for and usually read from a scripted list of responses..
and no matter what number you call, it's always going to be customer service and nothing else.
Right now, there are so many phone scams based in Nevada that it isn't funny.
If Nevada doesn't watch out, they're going to be the SCAM Capitol of the world instead of the Gambling Capitol.
Also, contact your local Disrict Attorney and report the crime.
But never give up. That is how these people win.
They stall you via the phone knowing that most everyone gives up after 1 or 2 weeks.
Don't let them win.
And warn your son of all the current credit card scams that offer him a Visa or Mastercard for a fee rannging from $187.00 from FREEDOM RESOURCE/LENOX CAPITOL ETC. ETC. to a whopping $298.00 from Royal Credit aka Dynamic Credit aka First Choice Tele aka IMF aka IMS aka Royal Credit Services aka Dynamic Credit Services aka First National Credit Card.
Try calling the phone number you have and asking for a RUTH ADAMS! Tell her Bob says hello! Browse through the reports on Royal Credit and the rest and you'll see that I've been battling these lowlifes for several weeks. The only difference is that I'm going after the entire bunch of lowlifes pieces of trash! They stretch from Florida to Canada.
IMPORTANT::::AS FOR GETTING HIS MONEY BACK, FILE A DISPUTE WITH YOUR BANK OVER THE TRANSACTION. THYE HAVE TO RETURN THE MONEY TO HIS ACCOUNT! WHEN YOU DISPUTE THE TRANSACTION, THE BANK INVESTIGATES. THEY'LL REPORT THE FRAUD TO FEDERAL AUTHORITIES! THEY HAVE TO.
ALSO, SINCE HE WAS TAKEN BY THIS FIRM, THEY'VE EITHER ALREADY SOLD HIS NAME AND ACCOUNT INFORMATION. tHEY WILL SELL IT! or THEY'LL PASS HIS NAME OFF TO SOME OF THEIR OTHER SCAMS.
FIGHT THEM!!!!
HOPE THIS HELPS!