- Report: #115564
Complaint Review: Ccs - First National Card - Nationwide
-
Author Not Confirmed
Why?
Ccs - First National Card
P.O. Box 17800, Las Vegas, NV 89114 Nationwide, U.S.A.
Phone:
800-279-6989
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
CCS ripoff They took $400 out of my account and I've never used their service. I even submitted an affidavit to stop them. I've never gotten a live person on their "customer support" line. Las Vegas, Nevada *EDitor's Suggestions on how to get your money back into your bank account!
This CCS company has ruined my bank account. They lead you to believe that you're getting a credit card when in reality its just to buy from THIER catalog of outdated merchandise.
I've never used the card yet and they've taken $400 from me in a period of 4 months, even after I submitted a complaint and affidavit with my bank to stop payment and attempt to return my money.
Two payments of 99.99 each came out of my account again, which they say is benefits. "Payment Security Benefit" and "Credit Shield Protection" How can they call these benefits when I've never used the card and just want to be done with them.
This has caused me to go into a negative bank account balance and screwed up my car payment among other things. On top of all of this they say to call their "customer support" line, but no one ever answers the phone. No one else on another CCS line will help you and they always connect you to the 1-800-760-4045 number, where again.. I've yet to reach a live person on the line.
The only way to get out of it at this point is to cancel my bank account and start a new one which involves changing over all of my authorized electronic debits like memberships, life insurance, etc. That still doesn't replace my $400.
I hope this helps more people out there that may possibly fall victim to CCS/First National Card. Please email me if there's anything I can help you with to prevent this from hurting more people. Contact me by using the rebuttal box below.
I hope by working together, we can put these people out of business.
Thank You
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Chris
Independence, Kentucky
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
[email protected]
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.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...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 CCS Credit Service Division aka First National Credit
I've never used the card yet and they've taken $400 from me in a period of 4 months, even after I submitted a complaint and affidavit with my bank to stop payment and attempt to return my money.
Two payments of 99.99 each came out of my account again, which they say is benefits. "Payment Security Benefit" and "Credit Shield Protection" How can they call these benefits when I've never used the card and just want to be done with them.
This has caused me to go into a negative bank account balance and screwed up my car payment among other things. On top of all of this they say to call their "customer support" line, but no one ever answers the phone. No one else on another CCS line will help you and they always connect you to the 1-800-760-4045 number, where again.. I've yet to reach a live person on the line.
The only way to get out of it at this point is to cancel my bank account and start a new one which involves changing over all of my authorized electronic debits like memberships, life insurance, etc. That still doesn't replace my $400.
I hope this helps more people out there that may possibly fall victim to CCS/First National Card. Please email me if there's anything I can help you with to prevent this from hurting more people. Contact me by using the rebuttal box below.
I hope by working together, we can put these people out of business.
Thank You
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
Chris
Independence, Kentucky
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
[email protected]
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.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...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 CCS Credit Service Division aka First National Credit
1 Updates & Rebuttals
Chandra
Olympia,Washington,
U.S.A.
Read the Agreement sent...
#2Consumer Comment
Thu, February 17, 2005
OK... I got a letter in the mail saying I could get this card. I called the number. I was on the phone for 45 minutes with these guys. They Thoroughly explained what the card was all about. They DO explain to you that it IS for their catalog ONLY. They also said that I had 12 days to read the info for FREE and within that time, call and cancel BEFORE the 12 days was up or they would take 199.99 out of my account. They also explain to me that I have a 30 day FREE TRIAL in those other 2 things and if I do NOT cancel within the month, they will deduct from my card 99.99 twice, one for each yearly membership. Therefore, I am aware of all the hidden costs and since I'm aware of it, it isn't so hidden. I asked questions. LOTS of questions. I had them explain it multiple times. I just got the package today and still have more questions before my trial period is up. All I'm saying is, READ the info they sent. READ ALL of it. If you don't want it, then the day you get it, call the number and say you don't want it. All of your conversations are recorded so therefore, they have you saying either yes, send it, or no, cancel. READ READ READ....
