CCA Credit Services Division - First National Card - Capital Credit Alliance CCA's fradulent promise of a credit card & absurd customer service! Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you

This whole nightmare began when I wrote a letter to CCA to cancel my account # 700010003847711 last year (2006). CCA then proceeded to charge my checking account in the amount of $99.99 twice and $99 once. I then called them extremely upset and told them that I had sent the letter for disconnection and they quickly stated they never received the letter. I told them that I did NOT want the service and to please disconnect it. I had already learned that it was a fraud when I got no credit card, but rather gave me some sort of card to purchase merchandise from their catalog. They refused and insisted for me to resend the letter. The issue was then escalated to a Supervisor who kept telling me they would not disconnect the account. I pleaded with her then, as I did recently, that I needed the money that was taken from my banking account. After much deliberation, I got off the phone when the female Supervisor stated she would call me back as soon as something could be done. She never did and I figured they had cancelled the account.

On, June 8, 2007, I went to buy groceries and my card was declined. When I got home, I got online and looked at my bank account and noticed that CCA once again charged me for $99.99 twirce and $99 once on June 4, 2007. This to include 3 $34 overdraft fees. Let me add that CCA never sent me a monthly letter, for the entire year, indicating the account was still active or sent a letter asking if I wanted to renew my membership. I called CCA and spoke to Joyce EMP #65980. She began asking for my account #, which I did NOT even know. Finally she was able to pull up the account by my name and began verifying the old information on my account. I was upset by this point for her consistent tone of "not caring" on her voice and asked her to just disconnect the account. She stated that she saw I had called in earlier in the morning from the notes on the account. I then told her that the last time I called was last year. She laughed and agreed with my comment. This continued to frustrate me as she said that she would help me and placed me on hold. She started reading the instructions for disconnection and offered $200 credit if I stayed with CCA. I said no and to disconnect the account. She then asked why I would not take the offer. It drove me nuts! I told her once again that I did NOT care for CCA's products or services and to just cancel the account. I asked for a Supervisor when she became combative and began reciting the disconnection instructions to me again...saying that she was helping me. I then spoke with Manager Michael EMP# 58576 about my situation. He started doing the same thing Joyce had done. I told him to please just help me disconnect the account or refund some of the money so that I may feed my family. He said no exceptions could be made. I then asked for a fax number to send the Letter of Cancellation, but he would not provide it.

I have to admit that although the rates and agreements were steep, I would be able to take care of some debts with the credit cards. When I did not receive any as I was led to believe, I still gave CCA a chance for the fact that I wanted to help my credit. That all went out the window when they began charging me for membership and services that I was not even using. To conclude, even CCA's customer service not only does NOT help you, they make it hard for you to disconnect. I am not sure as of what to do now...just wait until May '08 to send another Letter of Cancellation. I hope there is an organization or someone that can bring CCA to justice so this doesn't happen to anyone else.

Jesus
Alvin, Texas
U.S.A.

Click here to read other Rip Off Reports on CCA CCS Credit Service Division aka First National Credit

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!

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