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.