• Report: #128346

Complaint Review: American Credit, CCA, CCS, Capital Credit, Capital Choice, Titanium Blue, First National Credit

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  • Submitted: Thu, January 20, 2005
  • Updated: Mon, March 26, 2007

  • Reported By:Westminster Maryland
American Credit, CCA, CCS, Capital Credit, Capital Choice, Titanium Blue, First National Credit
P.o. Box 46101 Las Vegas, Nevada U.S.A.

American Credit, CCA, CCS, Capital Credit, Capital Choice, Titanium Blue, First National Credit, Etc ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: cancellations

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I got this card in the other day and i called it up and activated for free i was approved and it says i can use it for free up till 14 days and told me i had a $6,500.00 credit line, and a fee of $199. even through i have very bad credit cause i went bankrupcy last year over a credit card and some unpaided medical bills that i couldn't afford but any how i thought i would try this card out cause i wanted to rebuild my credit up like everyone else does that has bad credit problems. i haven't started using that card yet but after i made a stupid mistake of giving them my account number of my bank and SSN and when i did research now about and read all the rip offs i contacted my bank by email but if that don't work then i will go in the bank first think monday morning. i don't really know if i am doing this right or not buet can some one on here show me a sample of how to file a report on this Credit card company?


Rhonda Anderson
Maryland

Rhonda
Westminster, Maryland
U.S.A.

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

CLICK HERE to read about Credit Card Scams... find out how to get your money back. Consumer makes harsh but accurate statements. *Rip-off Report Investigation follow-up provides valuable information.

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!

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.

This report was posted on Ripoff Report on 01/20/2005 10:33 PM and is a permanent record located here: http://www.ripoffreport.com/r/American-Credit-CCA-CCS-Capital-Credit-Capital-Choice-Titanium-Blue-First-National-Credit/Las-Vegas-Nevada-89114/American-Credit-CCA-CCS-Capital-Credit-Capital-Choice-Titanium-Blue-First-National-C-128346. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on American Credit, CCA, CCS, Capital Credit, Capital Choice, Titanium Blue, First National Credit

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#1 Consumer Comment

cancellations

AUTHOR: Larry - (U.S.A.)

I joined this company and have not been at all satisfied with their services. I never get a good answer to my questions, they dance around the issue. Even when i did try to order merchandise in the cataloge, it seemed to be out of stock. I was told I was to recieve a new one , it never came . I never recieved ant of the merchandise that I ordered, and it was to be christmas gifts last year. Now I need to cancell my membership and I can not get ahold of them.
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