I also, as many others have, received the unsolicited letter from CCA/First National Card. After reading the letter, I understood what it was trying to make you think. Of course, the first thing I wanted to do was see a website or a catalog of what products this was supposed to entitle me to, along with pricing. Nothing available! Luckily, I did a web search to learn more information on this terrible company taking advantage of people.
One recent update on this site stated that the owner, a Mr. Kelly (I think), recently agreed to a settlement payment to the FTC for his practices. What really bothers me is that I don't understand why they just didn't put him out of business, or some other authorities use the information that no doubt came out in that hearing to launch a criminal case against him. The update listed was in September.
Per the information on my letter, "The information described in this letter is accurate as of the date of printing October 23, 2007". So, we see that this fine has done nothing to change this company from their dreadful tactics and outright abusing the good citizens of this country (maybe other countries too!). My letter reads exactly the same as what others have described throughout this site, so once again, either 1) The FTC was only interested in getting its money from him and didn't care to draw up specific guidelines that must be followed by this company (which they would never meet); or 2) The company simply doesn't follow any guidelines and is in violation of something that came out from the settlement.
I am upset enough that I received this unsolicited letter with my personal information on it. What I am more worried about right now are the multiple reports of those people that never called in to the phone number, yet somehow their bank accounts were still debited! This is very disturbing to me, and you can bet I will be following all my banking transactions very closely (which I already do anyways). I hate having to spend all this extra time that I should be spending with my darling (almost) 4 year old daughter, just to keep reviewing my information to make sure this company doesn't screw things up for me!
Sorry for rambling on, but I really need more direction on how I can stop this company from taking advantage of others. These type of people are some of the lowest life forms on earth (in my humble mind) and I want to do everything to not only stop them from hurting others, but also punish them for their acts, by hopefully getting authorities to bring about criminal charges and throw their butts in jail! Any suggestions greatly appreciated. I will be hanging onto this letter for awhile, just in case something happens to my bank account.