- Report: #107893
Report - Rebuttal - Arbitrate
Complaint Review: CCA Catalog - First National Card 1
CCA Catalog - First National Card 1P.O. Box 46101 Las Vegas, Nevada U.S.A.
CCA Catalog - First National Bank Of Marin Ripoff, SCAM, Fraudulant, Theft, Stole $200, Illegal, Unauthorized checking account deduction Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!
I called many times to cancel, but they absolutely would not & wasted hours of my time over & over. They assured me that no money was needed in the end - while talking to a supposed Supervisor. They said they could not & would not invade my privacy, but that they would only send me a free catalog.
Upon 1 of my many calls to cancel - they stated that all they do is send in a positive credit rating monthly to 3 major credit bureaus - so, I had nothing to lose???? WHAT A FRAUDULANT SCAM!
I am a disabled woman with a 12 year old son living on very minimal income & I explained that over & over when asking them to cancel. They even put me on hold & never returned to the phone.
I was told that I would never have to order anything, & that I would not be charged, and all I had to do was to write them a letter stating I did not want the "Benefit Package"! That was all. I wrote the letter. I sent it priority mail.
I heard nothing for several months, and suddenly noticed that 2 deductions had occurred out of my checking account - each for $99.99!
Yes, they stole my money! This is theft! This is wrong, and they should be held liable! They fraudulantly withdrew $200 from my account overnight! I was now overdrawn & had to pay for this $200 plus overdraft fees to my bank! THIS WAS ALL COMPLETELY UNAUTHORIZED!
We called them begging for help! They again put me on hold over & over & transferred me here & there with each person reacting the same way! STUPID is how they acted. They just kept saying that I could withdraw money from any ATM for up to $8000! They treated me & my husband & daughter on the phone like we were from another world & offered no help, and denied us a refund! They stated that they "Never received a letter!"!!!!!!!! LIES!
I have done everything I can do to end this horror scandal scam stealing my money! All I have left that I can do is to close my checking account!
This is so dreadfully evil, and I cannot believe these companies are even allowed to legally continue running what they call a credit card business!
IF ANYONE CAN HELP ME - PLEASE DO SO ASAP!
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
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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...by consumers, for consumers
Click here to read other Rip Off Reports on CCA Home Shopping Network
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.
This report was posted on Ripoff Report on 09/10/2004 09:54 PM and is a permanent record located here: http://www.ripoffreport.com/r/CCA-Catalog-First-National-Card-1/Las-Vegas-Nevada-89114-6101/CCA-Catalog-First-National-Bank-Of-Marin-Ripoff-SCAM-Fraudulant-Theft-Stole-200-Il-107893. 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.
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