• Report: #244357

Complaint Review: CCA First National Merchant Card

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  • Submitted: Mon, April 16, 2007
  • Updated: Mon, June 04, 2007

  • Reported By:detroit Michigan
CCA First National Merchant Card
P.O. Box 17800 Las Vegas, Nevada U.S.A.

CCA First National Merchant Card illegitimate company, fraudulant ripoff Las Vegas Nevada

*Consumer Comment: Thank you (CCR)

*Consumer Comment: LOL

*UPDATE Employee: Reps

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I'm a college student and I need some money.

So I just got an URGENT APPROVED credit thing in the mail from Merchant Card for $6,500 and No Interest EVER. (LOL) And I just activated it an hour ago. There was a plastic card that looked EXACTLY like a credit card in the envelope.

The card had the yellow activation sticker, 16-digit account number, and exp date with my name on it! One thing I didn't look at was the bottom right corner for some kind of authentic logo: VISA, MasterCard, American Express, Discover, etc.

I just didn't feel right after activacting it because the guy I was talking to, Kenneth, was probably the dumbest guy in the world.

Do you have a website? I asked.

Umm, hold on please, Sir, he responded.

But he didn't put me on hold, he just blatantly asked his coworker, Do we have a website?

And throughout the activation process, he explains, We're going to send you a card in the mail.

Wait, you're going to send me a card? I thought you already did. What am I going to do with the one I have here that you already sent? I asked.

When I was asking questions throughout the whole activation process he seemed very uneasy, agitated, and defensive for no reason at all. I was speaking normally.

SIR he said as he became all flustered, We'll go through any questions after the activation process, so I stopped him immediately and I asked him again very sternly and he calmed down a bit. He, once again, had to ask a coworker for the answer to that question. It seemed like a simple question to me.

The entire time, Kenneth was talking to me as if he were reading something. Oh wait, it was as if he were TRYING to read something; he couldn't read for SHIT! He sounded like one of those kids reading in class that you just want to shut up because he can't read.

I, for some reason, decided to give him my social security number, banking routing number, etc. (Please, spare me the pity. I know. It was stupid.) So he finally asked me for my e-mail address. I gave it to him, I said at g-mail dot com.

You mean that a with the circle around it? He asked.

Wow, this guy is so dumb. I thought to myself.

So he asked a coworker (again!) for help. How do you get that a with the circle around it?

I can hear people in the background, etc. so I interrupted him and said Shift 2 very clearly.

Thank you, sir, he laughed.

Yeah, whatever, I'm thinking to myself.

He was getting so much help from his coworkers (with my questions) that I even heard a man in the background say Do you want me to talk to him?

Kenneth, with a sudden colloquial change of tone, Naw man, I got this!

So after the Congratulations, Sir, You're Credit Card Has Been Activated speech, I heard his coworkers applauding! I couldn't believe my ears. I just felt very dumb after we hung up and I decided to research this bank online, and then I found this website.

Luckily, he said that I have another week to cancel the activation AND that is written on the letter I got in the mail. I am definitely going to cancel activation ASAP (like as soon as they open tomorrow) as well as notify my bank of this fraudulent transaction.

Hopefully all of my money will be safe.

So the moral of the story: They suck. I hope they all get the flu or go to Hell because what they are doing is just evil.

I will never make a mistake like this again for the rest of my life!

Kyle
detroit, Michigan
U.S.A.

This report was posted on Ripoff Report on 04/16/2007 07:22 PM and is a permanent record located here: http://www.ripoffreport.com/r/CCA-First-National-Merchant-Card/Las-Vegas-Nevada-89114-7800/CCA-First-National-Merchant-Card-illegitimate-company-fraudulant-ripoff-Las-Vegas-Nevada-244357. 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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REBUTTALS & REPLIES:
0Author 3Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Thank you (CCR)

AUTHOR: D. Robert - (U.S.A.)

Well, I too received this mysterious Credit Card in the mail. Monday June 4th 2007. I immediately went to GOOGLE (as many of you have) and started reading all of the results simply based on the Telephone Numbers!

Amazing, the numbers (800-717-1278 & 702-256-3000) matched up to not only CCR but to an array of different sites based in Mexico, China (and a few other places, I only went through 3 pages), moral. watch what you click on.

the update I have is that they have now gone to a 100% Telephone Automated system. Attempts for "0" or "00" from the menu did result in hang-up. I went all the way till "enter card number", entered in the card number and basically said "9" [screw this].

Additionally, the source for this mailing has come from an internet check/CC clearing house in which freely admits that "if there's any problem what-so-ever with clearing your transactions. your information is shared with a host of other companies." and [in my words] "there's nothing that can be done about it one this has happened."

how do I know this information? Well I had a transaction that went "oops", fed the original website with highly specific information with leaving a digit or two MISSING from my checking account. therefore specifically getting the attension of someone so I could pass the proper information. (particular way to spell name, etc) and "let it fly". Kind of Sneaky huh?

The one thing that I was not expecting was a phone call from a solicitor whom had my account information in their screens (mis typed, of course). This alarmed the flock out of me so I began researching and found out the critical information (stated in paragraph 2).

Well, all in all, everything went 100% according to plan, couple weeks later I got a letter in the mail that the transaction was pending my phone call. After the phone call and straightening everything out, all was made proper.

BUT let this be an ongiong lesson to everyone. Everyone who accidentally bounces a DEBIT transaction, beware that your information will be shared with unfavorable companies. These companies will vie for your money and or plague you untill you either give in or get so pissed off that the words "What was your name & company again? {artful pause} Thank you for your cooperation. You have been reported to the BBB and YOUR local authorities for harassment (or other meaningful charge) [eg: have been reported to your local tax IRS Office for full investigation] " (which I have not done as of yet, but it might be a direction to attack if you should feel inclined).

lastly, stay true to your word. If you threaten a company with action, make it your duty to complete that action so the company knows that YOU REALLY MEAN LEGAL BUSINESS.

Thanks again to RipOffReport.com for their existance! Truely one of the best & most informative sites on the internet. WAY TO GO GUYS! (ps: this scam has been going since 2001!)

D.R.
Traverse City, MI
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#2 Consumer Comment

LOL

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

I have a post under ccs first national -it is the same as cca. I know what you mean they put you on hold forever, sounds like your talking to a bunch of arabians. All they want is your account info. I like the employee response, that the guy was probably new and they all cheered for the crews good work - lol , ya good work at yet again taking someone elses money. They will take it out before you get the catalog.
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#3 UPDATE Employee

Reps

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

Sounds like you were speaking to a new rep that just got on the phones. New reps are usually worried of saying something wrong until they are more familiar with the program so they sometimes tend to ask supervisors in the background to make sure they are giving the right information if they are unsure. We can't mislead the customers about the program.

What you stated what you heard in the background was probably not directed twords him but twords the whole shift crew for doing good work (or something like that).
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