Interesting, no one at this place seems to know who the boss, Jack Schofield (President of the company mind you) is (by name, or otherwise.) When asked, some guy in the background said he, "doesn't take those kind of calls" because it makes him too angry!?! It sounds like a sweat shop zoo in the background. I guarantee if this place was in California, they'd all have been behind bars after the first couple of times they were busted... I suppose Las Vegas is a little slower, or perhaps has bigger fish to fry.
This is a no-brainer operation set up in a small office with a phone bank of people just itching to take your information, your bank account information. They will not give any INFORMATION ABOUT THEIR CATALOGS, ETC. WITHOUT YOUR BANK INFO!
WHAT ABOUT THOSE PEOPLE WHO ARE RIPPED OFF BY THESE PEOPLE EVERY DAY? Can you say "Mail Fraud?" I'm sure every person that has fallen to this scam can, and loudly!
The BBB has this to say about this place (God forbid you are even considering giving these people the time of day!)
BTW, it seems all these numbers go to the same phone bank with persons who've newly moved to Las Vegas, persons newly out of prison or jail or whatever... There seems to be only 1 goal, and that is to get your $200 (or $199.95 as I was told on the phone) out of your bank account, and after that, it seems that cancelling, getting anything out of these people, even a catalog, is a miracle for many who have posted here and elsewhere. The attorney general's office has had 77+ complaints in the last 6 months (for those who know to even complain there, and wonder if that is the case, why the attorney general hasn't done anything about it???)
These people require 30% down on apparently outdated, and HORRENDOUSLY overpriced!!! You could get the same things for the down payment in many cases, so why even THINK about paying to shop with these people???
I have some updates for the info from the BBB
apparently Jack Schofield is no longer with the company; human resources number is (702)732-1708 Maureen to set up an interview for employment; (702)260-8333 - menu # credit-ready system
1 to place an order
2 cash on demand - "All our respresentatives are busy helping other customers" (repeated)
3 hear about their most popular products
4 complete catalog library list (for catalog codes 01-general catalog (World of Products), 02 features TV personality & Author Justin Wilson on cover)
5 reach customer service
6 associate benefits hotline
If don't have a touchtone phone... (800)760-4045
(800)760-4045 Customer Service (according to catalog dept.)
(702)697-5278 "All our respresentatives are busy helping other customers" (repeated)
(702)697-5280 Corporate offices
(702)733-9400 no longer in service
(702)734-1212 newer "get your money out of your bank information mill"
(800)227-7056 newer "get your money out of your bank information mill" (toll free)
(800)636-0076 another "get your money out of your bank information mill" (toll free)
Human Resources (702)732-1708 Maureen to set up an interview for employment...
Well, I suppose it wouldn't be such a shady business if they just charged a fee for a catalog & let you order.
Instead, they have locked up $200 of whoever takes the bait, PLUS $99/year, as well as apparently inflated prices!?!?
Maybe not exactly 'fraud' but whoever bites may expect to be bitten back with large fees, and there might be fraud anyhow, since there is a limit to the amount of 'interest' a company can charge anyone. A few companies that cash checks have gotten in hot water over very similar stuff...
Anyhow, here's the info as it was posted on the BBB Las Vegas web site 01/28/03...
BBB Reliability Report
Capital Credit Alliance, Inc.
1050 E. Sahara Ave. #402
Las Vegas, NV 89104
Original Business Start Date: August 1997
Type of Entity: Corporation
Principal : Jack Schofield President
Customer Contact: Maria Paredes
Phone Number: (702) 734-5500
Type-of-Business Classification: Mail Order & Catalog Shopping
As of January 2004 the Bureau has processed 780+ consumer complaints on this company within the last three years or since its inception of business, whichever is less. The company has an unsatisfactory rating with the Bureau for eliminating the basic cause of consumer dissatisfaction.
Additional Doing-Business-As Names: CDS
CMM (Previous DBA)
Consumer Money Markets (Previous DBA)
Continental Direct Services
Credit Service Division
Additional Addresses: P.O. Box 46101, Las Vegas, NV 89114-6101
Additional Phone Numbers: 702-260-8333
Additional File Information
The Bureau has received correspondence that Capital Credit Alliance, Inc. solicits a card with the logo, "First National Membercard" and the consumer is pre-approved for a $6,500 unsecured credit line, authorized for Capital Credit Alliance, Inc.'s catalog purchases only. The information accompanying the card indicates there is a $200 activation fee and $99 annual fee. The company only leaves a P.O. Box to be contacted at, also the information requests that the consumer call an 800 number to activate the card and all of the charges would be debited from the consumer's checking/savings account.
Las Vegas, Nevada
U.S.A. Click here to read other Rip Off Reports on Capital Choice Consumer Credit - Choice Consumer Credit aka E-Credit Solutions CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information. STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, it's paid for!