First of all, I am a widower with 3 young children. My wife passed away in July of 2006 of ALS.
The disease paid a toll financially and shortly after her death, I, like many others received information from CCA in the mail to receive a "no interest" credit card. I did not blindly call the number right away. I took the time to read all of the information provided.
Christmas was not far away and I figured that these catalog purchases could provide gifts for my children and other family members that I would not otherwise be able to provide.
I called the number for more information and received what seemed to be a very helpful service rep.
The hell began. I had given information to get things started, but did so knowing that I could cancel at any time within 10 days. Nearing the end of the 10 days, I decided not to continue membership. Financially, I was not in a position to pay the 200.00 membership fee. The day before thanksgiving, I attempted to call several times and kept receiving messages saying that their phone lines were down and to call back later. I became very nervous at this point.
Later that night I was reviewing my bank statements on line and I noticed that the 200.00 membership activation fee had already been withdrawn from my bank account. Yep, I was not able to cancel my account and now they have withdrawn money from my account before my free trial had ended. I had been scammed.
Needless to say, the check bounced and I received a 35.00 NSF fee from my bank. I called CCA and informed them that I wanted to cancel and that they had attempted to take money out of my account earlier than agreed. They blamed this mistake on my bank, saying that my bank should not have put it through. I was also told that it was withdrawn early because the following day was a holiday. Of course if you read there very own disclosures they include holidays and weekends in their free trial, so why the need to put it in early. I was then told that they would cut the member fee to 99.00 and waive the speedy service fee of 49.00 (approx). They also said that to pay for the 35.00 fee from the bank they would send an extra 200.00 voucher good towards any purchase. thats a laugh!
Entering into December, I was still worried about providing for my kids for Christmas, this their first Christmas without their mother. I figured that the 200.00 voucher would more than cover the bank charge. I then wanted a gurantee that catalogs would be received in plenty of time for Christmas. I was told that I would have them by the 14th of December 2007. My account was then debited the 99.00, but one catch. I NEVER RECEIVED THE CATALOGS! Catalogs that I was depending on for gifts. I fealt so bad for my kids. The 99.00 member fee could have went towards Christmas, but instead I had nothing, not even the catalogs. I became incensed, irate!
Christmas had passed and I was a week into January and still no catalogs. I made a phone call to the company and went through all the BS to finally talk with someone (by the way. if you plan on calling, designate 35 to 45 minutes of your day. there are no quick answers to your question. everything is read from a script from employees that have not been there long, and yes you have to listen to the entire script sometimes several times in the same call depending on how many people you have to filter through. it is absolutley nerve racking! I attempted again to cancel my membership, because I had received no catalogs. I just wanted to be done.
The supposed surpervisor I spoke with guranteed that my catalogs would be sent and received with 5-7 days and that he would include a voucher unlike most they send out of 200.00. A voucher that I would not need to send any money down just shipping and handling. This for all the problems I have had without receiving any services. I was also told that I could not cancel over the phone that I would have to do so in writing. I though this odd, because they were removing money from my bank account--early mind you without any written authorization.
3 weeks go by and still no catalog; what a nightmare. Im starting to feel like I cannot even cancel the account that I have made a huge mistake and that these scammers have my information. You see the information is given in a very tricky way. As soon as you have a complaint and need information you have to give them personal information including Full name, birth date (how many creditors ask for this with every call)SSN and bank information.
If you tell them that you will not give them this information, they will not go further and that your problem will go unresolved. Eventually, you give it to them, because how else am I able to cancel if I cant go any further in the call. I expressed my discontent with this loudly. I asked to go up the chain of command. I demanded to talk to someone higher in authority. The highest you can get is a floor manager who hears my complaint several times a day and could really care less.
I would contend that most people that call are complaining of the same things and that the floor manager or whoever they are, basically show up to work to handle these complaints all day. Another attempt to get the catalogs failed. I then faxed my cancellation letter of the benefits.
My account was debited 99.99 and 99.00 for the two special benefits that nobody would ever want in the first place. They know this. That is why everyone is set up with a free trial of these benefits. If you do not accept the free trial then you cannot go on in the process. And remember the information they are sending you is 8000 in credit and up to 1000.00 in cash with no interest. All you have to do is accept their free trial---so of course everyone does--I mean what can it hurt?
The free trial actually expires before you even get the catalogs, at least mine did. I was told that my free trial had expired and had never even received the catalogs to even benefit from any free trial---another laugher! Now I was being told that once again i would have to notify them in writing. Seems reasonable right? NO! The very people that have taken money out of my account early, broke promises as to when I would get the catologs and thus never received, put you through torture whenever you call, and consequently took more money out of my account to the tune of nearly 300.00 and will take another 99.00 out next month now have to be depended on to receive your letter and then cancel your account before they can remove any more money---once again laughable! all they have to say is that they never received your letter by mail or fax and now it your responsibility to go through whatever legal channels that they have not protected themselves against in your agreement, that you may never have received. They have caused me to bounce several checks that would have otherwise been covered had they not fraudulently debited my account.
You see this company is not in business to retain clients with legitiamte business practices. It is a corrupt company run by corrupt individuals that prey on those in a financial bind. It is a business built on how many people they can rook for 300-500 dollars and then be done with them and off to the next sucker.
I am not an attorney, but if I was, I would have a field day with their so called agreement. Remember, when they break the agreement--their own agreement, it can void the contract. It is time for a class action law suit going directly after CCA.
Obviously I could go on and on, but I will spend the rest of my efforts in recovering the money I have lost. I will get my bank involved and hopefully recover something. I will contact an attorney as well as other state channels. If anyone needs information from me or help. I would be glad to. email me below. CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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.