• Report: #349116

Complaint Review: CCS Credit Service Division

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  • Submitted: Wed, July 09, 2008
  • Updated: Sun, March 22, 2009

  • Reported By:Chateaugay New York
CCS Credit Service Division
P.O. Box 17800 Las Vegas, Nevada U.S.A.

CCS Credit Service Division, CCA, FIRST NATIONAL CARD, FIRST NATIONAL CORP RIPPING OFF YOUNG PEOPLE THAT DON'T HAVE A CLUE Las Vegas Nevada

*UPDATE EX-employee responds: Here is your Help

*Author of original report: CCS CREDIT SERVICE DIVISION P.O. BOX17800 LAS VEGAS NV

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I received a First National Card in the mail that I didn't send for in NY. I called to say I didn't want it. I don't remember if I was dumb enough to give them an account number I didn't have yet.They said I activated it 1/28/07. I moved to Florida 1/5/07. I was living in hotels. The last thing I was thinking about was something that I had thrown away.
In 10/07 my account in Florida at Bank Of America (they have sued them) started going haywire I am assuming it is CCS. My first CCS statement that I received states that a charge of $199.99 projected charges for 12/30/1899 (not a misprint).12/07 was the first I knew about this account. It also says I purchased and paid $595.98 balance due 12/28/07 of $199.99
So I called to cancel the account and the guy said he would cancel it. (not saying it had to be in writing). The next statement I received said no previous balance and payments of $297.99 made. New balance -$297.99 due 3/28/08. Next statement in April 08 states my previous balance is $199.99 + $297.99 (security benefit 99.99, annual fee 99.00, 2nd half annual fee 99.00). Balance $497.98 minmum due 4/28/08 $297.99. Last statement received.
I called again they said to get a police report and to close CCS account it had to be in writing. I sent this letter and all I have received since is a letter stating the account is closed with no future charges except pending catalog(never received) orders or late fees. I moved back to NY in 11/07 and closed my bank account before I left. They have changed their name yet again to First National Corp P.O. Box 46101 Las Vegas and I don't know what to do. HELP!!!!

Heather
Chateaugay, New York
U.S.A.

This report was posted on Ripoff Report on 07/09/2008 08:07 AM and is a permanent record located here: http://www.ripoffreport.com/r/CCS-Credit-Service-Division/Las-Vegas-Nevada-89114-6101/CCS-Credit-Service-Division-CCA-FIRST-NATIONAL-CARD-FIRST-NATIONAL-CORP-RIPPING-OFF-YOU-349116. 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 2Consumer 0Employee/Owner
Updates & Rebuttals

#1 UPDATE EX-employee responds

Here is your Help

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

ok here is what I can suggest,The company was shut down last year by the FCC and the Attorney General,if for some reason you are still getting charges from this company and they are still taking fees out of your account,my suggestion is to call a lawyer and file a lawsuit,I being a former employee with the company know the inside and out of the company and still remember alot of what they wanted us to do,and thats basically rip people off for their money because the charges that they charge for are not really charges at all cept for money to go into the owners pocket,come on now,$500 for annual fees and protection fees,now i can understand if they were only like $3.00 for all those fees which is understandable like what most credit card companies do,but all the owner is really doing is charging you for the catalogs that come out and the fees to make all the credit cards and all for a card for a bank that they own so that they can take all the money and put it into an account for them...
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#2 Author of original report

CCS CREDIT SERVICE DIVISION P.O. BOX17800 LAS VEGAS NV

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

IT IS NOW NOVEMBER AND I HAVEN'T RECEIVED ANY NEW STATEMENTS FROM THEM BECAUSE THEY ARE CHANGING THEIR NAME AGAIN. NOW I AM RECEIVING BILLS FROM BANK OF AMERICA COLLECTIONS (CLIENT SERVICES) FOR ALL THE OVERDRAFT FEES THAT THEY DID TO MY ACCOUNT. THEY CHARGED MY ACCOUNT 3 TIMES WITH MY MIDDLE INITIAL AND 3 TIMES WITHOUT FOR 3 MONTHS UNTIL THE BANK CLOSED THE ACCOUNT EVEN THOUGH I CLOSED MY ACCOUNTS BEFORE I LEFT FLORIDA LAST NOVEMBER!! I AM SURE NOW THAT I OWE CCS $15 FOR EVERY 28 DAYS THAT HAS GONE BY ALSO PLUS THE ORIGINAL AMOUNT. PLEASE HELP ME I DON'T KNOW WHAT TO DO. IS IT LEGAL TO CHANGE COMPANY NAMES AND STILL BE ABLE TO COLLECT?
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