• Report: #232102

Complaint Review: CCS First National

  • Submitted: Mon, January 22, 2007
  • Updated: Tue, April 10, 2007

  • Reported By:marietta Georgia
CCS First National
P.O. Box 17800 Las Vegas, Nevada U.S.A.

CCS First National CCS (FIRST FINANCIAL) ARE CON ARTISTS IN DISGUISE! ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: "They think there slick"

*Author of original report: Is "CCA first national the same as "CCS first national?

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CCS sent my boyfriend this credit catalog card to build his credit. Since its hard to establish credit he signed up for the 2 week trial-which they want your social security # and bank acct # in case you stay with them.

He sent a fax to cancel- thats what they said to do. Thought everything was fine until his account was drained $298 from CCS and over another $800 to $1000 from London, etc around the same time.

Bank refunded money except CCS waiting to see if they would reverse payment. Them knowing there was numerous fraudelent activity on account. So he left account open with like $2 and they finally reversed payment.

Then he got a bill with the $298 plus 2007 fee of $99 and a $80 late charge totalling $477.98 and hes never used the stupid catalog. Oh by the way they said they never got the fax. So this is what you get to try to build credit,big bill for nothing. Were hoping they dont ruin his credit and all this for him trying to build credit he didnt have yet. WOW they were a big help. They better be shut down like real soon. Oh forgot to mention he lost his apartment due to fraudelent activity on his account which took a month to fix everything from "someone" obtaining his personal info, etc. Happy new year!!

marietta, Georgia

EDitor's Suggestions on how to get your money back!


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!


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.


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!

We are not lawyers.
We are not a collection agency.

We are Consumer Advocates.
...the victims' advocate

WE are Civil and Human Rights Activists

We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

Click here to read other Rip Off Reports on CCS Credit Service Division aka First National Credit

This report was posted on Ripoff Report on 01/22/2007 09:35 PM and is a permanent record located here: http://www.ripoffreport.com/r/CCS-First-National/Las-Vegas-Nevada-89114/CCS-First-National-CCS-FIRST-FINANCIAL-ARE-CON-ARTISTS-IN-DISGUISE-ripoff-Las-Vegas-Nev-232102. 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.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

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#1 Author of original report

"They think there slick"

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

CCA credit service division is the same as CCS(first national card). They had the nerve to send my boyfriend another card in the mail but it says CCA not CCS and it has a different P.O. Box and phone #. They also say cash on demand on the front of the letter in bold letters.

If you read the small fine print on the back all that is access to a check cashing company! They never quit do they?

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#2 Author of original report

Is "CCA first national the same as "CCS first national?

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

I've been looking on the links on the homepage and was wondering if "CCA first national" is the same company as "CCS first national. I was reading through there posts and it sounds like the same company. The only difference is the P.0. box # and CCA uses all different phone #'s from what I read. Just curious cuz if they are the same and you combine the complaints from both- then they have a s**t load of them.
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