• Report: #163800

Complaint Review: CCS First National

  • Submitted: Tue, November 08, 2005
  • Updated: Tue, January 24, 2006

  • Reported By:Bremerton Washington
CCS First National
ACC, P.O Box 15188 Las Vegas, Nevada U.S.A.

CCS First National ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*Author of original report: what they said and what really happened

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Today I called to try to get my money back from this company as they went in to my account and took my son's Christmas money from my checking account. They took $300.00 from my account saying it was for fees. Now they want to know my attorneys information saying that their attorneys are going to contact them. I'm going to go to my bank as i never agreed to the things that they had said. They are now telling me that on top of the $300.00 that I owe them another $240.00 for more fees. I am a ninteen year old single mom and they took my money. Not even my money my baby's. If you have any information to help let me know.

Bremerton, Washington

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 CCA Home Shopping Network

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.

This report was posted on Ripoff Report on 11/08/2005 02:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/CCS-First-National/Las-Vegas-Nevada-89114/CCS-First-National-ripoff-Las-Vegas-Nevada-EDitors-Suggestions-on-how-to-get-your-money-163800. 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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#1 Author of original report

what they said and what really happened

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

I called the company and they told me that there was now way for me to get my money back and that I owed them like $300 more on top of what they stole from my account. I contacted my back and told them what was going on they quickly turned around the money taken and got me new account nembers. Then proceeded to contact the BBB and e-mailed them as to what was going on.

The company then sent me a letter stating that they had "found" my letter to cancel my ties with them dated back the month prior to them taking money from my account. Then further got a letter stating that they were going to get rid of all of my information and never nother me again. Oh and that i had a zero balance with them.

A few days later the BBB sent me a letter stating that they had talked to the company and that they were going to never contact me again. Thus furthering the notion that immidate action will take care of itself. The company is all bark and no bite.
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