From Sept 05 - Jan 06, CCS took $630 from my wife's savings account, but she never had an account with them. My stepson used her account number to open an account, (without her knowledge or permission) but then closed it within the trial period. They took $199 anyway. Then they came back and took $430 more over an extended period of time. There were times they took money out 2x in the same day!
CCS is not helpful in this matter at all. I've spoken to 3 different people, and been told 3 different things. The first phone call resulted in me being told that nobody, including my stepson, had an account so they don't know why they were taking money out of my account.
Call 2 resulted in me being told that my stepson opened the account & the money that was taken was for membership fees & benefits, but he never bought anything, or used the card. He just activated it, but he called back & now the account is canceled.
Call 3 resulted in me being told that before the legal department will even talk to us, my wife will have to file a fraud report against her son with the police & fax the report to them. No, they aren't allowed to give out the number, & that's the only way to get them to contact me.
Oh & by the way, the account is not canceled, because my stepson never made a written request. On top of that, they aren't allowed to give me any more info on the account because it's my stepson's account & he hasn't given them his permission for them to speak to anyone other than him. It's not their fault that it was my wife's money that they took out of her account, my stepson gave them permission for that!
I've been dealing with this for about 2 weeks & I am pissed because we want the money back! We hadn't been checking the bank statement on this account because it's supposed to be to save $ for my stepson for college & my wife is the only one authorized to make withdrawls on it, so there was no need to check it. Had we checked sooner, & disputed the transactions within 60 days, she could have filed a fraud report with her bank & gotten all of the money back. As it stands now, we've only been able to get back $130. Right now it looks like we are just screwed!
HERE'S THE CORRECT # TO SPEAK TO AN ACTUAL PERSON:
HERE'S THE LEGAL DEPT FAX #:
Don't bother calling the other numbers, that's just to activate the card, & you never get to speak to anyone. Hope this helps someone.
Sumter, South Carolina
U.S.A. Click here to read other Rip Off Reports on 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. EDitor's Suggestions on how to get your money back! HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
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! DO NOT TAKE NO FOR AN ANSWER!
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. CHARGES TO YOUR CREDIT CARD
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.