I received a letter for card activation from CCS The (First National) Merchant Credit Card. (There was no bank name, by the way.) I ignored the mail because I had previously applied for 3 other credit cards and I saw that this one had a HUGE annual fee and I didn't want that. I should also mention that I have no credit history which is why I was applying for so many cards and why I was targeted.
I went on about my buisness as usual until one day, when I was rushing to my college class, I received a phone call on my cell phone. And how did they get my cell phone number is my big question. I was frustrated with trying to get to class on time, so I just listened and caught that it was a credit card company.
My first thought was Capital One for some reason (I guess because that was the last company I had applied for), so I kept half-listening to what they were saying as I was rushing to my class. They were asking me to verify all of my information ie, social security number, mother's maiden name, bank account number, etc. By the way, NEVER give out that sort of information on the phone. ESPECIALLY your bank account number and social security number. I don't know what I was thinking.
They rushed me through everything and gave me some sort of number to call [(888) 781-6710] if I had questions, and then gave me some verification number, so I thought all was well. I have sense called the number and found it to only say "Welcome. Enter the PIN number you wish, followed by the pound key." That's it. No bank name, nothing. The problem is: I didn't get a PIN number, so how am I supposed to check on anything? I even tried the verification number just in case, but it didn't work.
I waited about a week for the card to come in because they said that they would send it as soon as possible. When it had been about a week and a half, I went through my old mail to make sure that I hadn't missed my Capital One card somewhere. I found the envelope that I had thrown to the side with the "First National Card" information and decided to look through it and research it just in case I had thought wrong about it being Capitol One.
I looked all over the letter but could not find a web site to go to, so I looked it up on a search engine. I found this website (ripoffreport.com) and was astounded. I had been made a fool and had been cheated! I balanced my receipts and found the $200 missing from my account. I immediately researched from this website- which told me EXACTLY what to do and I took a trip to the bank the next day. They cooporated very well. I have Amegy Bank. They told me that they had one or two other cases like mine already and gladly reversed the "unauthorized" transaction.
I am SO thankful that I ran across this site because I would have been out of $200 and probably a lot more.
U.S.A. 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. Click here to read other Rip Off Reports on CCA aka First National Credit 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.