Wow, did I ever get taken. I wished that I would have been as smart as my fellow Americans, who checked this scam out before they got scamed.
My hats off to them...I was not so intelligent, but I feel now an obligation to share my mistakes with you, so that you can learn from them.
Please do not think that I am just a person that has nothing better to do with his time. I have been had, as you should plainly see.
It started like every one else...got the letter in the mail that I had been approved...all I had to do was call and get activated for a $6,500 Credit line...
So..I called, originally for more information. I have to admit that it all sounded a little fishy, just from the standpoint that you could order only from "their catalogues which had hundreds of name brand products that I could choose from. She then asked me what I would be using my new card for. I told her specifically that I just wanted to rebuild my credit like I had read in the original letter that they sent me and that the only thing that I was interested in purchasing is a computer.
She then told me that I had made a great choice and that they had alot of computers to choose from.
Then I found out that to get my card activated it would cost me $249.00 plus $19.99 for rush delivery. After I caught my breath from shock,I was again reminded that it would help me rebuild my credit and that there was no APR and blah...blah ..blah.
I wanted to talk to my wife about it before making a decision. Well...that's when the "deals" started flying. If you do it "now" we will raise your credit limit to $8,700...or something like that.
I figured, well I need to rebuild my credit so I can buy a house..and I knew that I would have to "invest" some to repair my credit. Besides..."the $200 would be deferred after you spend the first $500."
Here's where they got me...I thought..I am going to buy a computer anyway with my new card...and it should be more than $500..she said that they would apply the $200 to that purchase...what could I loose, right?
Accept that when I recieved my "catalog" it had one computer for sale in it! ONE!!!!! And it was a lousy one to boot! To top it off, all the other stuff/junk in the catalog was just that...JUNK!
Wait..it gets worse. My wife and I chalk it up as a bad experience and a lesson learned...expensive one at that. So we cut up the card...we will not use it.
Today, I go to download my account information from my bank and I noticed TWO debits of $99.99 each from CCA. What is this!? Then I remembered that the lady told me that I would be getting a 30 day trial package for a "Extender and Protector Certificate" and a "Purchase Security Guard".
She was nice enough to tell me that if after the 30 days, I didn't want these packages, I would have to ,in writing, tell them that I did not want these services.
If I didn't send this letter they would then bill it to my account automatically. But she did not tell me which account
they would take it out of and I assumed that it was out of my new found credit card.
If you think about it, what did I need a 30 day trial for? What was I going to be able to tell in 30 days! This was a diliberate, sneaky way of suckering you into spending even more money.
Over $500 later...I hope that you realize that this is an incredibly sneaky company..they have their butt covered from every angle legally...and I have been had...yes I admit I made alot of mistakes in accepting this card, but I believe my biggest mistake was taking their word for it.
Please...please...DO NOT TAKE THIS CARD. It is a fraud..the scary part is, that up to this point it is legal!
I am currently trying to reverse the charges through the bank. My bank says that I might be able to get my money back, but not to hold my breath... I will update this when I get the report back.
White Lake, Michigan Click here to read other Rip Off Reports on CCA 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.