• Report: #170666

Complaint Review: First National Card Cca

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  • Submitted: Fri, January 06, 2006
  • Updated: Wed, January 11, 2006

  • Reported By:flint Michigan
First National Card Cca
P.o. Box 46101 Las Vegas, Nevada U.S.A.

First National Credit Card, Cca ripped off 200.00 dollars from me and still robbing my bank account money for my rent and bills Ripoff Las Vegas Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*REBUTTAL Individual responds: straight from the scammers mouth.. first premier banks , godaddy.com ,cross country bank, total card , capital one, scvisacard.com tvvisacard.com paydayloans.com cashlinksystems.c

*Consumer Comment: Flint

*Consumer Comment: Sorry for stating the obvious here but,

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i thought i was getting a credit card and got a credit card for a catalog it was 200.00 when i called very upset and wanted to cancel they would not return my money it was just a pending action on my bank account but they still wouldnt stop it now they just took all of my money out of my account and even over drew it i dont have my rent or bill money now and iam currently unemployed i have 4 children and iam about to loose everything including our home they pray on innocent people just trying to survive please help me

Wendi
flint, Michigan
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
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.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 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.

This report was posted on Ripoff Report on 01/06/2006 05:34 AM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Card-Cca/Las-Vegas-Nevada-89114/First-National-Credit-Card-Cca-ripped-off-20000-dollars-from-me-and-still-robbing-my-ban-170666. 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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REBUTTALS & REPLIES:
0Author 2Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Individual responds

straight from the scammers mouth.. first premier banks , godaddy.com ,cross country bank, total card , capital one, scvisacard.com tvvisacard.com paydayloans.com cashlinksystems.c

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

hi my name is mrs susanne water {not my real name }
==============================
BEFORE YOU INVEST IN ANY COMPANY OR PERSON CONTACT ME AND I'LL CHECK THEM OUT AND TELL YOU IF IT;S A SCAM OR NOT. ===============================

before i get into my story . i would like you to note that while you are on the internet never give any and i mean any information out to anyone or any company id you don't want to recieve and tele marketing calls./sale calls or emails from sales people. every call you will get is a sales called no matter how they come at you about it. remember that.

this is coming straight from the scammers mouth.

although i'm still scamming and i do have about 100 scams out there making money for me right now. and am proud to say i always take the time to donate some of my money to organizations that fights against scammer's like myself .

i know i'm doing wrong but i am good at what i do. and thats is the reason for this letter. because if you let me take your money i will take it. and if i don't some other scammer will come along and take it. ok. so be aware. be very aware..

my story starts back 1995 sometime

i was just a kid. and i never like working a regular 9 to 5 becuase they was never paying enough money that i wanted. i wanted quick money . and selling drugs was out of the question . i was not cut out for that. but don't get me wrong i tried. but just didn't work out for me. so i found something. it was an idea and i put itto play with out thinking. this was when mci {the phone company} was big

and when they was giving out free sky pagers to new customers and they also was giving out callling cards. you could get upto 5 card per tlelphone number. so what i did was since i stayed next to the train station. i went to each payphone and sign each payphone telephone number up for long distance service. and i ha all of those telephone mailing and billing addresses to be my and that was 60 east 2nd street . huntington station ny 11746... i know you probably saying stupid idea right .

wrong it work and never got cought
so the calling card comes first by regular mail. and 5 comes in each envolope so so i sold them to the poeple that was selling drugs for $50.00 a pop.and i was ordering lots of them i can probably say i signed up all of huntington station's pay phones with long distance service from mci { the phone company}

because i totaled $250,000 and it's all cash money now thats not including the skypagers that followed the cards in the mail i ordered 4 at a time. and when they came i when right back to the drug dealers and they was just buying them like hot cakes. it'slike i invented a new product and i was the first. i got paid . and i was only 16 years old. i was selling the sky pagers for $150 a pop. and if they wanted to keep them on after that remember i had all of the bills every money. so each person that wanted to keep there pagers or callingcard on they would have to come to me and pay me half of what the bills is and i would pay the bills for them.

now you mighr beasking how i paid them right . well thats another scam. now with mci you can pay by phone useing your checking account. so listen to this
this might. be an eye opener to you ...

ATTENDTION ALL BANKS

JP MORGAN CHASE ROUTING # 021000021
NOW WITH AND ACCOUNT NUMBER YOU USE THE FIRST 5 DIGITS KEEP THE SAME WITH THE NEXT 8 YOU KEEP MULTIPLING IT BY 9 AND THATS A NEW CHECKING ACCOUNT NOW I DON'T KNOW WHOS BUT I CAN TELL YOU SOMEONE IS GOING BROKE MESSING WITH ME.

AND THATS HOW THOSE SKY PAGERS AND CALLING CARD BILLS WAS PAID.I WAS ONLY 16 AND A MILLIONAIRE.ALL CASH. CARS. BIKES. AND MORE.

REMEMBER NEVER WAS COUGHT.

NOW AFTER 3 YEARS OF DOING THAT I GUESS MCI { THE PHONE COMPANY COUGHT ON TO IT}

SO I HAD TO THINK OF ANOTHER IDEA.

AND IT CAME TO ME.

I AM NOW 19 WHEN I HAD ANOTHER IDEA .
NOW IM A MILLIONAIRE . OWN HOUSE {NOT IN MY NAME} {OWN CAR NOT IN MY NAME}
{BANK ACCOUNT NOT IN MY NAME}

AND I WAS ABOUT TO START MAKING EVEN MORE MONEY. MAYBE THAN YOU EVER SEEN
WHAT I DID WAS BOUGHT ABOUT 7000 NAMES AND ADDRESS AND TELEPHONE NUMBERS FROM
A MAILING LIST COMPANY. SET UP A SEPERATE TELEPHONE LINE IN MY BEAUTIFUL HOME
AND STARTED COLD CALLING PEOPLE .

MY NEW FAKE COMPANY WAS CALLED
LOANS BY MAIL,INC
AND I EVEN HAD A WEBSITE FOR IT

LOANBYMAIL.COM
REMEMBER I HAD A WEBSITE FOR IT

I ALSO SENT OUT MASS EMAILING WITH A NICE AD COPY STATIG THAT THEY HAVE BEEN APPROVED FOR A LOAN FOR $250,000}. AND THEY TOOK THE BAIT EVEN BIG COMPANIES TOOK THE BAIT. NOW HERES WHERE THE MONEY PART COME IN.

I HAD A CHECK BY PHONE
AND CREDITCARD PROCESSING SYSTEM IN MY HOMW OFFICE. SO. NOW THEY WANTED THERE LOAN WITH A 2.9% THAT WHAT I TOLD THEM THE INTEREST RATE WAS.CRAZY RIGHT BUT IT WORKED. AND NOW THEY HAVE TO PAY A LOAN BROKERS FEE.$2500.THEY PAID. NOW THERES A BANK PROCESSING FEE. $1700. THEY PAID. AND NOW I SHREAD THERE PAPERS AND INFO. AND MOVE TO THE NECT CLIENT OF MINE. AND DO THE SAME THING. AND THIS GOES ON AND ON FOR ABOUT 4 YEARS NEVER COUGHT.. AND WHEN THEY SHOUGHT MY WEBSITE DOWN I JUST PUT UP ANOTHER ONE I WAS AND STILL IS GOOD AT THAT SHIT..

I HAD AND STILL HAVE GOOD TOP DOMAIN NAME FOR FUTURE WEBSITES. CAN'T TELL YOU
WHAT THE NEXT ONE WILL BE BUT .HEY THETS LIFE.AND YOU WANT TO KNOW SOMETHING ELSE MY NAME IS SUSANNE WATERS ON THE PHONE BUT. M------ S---- IN PERSON

AND ONTOP OF THE LOAN SCAMS I ALSO HAD A DOZON CREDITCARD WEBSITES THAT OFFER PEOPLE GUARANTEED VISACARD WITH A $7,500 CREDIT LIMIT. THE THE PROBLEM WAS I DID NOT GIVE THEM ANY CREDITCARD. BUT I DID GET ALL OF THERE SOCIAL SERCURITY NUMBERS MAILING ADDRESS TELEPHONE NUMBERS DATE OF BIRTH CHECKING ACOUNT INFORMATION CREDITCARD AND DEBT CARD NUMBERS. AND I STILL HAVE THEM TODAY.AND THEY ARE STILL ACTICE AND WORKING.. JUST TO NAME A FEW OF MY OLD CREDITCARD WEBSITES

WWW.TVVISACARD.COM
WWW.SCVISACARD.COM
WWW.GOLDVISACARD.COM
SCMASTERCARD.COM

PLATNUMMASTERCARD.COM

THATS JUST TO NAME A FEW.
LIKE I SAID FOR ALL OF YOU PEOPLE OUT THERE THIS IS JUST A MESSAGE PLEASE
AND I DO MEAN PEASE BECAREFUL WHO YOU GIVE YOUR INFORMATION TO ON THE PHONE
OVER THE INTERNET. OR ANYPLEACE ELSE. BECAUSE IT COULD BE ME .

OR SOMEONELIKE ME..OK
IF ANY OF YOU PRODUCERS OR TV NETWORD ARE INTERESTED IN MY STORY AND WANT TO HEAR MORE BECAUSE I DO HAVE MORE CONTACT THE EDITOR OF THIS SITE, HE WILL PUT YOU IN TOUCH WITH ME.
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#2 Consumer Comment

Flint

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

Just a minute there, Dave! Wendi does so have money to pay her rent and food bills. Or rather should I say WE have the money to pay them? 85% of the residents in that city(?) live on the public dole--your tax dollars and mine.
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#3 Consumer Comment

Sorry for stating the obvious here but,

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

How can $200 pay your rent, bills, and food? I used to live in Michigan, I know what it costs for rent and food.

This scam has been going on for years, why didn't you check it out? Obviously, you have terrible credit, or you wouldn't have jumped at this offer. But, that aside, it sounds like you couldn't afford to have a credit card, so why even agree to it? And again, $200 is not going to pay your bills, feed your kids and pay your rent. Plus, you say it overdrew your account. So, you didn't even have the $200 in there to begin with. No. You don't need a credit card.
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