Hey everybody! This is what I sent to the Better Business Bureau of West Florida after getting ripped off by this company. You can skip it if you want but I suggest reading it thorougly. Maybe this will help you out in some way. At the end of this I will tell you exactly what I did and who you need to contact to make this stop. IT CAN BE DONE! But only if everyone single one of us steps up to the plate and bats! I'll also list the SEVEN different names and two other addresses that the BBB (Better Business Bureau) had this company listed under.
My fiance was contacted by this company who claimed to be a major credit card company and that they would be able to help establish his credit. Our checking account information and his social security number were taken and he was then transferred to another woman who verified the account information.
He was told that there would be paperwork sent to him to fill out AFTER the first $100 payment was made. She then proceeded to tell him that this was not a major credit card but a merchant's card serviceable only through their catalogs and immediately transferred him to an automated machine without giving him a chance to tell her that he did not want this after all.
He also did not receive any contact information that he was expecting. We had no way of contacting this company. I tried to find them through the BBB and other internet sites under NAC, which is the name he was given.
We finally recieved the paperwork two days after the first withdrawal. We contacted the company now known as National Association of Credit Services, Inc. the following morning and was very rudely told that there was nothing we could do about it, we WOULD NOT get our money back, and the only thing we could do was to close our bank account, which we have.
Thankfully, we have a very good bank that was more than willing to help us out. They will be investigating this issue and we should receive the $100 deducted from our account within a few days.
We also filed a report with our local police department and have filed a complaint with the Federal Trade Commission. I also found a website where there were 111 complaints under this one name that the company uses. I will be contacting the web site and asking other complaintants to also contact the BBB of West Florida.***
OK, first I had to call the company to get them to stop their automatic withdrawal this month so that I wouldn't have to worry about them not getting their money. I explained the situation to them and they completely understood. They stopped the payment and now I have to send them a payment by next day air. (No big deal, at least they're getting their money).
I then went to the bank and told them what was going on. They were also really understanding. The lady spent about an hour with us trying to get it all sorted out, what with having to close the account, open a new account, order new checks, and we went ahead and applied to "OUR BANK" for a visa debit card. LOL We know we can trust them. We had our one account for 4 years.
After that, we went and filed a report with our city police department. I understand that there's nothing they can do but file the report, but at least it's there and verefiable. It's official.
THEN, and this is the MOST IMPORTANT PART, I filed a complaint with the Federal Trade Commission, aka FTC, and received a complaint number. You can call them or file online, but calling's faster. Everybody reading this who has a complaint against this company, FILE A COMPLAINT. Enough complaints with the company not responding or not accepting responsibility and they can get burrowed really bad. It could even go as far as the United States Supreme Court! If nothing else, with enough complaints this company will be under major investigative scrutiny, will be forced to accept responsibility for their a actions and will be forced to STOP THE FRAUD!
Same thing with the Better Business Bureau, CONTACT THEM! It's really, really, really important that we all do this! I've taken my steps, now please take yours!
Also, a little more investigation on the BBB web site and this is what I found:
National Association of Credit Services, Inc.
National Association Credit Services
NTCS of NY, Inc.
Financial Processing Center
Meridian Financial (Affiliate)
Preferred Merchants Card
National Association of Credit Services, Inc
PO BOX 41127
St. Petersburg, FL 33743
8800 49th St. N
Pinellas Park, FL 33782
8081 38th Ave. N.
St. Petersburg, FL 33710-2443
Website that I just found tonight:
Other affiliated company:
There are many, but most are up to par. Here are the only two bad ones I could find, of course I did run out of time.
FNBV Visa Gold through First National Bank of Marin, Las Vegas, NV. Look them up on the BBB. Frauds.
First Premier Bank, Sioux Falls, SD. Didn't check with the BBB, ran out of time, but I'm kind of afraid to see what they have to say. With a guaranteed $250 credit limit, the first month's fees alone exceed the credit limit, putting you in automatic default with a very high interest rate and late fees.
Do it peoples!!!! I can't do this by myself!!!!
Thanks to all welling to work together on this.
OH yeah! They are their own ACH debit company. Hmmmmmmm.
U.S.A. Click here to read other Rip Off Reports on NACS National Association Credit Services CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information STOP! ..before you think about using the Better Business Bureau (BBB)... CLICK HERE to see how other consumers were victimized by the BBB's false or misleading information. Don't be fooled! It has been reported, when there are thousands of complaints and other investigations underway by authorities, the BBB has no choice but to finally give an UNsatisfactory rating to a BBB member business that is paying the BBB big membership fees every year. When a business is reported that is NOT a BBB member, BBB files WILL more likely show an UNsatisfactory rating, then reportedly shake down that company to become a member of the BBB. One positive thing about the BBB is, either way, if a business has an unsatisfactory rating with the BBB, you can be sure, the business is bad. But what about all those BBB member businesses that had complaints filed against them? Consumers never get to hear about them. What about the BBB advertising to the public? Is this a false and misleading perception they are giving about consumer confidence when dealing with a business? Click here to understand more of what consumers and business alike are saying about the BBB. You decide. ..Remember. The BBB membership is not earned, its paid for!