In 2002 I applied like a fool to this company. I bought some furniture from them (not the best quality). Not only did I pay to become a member ($200.?) but I also paid for the furniture and the shipping fees.
Something that could have cost me say $100. now cost $400. To be able to buy from them I had to pay them first. Lesson Learned.
Here we are in 2006 and these people are still taking money out of my bank account unbeknownst to me. Years ago I called my bank and requested they block CCA from taking cash out of my account. I thought the problem was dealt with and over.
They recently withdrew $150 from my account and intend to take out another $99. for membership. I called them today and was treated very rudely when I demanded a refund.
They stated that I agreed to be a "Lifetime" member and will not give me a refund. I told them that I did not authorize them to take money out of my account nor do I wish to be a "lifetime" member and would not be forced to be one.
I stated that even if I wanted to be a member they have no right to simply go into my account and withdraw money without first obtaining my consent.
I have not used CCA since my first encounter with them in '02. I asked for there physical address to which they responded "Why? Are you going to send us something?" That was operator # 38690. Of course I got the address after stating it was my right to know the address (they gave the wrong zip code).
I asked for a supervisor and kept getting interrupted by this rude operator. I asked her why she was reluctant to give me a supervisor? after which I finally got Tamika (operator #53440) on the phone.
Tamika of course was rude as well when I asked for a refund. She asked me why would I want a refund or to cancel my account with them if I had over $11,000 in credit limit with them.
Again, I said "I want my money refunded" she said she could send me a $200. credit voucher to be used with my next purchase. I told her I didn't care what credit limit I had with them, I didn't want a credit voucher as I had no intention of ever doing business with them again.
A credit limit and voucher were useless to me but my money wasn't. Finally Tamika stated that I had to write a letter stating I no longer wished to be a member and that they Must receive it by 4/1/06 or an additional $99.00 will be taken from my account for membership fee.
I called my bank, reported this company, referred them to "ripoffreport.com" and started an investigation with them.
I also filed a report with the Better Business Bureau. I will take your advice and also report them to the FBI, FTC and the state Attorney General's Office.
To file a complaint with the BBB go to www.vegasbbb.org. You will get helpful information about CCA. Listed will be the "Doing Business As" names as well as the physical address and P.O. Box address and a list of phone numbers.
Do not be a victim; do not fall for this deceit and thievery. Let's put a stop to this.
The President Mr. William Kelly is living the rich and wealthy life stealing from working slobs like myself. I live hand to mouth trying to keep a roof over my childrens head, putting clothes on their back and food in their tummy. I will not stand for anyone taking that away from them as this man and this company has done.
I say, Let's sue!
Boca Raton, Florida
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 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. 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, it's paid for!