CCA,CCS, First National Credit, All State Check Cashing ripoff, Credit Card Fraud, Unauthorized ACH fraud, Unresolvable billing disputes Las Vegas Nevada

Complaint:
I signed up for a credit card company (CCA) to help build my credit. I asked if I had to purchase their items and they said yes. I thought this would help build my credit so I ordered the card 05/03.

During this time I didn't recieve any package from them for 2-3 months, and called them to ask what the delay was. A male CSR told me that they haven't sent anything out and told me that another package was on it's way. I recieved this package in 1 week and I thought that was odd. I read all the policy that came with the package.

So, I wrote to the company and told them that I didn't want the insurance they were going to charge to my account in the amount of 99.99/ea for insurance and another for credit guard. As I understood,that you were to notify them in writting within the 30 days of receiving the card and the catalog. So,I did that the first day I received the package and after reading the regulations and the policy in July 2003.

Now,on Oct. 03, 2003 I was charged two amounts from the company of 99.99. I contacted them to ask if they had recieved my leter of cancellation, and asked if I may get a refund since I contacted the company also by phone, the said, "no because they haven't recieved anything in writting". So, to correct the issue they said they wouldn't bill me anymore for the 99.99 for the insurance and I won't be debited for that amount.

I wrote again to cancel which made no sense because if I wrote to them and they are saying that they didn't reveive my letter then I should've received a 'return to sender' letter.

Now the second time I was charged was on 11/03/03 in the amount of 99.00 I contacted the company again, and tried to resolve my issue they still refused to refund me the 99.00 they charged to account. The CSR a female told me that they recieved a notice to cancel 1 account that I had 2 accounts open and then she told me they didn't receive a notice from me to refund me. I am writting them again a 3rd time to try and resolve this once again. Overall I lost 298.98 + 199.99 for the membership fee with them. I feel that it's not right for them to just debit my account when the feel like they need it. I haven't even used my card yet!

Desired Settlement: Refund all amounts of funds taken!

Settlement Explanation:
That the deisred outcome of all of this is resolved with a total refund of the amount of $298.98 + 199.99 = 498.97. Due to the unresolving issue with the company I demanded a refund from them and they still refuse to refund the money to me. I hope that this issue is dealt with. All that I have supplied is true and best to my knowledge.

Roseanne
Anchorage, Alaska
U.S.A.