• Report: #289011
Complaint Review:

CCA - First National Card

  • Submitted: Tue, December 04, 2007
  • Updated: Tue, February 12, 2008

  • Reported By:scottsburg Indiana
CCA - First National Card
1050 E Sahara Ave, Suite 301 LAS VEGAS, Nevada U.S.A.

CCA - First National Card - Capital Cretdit Alliance - Consumer Credit Services. unauthorized withdraws from my account takeing $99.99 four minites laker takeing $99.99 more four minites later takeing $99.00 more LAS VEGAS Nevada *EDitor's Suggestions on how to get your money back into your bank account!

*Consumer Comment: I received this "offer" today, I've read the fine print.

*UPDATE EX-employee responds: It's not fraud (so-to speak)

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in sept. i recieved a two page contract type letter with a card attacted to it, my husband being in the banking bisness for fourteen years throughed it in a drawer we keep locked just for things like this due to the fact it has our name and some number on it that could possably be used agenst us in the wrong hands after so long he takes them and burns them. this ccs so called company got our phone number and called us to see if we had recieved our new card and tryed to give us an appoval number my husband said no thanks and hung up the next night they called again i answered the phone and ask them not to call again. to our extreme surprise on dec 3 2007 i went online to check our accounts and move some money from saveings to checking and could not beleave what i was seeing CCS had got into our account and taken $99.99 four minetes later an other $99.99 and four minetes later $99.00for a total of $298.98!

i have fought for two days now trying to figer out HOW they got our account number and not my bank card but my checking account number! the bank is helping me but we have got to find out how they did this, does any body out there know? after the resurcure i have done i find that we are not alone! how are they doing this?

scottsburg, Indiana

EDitor's Suggestions on how to get your money back!


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!


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.


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.

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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

This report was posted on Ripoff Report on 12/04/2007 07:23 PM and is a permanent record located here: http://www.ripoffreport.com/reports/cca-first-national-card/las-vegas-nevada-89104/cca-first-national-card-capital-cretdit-alliance-consumer-credit-services-unauthori-289011. 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.

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Updates & Rebuttals

#1 Consumer Comment

I received this "offer" today, I've read the fine print.

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

I received this offer in today's mail. I pegged it for "junk mail" immediately, because to my knowledge, no legitimate credit card company mails out cards with their offers anymore. I ALWAYS open the offers anyway, because I find entertainment in reading the absurd "terms" and "fees" associated with the offers, I read them out loud, so that the others in the room can laugh with me.

This one was great. No endorsement (i.e. Visa or Mastercard), told me it was, at best, a "store-credit" style card (like Sears or Best Buy). The very first page said clearly that the applicability was "CCA (Catalog) Shopping" and then later on the first page says, "Since your new card is not a general credit card and is authorized for CCA catalog purchases exclusively, you're already approved for over 5,000 products to purchase from such as computers, electronics, furniture, clothes, jewelry, tools, cookware, housewares, small home appliances, automotive items and much more." However, there is ABSOLUTELY NO sample page showing any products whatsoever included with my mailing, as the "EX-EMPLOYEE" suggested.

After reading most of the remaining 4 full legal-sized documents jam packed with terms and conditions, privacy policy, etc. I was amused, but impressed, with how clear the information provided was.

It is my determination that one of two things is going on here. A) People are not reading, very carefully, the ridiculous amount of fine print literature included with this "credit offer" (this is most likely because few people have an hour to read a single piece of junk mail, or possibly because some people jump on an opportunity for over $6,000.00 in credit, or maybe even because they haven't experienced being "ripped off" by a major credit card company yet?). Or B) CCA is sending out different packet offers from that which I received, which did clearly lay out their terms, but did NOT include any form of advertisement of their ACTUAL products.

It is a MISLEADING "offer" at first sight, but once you take a few minutes to read one or two pages, you get the gist of it. It's legal if it's on paper and you agree to it. It's not illegal if you don't read it in it's entirety before you agree.
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#2 UPDATE EX-employee responds

It's not fraud (so-to speak)

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

Ok, I understand how you feel about money being taken out of your account however, being with the company and working in different departments I know for a fact that the company does not and will call any customers regarding mail they may or may not have received. I also know that the phones they use cannot dial out to call anyone, they operators on the phones also have no knowledge of any persons address, name, or phone number until they call the number on the papers that came in the mail. Also, the only way that the company can receive any banking information is by getting it from the customer that is calling. Furthermore even though it is not right to do to people (but perfectly legal) CCS is not a fraudulent credit company or scam.

By definition scam and/or fraud is misrepresenting yourself and/or what u are selling/offering. In no way does the first national card states that it is a major crdit card, it does not state that it has a visa or master card logo, it also comes with a photo (one page) brochure of some of the catalog items. When a customer calls to inquire about the card they ae given 15 minutes worth of information about the card and the services. They are also told about the fees, why the banking information is needed, what it maybe used for, and the customer is asked several questions at the end of the conversation that clearly states what if anything would be charged, when the customer can cancel without being charged and also that the membership is in fact to a catalog shopping club. The customer has to answer yes (that they understand everything read to them) to each question read to them.

If a customer answers no to any questions attempts are amde to resolve any question that they do not understand or agree with. If the customer still choses no to the questions the call is terminated and the information is erased automatically by the computer. There is no way that the company can receive bank info or personal info without the customers knowledge or consent.

Last, but not least by answering yes to the question it constitutes a legal agreement that you will be responsible for the terms given to you by the representative (mostly all calls are monitored for this reason). I do not condone it however for the people who feel like they've gptten ripped off read everything you receive from anyone, also the company (while not being forthcoming all the time) is not at fault (sometimes).
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