CCA First National Card 1 ripoff ! Major ripoff, fraud! Don't use the card. Report it asap !!Stop them NOW!!!! Las Vegas Nevada *EDitor's suggestion on how to get your money back for fraudulent charges to your bank account!

I recieved the card and immediatly read every word. I was totally scared. They have it worded, that basically is a total threat to you. They want to get you to use the card and if you don't then it's a threat.



They say they will, if you don't activate your card "2" days after your FREE activation period is over.Which it does not say anywhere on the contract when that "2" days is automatically debit your account of $199.99.

I went straight to the Sheriff's department and reported it to them. I then went to my bank and (I'm on disability) showed them everything and i had to make a Stop Payment Request for the amount they say they will debit. And that cost me money that I don't have. I don't know if they have my routing # or checking acct. #.

I called my states Attorney General's Office and have the form to fill out and send back to him. And they will sign a mediator to investigate them.

I have tried since I got the card to call the toll free number, they also have the other number....1-702-734-1212. I haven't been able to get through. And when it's not busy, they don't answer.


Report this to your Law Enforcement, Attorney General and get to your bank as soon as possible. This is a major ripoff and they need to be stopped. Now I have to sit and watch my statements wondering if they can somehow debit that amount even though I had to pay for a Stop Payment Request. I don't like being threatened. And If i start getting bills from them I will contact the ADA as I am protected under that act for people who have disabilities.

Diane
Luverne, Minnesota
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 you 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/comptroller 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!

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...the victims' advocate

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Click here to read other Rip Off Reports on CCA 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.