|
Elise of Hillsborough NC (06/04/08)
I signed 6 credit cards up with this company back in July 2007 after my daughter suffered a major medical ailment that resulted in my not being able to continue to make regular payments at the high interest rates. The counselor set me up with payments that I could afford and monthly deductions were taken from my checking account. September 2007 three of those creditors dropped out of the program due to non payment.
I have continued to post updated balances and increased interest rates on MMI's web site and MMI did not notify me of any changes to those accounts. (non participation in the program) - three of my cards ended up with higher balances than when I started and one creditor just advised me that three months went by that they did not receive a payment at all - even though MMI reported that they paid them from the money deducted from my checking account. They take $46.00 a month from my payments to help manage my credit and credit balances yet they were doing nothing - not even dispersing monies appropriately and as agreed to.
By the time I caught on to this failure, I was over $700.00 in higher debt than when I started. I was able to work out a new payment plan that I handle with one of the creditors and one other I am currently trying to work out. I told the counselor, I can screw up my credit on my own, I don't need to pay a credit counseling agency (non-profit at that) to [mess] it up for me.
Eric of Watsonviille CA (05/22/08)
a catolog compay has been giving me the wrong information on there business they have changed me a total of $900.00 plus over draft fees. of $99.99 I have never used there services ones I tryed to cansel to stop the charges. as they advices me they told me that they never got the letter and that's why they changed me again. They also told me they could not credit my money back because they have a none refundible policy. Last time they told me because I didn't act in a 30 day period.
All of this have been done electronicly I never gave them by bank accunt don't know how they got it? since I never gave it to them, all I gave them was my debit card number. I have goten more unauthorized withdrawals but they have been small but a total of about 8 even over another card that they had no access to. they credit them all back acept the over draft fees from the bank. This is the only company that dosent want to credit me back and the bank told me they camt help me.
They have over fraft my bank 386.00 I did not have funds I did not feels safe putting money in my account the bank has not tryed to help me. The first time that this hapend they just gave me a diffrent debit card they told me that will stop them from gething these charges they have continued and now they dont want to help.
Guillermo of Kissimmee FL (05/22/08)
i received the card n activated after that they transfered me to an operato n i told her that i didnt want anything with them n that i wanted to cancel. well she i wont cuz first u have to go trhough the whole trial. i called again n asked to cancel n they hung up the phone.
well they took out 199.99 for the activation fee which caused me 2 pay an overdrafting fee of 40.00.till this i havent been ABLE TO CANCEL CUZ THEY WONT LET ME/
Peter of Poughkeepsie NY (05/10/08)
My friend received information regarding a new national credit card in the mail. He told me he got it activated using his account number and was waiting for his activated card. A few things seemed fishy, the fist of which being that there was no three digit code on the back of the credit card they sent him in the mail, and second the unbelievable 6,500 credit limit.
He finally got his card which we had been waiting for, and we went out to do shopping for our business. Not one store accepted the card, because there was no visa or Mastercard logo on it. We went to our apartment then researched information about the card- really to see what it was good for- and found it wasn't good for anything except items in their catalog.
It wasn't even a credit card (even though the company had stated that it was a credit card in writing quite a few times). Unfortunately it was the fist credit card my friend had ever tried to use, and didn't know to look out for some of the red flags. Unfortunately he gave his checking account number and his social security number to the company because they had asked for it. He managed to cancel the card today within the free activation timespan, but with all the information the company got out of him he also has to close his checking account just to be safe which is highly inconvenient. He's just lucky we found out more information before it's too late, because his free activation time limit ends in less than a week, and he got the card today. LOOK OUT!
Chris of Orlando FL (05/08/08)
LIke all of you the card showed up in my mailbox. I didn't ask for it, had never heard of it, yet it came to me. At the time I was in a bit of a financial jam so I checked it out. The credit amount is what caught my attention. My mom told me not to mess with the card and I didn't...for a little while. I gave them a call but I hung up before everything was finished. I hope [they] dont try to contact me. After reading all of the other comments, I am so disgusted. Why isn't anything being done. what is this? I should have tried to find about this card from the beginning.
Just do something about it. its effecting young people who are trying to make something of their lives. And destroying the lives of the older people who are trying to make their lives more stable.
Jennifer of Goldsboro NC (05/06/08)
I have bad credit due to young mistakes and I had almost fixed them all, until I recieved a letter from CCS. I am one of the stupid ones and activated my card thinking it would help build my credit and BOY was I WRONG. Anyway, I activated the card and didn't like the fees, but I willing to pay it to help out my credit.
Then I decided that I didn't want the card anymore. I called a number and sctually got someone on the phone and they told me that if I wanted to cancel my account. All I had to mail to them was my credit card number that I had with them, my name, my member number and state that I wanted my account cancelled. He was even nice enough to suggest that I send the letter through priority mail and have it where someone from the company had to sign for the letter. All would be good if the letter was received on or before April 29th.
Well here we are in May and they just took two drafts of $99.99 each. NOw my account is in overdraft!
What has this done to my life. Well I am back at square one with me fixing my credit. I will never again get a credit card again. But I have now gotten my bank involved and told them what was going on and they are looking into it and see if they can help me.
Kimberly of Stone Mountain GA (05/06/08)
I tried to cancel this credit card and I got hit with $300.00 Charge
It depleted my checking account making it unable for me to pay my bills.
Danny of Virginia Beach VA (05/06/08)
These scam artists called us trying to get us to sign up, so we gave minimal information about ourselves, and then said we were not interested. Then a few weeks later we recieved a card anyways, we called to cancel it and they said they could not do that, and since then they have charged us over 700.00, not to mention the overdraft fees they have caused, and many other issues.
I have called the company several times to cancel and tell them what i think of them, and of course there are no real people there. so i am going to the bank tomorrow to file fraud. also i am in the military and i will be going to the military officials with this, and my father works for the Office of the Inspector General, so they really dont know who they are messing with.
It has caused my credit to suffer from late payments, due to funds not being in my account to make payments. And it has cost me overdraft fees, and getting in trouble in the military (they dont like financial issues) I AM ANGRY!
Nicole of Roanoke VA (05/05/08)
I was sent a pre-approved credit card with $6,500 worth of credit. When I found out they were going to debit my checking account $200, I tried to cancel, but it's impossible to cancel it! I've taken all my money out of my account, but they still attempt to debit it every month, & my bank is charging me fees & telling me I have to get the company doing the debiting to stop. What can I do?
My checking account is overdrawn by $400 because of fees, & I don't know how to stop it.
Passion of Detroit MI (05/01/08)
We'll I recieved a credit card that I didn;t apply for in the mail, that says I have a credit limit of $6,500. Immediately I was scared because I know that they just don't send you credit cards without sending you a application first.I googled searched and found this web sight and found out this was a SCAM! Thank You very much
Dexter of Palm Beach Gardens FL (05/01/08)
Regretably, I responded to an all too good to be true offer, which announced a 10,000 dollar credit limit, no credit check required. The company, through its advertisement, promised to provide credit cards bearing either Visa or Master charge logos. In my desire to establish my credit and to use possible cash advances for a future business venture, I fear, I too may've fallen victim to a common credit card scam.
After recognizing the offer to be nothing more than a mere catalog ordering card, I have since then been making every effort to cancel my membership status; per intructions contained within the acceptance letter. To date, I have not spoken directly to an individual, only an automative message. In order to cancel said card one would have to activate the card before cancelling.
As yet, no damages have incurred. I'm attempting to take the pro-active path, but by the same token, thought it necessary to warn future victims.
Norma of Davenport FL (04/30/08)
I got this card over the mailthat I didn'tapply for I knew something was wrong and I try to cancel it but the phone numbers given were only for activation.I went on line and found all this info,I'm shock and very afraid of what's happening,I think they are targeting bad credit people, because like me a lots of other complains come from somebody with a history of credit problems,I feel so helpless,I'd called every where but nobody seems to be able to help me please let me know if some one can help me without charge because I do not have any money to pay for those credit protection services or even less for a lawyer, there is no justice in this country?
I'm so depress due to my financial probles and my son health problems and now this,I can hardly concentrate in other things,I feel so trap,I just feel that I'm sinking
Linda of Boiling Springs SC (04/29/08)
I received a preapproved 1st National Credit Card for $6500.00 I did not apply nor do I want a credit card. How can I cancel and make sure it is not on my credit report. The company was CCS Credit Card Division
Heather of Fountain Hills AZ (04/29/08)
I received this card in the mail today with my name and the card's expiration date right in the window. Anybody could have recognized it as a credit card and just taken it without my knowing because I never applied for it. As I looked over all the paperwork included, I became very suspicious of this being a scam. A $6,500 credit line just handed out? Seems fishy.
I first called the number on the card to see if I could speak with a person, to no avail. Then I called the opt-out number just to make sure nothing had been activated. Immediately this automated voice wanted my SSN. I tried everything to try and get a human being, but they just don't exist with this company. I hung up and started freaking out a little bit. The three pages of fine print say that my checking account will be debited $199.99 if I don't cancel before the free activation period ends. Who even knows what this means?
I believe this is a total scam to collect account information and social security numbers from innocent people who try to stay on top of their lives. Check them out on BBB and be sure to file a complaint. Also, no matter how reassuring that automated voice sounds on the opt-out line, don't give out your social security number!
Mohammed of San Martin CA (04/28/08)
This company sent me a actual credit card which I did not apply for and they gave the telephone but no live person is at the other end to talk to. I do not want this card,they will charge me $200.00 for membercard activation fee and $198 membercard annual fee.
I do not know who to contact to cancell this card. I am worried that these people will take the money from my account of keep charging it to the account and yes there will be an ECONOMIC and PHYSICAL damage done as a result of this. Go to consumeraffairs.com and click First National Card and see all the complaints. thank you
Leah of Woodbridge VA (04/28/08)
I just recieved the CCA letter today, and something told me to do some research on it.. I noticed there was no visa, or master card, logo on this card... It is a scam, and praise god for this site, but also my father had recieved a letter too a while ago and we talked about it and he told me to watch out for this company.. This scam has been going on for a while now, and I think I seen something on TV about it.. But anyway, consumers beware, of this card, 6,500 limit is a dream, but I would rather work up my credit and get that from Visa than from CCA.....
Philip of Huntington Beach CA (04/28/08)
received letter with card offering $6,500 credit limit.they are asking for $200.00 up front.they are obviously trying to steal money from me.these people should be prosecuted for this scam.
Matthew of Montague NJ (04/24/08)
I received this notice in the mail saying I was approved for a card. Being on top of what I apply for and don't apply for I was immediately worried someone had stolen my identity. At the same time I noticed this card I was activating a credit card and they were giving me a hard time because I didn't have my pass code and I thought this was directly related. So after I got off the phone with the people from the credit card I looked up this company online to find a bunch of complaints. I then realized I hadn't really been approved for any credit card but basically a membership to a catalog.
I thought someone had stolen my identity and was seriously worried I had to stop everything. I'm at a very vulnerable point in my life where I have lots of money due in student loan payments, which I pay on time, and credit cards from expenses in college. Anything negative towards my credit would be horrible for me especially since I'm looking into consolidating my loans.
Samantha of Woodbine MD (04/22/08)
I received one of the Pre-Approved First National Merchant Card in the mail this week and it actually scared me. As another concerned citizen noticed, the card was fully visible in the envelope with my name firmly showing through the window. First off, I have no credit cards, store cards etc. I have horrible credit (victim of identity theft), and am desperately trying to repair it. I can't even get approved for a $200 limit credit card with an annual fee of $70, et alone be approved for $6,500 credit line.
So right off the bat I knew this as a scam. I am really upset because my credit is already in shambles with the help of companies like this that make it so easy for people to activate a card that is not even theirs. and I hope everyone here sends a complaint to the Better Business Bureau and organizations similar to try and get these people shut down. This kind of thing should not be acceptable, and until people voice how unacceptable it is they will continue to do business.
Justyna of New York NY (04/22/08)
As many other people, I received a card with MY NAME on it, ready to be activated! Needless to say, I have not applied for one. The comapany decided I wanted one, apparently. I am in the process of changing the address and there were huge chances I would have never received it! Somebody could have received it and start using it in MY NAME! I cannot believe that nothing or nobody can stop this company from these unlawful proceedings!
I would never even think of activating this card but I would love to somehow make sure that I do not receive such offers with my name on it never in the future!
Kern of Los Angeles CA (04/16/08)
04/14/08 I received this First National Card in the mail. That I have never asked for applied for or in any other way in the past have not done any business with CCS. There were three pages of information after the Urgent- Approved and notice to call to activate this card by giving the activation code on the letter. I do not want any card from anyone. So then I started reading all the pages to find out what the optout or cancel or even totally delete any info. they may have about me from their database. Finally I find it says During the call one may select the cancel option they said in their letter existed.. Because the letter also said in one does not call and cancel before the free activation period Your checking account will be debited $199.99 two days after the the free activation period ends.
So yes dumb me pursued this cancel option listening very carefully on the phone using their 800 number. Well after giving some information I did not ever hear any word about cancellation on their phone menu. After giving only the card number and not the activation code number or the ELETRONIC INITIAL CODE I tried to interrupt and said cancel several times to no avail. I also pushed the Oper. button and tried to get a customer serv. rep. Then the call went dead..
After reading everything, it looked like an extortion scheme. Then I suffer with with fear and desparity that they are going to automatically take $199.99 dollars from my meager fixed income checkinng account if I do not complete some cancellation process that one cannot find where it is during the call. The longer it goes the more info they get the more trouble one will suffer at their extortion acts.. So all I could do was to go to the Optoutprescreen web site and enter the info there for lifetime optout. Then I went to my Bank with the 3 page notice and the Card and talked to a customer serv. rep. and showed them the whole letter with the threat they would take money out of my account if the cancel was not completed before the activation periond ended.
The customer rep assured me that if I did not give them any account numbers from my checking, visa card, or savings acct. no. they do not have any way of knowing those.. Also they explained the card itself was not a credit card. I hope not for sure. The fearful part is I have made online purchases in the past with dependable companies and hopefully they have kept their word of customer security etc. so that this CCS company does not have any of my acct. info from anywhere.
Chester of New York NY (04/13/08)
I did not authorize a credit card and they are debiting my account. So far $600.00. I do not use it and there is no balance, just a bunch of unbelievable fees.
V of Atlanta, GA (04/08/08)
My husband recieved a letter in the mail with the same credit card that everyone else has complained about. I thought it was strange that a company would send an unsolicited credit card in the mail so being the sceptic that I am, like most of you here, I did research of my own. I did not just stop at this website, I went straight to the BBB.
What the BBB had to say about this company is a little unsettling. According to the BBB CCS (aka - consumer credit services, inc) is not a member of the BBB but it does have an unsatisfactory record with the bureau. The BBB processed 583 complaints within the last 36 months. Times are hard enough without giving your personal information out willingly to any company that is allowed to stay in business after having so many complaints filed with the BBB in such a short period of time.
Kristi of Hesperia, CA (03/27/08)
I received this card in the mail, gave them my savings account number and everything!
But what I did was close my savings account, that way they couldn't take anything out. Why doesn't someone stop these people?
Paul of Somerville, AL (03/27/08)
I received mail from this company with a credit card that was in plain view and could have been stolen and used without my knowledge.
I checked online and this company has a bad record.
I did not activate the card but it scares me to see real cards come in the mail this way.
Heather of Vallecito CA (03/27/08)
I received the same letter of acceptance. I did NOT activate the card. Instead, I found a number at the bottom that stated to call if you would like to be taken off of the pre-approved credit offers. So I called this number and went through the motions. After reading all of these testimonial, I am thoroughly worried about what I did. They asked for my SSN and after much hesitation, the AUTOMATED voiced actually reassured me that it would only be shared privately by the 3 major credit card companies. Then it went on telling me that I may continue to receive pre-approved offers from companies that haven't gotten to the cancellation info yet. This all happened yesterday! I am off to the bank and to SS to file a preemptive strike! Good luck all!
Lisa of Riverside, CA (03/26/08)
I received the same letter it seems many other are receiving. I decided to check the internet to see what this was since the activation number is the same as the number to call for info.
I did not apply for this card and found it to be weird when I opened it. I am very glad I did not call the number to do anything and checked it our first. Thank you for all of you sending in your reports so that the rest of us are not HAD by this company!
Julie of Brooklyn NY (03/21/08)
I just received my First National Card in the mail today. Thank God I decided to do a research on the card first. Like a lot of other victims, I too have never heard of such a card. Because of this web site, I have decided to cut up the card along with the extra papers. Thank you.
Because of this web site I was smart enough to take the advice of former victims and those who were potential victims. Again, thanks.
Guy of North Hills CA (03/20/08)
I received a card in the mail stating I was approved. I called the activation number and I after I entered all the information they requested. I was transfered to a live person. This person then gave me to a supervisor because I was trying to get some answers to my questions: LIKE: What did an automatic Debit to my checking account mean?; Was the card a real credit card or could I only use it through their catalog?; What was the total amount of the fees? But all she wanted was my Date of birth, which I did not give to her. She would not answer any questions, she always started at the same at the beginning of her speech! So I told her to cancel this and that I did not want anything to do with this card. She said, "Have an nice day" and hung up on me. I did give them a voice recognition. I do not know if they have my checking account number, I did not give it to them. Both phone numbers are bogus: the direct contact number for CCS & CCA. I am going to write a letter of cancellation and mail it because it states that you have to notify them in writing. I will inform them that I have contacted Consumer Affairs.
Greg of Deltona FL (03/17/08)
People, please--if you get this card in the mail, do not in any way shape or form call CCS. I thought this was a real credit card. I call in, they activated it for me, and told me my credit line wasn't the $6,500 that comes on the form but it was $7,500--and happy shopping, no interest. Wow, sounds great--until you walk in a shop or gas station to buy something, and the card isn't worth the plastic it's printed on. So I call back to find out what is up with this so called great card they sent me, only to be told that I can only shop in the catalogs they send out. Who in their right mind is going to spend $7500.00 in a catalog? No One! It takes a whole lot to get under my skin, but when calling these people, I almost lost my cool. I wanted to give a few choice words because they made it so hard to cancel this card. First they keep you on hold for 30 minutes, then you get a rep that gives you a long line of reasons in trying to make you keep this card. After you get off with that person, you get a manager who gives you the same line as the rep. Once they finally finish and you still want to cancel, they give you a cancelation number and hang up the phone--no name or any thing.
People, please don't fall for this. I should have known when they asked for my SS #; I told them I don't have one. A red flag should have gone up because they said, "No problem...." I don't give my SS# number to any one over the phone, not even my bank. Hope this helps. Don't get taken.
Lucky for me I cancled before the trial period was up. I also call my bank to make sure if any unknown charges come up to stop peyment on it.
Susan of Mesa AZ (03/14/08)
I have received a First National Card with my first and last name on the card, and I have never heard of or applied for a card from this company. I thought about calling and activating it; good thing I didn't and decided to do some research first! Also, is it common for a credit card company to have a P.O. Box for an address? I have no credit cards, and I don't want any credit cards; but I just thought it was kind of odd to have a P.O. Box for an address, but maybe that isn't odd. I don't know, but it was something that kept me from calling them. Thank Goodness!
Jeremy of Palo Alto CA (03/12/08)
They sent me the letter - I got it confused with my other CC on the way. I started the process, and got somewhat hesitant when they started asking for my bank # on the spot. I didn't enter it. I did enter in some info, but didn't complete the whole process. Thank goodness. I think these guys need to be taken out of business. Really bad, it's one thing to be naive and start the trial, but it's another to make it nearly impossible to cancel.
Kate of Mansfield MA (03/11/08)
I received a pre-approved card and letter from CCS First National. I never applied for it nor have I ever heard of them. The letter said I had credit line for $6500. But I was very confused about it. I know a credit card will not give you a credit line without your personal info first. So I decided to look them up online. They have no web site. That right there is a huge clue that there is something strange about it. But I found this site and saw I wasn't the only one. I can't believe that this company is actually getting away with this. It's crazy, and something needs to be done. I really hope that you (consumer affairs) can do something to stop them.
I personally did not activate my card. THANK GOD! But now I see if I did, my credit would have been tarnished. They are stealing money from these people. THEY NEED TO BE STOPPED!The phone numbers given to call them were 1-702-256-3000 and 1-800-717-1278. Please do something to stop them from taking advantage of innocent people.
Yolanda of Summerton SC (03/11/08)
On 3-10-08 I received this card in the mail. And I thank GOD for his grace and mercy because before activating the card, I was led to this wonderful site. I was made aware of this scam. I feel sorry for those taken advantage of and can only pray that others are led to this site. I just want to thank you all for keeping a single mother of six from falling into this web of lies called CCS Merchant Card.
Regina of Poolesville MD (03/07/08)
I got a letter in the mail about a year ago with the promise of a high credit limit. Being a college student in need of money, this offer sounded appealing. I called the number provided to activate the card and ended up giving my social security number. At the time they debited my bank account three payments of $99.99. A year later, never having used the card, I was again debited three amounts of $99.99.
Linda of Mesquite, TX (03/05/08)
CCS took $198 out of our account in December 2007, without telling my husband. When he saw that they did he called and told them to cancel this account. They said that he would have to order something first and then he could stop it. My husband believed them.
We never heard anything else and then on 03/03/08, they zapped us for $99.99, then again $99.99 and again of $99.00 (all at once).
My husband has done everything to cancel this account. Now we have to pay more money to cancel our account to get these people to leave us alone. We have lost $500 to these people.
Jonathan of Apo OTHER (03/04/08)
I received something in the mail showing that I was pre-approved for credit. I called to find out it was. I was fooled and gave them my bank account number and my routing number. I never activated it though. They took it as I did activate it. They withdrew money from my account an when I called to find out why they did that, they said it was a deposit. I told them that I never activated it and they said that they would need a bunch of paperwork for them to give me the money back. I am in the army and I was only days away from deploying to Iraq at that time, so I told myself to forget about it. I told them to cancel the card that they said I activated. And they told me that they did. Today I was looking at my bank account 3 months later and they pulled out more money. I know that they are going to give me the runaround again. I am in Iraq and don't have time to deal with this.
They took around $300 as a deposit and today they took another $300 that I never said that they could. It puts a bunch of hassle on me because that three hundred was going to go into my house payment.
Lisa of Solvang CA (03/03/08)
Yes, this is a scam, obviously. What I went through was the same as everyone else, except that I closed my bank account and never gave them any bank info, so they won't be able to collect any money anyway. What I wanted to say was that I too was waiting for a Visa card, and it should have arrived the same day, so that's why I started the activation process. There HAS to be a connection there; they send you this while you're waiting for another one. How can Visa be so shady?
Don of Loveland CO (03/02/08)
I received an approved credit card with spending limit of $6500. Upon opening the letter, I noticed in the bottom right corner of the card that no major card holder company logo was present. Instead it was some globe logo. Also, there was no 3-digit code on the back of the card. That alone says enough. However, if you begin researching into the card policy, they talk about how the card is good for some catalog they have. Well, there is no website with this catalog, and some who have received catalogs have reported that the items in it are overpriced and pretty much things no one uses.
The final kicker that this is FRAUDULENT is the fact that you must submit vital info like bank acct. #s and social sec. # in order to activate it. If you activate this card, then I am definite you will have opened a door into hell in which you will never be able to close. So please think about this because it could save your credit report life. I'm so glad I researched this card because it did sound very lucrative. Also these guys are not backed by BBB or have any credibility in opinion.
Gabriella of Jamaica NY (02/28/08)
I received a card with my name on it and pre-approved for $6,500. I decided to research it via the internet, and found this website. I would like to say thank you to this website and all the people who posted their comments, as you all saved me from a scam, and hopefully with me posting this will help someone else. Please note that I did not apply for the card, it just came to me with my name on it and was pre-approved, just like most of the other complaints.
Steven of Daytona Beach FL (02/25/08)
I have made several attempts to try get these jerks to stop mailing me their rip-off trash. I don't want my information in this bunch of thiefs' hands. What can I do to stop them from contacting me?
Bunmi of Sterling Heights MI (02/25/08)
I got an unsolicited mail from 1st National card, enclosed is a card that looks like a credit card and information on how to activate with other information. I read closely and perceived this is fraudulent and shared the information with my wife who also felt the same. Disturbed by this strange mail and offer of $6500 credit purchase limit, I decided to go on the net for more information about this company. I thank God for the information available on this site and I wish the general public be notified. I still have the card with me, unactivated, and I do not hope to activate it.
Crystal of Pawtucket RI (02/24/08)
I received the first national card a couple months back, either january or december. I was baffled that the card already had my name on it. I was concerned about that, I didn't think I had applied for the card and I thought I may have forgotten about it. I did go online and tried to look up a catalog site and did not find one. The page never loaded. I put the card aside. Being aware it was here and that very tempting $6,500 offer, I thought about it due to the fact my husband has just returned home from Iraq and as most army wives know, everything falls apart when the husband is away so long. I put the paper away and figured I would read it later. (I never did).
My husband received one last week sometime, around the middle of february. This time I made sure I checked out the internet. I knew it had to be a scam knowing that I never did receive a catalog in the mail and got nothing on the internet. This time this website did show up. Thank God I listened to my instincts on this. Thank You Consumer Affairs for confirming my suspicions. As for those of you receiving offers for your children, i have not gotten one for mine, it may come soon though. I did however receive mail offers for my DOG in prior years. Apparently if you use your children's or pet's name or any other you can think of in the phone book, with the idea that you don't want to pay for an unlisted # you are not required to use your real name in the book but you do so have to on the bill. Any one will and can get your info (ie name&address) from the phone book. It is a sad day when all people have to do is look for phone records to get their mailing list.
Daniele of Corona CA (02/22/08)
This is more of just an update to what is being said on the offer to warn more people the changes they have implemented to lure people in, they now say they waive the $200 activation fee and the initial $200 membership fee. As well they are offering cash advances now.
Kimberly of Downey, CA (02/21/08)
So like a dummy I activate the CCS card. After answering a series of questions from the automated agent, I was transfered to a live agent. He asked me for all my banking info and my social security number for credit bureau reporting. I tried to ask questions but the agent became more and more irritated with each question. He kept talking so fast that I had to ask him to slow down twice and at that point he became rude.
I said I was not interested and he said, "well you need to call another number". He refused to give me the number until I completed the process. After answering all of his questions I asked for the number and he hung up. I tried to call the number back and surprise! the credit card was valid.
I called to activate this card thinking this was my chance to clean up my credit, but now with all the stories I think I just destroyed it to the point of no return.
I called my bank but nothing can be done until a transaction occurs and then a fraud complaint can be filed.
J. of Melbourne, FL (02/21/08)
They scammed me by telling me they would repair my credit. They gave me a money advance card, but didn't tell me they would ask for 30% up front and then give me a cash advance.
The credit card is only good on their catalog, filled with overpriced, worthless items. I canceled the card in writing, to no avail. They are still attempting to access my savings account, which I was forced to close.
I think they are ripping off millions from Americans.
Jennifer of Mastci Beach NY (02/20/08)
I received the same credit card approval in the mail- and was about to call to activate it- but figured that I would go online and see what shopping sites were available to use in conjunction with this card. Up popped this site. Thank God I found consumeraffairs.com because I would have most likely given them my personal information (checking acct #, Social #). I did think that it was a bit alarming that my name was already on the card but figured that it may have gotten my information as I just had applied for a new car loan. I appreciate this site and am thankful that it came up. I am going to shred this letter and card but am questioning if I should save it for future reference.
Tracy of Santa Rosa CA (02/19/08)
I received a card from them that I did not ask for or want. I tried for 45 minutes to get a person on the line and never did. What do I do with the card? Should I cut it up and send it back, and am I going to get charged for something? Please give me advice on what to do. Thank you.
Decorate of Miami FL (02/18/08)
I got a letter and called to apply for the card. One of the initial questions that they ask is if you have a checking account. I replied yes. This was to an automated recording that I replied to. I gave them my name. Then after a lengthy explanation they were going to connect me with a person for the rest of the process. I decided to call back later to finish the activation process.
Then I found this website, thank God, because now I know that this thing's a scam. I wanted to know if they can find or take money out of my bank account if I didn't give them my bank info? All they know is my name and address. Is my card technically activated?
Heidi of Loveland CO (02/16/08)
My fiance was sent a CCS card, which at first glance looks to be a credit card. We get pre-approved credit card offers all the time, but this was the first that actually sent the card before applying for it. Credit card agencies are no longer allowed to send the actual card to consumers (last I knew) because it is illegal. If you threw those credit cards out someone could open it, use your name and potentially ruin your credit. I called the company to talk to someone about the credit card to find out if this was something we requested, that we may have forgotten about. The only options it gave me were to end the call or activate my card. I pressed 0 to talk to an operator, which you can usually do with any company, however it didn't work with this.
That's when I knew it was a scam and went on line and found this. Even though I was lucky enough to notice some red flags, somebody needs to take care of the consumers. What they are doing is wrong and seemingly illegal, even if it only sending the actual card before request.
Thankfully nothing, other than a lot of confusion, irritation and worry.
Matt of Richmond VA (02/10/08)
I applied for one of these cards online without researching into it. Anyway, I HAVE NOT ACTIVATED IT. Could they still possibly charge my account? Should I just ignore the whole thing and just not call them period? I want to know some advice as to what the best thing to do in this case would be.
Susan of Irving TX (02/08/08)
I received this credit card offering by mail, and I almost got it. I googled it and found this page with lots of complaints about it. I am glad I didn't activated it! Now, what should I do? Should I only ignore it? Should I call somebody to cancel it, or what? Please shed some light.
Ron of Rustburg VA (02/08/08)
They called my wife about an old debt that I owed, not her. They have called her several times at work on her cell. They were rude and threatened that they were taking legal action. They also said they are charging 22% interest, compounded bi-weekly.
Is contacting my wife, and charging that much interest legal? They refuse to send me documentation on the debt and claim it's 5 times what it should be.
Cheyenne of South Ozone Park NY (02/06/08)
I was issued a credit card that I didn't apply for. I called the company to talk to a representative, and they refuse to cancel these services and robbed my bank account of $200. These people need to be investigated. They are ruining lives.
My credit is ruined, and it's hard to repair.
Mia of Eden Prairie MN (02/06/08)
My little brother activated the card thinking that I won free money. I need to know the number to call to deactivate it. Please tell me how to deactivate it. I am calling my bank right now. But I want it deactivated. What number did you guys call to do that? Thanks.
Michael of Rochelle, IL (02/05/08)
I received a letter in the mail saying I was approved for $6,500. I called the number to activate and while on the phone I read the letter. Seems I can only use this card to purchased from their catalog.
I got online to check it out. Luckily I ended the call before they got any important information.
Carl of Irving, TX (02/05/08)
Just like everyone else, I got a letter in the mail from CCS Credit Services Division, with a fake credit card attached that resembled a mastercard, but was a globe logo. I called the number and finally after entering all the info they asked for my checking account number to take advantage of the 1st call opportunity. When I hesitated the lady got very loud and rude. Finally got another lady on the phone who was even more belligerent with me.
I hear that once they have your checking account info that the actual credit card does not exist anyway, its only a card to a cheap catalog.
Joseph of Austin TX (02/04/08)
I was contacted by a First National Card sales rep. about the First National card. After they took $200 out of my account, I received my card and approval letter. I wanted to discontinue the card and get my money back. The only phone number that was on any forms was the number to activate the card. I had to activate the card just to talk to someone. They pretended that they could not hear me because of a bad reception. I spoke with a supervisor, told her that I wanted to, once again, cancel the card.
She told me that I did get a 1-800 number. I asked her for the number, and she told me that she could not give it to me, have a good day, and she hung up on me. I want my money back and to cancel this card, or they will keep taking money out of my account. I'm losing money! That's a consequence right there.
Shawn of Anderson, IN (02/04/08)
I had three ACH debits withdrawn from my checking account. In the amounts of $99.00, $99.99, $99.99. I have never heard of this company and I have never signed up for any cards.
I called them and waited on hold for twenty minutes until a rep answered and took another ten minutes trying to locate me. He was never able to find me. He searched by my phone number, my name, my ssn (which I did not want to give but he said it was the next step), my city. I asked if he could search by my bank account number and he said we are getting to that. He said he had to talk to his supervisor and he put me on hold and then about five minuets later I was hung up on.
I now have several overdraft charges on my account.
Christine of Amherst, NY (02/04/08)
I was offered a card limit of $7700 a month before Christmas '07. I signed up and realized it was for merchandise only. They said they would send a catalog that has yet to come. I spoke with 2 different people that said they'd send my case to Quality Control and I would hear back within 48 hrs.
So far I'm out $500 and my mortgage check bounced.
Joshua of Nellis WV (02/03/08)
I received this card that said, "Your approved for a card with a $6,500 credit limit on it." So I was like this is good since my credit wasn't great. So I called to activate it. My wife tells me, tell them to cancel now, she said there was this $200 annual fee they take out in 2 days and not to get it because you can only use it for some catalog. So I asked if they had a website for this and the lady said no. I thought that was kind of odd they didn't have one since so many companies do. So I told her I wanted to cancel this card. She told me she cannot give me the number to cancel my card without my bank account number. I said I am not giving you this information since I don't even want this card! She kept telling me if I want to cancel, I had to give her my information and I gave her a fake account and fake number and went on. She finally gave me a number after about 30 minutes of arguing. I called the number and they are closed. No suprise there. I feel this is a scam, too good to be true, what card gives you no interest on what you borrow? I advise anyone who gets this, please cut it up and throw it out!
Sherry of Murray UT (02/03/08)
In Jan. 2008 I received what I thought was a credit card. The card had my name on it and, the letter attached with the card stated I had a $6500.00 credit limit. Initially I grabbed the card, and held it next to my heart, and jumped up and down with glee! In the back of my mind I was waiting for the other shoe to drop. I read the instructions, that were in the letter. I wasn't happy with this Company's idea of a credit card, not to mention the out of control fees that were expected from the consumer before you could start using the credit! I was also wondering why the company didn't give any of the merchants' names from this so called catalog they wanted people to shop from. I decided to go online and see what I could glean about this company. I am so glad I looked on the web, because I found out this company was a big scam!
Morgan of Seattle, WA (01/31/08)
Just like everyone else who've complained about CCA/CCS, I received a letter with a credit card with my name on it. The letter announced that I had been approved (not pre-approved) for a credit line of $6,500. The first thing I did was go online to research this wonder-of-wonders. Unsurprisingly, all my Google search returned were sites like this one, rife with complaints about this company.
Upon further reading, it became apparent that this was not, in fact, a credit card at all. It's more like a store club card, except more expensive, and less flexible. I still haven't found any evidence that there even exists a CCA Store. Why would someone take out a line of credit to buy goods they haven't even seen!? I wonder what the catalog actually looks like, if there is one. I'm envisioning a crudely-bound newsprint monstrosity filled with obsolete, overpriced electronics and household products too ridiculous even for late-night infomercials. Even though I wasn't about to be taken in (no matter how much I wanted the offer to be on-the-level), but I wanted to contribute to the flood of warnings here to help prevent others from taking the bait.
This could potentially have caused a great deal of damage to a person's credit if he or she didn't read the fine print. The fees were outrageous- hundreds of dollars simply for the privilege of being able to by dubious goods from their catalog.
Gina of Cape Coral, FL (01/31/08)
Like many others, I thought this was an actual credit card and called to sign up. However, before they could take any money from my account, I called to cancel because it had been 4 weeks and I still received no catalog. Yet they were going to take out money from my bank account in 2 days.
I called to say that I didn't want to pay for a membership when I had not even seen what they offer. A supervisor offered me money vouchers if I would just wait to cancel until I got the catalog and then if I didn't like the products, I could cancel my account and get my money refunded.
After receiving the catalog, I wasn't interested and called to cancel. They informed me that I must do this in writing. A few days later in Oct 07, I mailed that letter out. In Jan 08, They took another $300 from my account and of course I never received my original $100 refund.
I called and asked why they were doing this when I canceled the account and never bought any of their products or used there services. They told me they didn't get my letter but have notes of my call to cancel. They refuse to refund my money.
I mailed another letter as I was also told they are taking more money out in Feb. I have had to close my bank account because I am sure they conveniently won't receive my 2nd cancellation letter.
Gina of Cape Coral FL (01/31/08)
Like many others, I thought this was an actual credit card and called to sign up. However, before they could take any money from my account, I called to cancel because it had been 4 weeks; and I still received no catalog. Yet they were going to take out money from my bank account in 2 days. I called to cancel saying that I don't want to pay for a membership when I have not even seen what they offer. A supervisor then took my call and offered me money vouchers if I would just wait to cancel until I got the catalog. If I didn't like the products, I could cancel my account and get my money refunded. After receiving the catalog, I wasn't interested and called to cancel. They informed me that I must do this in writing. A few days later in Oct '07, I mailed that letter out. In Jan '08, they took another $300 from my account; and, of course, I never received my original $100 refund. I called and asked why they were doing this when I canceled the account and never bought any of there products or used there services. They told me they didn't get my letter but have notes of my call to cancel. How convenient for them. They refuse to refund my money.
I mailed another letter as I was also told they are taking more money out in Feb. I have had to close my bank account because I am sure they conveniently won't receive my 2nd cancellation letter. This place is a complete scam! It is sad, in times like these, when the economy is bad and average people are scared they will lose their jobs, homes, etc. We now must watch out for scams like this before they unlawfully take our grocery money, house payment, or car payment. They are truly crooks.
This company has made be overdrawn in my bank account, bounce checks and have to pay the bank, then close my account and open a new. However, I am already out $400.
Samantha of Conroe, TX (01/30/08)
I got a letter in the mail saying that I was approved for a $6,500 credit limit and I thought it was a pretty good deal being that I don't have the best credit.
Well thank GOODNESS I decided to research it because I found all this about how it is a scam.
Jenny of Sacramento, CA (01/30/08)
I received the offer from CCS for a credit line of 10k for their catalog purchases. I thought it would help my credit score if I had a large line of credit. They said they would report to all three bureaus. I paid the fees : $199 for activation, and $99 annually. I avoided paying $200 of other nonsense fees by writing a letter in the allotted amount of time.
I read their info and understood the terms. It wasn't good, but I hoped after spending so much money I would actually start to re-establish my credit. When I pulled my credit and contacted the bureaus there was nothing recorded.
I tried for 5 days to cancel the card before getting through, having been on hold for upwards of an hour each time. They told me since I had already paid the fees why bother canceling the account and why don't we just leave it alone before disconnecting the call. Unless I change my entire bank account they will automatically charge me another $99 in July. I have spent hours and hours trying to cancel the account.
Judy of Seaside, OR (01/28/08)
In 2003, I received a mailing for two credit cards just after my bankruptcy/divorce. I activated the cards thinking that it would be a good way to reestablish my credit. After activating them, I received additional information in the mail and decided that this had been a major mistake and that paying $175.00 per card to have credit was foolish. I would just wait and build it on my own. First National honored my request to close the one account but did not return the initial payment towards the $175.00, and they still have not canceled the second card. They do not acknowledge my attorney. (I was burglarized and much of my paperwork is missing.) However, I have paid way over $1,000 to this company, and they are still adding fees to the card. When I call, they threaten me and state that the Supreme Court has ruled they are in the right.
How can a company refuse to close an account? It has not been used except once prior to receiving all paperwork in the mail. Is there any type of recourse? I cannot afford to pay these people. Please help. Who does one write to? The Attorney General? There must be a controlling agency that does not allow such actions.
I have paid all people who I legitimately owe money to. Capital One is dragging down my credit, and I cannot afford to pay them. This is ridiculous; t is like extortion and causes me much stress and anguish.
Tanya of Waltham MA (01/27/08)
Lately I've been in a lot of debt. Being in a jam I had applied for credit card after credit card--only to be rejected for the same reason: I had too many credit cards in my name already. So when I picked up the mail and saw this credit card offer, I was a little excited. That was until I saw a limit of $6500 and a card with my name already on it. I knew something was wrong. I've never even heard of CCA, and after reading the whole offer I was still unclear. I thought what would these people be profiting if there is NO interest rate, and why do they want my bank account number?
So before I did anything I would regret, I tried looking it up online. I found this website and was so glad that I did not call these scam artists out of desperation. Thank you so much, they will definitely get an unpleasant phone call from me!
Shawna of Bear DE (01/26/08)
My husband received a pre-approval in the mail about a week ago for $6500.00 line of credit. We are trying to establish credit and thought this was a great way to start. We called to activate the card since we were very excited about the approval. We gave them all of our info, and they said the card would arrive in 48-72 hours. We received it today. After opening the envelope I saw a flier stating we would receive our catalogs in a few weeks. I told my husband I thought it was awfully odd there was no MC/Visa Logo on this card. Each time my husband calls he cannot reach anyone, and they state they are closed. It's credit for you to buy items from their junk catalogs and nothing else!
This is the biggest ripoff, and we are desperately trying to cancel everything. I thought we were smarter than this and did not even think to investigate online beforehand. Now we know better. I am terribly afraid that they are going to get into my checking account as stated in several complaints regarding the same company. PLEASE BEWARE!
Zachariah of Hampton VA (01/26/08)
I received a card in the mail in an envelope that read URGENT - OPEN IMMEDIATELY, so I did. It turned out to be a high limit ($6,500.00) credit card which I activated (dumb). Now I Google this company, and instead of a web site for the card company, I find a slew of people who are complaining about this, saying it is a scam! I have had no money withdrawn from my account as yet, but when I read these blogs I decided to cancel it and cannot get in touch with anyone who can do that. All there is is an activation number! I wonder if I am ripped off here.
Glenn of Miami FL (01/24/08)
I received a very convincing pre-screened/pre-approved packet for credit approval with First National Card aka CCS. As I'm trying to rebuild my credit after the mortgage upheaval of 2007, I saw this as an opportunity to do so. I followed the instructions to authorize the card while simultaneously researching the company online. Just as I saw all the complaints about this company and tried to cancel activation, it was too late, the account became activated. Since then I've been desperately trying to opt out of this offer to no avail and I'm afraid they are going to begin charging me unwanted fees. If anyone has any info on how to get out of this please post that information.
Claudia of Kissimmee FL (01/24/08)
I received a credit card from First National Card. My husband asked me to activate it. I called and began the process. After I spoke with a live representative, they asked for date of birth which I thought was funny, then they needed a check number. So, I asked, "Is there any chance you will need my bank account number, too? She said, "Yes, just for security purposes."
It was then a red flag went up. I said that I need to verify this with my husband, and that I will call back. She became aggressive and insisted I give it to her now in order to secure $400 more. All of the flags went up then. I hanged up my phone, and then checked them out. Truly, if more people think about making an honest living the world would be a happier place. They spend so much time thinking of ways to take someone else's money. I am grateful for you guys. They will try again, and this time I am waiting. Thanks.
Deborah of Burbank, IL (01/22/08)
Today I received this approved card for $6500. In nice bold letters it also states, "NTEREST RATE - NONE". That was the first clue for a red Flag.
Thank goodness I searched the internet for information on this company. The card has been cut half and the letter destroyed.
Thank you for your service and allowing us to tell our experience.
Ryan of Lowell MA (01/22/08)
Well, stupidly I did not research the card--thinking it was a credit card, and I need to establish my credit. Activation was simple and easy. I went to cancel and after 1 hour of offers and two more hours, I finally got it canceled, with a confirmation number. There are a lot of people fooled like me, and First National Card should be a lot more careful in their wording.
Fortunately I got out early and only suffered 3 hours on the phone with complete idiots.
Diana of Anoka, MN (01/18/08)
I received a credit card in the mail stating that I was pre-approved for $6,500, which I never applied for!
I am trying to rebuild me credit and thank goodness I looked on this website before activating the card! It sounds like they really scam people out of a lot of money.
David of Hollywood FL (01/17/08)
I got a call from these people and they said that I was referred to them by another company because I had applied for a credit card. Well, I did but didn't know companies do referals, or not. So I was told I am getting a credit card and this will help me with my credit. All I had to do is use it anywhere at least once every 3 months. After all the questions I had, Mr. Kenneth Wilson had all the right answers. They say Yes, this is a secured credit card and you can use it at your leasure.
After all the authorization, I had to pay $100 twice, once on 12-3 and one on 12-14. Once I paid, I received the card. I told my fiance and others that I got my credit card. Funny that no one heard of it. I should have known. But maybe a new company that helps people build up credit. Well, behold - A white card and a CD with a catalog. No credit card, just a merchant card with junk to buy. I was very upset. I tried to call them for weeks, (the fine print says that I have 30 days to cancel). I get a prompt to press one for a customer service rep. I do, then nothing. Not a signal, music, a recording says all reps are busy, please hold. NOTHING. I called my bank and told them I googled First National Card Services and found this complaint site. I am shocked to find many people in the same boat as me and how many ways they got us. My bank suggested that I close my current account and open up another so they don't try to take money out of my account. I am also going to send this stuff back with a letter of complaint (with copies of course) and cancel that way, since they can't answer the phone.
Sherry of Sparta TN (01/17/08)
My 17 yr old son received this card this week, unsolicited, and I wondered who would send a credit card to a high school kid. Well, I didn't even give him the card and letter. I first logged on here, and after reading all the reports, I am so very grateful that I did. Thanks for the great job you do of keeping America informed!
Amphouvanhna of Sacramento, CA (01/16/08)
I received an approval letter in the mail stating that I was pre-approved for a credit limit of $6500. I called to activate my card, entered electronic signature card code, and also it prompt me to say my first and last name. Then the automative system prompt me to speak to a live person. The live person asked me for my DOB, but then I came about Consumer Affairs website about them, and notice the complaint.
I told the representative that I wasnot interested, and I see that this company is a major scam. She quickly read a script saying that she needed my DOB information before she could answer any of my questions, and proceed with activating my account. I hung the phone.
Sasha of South Gate CA (01/16/08)
This company obtained my information and has debited money from my checking account, putting me in the red.
I now have credit damage.
Nicki of Stafford, TX (01/16/08)
1/11/08 I received this card in the mail. I was very suprised because my credit isn't all so great. However, my husband insisted on me activating it. I realized, I didn't see a visa or mastercard logo on it. Pondering, I'm asking, so where in the world could I use this card if activated. Then I realized SCAMMMM!
So I go to the web and low and behold I stumble upon the website. THANK YOU!!!!!!!
T. of Blue Island, IL (01/15/08)
I too received this offer just today for a $6,500 credit limit. My husband asked me if I was going to activate the card, and I told him not until I thoroughly investigate it on the internet.
Thank God I did!
Amanda of Southbridge, MA (01/15/08)
I am so glad that I found this site before I called to accept their offer.
I have the same piece of paper sitting at home right now from CCS saying that I have been accepted for $6500. Lucky me, I found this site and will not be using it!
Heidi of Soddy Daisy, TN (01/15/08)
I received an acceptance letter for a First National Card that I never even applied for. I thought it was very strange because a REAL card (not just one of those fake paper ones that comes in pre-approved notices) was enclosed in the letter with an activation number.
I have never heard of the company before and did not recognize their logo, so I tried to find them online. I ran into this website where others had the same thing happen to them.
I never activated it because I wanted to find out what it was first. The letter stated I had a credit limit of $6500 which I thought was strange because I have never had a credit line that high before.
Heather of Fort Polk LA (01/14/08)
My husband got the card info that is pictured on this site and called the number. He thought that he was applying for a credit card. He went through the prompts and then spoke with an account rep. They asked for address, DOB and such, along with our bank acct info. After the rep told him that there was a $199.99 membership fee, he said no, never mind, and did not complete the verification process. He thought that everything was okay and that he canceled before this process was completed. NO SUCH LUCK!
When I returned home from my trip I found that our account was debited for the $199.99 on Oct 1, 2007. I called my bank and had the charges reversed on Oct 12, 2007. I called CCS to see who they were since I had not approved the charges and they could not find any info on me or my husband in their system and hung up on me. Since then I have had 3 charges in November for $99.00, $99.99, and $99.00, 3 charges in December for $99.00, $99.99, and 99.00, and so far 2 charges in January for $99.00 and $99.99.
This company has tried to get a total of $1093.96 out of my account. They have been successful in getting $597.97, of that $199.99 was reversed and given back to me by my bank, no questions asked. They currently have debited $397.98 of my money that I have filled out notarized-written statements to get back.
Carla of Grand Rapids MI (01/14/08)
This company continuously calls stating that it is imperative that I call them to lower my credit card interest rate. Each time I attempt to tell them my phone number is on the Do Not Call registry, they hang up, but they continue to call, sometimes 2 or 3 times a month. One occasion I asked to speak to a supervisor and was immediately hung up on. Can this outfit be reported to the Federal Trade Commission? They seem to be basically invisible and yet continue to annoy and ignore people who are on the do not call registry.
I have a real concern that they are attempting to gain personal information.
Jerryn of Rocklin CA (01/12/08)
Five Star Bank reported inaccurate credit reports. I have letters saying they would reverse the credit reports, but they never did. I sold the building they held the mortgage on. They refuse to correct their errors. This is a standard practice of the bank. John Shelby acknowledges the error in their reporting but refuses to correct the credit report and said to go ahead and file legal action.
My credit report has dropped 80 points; I am unable to secure loan needed to operate my company. I am being turned down for credit cards over draft protection. I was denied a mortgage. This is the only late pay on my credit report. The bank's business practice has caused a lot of hardship to a lot of people.
Joe of Boston MA (01/09/08)
I also received an unsolicited card from this company with a $6500 credit limit. I'm glad I found this site to learn that this is a scam before I activated this card. I felt compelled to post this persuade people not to activate this card. I hope I help someone before they get scammed just like this site helped me. Good luck.
Carlos of Los Angeles CA (01/09/08)
i never signed up for this credict card and I received one. I want them to take me out of their systems. I don't wish to receive anything else from them.
Scott of Killeen TX (01/07/08)
I was overlooking an incomplete bank statement of a friend who moved to the USA from Germany. Although American, English is not his first language, and somehow he's been duped by this scam. This company appears to have attempted to hit him up for a trio of back-to-back fees for $99.99, $99.99, and $99.00 on at least four different occasions in a two-month time period. It looks like he got it back several times, but then they used the tactic of changing the billing name from Consumer Credit to CCS. It looks like he got taken for $400 from the scammers and $420 in overdraft fees.
Katrina of Houston TX (01/05/08)
I received a credit approval notice in the mail with a $6,500.00 limit and I know my credit is not that good and I did not apply for any for that same reason. I searched the Internet for more information aboput this company and thank GOD I found this site before calling that activation number. Thanks to all who shared there experiences! I won't be another victim for them.
Scott of Terrace FL (01/04/08)
I was relieved of 200 dollars thanks to CCA. They withdrew the money from my account without my authorization. They had sent the card and info to my wife in her maiden name and being that she is not the brightest when it comes to scams/finances she bit. She made the mistake of calling to see what it was about being that her credit is low.
They suckered her into giving them the account information and when she realized what there were going to do with it she said no, You cant do that and we actually heard the audio of the conversation saying no. They basically said, too bad, we have the acount info and will use regardless of what you say now. To them it doesnt matter who the account belongs to, as long as they get it.
Carrie of Sacramento CA (01/03/08)
I received a pre approved letter wanting me to activate my card with them. There was no visa/MC logo on the card which caught my attention and then realized it's for products only through their catalog. There's NO contact numbers other than the one to activate the card which I wasn't about to do. I have had fradulent charges on one of my cards recently and I wasn't about to open this account. My only concern is someone else will activate it. I'm not about to give them any information and I threw the offer away.
Shawn of Lewiston ID (01/03/08)
I recieved my first national card with a 6500 dollar limit. I called to activate it and the gave me 1100 dollars more for my limit. A few weeks later i recieved my conformation papers and it said i had a trial period and needed to cancel by jan 3. i called jan 3 to cancel and they told me that they could not cancel they have already submitted the payment to be drawn from my account and said that the papers they sent me should have said jan 2.
i argued with them and told them i had the papers right in front of me that said jan 3. they offered me extra credit vouchers of 200 dollars. i told them i did not want them and they told me the only thing they could do then is charge the payment to my merchant card if the bank did not pay (i would have to overdraft my account). So know matter what option i take i have to pay them 200 dollars they only thing i can get changed is the dates.
Theressa of Lakeland FL (01/03/08)
I received this card with a credit purchase limit at $6,500, and today I called to activate. During the Holiday season I had applied for some credit cards, and I thought this was one of them. I just figured it came a bit late, but I didn't think too much about it because I was so excited that I got so lucky on the credit limit. On the line with the recording, I somehow got approved for now an increased credit limit, $8,600. I didn't wait for the pin number after activation because that was for cash on-demand and I figured I would activate that part later. But I now realized that's where everyone seems to give their bank information, and really get stuck in their web. Thankfully, I skipped that step.
Instead, after activation, I was excited to try to use it, so I went online to see if I could even use the card and where. I found many complaints about this card being a scam and how they get into your bank account when you give them your bank information, and start taking money. At first I was worried they would get into my bank account too, but then I remembered how I already drove my bank account in the hole almost $300, and that the bank locked my account. No more money can come out, so CCS can't even get anything from my account right now. I then remembered that during the activation process, the recording asked if my bank account was in good standing. Knowing that my bank account was already in the hole, I said no, that it wasn't in good standing and it gave me another number to call. I called just to listen to what it said, but didn't follow through with it, and instead called the original number back. This time I said that my bank account was in good standing, and that's when I got my credit increase. I never gave my account information so I'm curious as to why they gave me the increase and I'm interested to see what happens. Being naive and desperate to fix my bank account, I finished the process of activating. And it seems that was probably a mistake. I do not intend to use the card now, but instead to find out how to cancel it before it's too late.
I am worried that when I do fix my bank account that this card company will be able to drive my account back in the hole after I've been doing so much to get myself back on my feet. Does anyone know if they can get my bank information on their own and take money out without my approval, or if there is a way I can stop them even after having already activating the card?
Vanessa of Crescent City CA (01/02/08)
I received an unsolicited 'credit' card from First National/CCA stating that I had a $6500 spending limit. I thought that this was strange due to my credit rating and decided to read the information in the paperwork. I found out that the card was only good when used for products from their catalog. I thought that this was very strange so I went online to see what was in their catalog. I did not find a web site belonging to this company.
What I did find was this web site with a lot of other people with stories exactly like mine. I am very glad that I didn't activate the card! I am very upset that I was sent this scam, and I want to know how they knew that I had bad credit as I do not give out my Social Security Number! I do know now, from reading other peoples' stories, that I can expect to get many more of these!
Angelina of Port Byron NY (01/01/08)
I could never get a live person when dealing with this company. I am trying to make sure that I am not billed anything. They asked me if I had a checking account, and I told them not. Yet they put me through another department (which was also automation) in order to complete the activation process. I applied for a Visa, and I thought that this was the Visa I applied for. I really do not want to go through anymore drama.
I already had identity theft, and have been scammed by survey companies which promised to pay, and never did. I worked twelve hours out of each one, and I have yet to be paid by any. You can help me with that, also. Thank you. I am unable to get my car on the road. I am unable to pay my telephone bills to have phone service again.
Wayne of Greeley CO (12/31/07)
I got a pre-approved card from CCS, and from what I have been reading I am glad my mailman was running very late, and it was on New Year's Eve because the activation number said I needed to call back during business hours. I have no idea how they got my info, and I haven't had an active bank account for several months. I did have my name put on my brother's account recently.
I am going to go to the bank on Jan. 2 and make sure this company cannot charge the account. It looks like I am safe just as long as I haven't called them to activate it nor have I given them bank information. I am really glad I did a Google on this company and found this site.
Dee of Moulton TX (12/31/07)
My daughter has 4 children and 2 of the oldest kids received these supposed credit cards. These kids are 14 & 11!
My first thought was that the kids are doing things on the computer that they shouldn't do but after reading on line I can breath a little easier. BUT, it alarms me that our children's names are on phishers lists. We've even had a phone call from CCS saying that the 14 year old had a delinquent account.
I tried calling but couldn't reach anyone.
Dashawnda of Yonkers NY (12/27/07)
They sent me a credit card with $6500.00 limit I never applied for. I did not accept it.
Talisha of Valdosta GA (12/27/07)
I called this company, and to me they were a rip off. I think that something should be done about it. This situation definitely needs to be looked into, and I hope whoever reads this can stop this company from defrauding anyone else.
Tyler of Irvine CA (12/24/07)
I received an offer from CCS First National Card in December 2007. It piqued my interest, so I called to ask some questions. I went through the automated steps to activate the card and was then transferred to an operator. The lady was nice and asked about the weather here in Southern California. I asked her where she was located and she said Las Vegas. She asked me the typical info like my full name, DOB, and address. She then asked me for my bank account information. I told her I did not feel comfortable giving that out. She got a little flustered. She actually put me on hold. When she came back, she went into a scripted answer. She said it was necessary to verify I have an active checking account. I told her I did not want to set up automatic debit from my account. I asked her why they could not just add the annual fee to my balance like most credit cards. She got even more flustered.
Then she started to get a little nasty. I told her I did not have my bank account information on me. She asked where it was. I said it was at my office. She then asked for my office address which I did not give her. She actually told me I should look around my place for a bank statement or call my bank from my cell phone. She was pretty insistent. I had figured out this was a scam a few minutes into the call, but I was sort of having fun. She tried and tried to get me to find my bank account. They must get a commission if they succeed. I told her I would have to call back. She told me I would lose all the first caller benefits like the increase of credit limit to $8,500 and the $200 credit in merchandise. I told her it was a chance I was going to have to take. I knew, and obviously she knew, that if I called back, I could not get to anyone.
Spread the word about this company. It is not illegal, but it is a scam. They prey on individuals with credit problems in their history. Most of us are looking to re-establish credit and jump at the opportunity to do so. Read the fine print. They do not lie, but they definitely mislead. And don't ever give out bank account information over the phone.
Atul of San Jose CA (12/24/07)
I have received a pre-approved credit card from First National/CCS. I am complaining about how they accessed my records. I have not applied for any such card from this company. It appears to be a fraud. I am not activating the card but am concerned that they still have access to my banking information.
Rolando of Pembroke Pines FL (12/22/07)
One of the First National cards arrived in the mail in a 2nd party's name.The card looks cheap, and I immediately sensed fraud. I tried to call the number to report the matter; however, the prompts were more concerned with me activating the card. I then went online to discover that my suspicions were in fact correct. I simply destroyed the documents.
Christy of New York NY (12/22/07)
My husband received a CCS/1st National card in the mail, saying he had been approved for a $6500 credit limit. Having recently been a victim of identity theft, we searched for a customer service number to call to say that he did not in any way want this card, and that his information had been obtained fraudulently. The only phone number was the activation number, which I hung up on. I did not want to take a chance of activating the card. I went online to research this company and found a staggering number of complaints. The irony is that my husband has no credit cards, has not applied for any, and does not use the internet. How his personal information has been obtained is a frightening mystery.
Candi of Hayward CA (12/18/07)
They offer $6500 and state that if I do not respond to the letter, I will automatically be charged $200.00. There is no way to speak to a live person and cancel. I will put an ALERT or BLOCK at my bank to prevent them from making any transactions. WHY AREN'T THESE PEOPLE IN JAIL?
Kerry of Temperance MI (12/18/07)
I have received this card many times in the mail and finally thought I would give it a chance. I haven't had anything taken out of my account yet, but after reading the complaints I'm afraid of what will happen. I am still waiting on a catalog and haven't received anything else from them, but when you do call they are very loud in the background and make it hard to hear everything they are saying. This whole thing is terrible, and something needs to be done.
I don't understand how this company can still be in business and defrauding people without anything being done. Where and who are the people who are supposed to stopping things like this before it gets this far?
Russell of Chicago IL (12/14/07)
First National Card misrepresented itself to me. The company is a scam that keeps calling and asking for banking information from me and social security numbers.
Ngeeng of Anchorage AK (12/13/07)
I have just received an card indicating I've been approve for $6500 credit limit. My husband received one four months ago. For me it is my second time since I've read about it. I remember I was stupid enough to activate; after a week or so my checking was overdrafted ten times, and each over draft charge is twenty dollars--not knowing why and how or even from where. My husband and I went to the bank get info. about it, but I lost two hundred just the over draft.
Tara of Scottsdale AZ (12/13/07)
I received this card in the mail with the same $6,500 credit limit that everyone else has already reported, and called the number listed on the paperwork to cancel the card. (I thought it was one that I had previously applied for, but decided against, after the fact.) I never gave out my checking account information. All I did was call the number from my cell phone and enter the 16-digit card number from the front of the card I received, as well as the last 3-digits of the approval number on the paperwork. Does anyone think they can still send me bills and/or withdraw money from my checking account with the limited information I gave them?
Tracy of Liberty Lake WA (12/13/07)
I received a credit card that I did not apply for. When I try to cancel it, I get the runaround. It is for a catalog order company, for $6500, and they want a $200 fee for the card. How did they get my information to begin with, and how do I get them to cancel it?
I have been stressed over this issue. After reading some of the other complaints online about this company, I'm afraid they might get more banking information about me. This needs to be stopped at once!
Mollie of Roslindale MA (12/13/07)
My boyfriend received several offers for this card in the mail a mere two months after moving to Massachusetts. I read over the information the first time they sent it and disregarded it, thinking it was a scam. The second time around I sat down and poured over the information they had sent. Being that it is holiday time, and my boyfriend was new to the area and had just started a new job, we thought maybe the cash advance option associated with the card may be worth the $200 activation fee. He went through the entire process, waiting to receive the cards in the mail. Instead, he received a letter stating that our bank account number was invalid. The number was off by one digit. He called immediately and was told that he would have to fax a voided check to the company and that activation would now take an additional 14-20 days, meaning that he would not be able to get cash from them until after Christmas--thus defeating the purpose of the card altogether.
After speaking to a manager she assured him that they could expedite the process but only after a half hour on the phone. She provided us with a fax number to fax the voided check. The number was incorrect, so we called again and they gave us literally the same number with a few digits changed. I was in the room when my boyfriend had them read the number back to him three times to ensure it was correct. We then spent the next hour driving around trying to find an open store that had a fax machine. This number was ALSO incorrect. At this point, my suspicions about this company were becoming a reality. He called back twice only to be given the same fax number which was someone's cell phone.
I went online this morning to see if I could find anything about this company and what I saw only confirmed my suspicions. I have called our bank to make sure they do not authorize any money to be debited from our account. I am in law school and cannot believe that this company has not been brought down by claims of negligent misrepresentation.
Joel of Orlando FL (12/12/07)
I received an unsolicited Merchant card in the mail with a credit purchase limits of $6500 from CCS with a phone number 1-800-717-1278 to activate it. Since I had applied for other credit cards, I thought this one was one of them. When I called the number to activate, I automatically got a purchase increased of $8500 without verifying my income, credit or employment. This is what triggered me to suspect it was a scam. I even went through the whole automated activation process. Finally I needed to speak to a representative to get some pin code for cash advance. Once this service rep. started to ask me personal questions like my bank account information, I told the rep that I was in a middle of dinner and that I will call back. The rep got a bit despaired and asked me to put her on hold so I can get her my bank information. This is when I decided to hang up.
Next day I Googled it and I started to see complaints about the same company in this website. I want it to share my experience with other consumers. No one should have to go through this aggravation. Merry Christmas to everyone!
Teresa of Worcester MA (12/12/07)
I received a credit card offer from CCA First National Card services telling me that I have been approved for a $6,500 credit limit. I have never applied for this credit card and have received 5 of these offers within the last 12 months. When I received the first card I called to activiate as I thought it was a card I had actually applied for 1 week earlier. I immediately was suspicious when they repeatedly asked for by banking information. I told them no and ended the call.
I received another offer approximately 2 months later and wrote a letter to the company asking that I be removed from any mailings...well obviously they don't intend to stop sending the cards as I keep receiving the offers. The last one being today 12/11/07. How are they getting my info.
Maria of Cranston, RI (12/11/07)
Consumer Credit Services First National Credit Card: I received this card in the mail even though I had never applied for it. I decided to call, even though my boyfriend thought it was a scam. When I called they informed me that I had been approved for $2000 more than the $6500. I thought ...WOW...I haven't even done anything. I went through the whole automated system of activating the card, then a representative got on the line. He asked for my checking account number. I informed him I wanted nothing to come out of my account. He said that he needed this information to verify that I have a valid checking account. My boyfriend again thought this was shady and was concerned that there was no interest rate on the card. The representative became very irate with me so I informed him that I was going to call back. He started to yell at me saying that this card was going to help me out...then he hung up on me.
After reading about all the complaints on Consumeraffairs.com I became very nervous, so I tried to call the number back to deactivate the card. No luck, there is no number to reach a representative to speak to. I proceeded to call my bank and inform them of this company. I will watch my account in hopes that this company does not steal money from me.
Gregory of River Rouge MI (12/07/07)
I received an offer from this company stating I was approved for $6,500.00 limit on a shopping credit card. I never applied for this card and wa smart enough not to call the number after reviewing complaints on your web site. The thing that gets me is that I am on the prescreened&opt-out list. Why did I receive this offer?
David of Montego Bay OTHER (12/05/07)
It seems to me this card has a tracking device on it: I had been in the US for some time; now I'm back home in Jamaica, and the strangest thing is that this card followed me. It came at a time that I do need a bit of cash. I was going to activate because I thought it was the card I applied for. I did research on the card, and I found consumeraffairs.com web site. Obviously this card and company is a fake, a scam or just some company's way of making a quick buck off people with low or no credit. A law suit sounds nice right now for that company.
Kristina of East Peoria IL (12/03/07)
My younger sister, who is 18 years old, received a pre-approved credit card of $6,500. When she opened it, there were two credit cards in there. One with her name printed on the card, the second contained another name with the woman's information on it. My sister did not apply for this credit card. There is no number to call for customer service and on top of that, she now has all of this woman's information who we do not know. By being the good people that we are, we tried to call the company to let them know about the mistake, but there is no number for customer service, only an activation number. Now if we have received this lady's information, only God knows who has received my sister's information.
Patrick of Sacramento CA (12/01/07)
I have read some of the complaints here about the CCS First National Card. One complaint caught my eye. Jen of Oxnard CA (11/26/07). CCS does not get personal information about others through Bank of America. All people who have registered for anything, requested information about anything or entered any silly little lottery drawing is where personal information is shared accross the Earth. I don't see that CCS First National Card is a scam. Unless one is blind or can't read, they seem to keep their end of the bargain. Although when it is time to pay the piper, yes it is nice to be able to complain in order to get out of paying for a service that one used. If one doesn't care for the offerings that this card gives then simply cut up the card and never use it. I used this service and was never charged more than what I agreed upon. Bank accounts are not charged blindly by CCS First National Card. Of course the advertisement seems like a warm a cozy deal. If humans are still fooled by warm and fuzzy words HMMMMM! Business is business. Pay attention folks.
I used this service and was never charged more than what I agreed upon. Bank accounts are not charged blindly by CCS First National Card.
Letrice of Valdosta GA (11/28/07)
I have received 3 letters with the First National Card (CCS) attached to them stating that my card was ready for activation. There are ridiculous activation fees that are covered by saying there are no interest rates. I never applied for the card, and it grabs your attention by giving you a $6,500 credit limit. I never activated any of the cards, and I haven't seen any unauthorized charges on my credit report.
Stacie of Egg Harbor NJ (11/28/07)
My 18-year-old daughter received the First National card and asked me if it was a credit card. When I Googled the company, I found the very long list of complaints and actions that this company did to unsuspecting people on the comsumeraffairs.com site. Thanks for the information! Being naive, my daughter would have also been out the processing fees, activations fees, and the 28% interest. This company needs to be stopped.
Linda of Hillsdale MI (11/28/07)
I just received this First National Card stating that I have a credit limit of $6,500. How insane is that? What is strange is that I do not have good credit, filed bankruptcy, have no checking account--and I don't even work. I'm a full-time student making my way and learning at the same time; and these people try to ruin this country by offering credit to those who cant even afford to pay for it. This should be against the law. I'm glad I did research and found this web site.
Dale of Port Orchard WA (11/26/07)
I thank the PERSONS that are typing and leaving their CCS (First National Card) experiences and reporting on this site. After some research on, I found nothing but this site on this so-called company. It is good to know the truth about them. On the reverse site of the first page of this company's information, under the heading OTHER CHARGES (FEES) AND OTHER INFORMATION, they tell you what you get, not much. Scam, most likely. Please read all info in the future on anything you get. I learned the hard way 9 years ago.
Jen of Oxnard CA (11/26/07)
I received unsolicited Merchant Card/CCS with available credit, $6500. I investigated on internet and came to this site. I have read through comments about this company. A couple of people have stated that they bank with Bank of America. That makes me extremely nervous, because I also bank with BoA. I do online banking with them also. Maybe this is where this company is getting all their information. I have not activated the card but am concerned that my bank account will be tampered with.
Billie of Ballston Spa NY (11/26/07)
I received a Merchant Catalog Membership Card in the mail that I did not request. On the outside of the envelope it states that there is a card ready for immediate activation with a cash pin code available within 24 hours.This card has an activation fee of $200 and an annual fee of $198--split into two charges of $99--over a two month period of time. I did not activate this card. I phoned my bank to ask them if I could flag my account as to not let any charges be deducted from my account. I was told that until I was actually charged there is nothing I can do.
Pablo of Kihei HI (11/26/07)
My wife received an unsecured credit card that apparently is a scam. I Googled the name First National Card/CCS, and there seems to be complaints every where. Please do something.
Paul of Voorhees NJ (11/25/07)
I have received one of these unsolicited First National Cards (CCS). I have not called at all to activate or cancel the card since, according to some of these complaints, simply calling will result in charges to my account. So far, I have incurred no charges. I will continue to closely scrutinize my account and send a certified letter requesting this card be canceled. Also, I am reporting this company to as many forums and organizations as I can.
Jose of Nevada City CA (11/24/07)
I had applied for a Visa Capitol One card; 3 days later I get a piece of mail saying I had been approved. I think it's my card I want because I signed up only for that card, nothing else. I start reading that I get a credit line of $7500 at 28.9% interest and $200 introduction fee, and for 3 months they take out $99.00 I call and they are very nice. Fifteen minutes later he says "Okay, so you are going to activate this catalog card, and I say yes.
I AM SO GLAD HE messed up and said CATALOG CARD because if he kept saying CCS I would had activated this thing. I then said, "Naw, I don't want to activate this." This is really weird;I don't know how they got my information. I hope they get sued for all they have.
Kenneth of Dearborn MI (11/19/07)
I received a CCS 1st National Card in an opened envelope. Anyone could have looked in the envelope and written down the approval number, the card number and their phone number and called to activate the card.
I have no idea if this card is being used by someone. This could be credit fraud.
Joanne of Belmar NJ (11/17/07)
I received this unsecured credit card of $6500.00 in the mail, with the instructions to activate, etc. My husband saw it was for credit to a mail order catalog. I couldn't find information on the net anywhere for this catalog, but did find all of these awful stories on this site...Had I fell for it, I would have been overdraft in my bank account as well, as I have been disabled due to illness, and have been out of work for almost 1 year.
I did apply recently for some credit and I can't believe these people would seek out individuals in hardship positions and take advantage of situations like mine and some of the ones I read. These people should be in jail! I have to THANK THIS SITE AND ALL THE PEOPLE for the WARNING...How this continues to go on for SO long is beyond me. I am going to report them as well to the better business bureau. I know others have. I advise everyone who has had any experience like this to do the same.
Angeline of Cranston, RI (11/10/07)
I received a letter in the mail saying I was qualified to receive a card in the amount of about $6000 or so. I called the toll free number and spoke with a rep who activated the card and I agreed to the terms.
A couple of days later I changed my mind, called the same number and was told that I would have to send a letter stating I wanted my account canceled. I did this and they still took money out of my account. When I called to ask why, they said they had never received the letter so I sent another one and another one. Finally, I sent them a letter with a return receipt and called them every single day until finally they canceled my account.
In all they "stole" $500 from me.
Ms. P of Hampton VA (10/27/07)
I tried to call CCS' special edition membership number to speak to a customer service rep but no response. Yesterday I called to activate the card, but I don't have a checking account. Today I called again; now it says that my card number is invalid. This is a scam; they need to be put in jail for this. If I get a bill statement in the mail I am going to try my best to sue these people because I don't need my credit to be messed up. I have three children to look after.
Josue of Apopka FL (10/23/07)
I received a CCS approved credit card at both my home and business. When I called to ask more information, I was not allowed a chance to ask but immediately was asked questions related to activation of the card. I hung up. It seemed like another scam.
Nikki of Waltham MA (10/22/07)
I received a CCS credot card in the mail 10-22-07 and thought it was a credit card I had applied for. I went online to activate when I realized after going through the activation process, that this was a fraudulent credit card/company. I tried to cancel the card immediately, but he would not cancel the card. He told me to call the number on the back of the card which is the same number for activation of the card. Essentially, there is no way to cancel this card. I am in fear of incurring unapproved charges.
I have incurred, according to this company, $500 in possible charges to the card within minutes of activation with no recourse for deactivation on my part. Potential harm to personal credit. I have not had calls answered.
Shellina of Manti, UT (10/17/07)
I received a first National Card from this company offering me a credit limit of $6,500. CCS promises no interest rates ever and if you call in as soon as you get it, they say that they will offset the activation fee of $200. I would have given this company a try but since I got this card without applying for it, it was just too fishy.
The only thing that really worries me is that it could have been sent to the wrong address and someone else could have activated it and racked up $6,500 in my name. I also wonder where they got my information.
John of Montgomery, AL (10/16/07)
CCS sent me this mailing with what looked like a credit card that said I had been approved for a $6500 line of credit to use exclusively with this shopping company I have never heard of.
I did some research on this place and I am so glad that I didn't call to activate this thing!! I cut up the card and shredded the rest!!
How on earth do they get our confidential information?
Samantha of Midlothian IL (10/09/07)
CCS sent me an offer after I applied for some other credit cards on line. I called the activation line after reading through the information. When the lady asked me for my banking info, I declined and hung up. They were fast talking, which is a red sign to me. If any credit card wants your banking information, don't do it!
Jaymie of Kahului HI (10/08/07)
I got this letter in the mail that I am approved for a $6500 credit limit from CCA FIrst National Card. My Bank account is being charged their fees when I did not even activate this credit card. I need to know how to stop these people. Because whatever little money I had in my bank account now I can't even feed my 3 children because of them. Now my account is over drafted, thanks to these people. Also I can't even get in touch with this bank at all.
That amount was over $300 or $400 dollars. I can't even pay my bills.
Alma of Lake Worth FL (10/05/07)
This company really took me for a ride. I had activated the card with the knowledged that if I activated the card within a period of time, I will not get charge an activation fee. But sure enough they debited my act. I called to cancel and they said they will send me a form in the mail. I never received the cancellation form.(I had been on hold for 20 min) Three months later, I saw that they debited my account again. This time I was furious because it was three payments of 99.99 each. I called on 10/4, they could not find me in the system through a name, tel #, address, dob, soc.sec. no. I called again today 10/05 and asked to speak to a supervisor. After waiting on hold for 30 minutes, Marius Batch #58108 indicated that they did not have anything showing that I had cancelled and that it was upto my bank to refuse the debit of the initial activation fee. I told him that I already knew that the activation fee was non-refundable but that I did not want any further activity from this card. He said because the activation fee came back as sufficient funds that I was now an active member and that I should send a letter cancelling the account.
This withdraw cause an overdraft in my account with the bank charging me an additional $32.00 for each overdraft and unable to buy groceries for my children.
Juan of Bronx NY (10/02/07)
I received a letter in the mail It said stating I was Pre-Approved a credit purchase of $6,500.00. congratulations your card has arrived call immediately to Activate this card i call to find out about this card i look for a phone number to get more info When I called, the automated recording stated there were no fees up front and that I just had to send a voided check in the mail and continued on to state that an operator will be on to give me a pin code for cash on demand.
After the recording I was transferred to a live operator named Tom. He read some information to me and then asked me for my bank information. I told him, No I am not giving my bank information over the phone and I stated to him what the recording stated. immediately hung up. I would like to know how CCS First National Card obtained our information.
Anita of Wakefield RI (09/22/07)
I received a letter in the mail stating I was Pre-Approved a credit purchase of $6,500.00. A friend told me that I should try this out so that I can Re-Establish my credit. When I called, the automated recording stated there were no fees up front and that I just had to send a voided check in the mail and continued on to state that an operator will be on to give me a pin code for cash on demand.
After the recording I was transferred to a live operator named Jeremy. He read some information to me and then asked me for my bank information. I told him ,No I am not giving my bank information over the phone and I stated to him what the recording stated. immediately hung up!
David of Rossville GA (09/20/07)
I received a thing that said urgent Approved 6,500.00 from ccs catalog. I went to research this company. I would like to know where they got my information. It kills me that people get taken advantage of, please take my advice do research on them first.
Phyllis of Trinity NC (09/19/07)
I was solicited by this company and was told that I qualified for a 1st National Platinum Card with a credit limit of $4500. I was also informed that I had a cash advance limit of $2000. I was under the impression that this was a Mastercard or Visa. THe guy I spoke with also said this would cost $200 however he would give me $250 in vouchers. He got the $200 out of my bank account. When I received the card it was a complete SCAM!
When I listened to the conversation I had with the rep., he rambled over that this was not associated with MC/Visa. He also rambled over that this was a nonrefundable fee. They lead people to believe that this is a special promo. This is an easy way for them to make money. I was completely misled!
Gina of Everett MA (09/05/07)
I received a credit line of 6,500.00.
Thinking it was a visa credit card.
I activated the card, realizing it was card for merchant only credit. I have no use for this card. They are charging 200.00 for activating. THIS IS FRAUD.
Gina of Everett MA (09/05/07)
I received a credit line of 6,500.00. Thinking it was a visa credit card. I activated the card, realizing it was card for merchant only credit. I have no use for this card. They are charging 200.00 for activating. I hope I dont get billed. I will file a lawsuit against CCA First National.
Shelley of Vivian LA (08/25/07)
Was sent information stating that I qualified for a VISA card. Sent back the information that was requested and received a CCA catalog shopping card in the mail. The activation fee was $200 so I did not activate it because I know that it was not what was promised or what I wanted. Have now received six more cards over the past 8 months from the same company. They always send them in a window envelope and until you open the whole thing you don't know it is not a credit card. Anyone could get my mail and think hey look, a credit card and activate it under my name. Then I would get stuck with the bills.
Monica of Germantown MD (08/13/07)
My son received what appears to be an unsolicited credit card in the mail with a $6500. limit and an activation number to call. There is also an outrageous $200 fee if one chooses to activate it! My son is currently serving a deployment in Iraq, and did not request this card which he would have no need for.
Christine of Woodland Hills CA (07/06/07)
I received a call on my cell phone from 1st National. They told me I had qualified for a credit card with a $2000 limit, offered as a credit-building card. Since I had recently applied for a MasterCard I believed that this call was in response to my application. They had a lot of information about me that further lead me to believe that this call was related to my recent MC application.
They managed to charge my checking account the $200 activation fee. I tried to call the company to deactivate the card to no avail...either the number listed would just ring without getting picked up, or I would get a recording stating that all lines were busy.
Shannon of Livonia MI (04/28/07)
I received the CCS catalog card with my name on it, activation number, etc. I had never heard of them so I figured I would go online and see what they had to offer before I did anything. Something deep down told me to investigate further. Lo and behold, I got this web-site. I am sure glad I did not activate this card.
Loraine of Bronx NY (04/26/07)
I recently received a letter from this company stating that I was approved for a credit card with a $6,500.00 limit. I NEVER applied for this card. Yet they had ALL my information and even claimed to be able to AUTOMATICALLY take money out of my bank account. I decided to call the OPT-OUT number provided at the bottom and realized that it was the SAME NUMBER offered at the bottom of ALL THE OTHER pre-screened credit card offers I had been receiving lately. Very suspicious. During this call, with a machine, I was informed that these companies got my information after I requested a credit report from the three CREDIT BUREAUS!
Isabell of Elizabeth NJ (04/22/07)
I received an unsolicited card from these people. I checked on-line and came across these numerous complaints about the same company. I called my bank and closed all my accounts immediately. However, I had issues with my bank because the suspect card has a misspelling on my surname name exactly as my bank has on my debit card. This made me suspect that First National got the information from the bank.
The coincidental thing is that 5 weeks earlier I had applied for a credit card with my bank. I now feel that I can’t really trust my bank anymore. I asked the bank about this but they said it’s unlikely that their people would share my info with anyone else, and that I should check with the credit bureau they used to research my credit history. Pease stop these people!
Mary of Kaneohe HI (04/21/07)
I received a $6500 credit card addressed to my son at my address. My son hasn't lived at home in 16 years. My son did not request it. All someone has to do is call to activate. I would like to know how CCS First National Card obtained our information.
Mitesh of Pasadena CO (04/18/07)
I got this letter from them informing me I have a credit card with a limit of $6500. This is without me applying for this card. I fail to understand how they got my address.
Teresa of Columbus MS (04/05/07)
This company sent me a card with a 6500 dollar limit, to use only through their company, I never requested this card,i don’t know how they got my information.
Savannah of Bristol FL (04/04/07)
I got a credit card in the mail today for this CCA Catalog. I didn't apply for it nor do I want it. I tried to call every number that was on these 2 pages that were sent with it and every number that I called was completely automated and you couldn't speak with a real person. Who are these people anyway?
Amanda of Anchorage AK (03/29/07)
Got approved for a credit card that I never applied for. Dont know where this company came from. I just want this company to leave me alone.
Christina of Visalia CA (03/20/07)
I received a credit card from First National Card today. I read through the entire two page letter and found that there is no customer service phone number. I never applied for this card and do not know how they got my information. It frightens me that this has happened. I know that identity theft is a major concern now-a-days so I take necessary precautions. I have called my bank to try to block any charges this company make to my account. Their advice is to close my account and order new cards for my self and my husband. This company works with Paypal, Shopping.com, and Ebay. Consumers beware.
Rachel of Las Vegas NV (03/17/07)
Well, i used to work for these awful people. if you receive a card- DO NOT CALL THE ACTIVATION LINE!!!!!!! I cannot stress this enough. if your bank account gets hit with a withdrawal by them- that means someone somewhere has your information!
Rachel of Vienna VA (03/17/07)
I received an unsolicited letter with membership card in the mail today and I did not request it. I am unsure how they got my personal details without my authority. I went to call the only number they provided to cancel the card but i only got a recording to activate the card. I cancelled the call when they started to ask me whether i have a bank account. I hope I did not activate it. I then did a search and came acc\ross numerous complaints, and I am wondering what else I should do as others who had received this in the mail and never did anything about it, $$ got deducted from their bank account (i wonder how they have the authority to do that if the person did not give them their bank acct details).
Kathryn of Birmingham AL (03/15/07)
This is the 3rd or 4th time they have sent me a card that I have never applied for. On top of that, I have moved 3 times and now they are sending it to my business. I do not want this card. What is the point of having a card that you can only use at one place anyway?!
Fatoumata of Pasco WA (03/14/07)
I received a letter and a credit card from First National Card. I immediately tried to call to tell them I hadn't asked or applied for any credit card. I couldn't reach anyone. I DON'T want their card and DON'T want them to send me any more.
Ursula of Los Angeles CA (03/14/07)
I received a credit card with a $6500.00 limit. I never requested this card. I called the number on the back of the card but it seems it’s only for activation, no real operator to speak to. I don't want this card. How can I cancel it when there’s no phone number to reach them?
Benjamin of College Station TX (03/13/07)
I just received this unsolicited credit card in mail ALONG WITH ALL MY PERSONAL INFORMATION. I'm at a loss to understand how my personal information has been compromised! I just got in touch with that bank through the number they had given as customer care number, but it turns out to be only the card activation number.
Robert Victorville CA (03/12/07)
3/12/07- I received the $6500.00 First National Card. I have asked for this and have not activated it.
Robert of Kennewick WA (03/09/07)
I received an unsolicited credit card from CCS First National Card. I never applied for this card and cut it up and threw it away not even calling them what so ever. The letter that came with it said i was approved for a $6500.00 credit limit. A few days later my bank account was hit for $49.99.
Ketan of New York City NY (03/08/07)
I haven't applied a credit card through this company, neither do I know them, and I have received a preapproved credit card. I haven't activated it, but sound very fishy. I try to reach them personally but I couldn't.
Jennell of San Diego CA (03/03/07)
I was sent an approved credit card, ready to be activated, that I did not apply for and have not activated it but went online to see what it was and came across these complaints. What, if anything do i have to do about it?
Andrea of Lubbock TX (02/25/07)
I have had no response from First National Card. I do not know what this card is about and I did not activate this so what do I need to do?
Paul of Northridge CA (11/07/06)
I recieved a first national card from ccs, at my new home. BUT NOTHING HERE IS IN MY NAME. how did they get my info? From bank of america. Bank of America is sharing our personal information,unauthurized. The only person place or company that has my personal info is B of A. Maybe this will answer all of the posted questions on this website regarding: How did they get my info?
Tara of San Diego CA (11/07/06)
Received a unsolicited credit card from CCS First National Card. I tried calling the 800 number to tell them I never requested nor want the card. The telephone prompt immediately asks for my social security number which I would not give them. You never get to speak with a live person. I checked my credit report and this company now shows on my credit report.
Cheryl of Jacksonville TX (11/04/06)
Sent card in mail didn't ask for. Called to get information or a web address to check it out and had to activate card to get anywhere. When I said I didn't have a checking account i was given another # but it is bad wouldn't go through. I guess i am lucky.
Martha of Coral Springs FL (08/07/06)
On 8/7 I received this card in the mail unsolicited. It came with a credit limit of $6500. Knowing that I did not request it nor had I applied for the card, I tried to call to cancel. The only phone # is the activitation number. The automated response does not give an option to speak with an individual. Only one option is available. Activate the card or disconnect the call. I am returning the card tomorrow. Hopefully, this will be the end of it.
Jason of Moab UT (05/30/06)
I recived a First National Card that I did not sign up for. I was stupid and activated it for the trial period. I have tried to cancel it, but they keep trying to talk me out of it. I have decided to call them one more time. This time I am going to record the conversation.
Amanda of Richmond VA (04/24/06)
I received this credit card that I did not apply for. I cut it up and returned it and wrote a letter stating that I did not want the card. They turned around and sent me another card. I do NOT want the card. I dont want it and never asked for it! I'm going to call again and rip it up and send it back to the company AGAIN!!
Alexandra of Staten Island NY (04/18/06)
I received this unsolicited credit card in the mail but never requested or activated it. I DO NOT WANT THIS CREDIT CARD! Anxiety attack and emotional upset that resulted in signs and symptoms of physical and emotional illness. I will keep checking to make sure that economically my credit is unblemished and that no money is withdrawn from my account.
Samantha of Providence, RI (04/11/06)
I recieved these unsolicited cards in mail but never activated them. When I called my bank I found out this company had charged my bank ac | 
•