I received a letter for card activation from CCS The (First National) Merchant Credit Card. (There was no bank name, by the way.) I ignored the mail because I had previously applied for 3 other credit cards and I saw that this one had a HUGE annual fee and I didn't want that. I should also mention that I have no credit history which is why I was applying for so many cards and why I was targeted.
I went on about my buisness as usual until one day, when I was rushing to my college class, I received a phone call on my cell phone. And how did they get my cell phone number is my big question. I was frustrated with trying to get to class on time, so I just listened and caught that it was a credit card company.
My first thought was Capital One for some reason (I guess because that was the last company I had applied for), so I kept half-listening to what they were saying as I was rushing to my class. They were asking me to verify all of my information ie, social security number, mother's maiden name, bank account number, etc.By the way, NEVER give out that sort of information on the phone. ESPECIALLY your bank account number and social security number. I don't know what I was thinking.
They rushed me through everything and gave me some sort of number to call [ (888) 781-6710] if I had questions, and then gave me some verification number, so I thought all was well. I have sense called the number and found it to only say "Welcome. Enter the PIN number you wish, followed by the pound key." That's it. No bank name, nothing. The problem is: I didn't get a PIN number, so how am I supposed to check on anything? I even tried the verification number just in case, but it didn't work.
I waited about a week for the card to come in because they said that they would send it as soon as possible. When it had been about a week and a half, I went through my old mail to make sure that I hadn't missed my Capital One card somewhere. I found the envelope that I had thrown to the side with the "First National Card" information and decided to look through it and research it just in case I had thought wrong about it being Capitol One.
I looked all over the letter but could not find a web site to go to, so I looked it up on a search engine. I found this website (usacomplaints.com) and was astounded. I had been made a fool and had been cheated! I balanced my receipts and found the $200 missing from my account. I immediately researched from this website - which told me EXACTLY what to do and I took a trip to the bank the next day. They cooporated very well. I have Amegy Bank. They told me that they had one or two other cases like mine already and gladly reversed the "unauthorized" transaction.
I am SO thankful that I ran across this site because I would have been out of $200 and probably a lot more.
Travis
Cleveland, Texas
U.S.A.
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