I received a letter in the mail from CCS; CREDIT SERVICE DIVISION, the letter said URGET-APPROVED and a card was also provided and the name on the card was First National Card. So I called on December 8 and was informed of all the GREAT benefits I would be getting through them; $8500.00 dollar limit that would be reported to all the MAJOR credit card companies, no fees or interest ever, blah, blah.
So yes, I provided them with all my information including my bank account number. I was informed that I would be receiving another package with 2 new credit cards and a catalog within 3-4 days. I decided that this was not a great idea after the fact, so I called a number that I was provided for additional questions 800-279-6989, and spoke with a lady. I informed her that I no longer wanted their services and wanted everything to stop, she stated that she needed the numbers off of the credit cards that were coming to me in my second package before I could close my account, I asked what was the latest day to call and she informed to call no longer than December 17.
So I waited until I received my second package, which did come in a very timely matter, and called them back on December 15. I again spoke with a lady and informed her that I no longer wanted thier services and wanted everything to stop, she kept questioning me to why and if the money is a problem (1 time fee of $199.00) then they could extend the date of the debit. I kept telling her I DO NOT want thier services, so she finally said okay we will close your account and your bank account will not be debited for the fee.
I asked her if she needed the numbers off of the credit cards, and she stated she did not, very funny how I was told that the first time, and the call was ended. I tried to use my Visa check card on December 19 after I got off work at a gas station and it was coming back declined, which was very weird since I had deposited $150.00 that very same morning on December 19. So I came home and checked my on-line banking and saw the $199.00 PREAUTHORIZED withdrawal out of my bank account, and also noticed that I was also -$49.00 overdrawn. I also need to mention that my mom is on my bank account and I'm tied into hers, so if I bounce a check if comes out of her account. So needless to say, $56.00 came out of her account to pay the fee as well without her approval.
So I called CCS;Credit Service Division at 800-279-6989 and spoke with a man who first informed me that he didn't see that I had called in on December 15 to cancel their services, and then informed me that the fee is unrefundable. I informed the man that what he was telling me is unacceptable, going round and round and he kept putting me on hold and coming back to the phone. He then told me that he would be forwarding my information to some research department and they would get back to me within the next 24-48 hours.
I again informed him that was unacceptable and wanted to talk to a supervisor. The floor supervisor got on the phone and informed me the same that my information would be forwarded on to the research department and they would get back to me, but she did see that I called in on December 15 to cancel the account but the customer service representative didn't complete the process. She then told me that the research department was closed today and it would probably be Monday before they would get back to me. So now I'm in a waiting process, filing complaints with everyone to the Better Business Bureau of Nevada, the Federal Trade Commission, the Attorney General Consumer Protection Division, and the Better Business Bureau of Texas as well.
Lindsay
dallas, Texas
U.S.A.
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