You won't believe this...
I couldn't believe what I was hearing over the phone - -$248.85 on an account that I had never used, a card that I never charged, and apparently never even got. I got a random phone call around Jan/Feb of and got this great offer over the phone about this card that I could get with a discount company. It was CCA. I was told over the phone that the yearly fee was $99.00. I didn't think it was too bad, considering I had no other bills to pay. Plus, it was auto-debited out of my account so I wouldn't have to worry about forgetting to pay the yearly fee.
A short time later, I got what I thought was my card in the mail. It was, apparently, only an "activation" card. I never actually recieved my card that I could actually use. I found that out only after I called them to find out why they had been trying to draw different amounts that what they were "allowed" to draw from my account. After almost 2 years of not using the account, not even recieving a card I could physically use, and never getting a single notice in the mail until May 1st, I hadn't heard a word from CCA. When the bill finally arrived, it stated that my new balance was only $99.00.
I thought that was the yearly fee, and I could take care of that, then close the account, since I never ended up using it anyway. I wanted to also close my old account with Navy Federal Credit Union, the account that CCA was debiting money from, but I was unable to. At least, I was unable to until I paid a debt of about $167.00. Apparently, CCA was trying to debit $49.95 not once, not twice, but three or four times a month. The amount sounded strange because the yearly fee was $99.00. I got another bill again stating that my balance was still $99.00. Since this seemed strange to me, I called CCA to find out what the problem was. The amount given to me over the phone that I owed was $248.85.
They had also been charging me for a Payment Security Guard, Extender and Protector, and the Prefered Member Card that I never recieved. $49.95 per charge. Again, three more charges that I was never notified I was being charged with. I tried to remove the auto debit, so they wouldn't try to debit money again from an account with, already, a negative balance. They refused to do so. I was outraged. Since I was never told about these charges, and they renewed my account without first contacting me to see if I even desired to do so, I can only assume that this company is trying to rip me off.
Since I had no way to contact them today, I went online, and found this website, and decided to write this report. I hope all military personnel, as well as civilians, read this and DO NOT get involved with this company. I am taking legal action with my husband's legal office at his command. Let's get rid of all of those working to steal our hard earned money, and put us into debt. Stop scam artists from scamming not only you out of your money, but stop them from scamming the rest of us as well.
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