Yesterday I received a credit card from CCS credit service division. The card is titled: First National Card. I never applied for this card. If you read the small print on one of the pages it says that if you activate the card, it allows them to automatically debit your checking account for the activation fee of $199.00!
Under the terms and conditions, it allows you $200.00 credit with the first purchase over $500.00 to supposedly make the activation fee free.
First of all, my first name is spelled correctly on the card as is my last name... Which EVERYONE spells wrong! How are they getting access to my personal information?
Below is the information about them from the Better Business Bureau website from Nevada. This is very disturbing.
Better Business Bureau Serving Southern Nevada
2301 Palomino Lane
Las Vegas, NV 89107
(702) 320-4500
Fax: (702) 320-4560
[email protected]
BBB Reliability Report
Consumer Credit Services, Inc.
1050 E. Sahara #201
Las Vegas, NV 89104
General Information
Original Business Start Date: November 1996
Local Business Start Date: February 1997
Type of Entity: Corporation
Principal: Eric Peterson, President
Customer Contact: Kenitra Williams,
Phone Number: (702) 256-3000
BBB Membership: This company is not a member
Type-of-Business Classification: Mail Order & Catalog Shopping
BBB Customer Experience
Based on BBB files, this company has an unsatisfactory record
BBB Definition:
Unsatisfactory Record - A company has an unsatisfactory business performance record with the Bureau is based on the experiences reflected in BBB files. This file condition results when the company has failed to resolve or respond to complaints, repeatedly failed to respond or resolve issues in a timely manner, failed to resolve the underlying issues for a pattern
BBB Definition:
Pattern - More than 2 complaints involving the same allegations usually within 12 months that are significant in relation to the company's size and volume of business.
Of complaints, failed to honor their commitment to mediate or arbitrate disputes or honor mediated agreements or arbitrated decisions, failed to substantiate, modify or discontinue false advertising claims that are challenged by the BBB, or failed to discontinue unauthorized use of the BBB name and logo, a Federally protected trademark.
With the Bureau due to two or more unresolved complaints.
Complaint History
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
The Bureau processed a total of 608 complaints about this company in the last 36 months, our standard reporting period. Of the total (608) in 36 months, (194) was/were closed in the last year.
Complaints concerned:
31 - Sales Practice Issues
BBB Definition:
Sales Practice Issues - Claims of alleged sales presentations made in person or by telephone that contain misrepresentations of the product or service, high pressure sales practices, failure to disclose key conditions of the offer, and verbal representations not consistent with written contractual terms or agreements.
1 - Sales presentation misrepresented the product
2 - Sales presentation misrepresented the service
3 - Sales presentation used dishonest sales practices
25 - General Sales Complaint Issues
21 - Advertising Issues
BBB Definition:
Advertising Issues - Claims alleging print or electronic media advertised claims or practices misrepresent the service or product offer.
4 - Advertisement misrepresented a service
17 - General Advertising Complaint Issues
32 - Service Issues
BBB Definition:
Service Issues - Claims of alleged delay in completing service, failure to provide promised service, inferior quality of provided service, or damage merchandise as a result of delivery service.
5 - Improper or inferior service
27 - General Service Complaint Issues
149 - Billing Or Collection Issues
BBB Definition:
Billing Or Collection Issues - Claims of alleged unknown specifics.
48 - Unauthorized bank debits
1 - Failure to substantiate charges
100 - General Credit or Billing Complaint Issues
13 - Delivery Issues
BBB Definition:
Delivery Issues - Claims of alleged delayed or delivery ordered merchandise or materials.
9 - Non-delivery of products
4 - General Delivery Complaint Issues
361 - Refund or Exchange Issues
BBB Definition:
Refund or Exchange Issues - Claim of alleged failure to honor company policy or verbal commitment to provide refunds, exchanges, or credit for products or services.
360 - General Refund or Exchange Complaint Issues
1 - Unknown
1 - Product Issues
BBB Definition:
Product Issues - Claim alleging a product does not meet the expectations of the complainant, including defective merchandise.
1 - General Product Quality Complaint Issues
Of the above 608 complaints in the last 36 months, (194) was/were closed in the last year as:
182 - Resolved
BBB Definition:
Resolved - The company resolved the complaint issues.
32 - Company resolved the complaint issues. The consumer acknowledged acceptance to the BBB.
1 - Company offered a partial (less than 100%) settlement which the consumer accepted.
149 - Company resolved the complaint issues. The consumer failed to acknowledged acceptance to the BBB.
2 - Unresolved
BBB Definition:
Unresolved - The company failed to resolve the complaint issues.
2 - Company failed to resolve the complaint issues through the BBB voluntary and self-regulatoryprocess.
10 - Administratively Closed
BBB Definition:
Administratively Closed - The BBB determined the company made a good faith and reasonable effort to resolve the issues, although the complainant was not always satisfied with the outcome.
6 - BBB determined the company made good faith and reasonable offer to resolve the issues, but the consumer did not accept the offer.
4 - BBB determined that despite the company's good faith effort to address complaint issues, the consumer remained dissatisfied.
License Information
As of 10/24, we confirmed this company has a valid local business license
BBB Definition:
License - A permit or accreditation required by the State, Province, County or Municipality where a company is located indicating competence or professional certification that allows the company to provide products or services related to their particular field or industry.
For the locale in which they operate.
Additional Business Names
CCS
Additional Addresses
61 W. Utah Ave. #63 Las Vegas, NV 89102...
P.O. Box 17800 Las Vegas, NV 89114... (866) 353-0320
Additional Information
Consumer Credit Services, Inc. Is a mail order company which offers to sell a card that can be used to order merchandise through the company's catalog. The complaint history indicates a pattern of customer complaints relating to the company's selling practices, delivery of goods or services, unfulfilled contracts, and unsatisfactory performance.
Report
BBB Definition:
Report - A summary of activity reflected in a company's BBB file.includes basic business background, BBB membership information, and Bureau complaint activity over the previous three years. Also reports may include any known government actions, advertising issues or other information that results from activity conducted by the BBB.
As of 5/17
Copyright 2005 Better Business Bureau of Southern Nevada, Inc.
The information contained in this report has either been provided by the company or has been compiled by the Bureau from other sources believed to be reliable. BBB reports can not be reproduced for sales or promotional purposes.
As a matter of policy, the Better Business Bureau does not endorse any product, service or company. BBB reports generally cover a three-year reporting period, and are provided solely to assist you in exercising your own best judgment.information contained herein is believed reliable but not guaranteed as to accuracy. Reports are subject to change at any time.
Kellie
munnsville, New York
U.S.A.
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