Consumer Credit Services First National Card

My first statement with Wells Fargo consumer credit account did not get delivered so the first payment was late. When they called about it I made the payment and they said they would waive the late fee. Two months later they are calling me four times a day to say that I have a balance due of $25 because the late fee wasn't in fact credited. Now, even though I have paid my account regularly the last two months this "balance" has caused another late fee!

They keep calling. When you ask them to stop, they hang up. This is not right.

CCS sent me a letter on 10/25/10 stating they are the collector for Hollywood Video. They said I owed $273.74 in late fees for movies rented during 2009. Hollywood Video is closed and in bankruptcy. I do not owe them any money! I do not know who is the scam artist here, CCS or Hollywood Video. I ended up speaking with a supervisor at CCS, Jerry **. He said they had other complaints about Hollywood Video and that he would contact them to dispute it. He said I did not need to, but I'm going to anyway.

They will probably report me to the major credit bureaus for a debt that I do not owe! I do not know what recourse I have at this point, other than to file complaints with the Massachusetts and Ohio Attorney Generals and the FTC, all of which I am doing now. I have researched CCS on the internet and there is plenty of info about their fraudulent activities and lawsuits filed against them. I need help in determining what course of action I can take against them.

I received a collections notice from this company in regards to the now defunct Hollywood Video store where I used to be a member. The disputed amount was approximately $121 for videos that hadn't been returned. I informed CCS (Credit Collection Services) that I had receipts proving that I returned the videos. I asked for a way to get in contact with the creditor (Hollywood Video) so that I could fax or send a copy of the receipt directly to the company. The customer service representative stated that they didn't have and wouldn't provide me with the creditor's contact information. She stated that I have 40 days to resolve this dispute or this will be reported to the credit bureaus.

I again stated that I have the receipts to prove the videos' return. She stated that it takes at least 30 days to process updated information and that in the meantime, the collection will still be forwarded to the credit bureaus. The above hyperlink is a list of other people that have apparently been through the same thing, although it sounds like the majority of the people didn't keep or receive their receipt. Prior to the local video store closing, I confirmed with the store clerk that all accounts and fees had been settled due to the store closing. It seems apparent that either CCS or Hollywood Video is attempting to collect bogus fees.

We have received constant harassment, and nasty, accusatory threatening. Is this legal? They are threatening to sue us. They are tying our phone line up, so we couldn't make any calls. We are senior citizens, and my husband's health is not good. This has taken a huge toll on our well-being.

They call on my business phone so I pressed the #1 to get a representative to take my number off their call list. I was about half way through stating that and she hung up. No name was given. This is about the 7th or 8th call.

I picked up the phone, and no one answered. I called back, and got a recording "if the last 4 digits of your credit card are not 4594, enter the correct card number" Who is this? Why in the world would I put in my card number? Is this a scam?

These people called my mother, who is 75 years old, with the promise of lowering her credit card interest rate. They asked her for her credit card number, expiration date, and 3-digit security code, which she gave them. Luckily, she followed her gut instinct and called her credit card company right afterwards to verify. They told her it was a scam and cancelled her card immediately. However, I wanted to report this because I'm hoping with enough complaints, these people will be caught and prosecuted!

I ran my credit report and a charge from CCS/First National Bank showed up for $494. I never charged anything or ordered anythng. I thought it was a scam so I cut up the card cause they wanted my bank information or a check sent to them and I jsut ignored it and now I owe them 494 according to my credit report

I received an invoice in the mail for a credit card I do not have or authorized. I asked them to destroy the data and they wouldn't. They wanted my personal information to verify the account and I did not want to give them information I did not see on the invoice. I have already been charged by this scam company for $233.08. She also told me at the end of the conversation that this phone call was being recorded and she didn't tell me this in the beginning. In addition they make it difficult to get into speaking to a live person when you first call in. I eventually was able to get through. They want me to send me information for proof fo r something they have no signature from my family.

We have been told many times by the staff at cccs and in brunswick that anytime we needed to ask questions to give them a call. However it is not the case. My husband and myself spent many hours trying to get ahold of a counselor only they seem to be unatainable, you can't reach them and when you finally do they seem to be upset and your bothing them like they untouchable and talk over your head. You have ligitemate questions concerning problems that transpire when you are trying to get the money together yet they do not want to be bothered. How can we help ourselfs when these companies don't or will not answer the questions.

Received a phone call from Card Services stating that they represent Visa & Master card and could get my interest rate down on my credit cards. They requested my credit card number with the highest balance. No damage since I did not give them any credit card number, but think it may be a scam.

this collection agency sent me a notice, I recieved it today, they want 4,571.24, they want it now, they are representing allstate. when i spoke with this collection agency, they threatened me. they told me to pay up or they would have my license taken away. I told her i can prove i sold it, transferred insurance, and the ad i put in the paper for selling the car. she got nasty. help me.

They continually call about first auto warranty then credit card services. I told them I was on the do not call list 3 times but they continue to call all hours of the day when I'm trying to work. The last 2 times when I warned them not to call they hung up on me. I am just upset and it takes me awhile to get back to work. I want their operation fined for harassing consumers after they're told not to call.

I have been receiving calls from this number on my cell phone with no messages. Today I answered and received a recording to press 1 to speak to an agent about my credit card. When an agent answered the phone I asked what was this about and she told me I had a [bad] conection and [bad] attitude and hung up on me. They seem to be out of control as they constantly call.

This company called using Caller ID spoofing, causing my caller identification services to display a telephone number that did not belong to the them, but rather to an individual, obviously an innocent victim whose telephone number was misappropriated. The telemarketer also rudely dodged my direct question of whether or not they were actually one of my credit card companies I have a card with. Because I maintained control of the conversation with this direct question they in fact hung up on me obviously not wanting me to discover their scam.

I keep getting phone calls even though my phone number is on a do not call list from a company called 'Card Services' to consolidate my credit card debt. When I asked on two seperate occasions, to take me off their list, they hung up on me mid-sentence. The third time, I spoke to a representative and asked them for the company name, her reply 'Card Services', a website she did not know and a call back number she did not have as it was a "special promotion" for a limited time so no call backs were allowed. She than went to get information about the web site, some guy got on the phone and asked if he can help me. When I re-iterated that I wanted a web site and a contact phone number, he said "oh is that what you want" and hung up the phone!

Have asked and also wrote a letter to Cease and Disist Communications with me under the FDCP and FCRA Act found under section 1292(c) Have recieved six calls today alone with the promise of more tried to tell these people I don't deal with collection agences and that I had contacted the company and was waiting to hear from them also told them just because someone calls me on the phone claiming to be a collection company I wasn't giving out my personal imformation on the phone never have and never will

They have been calling me several times a day for the past few months, with URGENT messages, that my lower interest rate special is going to expire, etc...When I asked him to take my number off the list, he hung up on me. Then I started getting the calls again, daily. So I answered and asked them how he got my number, and he said from my lender. This is a SCAM, DO NOT FALL FOR THIS. I am on the do not call list, I am furious. How are they still in business? The BBB has over 900 complaints against this company, under various names.

Extremely agitated and stressed out from daily calls.

A male Representative called claiming Experian gave my information to them because I pay my cards on time every month offering me a 6.9% interest rate. When I asked which card he said my Visa and then asked will this rate benefit you. I said I wanted to know which card and he hung up? Possible scam to get credit information for identity theft?

i got the ccs credit card thinkin it was a legit card. come to find out its a joke. thank fully my bank acct is closed so they cant get anything from me anymore but i would like to know if there are any lawyers willing to sue them with a class action lawsuit where all the people that have been ripped off harrassed and lied to can sue them for monetary refunds plus interest ans well as for damages.

screwed up my credit. got ripped off for my cash. caused more stress and depression cause of the lies and credit damage they did

I receive many recorded messages from this company on a weekly basis. However, today I was home to answer the phone. It was the usual, This is the last call to lower your credit card debt..... We have been trying to reach you..... I waited on the line for a customer service agent and spoke with a woman that identified herself as Mona. I asked the name of the company she represents and she told me Consumer Card Services. I then informed Mona that I am registered with the National Do Not Call list and she promptly hung-up on me. I am tired of be harrassed by this supposed company.

This company is harrassing my family with constant phone calls and messages left on our message machine.

I have no business dealings with this company but yet they call me daily, sometimes 3 times daily looking for a person whom I do not know. I tell them that I do not know the person and to stop calling, but they do not. This is harrassment for no reason. They tell me that some person gave them my phone number but yet when I tell them we do not know this person they call right back.

Stress from harrassment.

A company that calls themselves "Credit Card Services" constantly calls me offering to lower my rates.I have told them many times that I have never held nor will I ever hold a credit card.I inform them that I am on the National Do Not Call Registry and that they should not be calling me.There reaction has ranged fron a polite apology with the promise to take me off their calling list to very rude,angry and sarcastic remarks followed by an abrupt hang up.

I have tried both approaches with no results.The calls keep comming,one or two calls a day.When I talk to a rep.and ask their location and to speak to a supervisor I get hung up on.When I'm not home and they call, my answering machine picks up and they just leave a long silent pause followed by the tail end of their automated message.

Thank you so much for your time and effort to help me with this.

I have received DOZENS of unsolicited calls from this company at both my home number and home office number Automated message starts with, "This is an important call regarding your credit card. We have attempted to reach you several times and since you have not responded, this will be our last call. Please push "1" to speak to our representative about your card". Have tried have my # removed w/no luck. Yesterday went thru the process. Tanya did not identify the company or what she was selling, but wanted qualify me - Did I have any cards w interest rate over 10%, Did I owe more than $3000, was I on good terms with card companies. I answered yes to all. She then wanted my personal info. I said I needed info about their co. first. Name - "Credit Services". Where located - on the "east coast" - what city -" just the east coast". I ended the call. Again, I have rec'd dozens and dozens of these calls. I want them to STOP. All of my numbers are on the national Do Not Call list.

I also was trick in to believing that CCA was a credit card, when I spoke my mind, and demanded my money back, they increase my limit from 6500 to 8000. It 3 to 4 months for me to get my furinture, keep going to and adress that was vacant, then mymerchandise went back to the warehouse. After months of complaints, I was isssued a voucher of $70. towards anything out of the catalog. My advice to everyone is to check with the BBB, before givin out any personal info.

MY MERCHANDISE WAS COMPLETLY PAID FOR BEFORE I EVEN GOT IT.

This is the number that shows up on my cell phone- five digits in last #- called me left msg that important msg re my cc; called back s/w Tony said last chance to lower my APR- when I asked who he was with- stated Consumer Credit Svcs-wanted personal info-told him I would not be interested in anyone other than my cc service he hung up-tried to repeat dial same # he answered 1st time and non working #

He has my cell phone which compromises my private information-don't give it out to anyone except family/friends/emergency contact- have a home phone for that

to enroll in the program we were told they needed an $1,800 deposit to show our creditors we were really serious about this program. our credit is worse than it was when we started the program (although some balances have gone down). we received a letter in the mail from an attorney that they were doing illegal business in the state we reside in, which is ind. we had two choices 1. to drop out of the program 2. transfer to green path.

we did decide to transfer over but they will not refund our money. the original statement was that upon completion of their program in 56 months, we would receive this back. we are no longer doing business with them as a company because of a lawsuit and they are refusing to return our deposit. we asked that they transfer these funds over to green path in order for us to start the program with them and they are still refusing.

from the very beginning of their program we were late on all over our payments. they told us NOT to make our oct 2006 payment because of the $,1800 payment in advance. this ruined our credit right off the bat. before joining this program we had a 780 credit score, we just needed help getting out of debt sooner. now my personal credit score is 520.

we do not qualify for low interest loans therefore have to pay the price of high payments for everything. we are now suffering financially because of this. we were originally told that they could give us more money to work with during the month (more cash flow), instead our monthly payment to them kept going up and up and up. it ended up being about $500 more than originally quoted and we were stuck.

Starting a couple of weeks ago I began getting harassed by a phone 'bot calling in regard to someone who apparently had my Cell phone number previously. The 'bot instructs me to call the number referenced above if I am not the party they are attempting to reach. When I call, they appear to have caller I.D. as they already know the account they are trying to reach. I ask them to stop calling this number, that the party no longer is associated with it.

Then they start asking inappropriate questions of me such as name and phone number, which I'm reticent to provide over the phone to anyone, for any reason, but they tell me if I don't provide them with my information they will not stop calling. I know full well they are aware of the number the 'bot called, and my right to privacy should preclude me from having to be associated with someone who's account is in default by providing them with my name, phone number and whatever else they chose to ask simply because I was issued that party's old number.

Apart from having to waste my minutes to call back to ask they remove my phone number from their list, they are in fact harassing me, which is resulting in unnecessary emotional stress.

I ordered the card because I wanted to build my credit. However they promised to take out the 250 dollar start up fee in payments. They took it all out at once then we received the books but we had to pay a down payment for any credit, not to mention the prices for items out of their catalogs were 3 x the amount of walmart items at the same apparent quality.

We tried to cancel and we were told it was a no refund policy. In the end we didn't ever order anything and so we were never taken for more then 250 dollars, however that's a lot of money for a family with six children barely making it from payday to payday.

The cards are not real but I did everything they asked but I didnt buy anything. This all happened right before I deployed. Right now there is hardly anything I can do till I go home on R&R. As of right now they are billing me but I need to put a stop to it.

Money deing taken out of my account that is not doing anything for my credit. Barly being able to pay Bills.

I am a member of the cca 1st national card,imade an order and up to date have not received my order even when I learnt of the changes,i still write to the above address as dictated on phone but have not heard from them since then.

I have up to $300 tied down with all in the name of membership and renewal.

I received a credit card offer from CCA First National Card Corporation in the mail. I called to inquire. The offer sounded good because I needed to build my credit up. Part of the offer was that all purchases be made from their catalog. After about one month and when I did not receive the catolog I called to cancel because they had taken money out of my checking account. They told me I that I could not cancel or get my money back. Then, they suggested that I order at least $400 worth of mechandise when I receive the catalog and after I place the order then I should send them a written letter requesting to cancel.

I sent a written certified letter requesting to cancel and that no money is to be taken out of my checking account. They responded and said they would not continue to take money from my account. However, that was a LIE! In fact, they are continuing to withdraw money from my account.

Now I have bills that are past due, over draft fees from the bank and my credit is in trouble. This fraudulent company must be stopped.

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.

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.

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/

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!

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.

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.

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.

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!

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.

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

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.

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

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

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!

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

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.....

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.

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.

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.

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!

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.

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.

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.

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?

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.

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!

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!

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.

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.

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.

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!

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.

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.

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.

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.

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.

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.

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?

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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!

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!

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.

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.

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.

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.

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.

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.

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!

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!

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.

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.

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.

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.

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.

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.

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.

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!

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.

This company obtained my information and has debited money from my checking account, putting me in the red.

I now have credit damage.

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!!!!!!!

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!

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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!

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.

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.

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.

They sent me a credit card with $6500.00 limit I never applied for. I did not accept it.

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.

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.

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.

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.

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.

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?

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?

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.

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.

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?

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!

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.

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!

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.

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.

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?

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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?

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!

That amount was over $300 or $400 dollars. I can't even pay my bills.

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.