Complaint Review: CCA; Capital Credit Alliance; First National Card - Las Vegas Nevada

I am a former employee. I'm not going to go into specifics (please read other rebuttals I wrote in previous reporst before yours) however the FTC regulates the companies practices each year they thoroughly go over the contracts and practices from the company. The settlement was more than likely for discrepancies in the paperwork give to customers. As you will in the other rebuttals criminal action can only be brought if the company is infact fraudulent which it is not. It is sometimes a rip off if you dont have alot of money when agree to it. As far as the "lowest life forms" comment I beg to differ. I have a 2 and half year old son, and I am as regular a person as they come. Most people would think that the company is run out of some warehouse when in fact it is a professional office building with over 300 people working there. And surely we are all not bad, we are just people with jobs like anyone else. It does bother me sometimes (or it had rather) when people called with stories about there rent and things like that but the truth of the matter is everyone has to take responsibility for any actions and the affects of those actions. Last, the majority of people who state that there account was debited without ever calling are telling half truths because there is no possible way to get ther banking info without them giving it to a representative. I'm not saying this to bulid up the company I am saying this because not everyone who does this job, myself included are jerks. It's just our job.

When I received this approval letter and credit card with credit line up to $6500 and no interest ever it just did not look right. I researched online and came to this website so I filed a complaint (dated November 1). I also had a police report filed through the county sheriff's department. I did file a complaint through the Federal Trade Commission (www.ftc.gov). The more complaints us consumers file through the FTC the more evidence they will have to go after this company. This is not the first time something like this happened. From 1996 to 1999 this company (under several different names) bilked $12 million from 80,000 people. I did call my bank to have this company (RED FLAGGED). So if they try to get money from my checking account (I never called to activate the card) they won't be able to get any money from my account. But you also have to mention that this company will change ID numbers through your bank so that has to be mentioned also. These people must be fully prosecuted and forced to pay restitution to all the people they had RIPPED OFF. I really feel sorry for the victims who don't have much to begin with. A couple of examples is one complaint says that they overdrawn on her account so she was being charged the overdraft fee and now don't have money to buy food to feed her children. Another complaint is that this company withdrew money from an account that is the Social Security for 4 minor children. These people are pathetic taking advantage of hard working people. I wish you all the luck and hopefully this information will help.