why is ccs acting stupid?? what should i do??

Question

well heres the story...

since me and my girlfriend shop at ccs i thought hey why not get rewards and discounts since we shop there almost every week..so i went there filled in some papers and whatever and they said they would send me the little credit card and whatever...but that was in late july early august and its now october..so my girlfriend ordered a skateboard deck there for $90..and she paid for it her debit card and whatever..now ccs is charging us late fees and now theyre saying we owe them $250...the people keep telling me to use my account number but i dont have one..and then when i go to customer service they say i should have a card...its confusing now and im not paying late fees for somethingi didnt use a ccs account for..

so what should i do??

Answer 1

It seems pretty obvious that someone else has your card and is using it.
I agree with Jeff H, demand that they freeze the card and request copies of the signed charge slips.

You might order your credit reports to make sure there are no accounts reporting that are not yours.
Also check the inquiries on your reports to make sure there are no inquiries from companies that you have not applied for credit with.
If there are inquiries listed from the past couple months with companies that you have not request credit with, or do not have existing credit with, you might contact those companies and request that they provide any information they have that gives them permissible purpose to pull your credit.

After receiving the info from CCS and if it is ID theft, you should file a police report for ID theft.
You should send a copy of the police report to CCS and to the credit bureaus. Include a statement that you had never received the card and the charges made were not made by you.
If there are inquiries on your report that stem from that theft, you should include a dispute to the credit bureaus for them.

Jeff mentioned bringing up the FDCPA with CCS, but that won't do a thing to help. The FDCPA is for collection agencies and original creditors are not bound by it.

Answer 2

You can demand an accounting. You can also tell them to freeze the card because you never received it. Tell tell them you want photocopy of any charges signed since you did not sign them.
If they start saying a 30 day time limit has expired, explain to them that you are responding immediately after learning of the fraud.
If they refuse, remind them the FTC can enforce the Fair Debt Collection Practices Act which you may want to review by the link below.

I am assuming you are in the USA for my comments and the link below.

Answer 3

when you enter into any contract that involve credits or monetary benefits, please ensure that all TOS being read true and understood. This helps you to fight for any cases thereafter. While normally the procedure of acceptance any credit, or benefits cards that involve charges is by signing a prove of acceptance. therefore ask them a prove that saying you own the cards and start using it. You can always use your aliby to help you, lets say there is a prove stating that you recvd such cards on 7/7/07 but on that date you wasn't there.
nowadays level of fraud increase, beware in future in applying anything that involve credit or monetary benefits things

Answer 4

easy...just call them and tell them the problem ..and if they say you have one then just say "can i please speak to your manager?" and tell them that if they dont drop the charges then they will just lose you as a customer..then they should drop the charges..
'