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Credit Card Protection Agency, Inc. Deception
$3.25 Check Comes With Hidden Strings
- Post your own comment.
- My complaint. Last week, my wife received what appeared to be a check in the amount of $3.25. It purported to be from the "Preferred Carholder Division, New Visa® and MasterCard® Department". The front of the envelope in which the check was mailed stated in big bold letters: "Rebate Check Enclosed". A corporate emblem on the left-hand side of the check contains the name "Credit Card Protection Agency, Inc." There was no notation on the check that it came with any strings attached. One may have assumed that it was some sort of refund for payments made upon his or her existing credit card.
My wife considered cashing it but asked me to look at it first. When I read the fine print on the back side of the check, it states "Please enroll me as a Preferred member of the Credit Card Protection Agency * * * for the low annual fee of $89". In my opinion, the mailing my wife received of an offer for "credit card protection" disguised as a credit card refund check was deceptive. I am sure many innocent people out there cashed the $3.25 check and were later presented with a bill for $89.
On this message board, a poster identified as "southbound" reports the following:
I also recieved a check. I assumed (silly me) that it was from my new cc company as they offer rebates (or rewards, however they word it) for purchases. I cashed it and didn't give it a second thought (except for 'cool- $3'). Now I have recieved the packet (almost 2 mos. later) telling me that the rebate check I cashed has been processed and my protection service is in full effect, wth. They are urging me to send in the enclosed credit report release & credit card registration form, which is not going to happen of course, but how do I know what charges I already unwittingly agreed to, and how would I stop it. Do they have my actual cc # already? They act like they do-(listing my cc account on the form like so-( xxxxxx ). Sad.
I have no idea what service is provided under "credit card protection" offered by this company; however, I suspect it is similar to services that the FTC has ruled to be fraudulent. See FTC Acts to Stop Credit Card "Protection" Fraud (case involving Universal Marketing Services, Inc.).
If you have a problem with the credit card protection program offered by Credit Card Protection Agency, Inc., please feel free to post your information to this page.
Joseph Raymond
St. Louis, MO
User Comments
The below comments were authored by users of this web site who are responsible for its content. MedLawPlus.com, Inc. has not verified the accuracy of the comments - complaints appearing on this page. Click here to add your comment to this thread.
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From: Carolyn
State: Washington
Posted: 06/30/2009
Subject: No Check here - but...
Comment: I have a charge on my Credit card for $69.00. Then I looked back and a month ago, I had a charge for $1.25. I never got a check and I never deposited any. I have no idea how they got me, but they sure did.
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From: Scott
State: Illinois
Posted: 12/12/2008
Subject: mysterious $89 charge
Comment: Well I'm in the same boat as everyone sans that original $3 check! I just happened to notice that I owed this amount as my balance was at $0 prior to the $89 charge. I'll obviously dispute it, but I am beyond how I cou ... Read More
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From: Melissa
State: MD
Posted: 08/18/2008
Subject: Biling
Comment: I also cashed a check for $8.25. I would like the number to the Credit Card Protection the check was drawn on JP MORGAN AND CHASE. I want to try to prevent any damage before it happens.
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From: Caroline
State: CO
Posted: 05/06/2008
Subject: Fraud
Comment: I never cashed those $3 checks. However, I did receive a letter last year saying that my failure to respond would sign me up for the Credit Card Protection, I figured it was a scam and tossed it out. Shortly after I was ... Read More
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From: Arya
State: DC
Posted: 05/05/2008
Subject:
Comment: The same thing happened to me. I get those $3 checks all the time, but tear them up immediately. Now I have a charge for $139 to my account from this company.... How did they get my cc information???
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From: Dennis
State: Miami, Fl
Posted: 04/05/2008
Subject: Household is your culprit
Comment: Dear Miguel,
If you own a Household credit card, than that is how they got your information. I also received the same check, and I cashed it. I called CCPA, and they refunded me the monet they withdrew from my accou ... Read More
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From: DENNIS
State: MIAMI, FL
Posted: 04/05/2008
Subject: HOUSEHOLD BANK IS THE CULPRIT
Comment: ****ATTENTION ALL HOUSEHOLD CREDIT CARD HOLDERS*******
****CCPA IS AFFILIATED TO HOUSEHOLD BANK*******
*****HOUSEHOLD BANK IS ILLEGALLY GIVING OUT*******
*****YOUR PERSONAL INFORMATION TO CCPA*******
**** ... Read More
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From: Miguel
State: MN
Posted: 03/07/2008
Subject: ccpa
Comment: 03/06/2008 - Today I went to my bank and after questioning my balance was told that an automatic withdrawal had been made for $139.00. When I asked by whom since I do not have automatic withdrawals the bank said that it ... Read More
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From: Heather
State: Virginia
Posted: 01/03/2008
Subject: CCPA fraud
Comment: I too was stupid enough to cash the whopping 3$$ check. The two years later I got a charge on my bank card for 139.00. I was blown away. I really hope this doesn't happen to anyone else!
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From: DENNIS
State: FLORIDA
Posted: 12/07/2007
Subject:
Comment: "ATTENTION ALL HOUSEHOLD BANK CREDIT CARD HOLDERS"
PLEASE BE AWARE THAT CREDIT CARD PROTECTION SERVICES
IS AN AFFILIATE OF HOUSEHOLD. HOUSEHOLD SENDS OUT THE CHECKS DISGUISED AS A REFUND CHECK. NOW WE KNOW HOW CC ... Read More
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From: christi
State: texas
Posted: 10/29/2007
Subject: 3.25
Comment: I got the 3.25 check today. Because I am in the process of re-establishing my credit the 1000 credit line stood out to me. Then I saw that it said an application for Continental Finance Gold Mastercard, I thought, hell I ... Read More
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From: Nate
State: oregon
Posted: 10/28/2007
Subject: wow!
Comment: Thank god I saw the name on the emblem on the left of the check.. I wanted to check if it was a legitimate company, so I went for a google check, and found this thread! I was thinking.. well, 1,000 dollar credit line wou ... Read More
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From: Luna
State: FL
Posted: 10/24/2007
Subject: Credit Card Protection Agency Inc
Comment: I received the same $3.25 check last night. The front read that my savings check was enclosed. Thinking it was a rebate from my cc company, i almost cashed it. Luckily i read the leaflet and researched it online. If ... Read More
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From: Norm
State: Ohio
Posted: 10/22/2007
Subject: Credit Card Protection Agency, Inc
Comment: The $3.25 check is a SCAM!!!! Shred it. My Grandson (18 yrs Old)received the infamous check. All these crooks want is his credit card # so they can get money for nothing.
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From: Joan
State: NC
Posted: 10/19/2007
Subject: $3. 25 Check for Credit card Protection
Comment: I receievd the $3.25 check in the mail also. On the back of the check it states that you are buying a protection plan and your credit card (if you write down your number and exp. date) will be billed $89.00 a year. It sa ... Read More
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From: Free-S
State: California
Posted: 10/18/2007
Subject: Credit Card Protection Agency Reply
Comment: I received the $3.25 check last week.
I'm sure that people that don't read! read! read! the fine print, would just deposit the check thinking that they have received something for nothing. My check came with a leafl ... Read More
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From: andreal
State: san diego
Posted: 10/17/2007
Subject: I KNEW IT SEEMED SUPSECT
Comment: I as well almost fell into this trap.I called there bank and ask that lady if they were ligit.She said she wouldn't do biz with this company.I dont like that this bank is even affiliated with this company.
They must ... Read More
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From: cheryl
State: ohio
Posted: 10/14/2007
Subject: ccpa 3.25 check
Comment: I received one also. it is basically a company trying to get your bank account numbers to access your money. i have not and will not cash this check it will go into my shredder
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From: Theresa
State: Iowa
Posted: 09/26/2007
Subject: Credit Card Protection Agency,Inc.
Comment: I just received the same thing today in the mail, at first I got excited b/c financially I am down, out and depress, but then decided to verify this info.I am glad I did. It is better to be poor and grateful then to be s ... Read More
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From: mabel
State: minnesota
Posted: 09/18/2007
Subject: credit card protection - deception
Comment: I was unfortunately deceived last year with this check for $ 3.25. From what I received, I understood it came from my credit card company and that they were sending this money as a way to "say thank-you", for opening my ... Read More
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From: Austip
State: WA
Posted: 09/11/2007
Subject: credit card protection agency
Comment: same here! i had a mysterious $89 charge on my account. I also recieved a check in the mail and thought it was a rewards rebate so i cashed it. They completely deceived me!
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From: Lynnett
State: Arizona
Posted: 09/07/2007
Subject: ccpa scam
Comment: I was quite upset that this company bought my address off of another company in order to increase its' numbers. It sent a check to my 13 year old. I thought that this was against the law? Furthermore, this is not the f ... Read More
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From: Charlotte
State: Hawaii
Posted: 08/11/2007
Subject: Credit Card Protection Agency
Comment: The check for $3.25 I received today came in an envelope stating "Your Savings Check is Enclosed" The insert claims that the check came on behalf of the new accounts department regarding your $1,0000 line of credit . . ... Read More
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From: Thom
State: NY
Posted: 07/06/2007
Subject: Bank Manager has seen this a lot
Comment: I am a branch manager for a bank who has seen literally DOZENS of these checks from Preferred Cardholder Division--and the hefty charges that appear on my customer's statements later. People don't read the fine print on ... Read More
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From: Jim
State: Ohio
Posted: 06/21/2007
Subject: Credit Card Protection Agency - SCAM
Comment: Tear up that check as soon as you get it. The whole thing has scam written all over it. On my $3.25 check they wanted you to write a credit card number and its expiration date below the area for endorsement - huh???
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From: Kevin
State: Virginia
Posted: 05/03/2007
Subject: Credit Card Protection Agency Offer
Comment: I just received the now infamous $3.25 check. I get these frequently from what I consider legitmate CC's to sign up for some stupid service that costs more than the benefit. I don't see this so much a scam as an offer ... Read More
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From: Jennifer
State: RI
Posted: 03/21/2007
Subject: Credit Card Protection Agency Inc
Comment: I just recieved this same check for $3.25 yesterday. I had just recently recieved a new credit card and thought it was just a rebate I was recieving from that. I flipped to the other side and read that I would be charged ... Read More
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