I would just like to say thank you to everyone who has posted here; this board really helped me. I, too, am a gullible college student, and I am also irresponsible with my money and poor (probably not a coincidence
I happened to discover the CCPA scam quite by accident. I thought I was having problems with the direct deposit of my paycheck, so I went into my school credit union and asked for a printout of my recent activity. Turns out there was no problem with my direct deposit, but I did notice a withdrawal from my debit card for $129 and it said CCPA and 1-YR as well. I saw the MD, but I wasn't sure if that meant it was from Maryland.
I racked my brain for what I could have spent $129 on, or what thing I joined. I went home and googled CCPA. Alarm bells went off when all I saw were things like Canadian Centre for Policy Alternatives and Connecticut Community Providers Association. I decided to call the 800 number given (thank God they gave that!) and they said it was the Credit Card Protection Agency, and I hung up. I googled that, then, and there was no website for it, so uh oh. Then I found a person writing about the deception with a link to this site.
I called back, and they answered, and I said that I was charged $129 and that I didn't know what it was, but I wanted to cancel it. The lady, although she didn't sound happy, said she'd cancel it. I was happy with that, but then she said that the money would be refunded. We'll see!