capital first credit card ripoff,account fraud ripoff swindlers ripped off and scammed screwed others too miami Florida
Capital first sent me an email saying I wass approved for a credit card limit of 2000.00$.I filled out an online app.Then they called me saying I had to pay a ACH check of $19.95 to prove my bank account was active.I said okay.(thinking well I'm getting much more credit it will be worth it).The guy said I would get my card in 1-2 weeks.
After 2 weeks I got a package of literature saying that to get my card I would have to pay a fee of $99.95 and another fee of $59.95.It said if I changed my mind and cancelled I would not be charged.I called that monday (2 days later) and said I wanted to cancel and that my bank account didn't have any money in it and it would bounce anyway. I said"I do not authorize you to take any more money out of my account cancel me.
"Well they went and tried to take the money out and cost me a $50.00 bounced debit fee.I called and argued twice but they said I didn't cancel when I called and that I knew all the fees when I signed up (LIE!!)And that They didn't refund insufficient fund fees.
Angela
Milan, Kansas
2 Updates & Rebuttals
capital first,first american leisure
#30
Thu, July 18, 2002
I was almost swindled out of 350$ by Capital first(They did cost me some money but I promptly closed my account when the unsolicited postal mailers came alleging I gave verbal authorization to take out $ for a mysterious"Hartford auto club"(I don't even have a license).
Then more money was going to be debited for a calling card with a monthly fee(never heard of them).
Today I got a call from a woman who changed her name from one minute to the next and had a hard time going and finding out where the"actual office building address is"(Which I asked for.,having been swindled before.)
This was the same theme,wanting my account # and a "processing fee" of 199.99.I think they are a new alias for capital first,now calling as First American Leisure claiming I filled out a application" NOT!"I did get a legitimate credit card,after a thorough research of the co. and many questions.Plains Commerce Bank.The fees all come as part of the credit already on your card,you pay it off with your monthly payments.Not a penny out of my bank account,no up-front fees,that is how a legitimate credit card will bill you.
anti
nyc,New York,
CLOSE your bank account
#3Consumer Suggestion
Mon, June 24, 2002
Go to your bank and CLOSE your account. Request a new account. Capital First will try to charge you again and again under different name.
You will get similar offers on phone, in e-mail, letter. If anybody offers you a GARANTEED 2-10k credit line for a a $50-200 upfront fee, it is a scam. Hang up the phone. Delete the e-mail.