Complaint Review: CAPITAL FIRST

On June 28,2002, my wife received a call from Capital First. A women told her that she had been approved to receive an unsecured Visa/Mastercard, however she had to pay a processing fee of $29.95. My wife thought this was a great opportunity to start rebuilding her credit becuase she was 8 months pregnant and she knew that with a newborn there might be an emergency. Once the $29.95 was drafted from the account, the company said that they would mail her an application packet to sign and return for processing. There also were charges for processing When my wife received the packet we went over the information and I knew by the way the packet was made that this was not something that we needed ;especially if we have to pay for it.

There was a total of 207.00 that was automatically taken out of her account and she never received a card or refund. We've tried to make several calls and I even faxed a copy of certified mail that they should have received the application and benefit package on August 2, 2002. Now when I try to call I get a busy@ 866-892-6018 or an "overflow operator" says i'm sorry I don't have any account information, I will take your name and number and call you back. I have still have not received not 1 phone call from Capital First and all I want is my money back.

Latoya and Michael
Irving, Texas
U.S.A.