Complaint Review: Capital First

A Capital First employee called me at work on June 19th and told me that I had been approved for a Mastercard with a credit limit of $2500.00. At first I was confused and told her that I didn't remember filling out any applications but she assured me that I did. There was 0% intrest and my payments would only be $14.99 per month. She said that all she needed was a check for $29.95 and my card would arrive in 4-6 weeks.

The woman already had all of my information. All I had to do was verify that it was correct. My gut told me that it was too good to be true but I didn't listen. I should have. On July 9th I received a membership benefits package that said I had 7 days to call and cancel if I didn't want it. There was no card. Just some applications and booklets.

On July 10th I called four times trying to cancel these benefits because I didn't want them and I definetly didn't want to pay for them. No one would help me. The last gentleman that I talked to would not listen to a word that I said. Nobody would cancel these for me. On July 11th I went to my bank to deposit my paycheck. My balance was NEGATIVE $91.00!!!!! after depositing my check. I completely freaked out.

Capital First had said that I approved 2 electronic check withdrawls for $59.95 and $99.95!!!! Not only did they lie but they took money from me that I didn't even have. I am now in the middle of filling out fraud packets to undo some of the damamge of overdraft charges and insufficient funds. The minute I tried to cancel they ripped me off. Now I am fighting to get all of the money they debited me plus my $29.95 since I never got my card. I also have to close my checking account and open a new one.

If you have any ideas on how I can get these people to give me back my money please let me know. I would love to see these SOB's shut down.

Crystal
McMinnville, Oregon