Complaint Review: Captial First

I called the company the day after I received my packet to cancell because it is stated that I have 7 days in wich to call and cancell before they take any monies from my account.

At 9:20 am on 08/28/02 I spoke to a woman named Tiffany and she talked me into pushing the processing date back by 2 weeks and told me to call again on the 10th to push it another 2 weeks that way the money would be in my account to cover the charges.
(I only get paid once a month. I am on disablity.)

I went on line on 08/29/02 to find out that they took the moneies out of my account any way and have caused me 90 dollars worth of over draft charges.The one fee of 59.95 was paid by my bank and the other fee of 99.95 bounced and because the 59.95 was paid it caused 2 other checks of mine to bounce costing me 90 in over draft fees.

I called the company again and spoke to a man named Ruel at 11:39 am on 09/06/02 and explained to him I wanted the monies returned to my account along with the over draft charges and he proceeded to tell me I would have to write a letter to headquarters and send a copy of my bank statement to verify the charges and headquarters will refund my monies.He could not return the 59.95 processing fee because it states it is non-refundable.

I then asked if he had a phone number that I could have to contact them and he told me " We do not have a number for them that the customer can have". I asked if there was a web address that i might be able to contact them that way and he said " no they do not have a web address.

I had to waith that long to call because I had out of state company and felt it wasn't anyone elses business what I was going thru with this.

Elizabeth
Sweet Valley, Pennsylvania