First Capital, Capital Choice RIPOFF Boiler Room...New Info Miami Florida
Well, I had to get back here and give everyone the latest on these deceptive bastards. I sent a certified letter to Capital First on May 28th addressing their fraudulent practices and requesting removal from heir "membership". I just got the return receipt back from the Postal Service. For the so called employee of this "establishment" who has bashed us here, saying Capital First is legimitate and it is people like "us" who are too stupid to understand the offer because of our greed, all I will say is this....
After asking how the fees would be paid, I was SPECIFICALLY told it would come charged to the Mastercard. I have gotten cards that way before, and built up credit, so having it charged to the card was no big deal to me. Thing is, they tell you one thing on the phone, and it is quite another when you get what is supposed to be your card. They do whatever it takes to reel you in. This includes flat out lying!! It goes far beyond misrepresentation with these "people".
Why, OH, Why would a reputable, legitimate credit card company do ANY of the following:
1 - Have a mailing address, with a Suite# (aka Box#) at Mailboxes Etc.? Yes, that is what is on the certified receipt returned to me today. The mailing address they have given is actually the address to a chain called Mailboxes Etc. (nationwide private mailing service center). Ask yourself why they don't provide a physical address to where they call from. Boiler Room is the answer I keep coming up with.
2 - Debit people's accounts once they have said they no longer wish to subscribe to their "membership". After I requested that I be removed from the "membership" as described in the packet I received within 7 days, Capital First STILL tried to debit my account for the $159.90 using an alter ego. According to the "received by" date on my receipt, my letter reached them and was signed for the day before they still went in to unsuccessfully grab my money.
3 - Use outside affiliates and aliases to debit consumer's accounts REPEATEDLY. My bank informed me that they tried as Capital First benefits and when that didn't go through, they almost succeedded with "CFB", but I caught it in time. Thankfully, my bank worked with me, and I was allowed to open a new account and transfer all my money over with no other charges to me.
4 - Have a customer service line that is "busy" 99.99999% of the time, not to mention it isn't a 24 hour service like REAL credit card companies. And how about the customer service you receive when you DO get through. A legitimate company would ask why you weren't pleased, remove you and be done with it. I don't need to be antagonized, brow beaten and threatened because I wish to cancel.
I only lost the $19.95, but if it had not been for my uneasiness, and curiosity which brought me here, I would have lost a lot more. Luckily, I was able to cut off the feeding tube early. I really feel for the thousands of people who have been had by these bastards.
There's so much more I can add, but unfortunately, I am sure there will be many more consumers finding their way to www.ripoffreport.com soon enough to add to the mix. :o(
Dru
Pittsgrove, New Jersey
5 Updates & Rebuttals
arlene
austin,Texas,
Other companies
#6Consumer Comment
Fri, June 14, 2002
Beware of American Financial-$239.90, Hartford Auto Club-$99.00, Mega Saver-$39.00. When you call any of these customer service menus, all of the companies are listed.
I used the reverse directory on the numbers, and only found one. They have taken a REAL store's name in IL and are listed at a different address. This will also be reported to the Attorney Gen. in IL.
I have been fortunate and got all my money back, til the next round! Hope this helps!
Crystal
Ramona,South Dakota,
credit card scams
#6Consumer Suggestion
Sat, June 08, 2002
I have found a web site that everyone who has a complaint should also go to, this way, they saidif they get enough complaints on that company, they can do their investigation. Go to www.ftc.gov and file your complaint.
Dianna
Snellville,Georgia,
Continuing to put the ord out.
#6Consumer Comment
Thu, June 06, 2002
Though I was previously informed, I did indeed contact my states Attorney General and the BBB at the time this took place. Thanks for the contact info on Florida's Attorney General. I am still not giving up hope that this type of scam can and will soon be stopped, so I will continue to put the word out.
These Criminals Are Greedy NUTS!!
#60
Wed, June 05, 2002
This whole fiasco is so unbelievable, it is almost laughable. Today I received my dreaded Mega Savers "Free 10 Day Trial Card". It's postmarked June 3, 2002 from Miami. I just checked the return address and it is the one for Capital Choice (not Capital First):
9590 NW 25th St
Miami, FL 33172
Now, from reading other reports here (especially Dianna from Georgia), I knew ahead of time that they were indeed the same company, and what to expect next. Now, Capital Choice is being investigated by the Florida Attorney General, so they change their name to Capital First and procure a new mailing address? Yet STILL send materials from the previous FAKE scam company address? WTF??!! They are providing fuel for the people like me who intend to receive justice. I am going to be sure to photocopy EVERYTHING I receive from the first packet forward, along with my bank statements, the stop ACH orders, and freezing of my account that they STILL tried to debit, my Postal Service Certified Receipt that proves they are using a mail drop service, not a physical address....EVERYTHING!!
I don't mean to ramble, but everyone who has been ripped a new one by these con artists needs to do the same. I am sending EVERYTHING along with an informative letter to the Attorney General's Office that is currently INVESTIGATING them under the Capital Choice name. Here is the address and telephone numbers to contact the Attorney General's office:
Economic Crimes - Fort Lauderdale Office
Telephones
Voice: 954-712-4600
Fax: 954-712-4658
Mailing address
Economic Crimes Division
Office of the Attorney General
110 SE 6th St
Fort Lauderdale, FL 33301-5000
http://www.governmentguide.com/consumer_services/anti4.adp
Now, I only lost the $19.95, BUT the more people that do this, the better the chance of those who lost hundreds of dollars to one day see their money again, and stop these money grubbing bastards in the future. Don't just complain, PLEASE take action!!!
Dianna
Snellville,,Georgia,
Bravo! and Well Put!!
#6Consumer Comment
Mon, June 03, 2002
I fell for that scam too. I was lucky as well and my bank worked with me to get my money back and all I was out was the 19.95. I to changed my bank account information because I receievd 2 peices of mail stating that I would be debited another $99 and 54.90 from a supposed autoclub membership and a Mega saver. After 8 phone numbers that were given to me all directly related to Capital First, I was supposedly able to cancel my membership, AGAIN?!
Great analyses of this Phony and Fraudulent company. Oh, and about that mailboxes etc. place...wonder if they realize they are helping to support these Scoundrels? I will have to look at my Certified receipt copy I have at home. Great job!
Dianna