Complaint Review: First Capital

I am 21 and a single mother, at the time they ripped me off i was only recieving wel-fare for my income. I thought getting a credit card for 29.95 would be great to build my credit and to use in case i had to get something for my 4 month old son. they charged my account at least 5 different times for different amounts, totaling my account to be $295 over drawn and i am still getting charged by my bank because i can not pay all of that, after i called and cancelled, which i tell you was not easy at all. I thought being new to all this banking,money, credit and credit cards i just got ripped off and will have to pay for it and learn from it. Now I see it was not me that messed up and would love to have more help if anyone can offer some???

Vanessa
Bakersfield, California

I was a former employee who sold Capital First credit cards. I came across this site and immediately I got sick to my stomach. We were staight up lying to the people on the phone and the managers and bosses knew it. All they cared about was how much commission they were getting from the amount of people who said yes to us sending out the pay as you go master card.

Of course our pitch was that it was an actual credit card when in actuality there was no amount on the card at all until you put money on the card. They have gone on to selling something called freedom phones with the same idea. They get people credit card numbers and they say they will send out a cell phone but never do.

There are employees who have written down the customers credit card number and have used the credit card for there own use. They also started selling something called Galleria Reward a so call discount card for places like J C Penny, Zales, Walmart. None of these companies know anything about this card so another fraud, where they get people's info and use it or sell them for money.

The company is called Assail Inc. They are at 1071 E. 100 S. Suite C-1 St. George Utah. 84770. Phone number is 435-627-3309. The owner is Kyle Komoto, VP is Joel, one of managers is Clint, or Tracy.

They are all ripping people off. All the employees also are either on probation or have been in trouble with the law before so they are just happy to be working anywhere and don't mind doing the companies dirty work for them. I am sorry that I was a part of this company who ripped off so many people. I hope they do get shut down. They have over 8 call centers in the states and in the carribbean also.

I have reorted this company to the BBB of Southeast Florida. The BBB sent me a letter from the company stating they would issue payment on August 18th of 2002.

It is now September 19, 2002. I called the company today and spoke to Michelle rep. no. 0002. I was told that my refund was delayed because of my reporting to BBB and that the refund could take as long as 60 days. It was also suggested that I not make anymore reports with BBB.

My position on this issue is that action needs to be taken against this company and others like them.

To all the other victims keep complaining or nothing will ever change the deceptive practices of companies like Capital First Benefits Inc.

Floyd Cunningham

Listing your complaint on many Government links are no better than the BBB and are most likely just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available for all to see, so consumers will NOT be educated as to what exactly they should be looking out for. By these agencies not letting you see these complaints, making them public, you never know how bad the company or individual rip-off really is.

On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country..

Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country also come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency.

Rip-off Report has instigated many local and national stories, resulting in help for victims' world wide, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs.

ED Magedson
EDitor@RipoffReport.com

Listing your complaint on many Government links are no better than the BBB and are most likely just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available for all to see, so consumers will NOT be educated as to what exactly they should be looking out for. By these agencies not letting you see these complaints, making them public, you never know how bad the company or individual rip-off really is.

On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country..

Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country also come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency.

Rip-off Report has instigated many local and national stories, resulting in help for victims' world wide, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs.

ED Magedson
EDitor@RipoffReport.com

Listing your complaint on many Government links are no better than the BBB and are most likely just a waste of time, giving you false hope. Many government sites (like the BBB) just collect all information from you, the consumer, but never make that information available for all to see, so consumers will NOT be educated as to what exactly they should be looking out for. By these agencies not letting you see these complaints, making them public, you never know how bad the company or individual rip-off really is.

On the other hand, many government agencies have and do come to the Rip-off Report for information. We have been assisting many government agencies for some time now, including the FBI and Attorney General offices from around the country..

Now that all these Rip-off Reports are out in the open for everyone to see, in a way, this embarrasses these agencies into doing something when they see so many reports on a Company or Individual, because they are now out in the open for all to see. Unfortunately, many (not all) Attorney General Office's and government agencies will not move against a rip-off unless there is going to be some sort of publicity on the rip-off. By reporting your experience on the Rip-off Report, is the next best thing to getting your story on TV or in a newspaper. Most national TV networks and many local TV stations from all around the country also come to the Rip-off Report for information they will not get from the BBB, Attorney General office's or any other government agency.

Rip-off Report has instigated many local and national stories, resulting in help for victims' world wide, in one way or another. Most government agencies will never even bother with rip-offs unless it involves $50,000 or more. Now that the government is cutting back even more dollars for these types of programs, this number will even get higher and we can expect even less to get done, by even less people to work on all these rip-offs.

ED Magedson
EDitor@RipoffReport.com

I too have been "ripped off" by this company and also believe they are continuing their devious practice to scam money. I have contacted the State of Florida Attorney General's Office and they directed me to the FTC (Federal Trade Commission) working in conjunction with the State of Florida. ALL individuals who have been victimized by this company, Hartford Auto, and Mega Premium Savers should contact the FTC at this number (877-382-4357) or (202)326-2222 as an investigation will not occur unless NUMBERS of people complain. They will take the complaint over the phone and give you a reference number. The more people that complain in this manner, the better the chance they will act quicker to respond and stop Capital First.

According to an ex-employee, the headquarters in located in Waco, TX. You can file a report with the secret service for credit card fraud. We need to put a stop to this. You can call TX Secret Service at 254-741-0576.

Dear Vance:



I too was one of Capital First victums!!!!!!!



After many long conversations with clerks on the phone I finally got what they said was a supervisor name "Shane W2002" HA!!!!!



After talking at to Shane I finally got upset and asked him to hold on for my Attorney. Of course he hung up when we got back on the line.



I called my bank and went in and filled out paper work to stop them for withdrawing any more of my funds. And to replace the amounts they had withdrawn. Naturally I now have NSF fees to contend with and no hope of ever getting this back, my bank (which is a good small town bank) has offered to refund this for me.



Please let people know to be careful Even if you say no sometimes people can still take you for a ride.



Good luck to all of us taken by this "Corporation"

My name is Barbara Morris and I would just like to make it known That I believe these people are still operating. I just recieved an unsolicited phone call on my unlisted number from a man wanting to give me a 0% interest credit card. He said he got my phone number from a broker. He wanted my checking account number to charge me $29 to get this credit card. I asked him some questions and did not feel good with his answers so I did not give him any info, so I think I beat him. Upon researching "capital first" on the internet, I found this site!!! CONSUMER BEWARE!! Thank you for letting me have a place to tell someone about this.

Dear Vance,



I am responding to your rip off report because i too was victimized by this so called company. To make a long story short, i went to my bank as soon as i found out that they were scam artists after trying to look up their site and ran across the rip off report.



Thank the good lord because i immediately went to my bank and First Capital was kind enough to put a name and routing number beside the debit on my account.I can try to get that for you if you'd like. That made it easy for my bank to get my money back.



They put a stop payment on that whole number to prevent any further withdrawals from FCCG.It makes me sad to know what these people are doing.I have some phone numbers here for you, i hope they help you in some way. Can you e-mail me and let me know if any action is taken. I have filed reports with PHONEBUSTERS in Canada and plan on going to the media. I hope everything works out for your Clien. Bless her heart.Here is my e-mail address. Anderson5inSC@Aol.com



Here are some phone numbers.. I hope that they help you . 416-488-7213 is the Corporate Office in Ontario,Canada. you will get to speak to someone. Not that they will help you.. But one person i spoke to told me it was a RIP OFF COMPANY. Sad huh? Here is a FAX Phone Number.416-488-1497 that is also to the Corporate office.



Here is the phone number to PHONEBUSTERS 888-495-8501.Call and file a report.. they already have over 700 reports on this company, maybe more by now.I did receive a Package from First Capital.. and this is the address that it was sent from..it is probably FAKE too.. Benefits Po Box 935 BEL AIR MD 21014



I hope i have helped in some small way.

Have a Great day and Good luck



Sincerely,

Karen