Complaint Review: FIRST CAPITAL CONSUMERS GROUP

ON JULY 06, 2002, I RECEIVED A CALL FROM WHAT APPEARED TO BE ON MY CALLER ID AS "CAPITAL ONE", I DID KNOW THAT WHOVEVER WAS CALLING ME HAD BEEN TRYING TO GET IN TOUCH WITH ME FOR MORE THAN A MONTH, AS I AM A HARD PERSON TO GET IN TOUCH WITH. I SPOKE WITH THE REPRESENTATIVE WHO EXPLAINED TO ME AND OFFER OF A CREDIT CARD WITH A LIMIT OF $2,500 WITH A DEPOSIT OF $199.

I AGREED AND WAS INFORMED OF A PIN NUMBER OF 2828 AND THAT THE DEBIT WOULD BE REMOVED FROM MY CHECKING ACCT ON JULY 12, 2002 AND THAT I WOULD RECEIVE THE "CARD" VIA MAIL ON JULY 26, 2002. I WAS INFORMED THAT A THIRD PARTY VERIFICATION WOULD BE DONE VIA CALL BACK, AND IT WAS. THE DEBIT WAS REMOVED FROM MY ACCT ON JULY 16 AND I CALLED THE NUMBER GIVEN TO ME (416-488-4664) ON JULY 30, 2002 AND SPOKE WITH A REPRESENTATIVE WHO INFORMED ME
THAT THE "PACKAGE" WOULD BE DELAYED AND NOT TO EXPECT
DELIVERY PRIOR TO AUGUST 5, 2002.

I CALLED THE COMPANY AGAIN ON AUG 5 ONLY TO BE INFORMED THAT THE TRANSACTION WOULD REQUIRE 21 BUSINESS DAYS BEFORE DELIVERY, AND THAT I WAS NOT TO RECEIVE ANYTHING FROM THEM PRIOR TO AUGUST 15, 2002 I AT THAT TIME ASKED
THE REP WHY SHE REFERRED TO MY CARD AS "THE PACKAGE", SHE THEN EXPLAINED TO ME THAT WHAT I WAS ABOUT TO RECEIVE WAS NOT A CREDIT CARD BUT INFORMATION TO BE COMPLETED PRIOR TO RECEIVING THE CARD, I TOLD THE REP AT THAT TIME THAT SHE SHOULD CANCELL THE ORDER AND MAKE ARRANGEMENTS TO REPLACE THE FUNDS REMOVED FROM MY ACCOUNT, SHE INFORMED ME THAT I WOULD NEED TO FAX IN A COPY OF MY BANK STATEMENT AND A LETTER REQUESTING THE RETURN OF MY FUNDS TO THEM TO YET ANOTHER LONG DISTANCE TELEPHONE NUMBER OF 416-488-1497, I FELT AS IF THEY HAD ALL THE INFO FROM ME THEY WERE GONNA NEED TO RMV THE FUNDS, THEY HAD ALL
THEY NEEDED TO REPLACE IT.

SHE REFUSED TO GIVE ME HER NAME AND REFUSED TO ALLOW ME TO SPEAK TO ANY SORT OF SUPERVISOR. IT IS NOW AUGUST 22, AND I STILL HAVE NOT RECEIVED ANYTHING FROM THIS COMPANY, NOR WILL THEY RETURN THE 3 CALLS I HAVE MADE TO THEM AND AWAITING RESPONSE FROM SOME SORT OF SUPERVISOR... TO BE
HONEST.. I JUST WANT MY MONEY BACK... I EARNED MINE AND I DESERVE TO KEEP IT, NOT STEAL IT!!... TRUST ME.. I WILL NEVER ...EVER... ALLOW THIS TO HAPPEN AGAIN!!

Patricia
Kalamazoo, Michigan