First Capital Consumers Took $219. to receive a Master Card with $2,000. limit consumer fraud ripoff Bel Air Maryland
On Feb. 14 (approx) I received a call from FCC telling me that I would receive a Master Card with credit limit of $2,000 a pre-approved application for a Visa Card with another $2,000. limit, a personal computer, a cell phone, and lots of other things for only $219. I can't believe I fell for it but I did. My husband and I were having financial problems and I thought this might be the answer to prayer. I gave them my checking account number and agreed to let them take $219. out of it on Feb. 28. I called them a few times after that but could never get through, they never returned my messages. I pretty much figured that I'd been ripped off and wrote it off as a loss. They took the money out of my account on March 4.
On April 12, I received a packet of paperwork to fill out for
the Credit Cards, and other things. Another offer was an application for $500. cash. The company name on the application was "National Money Services, Inc.". Looking at all of these papers prompted me to think of doing some research. When I found out they were indeed a SCAM, I decided to let you know.
I am also going to change my account number, so they can't take any more money.
Tina
Aurora, Colorado
1 Updates & Rebuttals
Sheila
Bel Air,Maryland,
Tina - Colorado, First Capital FRAUD
#2Consumer Suggestion
Wed, April 17, 2002
To Whom It May Concern:
I was reading through the RipOff Reports and noticed yours particularly as it has my hometown, Bel Air, MD, listed as the originating address for this company. Thought you might want to know that I checked the phone book for Harford County, MD and there is not listing for a company by that name. Also, there are only four area codes for the state of MD - 410, 443, 301 and 204. The area code you are calling (416) is for Ontario, Canada. This company is associated with several scams, as are many other scams that originate from this region. You may want to review the eyeoncredit website (http://www.eyeoncredit.com), as they have many listings regarding this company (start on the warnings tab - April 12, 2002 at 13:56:56 and read backwards) the site is very informative and a real eye-opener for credit fraud.
Your best bet is to just close your account and open up a new one - IMMEDIATELY. These people now have permission to debit your account and will most likely continue to do so for additional monies. They will sell your bank info to others. Report them to the BBB online at http://www.clearwater.bbb.org. Don't take these people lightly - they are crooks...
Some contacts (taken from Eye on Credit given by VICTIM on 4-10-02 at 15:41:40) are listed below:
Re: FIRST CAPITAL CONSUMER
CONTACT PHONEBUSTERS IN CANADA ASAP!
THEY ARE FRAUDULENT! OUT OF CANADA.
WWW.PHONEBUSTERS.COM 1-888-495-8501
FILE COMPLAINT AT WWW.FTC.GOV
SOME NUMBERS FOR THIS COMPANY ARE:
716-873-2400 716-873-9441
716-876-6281 800-988-7626
716-876-8559 416-488-4664
You DO NEED TO CLOSE THAT ACCOUNT BEFORE THEY DEBIT MORE OUT! Go to your financial institution and fill out a dispute form that the money was taken out fraudulently (Do not indicate that you authd this in error just state it was not authorized. You are not lying to your financial institution - first off because you were promised something that you aren't going to get, and that is not what you authorized to happen! Your authorization was for a credit card to be sent to you in 10-14 days. As this was not fulfilled, you are entitled to a refund. The dispute will go back to the Company to see if authority was granted, the records will show up as an ineligible source. These scammers will not contest the dispute with your bank, as they will not respond back to the inquiries, they do not want to be traced. Your bank will most likely check with the BBB to see if the company is a legally operating credit card company. Depending on your bank, you could get your refund in less than 10 days.