- Report: #193054
Complaint Review: Capital Financial - Largo Florida
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Author Confirmed
Why?
Capital Financial
2480 E. Bay Dr. ,Ste28 Largo, 33771 Florida, U.S.A.
Phone:
888-281-6710
Web:
N/A
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Capital Financial Scam Artist Extraordinaire Using a fraudulent name over the phone to gain your trust Largo Florida *EDitor's Suggestions on how to get your money back into your bank account that was wrongfully taken from you!
I was contacted via phone by a company that said it's name was Capital One , a well established reputable company. Only after they stoled $200.00 out of my checking account did I find out their real name. I was told that I would receive a Visa or Master Card , my choice ; with a credit line of at least $2000.00.
All I had to do is give them a two hundred dollar deposit, which I would get back in the form of 4ea. $50.00 vouchers that I could use on my first purchase. It was also stated that I would get a very low intrest rate that would never increase.
The next thing I received, after they helped themselfs to my checking account was a ridiculous looking credit application that looked like a first grader wrote. It stated after it was completed and returned, my new card and vouchers would be on the way.
It was only then did I find out it was a merchant card only good for purchases for cheaply made copies of different mechandise that was over priced. Their own catalog shows the retail price of the item to be far below what they call YOUR PRICE.
I placed a call to CAPITAL FINANCIAL immediatley. It was no suprise when it took almost an hour to get someone on the phone. I'm sure all of their people were very busy ripping off other suckers like myself.
They claimed that they never used Capital One as a business name, which is the first thing they did on the first phone call they made to me.
After I reqested my money back , the customer service rep said I would have to write to some Dispute Resoloution Board, that their company had set up just for these types of reasons. Needless to say what kind of results that will get you.
I will be contacting my bank to close my account and reopen another one in the morning, while I'm trying to get my money back.
I will update this as the plot to rip me off unfolds
Marcus
Allen, Texas
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
All I had to do is give them a two hundred dollar deposit, which I would get back in the form of 4ea. $50.00 vouchers that I could use on my first purchase. It was also stated that I would get a very low intrest rate that would never increase.
The next thing I received, after they helped themselfs to my checking account was a ridiculous looking credit application that looked like a first grader wrote. It stated after it was completed and returned, my new card and vouchers would be on the way.
It was only then did I find out it was a merchant card only good for purchases for cheaply made copies of different mechandise that was over priced. Their own catalog shows the retail price of the item to be far below what they call YOUR PRICE.
I placed a call to CAPITAL FINANCIAL immediatley. It was no suprise when it took almost an hour to get someone on the phone. I'm sure all of their people were very busy ripping off other suckers like myself.
They claimed that they never used Capital One as a business name, which is the first thing they did on the first phone call they made to me.
After I reqested my money back , the customer service rep said I would have to write to some Dispute Resoloution Board, that their company had set up just for these types of reasons. Needless to say what kind of results that will get you.
I will be contacting my bank to close my account and reopen another one in the morning, while I'm trying to get my money back.
I will update this as the plot to rip me off unfolds
Marcus
Allen, Texas
U.S.A.
EDitor's Suggestions on how to get your money back!
HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:
Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.
According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.
If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.
Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!
DO NOT TAKE NO FOR AN ANSWER!
Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.
And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.
Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.
If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.
CHARGES TO YOUR CREDIT CARD
If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.
Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.
And good luck Let us know how you do!
ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
[email protected]
badbusinessbureau.com
www.ripoffreport.com
Don't let them get away with it.
Make sure they make the Rip-off Report!
We are not lawyers.
We are not a collection agency.
We are Consumer Advocates.
...the victims' advocate
WE are Civil and Human Rights Activists
We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers
CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.
