Complaint Review: Capital First Benefits Club - Miami Florida

Only because one person you talked with had an accent that was similar the accent you heard in India, it not necessary means, that the call was from India. (Read other reports where people are similar way confident that the callers were Jamaicans, Middle Easterns, etc.) Even if the guy was born in India, it does not mean the center is in India. Millions of Indians living in other country than India. Hundreds of thousands of them live here, in US. Regarding your confidence that the guy had "Indian accent", let me share my own experience. I was born in Europe, I do have a strong accent. Since I have been working here, in US, hundreds of people guessed my nationality. NONE of them was right. According my knwoledge the three known calling centers for Capital First are in Texas, in Florida and in Canada.

I received a call from Capital First on Saturday. What I found interesting is that all the 'representatives' had English style names, yet they spoke with an accent. I've traveled a lot and realized that the accents were from Indians. I think, and I can't say if this is true or not, but the telemarketing department is located in India. I don't know if this is true, but it's just my opinion.

Ali, let me repeat. From the hundreds of reports from COSTUMERS/VICTIMS on Capital First: a/ nobody reported getting refund b/ nobody reported successfully cancelling the - otherwise not-existing- services the $59.95, $99.95 charges are for c/ nobody ever get any answer to any correspondance sent to the pobox d/ nobody ever had contact with any other people from this "company" but those in the calling center e/ people who did not closed their accounts was hit again and again from other "affiliates" of Capital First. We not interested in your fairy tale that you see customers get refunds all the time. We want proof. We want to hear this from a COSTUMER. From a REAL costumer. Your criminal gang are not able even to post a fake positive testimony. (Even such a scumbag company as Cross Country Bank have satisfied costumers.) If you have two affiliates, why you charged hundreds of people 5-6 times???? Regarding your "proof" tapes, even if they exist they do not prove anything. Nobody will accept a 5 minute part of a 20 minute long conversation as a proof. It would be as stupid as to accept the last signed pages of a 20 page long contract as a proof. Btw, as I mentioned this to your "colleagues", please, send your post with FULL NAME, ADDRESS to the FBI, FTC, Canadian, US police. They have a "misconception" that your "company" is a criminal gang...

Ali, The previous post is way above your head, you are quoting only what YOU KNOW, and you DO NOT KNOW! You are only a telemarketer, reading from scripts, written NOT BY YOU! What kind of knowledge do actually have about the company you telemarket for? I can guarantee you I have more information on them that YOU DO, and you better wake up, and start reading the classifieds, and get a LEGITIMATE job! What you are doing is not right, and YOU are an accomplice to the scam/fraud. Do you know the names of the REAL OWNERS of the business you sell for? Do you know where they are located? Do you even know what country they are in? HA! Bet you don't...you probably only know your supervisors there at that particular "boiler room". ANY business that gives refunds based on "attitude" is NOT a legitmate company EITHER! WHERE IS YOUR COMMON SENSE?

Wake up indeed! Hummm, Ali, I read your rebuttal today, you are obviously now being told to post your bilge on here as the Capital con has been "sussed"! Did you ever go to school? If I were you I would sue your parents as quite obviously the money they spent on your ill-gotten education was a waste of time. Please don't call us and complain, WE CONTROL the refunds and we record everything... oh what a joke! Are you so stupid as to really record a fraud being committed. Just goes to prove that this company employs morons with no future to do it's dirty work for them! Making false claims and stealing money from bank accounts based on such claims is fraud. Any verbal agreement entered into is therefore null and void. Based on these facts if you debit peoples accounts you are making a fraudulent transaction. If convicted (and you will be) you can face up to 25 years in jail! Ali, judging by your bad grammer and poor spelling I would say you were either foreign or young. If you are foreign, assisting in a fraud is a fedral offense, and will result in your deportation. One assumes you are illegal and after a quick buck! Even if you are legal, you wont be for much longer. Secondly, if you are young, you will have a felony record to contend with for the rest of your life. I really hope they are paying you enough to make the ruination of any future you may have had worth it!

Ali, You say that we have to be patient and follow the guide lines to get our money back, and that you do have control of the refund!!! Then once again the consumer has been LIED to!!! Right from the beginning I followed every rule, every regulation,I did everything they told me to. And when I didn't receive my money back, and then (after 2 months) started calling them everyday, they told me they had NO control over the refund, it was up to the SO CALLED CORPRATE OFFICE

Just want to say that i see customers get refunds all the time. All you have to do is comply with what the procedures are at the time. But i warn, if you call everyday and become a nuisance to the company they dont like it and they may not ever want to do anything to help you. Sorry to say, but if you dont get to your bank in time, we can get it refunded, but you have to be patient. Remember, if you were promised something and didnt get it. its probablly because you were rude or annoying. we do have control over your refund and how quickly it gets back to you...and all you have to do is call and cancel your account. It may take 48-72 hrs to actually get it processed, but it will be cancelled. And we mention in the recording everything that will be drafted from your account..including the affiliates(only 2 companies).That is the recording that you said yes to...sorry for ya!!!

During the last few months, I read literally hundreds of reports/complaints from Capital First victims, and had direct contact with almost hundred of them. According my - actually their experience: a/ nobody reported getting refund b/ nobody reported successfully cancelling the - otherwise not-existing- services the $59.95, $99.95 charges are for c/ nobody ever get any answer to any correspondance sent to the pobox d/ nobody ever had contact with any other people from this "company" but those in the calling center e/ people who did not closed their accounts was hit again and again from other "affiliates" of Capital First The - only - GOOD news. Meanwhile mostly people failed to prevent those charges, but many of them could get back their money through their banks. Go to your bank and request/fill out an ACH (Automated Clearing House) fraud complaint form. You cannot do it over the phone. Do not wait for any action from Capital First. You only have 30 days from the day your account was debited to dispute the unathorized charges. Then CLOSE your account. Otherwise Capital First will charge you again and again under different names, with different amounts. Read other Capital First reports, you will see all the dirty detail of this "business".