- Report: #28496
Complaint Review: Capital First Benefits - Miami Florida
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Author Not Confirmed
Why?
Capital First Benefits
18495 S Dixie Hwy Suite 228 Miami, 33157 Florida, U.S.A.
Phone:
866-892-6018
Web:
N/A
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Business Rating:
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Capital First Benefits deceptive dishonest fraudulent practices ripoff Miami Florida
This company called us back in July - asking for my husband who was not at home at the time. They called back daily and tried to get me to agree to either pick up their service in either his or my name. They told me ( and him later - when they finally caught him at home) that this was a credit card with a $2,500 limit and that it would allow balance transfers from other cards. Both of us had asked repeatedly about this very thing. and were assured that that was the case. They told me the reason that it had a 0% interest rate was that they made their money from the yearly fee and other services that they provided to their customers. When asked repeatedly if this was a debit card, it was denied. - they wanted a shipping fee of about $30. and told us that there would be a $99 fee AFTER we had a chance to look at the paperwork
My husband finally agreed to look at their paperwork, sometime in early August. ( he has the dates written down)
On August 22, Capital First hit his account for $99.95 and $59.95 - which we hadn't known about or authorized. He immediatly called them, since he had not received the packet. He was told it had been shipped out - But they couldn't give him any routing numbers or information, but they would ship him a new packet.
At this time I found this website - and got a bit worried. If only I have found it earlier.
The packet showed up on August 28. It's worthless junk mail. They ship it Bulk Mail - no routing, No Post Office date stamp - nothing. And the paperwork talked about a "pay as you go" card. That you had "credit" to the limit of the monies you had on deposit. Just because you use a cute euphemisn like "pay as you go" doesn't make it any less a debit card. Nothing about balance transfer paperwork that was promised. There is no point in doing a balance transfer onto a debit card anyway.
It was too late on August 28th to call. ( after 6 PM central time.) So my husband called on August 29th. - was told that they were swamped and that they would call him back. He waited. At 6:40 Eastern time - which was of course 5:40 Central - he called back - and talked to a girl who tried 4 times to talk him out of cancelling. She denied that it was a debit card - "pay as you go" don't you see? Every time he said no, he wanted it cancelled and wanted his money back, and asked for a supervisor. He stayed very calm. He finally got a supervisor "Nick" . It was now 7:02. He said that the "escalation" department had to take care of that and they were gone for the day, that he had to call back in the morning.
He called back at 9:45 East Coast time and was told that his account had been cancelled. That they wanted him to send back thie packet and fax a copy of the registered mail receipt that it had been done to get a refund. I find it extremely odd that they want a packet back that they had sent out bulk mail in the first place - if it hadn't reached it's destination - it would have been trashed anyway.
Lets see how this goes.... shall we?
Jeff and Beth
Newark, Delaware
My husband finally agreed to look at their paperwork, sometime in early August. ( he has the dates written down)
On August 22, Capital First hit his account for $99.95 and $59.95 - which we hadn't known about or authorized. He immediatly called them, since he had not received the packet. He was told it had been shipped out - But they couldn't give him any routing numbers or information, but they would ship him a new packet.
At this time I found this website - and got a bit worried. If only I have found it earlier.
The packet showed up on August 28. It's worthless junk mail. They ship it Bulk Mail - no routing, No Post Office date stamp - nothing. And the paperwork talked about a "pay as you go" card. That you had "credit" to the limit of the monies you had on deposit. Just because you use a cute euphemisn like "pay as you go" doesn't make it any less a debit card. Nothing about balance transfer paperwork that was promised. There is no point in doing a balance transfer onto a debit card anyway.
It was too late on August 28th to call. ( after 6 PM central time.) So my husband called on August 29th. - was told that they were swamped and that they would call him back. He waited. At 6:40 Eastern time - which was of course 5:40 Central - he called back - and talked to a girl who tried 4 times to talk him out of cancelling. She denied that it was a debit card - "pay as you go" don't you see? Every time he said no, he wanted it cancelled and wanted his money back, and asked for a supervisor. He stayed very calm. He finally got a supervisor "Nick" . It was now 7:02. He said that the "escalation" department had to take care of that and they were gone for the day, that he had to call back in the morning.
He called back at 9:45 East Coast time and was told that his account had been cancelled. That they wanted him to send back thie packet and fax a copy of the registered mail receipt that it had been done to get a refund. I find it extremely odd that they want a packet back that they had sent out bulk mail in the first place - if it hadn't reached it's destination - it would have been trashed anyway.
Lets see how this goes.... shall we?
Jeff and Beth
Newark, Delaware
3 Updates & Rebuttals
Partial Success..... probably more due to the specifics of my situation...
#20
Wed, September 04, 2002
On 9/3 athe 59.95 and 99.95 charges were debited to the account. They were coded a REVERSAL - so I don't know if this was actually refunded by Capital First - or if our bank has just contested the charges on our behalf and placed them back in the account.- My husband will be calling the bank latter today to find out that information - as well as to close out the account. The specifics in question to our situation - are that I work for an owned affiliate of the bank - our bank. - Sometimes it's good to just know somebody. I was disgusted - by a rebuttal in these pages alleging that all the people complaining were disgruntled ex-employees of Capital First. Hey - EDitors - you were so right! I'll post a follow up on what he learns tonight. I know I"ll never see the 29.95 that these jokers pulled as a processing/mailing charge. - Beth and Jeff
waiting.... my mother taught me NOT to use bad language
#30
Fri, August 30, 2002
It took my husband over two hours to fax the registration of his mailing the packet back to them. The number was continually busy, but he did it. I believe this is only a delaying tactic, But to proove anything later - we have to act in good faith. Now we call them next Tuesday. I am beginning to wonder - from the volume of reports here - how soon they will "go out of business" and disappear into the night...
update - wasting time???
#40
Fri, August 30, 2002
Just got a call from my husband. He has been trying to send the fax of the registered receipt to the number he had been given for more than an hour and a half. This from 1:00 PM East Coast time till 2:30 East Coast time on a Friday. He has called and confirmed the fax number - and all they told him was to keep on trying. AND that they don't have any other fax numbers. Just another delaying tactic. If this keeps up - I'm calling my dad's lawyer.
