Complaint Review: Capital First - Miami Florida

From what I have been reading, this compnay should not be doing business, but they still are. I received a letter from them, promising the 6,500. credit. I tried to call and see what it was all about, and the guy that answered the phone was very rude when I refused to give my phone number. I said to h$ll with you, and hung up. I then looked them up online, and found this site. THANK YOU for this site. I then called back right away, and told the girl that answered that the CCA company is a ripoff, please remove my name from their lists. She was very polite, and supposedly did so immediately. I am sadly interested to see how many more people are drug into this scam before the company finally stops business.

From what I have been reading, this compnay should not be doing business, but they still are. I received a letter from them, promising the 6,500. credit. I tried to call and see what it was all about, and the guy that answered the phone was very rude when I refused to give my phone number. I said to h$ll with you, and hung up. I then looked them up online, and found this site. THANK YOU for this site. I then called back right away, and told the girl that answered that the CCA company is a ripoff, please remove my name from their lists. She was very polite, and supposedly did so immediately. I am sadly interested to see how many more people are drug into this scam before the company finally stops business.

From what I have been reading, this compnay should not be doing business, but they still are. I received a letter from them, promising the 6,500. credit. I tried to call and see what it was all about, and the guy that answered the phone was very rude when I refused to give my phone number. I said to h$ll with you, and hung up. I then looked them up online, and found this site. THANK YOU for this site. I then called back right away, and told the girl that answered that the CCA company is a ripoff, please remove my name from their lists. She was very polite, and supposedly did so immediately. I am sadly interested to see how many more people are drug into this scam before the company finally stops business.

From what I have been reading, this compnay should not be doing business, but they still are. I received a letter from them, promising the 6,500. credit. I tried to call and see what it was all about, and the guy that answered the phone was very rude when I refused to give my phone number. I said to h$ll with you, and hung up. I then looked them up online, and found this site. THANK YOU for this site. I then called back right away, and told the girl that answered that the CCA company is a ripoff, please remove my name from their lists. She was very polite, and supposedly did so immediately. I am sadly interested to see how many more people are drug into this scam before the company finally stops business.

Well I see they are still at it!!!! Silver lining awaits all the victims of this scam!!! If you have read my past posts here thanks to Ripoff.com.. You will see I have done my home work as to atleast finding Ben Lee's "owner of this SCAM"s Lawyer... Andrew Cove of Hollywood Fl. His phone number and address I have posted in the past so I wo'nt waste my time. Now it's ya'lls turn I have laid the ground work through the Federal Trade Commission,Floridas Attorney General and the Attorney Generals office of Texas... NOW THE GOOD NEWS!!!!! I was contacted by the Attorneys for the FTC and I am meeting with them for a Deposition they are flying to meet me in Austin Texas... I have kept all of my records dealing with these thiefs so it will be fun.. I was also informed that an injunction was filed to stop them from conducting any further business.... I was notified of this last month 03/2003 so if you are a recent victim!!!! I would RECOMEND CALLING THE FEDERAL TRADE COMMISSION AND FILING A COMPLAINT. This can also be done by email... The Short of it is I finnally, Supposedly got my money back if You ask Mr. Cove "Mr. used loosely". However I was out the inconvieniance and bounced check charges incurred because of them.. I did have to sign a affidavit of theft with my bank and put a stop on any electronic with drawals from my account pending written authorization from me... This was a inconvience because I pay a majority of my monthly expenses this way. Your FDIC insurance will replace your inital lost funds but dont let lem move on to the next person.. They thrive on the belief that once you get your money back you wont follow through with a law suit or press charges... Folks I am a Deputy Sheriff and I was taken and boy did I feel stupid... Dont stand by and let them keep doing this abhorable act... Rember the Owners name is Ben Lee his self admitted attorney is Andrew Cove of Hollywood Florida or Cove&Assc. If you want to be heard you need to file the complaint.. As you can see its been months since I was had and Andrew Cove probably dosent even remember speaking to me on the phone, BUT I NEVER FORGOT HIM OR BEN LEE... Thier days are numbered.. Again thanks RIP OFF REPORT!!!! They Know who you are!!! Dennis Blair Rosanky Tx Formerly Of Smithville Tx Opps Forgot to Say the FCT is seeking trade law but there is other Agencies FBI Seeking criminal charges !!! Andy,Ben HAVE A NICE DAY!!!! DENNIS

Last Monday morning, August 19th, I received a phone call from Cove & a*s. (I am pretty sure this is where Andrew Cove works at) The person who called me was Eli Samet, I have called him many times before in the past 4 months, and he was very good about calling me back and trying to get my questions answered. Anyways, in this paticular phone conversation, he apologized for all the inconveince I had went through, and that his Law office was sending me out a check for my full refund. I couldn't understand why his office would be sending me the money, I mean really, why should they send it and not Capital first. So I asked him, he told me that Capital first was putting money into an account for Cove and a*s., so the office would be getting their money back. Once again, I just agreed with him, and hung the phone up, I wasn't rude, but of course I had the story 7 million times before. Anyways, he said that he would be sending me a check out within 2 days. Well to my total and udder amazement, I received a check for the amount of $179.85 today in my mailbox, from Cove & a*s. Law firm. I know it took a long time, and I don't blame the lawyers, they were just doing a job, I blame Capital First, Cove & a*s. now has to go and try and fix all these complaints, It's the people at Capital First I would like to get ahold of, they are the ones that stole my money, and had me get overdrafts!!!! So, I hope you all get your money back, regardless if it is from Capital First, or the Law office. Good Luck!!!

I am so happy these crooks will be getting what they deserve. Hurray for all of you who have taken action. I have also filed reports. If anyone has any info as to when we will be seeing their ugly mugs on TV, let us know. Oh, and Mr. Cove - Capital First was NOT authorized to withdraw the $59.95 or the $99.95 out of our accounts. Why in the world would you want to represent an underhanded, illegal, fraudulent company as Capital First. Oh yeah, $$$$$$$$$. Thank God my bank refunded my money and I closed my account. I knew I would never see a refund from Capital First. Why should we have to try to jump through hoops and try to send letters, proof of withdrawals to them when they have the proof already. It sure didn't take them long to take our money after thye made just one phone call. I bet many of us have made dozens of phone calls to them and got no where! These people aren't going to help you. Go to your banks!

well they have contacted me 4 times since my last report all giving me conflicting instructions on how to get my "refund" as they call it. Hell !! they stole money from me. I have been contacted by the Texas Atty General Jim Cornyn with a letter that they are investigating them at this time. I have also taped every conversation I have had with thier employees. When I tell them what the other had advised me to do. They say he/she was mistaken or I heard it wrong. So I played the tape for one of thier employees and she got pissed telling me I was BREAKING THE LAW....and that if I was taping our conversation she did not allow or authorize it. I assured her I was not hee hee hee. She called me. I was told to give them my new Account number and I should get my money in about 48 hours. Like hell I told them I would only accept certified bank funds cashiers check,postal money order ect.. I was told the only way to get my money was for them to wire transfer it back to my account. yeh right!!! I told her that she better do something and get it to me... Mr. Lee and Mr. Cove If I were you I would get the hell out of the country because we are comming!!!! later Dennis

In your rebuttal you stated "SOMETHIMES in other situations like this one there is a misunderstanding"

Big misunderstanding what part of NO wernt you taught by your mamma or was she as crooked as you?? Dont they teach what NO means in law school, if you are a lawyer, lets provide some evidence OK !!! One I have all my information from my bank showing the money was taken from me on July 11 2002 and transfered to 1st National Bank of Central Texas. I even verified with EMS employee Hank Maggard 254 772 9330 ext 299 that the money was taken on the 11 of july.

Now then Lets listen to my TAPED phone calls with 5 dipperent Capital First Customer Service Representatives on 3 different dates telling me I called and canceled all doings with Capital First on July 10 2002. Now then; any LAWYER Should Know evidence is what counts. As far as our conversation don't be condesending and assume people are stupid. Quit Lying to yourself.

You at least admitted to a miscommunication and mentioned a Refund? Well I am Waiting!!! Where is My 359.80 If I got My hands on you I would take it out of your hide. I follwed up with Amy and Again faxed requested material to your office well let me tell you something else I will not accept a CHECK or Wire TRANSFER I will only Accept a Postal Money Order. Have a nice day

Just a reminder Call, CALL, CALL, Complain, Kick, Scream and PLEASE REPORT These CRIMINALS. Federal Trade Commission, Attornry Generals Office "of your state" Florida State Bar assn. Address every complaint about Mr Ben Lee and Andrew Nathan Cove Age 41 Attorney Capital FRAUDS Thieves and Liars Thanx

When Mr Cove and myself spoke he became IRATE when I said I would File a Criminal/Civil suit against him also then he stated he would sue me for false prosecution then hung up on me. Imagine that!!!

Mr., if you had any Balls you would Quit working for people who steal from others. As for you having a tape of me ok ing my authoruization to withdraw money from my account you know thats a LIE. I found it did nt take much to rattle him.

I did file my criminal suit against Capital First and listed Mr Cove , Lee and all the employees I have delt with. You can forward complainteto the Attorney General Of the State of Texas J. Cornyn.

I recieved a Letter from Cornyn's office on 08/13/02 the ball is rolling and Mr. Lee and Mr Cove, it's comming to Florida. have a nice day. Mr Coves accounts of our conversation are clouded to say the least...

Please be patient, it takes time to gather evidence enough to convict for life (which is what we are looking for). Ben Lee and Andrew Cove have already been the subject of an NBC 60 minutes documentary.

I guarantee both parties will no longer be able to act in a dishonest manner within the next few weeks. I also guarantee that neither will be able to profit from their illegal gains.

Ben Lee and Andrew Cove are two seperate entities. Ben Lee's crimes are simple, Andrew Cove on the other hand faces numerous charges, these include false representation and conflict of interest.

I am sorry it took so long, but once again be patient.

Watch this space.

Please be patient, it takes time to gather evidence enough to convict for life (which is what we are looking for). Ben Lee and Andrew Cove have already been the subject of an NBC 60 minutes documentary.

I guarantee both parties will no longer be able to act in a dishonest manner within the next few weeks. I also guarantee that neither will be able to profit from their illegal gains.

Ben Lee and Andrew Cove are two seperate entities. Ben Lee's crimes are simple, Andrew Cove on the other hand faces numerous charges, these include false representation and conflict of interest.

I am sorry it took so long, but once again be patient.

Watch this space.

Please be patient, it takes time to gather evidence enough to convict for life (which is what we are looking for). Ben Lee and Andrew Cove have already been the subject of an NBC 60 minutes documentary.

I guarantee both parties will no longer be able to act in a dishonest manner within the next few weeks. I also guarantee that neither will be able to profit from their illegal gains.

Ben Lee and Andrew Cove are two seperate entities. Ben Lee's crimes are simple, Andrew Cove on the other hand faces numerous charges, these include false representation and conflict of interest.

I am sorry it took so long, but once again be patient.

Watch this space.

In this day and age, it surprises (and disappoints) me that some ATTORNEY'S remain ignorant of the differences between RIGHT and WRONG.

Simply put, some attorney's take on clients who they think they can make the biggest bucks on and that usually includes large scam outfits that have robbed millions of people and therefore have the big bucks to pay for their legal services.

More simply put, you have quite a track record for representing these scum bag operations...hmm...but it's not your fault. Don't worry Andrew, your name isn't at the very top of the list of those being investigated in this crime however, it IS on the list and I won't mention why.

As far as trying to convince victims of this crime to contact you directly...well that's a nice try too because for each and every letter that you have to respond to for your client, YOU GET PAID FOR!

Imagine that...thousands of letters pouring in from across the United States and Canada that you have to respond to,at how much an hour? Sounds like a lot of money to me. Don't fall for it folks! In addition to that, you fail to discuss the crimes committed by your cleint as if the only thing that needs to be addressed is a refund...not even close pal.

As far as Capital First and all of their other scam outfits... there IS more than one way to skin a cat and it's happening right now.

For those of you who have been keeping up on this report, I urge you to file a complaint with the Florida State Bar against Andrew Cove with the information that I have provided in my first rebuttal. All documents and proof of his dirty dealings have already been submitted to the Florida State Bar by my attorney's and I suspect that he will be receiving a copy of the complaint very soon. Too bad for you Andrew, that you won't be able to charge off to a client the time needed to reply to our complaints.

Oh, and one more thing Andrew...I think it was rather funny at how proud of yourself you were at being able to not get rude with Dennis or raise your voice at him. I guess that was your way of letting eveyone know that if we speak kindly to you and perhaps do a little a*s kissing then maybe just maybe we will get a refund. Smooth things over all you like Andrew, It's pretty clear that you are either a bigger part of this scam than you are letting on to OR you are one stupid lawyer. My guess is that you will plead "STUPID" when your time comes.

See how cleaverly he avoids the real issue raised here, that is to say, his activities. He very skillfully shifts from the real topic, (him) and keeps talking about his representation of Capital First, which is under investigation by various government agencies. What I hear him say, so to speak, is that his job is to tell his boys to keep their mouths shut and make the government prove their case.

Meanwhile, he does not address the Financial Resource Network, Inc., United Health Associates, Inc. and Cove Capital Appreciation Fund, Limited Partnership, WHAT THE HELL IS THAT!

Does address the fact that he is one of the
reasons that we have telemarketers calling us at dinner time, when your about to f*ck or just about to take a $h*t? He is the guy to thank for that. I will never take another telemarketer call and will do everything I can to make it illegal to intrude on my privacy.

Cove used all those letters to make people think he is ok, but in the end you will see, he is the problem and he must be the target for business elimination.

Here are his businesses;
NATIONWIDE CYBER SYSTEMS, INC.

FEI #651157491,

6030 HOLLYWOOD BLVD, STE 140, HOLLYWOOD FL 33024 & 225 SOUTH 21ST AVE
HOLLYWOOD FL 33020, w/CEO - PEMBERTON, FARRIS L,
1088 VETERANS DR, ASHLAND CITY TN 37015

DIVERSIFIED STAIR SYSTEMS, INC. P95000069997
259 S.E. 1ST TERR., SUITE 10
DEERFIELD BEACH FL 33441 & 2020 N.E. 163RD STREET, STE 300, NORTH MIAMI BEACH FL 33162, w/ CHEPONIS, A.J., 259 S.E. 1ST TERR., STE 10, DEERFIELD BEACH FL 33441 & THIEL, JOHN T
11295 175TH ROAD NORTH, JUPITER FL 33478

PERMANENT MAKE UP, INC., w/ PETERSON, TAWNIA L,
3290 LORDMOLL COURT, OVIEDO FL 32765 & 3801 HOLLYWOOD BLVD, STE 100, HOLLYWOOD FL 33021

MARS MUSIC, INC., w/ GANGADHAR, SIMOHOODATH, GANGADHAR, SUHINDRA & GANGADHAR, SHIVA K, 13392 W. DIXIE HWY, N MIAMI BEACH FL 33161

ALLSTATES VAN LINES, INC. w/ SANDS, GEORGE
3195 CORAL RIDGE DRIVE
CORAL SPRINGS FL 33065

CONSULTING NETWORK U.S.A., INC. w/ WOLF, JEFFREY & DIANE, 11144 N.W. 10TH PLACE, CORAL SPRINGS FL 33071

FEDERAL INFORMATION SERVICES CORPORATION, w/ KOPYCINSKI, KATHLEEN
1623 LENOX AVE.
MIAMI BEACH FL 33139

DUNH II REALTY, INC., 1111 KANE CONCOURSE #203,
BAY HARBOR ISLANDS FL 33154

DUNHILL REALTY, INC., 1111 KANE CONCOURSE
STE 203, BAY HARBOR ISLANDS FL 33154

EMERALD ENTERTAINMENT GROUP, INC.,

FEI #650770297

, w/ PETRA WALKER,
WALKER, TOM, 125 N DIXIE BLVD
DELRAY BCH FL 33444 & BAROLDY, LAWRENCE, 2309 FRIARCREEK LOOP, ROUND ROCK TX 78664

HOLLYWOOD MARKETING, INC., w/ DURSO, VICTOR, 2750 NORTH 29TH AVE., STE. 200, HOLLYWOOD FL 33020

VENTURE MARKETING RESEARCH, INC., w/ SPIERER, CHARLIE, & SACKS, ALFRED, 2750 NORTH 29TH AVE., STE. 200, HOLLYWOOD FL 33020.

In this day and age, it surprises (and disappoints) me that some people remain ignorant of the differences between attorneys and clients.

Simply put, attorneys are hired by clients to speak, negotiate and otherwise communicate on their behalf. Perhaps more fundamentally, they advise clients regarding the law and hopefully, about how to comply with the law.

In this matter, like many others, that is what CapitalFirst has asked us to do. We don't know them well. We don't vouch for them. We don't befriend them. We simply represent them. We say certain things to them confidentially and whether they follow our advice or not is entirely up to them.

Having said that, we've only recently been asked to represent CapitalFirst - and only for very limited purposes: Among these, we were asked to respond to some consumer complaints and/or act as a convenient "go-between".

We cannot, and should not, be held responsible for everything and anything any particular client does or doesn't do. I can only assure that we sometimes have very blunt advice to offer and that it ALWAYS involves how to best comply with various state, federal and local law.

For example, "Dennis" apparently misundertands our role. He also misstates our conversation:

He got our number, called us regarding his complaint, and I called him promptly. In my communications with others - regardless of the circumstances, I ALWAYS try to be respectful. Frankly, I have found that to do otherwise is just ALWAYS counterproductive. Dennis apparently feels otherwise.

He advised that this transaction was, at least partly, unauthorized. I did NOT tell him he was wrong, or anything of the sort. I simply wouldn't know. I just told him that I UNDERSTOOD (from the client) that they carefully recorded all authorizations (as they are supposed to) and SOMETIMES, in other situations like this one, I have found that there is a misunderstanding.

Again, this doesn't equate to saying he was wrong, it just amounts to saying "perhaps there was a miscommunication" or "perhaps you didn't hear exactly what the salesperson was telling you", etc. Again, this client, like most, is not my friend, not my relative, not my acquaintance. I represent them. I communicate for them. I (hopefully) smooth things over with whoever has a dispute with them.

Dennis, who was a little rude to say the least, asked me for my address, phone and fax number, insisted I was representing a "scam artist" and went on and on about how he'd been mislead. Maybe he's right. I still think he's wrong and it's all miscommunication - but as I told him - it was NOT a problem - because even if that was all it really was, my instructions were that the client would refund similar complaints.

Accordingly, I told him to just relax and that I could communicate his request - and that he probably would get an immediate refund. Apparently the "probably" part annoyed him because he that was when he informed me that he was going to sue me, personally, for somehow ripping him off and/or complain to the Bar that I was somehow acting improperly.

Needless to say, I'm not too concerned about that, but it did bring the conversation to a rather abrupt end. I told him that if he did, he'd find himself on the wrong end of a suit and I said goodbye. I am proud to say I never ever got rude or raised my voice by the way. But as should be clear to anyone with any common sense, Dennis' approach, is NOT a good approach with anyone, let alone someone you want to advocate for a refund from his client.

Again, this client (CapitalFirst) may or may not be perfect. Believe it or not most clients aren't. But I just wouldn't know. And whether they are or not, they are entitled to hire a lawyer for this or anything else and as long as a lawyer doesn't advise them to break the law, or on how to do so, it's basically appropriate for the lawyer to communicate on their behalf, etc.

Bottom line: if anyone has a complaint against CapitalFirst - or anyone else we happen to represent - you are welcome to send a WRITTEN complaint letter with the appropriate information (we need name, address, phone, date of debit and amount so the client can efficiently act on your request. Calls are unecessary but a written request IS). You may fax the complaint to 954-921-1621 for a more prompt response. I can't promise a refund. The client is not me and I'm not the client. But I can assure anyone who deals with me that regardless of what Dennis - or any one else - thinks about my client - or our firm - this office will deal with them all respectfully and will communicate their concerns without delay.

GENERALLY, I'm guessing that this approach has the best chance of getting things done with a minimum of hassle. Again, no promises except one - we'll try to help remedy your complaint. Ultimately, whether anyone likes it or not, that's the best we can do.

If Andy Cove is an attorney, based on information you have given that he told you I would complain to the State Bar Asc as he is being misleading. This is a crime for which he can and will loose his licence to practise.

If Andy Cove is legitimate, then I am Jesus Christ Almighty! He seems to have no idea of the law!

If you were contacted by Capital First with the promise of a MasterCard etc, (but give me your bank details) then they are committing a fraud. Therefore any verbal agreement you may have entered in to with them become null and void. Any debits from your account are considered fraudulent transactions. You do however need to file an affadavit of fraud with your bank, this will virtually guarantee you a refund.

As for them taping conversations, I have to ask you to think about that one! This company is committing fraud by making false claims in the hope of obtaining your bank details, do you really think they want a record of that?? I don't think so! And if they are, then ask Andy Cove to send all recordings to the Federal Trade Commission who have finally started an investigation into their dealings!

Andrew Nathen Cove, Attorney#562122, Florida State Bar (member in good standing???) Well it makes perfect sense that he would be representing BEN LEE after all they are both from Canada but the part that makes more sense is that Andrew Cove held a position as the Senior Assistant Attorney General in Florida for the economic crime and consumer fraud division in the late 1980's.

Not to mention his areas of practice are Telemarketing Law, Deceptive Trade Practices and Unfair Trade. I guess he has learned rather well at how to SCREW people over and almost get away with it (notice I say "almost"). Anyway for those of you who don't wish to use their dime in the event you want to place a call to him his TOLL FREE # is 800-269-6810 or if you prefer to send a fax the # is 954-921-1621.

Oh, and by the way some of the companies he is involved with that you might want to stay away from are: Amerivend,Inc., Ameritel Payphone Distributors,Inc., Autodoctors.com,Inc.,
International Rare Coin Exchange, Inc.,Prepaid Internet Solutions, Inc., America's Credit Search, Inc., Prepaid Direct,Inc., Card Services International of Central Florida, Inc., Consumer Credit Solutions, Inc.

Financial Resource Network, Inc. United Health Associates, Inc. just to name a few. Oh... but don't let me forget Cove Capital Appreciation Fund, Limited Partnership!