- Report: #26768
Complaint Review: Capital First - Miami Florida
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Capital First
18495 South Divxie Hwy Miami, 33157 Florida, U.S.A.
Phone:
866-892-6018
Web:
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Capital First is a fraudulent ripoff scam. Miami, Florida *UPDATE .. Go to your bank ASAP after you realize the rip off
I am writing this as I try to recover from the stupidity of answering a phone solicitation. Capital First called me and promised a $2500.00 MasterCard at 0% interest. I asked if the card was a secure card, if the interest was a teaser rate, and if I could transfer balances. The hispanic woman was evasive and I asked if there was someone with a better command of the language.
I figured that I could get the information for the $29.95 process fee and cancel if the promises were not there. The pay-as-you-go feature is not a secured card by deposit, it is secured by the balance in your bank account. I read the information as soon as it arrived and determined that this program was not as advertised and called the 800 number immediately to cancel. I inquired about a refund of the process fee and was told that this was actually a shipping and handling fee that was not refundable.
I wrote to the corporate address and requested a refund within 10 days. After the 10 day period had expired with no contact (surprise), I called again, wrote a second letter to request a refund and visited my bank to get the transaction cancelled. I was dumbfounded to discover that Capital First had charged my account a $59.95 process fee and a $99.95 membership fee after I had called to cancel my account.
My bank comforted me by explaining that they were aware of Capital First and that with the proper forms filled out I could and would receive a complete refund of all charges. The bank warned to be on the look-out for additional charges from Capital First since they had my account information. I have learned a lesson from all of this. Don't give up when confronted by the continuous run-around of Capital First.
Your bank can return the charges if you get on the transactions right away. Capital First is a major player in the fraudulent credit card industry. Am I stupid for feeling sorry for the "customer service" people who might well go to jail for their actions? Or should I take pity on these people because they could not possibly work there and not know that they are working for a crooked organization and will get what they deserve?
Pete
Leesburg, Virginia
I figured that I could get the information for the $29.95 process fee and cancel if the promises were not there. The pay-as-you-go feature is not a secured card by deposit, it is secured by the balance in your bank account. I read the information as soon as it arrived and determined that this program was not as advertised and called the 800 number immediately to cancel. I inquired about a refund of the process fee and was told that this was actually a shipping and handling fee that was not refundable.
I wrote to the corporate address and requested a refund within 10 days. After the 10 day period had expired with no contact (surprise), I called again, wrote a second letter to request a refund and visited my bank to get the transaction cancelled. I was dumbfounded to discover that Capital First had charged my account a $59.95 process fee and a $99.95 membership fee after I had called to cancel my account.
My bank comforted me by explaining that they were aware of Capital First and that with the proper forms filled out I could and would receive a complete refund of all charges. The bank warned to be on the look-out for additional charges from Capital First since they had my account information. I have learned a lesson from all of this. Don't give up when confronted by the continuous run-around of Capital First.
Your bank can return the charges if you get on the transactions right away. Capital First is a major player in the fraudulent credit card industry. Am I stupid for feeling sorry for the "customer service" people who might well go to jail for their actions? Or should I take pity on these people because they could not possibly work there and not know that they are working for a crooked organization and will get what they deserve?
Pete
Leesburg, Virginia
1 Updates & Rebuttals
good news finally
#20
Mon, August 26, 2002
To all who have been scammed by this company. Go to your bank ASAP after you realize the rip off and stop payment of all transactions to CFB. I received my $29.95, $59.95, $99.95 back from Bankamerica. My bank is wise to the scam and I had to fill out fraud paperwork, but all monies were returned. Boy are the people at CF mad at me. Don't give up!!!!!
