Last year, I was contacted by Capital Financial. We have a company in my home city that is also called Capital Financial so when they started talking about being able to get a credit card for $200, I didn't think anything of it.
My credit isn't the best so I figured they were talking about a secured card. I went through their sales speil and the recording afterward. I asked if this was an actual credit card and was told Yes. It can be used to purchase products just like any other card. I assumed they meant at places like Walmart or Kmart or on the net.
I agreed to allow them to take their $200 out of my bank and waited their 6 weeks to find that all they are is a Consumer Catalog Company and that I had wasted my $200.
I work with the same company that they work with so I decided to try and get my money back. I was appalled at the poor customer service I received!
I was required to send them my actual bank statement (not a copy). I received this information AFTER I spent 2 hours calling the number provided (which is not the number I have included) by them and being hung up on without even a "Hello, may I help you."
I dealt with a very rude woman. I finally got in touch with a "supervisor" and got hung up on! I use the term "supervisor" in quotes because there were children yelling in the background while I was trying to discuss my account with her.
I was told before I got rudely released that she had no access to the information I was requesting and that I was to send them my bank statement to prove the money was taken out and that it was their company that withdrew it. I was told that if Capital Financial wasn't on the account, they could not return my money because they could not be sure they had been the ones to withdraw it.
My bank lists Automatic Transfers as ACH Debit with the first 5 letters/numbers of the account withdrawing money. So, I chose to go through their optional cancellation information. I wrote a letter to cancel my account and request a refund. I received a response that they needed to see my bank statement to ensure that I was actually a customer.
I gave up!
That was a year ago. I thought that I had successfully cancelled my account since no further catalogs arrived from them.
I went to look at my account balance this week only to find an unauthorized debit to my account. I called my bank and they couldn't give me any further information other than the first 6 letters... Capita. I was given the number above only to be told that they cannot help me because their system is down. No recording... Just the live, rude woman I spoke to when it all began.
I wish I had saved everything when I thought I had successfully closed and cancelled my account. Now, I am not only out the $200 I originally paid; but, also the "subscription" amount that I was never informed of in the first place.
Take my advice, DO NOT accept any offers over the internet or by phone. If it sounds too good to be true, it is... No probably about it.
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