Well, I had to get back here and give everyone the latest on these deceptive bastards. I sent a certified letter to Capital First on May 28th addressing their fraudulent practices and requesting removal from heir "membership". I just got the return receipt back from the Postal Service. For the so called employee of this "establishment" who has bashed us here, saying Capital First is legimitate and it is people like "us" who are too stupid to understand the offer because of our greed, all I will say is this...
After asking how the fees would be paid, I was SPECIFICALLY told it would come charged to the Mastercard. I have gotten cards that way before, and built up credit, so having it charged to the card was no big deal to me. Thing is, they tell you one thing on the phone, and it is quite another when you get what is supposed to be your card. They do whatever it takes to reel you in. This includes flat out lying! It goes far beyond misrepresentation with these "people".
Why, OH, Why would a reputable, legitimate credit card company do ANY of the following:
1 - Have a mailing address, with a Suite# (aka Box#) at Mailboxes Etc.? Yes, that is what is on the certified receipt returned to me today. The mailing address they have given is actually the address to a chain called Mailboxes Etc. (nationwide private mailing service center). Ask yourself why they don't provide a physical address to where they call from. Boiler Room is the answer I keep coming up with.
2 - Debit people's accounts once they have said they no longer wish to subscribe to their "membership". After I requested that I be removed from the "membership" as described in the packet I received within 7 days, Capital First STILL tried to debit my account for the $159.90 using an alter ego. According to the "received by" date on my receipt, my letter reached them and was signed for the day before they still went in to unsuccessfully grab my money.
3 - Use outside affiliates and aliases to debit consumer's accounts REPEATEDLY. My bank informed me that they tried as Capital First benefits and when that didn't go through, they almost succeedded with "CFB", but I caught it in time. Thankfully, my bank worked with me, and I was allowed to open a new account and transfer all my money over with no other charges to me.
4 - Have a customer service line that is "busy" 99.99999% of the time, not to mention it isn't a 24 hour service like REAL credit card companies. And how about the customer service you receive when you DO get through. A legitimate company would ask why you weren't pleased, remove you and be done with it. I don't need to be antagonized, brow beaten and threatened because I wish to cancel.
I only lost the $19.95, but if it had not been for my uneasiness, and curiosity which brought me here, I would have lost a lot more. Luckily, I was able to cut off the feeding tube early. I really feel for the thousands of people who have been had by these bastards.
There's so much more I can add, but unfortunately, I am sure there will be many more consumers finding their way to usacomplaints.com soon enough to add to the mix.: o (
Dru
Pittsgrove, New Jersey
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