This company phoned my home in mid May, they told me about this $2500.00 unsecured credit card, could choose either Master Card or Visa. The guy rattled off all the advantages, 0% interest for the first 6 months and only 1.9%, or something like that, after the six month period, Also, I was told about the $500.00 cash advance available to me, etc. Etc. It sounded okay until after I had given them the information to debit this from my checking account. I was in the middle of the taped confirmation and I heard the voice say for every $100.00 you deposit... Then I knew the card was not unsecured so I told them NO, I do not want this card and I hung up. I didn't have the money in my account at that time so I had told them to debit my account on 5/29/02. I didn't put any money in the bank until 5/30/02, which was a Saturday, so I knew it wouldn't post until late Monday. The debit went through anyway on the 29th so I was really overdrawn after they took $219.00 out of my account. I asked my bank why they would let a debit be taken out when there were insufficiant funds, they told me it was a common practice. I have tried, unsucessfully, to talk to someone in this company. All I ever get is a recording, telling me that all representatives are currently busy and to leave a brief message or a recording telling me the mailbox of First Capitol consumer's Group is full. I would appreciate your help in retrieving my losses and I will help you in anyway I can to do this. I will even file charges against this company for fraud, theft and any other charges I can file. Thank you. LindaleeMuncie, Indiana
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