Complaint / Review
First Capital Consumers Group
Ripoff dishonest fraudulent billing unauthorized transaction overdraft charges ripoff con-artists took us for all we had

I was called by this credit card company that told me that I could reduce the rates on my other credit cards by accepting this offer that they had. They would lower my payments from the 23.99%, and 16.99%, and 14.99% that I was paying on my credit cards to 9.99%. All that I had to do was to transfer the balances from my old credit cards to the new credit cards with the lower rates that they were offering me. Than, after 7 months, it would go down to 4 1/2%. They were going to give me two credit cards. One in the amount of $2,500.00 and the other in the amount of $2,000.00. One would be a Visa and one would be a Master Card. This was going to cost me only $219.00 for both cards. I thought this was a great opportunity to get my other credit cards down to a decent finance charge of ultimately, 4 1/2%. So, I gave them my bank account number and they told me that they would be taking the money out on June 12. But, if I was not ready for them to take the money out, than I should call them back and tell them, and they would give me a two week extension. On June 12th, I called them back, and only received a voice mail to leave a message. I left a message with my PIN number 2828 that they gave me for them not to take the money out until June 26. I continued to try and call them, but only to get the voice mail message. Than, on June 17th, a fee of $199.00 was taken out of my account, unauthorized, because I told them to take it out on the 26th of June. That fee was just for one card. So I called them back and told them to take out (via the recording) for the two cards, which was $219.00 on the 26th of June. I called them sporatically, throughout the week. But, all to no avail. I kept on and keep on getting a voice mail message saying that I need to call back at another time, or leave a brief message, because charges are being incurred. Than I found out that this company is located in Ontario, Canada. I live in the U.S.A. So, the phone calls that I was making were to the Province of Ontario and they were not state to state calls anymore, they were international calls. While doing this, my husband decided to look up on the internet the company name, and somehow was directed to this site, usacomplaints.com. Than he started to read through the report. So, now I am trying to correct a bad situation that I got into by believing a lie.in the meantime, I called the company back, and told them that I knew that they were a fraudulent company, (via the recording) based on information that I obtained about them. I have not heard from them as of yet. AngelaDenver, Pennsylvania